Feb 1 - Mar 1, 2013 Volume 16 Issue 02
Tofino II in SkyView Ranch inside this issue
CHOOSING THE RIGHT LIGHTING FOR YOUR HOME
001-NHCAL CVR_02-01-2013.indd 1
ALBERTA TOPS ECONOMIC GROWTH LEADERBOARD
HOW TO FIND THE RIGHT BUILDER
1/25/13 2:43:37 PM
w t l e d ne xt to the b o
COCHRANE BOW RIVER RIVER HEIGHTS DR.
JAMES WALKER TRAIL
002-Tamani-Riversong 02-01-13.indd 2
1/25/13 11:16:34 AM
One of Calgary’s Fastest Growing Communities!
Availab le in Shane
Hom es a
SkyView R anch!
nd C re
ations by Shane e! uple t mor x Hom es! Visit today to find ou
Smarter SAVE Larger
500 on our
monthly mortgage payments. Our payment would have been
are only paying
1,448/month, but now we
PER MONTH ON YOUR MORTGAGE PAYMENTS FOR 24 MONTHS!
Plus we are receiving a special interest
never thought we’d own a home but o ur
Special Interest Rate of 2.95%
Single Family Duplex Homes from the $
• stainless steel appliances: fridge, stove, microwave and dishwasher plus a white washer and dryer • free blind package • granite countertops • tile ﬂooring • ensuites with walk-in closets • full width verandas • energy eﬃcient speciﬁcations throughout • we will pay legal fees and closing costs
128 Ave NE
tT oo erf
Showhome Address: 140 Skyview Shores Manor NE, Calgary Call Deb at (403)-536-2317
Single Family Homes with an Attached Garage from the low
Showhome Address: 14 Skyview Point Road NE, Calgary Call Belal at (403)-536-2313
Skyview Ranch Way
Skyview Ranch Rd Skyview Ranch St
Single Family Laned Homes from the low
Showhome Address: 54 Skyview Point Link NE, Calgary Call Satwinder at (403)-536-2312
Homebuyers Plan will save us
Skyview Point Rd NE
Country Hills Blvd.
Showhome Hours: Mon - Thurs: 2-8 pm Sat, Sun & Hol: 12-5 pm
*Conditions apply. This conditional offer applies to qualifying home purchasers only. It may be amended, withdrawn or extended without notice. Cannot be combined with any other offer. Based on 5% down, 3 year fixed rate at 2.95%. Available with Shane Homes preferred lender only. See Area Manager for complete details. Starting from price includes house, lot and GST. Subject to change without notice.
Feb 1 - mar 1, 2013 | New home Guide 03
Cardel designsâ€™ designside team (left to right) Jenelle erickson, Kendra Williamson, marie-Claire Williams, Clare gardner
Turning bright ideas into brilliant
When it’s time to update your space, Cardel
spaces with Cardel Designs.
everything from quote to completion, including
Designs’ renovation division can take care of all permits and approvals, so you can relax and
When it comes to designing your home, getting
watch your home become a haven. Removing all
the perfect balance of form, function and eye
the do-it-yourself headaches of going it alone,
appeal can be a tall order. After all, there’s a lot
Cardel Designs simplifies the renovation process
to consider, especially when kids and pets are
as they educate and guide clients through a world
in the mix. From selecting colour palettes to
of possibilities, from big-picture planning down
to the details.
right professionals in your corner makes all the difference.
Whether you’re starting from the ground up or transforming your existing home, it’s nice to
That’s where Cardel Designs comes in. As a
know you’ll be getting a showhome-style finished
division of Cardel Homes, which has been
product, regardless of the project size.
building since 1973, Cardel Designs offers a full suite of design services from new homes to
Everyone is welcome to visit the Cardel Design
renovations. Based out of their hugely impressive
Centre – no appointment necessary. They’re happy
design centre in Quarry Park, Cardel Designs
to provide a friendly, no-obligation orientation.
immerses clients in a larger-than-life blend
You can also arrange an appointment for a more
of boutique shopping and interior design. Their
in-depth exploration of how Cardel Designs can
one-stop design shop features the latest products
turn your house into a perfectly appointed home.
from a wide range of trusted brands, backed by the guiding expertise of a top-shelf design team. From accents and accessories to flooring and
For a closer look at Cardel Designs, watch
fixtures – even furniture from Cardel’s award-
Cardel DesignSide on CTV MORNING LIVE,
winning model homes – it’s all under one roof
airing weekly on Thursdays at 8:28 am.
at the Cardel Design Centre.
Hosted by Pearl Tsang and the Cardel Designs team, this special series explores the latest design trends, tips and products.
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 05
The Pinnacle of
LUXURY A Brand New Magazine Dedicated to High-End Properties in Calgary and Area The only magazine of its kind in Calgary, Luxury Living showcases high-end homes, condos and apartments. This is your exclusive opportunity to establish your property as the pinnacle of affluent living. Pick up your FREE copy.
Y R U X U L october
lgary an ing in Ca
Lu Xu rio ide to Yo ur gu
tY uS LiF eS
Es: Ensuiot f life’s
One uries lux te a gre st ing lebrat rdy: Ce n Paul Ha sig s of de 10 year
g tHe Creatin ge e gara ultimat
on your list? WHat’s isH Home W estate
Brought to you by the publishers of
TO BOOK YOUR ADVERTISING SPACE CONTACT: PM
contents FEB 1 - MAR 1, 2013
VOLUME 16 ISSUE 02
cover story Shane Homes PRESENTS THE WOW FACTOR WITH TOFINO II IN SKYVIEW RANCH: PAGE 12
features & editorials IN EVERY ISSUE
IN THE NEWS
THE HOMEBUYING PROCESS
Choosing the right lighting for your new home by Donna Moore
Does your new home crave a landscape? by Brad Jackman
by Wayne Karl
Do you know how you rate? by Jason Eldridge
Shane Homes presents the wow factor with Tofino II in SkyView Ranch
CHOOSING A BUILDER
How to choose the right builder by Heather Ryan
HOMEBUYERS’ RESOURCE SECTION
Mortgage calculator and rate table
Canadians struggle to balance various needs with retirement planning: RBC Poll
Cardel’s home-building expertise makes renovation dreams a reality by Heather Ryan
by Heather Ryan
It’s never too early to begin your tax planning
Alberta remains near top of growth leaderboard
How to make moving easier on your kids SHOWHOME REVIEW
Excitement abounds with Shane Homes’ opening of Orion in Cranston by Heather Ryan
vice-president, wall2wall media
director of sales, western canada
editor-in-chief, real estate
Susan Legge art director
Julie Yoo editor
Wayne Karl contributing editors
Janine Druery Elisa Krovblit Silvana Longo Lydia McNutt (on leave) Sara Duck (on leave) CONSULTANT
403.200.8462 Follow us on twitter at Twitter.com/NewHomeGuideMel Like us on facebook; facebook/CalgaryNHG
Greg Van Sluytman Graphic designer
Alexander Yakubovich Manager of production
Bala Gnanapandithan national account manager, mediative
For Advertising inquiries please contact:
For National Advertising inquiries call:
district maps 15
HIGH RIVER TURNER VALLEY BLACK DIAMOND
33 Okotoks 39
CHESTE RMERE LANGDON STRATHMORE
Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.
Calgaryâ€™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 2013 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 Âmisprints. 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@wall2wallmedia.com.
What rules your new-home choice? Lifestyle increasingly inﬂuential for buyers
ew-home buyers are often driven by different influences, but there’s no doubt lifestyle is an increasingly important factor. Whether you’re considering a home near the beach, a golf course or a city penthouse or pied-à-terre, you’re likely looking to compensate for what you don’t have in your current residence. The amount of living space is usually the issue – either too much or too little. Most young families are looking for more living space, which is why builders are designing homes with interiors that maximize every square foot of living space to make the most of your money. As we get older, the quest for living space may take a different direction. Downsizing is usually the answer, although many homeowners with existing homes in suburban or rural areas are acquiring townhomes or pied-à-terres in the city. An urban location gives owners and their friends a chance to enjoy the social and cultural activities of the city without having to drive for hours to get home. In today’s hectic world, your new home will be your retreat, so it’s important to find is to find a home that suits your needs and lifestyle. In this issue, we profile new communities which offer the perfect place to put up your feet, plus the latest industry news and features about buying and owning a new home. Enjoy!
Susan Legge EDITOR-IN-CHIEF Wall2Wall Media, Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge
Tax time – embrace it
Preparing for this unsavoury topic earlier helps reduce the sting at deadline time
e’re into February already – a period we often associate with blahs, but also a month worth celebrating, given that it’s the shortest of the year, and March and spring soon follow. And while the deadline for 2012 Registered Retirement Savings Plan contributions isn’t until March 1, and April 30 for filing your 2012 income tax return, perhaps we need to start thinking of February in a different light altogether. Indeed, our February issue includes Tax Matters content; the idea was to explore this topic in advance of filing deadlines, to help readers learn about opportunities to take advantage of while they still can. But, heeding the advice of experts, perhaps “tax time” should instead be a year-round task. From making regular RRSP contributions to comparing RRSPs and tax-free savings accounts to learning of the various credits available, tax planning for some is as necessary as the inevitable taxes themselves. Preparing as best you can throughout the year might help minimize the sting come deadline time – and help you learn to embrace the opportunities to save, not just fear what you have to pay.
Wayne Karl EDITOR Wall2Wall Media, email@example.com Follow me on Twitter at Twitter.com/WayneKarl
10 NEW HOME GUIDE | FEB 1 - MAR 1, 2013
NEW SHOWHOME PARADE! Experience northwest Calgary’s finest community taking shape! Visit Nolan Hill’s 12 showhomes via Sarcee Trail at Beacon Hills Shopping Centre.
144 AVENUE NW
BEACON HILL SHOPPING
LL S COUNT R Y HI
BE DD I
TR ON GT
SYMONS VA L
SAGE HILL R PI T AP AN AG SH
Homes by Avi Market Street Homes Morrison Homes Shane Homes Sterling Homes Trico Homes
Drake Landing • Forest Crowne • Nolan Hill • The Ranch • Sage Hill • Silverado
from the $320s
fRONt AttAcHED gARAgE HOMES
from the $400s to the $700s
Shane Homes presents the wow factor with the
Tofino II in SkyView Ranch by Heather Ryan
houghtful, intimate spaces with features that boost the wow factor combine to make the Tofino II one of Shane Homes’ most popular models in SkyView Ranch. The Tofino II comes standard at 2,150 sq. ft., but the showhome presents 2,312 sq. ft. and is one of two showhomes by Shane Homes on parade in this north Calgary community. “This showhome has been very well received; people really love the openness, yet every room has a private feel,” says area manager Deb Gearey. “Of the two showhomes, this one really stands out; it has an estate feel and that wow factor and people love the fact that it has numerous
12 New home Guide | Feb 1 - mar 1, 2013
optional layouts so they can get a design they want and can easily exceed 2,400 sq. ft. if desired.” The entry makes a dynamic first impression from the two-storey ceiling open to above to, the more than 40 ft. of maple and wrought iron rail. In the entry, you’re also greeted by a rustic-looking smoky-grey laminate floor that runs throughout the main floor and grey and white paint tones that add warmth to the home. The spaciousness allows room for a convenient bench or a hall table. Off the entry is a convenient half-bath, and there is a good-sized mud room off the garage entry with a built-in bench and an oversized walk-in closet where you can store the kids’ backpacks or sporting goods out of the way.
Across from the kitchen, the great room has a stunning wall-centred fireplace surrounded in grey stone and featuring a built-in entertainment centre with space for a TV above a deep mantle and built-in shelves along one side.
It also has lots of space to get the kids ready, organized and out the door. Just to the left of the entry, double sliding glass doors open to a front lifestyle room, which has been decorated as an intimate formal dining room with a boxed out niche for a hutch. “What’s great about the plan is that the lifestyle room can easily be converted into a den or there is an option to make it into a walk-through pantry and IT centre,” Gearey says. “There is also the option to make this home into four bedrooms, which is really popular with buyers in SkyView Ranch and the lifestyle room could be made into a fifth bedroom if needed.” At the rear of the home, you’ll be impressed by the delectable kitchen that serves up an expansive flat-surface island with breakfast bar seating and black granite countertops. Dark cabinets and black appliances are a nice contrast to the light-toned fullheight tile backsplash with decorative silver and grey mosaic inlay. A frosted glass door in the corner opens to the walk-in pantry. Across from the kitchen, the great room has a stunning wall-centred fireplace surrounded in grey stone and featuring a built-in entertainment centre with space for a TV above a deep mantle and builtin shelves along one side. Beside the kitchen, a large bumped out nook has both a large window and glass doors to the deck creating a bright space at mealtime. Heading upstairs, the large centrally located bonus/family room features a built-in niche for a big screen TV. “People love the vaulted ceiling and the fact that it separates the owners’ suite from the secondary bedrooms,” Gearey says. The owners’ suite impresses with its great space, huge walk-in closet and an inviting ensuite with granite-topped vanity that includes dual sinks and make-up counter, a corner soaker tub and an oversized walk-in shower. A good-sized laundry room, two generous bedrooms each with walk-in closets, a main full bathroom and a handy built-in computer station complete the second floor. Shane Homes also has the 1,926 sq. ft. Fiesta II showhome on parade in SkyView Ranch. For more information, visit the showhomes, open Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m. Call Deb Gearey or Bobby Lajeunesse at 403.536.2317, or visit shanehomes.com Feb 1 - mar 1, 2013 | New home Guide 13
MOVIN’ ON UP in SKYVIEW RANCH. Stay warm this winter by MOVIN’ ON UP to an established community where everything you and your family need is so close to home. With everything so close you can keep movin’ on up to enjoy winter’s little pleasures like skating, tobogganing and parks perfect for snowmen. SkyView is the perfect place for year round active living. SKYVIEW RANCH. Experience THE NEW NORTH.
TR AI L T OO
DE ER F
GAN NAP I
CALGARY INTERNATIONAL AIRPORT NOSE HILL PARK
COUNTRY HILLS BLVD.
COUNTRY HILLS BLVD.
4 52 STREET
MONS VALLEY ROAD
NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.
SHOWHOMES: Saddlelake Place NE DEVELOPER: Genesis Land Development Corp. BUILDERS: Genesis Builders Group www.genesisbuildersgroup.com
DEVELOPER: MLC Land Company BUILDERS: Elite Homes, Pacesetter Homes, Trico Homes
03 SKYVIEW RANCH
SHOWHOMES: Skyview ranch Way NE & Skyview Springs Gdn NE 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
DEVELOPER: Qualico Communities BUILDERS: Broadview Homes, NuVista Homes, Pacesetter Homes, Innovations by Jayman, Trico Homes
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 15
� Y. �
Y. � A
HORSE CREEK RD.
CALGARY MITFORD PARK
›› COCHRANECOMMUNITIES RA
L DR . NHIL
SHOWHOMES: Heritage Green DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Trico Homes,
02 JUMPING POUND RIDGE
SHOWHOMES: Jumping Pound Terrace www.jumpingpoundridge.com BUILDERS: WestView Builders, Baywest Homes, Kingsmith Homes
01 HERITAGE HILLS
NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.
RIVER HEIGHTS DR.
SHOWHOMES: Monterra Link DEVELOPER: Medallion Development Corp. BUILDERS: Prominent, Modena, Cornerstone, Brooklyn, Astoria Custom Homes
06 WESTPOINTE ESTATES
SHOWHOMES: West Pointe Manor DEVELOPER: MGM Developments. BUILDERS: Mapleland Homes, Kingsmith Homes
SHOWHOMES: River Heights Blvd., River Heights Cres. DEVELOPER: Tamani BUILDERS: Phase 3: Innovations by Jayman, Sabal Homes Phase 4: Jager Homes, Jayman MasterBUILT, NuVista Homes
05 MONTERRA ON COCHRANE LAKE
03 SUNSET RIDGE
SHOWHOMES: Ridge View Green Sunset Way DEVELOPER: Melcor BUILDERS: Jayman MasterBUILT, Innovations by Jayman, Janssen, Calbridge, Excel Homes coming soon
R RS T
ILW AY ST. W.
1A BAIRD AVE.
r. kD tric npa Gle
ST .W .
COCHRANE 1S T.
I EV GL EA
BOW RIDGE DR.
GEORGE FOX TRAIL
BIG HILL RD.
CE RA ER .T W
NUS CMA W. M QU IGL EY DR .
. TS DR GH HE ES GL IEW EV EA GL EN AY EA W GL EW
QUIG E RD.
. T RD REA
CD W. M
LOCATION: Cochrane DEVELOPER: La Vita Land BUILDERS: Calbridge, Janssen, Kingsmith, Landmark, Reidbuilt www.firesidecochrane.com
SHOWHOMES: Horse Creek Road DEVELOPER: Apex Developments BUILDERS: Excel Homes
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 17
RANGE RD 40
HORSE CREEK RD.
Choosing the right lighting for your new home by Donna Moore
Choosing the right lighting is important
to the comfort and appeal of your new home – both inside and out. When you purchase a new home, it typically comes with a standard lighting package and there are often options for upgrades. Some home builders will also provide you with a set allowance to spend, allowing you to make the final decisions about your lighting fixtures and features. When it comes to making those choices, homebuyers will have plenty of assistance from the builder, the salesperson or an interior decorator at the company’s decor centre. Or you may be referred directly to the home builder’s chosen supplier, who will typically have a showroom and lighting experts available to help you make your selections. However the lighting is handled, before making your choices, you should do a little homework. Browse the Internet, look through magazines, visit a few stores to get general information and ideas, visit some showhomes or ask your builder or the lighting centre if they have any literature or product catalogues available. It’s a good idea to make sure you understand exactly what your builder is offering in a standard package, so that you know what is already included in the price of the home. Keep in mind that there may be an additional installation cost for some of your selections. If you decide to upgrade your lighting, it’s best to set an overall budget. Tell your builder or expert how much you want to spend, and what areas of the house are most important to you, and they will be able to help you allocate your budget. Also, verify with the builder that your choices can be accommodated within the plans and schedule. If it’s possible, bring samples of the interior finishing, such as paint colour, carpeting, counters and cabinets, when you’re making your lighting choices, because dif18 New home Guide | Feb 1 - mar 1, 2013
Donna Moore is Executive Officer, Calgary Region Home Builders’ Association 403.235.1911 | crhba.com
ferent colours and textures absorb or reflect light differently. Go through the home room by room to determine the activities and tasks that will take place in each so you can decide on any special features you want highlighted or the mood you want to create with your lighting. One feature you may not have thought about is lighting controls. Dimmers, two-, three- or four-way switches, hand-held controls, motion sensors and timers all give you greater convenience and are more versatile than plain light switches. You can ask your builder or a lighting expert for recommendations. It’s also advantageous to give some thought to little extra touches such as door-activated closet lighting, builtin night lights in hallways or kid’s bedrooms, lighting on stairs, under-cabinet lighting in the kitchen and spotlights for bookcases and shelves. Lighting can also make a big difference to the exterior appearance of your home. It can enhance the appeal of the entrance at night, highlight architectural design features, display your landscaping to full advantage and light up your walkways. Moving into a new home, you likely don’t have a detailed landscaping plan, but it is a good idea to plan ahead for your outdoor wiring and lighting needs and have it addressed before your home is built. You may also want to think about automated lighting. Options range from small, self-contained systems that allow you to pre-set lighting patterns for portions of your home’s interior and automatic systems for the exterior lighting, to complete whole-house automation systems with a multitude of applications. When making your lighting selections, you can also consider improved energy efficiency through the use of LED lights, timers and sensors with automatic turn-off. Effective lighting will add to your satisfaction and enjoyment once you move into your new home. With today’s choices in lighting and control options you have a great opportunity to plan it just right for comfort, convenience and spectacular effect.
›› CALGARYREGIONSOUTH 1A
CHESTERMERE 797 LANGDON
BLACK DIAMOND OKOTOKS
SHOWHOMES: 1901-1903 Riverside Dr. NW DEVELOPER: WestView Builders BUILDER: WestView Builders
SHOWHOMES: 725 and 821 3rd Street SW DEVELOPER: Riverwood Estates Inc. BUILDERS: Lifestyle Homes, Sheep River Homes, Woodmaster Homes
BUILDERS: WestView Builders
BUILDERS: Compass Rose Homes, Sheep River Homes
SHOWHOMES: Montgomery Way SE DEVELOPER: Dundee Developments BUILDER: Lifestyle Homes, Red Door Homes
HERITAGE POINTE THE RANCH AT HERITAGE POINTE
PRIDDIS HAWKS LANDING
DEVELOPER: Hopewell Residential Communities BUILDERS: Prominent Homes, Baywood Estate Homes, Trickle Creek Custom Homes, Wolf Custom Thompson Map Homes, Page Banner | Ad Sizes: 6.75" x 1.5" Luxury Homes, Bradmar Homes, Baywest Homes www.hawkslanding.ca
DEVELOPER: Upper Lakes Group Inc. BUILDERS: Astoria Custom Homes
Live life, a little simpler... Bungalows starting at $370's
Please call 403.245.3515
CHEQUE FOR YOU
When you purchase a Single Family, Detached Bungalow Villa, Estate Walkout, Estate Bungalow Home or Terrace Lot before June 30, 2013*. Cheque payable upon occupancy. * Some conditions apply, please check our website for more details.
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 19
LIQUOR DEPOT PRESENTS
Delight in ﬁne wines from the world’s most celebrated regions
STAMPEDE PARK BIG FOUR FRIDAY Evening Session 7 - 10 pm SATURDAY Afternoon Session 2 - 5 pm SATURDAY Evening Session 7 - 10 pm
Feb. 22 - 23, 2013
PURCHASE YOUR WINEFEST tickets online – limited quantities available & tickets are selling quickly! ALL-INCLUSIVE TICKET INCLUDES WINE, HORS D’OEUVRES & A RIEDEL TASTING GLASS Please enjoy your beverage responsibly. Minors are not permitted.
For tickets and more information, visit CelebrateWinefest.com
GOOD THINGS COME TO THOSE WHO DON’T WAIT
You’ve waited long enough for an estate community like Watermark at Bearspaw, whose virtues are unmistakable. Spacious, oversized lots. Luxurious, beautifully designed homes. Build your new luxury home starting from $1 million, or select from the quick possession homes available now. Why wait to make your move? Make your move today, visit MoveInNowAtWatermark.com to learn more.
20 New home Guide | Feb 1 - mar 1, 2013
NEY TRAIL TO
HILLS BLVD. BE
TR SH AG ANNAPI
DT RA IL
NOSE HILL PARK
BL VD .
10 Hanson Ranch
04 SAGE HILL
SHOWHOMES: Sage Hill Point NW, Sage Valley Park NW, Sage Hill 11 Milano Green NW Showhomes: 99 Panatella Hill NW BUILDERS: Shane Homes, Landmark Builders: Trico Homes Homes, Excel Homess, Trico Homes, Morrison Homes, Discovery Homes, Baywest Homes, Creations by Shane Homes, Homes by Avi
02 ROYAL OAK Showhomes: Hidden Creek Blvd. NW DEVELOPER:Developer: Birchwood Properties 05 NOLAN HILL:Showhomes now open Cedarglen Homes | Cardel Homes esis Land Development Corp. |
5 Kinkora Glen Rd. NW
BUILDERS: Birchwood Properties x Developments Builders: Genstar on Homes | Majestic Homes | 03 EVANSTON Homes | Centrex Homes
SHOWHOMES: Evanspark Circle NW DEVELOPER: Qualico BUILDERS: Broadview, NuVista, Trico Homes, Pacesetter Homes, Sterling Homes, Jayman MasterBUILT
SHOWHOMES: 150 Kincora Glen Rd. DEVELOPER: Melcor BUILDER: Excel Homess SHOWHOMES: 8 Evansview Manor DEVELOPER: Genstar BUILDERS: Cardel Homes, Acuri Homes
SHOWHOMES: Sage Meadows Circle NW DEVELOPER: Genesis Land Development Corp. BUILDERS: Genesis Builders Group, Passion Homes, Reid Built Homes, Today’s Homes WWW.GENESISBUILDERSGROUP.COM
11 VALLEY POINTE ESTATES
DEVELOPER: Melcor BUILDERS: Shane Homes, Reid Built Homes, Landmark Homes, Homes by Avi
12 BEARSPAW WILLOW CREEK
13 WATERMARK AT BEARSPAW
NOTE: Map is just a graphic representation of areas of developments. 17 AVENUE See ad of a particular project for more details.
SHOWHOMES: Panatella Blvd. NW, Panatella Square NW, 9 CityLife Panora Way NW Showhomes: 2003 20th Ave. DEVELOPER: Genstar Developer: Birchwood Properties BUILDERS: Homes by Avi, Cardel Builders: Landmark, Birchwood Properties Homes, Cedarglen, Excel Homess, Arcuri Homes
BUILDERS: Astoria Custom Homes, Hyatt Homes, Laratta Homes, Mckinley Masters Custom Homes
01 PANORAMA HILLS
SHOWHOMES: Tuscany Estate Rise NW DEVELOPER: Brookfield Residential BUILDERS: Landmark Homes, Albi Homes www.tuscany-community.com
10 SAGE MEADOWS 64 AV
Y TRAI L
AVE NU E
NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.
07 TUSCANY HILLSIDE ESTATES
SA RC EE
Y NTR COU
12 COULEE MILE ROAD
ROCKY RIDGE ROAD
scany Estates Rise NW ma ark Homes | Albi Homes
COUNTRY HILL S BLVD.
15 LV R ID16 GE D
gulf Cidex Homes/Intergulf Cidex
erwood Crescent NW
AN AG SH
esis Development Corp. ic Homes
144 AVE. NW
28 Sherwood Blvd.
DEVELOPER: United Communities BUILDERS: Homes by Avi, Morrison Homes, Shane Homes, Sterling Homes, Today’s Homes, Trico Homes www.nolanhillunited.com
06 BEACON HEIGHTS
DEVELOPER: Macdonald Development Corporation BUILDERS: Astoria Homes; Albi Homes, Trickle Creek Homes, Homes by Us, Wolf Custom Homes WWW.WATERMARKATBEARSPAW.COM
DEVELOPER: Dundee Developments BUILDERS: Homes by Avi, Genesis Builders Group, Landmark Homes, Morrison Homes, Innovations by Jayman, Westview Builders, Stepper Custom Homes, Calbridge Homes, Excel Homes coming soon
15 ROCK LAKE ESTATES
DEVELOPER: Decker Management BUILDERS: Ashton Custom Homes, Crystal Creek Homes, Lupi Luxury Homes
16 ROCKFORD ESTATES - TRAIL’S END BUILDER: Jager Homes
SHOWHOMES: Sherwood Crescent NW DEVELOPER: Intergulf Cidex BUILDER: Trico Homes, Intergulf Cidex
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 21
First time home buyer? Yay! Youâ€™re ready to buy your first home. You want a... Fixer upper.
Brand new home decorated to your tastes.
You love drywalling and painting.
Your new home search
Your new home search
Never ends. Looks like more work than you can handle.
Leaves you frustrated.
Starts by searching local papers
You decide you want a...
You discover Qualico Communities.
But how do you decide which neighbourhood is for you? Would you rather spend your Saturday
At a neighourhood block party.
Evanston, the neighbourly neighbourhood is for you.
22 NEW HOME GUIDE | FEB 1 - MAR 1, 2013
Shopping at Cross Iron Mills.
Ravenswood sounds like the place for you.
Check our newest community Redstone and discover the spice of life.
RedstoneCommunity.ca Redstone. The Spice of Life. Redstone offers a wide variety of homes designed for all types of families and every stage of life. And the welcoming green spaces feature outdoor exercise stations that fit right in to a healthy and active lifestyle. Together they all create a N.E. community that’s full of possibilities, and full of life.
ravenswoodairdrie.ca Ravenswood. Airdrie’s fashionable district. When it comes to looking for a family friendly community in Airdrie, you have a few options. But when it comes to a stylish one that’s family centric, there’s really only one choice. Ravenswood.
evanstoncommunity.com Evanston. The Neighbourly Neighbourhood. Hello, neighbour. We’re glad you made it to Evanston, a community designed for open spaces, open doors and open hearts. More greenspace and fewer fences create places for neighbours to get together and get to know each other.
Crestmont • evanston • silverado • the hill • ravenswood redstone • Coming soon – Painted sky • double Creek qualicocommunities.com
Please visit QualicoCommunities.com for more information on these or any other of our communities. FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 23
Alberta remains near top of growth leaderboard
Labour market trends, while still favourable, have ebbed from strong performances in recent years. “Private-sector job growth cooled to 3.5 per cent in 2012 from 6.5 per cent in the prior year, with manufacturing and trade gearing down,” says Kavcic. “Public-sector job growth jumped 3.6 per cent, which might not be sustainable given a mounting budget challenge.” “Businesses in the private sector continue to support Alberta’s economic growth by making important strategic investments and expanding into new markets,” says Mike Darling, district vice-president, commercial, southern Alberta, BMO Bank of Montreal. “Our BMO Confidence Report shows that Albertan entrepreneurs have a positive outlook, with 70 per cent saying 2013 will be a better year and the majority expecting their business will experience growth in the year ahead.” Alberta’s economy continues to sit near the Housing market activity is improving top of the Canadian growth leaderboard, according to the thanks to rising demand and a gradual Provincial Monitor report from BMO Economics. Growth drawdown of the excess supply put up of 2.7 per cent is expected for 2013. during the 2005-07 boom. “In Calgary, “The energy sector remains the critical driver of eco- the average home transaction price was nomic activity in the province, and crude bitumen produc- up 8.6 per cent year-over-year in Decemtion was up a solid 17 per cent ber as the market balance has year-over-year through October,” again tilted in favour of “Businesses in the says Robert Kavcic, senior econoprivate sector continue sellers,” says Kavcic. mist, BMO Capital Markets. The province of Alberta to support Alberta’s “However, there are some mountreported weaker-than-expecteconomic growth by ing risks in the sector. Cost presed financial results for the first making important sures could again pick up, though half of fiscal 2012-13. The strategic investments oil sands operations are generally deficit over the first six months and expanding into viewed as economical at prices of the fiscal year sat at $1.3 above $80. A large risk is lack of billion, larger than the $777 new markets.” progress on new pipeline capacmillion expected over that ity to carry Alberta crude to markets in Asia and/or the U.S. period in the fiscal 2012-13 budget, and In the meantime, surging U.S. Bakken production has also the province continues to point to a fullcontributed to a wider discount received by Canadian pro- year shortfall in the $2.3-billion to $3ducers relative to WTI.” billion range. 24 New home Guide | Feb 1 - mar 1, 2013
Does Your New Home
crave a landscape? by Brad Jackman
In the middle of winter, Landscaping
might be the furthest thing from your mind. Landscape 360 would like to highlight a few ideas homeowners can contemplate over our long winter. Hiring a landscape contractor should be exciting and satisfying. However this can be a very discouraging time for some home owners, unsure of where to begin, what you want it to look like and who to talk too. Here are a few tips to guide you through a satisfying landscape construction experience. Have a plan. You can never call a company too early to plan for the following seasonâ€™s project. Many Landscape companies are limited in the number of jobs they can do in a season. Having a plan and beginning the process early can allow for your project to be started in the spring or your ideal time frame.
It is important to understand that quality landscaping requires substantial investments of time and money. Thus having a budget and planning around that budget will be crucial. It is also not unusual for work to be split up over consecutive summers, easing some of the financial burden while creating your backyard paradise. Depending on what is required for labour, equipment and materials, it may be more or less of an investment one season to the next. One should also consider what kind of space is desired. Must it be safe for children? How much entertaining do you do? Are you a gardening green thumb? Or would you prefer no maintenance at all? These are the types of important questions you should have answered in order to create a landscape concept that works for you. Landscape 360. Professional Landscape Construction.
26 New home Guide | Feb 1 - mar 1, 2013
Hiring a professional landscaper is the most im- This will allow the homeowner to visualize their yard portant step. Many homeowners underestimate the before construction begins. work associated with landscaping, or the knowledge When deciding which landscape company to required to produce a quality outdoor living space. hire, itâ€™s beneficial to do your research. Ask to see Weekend warriors may be in for a surprise! It is im- their portfolio, view their website and look into some portant to hire someone who has extensive experience of the products yourself. Most importantly, ask lots in the industry, and is a full service landscape of questions. Landscape construction can be done company. Many landscape companies do not address very differently. Hire a company which uses quality all aspects of landscaping. Find a landscape company equipment, utilize the best products available and that will complete the task from start to finish and have it installed professionally. Landscape 360 is a handle any subcontracting required. Remember that full-service landscape construction company. there are many different approaches to outdoor proj- Our philosophy is based upon professionalism, ects. The final result will fall between what you can quality, trust and respect. A locally owned and opplan and budget for and what your landscaper is erated Calgary based company, Landscape 360 capable of creating. Once a professional is selected specializes in residential, estate and acreage landa conceptual landscape design can be established. scape construction. 403.452.0360 | landscape360.ca |
like us on facebook Feb 1 - mar 1, 2013 | New home Guide 27
YANKEE VALLEY BLVD. 8TH ST. SW
N COUNTRY HILLS BLVD. NE
›› AIRDRIECOMMUNITIES 01 BAYSIDE ESTATES
SHOWHOMES: Bayside Circle SW, Baywater Crescent DEVELOPER: Genesis Land Development Corp. BUILDER: Genesis Builders Group, McKee Homes, Coco Homes, Sovereign Homes www.genesisland.com
SHOWHOMES: Windsong Dr. DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes
SHOWHOMES: Reunion Street NW. & Reunion Grove NW DEVELOPER: Hopewell Residential Communities BUILDERS: Excel Homes, Sabal Homes, McKee Homes
04 KING’S HEIGHTS
1 YANKEE VALLEY BLVD
YANKEE VALLEY BLVD
SHOWHOMES: Kings Height Blvd. DEVELOPER: Melcor BUILDER: Jayman MasterBUILT, Loreck Homes, McKee Homes, Reid Built, Shane Homes
SHOWHOMES: Ravenswood Drive DEVELOPER: Qualico BUILDERS: NuVista, McKee Homes, Pacesetter, Broadview
06 COOPERS CROSSING
SHOWHOMES: Cooper’s Drive, Cooperstown Court DEVELOPER: Westmark Holdings BUILDERS: McKee Homes, Trico Homes, Artigiano Developments, Canterra Custom Homes
SHOWHOMES: Williamstown Green DEVELOPER: Vesta BUILDERS: Douglas Homes, Talisman Homes, Vesta
Developer: Apex Limited Partnership Builders: Excel Homes, Shane Homes, Trico Homes
09 PRAIRIE SPRINGS
Builders: Prominent Homes, McKee Homes
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 29
The excitement of the city... and the tranquility of the suburbs.
Home, Lot and GST from
Beyond Expectations. Enjoy the parks, pathways and canals - the shore lapping at the bank of your backyard. Find your family’s perfect escape right now. Quality side by side, single family and 8 Street SW Yankee Valley Blvd West SW Airdrie
SIDE BY SIDE SINGLE FAMILY HOMES
Home ownership with the luxury of waterside living.
estate style homes are ready for possession.
SINGLE FAMILY HOMES
Anni Jansson 403.980.3105 genesisbuildersgroup.com
Kevin D’Costa 403.980.1140 sovereignhomes.ca
Greig Forsyth 403.980.3720 cocohomes.com
Anni Jansson 403.980.3105 genesisbuildersgroup.com
Kellee Davis 403.975.0816 mckeehomes.com
PRIVATE DOCK LOTS AVAILABLE
Youâ€™re gonna love our maritime themed architecture
PHASE 9 | Front Attached Home, Lot and GST from
Bayside Show Home. The Charlesmark. Please inquire for pricing.
VISIT OUR BAYSIDE PHASE 9 SHOW HOME
2433 BAYSIDE CIRCLE SW
Call Anni Jansson or Jenn Jellema
Show Home Hours: Mon - Thurs: 2 pm - 8 pm Fri: By appointment Sat, Sun & Holidays: Noon - 5 pm
13-01-18 3:00 PM
YOUR WISH IS OUR COMMAND Okay, Genie, here’s what homebuyers want… “I want a brand new home in an established neighbourhood with a full complement of schools, parks, shops and recreational amenities.” Alakazam! Welcome to Drake Landing, the final two phases are now selling, so you still have time (if you hurry!) to build a new home and become part of Okotoks’ newest “old” community as well known for its conservation commitments as its family-friendly amenities. visitdrakelanding.com for directions and tour a showhome today.
HOMES FROM THE $300s AND THE $500s LIFESTYLE HOMES | PROMINENT HOMES | SHANE HOMES | STERLING HOMES
DRAKE LANDING | FOREST CROWNE | NOLAN HILL THE RANCH | SAGE HILL | SILVERADO
›› OKOTOKSCOMMUNITIES NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.
338 AVE. E. OKOTOKS AIR RANCH
2A YSTAL S ISTER CR HORES GATE
NO RT HR
ID GE D
CRYSTAL RIDGE GOLF CLUB
3 32 ST. E.
370 AVE. E.
SHOWHOMES: Ranchers Crescent DEVELOPER: Bordeaux Developments BUILDERS: Baywest Homes, Sterling Homes, Wolverine Custom Homes
DEVELOPER: Tristar Communities BUILDERS: Excel Homes, Trico Homes, Cedarglen Homes, Coco Homes, Today’s Homes, California Homes, Assured Homes, Lask Homes
03 DRAKE LANDING
SHOWHOMES: Drake Landing Way, Drake Landing Crescent DEVELOPER: United Communities BUILDERS: Landmark Homes, Lifestyle Homes, Morrison Homes, Shane Homes, Sterling Homes, Creations by Shane Homes, Prominent Homes
32 ST. E.
01 OKOTOKS AIR RANCH & RANCHERS’ RISE
AR M CI CIMA
CIMARRON B LVD .
SHOWHOMES: Westland Street DEVELOPER: Prominence Development Corp. BUILDERS: Jager Homes, Reid Built Homes, Sterling Homes, WestView Builders
05 EAGLE CREST
SHOWHOMES: Directly behind Westmount DEVELOPER: Prominence Development Corp. BUILDERS: Carpenter Homes
07 CRYSTAL RIDGE
SHOWHOMES: Crystal Green Dr. DEVELOPER: United Communities BUILDERS: Sterling Homes, Baywest, Crossley Homes
(NOW OPEN) AT SANDSTONE DR. & MOUNT BURNS GREEN Apex Limited Partnership BUILDERS: Excel Homes, Sterling Homes
06 THE HILL IN WESTRIDGE SHOWHOMES: Westridge Road DEVELOPER: Qualico BUILDERS: Sterling Homes
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 33
Canadians struggle to address children’s education, aging parents and own retirement needs: RBC poll
Canadians (aged 18 to 54) are concerned that their
ability to save for retirement will be impaired both by saving for their children’s education (48 per cent) and by taking care of their aging parents (36 per cent), according to the 23rd Annual RBC RRSP Poll. Despite the potential strain of these family priorities on their retirement savings, more than half (57 per cent) of Canadians aged 18 to 54 say their parents’ retirement experience has shaped their expectations of retirement. “While Canadians may see their parents’ retirement experience as a model for what to expect, the reality is that their retirement may not be the same, particularly if they are part of the sandwich generation with both aging parents and school age children,” says Amalia Costa, head, retirement strategies, RBC. “Canadians know that juggling competing financial priorities creates enormous strain on both time and money. A financial advisor can make it easier to develop a retirement plan to balance your financial commitments and family life.” Retirement will likely look different for the next generation of retirees, as employer-sponsored pension plans become more rare. The RBC poll found that one-quarter (26 per cent) of Canadians (aged 18 to 54) expect a pension income from an employer to be their primary source of income in retirement and, similarly, fewer than one-in-five (18 per cent) of them have a defined benefit pension plan. “The growing demands on time and money can make meeting retirement goals a challenge, but Canadians don’t have to do this on their own,” adds Costa. “Taking the time to meet with a financial advisor is one of the best investments you can make in your financial future. An advisor can help review your financial priorities; understand your income sources and your savings and investment options – all to help make your retirement goals a reality.” 34 New home Guide | Feb 1 - mar 1, 2013
Costa provides the following practical advice to help you live for today and save for tomorrow: » Show me the money: Look for hidden sources of contribution funds. If you have debt, take advantage of lower interest rates to reduce your overall borrowing costs and free up some of your monthly cash flow. For example, you can do this by consolidating higher interest credit card balances into a loan or home equity line with a lower interest rate. » Automate your savings habit: Get into the good savings habit of paying yourself first by setting up an automatic contribution plan to coincide with your payroll deposit. The funds will come off the top and are often not missed. » Start thinking about your retirement income plan: If you are within a few years of retirement, switch your focus to establishing your retirement income plan. Translate your vision for the lifestyle you want in your retirement into financial requirements and work with an advisor to learn about your new sources of retirement income and how these will fund your new lifestyle.
2A SANDSTONE DR.
how to choose
the right builder by heather ryan the better equipped you will be to make an inbuilders in the Calgary region, selecting the formed decision,” Moore says. “Ask questions of right company to build your new home can everyone – and check references.” be daunting. Some questions you may want to ask include: Your choice of builder will have a big impact what is the builder’s experience and how long on your entire buying experience, and it is key have they been in business; what is their afterto your satisfaction with your home. You’re going sales service like; what’s their reputation and to want a builder you can trust, one that has the what do other people say about them; are they a technical skills, a proven track record and a pro- full-time home builder; are they a member of an fessional business approach. industry association; and can you check referYou’ll also want a builder that you can connect with, that makes you feel Buyers can really get a feel for the comfortable that your home will be built right, that any upgrades or selecquality of a builder’s craftsmanship tions you’ve made will be done and by visiting showhomes. There are that in the end you’ll have a home you dozens of showhomes open across can enjoy for years to come. “The best advice we can give the city and in surrounding anyone looking for a new home is to communities that buyers can tour – do your homework, and that includes and while going through them, make picking a builder,” says Donna Moore, CEO of the Canadian Home Builders’ a point to ask the salesperson what is Association – Calgary Region. “This standard and what is upgraded. is likely the largest financial purchase you will make in a lifetime, so it is important to do your due diligence. ences from past clients? Asking these questions “There are many, many builders in our city of the builder and asking other homeowners who do take the job very seriously and are profes- about their experiences with the builder can go sional, with the best interests of the homeowner a long way to narrowing the choice. in mind,” she says. “Check that the builder has a warranty to protect you – and find out exactly what is covered Here are a few keys Moore and for how long,” Moore says. “All members of suggests to finding that builder: CHBA – Calgary Region are required to have Check all the information available on websites warranty coverage – and the Alberta government such as chba.ca, cmhc.ca, chbacalgary.com and has recently put forward legislation that will chbaalberta.ca that all have detailed information make new home warranty coverage mandatory on what to look for, questions to ask, how to in the province – a move we definitely support.” choose a builder and more. Before choosing a builder, you may also want “The more information you have beforehand, to do some pre-planning. Take the time to With so many top quality home
36 New home Guide | Feb 1 - mar 1, 2013
discuss with everyone in your household what they want in a new home and make a list of the priorities, then compare it to what each builder you’re considering will provide. Buyers can really get a feel for the quality of a builder’s craftsmanship by visiting showhomes. There are dozens of showhomes open across the city and in surrounding communities that buyers can tour – and while going through them make a point to ask the salesperson what is standard and what is upgraded. Standard specifications vary between builders. For example, some provide hardwood and tile floors, granite countertops, stainless steel appliances and fireplaces as standards, while with others these are upgrades. Some builders also offer a variety of optional layouts with each individual model so you can choose a layout that is best suited to your lifestyle. Some builders may allow customization, some don’t allow any changes, and some offer both optional layouts and customization. Know what your chosen builder can offer you. Look carefully at each home you visit and return to those you like and look again. Gather informational brochures and make notes on the homes, so you have something to compare and check later on. And don’t be afraid to ask questions of the salespeople – they are representatives of the builder, so you’ll get a good idea of how any future dealings will go by interacting with them. Some other questions you could ask include: does the builder have a design centre or do you need to visit individual suppliers to select your interior finishings; does the builder provide a back deck; can you build a rear, detached garage if the house doesn’t already come with a garage? Talk to the builder or his representative about your new home – your priorities, desires and the price range. Let them know which models appeal to you and ask for any other suggestions that may fit your needs. As you get ready to make the final decision, carefully look over all the information you have collected and compare builders to determine which offers the greatest overall value for your investment. Things to consider at this point include price, quality, warranty, after-sales service and personal comfort. In the end, you’ll want to choose a builder that you can trust and one that will give you the greatest sense of confidence. Feb 1 - mar 1, 2013 | New home Guide 37
ASK AN EXPERT: by HEATHER RYAN
Advice for buyers doing their home research online Q: What are some tips on researching a new home builder and home online? A: There are plenty of resources you can access online to make researching a new home easier. These range from finding a home builder to mortgage information that will help you even before you view showhomes, says Brenda Kasianiuk, social media, marketing and sales associate with Shane Homes. A good place to begin, she says, is to visit developer websites to learn about new communities and amenities such as schools, shopping malls, recreation centres and services. You can also access a list of builders within your prospective community, view models and learn about starting prices. “Once you’ve done that, it’s a good idea to visit the home builder’s websites to see how long they have been in business, what associations they are part of, what programs they offer and if they have an onsite design centre where you can make your interior and exterior selections,” Kasianiuk says. Viewing the builders showhome photo galleries and videos, as well as floorplans, layouts and elevations, is very helpful. Some tools also allow you to build and price your home online,
to help you get a sense for the community, model, options and lot that fit your lifestyle and budget. Also check to see what kind of after-sales service the builder offers. Are there service and maintenance programs to help you care for your home after you move in? What type of warranty and coverage program do they offer? When comparing builders, Kasianiuk says, look at what type of services are included with the purchase, such as legal and professional design assistance. Also, review the standard specifications, ask about the building timelines and if the home price will change prior to possession. “Some builders offer showhome selections sheets that list interior and exterior finishing selections,” Kasianiuk says. “This allows you to replicate the look of the showhome because you can see what was selected with respect to paint colours, flooring, countertops, cabinetry and other finishing touches. Once you do select a community, builder and model, this can greatly help with the design process and in getting the home you desire.”
ESTATE VIEW LOTS FOR SALE - ONLY 8 REMAINING BUILD YOUR DREAM HOME ON A RIDGE LOT WITH SPECTACULAR VIEWS BACKING ONTO OVER 100 ACRES OF NATURAL PARK
403.606.4745 www.couleewayestates.com • Walkout view lots • Spectacular Views • Estate Architectural Controls • 15 minutes to downtown
38 New home Guide | Feb 1 - mar 1, 2013
›› SOUTHWESTCOMMUNITIES COACH ROAD
SHOWHOMES: 80 Westpark Court SW DEVELOPER: Dundee Developments BUILDER: Homes by Avi, Lifestyle Homes, Greenboro Homes, Prominent Homes
05 SPRING VALLEY ESTATES
SHOWHOMES: 53 Crestridge View SW DEVELOPER: Qualico BUILDERS: Augusta Fine Homes, Jaymack Custom Homes
07 PASKAPOO IN COUGAR RIDGE
BLACK FOOT TRAIL
DEVELOPER: Apex Limited Partnership BUILDERS: Excel Homes and Shane Homes
08 COULEE WAY ESTATES
DEVELOPER: Coulee Way Developments BUILDER: Christal Homes www.couleewayestates.com
09 CASTLE KEEP
DEVELOPER: Dundee Developments BUILDERS: Homes by Avi, Morrison Homes, Shane Homes, Calbridge Homes, Greenboro Homes
10 ELMONT BAY BOTTOM TR
DEVELOPER: Qualico Communities SHOWHOMES: Showhomes Coming soon BUILDERS: Baywest Homes, Augusta Homes
MA SHERIFF KING STREET
S PRUCE MEADOWS HWAY
11 SEQUOIA IN SILVERADO
12 DRESSAGE IN SILVERADO
11 3 12
BUILDERS: Westview Builders, Winwood Homes Showhomes Coming Soon www.elmontbay.com
DEVELOPER: Qualico Communities SHOWHOMES: Silverado Plains Circle BUILDERS: Broadview Homes, NuVista Homes, Sterling Homes
FISH CREEK PARK FISH CREEK BLVD
SHOWHOMES: 16 Spring Valley Land SW BUILDERS: Tudor, Legend Developments, Elegant
14 AVENUE SW
SHOWHOMES: Everbrook Dr. SW DEVELOPER: Genstar BUILDERS: California Homes
02 CURRIE BARRACKS
SHOWHOMES: J5 2953 Battleford Ave. 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
13 WESTLAND ESTATES
BUILDERS: Baywest Homes, WestView Builders www.westlandestates.ca
14 WENTWORTH ESTATES BUILDERS: Prominent Homes
15 WEST GROVE ESTATES
BUILDERS: Prominent Homes, Crystal Creek Homes, Lupi Luxury Homes
BUILDERS: Prominent Homes
SHOWHOMES: Silverado Drv. SW, Silverado Skies SW, Silverado Blvd. SW DEVELOPER: United Communities BUILDERS: Baywest Homes, Homes by Avi, Landmark Homes, Lifestyle Homes, Sterling Homes, Pacesetter Homes, Trico Homes, Creations by Shane Homes, Avi Concept, Shane Homes
ES OM N H W E OP SHO
EVERYTHING ELSE IS
DOWNHILL FROM HERE. Visit www.PaskapooAtCougarRidge.com
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 39
home-building expertise makes renovation dreams a reality by Heather Ryan
ith 40 years of experience in building quality-crafted singleand multi-family homes behind it, it’s not surprising people are turning to Cardel Renovations to make their home renovation dreams a reality. The Renovation Division of Cardel Homes was created in response to a growing renovations market and it’s receiving a tremendous response from people who are looking for professionally-crafted, quality renovations. Regardless of whether you own a Cardel home, you’ll benefit from the expert team at Cardel Renovations that consists of your own personal interior designer, seasoned site supervisor, senior estimator and archi-
tectural technologist. Customers also have the unique opportunity to utilize Cardel’s stunning 11,000-sq.-ft. Design Centre where they can make all of their interior and exterior selections. Cardel Renovations has two project manager/design consultants who can deal with anything from helping customers choose their paint colours, flooring and window coverings, to offering advice on decorating their
“When you work with Cardel Renovations, we take care of everything, from applying for all of your permits to making floorplan changes, helping you select finishes and organizing trades.” space and furniture placement. “There are so many aspects to consider when you’re doing a renovation,” says project manager and design consultant Marie-Claire Williams. “When you work with Cardel Renovations, we take care of everything, from applying for all of your permits to making floorplan changes, helping you select finishes and organizing trades. “You’ll have a site supervisor who will orchestrate all of the trades and suppliers, as well as ensure the project is moving ahead on time and on budget. We make sure your renovation is done right the first time. “One of the benefits we offer customers is that because we’ve been home builders for 40 years, we’ve established long-term relationships with our trades people and suppliers who have a proven track record for providing quality workmanship and materials,” Williams says. “But also, because we build 350 homes a year in our single-family division, we have buying power that our competitors don’t, so our pricing is significantly
lower and we pass those savings along to our clients.” Cardel Renovations crafts a number of kitchens and bathrooms each year, “because those are definitely areas of your home where you will undoubtedly get the best bang for your buck when investing in a renovation,” Williams says, but the team is also seeing a lot of basement developments and whole house renovations. They’re currently working on a $250,000 renovation to a 1980s-era bungalow in Woodbine that includes everything from framing changes to give it that open concept feel, plumbing relocations, adding a new custom ensuite, gutting and enlarging the kitchen, rebuilding the stairs and more. “It is going to be absolutely gorgeous when it’s complete.” Homeowners can get their renovation project started by simply registering online or calling the office. Experts from Cardel Renovations will then meet with them to discuss what they want to create, present various options and ideas and examine the space to be renovated to eliminate any potential for problems to arise during the project and to ensure the renovation is realistic. Clients are then provided an estimate, and after they meet with the designers and make their interior selections, they are given a firm quote on the project – and it’s a quote that Cardel stands behind. “That is definitely an added benefit to our customers. Since we have the expertise needed to properly assess the job site, our pricing is accurate; there are no surprises for the clients half-way through the job,” she says. “As well, because we’ve been around for 40 years, people can have the peace of mind that we’re never going to leave a project half-done.” Cardel Renovations also backs its workmanship with a one-year warranty, and Cardel Financial can help homeowners with low monthly payment plans. If you’re planning a renovation project, Cardel Renovations offer free onsite consultations, so call 403.258.1511 to book an appointment today, or visit cardelhomes.com Feb 1 - mar 1, 2013 | New home Guide 41
›› calgaryregioneast CHESTERMERE chestermere
Note: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.
shores on westmere kinniburgh
DEVELOPER: Pollyco Developments BUILDERS: Stepper Custom Homes, Canterra custom homes, Sterling Homes, Lifestyle Homes, Douglas Homes, Westridge Homes, Broadview Homes
22X HERITAGE POINTE
04 buffalo hills (coming soon)
UILDERS: Prominent Homes B Douglas Homes, Klair Custom Homes Prominent Homes, Mapeland Homes
1 AV. N
1 AV. S
2 AV. S
2 HANSON DR.
02 Hanson Park
Developer: Hanson Park Developments Builders: Canaco Homes Ltd, Ovation Homes Ltd, Stepper Custom Homes Ltd, Douglas Homes
strathmore the ranch in strathmore
SHOWHOMES: 116-120 Ranch Gate 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
RAILWAY CR. RAILWAY AV.
DOUGLAS AV. CRILLY CL.
2 AV. N
LAGDON ODDFELLOW HALL
3 ST. E
2 AV. N
DEVELOPER: Harmony Park BUILDERS: Shane Homes, Stepper Custom Homes, Carpenter Homes
MAIN STREET LAGDON VANDERVELDE PL.
ANDERSON AV. WILSON RD.
01 boulder creek
GLENMORE NESBITT CL.
HIGH TRAIL RIVER
Developer: Mattamy Homes Builder: Mattamy Homes Sales centre 400 Westpark Dr.
RGE RD 27
DEVELOPER: Melcor BUILDERS: Landmark Homes, Lifestyle Homes, Reid Built Homes DEVELOPER: Melcor BUILDERS: Homes by Avi, Albi Homes
SHOWHOMES: 80 Westpark Crt., Rainbow Falls Manor DEVELOPER: Truman Developments BUILDER: Shane Homes, Jager Homes, Lifestyle Homes, Beattie Homes, Lionsworthe Homes, Douglas Homes
lyalta 03 the lakes of muirfield
SHOWHOMES: Muirfield Blvd. BUILDERS: Douglas Homes, Today’s Homes, Ribero Homes and Compass Rose Homes
42 New home Guide | Feb 1 - mar 1, 2013
HomeBuyersâ€™ 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
CALCULATE YOUR MORTGAGE PAYMENTS MORTGAGE PAYMENT CALCULATION CHART
CALCULATE YOUR MORTGAGE PAYMENTS MONTHLY PRE-TAX INCOME
DIVIDE BY 3
SPOUSE’S PRE-TAX INCOME
AFFORDABLE MONTHLY PAYMENTS
AMOUNT OF MORTGAGE DIVIDED BY 1,000
ESTIMATED MONTHLY TAXES & HEAT
TOTAL PRE-TAX INCOME
AMOUNT OF MORTGAGE (PRICE – DOWN PAYMENT)
INTEREST RATES %
AMORTIZATION PERIODS 5 YRS
FOLLOW THESE STEPS TO SEE IF YOU’LL QUALIFY FOR A MORTGAGE ON YOUR DREAM HOME
Calculate the combined monthly before-tax income of you and your spouse.
Multiply this figure by the amount you need to borrow. Divide by
Divide by three. This figure is the monthly payment you can afford to make on your home.
Add to this your estimated monthly heating costs and monthly property taxes.
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.
Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)
44 NEW HOME GUIDE | FEB 1 - MAR 1, 2013
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 and get pre-qualified.
MORTGAGE INTEREST RATES ATB Financial
3 YEARS 3.700
4 YEARS 4.390
5 YEARS 3.190
Bank of Montreal
Bank of Nova Scotia
Canadian Western Bank
Canadian Western Trust
First Calgary Financial
First National Financial
HSBC Bank Canada
Investors Group Trust
Laurentian Bank Canada
Meridian Credit Union
President’s Choice Fin’l
Royal Bank of Canada
Peace Hills Trust
Servus Credit Union T-D Mortgage
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 shortterm 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 JANUARY 23, 2013. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2013 CANNEX Financial Exchanges Limited. All rights reserved.
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 45
s 0 2 $3
›› SOUTHEASTCOMMUNITIES 36 STREET
9 DERSON ROAD
CL D. VO R BLV
130 AV ENU E
SPRUCE MEADOWS HWAY
NE T LOR F O UIS 5 of NOTE: Map is just a graphic representati onRQ of areas of developments. See ad MA a particular project for more details. SHERIFF KING STREET
JAMES Mc KE
FISH CREEK PARK
FOO T TR
1 CRANSTON AVE. SE
SHOWHOMES: Cranarch Landing DEVELOPER: Brookfield Residential BUILDERS: Albi Homes, Shane Homes, Cardel Homes, Cedarglen Homes, Trico Homes, Discovery Homes, Landmark Homes, Baywest Homes, Brookfield Homes www.livecranston.ca SHOWHOMES: Walden Terrace SE DEVELOPER: Genstar BUILDERS: Cardel Homes, Innovations by Jayman, Excel Homes, Homes by Avi, California Homes, Avi Urban
GLENMORE TRAIL BARLOW TRAIL
SHOWHOMES: Copperpond Heath SE and Copperpond Blvd. SE www.copperfield.ca DEVELOPER: Hopewell Residential Communities BUILDERS: Excel Homes, Sabal Homes, Stepper Custom Homes
ELBOW DRIV E
SETON BLVD SE
SHOWHOMES: Mahogany Boulevard SE & Mahogany Heights SE DEVELOPER: Hopewell Residential Communities BUILDERS: Jayman MasterBUILT, Sabal Homes, Stepper Custom Homes, Trico Homes ESTATE SHOWHOMES: Mahogany Manor SE BUILDERS: Baywest Homes, Calbridge Homes, Morrison Homes www.mahoganyliving.com
06 McKENZIE TOWNE
DEVELOPER: Brookfield Residential ELGIN VILLAGE SHOWHOMES: McKenzie Towne Dr. SE, Elgin Meadows Green SE., Elgin Estates View SE BUILDER: Cardel Homes, Albi Homes, Cove Properties, Cardel Lifestyles, Brookfield Homes, Avalon Master Builder www.livemckenzietowne.ca
07 NEW BRIGHTON
SHOWHOMES: New Brighton Dr. SE DEVELOPER: Brookfield Residential BUILDERS: Shane Homes, Cardel Homes, Trico Homes, Cedarglen Homes, Morrison Homes, Homes by Avi, Innnovations by Jayman, Brookfield Homes www.livenewbrighton.ca
08 CHAPARRAL VALLEY 10
9 01 AUBURN BAY
SHOWHOMES: Auburn Shores Way SE & Auburn Springs Blvd SE, Auburn Bay Blvd. SE, Auburn Sound Manor SE, Auburn Bay Gardens DEVELOPER: Brookfield Residential BUILDERS: Brookfield Homes, Cardel Homes, Cedarglen Homes, Baywest Homes, Jayman MasterBUILT, Albi Homes, Morrison Homes, Discovery Homes, Inspire by Jayman www.liveauburnbay.ca
SHOWHOMES: Chaparral Valley Drive SE & Chaparral Valley SQ DEVELOPER: Genstar BUILDERS: Cardel Homes, Jayman MasterBUILT, Innovations by Jayman, Cardel Lifestyles, Homes by Avi, California Homes
09 QUARRY PARK
SHOWHOMES: Quarry Landing SE, Quarry Parkway SE. DEVELOPER: Remington Corporation BUILDERS: Cardel Homes
DEVELOPER: Westcreek Developments BUILDERS: Stepper Custom Homes, Albi Homes, Trico Homes, Excel Homes (coming soon), Sterling Homes, Creations by Shane Homes
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 47
How to make
moving easier on your kids
WHEN ADULTS DECIDE TO MOVE, it’s
often to pursue an exciting opportunity or discover a new place. But for children, moving can be much harder to understand, as often they’ve only known one place as home. As you travel through adulthood, the unknown becomes more alluring, but it’s because you’ve been through major life changes before. That’s why it’s important to take some steps to make this major transition easier on your kids. Here are some tips from the moving experts at Penske Truck Rental for helping your children adapt to a new place, along with some practical moving advice for families: Communicate It can be hard to tell your kids that
they’ll be moving, but making sure that they know they can talk about how they’re feeling about the move is important. Try to keep the conversation positive by telling them about all the fun things they’ll be able to do in their new home, but acknowledge that they’ll feel some sadness about leaving their old one. Help them say goodbye Organize a going-away party for your children and their friends, and work with the parents of their friends to gather contact information so they can keep in touch after you move. Take inventory Take a minute with each child to go through toys and clothes to see what can be donated. By letting them help with these decisions, you can eliminate any angst that might come if they realize something they wanted was left behind when you get to your new home. C O N T I N U E D on p a g e 5 0 . . .
It can be hard to tell your kids that they’ll be moving, but making sure that they know they can talk about how they’re feeling about the move is important 48 New home Guide | Feb 1 - mar 1, 2013
$290,000* Cranston 109 Cranford Way SE 403.257.7940
$295,000* Auburn Bay 174 Auburn Bay Blvd. SE 403.452.2720
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 49
Have children pack a box of things that they will want the first day you move into your new home, like favourite toys, books or stuffed animals
Pack a first-day box Have children pack a box of
things that they will want the first day you move into your new home, like favourite toys, books or stuffed animals. Have the movers pack these boxes last so they are the first things unloaded when you arrive. If you are moving a long distance, have each child pack another bag with items to keep them entertained during the trip. Form a moving team Creating roles for your older children so they can help you move can make your move go quickly and smoothly. If possible, arrange for somebody to watch your younger children so you can focus on moving tasks. Hiring movers can also help take some of the pressure off you so you can tend to your children. Your younger children may also be thrilled by the chance to see the moving truck up close, so take the time to show them. Help them feel at home Showing your children new parks and other attractions in your new community will help them feel excited about their new home. Plan ahead to get them enrolled in activities with other children so they can quickly make new friends. However, be sure to explain to them that making new friends takes time, so they aren’t discouraged if it doesn’t happen for them right away. Communicate with their teachers to see if there’s anything special you can do to help your children feel more comfortable at school. By doing the little things to help your children cope with the tough parts of moving, you’ll put them in a position to acclimate themselves to their new home quickly and easily. For more helpful moving tips, visit pensketruckrental.com 50
FEB 1 - MAR 1, 2013 | NEW HOME GUIDE 51
[find your style[ Modern
Whether your taste is modern, traditional, or eclectic, we have a home that fits your style
[Modern] Starting in the $350â€™s showhomes New Brighton 403.257.2162 The District in New Brighton 403.452.4035 Auburn Bay 403.252.9040 Cranston 403.257.5801 Riverstone of Cranston 587.352.3598
cedarglenhomes.com This is a marketing document and subject to change without notification. In case of conflict between this document and a contract, the contract will prevail. 01/2013. E&OE.
Excitement abounds with Shane Homes’ opening of the
Orion in Cranston by Heather Ryan
xcitement fills the air with the opening of the first MacLean says. “They can build a base spec and be really two showhomes, including the popular Orion model, happy without the need for lots of upgrades. by Shane Homes in Cranston. “They’re also excited that there are lots of greenspace The Orion comes standard at 1,858 sq. ft., but the and pie-shaped lots available, and from this location showhome presents 1,969 sq. ft. and it’s being well-received they can take a pathway to Fish Creek Park and walk by visitors since opening in this southeast Calgary com- to Seton.” munity in late November. From the entry, you’ll love the openness and the grand “These are the first two Shane models in Cranston, so view through to the rear of the home. The large white tile there is a lot of excitement,” says area manager Michael flooring underfoot adds to the home’s bright and airy feel MacLean. “Visitors love the upper floor layout with the and offers an inviting contemporary look. The entry also massive bonus room and the open main floor which offers has room for a bench or hall table and there’s a nice corner a great space for a good sized family and entertaining. niche adding a decorative touch. “It’s a phenomenal home; it’s well put together, creative At the rear of the home, you’ll be delighted with the and an honest use of space,” MacLean says. “People also spacious great room that is warmed by a cool grey carpet like the neutral colour scheme in the Orion; it throws a and a corner fireplace that is surrounded in a black modern twist to a classic element and they can picture zigzag patterned tile. A niche above the fireplace prothemselves living in it. vides room for a TV or artwork. “It’s very customizable as well; there are a number of optional layouts available and we can customize it even The Orion comes standard at further,” he says. “We provide customers a lot of choices beyond what they see and we can expand the square 1,858 sq. ft., but the showhome presents 1,969 sq. ft. and it’s being well-received footage without sacrificing the feel of the home, while keeping it at a reasonable price point. by visitors since opening in this southeast “People also love our great standard features,” such as Calgary community in late November. granite throughout, six appliances, tile floors and more,
The Andorra II presents a dynamic entry with a mixture of rustic looking engineered hardwood floors and wood spindles on the staircase “that give it a warm cottage feel, but as you go through the home you get a more modern feel.”
The kitchen presents a clean crisp look, with its grey granite countertops and decorative circular white mosaic tile backsplash. Honey-toned cabinets warm the cool look and a large flat-surface island serves up plenty of seating at the breakfast bar giving the home owners and guests room to socialize. Beside the kitchen, the dining nook has a large window and single glass door to the deck ensuring a generous amount of sunshine at mealtimes. A corner door in the kitchen opens to a walk-through pantry leading to the mudroom and entry from the garage, making it easy to bring in the groceries from the car. Upstairs, the owners’ suite provides substantial room for a king-sized bed and furniture, and owners will adore the luxurious ensuite featuring dual sinks in a granite-topped vanity, corner soaker tub, oversized
shower, separate built-in make-up counter and a large walk-in closet. Down from the owners’ suite are two good-sized bedrooms, the main full bath with granite-topped vanity and a good-sized laundry room. At the front of the home is a large bonus room that offers a welcoming space to enjoy a family movie night and still have additional room at one end for an IT centre, wet bar or a foosball table and not feel crowded. Shane Homes also has the 2,449-sq.-ft. Tofino on parade in Cranston. For more information, visit the showhomes, open Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m. Call Michael MacLean or Nadine Dobson at 403.536.2318 or visit shanehomes.com
IT’S NEVER TOO EARLY TO BEGIN YOUR
tax-planning 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 firstname.lastname@example.org or follow him on Twitter at Twitter.com/WayneKarl
ment for only less than five years before leaving the workforce. More than two-thirds (69 per cent) of retirees say, in hindsight, they should have saved for retirement for 25 years or more » A recent BMO study found that more than a third (40 per cent) of Canadians are unclear on the differences between an RRSP and a tax-free savings account. » If, like many Canadians, you believe that you pay too much tax, then taxplanning, and thinking of ways to minimize tax, should be a yearround task. IF “NOTHING IS CERTAIN BUT DEATH AND TAXES,” AS SEVERAL
SOME SUGGESTIONS, COURTESY OF A VARIETY OF SOURCES: Meet with a financial advisor to devise your strategy, including plans to buy a home, reduce debt and save for retirement. Contribute to RRSPs regularly, even if smaller amounts throughout the year to avoid having to come up with a large lump sum at deadline time. Manage and budget your spending, to better control where and how you spend and identify opportunities to save. Remember that your finances are connected. Making progress on one aspect of your goals can lead to an CONSIDER, FOR EXAMPLE: opportunity to improve in others. » A recent CIBC poll conducted by Harris/Decima shows that many CanaTaxes are indeed certain, so plandians across a wide range of ages say they do not feel financially prepared ning to minimize what you pay, while for their retirement. maximizing your assets and develop» According to a new TD Retirement Realties Poll, too many Canadians ing the discipline to do both, is a procrastinate in saving for retirement; 15 per cent plan to save for retire- sound strategy.
famous authors have waxed in various forms, it seems Canadians have a curious way of preparing for the inevitable. While the deadline for contributing to one’s Registered Retirement Savings Plan (RRSP) for the previous tax year is March 1, and for fi ling a return April 30, many Canadians take it right down to the wire – especially on the fi rst point. With these deadlines not too far around the corner, it’s an appropriate time to discuss how consumers tend to begin most of their tax planning. Indeed, as many experts suggest, the best tax planning should begin during the year – not at tax deadline time. But, like death, perhaps Canadians just don’t like to think about taxes, viewing them as an equally unsavoury topic. How else would you explain that, looking at the bigger picture, we are seemingly even more short-sighted: personal finance and taxes are not subjects that are taught to any depth in our public education system. David Chilton lamented this fact in his 1989 best seller, The Wealthy Barber. More than 20 years later, the challenge still exists – for Canadians of every age.
56 NEW HOME GUIDE | FEB 1 - MAR 1, 2013
This is what memories are made of.
Auburn Bay’s cottage country atmosphere is the perfect place to create a lifetime of memories with your family. Its 43-acre freshwater lake and 13-acre private beach and park provide endless opportunities for you and your family to connect.
52 Street SE
Hwy 22x Auburn Bay
Seton Blvd SE
Apartments and Townhomes from the $200,000s Mosaic Lakeside | Stonecroft | Zen Semi Detached Homes from the $290,000s Brookfield Side-By-Sides Single Family Homes with Detached Garage from the $300,000s Discovery | Brookfield Single Family Homes from the $350,000s Innovations by Jayman Single Family Homes from the $400,000s Baywest | Cardel | Cedarglen | Jayman Estate Homes from the $600,000s Albi | Morrison
Showhomes open Monday to Thursday 2pm – 8pm, weekends & holidays 12pm – 5pm. New showhomes by Innovations by Jayman now open! LiveBrookﬁeld
@live_brookﬁeld Feb 1 - mar 1, 2013 | New home Guide 57
Do You Know
how you rate? by JASON ELDRIDGE Since the downturn of the economy more
than two years ago, financial institutions and various credit adjudicators have tightened the reins on their lending policies and, in particular, pay much greater attention to an individual’s past credit experience than ever before. Nowhere has this been more evident than in the mortgage industry. With foreclosures at historic levels, most lenders, insurers and their investors have reduced their product offerings, while at the same time, they have placed considerably more emphasis on a client’s credit (beacon) score when making their final decision. That being the case, there are a number of things you should know, not only when it comes to you qualifying for any type of credit request, but also in maintaining a good credit rating in general. Due to the fraudulent activity that is occurring in the world today, it is prudent that you check your credit report on an annual basis to ensure that all account information that is contained in the report is accurate. There are two main credit report providers in Canada: Equifax and Transunion. Each of these providers can be accessed online at econsumer.equifax.ca and transunion.ca When applying for credit, it is important that you don’t apply to several different banks or financial institutions within a short time of each other. Each time you do so, it 58 New home Guide | Feb 1 - mar 1, 2013
is referred to as a “hit,” and this may result in your score dropping enough to prevent you from qualifying for that particular credit product. In the case of purchasing a home or refinancing your existing property, it is beneficial to use the services of a mortgage broker as we typically access your credit report once, and supply it to the various financial institutions for review. If you access your own credit report by contacting either Equifax or Transunion directly, this does not represent a “hit” on your file and therefore does not impact your score. In order to get your score as high as possible, I suggest the following. It is best to make at least the minimum payment required for each particular credit card or line of credit each month. If possible, keep your balance(s) at or below 75 per cent of your credit limit(s). In the event that you are either late with a payment or your account has gone to collection, it is vital that you bring the account up to date as soon as possible. You would be amazed how much your score will drop if you are so much as 30 days late on an account, regardless of how much or how little that minimum payment required is. The good, the bad and the ugly stay on your credit report for a minimum of six years. In situations where there has either been serious delinquency or a bankruptcy in the past, it can be very difficult to re-establish one’s credit rating. One of the easiest ways to do so, however, is to get a cash secured credit card. It is recommended that you get a limit of at least $1500, which means you need to pledge at least that much money as security. If you hold the card for a year and continue to make the minimum payment each month, you will find your credit score will go up significantly. This same approach may be used in situations where a client doesn’t have any credit whatsoever. Individuals with no credit history are often viewed in the same light as those clients with bruised or poor credit ratings, because there is no previous credit upon which to base their decision. As always, I welcome any questions or comments you may have regarding the information contained in my articles. Until next month…
Jason Eldridge P.F.P, B.Admin Mortgage Specialist, Axiom Mortgage Solutions (formerly Unisource Mortgage) Cell 403.630.1718 Fax 866.708.5807 Email email@example.com Web/apply online jason.axiommortgage.ca
Showhomes NOW OPEN in Auburn Bay! Park lots JUST RELEASED.
AT INNOVATIONS BY JAYMAN, A FULL SPECTRUM OF CHOICE IS JUST THE BEGINNING. NOBODY GIVES YOU MORE INCLUDED VALUE: Online Warranty Service Program Jayman Realty styleMagic WenDi Interiors Complimentary Moving Van
An Award winning community with an award wining builder. Innovations by Jayman is now building homes in the lakeside communtiy of Auburn Bay. OR OF L
RA NE T
Bay Lin E
BOU TO N
O IL S
tr ay S
Cre st Park SE
SHOWHOME HOURS: Mon - Thu: 2-8 pm Sat, Sun & Hol: 12-5 pm
AUBURN BAY, CALGARY 318 & 322 Auburn Crest Way SE Phone: (587) 351-3678
FUTURE 52ND AVEHNUE
U IS AR Q
Auburn Crest Way SE
BUILDING FROM THE
InnovationsByJayman.com *Pricing may besubject to change without notice. See sales centre for details.
IBJ-AUB-NHBG-FP-1.16.13.indd 1 059-Jayman-Innovations 02-01-13.indd 59
1/18/2013 10:56:06 AM 1/25/13 11:16:36 AM
060-Prominent 02-01-13.indd 999
1/25/13 11:16:38 AM