March 1 - 29, 2013 Volume 16 Issue 03
inside this issue
THE FINANCIAL SIDE OF NEW-HOME BUYING
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TIPS TO HELP YOU FIND YOUR NEW HOME
SHOWHOME REVIEW: VERVE II IN SKYVIEW RANCH
2/22/13 2:20:17 PM
Come And See What The Best Dressed Showhomes Are Wearing This Year.
The Devon, Lakepointe Showhome
Two New Showhomes Now Open In Lakepointe. There’s no Showhome like a new Showhome and we now offer two in our superb community of Lakepointe at Chestermere Lake. You can tour a very well appointed, open concept Semi-Detached Showhome with a layout that includes a Mudroom/Family Organization Centre, 3 Bedrooms and a Loft. We also have a Double Car Garage home that features lots of natural light through oversized windows, a second floor balcony off the Family Room, a Great Room, a Den or Office space, 3 spacious Bedrooms and lots of elbow room throughout. Both of these homes have been decorated by professionals so you’ll see the very latest in design trends and furnishings on display. Come and see why so many families already enjoy life in Lakepointe.
Airport 10 mins. To Calgary
Trans-Canada or 1 6th
West P Driveark
Semi Detached Home, The Manchester ‘B’, 2,065 Sq.Ft
Double Car Garage Home, The Devon ‘B’, 2,392 Sq.Ft.
Sales Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm. visit us on facebook facebook.com/mattamyhomesyyc
All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.
Calgary_New Home Guide_(LP)Feb 2013.indd 1
2013-02-13 10:05 AM
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One of Calgary’s Fastest Growing Communities!
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Single Family Duplex Homes from the low $
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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.
march 1 - 29, 2013 | New home Guide 03
Midtown model home in Walden
SINGLE FAMILY 04
CONDOS + TOWNS
In communities all across Calgary
Stylish urban architecture lives at Walden. And so can you. Modern architecture and visionary planning have created an environmentally sustainable community, with stylish results. In Walden, parks and pathways link master-planned collections of urban-fusion homes for move-up and semi-estate buyers.
ArrIvA 2 Model hoMe coMIng Apr 2013
SINGLE-FAMILY hoMES StArtING FroM thE
SEMI-EStAtE hoMES StArtING FroM thE
Single-family homes featuring urban-modern architecture Extensive community shops and services
Larger semi-estate lots
Close to LRT, Fish Creek Park and Fish Creek Rec Centre
Great selection of homesites
Eclectic architectural styles
Unique urban-modern elevations
Front landscaping included
Visit us online for interactive floorplans or stop by a model home.
Built for real life. cArdELhoMES.coM
Sales centre: 56 Walden Terrace SE 403.984.9107 hours: Mon-Thur: 2 pm-8 pm Sat, Sun & Holidays: Noon-5 pm 05
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contents MARCH 1 - 29, 2013
VOLUME 16 ISSUE 03
cover story Excel Homes HAS NEW SHOWHOMES BLOOMING THIS SPRING: PAGE 12
features & editorials IN EVERY ISSUE
IN THE NEWS
COLUMNISTS 16 THE HOMEBUYING PROCESS
The financial side of your homebuying process by Donna Moore
Organizing myths that can keep you stuck
by Wayne Karl
How to find a home? Pay attention to location, information and timing INSIGHT
Interest rates are on the move... again by Jason Eldridge
launches 2nd Annual Toupe for a Day to help fight cancer BROOKFIELD RESIDENTIAL
once again honoured as one of Canada’s top employers
Excel Homes has new showhomes blooming this spring
HOW TO FIND A HOME
Which type of home might be right for you? HOW TO FIND A HOME
Factors and features to consider when looking for the ideal community
Creations’ Verve II: a top seller in Skyview Ranch by Heather Ryan
The latest and greatest products on the market and where to find them by Silvana Longo
Reveal the untapped potential of the home office by Jo Alcorn
by Heather Ryan
Creative landscape options MORTGAGE MOGUL
Canadians plan to save nearly $10,000 in 2013: report
HOMEBUYERS’ HELP COVER STORY
by Brad Jackman
by Hellen Buttigieg
Watermark at Bearspaw gaining national recognition by Heather Ryan
HOMEBUYERS’ RESOURCE SECTION
Mortgage calculator and rate table
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 Sara Duck Elisa Krovblit Lydia McNutt (on leave)
Melanie Gowans 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
56 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 misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.
EDITORIAL Submissions from interested parties will be considered. Please submit to the editor at Susan.Legge@wall2wallmedia.com.
Taking advantage while you can Use low interest rates to your beneﬁt
he Bank of Canada’s latest announcement to hold its interest rate target at one per cent does not come as a surprise. The rate has been holding at that level since September 2010, which is good news if you’re in the market for a mortgage. There are many excellent mortgage products available from banks and brokers that will suit your individual needs, and are likely lower than posted bank rates which are currently hovering around three per cent for a variable rate. With a preapproval in hand, you’re protected if rates rise; if they go down, you’ll likely get an even lower rate. A pre-approval can be a win-win situation for shoppers, since it means you don’t have to wait to get financing approval on a home when you put in an offer. This is an especially good tool to have in markets that are hot. Removing the “conditional on financing” clause could mean your offer is accepted first since you already have your financing in place. So, when will rates rise? It’s anyone’s guess, but most experts agree it’s unlikely there will be much movement until early 2014. The Bank will make its next scheduled rate announcement on March 6. Don’t wait until then to get preapproved for a mortgage. It can take a few days. Many lenders now offer online pre-approvals to make the process faster and easier.
Susan Legge EDITOR-IN-CHIEF Wall2Wall Media, Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge
Know your builder – and warranty Buyers should take the time to look into who’s building your home and what’s covered
magine buying a new car, TV or other big-ticket item without first inquiring about the manufacturer’s warranty. You wouldn’t dream of it, would you? But when it comes to buying a new home, many consumers are not always as diligent. Perhaps it’s a matter of some people being so excited about buying a new home that they’re more interested in choosing finishes and floorplans than reading the fine print of a sales agreement or warranty. 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. Indeed, taking the time to learn about your new-home builder, what kind of warranty it provides and what is covered, is time well spent. Too often, buyers don’t examine this part of the homebuying process until they need to – when an issue arises. Just like with cars or electronic devices, not all manufacturers and products are created equal. Learning about your new-home builder and warranty is a crucial part of the homebuying process.
Wayne Karl EDITOR Wall2Wall Media, firstname.lastname@example.org Follow me on Twitter at Twitter.com/WayneKarl
10 NEW HOME GUIDE | MARCH 1 - 29, 2013
is it possible for the exceptional to come standard?
absolutely. Jayman Masterbuilt is committed to the exceptional, from our homes to our proven process and convenient services. experience it for yourself by visiting us in one of our show homes or online.
show home hours Monday to thursday 2-8 pm Weekends / holidays 12-5 pm For show home locations visit jayman.com/showhomes
certainty comes standard
Auburn bAy | ChApArrAl VAlley | eVAnston MAhogAny | sunset ridge | riVersong
Ainsworth Showhome in Heartland
Excel Homes has new showhomes
blooming this spring by Heather Ryan
here is plenty for Excel Homes to be excited garage model that is one of our most popular plans, and about, as good things are blooming this spring the 1,437-sq.-ft. Sherwood, a laned home with a front for the award-winning home builder. veranda. Excel’s homes in Sage Hill start from the “We’re thrilled to announce a number of new $330,000s. showhome openings over the next few months. We will “There’s a diverse product lineup to see in Heartland be entering into some new communities as well as opening in Cochrane, with a number of new showhomes, includnew showhomes in some of our existing communities,” ing three new Heartland townhome showhomes – Paxton, says Wanda Palmer, manager, advertising and online strat- Stapleton and Birchfield – and a sales centre, which will egies. “There has been a lot of new activity at Excel Homes open in April. The townhomes have three bedrooms, 2.5 so far this year, and it’s pretty exciting.” bathrooms and offer options with rear attached garages, Starting off, Excel opened two new showhomes in upstairs laundry and bonus rooms. Another key benefit Sage Hill in February: the Weston, a 1,751-sq.-ft. front is that there are no condo fees.
12 New home Guide | march 1 - 29, 2013
Weston Showhome in Heartland
These townhomes are currently selling in four-plex and tri-plex buildings and offer special introductory pricing starting at $249,900. In March, Excel is also adding a new laned model to the existing single family showhome parade in Heartland. The Kendal is a 1,888-sq.-ft. two-storey home with a thirdfloor loft. “It’s a really well-designed plan that adds great value for people who are looking for more space. The Kendal has been one of our top selling laned models in other communities,” Palmer says. Excel’s laned homes in Heartland start in the $270,000s. The two front garage showhomes in the current Heartland parade are the Weston, at 1,735 sq. ft., and the 2,108sq.-ft. Ainsworth, which start from $370,000s. “We’re currently working on two new front garage homes that will open this summer – the Weston II and Ambleside,” she says. “And, for those looking to move in sooner, we also have a great selection of laned and front garage homes available for 30- to 60-day possessions and townhomes that are 60 to 90 days.” Excel Homes will open in three new communities this spring. In Cochrane’s Sunset Ridge, Excel will open two front garage showhomes in March – the 2,010-sq.-ft. Monarch Hill, an Alberta Award of Excellence winner and the ever-popular Weston – starting from the $370,000s. Excel will be building a wide range of home styles in
Heartland Townhome Showhomes
EvansRidge in northwest Calgary, including rear laned homes on conventional and zero lot lines and single- and double-front garage homes. There will be three showhomes opening in EvansRidge later this spring. Excel’s laned models will be priced from the mid $300,000s and the front garage homes will start in the low $400,000s. In south Calgary, Excel will be building laned homes in Legacy and will open two showhomes and a sales centre in April. “We’re also excited to welcome our sister brand, Centrex Homes, to Heartland in Cochrane and Walden in south Calgary,” Palmer says. “In Walden, Centrex will be building front garage homes with two new showhomes opening in April.” Centrex will also be building a tri-plex townhome development in Heartland, as well as front garage homes. The townhomes will begin pre-selling from a temporary sales centre this spring and the Centrex front garage model showhomes will open in the summer. “We are looking forward to introducing our new showhomes. They will showcase many exciting new features and designs we think people will love,” Palmer says. To learn more about Excel Homes, visit excelhomes.ca. Excel’s showhomes are open Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m. march 1 - 29, 2013 | New home Guide 13
THERE’S NO PLACE LIKE HOME! You’re not in Kansas anymore… You’re in Drake Landing – a magical realm where it’s possible to buy a brand new home AND enjoy the schools, parks, shops and recreational amenities of an established neighbourhood. 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
MARCH 1 - 29, 2013 | NEW HOME GUIDE 15
the financial side of
your homebuying process by Donna Moore
With the winter blahs behind them
and spring just around the corner, more people will be out looking to buy their first home or a move-up property within the next few months. For those who are thinking about buying a new home this spring, whether you’re a first-time homebuyer or have been down the path before and seeking your next home, it will ultimately come down to finances. Some of the key questions people may want to ask themselves before taking the plunge to homeownership are: what’s the best approach to financing the purchase; how long will it take to get your financing in place; and how much can and should you borrow and still feel comfortable? Being comfortable with all aspects of your mortgage is a big part of enjoying your new home – you don’t want find yourself in a situation where you’ve bought at the high end of your budget and you’ve left yourself short for incidentals that often pop up. There are number of mortgage lenders to choose from, offering a vast array of approaches to make the homebuying process easier for you, along with offering ways to meet various budgets so you’ll feel comfortable with your decision at the end of the day. There are also several home builders in the Calgary region which offer assistance by providing customers with information about lenders, and some can also help with the process. 16 New home Guide | march 1 - 29, 2013
Donna Moore Executive Officer, Calgary Region Home Builders’ Association 403.235.1911 | crhba.com
With today’s technology, homebuyers have easier access to financing information and advice from various sources than ever before. Of course, one of the quickest ways to obtain mortgage information is through the Internet. Mortgage lenders and insurers offer a wealth of valuable online information and you can find out about the buying and borrowing process, what you’ll need for a down payment, as well as various financing options. Many websites have mortgage calculators so you can easily figure out just how much of a home you qualify for buying and what your payments would be. You can also explore how different purchase prices, down payments, amortization and payback options affect your payments. If you’d rather have more hands-on material, most lenders have a full range of brochures and worksheets available at their local branch offices, so you can stop in and grab copies of these or check to see if they can be e-mailed to you. Some lenders also have a toll-free number for 24-hour access to information. And when you start getting serious about a purchase, it’s a good idea to make an appointment with a mortgage specialist to discuss what you’d like to buy, your budget and to get a mortgage pre-approval. Obtaining a pre-approved mortgage is a really good idea because this way you know the range of the purchase price of a home you can afford before you start looking. And access to lenders has never been easier, with some offering flexible business hours and having mobile mortgage specialists who will come to you. New-home builders are also an excellent source of financing information and assistance. When you are out house hunting and visiting showhomes, you’ll discover some of the larger builders, in collaboration with their financial partners, offer mortgages to their customers at preferential rates. But at a minimum, your builder can provide information and refer you to lenders that are well versed in financing new home purchases. Mortgage specialists are highly trained and well equipped to provide advice and information to help make the homebuying process easier, and they can often process your application quickly. Having easy access to information and efficient service from mortgage lenders lessens the hassle when it comes to the financial side of the homebuying process, and is another step towards making your homebuying dreams come true.
N OR T
ASK AN EXPERT: by HEATHER RYAN
New trends in interior home design Q: What are some of the current trends in new home interior design? A: Kal Macdonald, interior designer for Shane Homes and Creations by Shane Homes, who has just returned from Interior Design Show 2013 in Toronto, says there are a number of new trends that will be making their way into homes this season. “Some of the trends we saw at the show our customers have actually asked for recently and we expect some will be incorporated in our showhomes and our Expressions Design Studio,” Macdonald says. “For about a year people have been moving toward the polished look in the kitchen and bathroom and high gloss is in,” he says. “We’re seeing high gloss white, black, red and sand cabinets for the kitchen and bath and white glossy furniture such as lacquered coffee tables and dining tables. “In the kitchen we’re also starting to see mirrors on the front of the island, which enhances the space and adds a modern look and I think we’ll try this in one of our showhomes,” he says. “We’re also going to add the high gloss white cabinets in our new showhome in Nolan Hill opening in
April, so customers can get a feel for the new look.” For countertops, more people are choosing quartz over granite and there is a trend towards lower profile looks going from the current three centimeters down to two and even one centimeter thick for “a more streamlined and clean look,” Macdonald says. Bright paint colours are in for 2013 with Emerald Green and Monaco Blue (similar to a Cobalt Blue) as stand outs and golds and yellows are popular too. “People are starting to punch up the colour in their homes using these bright colours as an accent and mixed typically with bright white.” Another trend in decor is an influence from Africa with warm colours and replica skin prints used for upholstery, as well as carved wood accessories. “This decor looks good in a modern space,” Macdonald says. “We’re also seeing more interest in including a ‘man cave’ in the home, so there is a growing trend toward adding features such as billiard rooms, cigar rooms and even virtual golf if they have the space.”
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
18 New home Guide | march 1 - 29, 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
NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.
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
MARCH 1 - 29, 2013 | NEW HOME GUIDE 19
Home options WHICH HOME TYPE MIGHT BE BEST FOR YOU?
IF YOUâ€™RE ABOUT TO GO THROUGH THE HOME-BUYING EXPERIENCE,
particularly as a first-time buyer, no doubt you have a lot of questions in terms of what type of home to buy. What type of homes will you be visiting with the idea of buying? Do you see yourself living in a detached single-family home, or perhaps a townhouse? You may have a number of options to consider, depending on your area and your budget. HERE ARE SOME BASIC SCENARIOS TO EXPLORE: SINGLE-FAMILY DETACHED: A single-family detached home is a onedwelling unit. It stands alone, and sits on its own lot. This often gives the family a greater degree of privacy. SINGLE-FAMILY SEMI-DETACHED: A semi-detached home is a singlefamily home that is joined on one side to another home. It can offer many of the advantages of a single-family detached home. It is often less expensive to buy and maintain. DUPLEX: A duplex is a building containing two single-family homes, located one above the other. Sometimes, the owner lives in one unit and rents the other.
Your first home is just around the corner.
20 NEWSpringCreditHorzAd-14.25x4.625.indd HOME GUIDE | MARCH 1 - 29, 2013 1
TOWNHOUSE: Also sometimes carport gives access to the front and Detached and semi-detached called row houses, these homes are back yards. Builders sometimes join homes, duplexes and townhouses are several similar single-family homes, basement walls so that link houses usually owned freehold. side-by-side, joined by common appear to be single-family homes walls. They can be freehold or con- on small lots. These houses can be CONDOMINIUM: Condominium dominiums. They offer less privacy less expensive than single-family de- ownership means you own the unit than a single-family detached home, tached homes. you live in and share ownership rights although each has a separate outdoor for the common space of the buildspace. These homes can cost less to FORMS OF OWNERSHIP: ing. Common space includes areas buy and maintain, even though some such as corridors, the grounds around are large, luxury units. FREEHOLD: This means that one the building and facilities such as a person (or two, such as joint owner- swimming pool and recreation rooms. STACK ED T OW NHOUSE: ship by spouses) owns the land and Condo owners together control the Stacked townhouses are usually two- house outright. There is no space co- common areas through an owners’ storey homes. Two two-story homes owned or co-managed with owners of association. The association makes are stacked one on top of the other. other units. decisions about using and maintainThe buildings are usually attached in Freehold owners can do what ing the common space. groups of four or more. Each unit has they want with their property – Condominium ownership is owndirect access from the outside. up to a point. They must obey ership of a unit, usually in a highrise municipal bylaws, subdiv ision but can also be a townhouse or in LINK OR CARRIAGE HOME: A agreements, building codes and a lowrise. link, or carriage home, is joined by federal and provincial laws, such as a garage or carport. The garage or those protecting the environment. SOURCE: Canada Mortgage and Housing Corp.
The BEST mortgage rate
Buying your first home isn’t as easy as it used to be—we get that. That’s why we’re offering the guaranteed BEST mortgage rate, so you can focus on finding the best home for you. Visit your local ATB branch or call 1-888-404-4646 today. atb.com/greatrate
The Best Mortgage Rate Guarantee applies to ATB Rate First and Extreme 5-year closed fixed-rate mortgages only; versus publically published rates for 5-year closed fixed-rate mortgages by Canada’s big five national banks. Some conditions apply. On approved credit. Offer applies to new residential mortgages and ATB residential mortgages eligible for renewal during offer period. Offer subject to change at any time. One offer per household. ™ Trademarks of Alberta Treasury Branches.
1:17 PM 21 MARCH 1 - 29, 2013 |13-02-20 NEW HOME GUIDE
The ideal community:
Factors & features to consider
When choosing a new home, your choice
involves more than the home itself. Often, homebuyers are so wrapped up in the home that they forget the importance of the surrounding community. Do you dream of a smaller community that is unique and charming? Or, are you willing to sacrifice peace and quiet to be closer to big-city amenities and other conveniences? Start by making a list of the desired lifestyle factors that are most important to you and your family. Consider location, proximity to work and schools, activities and local attractions in the community. “There are many factors involved in selecting the right community in which to buy your home,” suggests Sandra Webb, a senior executive at Royal LePage Canada. “Deciding what’s important to you and your family is the first step in finding your ideal match.” Knowing your requirements will help narrow your home search and save time. What are the most important amenities for you? Do you want to be close to parks and forests, or restaurants and shops? What types of activities are you and your family likely to be involved with? The answers to these questions will help you determine what type of neighbourhood or community is best for you and help you locate the perfect home. For further insight on buying a home, visit the website at royallepage.ca NC 22 New home Guide | march 1 - 29, 2013
“There are many factors involved in selecting the right community in which to buy your home. Deciding what’s important to you and your family is the first step in finding your ideal match.” 10 important questions to ask yourself before you buy: 10 Where will the kids go to school, and how will
they get there?
09 Are there parks, recreation centres, places of
worship close by?
08 Where will you do your grocery shopping? 07 Does the area offer easy access to banks, offices
06 Is the highway easily accessible? 05 How far away is the nearest public transporta-
04 How far are you from work? 03 What are the commuting costs to work, family
02 Is there any major development planned for the
area in the future?
01 Can you see yourself living and growing in this
community for the next five, 10, 15 years?
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
MARCH 1 - 29, 2013 | NEW HOME GUIDE 23
Creations’ Verve II
A TOP SELLER IN SKYVIEW RANCH by HEATHER RYAN
ith an inviting open floorplan and generous space for the family and entertaining, it’s easy to see why the Verve II continues to be the most popular model in Creations by Shane Homes’ lineup. “For the fifth year, it’s our number one selling home,” says Belal Fouani, Creations by Shane Homes’ area manager in SkyView Ranch, located in Calgary’s New North. “It’s certainly a favourite with buyers in SkyView Ranch. 24 NEW HOME GUIDE | MARCH 1 - 29, 2013
“People love the open concept design,” he says. “It’s really well-designed, feels much larger than its 1,536 square feet, plus it has that functionality; there’s no wasted space. “They also like the idea of the open floorplan when entertaining because they are able to socialize with their guests from anywhere on the main floor,” Fouani says. “And it has a welcoming feel – they can see themselves living in it and most people want to duplicate the showhome.” Buyers appreciate Creations’ high standard features that are often considered luxuries, such as granite countertops throughout, tile floors and six appliances, says Fouani. “New this spring, we’re also making stainless steel appliances, maple cabinets and under mount sinks in the kitchen as standard. “They also love that our plans are versatile; they’re not set in stone, so we can customize them to suit their lifestyle and needs,” he adds. The Verve II presents an esthetically-pleasing exterior with a full-width front veranda that welcomes you home. A good-sized entry is open to the family room, which is warmed by a plush carpet and a corner fi replace that is surrounded in tile and topped with a wood mantle.
Adjacent to the family room is a large central dining area, and there is a convenient niche by the stairs that can be used for an IT centre, home management centre, hall table or bench. The wow factor is definitely the kitchen’s delectable granite-topped flush island with breakfast bar seating and decorative glass cabinet at one end, and the full-height tile backsplash with decorative mosaic tile inlay. Upstairs, the owners’ suite offers an inviting retreat, and “people really like the ensuite,” Fouani says, which features a corner soaker tub, granite-topped vanity with built-in make-up counter, separate glass walk-in shower and beautiful tile design with wave pattern inlay and a walk-in closet. There are also two secondary bedrooms each with a walk-in closet on the standard layout, a main full bathroom with a granite-topped vanity and a second floor laundry with two closets nearby providing convenient storage. Creations also has two additional showhomes on parade in SkyView Ranch. The 1,569-sq.-ft. Galiano is highlighted by two living areas on the main floor, which allows buyers to have a more formal space up front for the adults and a more casual space in the back for kids.
“This home also offers a very large owners’ suite – the same size as you’d find in a larger home – with a four-piece ensuite showcasing a spacious shower, soaker tub, vanity and a nice-sized walk-in closet.” The 1,417-sq.-ft. Aries is highlighted by a well situated built-in entertainment centre with rounded jut-out shelf in the living room that “people really like. It ups the wow factor in the home – you’re getting a luxurious feature in a starter home and its standard,” Fouani says. A half wall acts as a subtle separation between the living room and the rear of the home and Creations has crafted a convenient desk area that can serve as a home management centre against this wall making great use of space. Fouani says Creations has a selection of nice lots available in SkyView Ranch, which “is seeing tremendous activity and is selling fast,” including some lots fronting and siding onto the park. For more information about Creations by Shane Homes’ showhomes and SkyView Ranch, visit the showhomes, Monday to Thursday 2 to 8 p.m., and weekends and holidays noon to 5 p.m., call 403.536.2313 or visit creationsbyshane.com MARCH 1 - 29, 2013 | NEW HOME GUIDE 25
REPORT FINDS CANADIANS PLAN TO
“It’s encouraging to see Canadians are planning to maintain or increase their personal savings this year, particularly as we look to balance increasing debt loads and turn around decreasing rates of savings,” says Ernie Johannson, senior vice-president, personal banking, BMO. Yet, despite the positive nature of the findings, the poll shows the optimism is tempered by the fact that only half (48 per cent) say they are saving enough to meet their goals, with high expenses (71 per cent), low income (65 CANADIANS WHO ARE PLANNING TO SAVE in 2013 per cent), and debt repayment (52 per cent) cited as the are aiming to put away an average of $9,859 in order to meet top barriers to increased savings. their goals – an increase of nearly $600 over last year, or The personal savings rate in Canada, calculated by approximately seven per cent. Statistics Canada, currently lies near historic lows at 3.9 per cent. By comparison, the rate climbed above six per This is one of the ﬁndings of a new BMO Household cent during the height of the latest recession, and reached Savings Report, which also revealed the diﬀerent almost 20 per cent in the early 1980s. investment vehicles people plan to use to reach their savings goals: Other highlights of the report: ›› The majority of Canadians use a Registered Retirement ›› Retirement savings and emergency savings tied for Savings Plan (RRSP) or a chequing account (63 per cent second (42 per cent) on the priority list and 57 per cent, respectively) ›› Nearly one-third are putting aside money for home ›› 49 per cent use a Tax Free Savings Account renovations, while 20 per cent will save for a new car ›› 29 per cent use a high-interest savings account ›› 19 per cent include education savings on the priority ›› Another 25 per cent put their savings in Guaranteed list, followed by buying a new home (15 per cent) Investment Certificates ›› Vacations and the purchase of luxury items, entertainment and hobbies topped the list, with 66 per cent of Canadians saving for these expenditures
save nearly $10,000 in 2013
BEAUTY OF YOUR VERY OWN & THE SPACE TO ENJOY IT L I V E
O P E N
W I T H
T O D AY.
A RT E SI A
OUR DETAILS MONDAY TO THURSDAY: 2PM—8PM WEEKENDS & HOLIDAYS: 12PM—5PM FRIDAY: CLOSED SINGLE FAMILY HOMES STARTING FROM THE MID $800’S VILLA HOMES STARTING FROM THE LOW $800’S
26 NEW HOME GUIDE | MARCH 1 - 29, 2013
Albi single family showhome at Artesia featured above
›› calgaryregionsouth 1A
CHESTERMERE 797 LANGDON
BLACK DIAMOND OKOTOKS
high river highwood lake
SHOWHOMES: 1901-1903 Riverside Dr. NW DEVELOPER: WestView Builders BUILDER: WestView Builders
BUILDERS: WestView Builders
SHOWHOMES: Montgomery Way SE 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
Black Diamond riverwood
SHOWHOMES: 725 and 821 3rd Street SW DEVELOPER: Riverwood Estates Inc. BUILDERS: Lifestyle Homes, Sheep River Homes, Woodmaster Homes
BUILDERS: Compass Rose Homes, Sheep River Homes
Heritage pointe the ranch at heritage pointe
DEVELOPER: Upper Lakes Group Inc. BUILDERS: Astoria Custom Homes
march 1 - 29, 2013 | New home Guide 27
Lemon Sorbet is a perfect colour to begin invigorating change for 2013,” says Sharon Grech, Benjamin Moore Colour Expert. “Colour has the power to evoke a mood and yellow, in its many variations, represents optimism and light for 2013. Crisp and clear Blue Ice is a perfect partner to Lemon Sorbet. These softer hues bring a high-fashion feel to the home.
what’s new We follow the trends and put together this handy guide of the latest and greatest products on the market and where to ﬁnd them.
Get this look!
by SILVANA LONGO 1 Lemon Sorbet, Blue Ice $35.99/3.79L MSRP for the Concepts line. Visit benjaminmoore.ca 2 Barrymore accent table, 26-in. H by 22-in. D. $349. Visit bombay.ca 3 Gretta chair in stone velvet, $2,580. Visit barrymorefurniture.com
3 CONTINUED ON PAGE 126…
28 NEW HOME GUIDE | MARCH 1 - 29, 2013
Introducing an Urban Classic, the marquee green plaid Egg Chair from the CasaZisi indoor furniture collection. Created specifically for furniture aficionados, this iconic mid-century replica is sure to be the focal point in any room. $885 including ottoman, available exclusively at DOT Furniture. VISIT DOT-FURNITURE.COM FOR A LOCATION NEAR YOU.
Get cooking with luxury brand known for high quality, Lagostina. These forged stainless steel blades have a full metal tang extending to the end of the handle. The ergonomic design provides comfort and safety. The set includes: paring knife, utility knife, six steak knives, Santoku knife, carving knife, chef knife, bread knife, sharpening steel and shears. The set comes nested in a chic black wood block and these knives are sure to give you an epicurean edge, $249.99. VISIT LAGOSTINA.COM
Clutter buildup in the kitchen spells trouble, yet the task of decluttering can cost you time and money. Custom gliding shelf solution for your cabinets is a way to add much needed storage space without breaking the bank. The glides are made from nineply Baltic Birch with melamine bottom for easy cleaning and the steel ball-baring rails can support up to 100 lbs. Prices range from $130 to $190. VISIT GLIDINGSHELF.CA FOR MORE INFORMATION.
As gold as it gets. Elegant flatware isnâ€™t just for special occasions. Thanks to a stainless steel core, this Rose Gold fi ve-piece set is sturdy enough to be used the rest of the year, too. Pair it with hand-painted plates for an eclectic twist on dining. Plated stainless steel in Rose Gold, set includes Salad Fork, Dinner Fork, Dinner Knife, Tablespoon, Teaspoon, $39. VISIT WESTELM.COM
MARCH 1 - 29, 2013 | NEW HOME GUIDE 29
WELLSPRING CALGARY LAUNCHES
2nd Annual Toupee for a Day fundraiser
Wellspring Calgary is a charitable organization that provides a comprehensive range of support, resources and programs for anyone living with cancer and the people who care about them. All programs and services are offered free of charge and without referral. On Jan. 30, the group launched the 2nd Annual Toupee for a Day, presented by Sabal Homes â€“ an event designed to raise funds and awareness for those suffering from cancer, as well as their families.
30 NEW HOME GUIDE | MARCH 1 - 29, 2013
The Wellspring Calgary “toupee” has been created using 10 diﬀerent colours of “hair.” About Wellspring Calgary
Wellspring Calgary was founded in March 2007 by John Stephure, Rita Egizii and Barbara Cunnings-Versaevel. The organization collaborates with, and is endorsed by, healthcare professionals in the supportive cancer care community. Wellspring Calgary also participates in research to measure and validate the benefits and value of the programs it provides. The Wellspring Calgary “toupee” has been created using 10 different colours of “hair.” This hair represents a variety of different coloured cancer ribbons from some of the most common cancers. The emotional journey faced by people diagnosed with cancer, is very similar regardless of the type of cancer. Wellspring Calgary supports all people affected by cancer. For more information, please visit wellspringcalgary.ca About Toupee for a Day
Toupee for a Day was conceptualized as a means of providing visible support to those living with cancer and those who love them. Participants don’t have to train, attend an event, grow or shave anything. Instead, they simply need to sign up, collect pledges
and proudly wear their toupee on March 6. Anyone of any age, in any location, can participate. This is a grassroots movement. It’s about friends telling friends and asking friends to support them taking a risk to look silly for a day to help people living with cancer. Because of the ease and fun of involvement, we see this event as gaining momentum and support across Canada within a few short years. In 2012, more than 1,200 people donned toupees and raised more than $100,000. One area of great success in 2012 was the engagement of children in the event. Kids seemed to really respond to having a fun and almost silly but tangible opportunity to help those they knew who were affected by cancer, plus having the support and involvement of all their school mates and school staff. The schools demonstrated that this is a truly inclusive event, reflecting the inclusive nature of Wellspring Calgary itself, which works with people living with all and any type of cancer. In our work with the schools, we discovered that cancer had touched almost all of the students in some way. For more information and pictures, please visit toupeeforaday.com MARCH 1 - 29, 2013 | NEW HOME GUIDE 31
WHY WILLIAMSTOWN IS ONE OF AIRDRIE’S BEST SELLING NEW COMMUNITIES...
60 Acre Backyard Enjoy one of Airdrie’s largest green space with ponds, parks and pathways out your back door.
AFFORDABLE URBANS OR FRONT GARAGE CLASSIC TOWNHOMES
OVER 80% SOLD Urbans from the mid * $
Classics from the high
200’s includes GST
A signature collection of 3, 4 and 5 bedroom front garage homes nestled around a pond and landscaped nature trails.
3 bedroom homes range from 1,300 to over 1,600 sq. ft. plus full unfinished basements for storage or future development.
Many homes feature bonus rooms, dens and laundry on bedroom level plus unfinished basements for storage or future development.
NEW SHOW HOMES NOW OPEN!
HIGHEST FINISHINGS IN THE AREA!
Starting from the low
Starting from the mid * $
300’s includes Lot & GST $
includes Lot & GST
12 Show Homes Open Mon – Thurs 2 – 8pm Weekends & Holidays 12 – 5pm
VestaWilliamstown.com Follow Us *Prices and availability subject to change without notice. E&OE.
Reunion Terrace Williamstown Close Williamstown Blvd Veterans Blvd (HWY 567)
8 St. NW
3 bedroom homes range from 1,100 to 1,560 sq. ft., some with master on main floor, fenced yards, and walk-out basements. Also enjoy exclusive access to Trails’ amenity centre.
A boutique collection of laned homes walking distance to a new school and green space.
8 St. NW
Townhomes offered in two unique styles; front garage Classics or affordable Urbans.
FRONT GARAGE SINGLE FAMILY HOMES
LANED SINGLE FAMILY HOMES
From HWY 2, exit west onto HWY 567 (Airdrie), west on Veterans to 8th St.
›› 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
NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.
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
MARCH 1 - 29, 2013 | NEW HOME GUIDE 33
The excitement of the city... and the tranquility of the suburbs. Beyond Expectations. Enjoy the parks, pathways and canals - the shore lapping at the bank of your backyard. Find your familyâ€™s perfect escape right now. Quality side by side, single family and estate style homes are ready for possession.
Home ownership with the luxury of waterside living.
GENESIS LAND IS A PROUD SPONSOR OF GENESIS PLACE
Home, Lot and GST from
PHASE 9 Coco Homes
Greig Forsyth 403.980.3720 cocohomes.com
Anni Jansson 403.980.3105 genesisbuildersgroup.com
Kellee Davis 403.975.0816 mckeehomes.com
8 Street SW SW Airdrie
Yankee Valley Blvd West
SINGLE FAMILY HOMES
SIDE BY SIDE SINGLE FAMILY HOMES
Anni Jansson 403.980.3105 genesisbuildersgroup.com
Kevin D’Costa 403.980.1140 sovereignhomes.ca
13-02-19 3:04 PM
Hellen Buttigieg, CPO, is a Certiﬁed Professional Organizer, life coach, TV host and owner of We Organize U. Visit her website, weorganizeu.com, for a free e-Book on how to ﬁnd more time, energy and inner peace. Contact Hellen at 905.829.2219 or email@example.com
Organizing myths THAT CAN KEEP YOU STUCK by HELLEN BUTTIGIEG
mistakes. When working on important tasks, multi-tasking is probably not a good idea. Some things require your undivided attention. Multi-tasking distracts us from being in the present moment, which can drain our energy and leave us feeling exhausted and unfulfi lled. Next time you are participating in an activity, be with that activity (rather than thinking about all the things you should be doing instead, or have to do later). Resist the habit of trying to do two things at once. 3 | BEING MESSY AUTOMATICALLY MEANS YOU ARE DISORGANIZED. FALSE. Organizing is not about how it looks; it’s
IT’S TIME TO DISPEL SOME ORGANIZING MYTHS
that may be keeping you stuck and getting in your way of a more organized life. I’ve focused on the five most common beliefs about organizing, so you can get clear on what works and what doesn’t. Once we bust the myths, you’ll be on your way to organizing yourself like a pro. 1 | CONTAINERS WILL ALWAYS GET YOU ORGANIZED. FALSE.
about how it works. Visual, creative types need to have things out where they can see them, because for them out-of-sight is out-of-mind. This may cause their spaces to appear disorganized to others, but they probably know exactly where everything is. The flipside of this is that visual types lose focus when there is too much to look at, so they need to find products that will allow them to contain their stuff to keep down the visual clutter. For example, a literature sorter allows them to contain their papers while still keeping them within view.
Contrary to what the ads want you to believe, containers alone are not the answer to your organizing dilemmas. They can even become part of the problem. Take Nancy, for example. She purchased several large plastic contain- 4 | YOU HAVE TO TOSS EVERYTHING TO GET ORGANIZED. ers to organize her craft supplies and memorabilia. But FALSE. I often hear people say, “There’s no way I could get she still couldn’t find what she was looking for when organized because I am too sentimental – I don’t want to needed. She mistakenly thought all she needed to get get rid of everything.” Although you shouldn’t keep things herself organized was a few containers; what she really you don’t like or will never use, there’s always a way to needed was to learn a bit about organizing. either display or store the things that matter. For example, Before you go out and spend money on containers or shadow boxes or display cases allow you to protect as well other organizing products, do some preliminary work and as showcase the possessions that truly mean something planning. The first thing I recommend is purging. Only special to you. when you know exactly what it is you need to store, how much of it, and where the most suitable location is to 5 | IF YOU WRITE IT ON A TO-DO LIST, IT WILL GET DONE. store it, should you go out and purchase containers. And FALSE. I had a client who was so proud of her to-do list: it don’t forget to measure first. Bringing home the wrong was prioritized, colour-coded and categorized – yet she containers for the job simply creates more clutter. was frustrated and overwhelmed at how many things on the list were not getting done. To get anything accom2 | MULTI-TASKING IS ALWAYS PRODUCTIVE. FALSE. Although plished you have to actually schedule time to do the things useful in some situations, multi-tasking can cause you to on your list. Simply putting a task on a list is not a comlose your focus and make costly and time-consuming mitment – blocking time on your calendar to do it is. 36 NEW HOME GUIDE | MARCH 1 - 29, 2013
How to find a home?
Pay attention to location, information and timing
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
by WAYNE KARL
DESPITE WHAT YOU OFTEN HEAR, BUYING A HOME ISN’T ONLY
about location, location, location. True, this is the time-tested first rule of real estate, but there are other determining factors you must consider as part of your selection process. Indeed, there’s a new rule of thumb for buying real estate. Location First, what does that old adage really mean? Of course, we’d all love a highend home in the best neighbourhood. But that’s not always possible. For your own enjoyment while you live in your home as well as for future resale potential, proximity to transportation, shopping, schools and other amenities is among the key determinants that affect your property’s appeal and ultimately its value. After all, those are the qualities potential buyers look for when searching for a home; the more of them your home has when you go to sell, the more desirable it will be to a greater number of people. This equates to demand – multiple offers and a higher price. Information Whether you’re a first-time homeowner, “buying up” to accommodate a growing family or “right-sizing” as an empty nester, education is critical. And these days, with digital media and mobile technology, all the information you need is at your fingertips. From the content here in this magazine, to the resources available to you at Canada Mortgage and Housing Corp. (CMHC), to the local market expertise of new-home sales staff and realtors, the more knowledge you have, the better equipped you are to make informed decisions about buying, maintaining and eventually selling your home. 38 NEW HOME GUIDE | MARCH 1 - 29, 2013
Timing Though your home is your primary residence, it is also an investment. Where you buy is usually determined largely by where you want to live, work and play. But when you buy and sell is also important. Like any financial instrument, real estate can fluctuate in value and your timing can determine how good of an investment it is. Given today’s challenging economic climate, there’s no shortage of media reports on the ups, downs, crashes and surges of the housing market. But if you’ve done your research, you won’t be spooked – or excited – by big-picture reports on short-term market performance. You know that real estate is not national or even regional – it’s very specific. You don’t buy the Canadian market and you don’t buy a provincial or even regional market. You buy a specific home, on a specific street in a specific neighbourhood. So, it’s not just about “location, location, location.” The new adage is “location, information and timing.” Do well with all three, and over the long haul your home is going to be one of the best lifestyle and investment decisions you ever made.
YANKEE VALLEY BLVD. 8TH ST. SW
COUNTRY HILLS BLVD. NE
landscape options by BRAD JACKMAN
LANDSCAPE 360 WOULD LIKE TO HIGHLIGHT TWO OF THE MOST EXCITING
parts of your landscape plan â€“ retaining walls and patios. There are many options, and it is beneficial to do your research when fi nalizing your landscape choices. Retaining walls create boundaries, provide function and most importantly support earth. Quality of construction and durability are extremely important. Walls can be the most important part of your landscape. Walls could be described as the main structure or hardscape of your property. They can be creatively incorporated in many ways. Garden beds, steps, boulders, trees, shrubs and lighting can all become part of your retaining walls. Drainage, grade, structure and function must be considered at every level. Stack stones are more cost effective than natural stone, and come in a wide variety of colors, textures, and sizes. They can follow curves and circles or be very linear and straight. This product allows for a very defi ned and balanced look. With a manmade concrete product you are able to build these walls perfectly level. Retaining walls are great for many applications Landscape 360. Professional Landscape Construction. 40 NEW HOME GUIDE | MARCH 1 - 29, 2013
and are an excellent option to your landscaping problems. With a variety of high quality products and many different design concepts, a patio can be customized to complement any space. Natural Stone is the highest quality material to use for a patio and can provide the look of a flush outdoor floor. Paving stones are also an option, and can be creatively incorporated into your yard. Paving stones are more cost effective than natural stone and there are many options of colors, textures and sizes. Concrete is a product which is extremely functional, low maintenance and is very cost effective. Concrete can be done with a brushed, exposed or stamped fi nish. All types of patios can follow curves and patterns or be very linear and simple. That awkward unusable space can be transformed into a patio providing your living space with function, intimacy and comfort. When built properly, a patio is a great creative landscape solution. Landscape 360 is focused on providing clients with professional landscape construction from design to completion. With experience, creativity, hard work and dedication, we will exceed your expectations. The service and product we provide will withstand the toughest elements, while giving your home a personality. With a commitment to quality, Landscape 360 is driven to establish strong relationships with each client. Please contact our office if you are interested in a professional landscape consultation. 403.452.0360 | landscape360.ca |
like us on facebook MARCH 1 - 29, 2013 | NEW HOME GUIDE 41
›› 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, Homes by Avi 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
MARCH 1 - 29, 2013 | NEW HOME GUIDE 43
premier residence - within reach
44 NEW HOME GUIDE | MARCH 1 - 29, 2013
Welcome, to the SUmmIt
march 1 - 29, 2013 | New home Guide 45
[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. 02/2013. E&OE.
Brookfield Residential celebrates 2013 Top Employer Award
Land developer and home builder recognized once again ering nutritious snacks and having proud to be recognized once again fitness instructors on site, profesas one of Canada’s Best 50 Small and sional development is also a key priorMedium Employers for 2013. Excep- ity for Brookfield Residential. The tionally strong employee engagement company offers an internship leaderis one of the key reasons it was ship development program to employnamed on this prestigious list, which ees at all levels and runs a one-on-one is produced by AonHewitt and the mentoring program that pairs senior Queen’s School of Business for Busi- management with employees across ness Venturing. the organization. “We are very honoured and Brookfield Residential was named humbled by this recognition,” says one of Canada’s Best 50 Small and Alan Norris, president and chief ex- Medium Employers in 2011 and is ecutive officer of Brookfield Residen- ranked sixth among the Alberta comtial. “Our culture, which encourages panies recognized on the list this time. transparency and openness in all The Best Small and Medium Employaspects of the operation, is a key com- ers in Canada ranks participating ponent to our success. All of our em- companies by their employee-engageployees are empowered, responsible ment scores and other factors, as and accountable for their actions, measured by surveys of each firm’s which make Brookfield one of the employees, HR team and executives. best places to work.” In addition to focusing on em- More information on the study is ployees’ health and wellness by deliv- available at bsmestudycanada.com Brookfield Residential is
48 New home Guide | march 1 - 29, 2013
“Our culture, which encourages transparency and openness in all aspects of the operation, is a key component to our success. All of our employees are empowered, responsible and accountable for their actions, which make Brookfield one of the best places to work.”
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 low $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 low $300,000s Brookfield Single Family Homes from the $350,000s Innovations by Jayman Single Family Homes from the low $400,000s Baywest | Cardel | Cedarglen | Jayman Estate Homes from the low $600,000s Albi | Morrison
Showhomes open Monday to Thursday 2pm – 8pm, weekends & holidays 12pm – 5pm. New estate showhomes now open! LiveBrookﬁeld
@live_brookﬁeld march 1 - 29, 2013 | New home Guide 49
Reveal the untapped potential of the
home office by jo alcorn photography by Robert Carter
As much as we all want a stunning office of
tranquility and efficiency, the budget is never as big as we desire. Yet, even with champagne taste on a beer budget, there are clever design directions that anyone can follow to accomplish that high-end look for less. The flexibility to work from home has increased tenfold in the past few years but that often means more and more people can be found with their office space either mixed into their living room, bedroom, basement or a spare room. c o n t i n u e d o n pa g e 5 4 . . . 50 New home Guide | march 1 - 29, 2013
FIND YOUR PLACE IN SOUTH CALGARY’S NEW ESTABLISHED COMMUNITY
Discover old-world charm in Calgary’s northwest.
144 AVENUE NW
BEACON HILL SHOPPING
LL S COUNT R Y HI
nolanhillunited.com BE DD I
TR ON GT
Visit Nolan Hill’s 12 showhomes via Sarcee Trail at Beacon Hills Shopping Centre.
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 52
from the $320s
FRONT ATTACHED GARAGE HOMES
from the $400s to the $800s
NEY TRAIL TO
HILLS BLVD. BE
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, Homes by Avi
02 ROYAL OAK 05 NOLAN HILL:Showhomes now open Showhomes: Hidden Creek Blvd. NW
DEVELOPER:Developer: Birchwood Properties DEVELOPER: United Communities Cedarglen Homes | Cardel Homes esis Land Development Corp. | BUILDERS: Birchwood Properties BUILDERS: Homes by Avi, Morrison x Developments Builders: Genstar Homes, Shane Homes, Sterling on Homes | Majestic Homes | 03 EVANSTON Homes, Today’s Homes, Trico Homes, 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
DT RA IL
NOSE HILL PARK
07 TUSCANY HILLSIDE ESTATES
TR SH AG ANNAPI
Y TRAI L
AVE NU E
SA RC EE
EE SAR C
Y NTR COU
12 COULEE MILE ROAD
ROCKY RIDGE ROAD
5 Kinkora Glen Rd. NW
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.
Creations by Shane Homes, www.nolanhillunited.com
06 BEACON HEIGHTS
SHOWHOMES: Sherwood Crescent NW DEVELOPER: Intergulf Cidex BUILDER: Trico Homes, Intergulf Cidex
DEVELOPER: Macdonald Development Corporation BUILDERS: Astoria Homes; Albi Homes, Trickle Creek Homes, 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
DEVELOPER: Melcor BUILDERS: Shane Homes, Homes by Avi, Genesis Builders Group
MARCH 1 - 29, 2013 | NEW HOME GUIDE 53
It is important to remember that the space you work in should be one of motivation and inspiration. We spend a lot of time in these areas, so it should be a space we love and want to come into. When I first saw my client’s office, I immediately felt tired, bored and uninspired to even want to enter the room. My client’s office space was a great size, however, you would never know it with the layout she had, the mis-proportioned furniture in it and the dark walls closing in on the space. A great office was hidden from its true potential, as many are when the desk is pushed up against the wall or a window. In this redesign, we had the freedom to truly open up the floor layout by moving the desk to the middle of the room, which created great wall space behind for storage, a sitting area in the corner and an inspirational wall to brighten up the room. By reconfiguring the space, it instantly became more inviting, exciting and overall more efficient. Paint goes a long way and just by updating the dark room with light, trendy and cheerful colours, the room immediately transformed into a space of inspiration. I used Para Paints trend colours on the walls, and I also work with Para and created my own paint colour called JoJo. It is the brightest of whites and goes on thick and luxurious. Bringing a light colour into a dark room always creates the illusion of more space. Due to a tight budget, painting a fun pattern on the wall was less expensive than wallpaper and we achieved the same look. I had Jim Connelly, the painter from the Debbie Travis show, come in to create an amazing zig-zag accent wall that sets off the entire office making the space motivating to enter. Accent lighting and accessories were added from Bouclair Home (bouclair.com) to create a great ambiance to work in and much needed
It is important to remember that the space you work in should be one of motivation and inspiration. We spend a lot of time in these areas so it should be a space we love and want to come into. storage pieces. The perfect desk and chair were sourced from a Canadian gem called Harkel (all pieces are made and manufactured in Canada!) – harkeloffice.com. On the one wall we added inspirational quotes to budget-friendly frames hung on picture racks and the wall, the nice part of this DIY project is the quotes can be changed to keep up with the growing mind of your child or you can use them to showcase your children’s art masterpieces. My client spends many hours in her office and I wanted to create a room that was fresh in colour, had sophisticated storage and an efficient workspace that illustrated her true professional personality. c o n t i n u e d o n pa g e 6 4 . . .
54 New home Guide | march 1 - 29, 2013
GOOD THINGS COME TO THOSE WHO DONâ€™T WAIT Youâ€™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.
Watermark at Bearspaw gaining national recognition by Heather Ryan
fabulous estate home community, which has made award for the best community in Canada, so it’s very excitits mark in Calgary by drawing hundreds of people ing to be nominated,” says Matthew Jones, associate viceto its Street of Distinction each week, now has a president of sales and marketing. “With so many fantastic national distinction it can be proud of. communities being built across this great country, having Crafted by Macdonald Development Corp., Watermark Watermark recognized as one of the best is truly a remarkat Bearspaw has been nominated as a finalist for the Ca- able achievement. nadian Home Builders’ Association’s 2012 National SAM “We’re also thrilled that Albi Homes, one of five builders Award for Community Development. in Watermark, is a finalist for the Grand SAM award,” Jones The Community Development Award recognizes a says, adding that the award recognizes the new-home builder single community in Canada that has best achieved the which demonstrates the highest level of excellence in buildcreation of an attractive, exciting, innovative and environ- ing and marketing. “So we potentially could have the best mentally responsible community. The winner will be an- builder in Canada building homes in the best community nounced on March 8. in Canada. How does it get any better than that?” “It’s an incredible honour to be a finalist for the ComLocated just west of Calgary, Watermark at Bearspaw munity Development Award because it’s essentially an presents a group of four spectacular showhomes on its
56 New home Guide | march 1 - 29, 2013
Street of Distinction by Astoria Custom Homes, Homes By Us, Trickle Creek Custom Homes and Wolf Custom Homes, which are garnering an overwhelming response from visitors. “People are just blown away by the showhomes, which showcase what each builder can do,” Jones says, who adds the Homes By Us showhome was so well received it sold for $3.5 million just days after opening its doors. Among the exceptional showhomes are: a 3,788-sq.-ft. two-storey by Astoria Custom Homes featuring a twostorey foyer that leads to a sunken great room with soaring ceilings; a 7,143-sq.-ft. walkout bungalow by Homes By Us that is designed to impress with four bedrooms, eight bathrooms and a five-car garage; a more than 5,000-sq.-ft. home by Trickle Creek Custom Homes featuring three fully developed levels including the walkout basement and two separate garages; and an 8,600-sq.-ft. two-storey with a walkout basement crafted by Wolf Custom Homes. Albi Homes will be opening a new showhome later this year. Jones notes that even though the showhomes are priced at $1.9 million and over, people can buy into Watermark starting at $1 million and can now enjoy selecting from quick possession homes. “Our builders are currently crafting homes that are available for immediate occupancy and the sales to date have been quite successful,” he says. “So, people now have the opportunity to move into Watermark right away rather than having to wait six to eight months for their home to be built.” Watermark at Bearspaw is being developed on 287 acres and it’s become so popular with buyers that Macdonald has recently released lots in Phase 2. Jones says lots in Phase 2 offer a great selection, including mountain views and walkouts backing on Watermark’s gorgeous water feature – a network of cascading ponds and streams that is wowing buyers and visitors alike. Lots in the community range from one-quarter of an acre to more than three-quarters of an acre, with frontages from 80 to 150 ft. The community also features a central plaza, featuring a large pavilion, NBA-sized sports court, grass sports field and three playgrounds, more than five kilometres of paved trails and 46 acres of parkland. It’s also minutes from Glenbow Ranch Provincial Park, within walking distance to the Lynx Ridge Golf Course, and the Bearspaw Golf & Country Club is a short drive away. Watermark at Bearspaw is conveniently located at 12 Mile Coulee Rd., just minutes from a wide range of shops, services and restaurants at Crowfoot centre, the Crowfoot LRT and Crowfoot and Stoney Trails for ease of getting downtown and to the airport. For more information, visit the showhomes, open 2 to 8 p.m. Monday to Thursday, noon to 5 p.m. weekends, visit watermarkatbearspaw.com or call 403.239.9735. march 1 - 29, 2013 | New home Guide 57
›› 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
58 New home Guide | march 1 - 29, 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.)
60 NEW HOME GUIDE | MARCH 1 - 29, 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 VARiABLe
Bank of montreal
Bank of nova scotia
canadian western Bank
canadian western trust
first calgary financial
IcIcI Bank canada
Investors Group trust
PACE Savings & Credit Un
Peace Hills trust
President’s choice fin’l
royal Bank of canada
HsBc Bank canada Home trust company
servus credit union t-d mortgage your neighbourhood c.u.
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 FeBRuARY 4, 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.
MARCH 1 - 29, 2013 | NEW HOME GUIDE 61
›› COCHRANECOMMUNITIES RA
L DR . NHIL
02 JUMPING POUND RIDGE
SHOWHOMES: Jumping Pound Terrace www.jumpingpoundridge.com BUILDERS: WestView Builders, Baywest Homes, Kingsmith Homes
03 SUNSET RIDGE
SHOWHOMES: Ridge View Green Sunset Way DEVELOPER: Melcor BUILDERS: Jayman MasterBUILT, Innovations by Jayman, Janssen, Calbridge, Excel Homes coming soon, Homes by Avi coming soon 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
SHOWHOMES: Heritage Green DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Trico Homes,
01 HERITAGE HILLS
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
RIVER HEIGHTS DR.
05 MONTERRA ON COCHRANE LAKE
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
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
MARCH 1 - 29, 2013 | NEW HOME GUIDE 63
RANGE RD 40
HORSE CREEK RD.
I then tied it all together with fun, budget-friendly textures and accessories, which are needed to achieve a clever and interesting home office to work in. We saved money in certain design areas and made sure to splurge on the high-traffic pieces (such as the office desk and chair), which is important to keep in mind. Think of your home office as an extension of your home, and use those same design principles you used throughout the dĂŠcor. For example, the importance of accent lighting, the warmth of textures, the completeness of accessories, the joy of colour and the most important part, the functionality of your furniture pieces. Keep in mind your home office should be an important part of your home since it is the room you make a living in.
Jo Alcorn, graduated with a BA from a Liberal Arts School in New York City. She went on to study colour and architecture while attending Londonâ€™s City University. She is in the process of filming her own show on HGTV, she has been the design expert on the Steven & Chris show, Breakfast Television, Discovery Channel, City TV and more.washco.ca 64 New home Guide | march 1 - 29, 2013
� Y. �
Y. � A
HORSE CREEK RD.
CALGARY MITFORD PARK
With interest rates again hitting historical lows, it might also be a good time to consolidate any higher interest rate debt into a single, more manageable monthly payment. lower rates will save you a significant amount in interest over the course of your new term. With interest rates again hitting historical lows, it might also be a good time to consolidate any higher interest rate debt into a single, more manageable monthly payment. At time of writing, the five-year fi xed rate mortgage with most institutions was 2.99 per cent, and variable rate mortgages, which are based on the financial institution’s Prime lending rate (currently at three per cent) and then by JASON ELDRIDGE discounted, are as low as 2.60 per cent. If you have either 20 per cent of the purchase price for a down payment or WITH HOME PRICES REMAINING 20 per cent equity in your home, you can still get amortizastable (at least for the moment) and financial tions up to 35 years, which of course helps to keep your institutions continuing to lower interest rates, payment as low as possible, should this be a requirement. this may be a great opportunity to enter into Under the new legislation regarding mortgages, most the real estate market. Whether you are financial institutions are still required to approve mortgage looking to purchase your first home, upgrade financing based on clients having access either to their to your next property or diversifying your own savings or a gift from an immediate family member investment portfolio with a revenue prop- to form a down payment of five per cent of the purchase erty, the stars might just be aligned. One price. However, I still have access to lenders that will project that may be appealing to all inter- provide a “free down payment” of five per cent of the ested parties are the condominiums located purchase price. at the Landing At Rocky Ridge, which are As always, I welcome any questions or comments you developed by The Swan Goup. may have regarding the information contained in my arOn the other hand, if your existing ticles. Until next month… mortgage rate is at least one per cent higher than what is currently available on the market, this is the time to sit down and JASON ELDRIDGE P.F.P, B.Admin Mortgage Specialist, examine the potential savings through Axiom Mortgage Solutions (formerly Unisource Mortgage) restructuring your home loan. Refinancing CELL 403.630.1718 FAX 866.708.5807 your mortgage to take advantage of the EMAIL email@example.com WEB/APPLY ONLINE jason.axiommortgage.ca
RATES ARE ON THE MOVE...
66 NEW HOME GUIDE | MARCH 1 - 29, 2013
067-Jayman-Innovations 03-01-13.indd 67
2/21/13 10:27:55 AM
West Grove Estates is nestled in Calgaryâ€™s most sought
after west end locations. This gorgeous new estate community offers residents countless amenities in which to live life to the fullest. West Grove features two expansive natural greenspaces, a playground, and access to a pathway system perfect for enjoying an energetic run or a leisurely walk through this stunning community.
Visit us in
West Grove today!
Showhome Located at
203 West Grove Rise S.W.
068-Prominent 03-01-13.indd 68
call: Angelo Gentilli | 403.457.5281 email: firstname.lastname@example.org
2/21/13 10:28:00 AM
A Wall2Wall Publication