Eastern Ontario New Home & Condo Guide - Sept 20, 2014

Sept 20 - October 4, 2014 Volume 14 Issue 17

Eastern Ontario Edition

Your Best Source for New Homes and Condos

NEW DESIGNS AND NEW SALES CENTRE AT

Avalon Encore

INSIDE THIS ISSUE

RATE ANNOUNCEMENTS: WHY YOU SHOULD PAY ATTENTION

MAKING SURE YOUR HOME IS BUILT LEGALLY

UNDERSTANDING THE BASICS OF CONDO OWNERSHIP

Townhomes from the mid $200s Single Family Homes from the mid $300s

first day.

September comes with all the excitement of your first day in a new class. That’s the kind of tradition Monarch has been at the heart of since 1917. For thousands and thousands of Canadians, choosing Monarch has been central to so many important events in their lives. First homes, first memories, first accomplishments, first friends and even first loves. For almost a century, Monarch has brought people closer together. So trust the oldest, strongest and most respected name in Canadian homebuilding.

Choose Monarch. First.

MORE FAMILIES CHOOSE MONARCH. first.

NEPEAN | Stonebridge | Final Release of Homes Townhomes from the upper $200,000’s Singles from the mid $400,000’s Sales Centre 610 Kilbirnie Drive (Kilbirnie Drive & Dundonald Drive) 613-692-9284

KANATA | Blackstone | Model Home Grand Opening Townhomes from the upper $200,000’s 32’ Singles from the upper $300,000’s 46’ Singles from the mid $400,000’s Sales Centre 110 Westphalian Avenue 613-831-2619

NEPEAN | Longfields | Only $5,000** Down on Select Homes Urban & Courtyard townhomes from the low $300,000’s Semi-detached from the upper $300,000’s Sales Centre 280 Longfields Drive (Longfields Drive and Beatrice Drive) 613-569-5313

TOUR BEAUTIFUL MODELS AT ALL OUR COMMUNITIES

HOURS: Monday – Thursday: 1pm – 8pm, Friday, Weekends & Holidays: 12pm – 5pm

discover more

MonarchGroup.net

first.

Other promotional offers do not apply with this promotion. Prices and specifications subject to change without notice. **Restrictions apply, please see a sales associate for additional details. E. & O.E. September 2014. 12755.

In A Mattamy Community You Get A Lot More Home For A Lot Less.

Great Included Features And Incentives Available In All Our Master-Planned Communities Across Kanata and Barrhaven.

BARRHAVEN

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Sales Centre: 3454 Greenbank Rd., ON, K2J 4H7 613.825.7932

Townhomes From $229,990 Detached Homes From $324,990

KANATA

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Sales Centre: 7 Summitview Dr., ON, K2M 2V9 613.271.0636

Townhomes From $229,990 Detached Homes From $324,990

KANATA

A New Townhome Model Home Now Open!

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Sales Centre: 1776 Maple Grove Rd., ON, K2V 1B8 613.831.9369

Townhomes From $259,990 Detached Homes From $324,990

Sales Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm

mattamyhomes.com

Primrose Model Home In Monahan Landing BARRHAVEN

Lot 76: 30' Home, The Marigold Corner, Elev. ‘A’, 1,710 Sq.Ft., $359,990

Includes: $10,000 at Décor, 9' Main Floor Ceilings, Granite Countertops In Kitchen, Rec. Room Ready, Gas Fireplace, Bath Oasis & Laundry/Linen Closet.

Closing Date: April 21st, 2015

Lot 64: 43' Home, The Westlynn, Elev. ‘B’, 2,907 Sq.Ft., $489,990 Includes: $15,000 at Décor, Granite Countertops In Kitchen, Waffle Ceiling & Rec. Room Ready.

Closing Date: May 5th, 2015

KANATA

Elev. ‘A2’

Lot 231-2: Village Home, The Appleby, Elev. ‘A2’, 1,100 Sq.Ft., $229,990

Includes: $5,000 At Décor, 3 Stainless Steel Appliances & Granite Countertops In Kitchen.

Closing Date: April 9th, 2015

Lot 33: 30' Home, The Wildflower, Elev. ‘A’, 1,924 Sq.Ft., $359,990

Includes: $5,000 At Décor, Granite Countertops In Kitchen, Hardwood Floors In Lieu Of Carpet On Main, Gas Fireplace, Bath Oasis & Rec.Room Ready.

Closing Date: April 9th, 2015

KANATA Elev. ‘A’

Elev. ‘A’

Lot 1-1: WideLot™ Townhome, The Maplefield Lot 12-3: Urban Townhome, The Rockcliffe, End, Elev. ‘A’, 1,655 Sq.Ft., $289,990 Elev. ‘A’, 1,937 Sq.Ft., $289,990 Includes: $10,000 at Décor, 3 Stainless Steel Appliances, Granite Countertops In Kitchen, Gas Fireplace & Rec. Room Ready.

Closing Date: April 2nd, 2015

Includes: $10,000 At Décor, 3 Stainless Steel Appliances, Granite Counter Tops In Kitchen & Bath Oasis.

Closing Date: May 14th, 2015

Follow us:

All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

UNIQUE, ARCHITECT-DESIGNED HOMES

CLASSIC, TIMELESS, WITH A TOUCH OF MODERN

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1 LOT REMAINING

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ONLY 2 UNITS LEFT

All over Ottawa there’s a Cardel to call home.

Singles and towns in Barrhaven

Singles and towns in Kanata South

Singles and towns in Kanata

Singles in Carleton Place

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Visit us online for community details, interactive floorplans and much more.

SINGLE FAMILY

CONDOS + TOWNS

CUSTOM HOMES

Built for real life.

CARDELHOMES.COM

GRAND OPENING! Visit our new sales office and see the launch of our new ASPIrE TOWNHOME collection!

Starting from the low

$280,000s .

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Singles, Bungalows & Townhomes

Condominium Flats

376 ANTIGONISH AVE.

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RivERSidE SOUTH

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Singles, Bungalows & Townhomes

Singles, Bungalows & Townhomes

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ClaridgeHomes.com Prices and specifications are subject to change without notice. E.&O.E.

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//EDITOR’S NOTE

New home experience Make wise choices and enjoy the process

SUSAN LEGGE

EDITOR-IN-CHIEF Wall2Wall Media Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on Facebook. Search: New Home Guide

When only a new home will do, those in the market will be pleasantly surprised by the exceptional value and attention to detail a new home offers.

When you buy new, you don’t inherit somebody else’s worn carpeting, personal taste in kitchen appliances or paint colour preferences. You get a fresh, clean space that’s waiting for your personal imprint.

If you’ve always fantasized about buying a brand new home, here are a few tips that can help you make the process a pleasant one: ›› Shop the mortgage market to see what you can afford before you start your hunt; ›› Obtain a lawyer who is willing to review your offer and close the deal;

›› Don’t be persuaded by high pressure sales tactics while you’re out shopping; ›› Determine which options and upgrades you want as part of your offer and ensure your lender will finance what’s required, if needed; ›› To save money, consider which upgrades you could purchase and install yourself after the sale closes.

Some upgrades such as rough-ins and wiring inside the walls are easier to do before construction.

Factors such as the cost of the home, neighbourhood, lot size and special features play a big role in your final decision. Determining which features your new house absolutely must have, and which features you could live without, should be among your first steps in the home-buying process.

We hope you enjoy this issue of New Home Guide. Let us know what you think! We’d love to hear from you.\.

Finding the right home for you Knowing what to look for – and where – are crucial parts of your new-home search

O WAYNE KARL

EDITOR Wall2Wall Media Wayne.Karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl Like us on Facebook. Search: New Home Guide

nce you’ve decided to buy a new home, the excitement begins to build immediately.

Where to buy? What type of home? Is now the right time?

The answers to such questions will vary from person to person, depending on individual circumstances and needs. Choosing the type of home you can afford, and what finishes and design features you want, might be the easiest part of the process. A little more challenging, but nonetheless equally important, are matters such as finding a community in proximity to amenities such as shopping and schools, commuting times and transit

14 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 6 - 20, 2014

options, and if your new home will still be suitable in three, five or 10 years.

As for the timing of your purchase, it’s natural to wonder whether now is the best time, given all the discussion about market conditions. But if your employment and finances are secure, you’re best served looking at the long term – say seven years. Where are new-home prices likely to be then?

Higher or lower? And if you missed out on building equity by delaying your purchase, would you be better off?

In this issue of New Home Guide, like we do in every edition, we have a variety of content designed to help you determine your own answers to these questions.

contents

SEPT 20 - OCT 4, 2014 || VOLUME 14 ISSUE 17

COVER

p. 28 MINTO

Coming this fall – new designs and sales centre at Minto’s Avalon Encore

PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill

DIRECTOR OF SALES, NATIONAL

Josh Heppner

SALES MANAGER, EASTERN ONTARIO

Paul Bimm

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge

CONDO INSERT | C01-C24

ART DIRECTOR

Tammy Leung

SPOTLIGHT ON CONDOS: Your guide to new condo

EDITOR

communities in the Gatineau and Greater Ottawa Area

regular features 14 Editor’s Note C08 In the News

Bank of Canada maintains target overnight rate at one per cent

C16 Mortgage Advice

CONTRIBUTING EDITORS

Sara Duck, Elisa Krovblit, Lydia McNutt

31 32

Why you should pay attention to Bank of Canada’s announcements

by Alyssa Richard

C18 Make Your Move

When moving, everyone wins when they play by the rules

by Chuck Resnick

by Wayne Karl

C22 Home Smarts

Understanding the basics of condo ownership

by Marnie Bennett

24

The Scoop Decor and reno news, inspiration, style and more

by Sara Duck

Tarion Report Make sure your new home isn’t built illegally

34 38

Nash Kamaludin

MANAGER OF PRODUCTION

Bala Gnanapandithan

Home Sweet Home Buyer’s remorse: how to avoid ‘what if’ and ‘I wish I never’

Dennis Ng

PRODUCTION CO-ORDINATOR GRAPHIC DESIGNERS

Mike Terentiev

Published By

In the News

Younger homebuyers don’t want to max out on their mortgage

Hot Sheets

Two pages of community previews and openings

community focus features C06 DOMICILE 28

SALES CO-ORDINATOR, EASTERN ONTARIO

by Howard Bogach

by Lydia McNutt

C20 Fundamentally Speaking

Homeownership affordability improves slightly

Wayne Karl

Experience the luxury at Créme Condominiums in Orleans MINTO

Coming this fall – new designs and sales centre at Minto’s Avalon Encore

newhomeandcondoguide.com 1 Raymond St., Ste. 300 Ottawa, Ontario K1R 1A2 Phone: 613.729.1221 Published Saturdays, 2014 Publishing Schedule: Bi-weekly Jan.-June and Aug.-Nov. Monthly: July & Dec. 1

CIRCULATION: Free distribution in street boxes, stores, banks and financial institutions.

TERMS: Advertisers, editorial content and New Home & Condo Guide 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 address shown. The views and data expressed by columnists do not necessarily represent those of the publication.

COPYRIGHT 2014: All rights reserved by New Home & Condo Guide, Toronto, Ontario. 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.

Please recycle this magazine! Wall2Wall Media participates in the Partners In Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over two million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

COMMUNITIES

RENTALS

COMMERCIAL

RETREAT

FINANCE

HERITAGE HILLS CONDOMINIUMS STARTING AT

168,275

$

*

FIXED RATE

% 2.89 EXCLUSIVE YEAR-END OFFERS

*

5 YEARS

CONTEST : VISIT & WIN up to $15,000 for your down payment.

QUICK OCCUPANCY REBATES from $7,500 to $20,000.

BRIGIL FINANCING 100 % fin.

OVER 32 COMMUNITIES IN THE NATIONAL CAPITAL REGION

PETRIE’S LANDING 2 bdr. condos from $ 181,800 8865 NORTH SERVICE RD.

613.824.4079

DOMAINE DU VIEUX-PORT

2 bdr. condos from $252,800 1400 BOUL. ST-JOSEPH

819.777.4663

Since 1985

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121 PARKDALE 819.661.4409

2 bdr. condos from $198,800 CORNER OF AYLMER & AUGUSTA

819.246.4663

*

LOREKA COURT

*

Towns from $ 268,447 * Singles from $ 353,190

121 PARKDALE AVE.

CHÂTEAU GOLF *

CARLETON CROSSING

*

Singles from $ 440 897 158 LOREKA COURT

128 MCGREGOR RD.

613.831.0126

613.257.4079

PLATEAU SYMMES

PLATEAU DU PARC

JARDINS McCONNELL

217 RUE DES SCOUTS

CORNER OF PINK & DES GRIVES

CORNER OF ARTHUR-GRAVELINE & VANIER

*

Semi's from $284,060 * Singles from $325,367

1 bdr. condos from $138,269 * Singles from $299,900

819.682.4663

BRIGIL.com * PRICES / RATE SUBJECT TO CHANGE WITHOUT NOTICE.

819.776.4663

*

*

Towns from $260,781

819.669.4663

“ Proud to build a better quality of life” # RBQ� : 8007-6490-04

The Meadowbrook Model Home

SPECIAL OFFER!

IN DECOR DOLLARS*

IT’S THE SEASON TO

FALL IN LOVE

“We love all the space and the attainable price�

INTRODUCING THE LEGACY SERIES

LARGE FAMILY-SIZED SINGLES ON PREMIUM & PIE-SHAPE LOTS STARTING FROM $499,990 LEGACY SERIES INCLUDES: • 2 CAR GARAGES & LARGE LIVING SPACES • HARDWOOD FLOORS ON MAIN LEVEL

Tour our 6 New Models Homes

• FINISHED BASEMENTS • $15,000 IN DECOR DOLLARS*

ASK ABOUT OUR NEW RELEASE OF PREMIUM WOOD BACKING LOTS ON SELECT HOMES (S1 SERIES)!

$280’s

287 Meadowbreeze Drive Kanata, Ontario K2M 0J6 Sales Centre Hours: Monday - Thursday 1 PM - 8 PM. Friday 1PM - 6PM Weekends & Holidays 11 AM - 6 PM

6 Model Homes to Tour

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We’ve made them attainable from the

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Family Inspired Singles & Townhome Designs

417 416

Smart & Stylish

RD. IDE PE S HO

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613-595-0591

PRICES, SIZES AND SPECIFICATIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. RENDERING IS ARTIST’S CONCEPT. E.&O.E. *AVAILABLE ON SELECT LOTS.

NOW OPEN IN KANATA

Discover more at glenviewhomes.com

Longwood now you’re home…

Morris Village in Rockland Yes, you can afford a single family home or bungalow in this family friendly community.

Drive a little to save a lot. From $271,900 Call Debra: or email:

613-446-1506 salesmorris@longwoodbuilders.com

Dorima Terrace Homes in Orleans Perfect for the first time buyer, these stylish terrace homes are located in the heart of Orleans - shopping and transit are steps away. From $210,900 Call Dorthy: or email:

613-424-2901 d.mcfee@longwoodbuilders.com

Mondavi Court

Mondavi Court in Orleans Construction is under way on this New Community of fabulous Townhomes and Semi-detached homes in this family friendly neighbourhood in Orleans off Trim Road and Valin.From $289,900

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613-424-2901 d.mcfee@longwoodbuilders.com

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Call Dorthy: or email:

Built with pride… a Longwood tradition

Quarter Century Builder www.longwoodbuilders.com

Highest rating year after year

WE WON'T CHARGE YOU EXTRA FOR YOUR CUSTOM DESIGN Choose one of our many models Bring us your design Custom modifications to any models or designs Creation of a new custom design just for you ... all this as part of our service at NO EXTRA CHARGE.

Meet directly with owner Pierre, owner Michel or VP Stephan

LOCATED OFF CARP RD BETWEEN STITTSVILLE AND CARP D

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• 22 lots in a Private Cul-de-sac • 2 to 4 acres country Estate Lots (well & septic) • Underground services with Natural Gas and High Speed Internet • Open and partially or fully treed lots • Walking trails with access to lake and creek • 5 minutes from Kanata Centrum

4+ LOCATIONS • NAVAN: Mustang St.: ½ acre fully treed private Estate Lot. From the high $600's.

• OTTAWA: Westboro: 2 luxury semi-detached homes. From the high $600's.

• STITTSVILLE: Deer Run: 41’ to 54’ wide lots in a private crescent. From the mid $400's.

• CARP: Westlake South Estates: 2 to 4 acres private Cul-de-sac Estate Lots. From the mid $500's.

• ON YOUR OWN LOT

(613) 296-7000 2 QUICK OCCUPANCY HOMES FOR SALE

IN STITTSVILLE FROM $529,900 18 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

MetricHomes.com 2 MODEL HOMES OPEN FOR VIEWING (CARP AND STITTSVILLE)

SPOTLIGHT ON CONDOS EASTERN EDITION

September 20 - October 4, 2014

YOUR PULL-OUT GUIDE to highrise, conversion, loft, terrace & townhome condo projects

IMMEDIATE OCCUPANCY

It’s your time.

For travelling, shopping, golfing, skiing, dining out and everything else you love to do. Cardel condos make life a breeze.

2 BEDROOM CONDOS STARTING FROM

249,900

$

SPOTLIGHT ON CONDOS

INCL HST

C2

INCLUDING UNDERGROUND PARKING + ELEVATOR

Visit us online for location and hours.

Built for real life.

CARDELHOMES.COM

T

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100%

IC E

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GUARANTEE OR WE’LL PAY YOU THE DIFFERENCE*

GROUND BREAKING Buy Before October 31st, 2014

SAVE

UP TO

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We guarantee the best value and best price or we’ll pay you the difference* Enjoy a luxury lifestyle with a clubhouse — private gardens, catering kitchen, fitness centre, games room, home theatre screening room, sauna, and much more!

Starting From * $

199,900

* Price reflects all discounts and bonuses. Promotion only valid on select suites in Stanley building. Difference paid up to $ 2000.

Savings will vary depending on suite purchased. Promotion may be cancelled at any time without notice. For qualified purchasers only.

EO&E Sept 2014

SPOTLIGHT ON CONDOS

PROMOTION

INITIAL DEPOSIT ONLY $500

C3

ground breaking | spring 2015

HUGE PRE-CONSTRUCTION BONUSES! see sales consultant for details.

THE STATION

the jewel of barrhaven.

bullet • canadian • commander • commodor • crusader • empire • euro star • golden arrow • grand central • north star • orient express • traveller

live here.

SPOTLIGHT ON CONDOS

EXPERIENCE DOWNTOWN COOL IN BARRHAVEN | EMAIL: LONGFIELDS@CAMPANALE.COM

C4

relax here.

play here.

work here. visit us at our NEW sales centre

BE WHISKED AWAY Long ago, there was a proud French-Canadian dairy farm at the crossroads of Navan and Renaud. Soon, Crème Condominiums will rise at that very spot to once again become home to those who seek life’s simple pleasures. Fall in love with decadent 2-bedroom homes and the luxury of maintenance-free living, while you enjoy the country charm only a short distance away from the city. Destined to be the best of what a neighbourhood can be, it could only be… Crème.

a

community

SPOTLIGHT ON CONDOS

Coming Soon to Orléans. Pre-register at CremeHomes.ca

C5

SPOTLIGHT ON CONDOS

CRÈME CONDOMINIUMS BUNGALOWS, LOFTS AND FLATS

Experience the luxury

M

ix a little country charm with first-class modern luxury and you get Domicile’s Crème Condominiums. Located on Navan Rd. at Renaud Rd. in Orleans, this new condominium project is set to launch mid-October.

Once home to a proud French-Canadian dairy farm, Crème Condominiums incorporate the smooth texture of its history with a present day flare for style. Domicile, in the same care and dedication of the farmers who once worked this land, will build a neighbourhood of bungalows, lofts and flats that are sure to impress.

The completed project will consist of 12 buildings – 96 two-bedroom homes in total. Buyers can choose from bungalow homes with full basements, chic lofts with plenty of space, including exterior parking, and modern gourmet flats with underground parking and an elevator. All of these options are roughly 1,200 sq. ft. and offer top of the line finishes.

C6

DOMICILE | Crème Condominiums

Crème is located just minutes outside of Ottawa, but offers residents an escape from the noise and congestion of the city. Imagine living at the crossroads of the country and the city, but with a modern twist.

Crème is located just minutes outside of Ottawa, but offers residents an escape from the noise and congestion of the city. Imagine living at the crossroads of the country and the city, but with a modern twist. With many local parks and trails, nature’s activities are right outside your door. Need to swing by the store? Not a problem! Every convenience, including Hwy. 417, is just around the corner.

Crème is more than simply a place to live – it is a community. The project will include an open communal garden and common area ideal for mingling with your neighbours. The communal garden allows you the opportunity to grow your own food, without having to give up the perks of condo living. Invite the family over for a barbecue and show off your spectacular new home!

With prices starting around $300,000, these properties are sure to sell fast.

Expected occupancy is early 2016. This smoke-free environment is targeted towards a particular kind of buyer: someone who craves the outdoors, but doesn’t want to sacrifice condo-living; a buyer who wants to be away from the hustle and bustle of the city, but doesn’t want a long commute to work, and a buyer who desires a first-class product at a reasonable price.

Domicile is a family-oriented company with strong roots in the Ottawa community. Its passion is building condominium projects whose style and quality add even more charm to already lively urban communities in Ottawa. The company believes has mastered the art of urban infill; after all, it’s been its speciality for more than 35 years. In 2011, Tarion named Domicile Ontario’s Highrise Builder of the Year, and in 2014 Domicile was named a finalist in the same category. In 2010, the Ottawa Council for the Arts recognized Domicile for its ongoing contributions to the arts. Domicile staff pride themselves on delivering top-quality homes to their clients.

Pre-registration is now delivering for Crème Condominiums. Register at cremehomes.ca and receive all the latest updates. For all other information on Domicile, please visit, domicile.ca SALES CENTRE:

Under construction - open soon.

3143 Navan Rd. Orleans, (in the old Farm House) 613.807.0316 SEPT 20 - OCT 4, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO C7

//IN THE NEWS

BANK OF CANADA MAINTAINS

overnight rate target at one per cent The Bank of Canada has once again announced that it is maintaining its target for the overnight rate at one per cent.

The Bank Rate is correspondingly 1.25 per cent and the deposit rate is 0.75 per cent.

Inflation is close to the two-per-cent target and is evolving as the Bank anticipated in its July Monetary Policy Report (MPR). Recent data reinforce the Bank’s view that the earlier pickup in inflation was attributable to the temporary effects of higher energy prices, exchange rate pass-through, and other sector-specific factors rather than to any change in domestic economic fundamentals.

The global economy is performing largely as expected.

The recovery in Europe appears to be faltering as the situation in Ukraine weighs on confidence. In the United States, a solid recovery seems to be back on track, with business investment now making a significant contribution to growth. Global financial conditions remain very stimulative and longer-term bond yields have eased even further.

In Canada, stronger growth in the second quarter has brought GDP to almost exactly the level the Bank had

Activity in the housing market has been stronger than anticipated. The Bank still expects excess capacity in the economy to be absorbed during the next two years.

C18 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

projected in July’s MPR. Canadian exports surged in the second quarter after a weak winter, supported notably by stronger U.S. investment spending and the past depreciation of the Canadian dollar. While an increasing number of export sectors appear to be turning the corner toward recovery, this pickup will need to be sustained before it will translate into higher business investment and hiring.

Meanwhile, activity in the housing market has been stronger than anticipated. The Bank still expects excess capacity in the economy to be absorbed during the next two years.

Overall, the risks to the outlook for inflation remain roughly balanced, while the risks associated with household imbalances have not diminished. The balance of these risks is still within the zone for which the current stance of monetary policy is appropriate and therefore the target for the overnight rate remains at one per cent. The Bank remains neutral with respect to the next change to the policy rate: its timing and direction will depend on how new information influences the outlook and assessment of risks.

The next scheduled date for announcing the overnight rate target is Oct. 22.

GET READY FOR YOUR

SALT WATER POOL START ING F ROM $ 2 19,9 00

MOVE-IN THIS YEAR

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SPOTLIGHT ON CONDOS

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C15

//MORTGAGE ADVICE

WHY YOU SHOULD PAY ATTENTION

to the Bank of Canada » by ALYSSA RICHARD

ALYSSA RICHARD

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

Every six weeks, you may notice news headlines along the lines of “Bank of Canada holds key interest rate at one per cent.” The articles often discuss the overnight lending rate, how the economy has shaped the central bank’s decision to either change it or not change it, and how the monetary policy has been updated. It’s a lot of information packed into one article, so don’t feel bad if some of it goes over your head at first.

However, if you have a mortgage – particularly a variable rate mortgage – you may want to add a calendar reminder for each of these announcements. Why? Well, because if the overnight lending rate goes up, so could your monthly mortgage payment.

Every six weeks, you may notice news headlines along the lines of “Bank of Canada holds key interest rate at one per cent.”

C16 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

To explain how this works, let’s start with some background information. The overnight lending rate is the interest rate at which banks borrow and lend money to one another, to cover the transactions they make each day. Changes to this interest rate can directly result in changes to other interest rates, such as for consumer loans and – you guessed it – mortgages; this is because each bank’s prime rate is attached to the overnight lending rate. So, as an example, if the overnight lending rate goes up by 0.50 per cent, your bank’s prime rate will also go up by 0.50 per cent. And if you have a variable rate mortgage, which is attached to prime rate, your mortgage rate and payment will follow suit.

Let’s assume you bought a home for $400,000, put down 10 per cent and amortized your mortgage loan over 25 years. If your bank gave you a five-year variable rate mortgage of prime-minus 0.50 per cent (currently that would be 2.50 per cent), your monthly mortgage payment would be $1,651. If, at any time during that five-year term, the overnight lending rate went up by one per cent, your bank’s prime rate – and therefore your mortgage rate – would also go up by one per cent (so you’d be up to 3.50 per cent). At that rate, your monthly mortgage payment would be $1,841, which is an additional $190 per month or $2,280 per year you’d need to find in your budget to pay for.

As of this month, the overnight lending rate has sat at one per cent for four years straight, and economists predict it will remain unchanged until at least mid-2015, so you may not need to worry about this for a while. However, the one thing you should be aware of is that interest rates will undoubtedly go up, not down – so you may want to pay attention to what the Bank of Canada says in its announcements, and prepare your budget for what’s to come.

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//MAKE YOUR MOVE

WHEN MOVING, EVERYONE WINS

when they play by the rules » by CHUCK RESNICK

CHUCK RESNICK

is vice-president, marketing and operations at Two Men and a Truck – Canada

When hiring a professional mover, one expects to have your possessions packed and/or transported safely. It is a common expectation, also shared by your movers. However, sometimes movers may be unable to take some of your belongings onto their truck.

Ontario’s Health and Safety Act and Hazardous Materials Act, for example, prohibit movers from transporting propane canisters or gasoline cans unless they are empty of fuel, as well as paints, solvents or any hazardous materials. It is important for consumers to understand what can and cannot be moved before the day arrives.

No one likes moving day surprises, including your mover. Communication is key.

C18 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

Movers also establish their own guidelines.

At Two Men and a Truck – Canada, it is challenging for us to secure plants on our trucks, and we prefer not to move valuables such as jewelry, stocks, bonds, cash, for example.

Common sense dictates that these are items you would want to take yourself.

If you have items of extraordinary value such as paintings, sculptures and antiques, let your mover know ahead of time.

The issue here is insurance, and the basic package your mover offers may not cover these exceptional goods. Although we don’t offer additional insurance to cover these at our company, we can arrange for it. You can also check with your own insurance company about covering these special items; your homeowner’s policy may have a rider for goods in transit. If it does, there’s no need to reinvent the wheel.

It is still critical to know and understand how much insurance your moving company carries. Ontario’s Conditions of Carriage, part of The Highway Act, requires movers to insure at least 60 cents per pound at a bare minimum. At Two Men and a Truck – Canada, we insure items up to $250,000, which is far higher than the minimum. We also offer replacement cost with a $250 deductible.

Extremely large and tough to move items such as pianos, pool tables and massive wall units are a challenge. We do move them every day. We use a piano board that makes it easier to move a baby grand, but it is much harder to move an upright piano, which takes muscle power, heavy-duty dollies and a truck with a lift gate.

Another “rule” to be aware of, if you live in an apartment building or condominium, is arranging with your superintendent or property manager to reserve the elevator for the time of your move.

Right up front, you should determine how this process works. Let your mover know where the loading/unloading zone is, or whether they will have to walk items through the lobby to get to the elevator? The more your mover knows, the more accurate their estimate will be.

No one likes moving day surprises, including your mover.

Communication is key. So, once we all know where we stand, we can work together for a successful move.

SPOTLIGHT ON CONDOS

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//FUNDAMENTALLY SPEAKING

Homeownership affordability IMPROVES SLIGHTLY » by WAYNE KARL

WAYNE KARL

is an award-winning writer and editor with experience in real estate and business.

In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property.

He can be reached at

wayne.karl@wall2wallmedia.com

or follow him on Twitter at Twitter.com/WayneKarl

Amid all the ongoing talk of mortgage rates, market conditions, high levels of household debt and economic uncertainty, good news comes from RBC Economics Research’s latest Housing Trends and Affordability report.

Housing in Canada became more affordable in the second quarter of 2014, thanks in large part to a decline in mortgage rates.

“It was more affordable to own a home in virtually all provincial and major local markets across Canada in Q2, and in the face of solid price gains no less,” says Craig Wright, senior vice-president and chief economist, RBC. “We had anticipated a rebound in activity from earlier this year when the harsher than normal winter weather took hold, but the biggest drop in fixed mortgage rates in almost four years and resulting improvement in affordability also gave the Canadian housing market a boost of extra energy.”

The way RBC’s affordability measures work is, the higher the measure, the more difficult it is to afford a home. For example, an affordability measure of 50 per cent means that homeownership costs, including mortgage payments, utilities and property taxes, take up 50 per cent of a typical household’s pre-tax income. A decline in the measure represents an improvement in affordability.

Housing in Canada became more affordable in the second quarter of 2014, thanks in large part to a decline in mortgage rates, RBC says.

C20 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

For the Ontario market, homeownership affordability eased by 0.2 percentage points for detached bungalows (to 44.7 per cent), and by 0.1 per cent for both two-storey homes (50.9 per cent), and condominiums (29.3 per cent) in the second quarter of 2014.

Homebuyers don’t appear to be overly concerned by the fact that affordability remained somewhat stretched for single-family homes, RBC says. Lower rates were the main factor contributing to marginal declines in affordability measures for Ontario.

For Ottawa, specifically, affordability improved in all three housing categories: falling 0.4 per cent for bungalows (meaning it became more affordable) to 36 per cent; 0.5 per cent in two-storey homes to 37.6 per cent; and down 0.6 per cent in condominiums to 24.1 per cent.

* Offer on selected units, subject to availability and change without notice. Offer may be withdrawn at any time. E. & O.E.

SPOTLIGHT ON CONDOS

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//HOME SMARTS

CONDO OWNERSHIP:

Understanding the basics » by MARNIE BENNETT

MARNIE BENNETT

is a broker and the marketing director for Bennett Property Shop Realty, a full premium service real estate brokerage specializing in marketing and selling new and resale homes, condominiums and investment real estate.

Marnie is the host of the weekly radio show the Real Estate Hour, a millionaire real estate investor and a wealth management coach. bennettpros.com

I’ve watched the evolution of the housing market over the past 25 years with great interest. It’s been quite a ride, to say the least. Over the past seven years alone, there’s been a staggering five-fold increase in the percentage of Canada’s new home market share for condo sales. In Ottawa, the condo market share represents nearly 18 per cent of all homes sold.

Why the massive shift? There are a number of explanations. Firstly, for many city-dwelling first-time buyers, it’s become the only realistic financial option. Next, even among those Generation Y purchasers with thicker wallets, the hipness factor of condo living goes a long way: to a childless 30-year-old, an urban loft has more appeal than a fourbedroom home with a lawn to mow. Additionally, as the baby boomers become empty nesters, there’s a growing segment of the population looking to downsize from large family homes.

Both younger and older purchasers appreciate the worry-free aspect of condo ownership: maintenance and security issues are kept to a minimum, allowing what we like to call the “lockand-leave lifestyle.”

While the word “condominium” often conjures an image of a highrise tower, it’s actually a legal definition that refers to the method of ownership, not the type of building. In purchasing a condominium, you own the interior space of your home outright. Other elements of the building, such as hallways, elevators, recreational facilities and outside grounds, are known as “common elements.” These are jointly owned by you and all the other homeowners in your condominium community. Your balcony or terrace, and sometimes your parking spot, are known as “exclusive use” common elements.

This means that, while their upkeep is not your responsibility, they are intended for your use only.

While condo owners are mercifully free from such concerns as pruning shrubs and vacuuming the swimming pool, they do pay for such maintenance through a monthly charge known as a maintenance fees, or condo fees. These fees also covers the costs of management, administration and insurance for common element areas, and often cover the cost of utilities. In many cases, a condominium “reserve fund” will cover the replacement cost of items such as a broken furnace; as many of us know, those living in typical freehold homes aren’t so lucky.

Maintenance fees can vary substantially between condominiums, depending on both the square footage of your unit and the level of the building’s amenities. For instance, a highrise condo with a swimming pool and gym will have higher fees than a townhome condominium with minimal

C22 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

groundskeeping. Keep in mind that having such amenities at your doorstep may save you the cost of a fitness club membership. You may be able to entertain in a huge party room, or watch movies with friends in a multi-media lounge – pastimes that would likely be beyond your reach outside of the condominium paradigm.

While condo living isn’t for everybody, an increasing number of people are discovering its benefits. It comes down to weighing what’s important to you.

In my next column, I’ll discuss how to narrow your search for the perfect condo. Till then, enjoy the hunt.

To receive a free copy of a new special report titled “Homebuyers: How to Save Thousands of Dollars When You Buy” email sales@bennettpros.com

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SPOTLIGHT ON CONDOS

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SEPT 20 - OCT 4, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 23

//THE SCOOP

the

SCOOP

CATCH UP ON DECOR & RENO NEWS, INSPIRATION, STYLE AND MORE

» by SARA DUCK

{ SCOOP the LOOK! {

Ektorp Sofa in Risane Natural Beige. $600.

VISIT IKEA.CA

Suzani Night 18-in.

Embroidered Throw Pillow. $44.

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24 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

Klingsbo Coffee Table. $80.

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997 Rotary Way (off Bank Street near Leitrim Road) Sales office hours: Mon – Thurs: 12pm – 7pm, Friday: Closed, Sat – Sun: 12pm – 5pm

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Keurig continues to evolve the art of the one-touch coffee machine. In its latest model, the Keurig 2.0 K500, the system now reads each lid ensuring the perfect brew in one cup or four cup carafe.

Enjoying your favourite caffeinated bevvy just got better! $190.

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This beautifully detailed Hudson Sofa is made in Canada and available in hundreds of fabrics and leathers. Customize it to your liking and style.

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Resource Furniture offers a complete line of space-saving furniture, from Italian-made wall bed systems to transforming tables and chairs such as the featured Cubista Ottoman that has five dining stools hidden inside one cube. Now that is a clever use of space!

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26 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

HOUSEHOLD

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We love the new line of custom rugs from Elte, made from an innovative new fibre using the stalk of the banana plant. The result is a natural elegant sheen in each rug that plays off the many beautiful patterns available.

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After six years of intensive research by a team of 29 Dyson engineers, the new Dyson Cinetic is born. This machine boasts unparalleled suction capabilities, no bags or filters and a trigger-bin emptying system. We think it’s pure genius!

Dyson Cinetic DC78 Turbinehead. $700.

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Allan Rug Co. carries a variety of carpet and area rugs with a unique blend of classic and modern designs, to tie any room together in an unforgettable style.

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SEPT 20 - OCT 4, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 27

//COVER STORY

COMING THIS FALL

New designs and new sales centre at Avalon Encore

S

o, what do you do when you’ve witnessed a great performance already? You ask for an Encore…

When we started the search for a name for our newest community in Orléans, we confirmed that people love living in Avalon, and love their homes.

AVID surveys show that 91 per cent of customers say they would recommend Minto to friends and family, and nearly 28 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

one-third of all Avalon purchasers are referred by a friend, or already live in a Minto home.

Minto has been building homes in the Avalon community since 1999, and many people who grew up there are choosing to stay in the area. Today, the children of previous Avalon purchasers are buying their Minto homes there because they know Avalon is a great

MINTO | Avalon Encore in Orléans

place to live.

Minto will be building Encore with the same principles that made Avalon great – quality homes in a place that’s friendly, safe, full of variety and good value.

So, what’s new? Minto has redesigned its entire single-family product line to match the needs of today’s homebuyers. The new designs, already a hit in the west-end (Arcadia) and south end of the city (Chapman Mills), will now be available in Orléans.

New exterior colour palettes, a broader range of materials and distinct styles will create attractive, interesting streetscapes. Updated interior finishes not only offer stunning new options, including the latest in designer trends, but also provide extra value to these homes.

A wide range of product sizes are available, from the Avenue Towns which start at 1,182 sq. ft. to the single-family homes, on 43-ft. lots, which go up to 3,242 sq. ft., Minto has designed something for every stage of life – from first-time buyers, to growing families, to empty nesters looking to downsize.

The new line-up includes flex options – giving customers choices in

how their homes function, such as choice of laundry room locations, kitchen choices, finished basements and master bedroom ensuites.

Homeowners enjoy standard ceramic tile in wet areas, secluded master bedrooms, open concept living areas, entertainment-sized kitchen islands with breakfast bars, and large windows allowing natural light throughout the homes. Single-family homes have spa-like master ensuite bathrooms with large walk-in showers, and family-roomready basements with oversized windows. Townhomes start in the $200’s and single-family homes in the $300’s.

Opening this fall on Tenth Line Road, the new Avalon Encore community is also getting the brand new sales centre. The sales centre will showcase soaring ceilings and exceptional finishes, and touch screens which will show off the homes, amenities, floorplans, neighbourhood and Green features in this master-planned community.

Register today at mintoavalon.com and be first in line. Call 613.834.6400, or visit the existing Avalon sales centre at 204 Monaco Place.

LOCATION East Ottawa HOUSING TYPE Single-family homes from 1,441 to 3,242 sq. ft., from the $300s SALES CENTRE 204 Monaco Place CONTACT 613.834.6400 avalonsales@minto.com mintoavalon.com

Homeowners enjoy standard ceramic tile in wet areas, secluded master bedrooms, open concept living areas, entertainment-sized kitchen islands with breakfast bars, and large windows allowing natural light throughout the homes.

SEPT 20 - OCT 4, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 29

IT’S NOT TOO LATE TO...

DISCOVER EASTERN ONTARIO’S HOME BUILDERS — ONE STORY AT A TIME

• Industry Insights by Eastern Ontario’s Home Building Leaders • Detailed Home Builder Stories • Mortgage and Legal Advice

2014 Home Builders’Annual Now Available!

Contact nashrun.kamaludin@wall2wallmedia.com 613.729.1221 to receive your FREE copy!

30 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

//TARION REPORT

Don’t miss out on warranty coverage MAKE SURE YOUR NEW HOME ISN’T BUILT ILLEGALLY » by HOWARD BOGACH

HOWARD BOGACH

is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide.

For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/ TarionWarrantyCorp.

Buying and building a house is one of the biggest investments most people will make, so be sure to research the builder first before you sign on the dotted line.

Did you know that every licensed builder in Ontario is searchable in the Ontario Builder Directory, available at tarion.com? This comprehensive directory provides a 10-year history for all registered builders, as well as those who are no longer registered to build homes. If your builder is not listed in this directory, it may be because they did not pass the technical test based on the Ontario Building Code regulations or provide the financial securities mandated to build homes in Ontario – and they are building illegally.

Illegal building is occurring in this province and it has led to substandard homes and potential liability issues for homebuyers. There are two types of illegal building, according to the Ontario Home Warranties Plan Act. The first is when a builder who is not licensed by Tarion builds or sells a new home. The second is when a builder sells a new home without having enrolled it with Tarion. Even licensed builders can be charged with this type of illegal building if they don’t enroll a home in Tarion’s warranty program.

When examining illegally-built houses, investigators often find that many components haven’t been built to meet the requirement of the Ontario Building Code. This can mean that buyers are left living in substandard conditions, without assistance from the builder or knowledge of the warranty protection they are entitled to. As a result, it is possible to miss out on warranty coverage because claims are filed too late.

So how can you protect yourself from purchasing an illegally built home? Before entering into any type of purchase agreement, research your builder on the Ontario Builder Directory. The next step is to ask around. You may want to walk around neighbourhoods where the builder has built and inquire about these homeowners’ experiences. Speaking to other homeowners will give you a good indication of whether the builder stands behind his construction and is attentive to customers over the long term. You can also ask for references in online communities and social media platforms. There are a number of active home-related sites where experiences are shared about everything from decor selections to construction delays and the after-sales customer service.

Don’t be swayed by builders who claim that they have a special exemption or that you don’t need a warranty backed by Tarion because they are offering their own. Being licensed and providing a Tarion warranty isn’t optional – it’s the law.

SEPT 20 - OCT 4, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 31

//HOME SWEET HOME

Buyer’s remorse:

How to avoid “What if” and “I wish I never” » by LYDIA MCNUTT There are many questions that will run through your head in the weeks leading up to closing on your new home. Did I choose the right location?

Did I pay too much? Should I have waited out this hot market?

LYDIA MCNUTT

is an award-winning writer and editor of New Condo Guide. Lydia’s love of architecture, interior design and the written word have landed her happily at home at Wall2Wall Media, where real estate rules. Email Lydia.McNutt@ wall2wallmedia.com, and follow her on Twitter @LydiasTweets

We’ve all heard of buyer’s remorse.

Maybe it’s that canary yellow convertible that caught your eye at the dealership when you were there only to get an oil change. Maybe it’s that Florida timeshare that tempted you in the dead of winter. Maybe it’s, dare I say, the home you just purchased.

When it comes to buying a home, feeling a little anxious and questioning whether you’ve made the right decision is normal.

Having just bought a new house – our second – my husband and I have been swept up in a whirlwind of excitement, anxiety and stress bordering on distress. First of all, our new home is more expensive. Second, it’s further away. Third, it’s a new community.

(Well, not new new, but new to us.)

While we were well aware of these factors when we bought the house –

and we still consider it worth the trade-off – we can’t help but feel pangs of fear as we prepare for the big move.

My husband is the worrier between the two of us, but admittedly, I am very reactive. When the world around me panics, I’m not far behind. So, I too have suffered some sleepless nights.

How can you curb those “I wish I never...” and “What if...” thoughts? Here are three ways to stop buyer’s remorse dead in its tracks: STOP LOOKING You’ve had your eyes glued to the real estate listings for months. Now that you’ve purchased a home, it’s tough to go cold turkey. Trust me – if you keep looking, you’ll find something in a more convenient location, or at a cheaper price, or better in some way. Why are you torturing yourself? If you were happy with your decision to buy when you made it, then stop shopping for the bigger, better deal.

STOP LISTENING You’ve made your buying decision

based on your needs and wants. You were confident with your purchase... until Uncle Joe tsk-tsked and dug up that newspaper article he’s been saving for you about a drop in house prices in the coming months. But does anyone really know for certain what will happen in the future? By sitting on the fence and waiting for “perfect market conditions,” you could miss out on some really great opportunities. Don’t be overcome by analysis paralysis. If the timing is right for you, go for it.

STOP WORRYING You’ve done your homework, haven’t you?

You’ve scoped out a variety of locations with a close look at the amenities, home types and their prices. You’ve set a budget.

You’ve been pre-approved at a great mortgage interest rate and terms. You’ve saved a down payment and closing costs are covered. You’ve got your team of professionals: realtor, home inspector, lawyer. What more could you have done? Buying a new home – especially for the first time – is certainly stressful, but ask yourself if your fears are founded on facts, or just a common case of cold feet? If you’ve done your research, then it’s most likely the latter and you’ll get over it.

Nothing will ruin your homebuying happiness like having it engulfed in a wave of irrational fear. In your home purchase, as in life, regret nothing and enjoy every moment.

32 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

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//IN THE NEWS

Younger homebuyers don’t want to max out on their mortgage

Today’s Gen X Canadians overwhelmingly consider themselves “House-Plus” buyers who want enough flexibility in the budget to afford things like travel after paying their monthly mortgage. Only one in seven (14 per cent) Gen X Canadians consider themselves “House-All” buyers who go to the higher end of what they can comfortably afford when it comes to their mortgage, leaving less room for discretionary spending. But, according to a recent TD survey, Gen Xers are fairly evenly split between those who see themselves living in their current home forever (42 per cent) and those who see it as a stepping stone to a different property (45 per cent).

“More than two thirds of Gen X Canadians have told us they don’t want their entire budget allocated to mortgage payments,” says Nupi Zubair, associate vice-president, retail products, at TD. “It’s possible to own a home and not feel handcuffed to the mortgage, but it does require careful saving and planning before signing on the dotted line. Buyers need to purchase a home at a price they can afford, while still budgeting for the other things on their list of priorities.”

34 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

It’s possible to own a home and not feel handcuffed to the mortgage, but it does require careful saving and planning before signing on the dotted line. Buyers need to purchase a home at a price they can afford, while still budgeting for the other things on their list of priorities.

Keep in mind, though, a shorter amortization period and making payments weekly, rather than monthly, can increase overall monthly payments but lower the overall costs of the mortgage.

It really comes down to the buyer’s priorities.

Zubair says that, in addition to the sale price of the home, Gen X Canadians need to factor in other costs of homeownership – such as taxes, maintenance, closing costs and insurance – and set a budget for all of the discretionary things they want to do.

“One way to have more disposable income every month is to make a larger down payment up front, which ultimately reduces the size of the mortgage and monthly payments,” Zubair says. “Keep in mind, though, a shorter amortization period and making payments weekly, rather than monthly, can increase overall monthly payments but lower the overall costs of the mortgage. It really comes down to the buyer’s priorities.”

The TD survey found sale price is the most important factor for Gen X Canadians buying a home, followed closely by location and the future appreciation of the home. This was particularly true for those who consider themselves “House-Plus” homebuyers, but even “House-All” buyers put sale price at the top of their list, too. Access to public transit and proximity to schools were much lower on the priority list for all categories of Gen X Canadians, including those who planned to stay in their home forever.

ZUBAIR OFFERS THE FOLLOWING TIPS TO HELP YOUNGER HOMEBU YERS: 1. S AVE FOR A DOWN PAYMENT. The easiest way

for buyers to do this is to set up a regular automatic savings plan and add to it any special monetary gifts or bonuses received. First-time buyers can also take advantage of the RSP Home Buyers’ Plan to build a bigger down payment.

2. SET A BUDGET. Start by listing all sources of income, including any potential help from family.

Then list all non-discretionary expenses, such as food, utilities, insurance and car or student loan.

What’s left will be the amount available for mortgage payments (replacing current living expenses), savings and any discretionary spending buyers may want to account for.

3. B U Y THE HOUSE THAT FITS THE BUDGET.

The mortgage should be realistic based on the available budget. If it’s not enough for the desired home, consider holding off and save for a larger down payment, or look for a less expensive property. The alternative to waiting is finding ways to cut back on allocated discretionary spending money each month.

4. A SK FOR ADVICE. Buying a home is one of the most important investment decisions Canadians will make, so take the time to talk to an experienced professional. Work with a mortgage specialist and financial advisor in tandem to help develop a strategy to save for a down payment and, after closing, help maximize available funds for discretionary spending and future financial goals, such as retirement or a renovation down the road.

SEPT 20 - OCT 4, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 35

homebuyers’help

CALCULATE YOUR MORTGAGE PAYMENTS INTEREST RATE

AMORTIZATION PERIOD

CHART FIGURE

EXAMPLE: 5%

25 YEARS

5.82

MORTGAGE AMOUNT ÷ 1,000 (MORTGAGE AMOUNT $125,000)

125

FOLLOW THESE STEPS TO SEE IF YOU’LL QUALIFY FOR A MORTGAGE ON YOUR DREAM HOME

01

05

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

Multiply this figure by the amount you need to borrow.

Divide by 1,000.

02

06

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.

03

07

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.

04

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice.

(Most first-time buyers take the 25-year amortization.)

If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream 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.

36 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

MONTHLY PAYMENT

$

MORTGAGE PAYMENT CALCULATION CHART % INTEREST RATES

AMORTIZATION PERIODS 10 YEARS

15 YEARS

20 YEARS

25 YEARS

3.00%

9.65

6.90

5.54

4.73

3.25%

9.76

7.02

5.66

4.86

3.50%

9.88

7.14

5.79

4.99

3.75%

9.99

7.26

5.91

5.13

4.00%

10.11

7.38

6.04

5.26

4.25%

10.23

7.50

6.17

5.40

4.50%

10.34

7.63

6.30

5.53

4.75%

10.46

7.75

6.44

5.67

5.00%

10.58

7.88

6.57

5.82

5.25%

10.70

8.01

6.74

5.96

5.50%

10.82

8.14

6.85

6.10

5.75%

10.94

8.27

6.98

6.25

6.00%

11.07

8.40

7.12

6.40

6.25%

11.19

8.53

7.26

6.55

6.50%

11.31

8.66

7.41

6.70

6.75%

11.43

8.80

7.55

6.85

7.00%

11.56

8.93

7.69

7.00

7.25%

11.68

9.07

7.84

7.16

7.50%

11.81

9.21

7.99

7.32

7.75%

11.94

9.34

8.14

7.47

8.00%

12.06

9.48

8.28

7.63

8.25%

12.19

9.62

8.44

7.79

8.50%

12.32

9.76

8.59

7.95

8.75%

12.45

9.90

8.74

8.12

9.00%

12.58

10.05

8.86

8.28

9.25%

12.71

10.19

9.05

8.45

9.50%

12.84

10.33

9.20

8.62

9.75%

12.97

10.48

9.36

8.78

10.00%

13.10

10.63

9.52

8.95

10.25%

13.24

10.77

9.68

9.12

10.50%

13.37

10.92

9.84

9.29

10.75%

13.50

11.06

10.00

9.46

11.00%

13.64

11.22

10.16

9.63

11.25%

13.77

11.36

10.32

9.80

11.50%

13.91

11.52

10.49

9.97

11.75%

14.04

11.66

10.65

10.15

12.00%

14.18

11.82

10.81

10.32

12.25%

14.32

11.97

10.98

10.49

12.50%

14.46

12.13

11.15

10.67

12.75% 14.59 12.28 11.31 10.85 This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 SEPT 20 - OCT 4, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 37

OTTAWA

HOT SHEET ASHCROFT HOMES

CENTRAL PARK • THE NEXT Live where downtown spirit meets community character, your prime location is your pathway to the best of Ottawa, and bountiful greenspace blends naturally. The Next brings it all together – smart condo living at the heart of Central Park. Starting at mid $200’s. Register now for VIP pricing at benext.ca

WESTBORO • QWEST A stroll under the arches and along Sisters’ Walk will be enough to convince you of how greenspaces and good design make life beautiful at Q West. The Q West team’s inspired vision both preserves and enhances this landmark property. Just released, second floor terrace suites! Visit our model suite located at the corner of Richmond Rd. and Leighton Terrace in Westboro or call 613.221.5926. liveqwest.com

CAMPANALE HOMES

THE STATION • BARRHAVEN Complete with elevator and underground parking, and 12 unique designs to choose from, you can live in the “Jewel of Barrhaven.”

Campanale Homes presents the centrepiece of its Longfield’s Station project, a four-story luxury condominium with one- and two-bedroom units. Visit the presentation centre, located in the model homes at 420 Via Verona Ave. Phone 613.440.3570 or visit the website for floorplans and more information at campanale.com

BARRHAVEN • LONGFIELDS STATION • TOWNHOMES • AND MORE You know you’ve arrived when you’re living in your new home built by Campanale Homes, an award-winning builder with more than 30 years of experience. Condo flats and terrace homes starting from $259,900.

Loaded executive townhomes priced from $330,000. Visit the new model homes and sales centre located at 420 Via Verona Ave. in Barrhaven. Call 613.440.3750 or visit campanale.com OTTAWA SOUTH • PRINCE OF WALES ON THE RIDEAU Located just minutes to downtown via the scenic Colonel By Drive, and an easy bike ride to the scenic Hog’s Back Falls and Vincent Massey Park.

This award-winning community features magnificent executive singlefamily homes, surrounded by more than 50 acres of greenspace and park bordering the Rideau River. Only a few lots remain. Call 613.440.3750 for more information or visit campanale.com ARNPRIOR • CALLAHAN ESTATES Just west of the scenic Madawaska River in old world Arnprior, this stunning location offers the best of both worlds. Enjoy the timeless charms of smaller town living while being a scant 20 minutes from major urban amenities in neighboring Kanata and Ottawa. Starting as low as $221,900.

Visit the sales centre located at 2 Tom Gavinski, Arnprior, open Monday to Thursday 11 a.m. to 7 p.m., Saturday, Sunday and holidays noon to 5 p.m. Call 613.622.0033 or visit campanale.com

DOMICILE

LITTLE ITALY • NUOVO • UNITED BY ORIGINALITY Nuovo is Ottawa’s latest urban condo development brought to you

by Domicile. This Barry Hobin design, situated in the heart of Little Italy, will offer unrivalled options for customization and personalization, allowing you to create a home that is truly yours. 613.728.7873. nuovocondo.ca ORLEANS • BERGERON TERRACE Introducing Bergeron Terrace, set in Chapel Hill. Beautifully designed, quality built and affordably priced one-, two and three-bedroom terrace homes and urban flats. Conveniently located at the corner of Meadowglen and Orleans Blvd., Bergeron Terrace offers you all the best that Domicile has to offer. 613.223.5803. bergeronterrace.ca

ORLEANS • CRÈME Introducing Crème homes in Orleans at the corner of Navan and Renaud.

Beautifully designed 2-bedroom bungalows, lofts, and flats. Register today to get an invite to our fall sales launch. cremehomes.ca 613.807.0316.

OTTAWA • HŌM Introducing HŌM, nestled beside Ottawa’s Little Italy and Dow’s Lake.

Everything’s within reach – including the price.

613.728.7873. domicile.ca

WELLINGTON WEST • ONE3ONE one3one is at the centre of the urban, tasteful and cultural Wellington West. All units with access to a rooftop terrace, rear courtyard, guest suite, fitness room, yoga room and a party room/entertainment room.

Call 613.728.7873. domicile .ca OTTAWA SOUTH • FINDLAY BY THE PARK New community offering singles, bungalows and townhomes. Just a few steps to greenspace, park, recreational arena and soccer fields. Quick access to shops, restaurants and services. Starting from $324,900. Limited time bonus offer. 613.425.5255. lemayhomes.ca

LONGWOOD

BARRHAVEN • LONGFIELDS • SINGLES • TOWNHOMES New townhome model now open in Longfields at Barrhaven. Visit 170 Longfields Dr. or contact Dale, dale.laurie@cardelhomes.com, 613.290.4703 cardelhomes.com

CARLETON PLACE • STONEWATER BAY New Denali model situated on the banks of the Mississippi River is now open. Come visit the award winning community of Stonewater Bay – 95 per cent sold out. Contact Bill, bill.walters@cardelhomes.com, 613.444.0440, cardelhomes.com

CARLETON PLACE • MILLER’S CROSSING Cardel is developing a new site in Carleton Place - Miller’s Crossing.

Register for future information. Contact Bill, bill.walters@cardelhomes. com, 613.444.0440, cardelhomes.com

NOTTING HILL SOUTH • ORLEANS • CONDOS Panmount II Condos – Immediate Occupancy. Visit the sales centre at 141 Potts Private, Orleans, off Trim Road, south of Innes. Contact Lynne, lynne.Freitag@cardelhomes.com, 613.424.6780, cardelhomes.com

RICHARDSON RIDGE KANATA Visit this spectacular community and magnificent model homes. Visit 290 Huntsville Dr., Kanata North on Terry Fox or contact Dale, dale.laurie@cardelhomes.com, 613.435.5706, cardelhomes.com

RIDGEWOOD ESTATES • STITTSVILLE Two and three acre estate lots now available. Buy the lot and build your own home or have Cardel design and build the home of your dreams.

Located west of Stittsville on Fernbank Road. Lots now available for sale.

Contact Bill, bill.walters@cardelhomes.com, 613.444.0440, cardelhomes.com

38 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

BEECHWOOD VILLAGE • THE KAVANAUGH The Kavanaugh offers village life in the city: quaint but with cachet – and just minutes from Parliament Hill. Famed bistros and bakeries line a streetscape surrounded by greenspaces, bike paths and landmarks.

613.897.7873. thekavanaugh.ca

LEMAY HOMES

CARDEL HOMES

TOWNS OF BLACKSTONE • KANATA Phase II singles now released with limited time incentives. Townhome model home opening soon with limited time incentives. Visit 100-104 Westphalian Ave. or contact Harley, Harley.wallin@cardelhomes.com, 613.836.9521, cardelhomes.com

KANATA • DEEVY’S HOMESTEAD Two decorated models homes now open. Adult lifestyle attached bungalow townhomes on Equestrian Drive in Kanata. Sales office on site. deevyshomestead.com or email: SalesDeevys@longwoodbuilders.com 613.435.2155.

HUNT CLUB • NEIGHBOURHOODS OF HUNT CLUB Act now. Last two available. Adult lifestyle attached bungalow community.

Now selling by appointment. neighbourhoodsofhuntclub.com or email: d.greene@longwoodbuilders.com Call 613.203.2295 for information and appointment.

CENTRAL OTTAWA • SONIA BY THE RIDEAU New 70 unit condominium building in Central Ottawa. Three new plans just released. Sales office with decorated model suite with unique European Extenzo Ceiling. soniacondos.com or email SalesSonia@longwoodbuilders.com. Call 613.421.9736.

OTTAWA SOUTH • MONTAGE Fully Built. 36-unit Condominium building in Ottawa South.

Five Model open for viewing. Move in now! Only four suites remaining.

Located at corner of Clementine and Ohio off bank south of Billings Bridge. montagecondos.ca Call 613.897.0044 or email: d.greene@longwoodbuilders.com

ORLEANS • DORIMA TERRACE HOMES Two decorated models now open! Final phases under construction. Perfect for the first-time buyer or investor. Terrace homes off Innes at 10th line.

For more information dorima.ca or 613.424.2901 or email: d.mcfee@longwoodbuilders.com ORLEANS • MONDAVI COURT • TOWNS AND SEMIS Now under construction – off Trim Road just North of Innes. 24 townhomes and semi-detached towns. Selling from Dorima sales officer – Innes at Dorima. MondaviCourt.ca or 613.424.2901 or email: d.mcfee@longwoodbuilders.com

ROCKLAND • MORRIS VILLAGE Best value single-family homes and bungalows. Perfect for growing families. New community park opening soon. Decorated model home and sales office. For more information longwoodbuilders.com/morrisvillage or 613.446.1506. Email: SalesMorris@longwoodbuilders.com

BUILDERS: If you would like to include your new model home or site opening, email Nashrun.Kamaludin@wall2wallmedia.com. Please say you saw it in New Home & Condo Guide!

OTTAWA / EASTERN ONTARIO / GATINEAU REGIONS RICHMOND • RICHMOND GATE New! Just opened! Bungalow semis in the town of Richmond. Sales office on site. longwoodbuilders.com/RichmondGate or email: SalesRichmond@longwoodbuilders.com. Call 613.444.0494.

MASTERCRAFT STARWOOD

PHOENIX HOMES

WEST CENTRAL • SOHO CHAMPAGNE Mastercraft Starwood’s SoHo Luxury Condominiums is pleased to announce its third Ottawa location: SoHo Champagne – just one block west of Preston St. in Little Italy. Register today to get an invite to our spring sales launch. sohochampagne.com

OTTAWA • SOHO LISGAR New release of suites on the 12th to 15th floors. The ultimate hotel-inspired lifestyle in a designer condominium, in the heart of downtown. Call 613.798.7646. soholisgar.com

MUSTANG RD • NAVAN Metric Homes’ last country estate lot in the East: beautiful fully treed and private 1/2 acre lot available to build your unique custom designed single family home. Meet the Metric team and let them design your new home at no charge to you.

STITTSVILLE • DEER RUN Metric introduces the Maplewood 1 model to its Deer Run community lineup. At 3,200 sq. ft. plus open space, this home features a open loft at the second floor, circular staircase and walk in closet in most bedrooms.

Visit the sales office on Rockson Crescent Saturdays and Sundays between noon and 5 p.m. or call 613.296.7000. Deer Run model home now open. metrichomes.com

WESTBORO 529 Broadhead Ave. two custom designed semi-detached homes on a 168-ft. deep infill lot. Innovative street friendly and appealing design. Two proposed concepts. The first purchaser will decide which concept will be built and will customize its new home. Priced in the $700,000s.

TAMARACK HOMES

MINTO

THE GLEBE • MINTO@LANSDOWNE Make your home in one of Ottawa’s premier neighbourhoods – the Glebe. Enjoy the best of modern living in harmony with historic surroundings, with all life’s essentials right at your doorstep. Move in as early as 2014. 613.788.2784. lansdowne.minto.com

MINTO/CANDEREL

WESTBORO • UPPERWEST A 25-storey landmark address in the heart of Westboro – just steps from upscale dining and shopping. Choose from stunning open concept suite designs, with sun drenched rooms and spectacular interior finishes. Enjoy state-of-the-art fitness centre, entertainment lounge plus an expansive outdoor terrace. 613.788.2786. liveupperwest.com

NEW EDINBURGH • MINTOBEECHWOOD New Edinburgh is one of Ottawa’s finest neighbourhoods. Where tradition meets modern, old meets new, home to eclectic shops and restaurants.

Spectacular new condominiums coming this September available from the mid $200,000s. Register now for priority preview: mintobeechwood.com KANATA • BLACKSTONE Executive 46-ft. singles from $441,990. Two-storey townhomes from the high $200,000s. 32-ft. singles with double car garages from the high $300,000s. 110 Westphalian Ave., Kanata, 613.831.2619. Register at monarchgroup.net

BARRHAVEN • LONGFIELDS Courtyard townhomes with double car garages from the low $300,000s.

Semi-detached homes with double car garages from the high $300,000s.

280 Longfields Dr., Nepean, 613.569.5313.

LEITRUM • FINDLAY CREEK Grand opening! Five new decorated townhome models in Findlay Creek Village. Call 613.247.0081 or visit tamarackhomes.com ORLEANS • CHAPARAL Grand opening, new gallery townhomes from $279,900 Call 613.837.1511 or visit tamarackhomes.com

OTTAWA • CARDINAL CREEK VILLAGE Grand Opening! Cardinal Creek Village. Discover a land rich in heritage and lush with vistas... a rolling landscape of walking trails and rugged ravines. Where the views of distant hills and nearby waterways frame each day, Discover Cardinal Creek Village, Ottawa’s next great community.

Singles, bungalow and townhomes. Contact: Noella Francoeur at nfrancoeur@tamarackhomes.com Joy Kerr at jkerr@tamarackhomes.com 613.573.8228. Sales Centre 1123 Old Montreal Rd. Visit tamarackhomes.com OTTAWA • TAMARACK WELLINGTON Grand Opening! Tamarack Wellington. Historic industrial meets artistic modern in the heart of Ottawa’s hippest neighbourhood. Steps from an eclectic mix of galleries, boutiques and eateries, Tamarack Wellington’s design pays homage to the history of Hintonburg, for an industrial loft look that’s crisp, urban and unabashedly modern.

52 units over six floors in first phase. Designed by Barry J. Hobin Architects. Next to the old Grace Hospital. Contact: Anna Paquette at apaquette@tamarackhomes.com 613.422.5925. Sales centre 1140 Wellington St. W., Ottawa. Visit tamarackhomes.com

UNIFORM URBAN DEVELOPMENTS

MONARCH CORP.

BARRHAVEN • FELTON COURT Nestled in the corner of Fallowfield Road and Strandherd Drive, with convenient access to the 416 and 417, Felton Court is a commuter’s dream. phoenixhomes.ca WESTBORO • RAVENHILL COMMON Only seven remain available. Freehold towns for fall 2014 occupancy.

Designed by Barry J. Hobin & Associates Architects Inc. Located just two blocks from the heart of Westboro, stunning open concept two- and three-bedroom homes from 1,756 to 1,948 sq. ft. Direct access from underground parking garage, two-storey galleries and open lofts, private rear terrace and roof top decks. Ravenhill Common, Contemporary Brownstones – Churchill Ave. North, one block south of Byron at Ravenhill Presentation Centre located at 329 Richmond Rd. at the corner of Churchill Ave. North. ravenhillcommon.com. Sales information: 613.825.0080 or email salesinfo@ravenhillcommon.com

CARP • WESTLAKE SOUTH ESTATES Westlake Estates offers 22 estate lots on two to four acres on a private cul-de-sac and most lots are tree-covered.

ALMONTE • WHITE TAIL RIDGE Small town feel with all the amenities of a big city and the largest lots available anywhere. Contact Liane McKinley 613.369.5842.

SPRINGCRESS

METRIC HOMES

NEPEAN • STONEBRIDGE Ottawa’s award-winning golf course community. Luxurious singles from the mid $400,000s. Executive townhomes from high $200,000s.

Stacked townhomes from the low $200,000s. 610 Kilbirnie Dr., Nepean.

613.692.9280. monarchgroup.net

BARRHAVEN • THE ORCHARD Grand opening for The Orchard in Barrhaven South, near Stonebridge.

Single-family homes starting from $519,000. 3699 Jockvale Rd. uniformdevelopments.com

MANOTICK • MAPLE CREEK ESTATES Stunning estate lot community with a close connection to the city – the best of both worlds. Two model homes open for viewing.

Call 613.491.2277.

KANATA • RICHARDSON RIDGE Single-family homes starting from $497,000. Sales centre located at the corner of Terry Fox Drive and Richardson Side Road. Call 613.853.4302.

KANATA • RICHARDSON RIDGE Three stunning model homes now open. 100 Grand Manan Circle (corner of Hunstville Drive and Grand Manan Circle.) 613.435.7751. Open Monday to Thursday noon to 7 p.m., Friday to Sunday noon to 5 p.m., holidays noon to 5 p.m.

BARRHAVEN • THE ORCHARD Stunning new townhome product now available for sale along with a new lot release. 3699 Jockvale Rd. 613.608.8079. Open Monday to Thursday noon to 7 p.m., Friday to Sunday noon to 5 p.m., holidays noon to 5 p.m.

VALECRAFT HOMES

MER BLEUE/ORLÉANS • BRADLEY ESTATES New release of single-family homes and executive townhomes. New to Bradley Estates: nine redesigned models with full-brick fronts and stone skirts. valecraft.com SEPT 20 - OCT 4, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 39

ac he d i m

Site Name

Se

Builder Name

De t

Location

Bu ng To alo w w nh Ad om ul e/ t C Li on fe d st o yl e

ADVERTISERS INDEX

Prices

Page

WEST Carleton Place

CARDEL

Stonewater Bay

Inquire

12

Carp

METRIC

Westlake South Estate

x

Inquire

19

Kanata

CARDEL

Blackstone

Inquire

12

Kanata

CARDEL

Richardson Ridge

Inquire

12

Kanata

GLENVIEW

Monahan Landing

x x

From $280's

17

Kanata

MATTAMY

Fairwinds

x x

From $224,990

6, 7

Kanata

MATTAMY

Monahan Landing x

From $224,990

6, 7

Kanata

MINTO

Arcadia

x

Kanata

MONARCH

Blackstone

x

Inquire

4, 5

Kanata

TAMARACK

Pool Creek Village

x x

Inquire

BC

Kanata

UNIFORM DEVELOPMENTS

Richardson Ridge

Inquire

8, 9

Kanata

UNIFORM DEVELOPMENTS

The Orchard

x

Inquire

8, 9

Stittsville

CARDEL

Deer Run

x

Inquire

12

Stittsville

METRIC

Arbourbrook Estates x

Inquire

19

Westboro

SPRINGCRESS

Ravenhill Common x

From $699,900

23

From $281,900

13

Inquire

12

x

From mid $200's

10, 11

SOUTH Barhaven

CLARIDGE HOMES

West Pointe Village

x x x

Barrhaven

CARDEL

Longfields x

Barrhaven

MATTAMY

Half moon Bay

Barrhaven

MONARCH

Barrhaven

$219,990

6, 7

Longfields x x

From $329,990

4, 5

PHOENIX

Sawgrass x

From $289,900

21

Barrhaven

TAMARACK

The Meadows

x x x x

Inquire

BC

Leitrim

LEMAY HOMES

Findlay by The Park

x x x

From $324,900

25

Leitrim

TAMARACK

Findlay Creek

x x

Inquire

BC

Manotick

MINTO

Mahogany

x

Inquire

3

Nepean

MONARCH

Stonebridge

x x

Inquire

4, 5

Nepean

MONARCH

The Links x

Low $200's

4, 5

Richmond

METRIC

King's Grant

40 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

x x

x x x

Inquire

19

ac he d i m

Site Name

Se

Builder Name

De t

Location

Bu ng To alo w w nh Ad om ul e/ t C Li on fe d st o yl e

ADVERTISERS INDEX

Prices

Page

CENTRAL Central

ASHCROFT

The Next x

Inquire

IBC

Central

BRIGIL

121 Parkdale x

Inquire

16

QUEBEC Quebec

BRIGIL

Domaine du Vieux-port x

From $252,800

16

EAST Cumberland

METRIC

Camelot Estates

x

Inquire

19

East Orleans

TAMARACK

Cardinal Creek Village

x x x x

From $322,900

BC

Navan

CLARIDGE

Spring Valley Trails

x x x

From $276,900

13

Orleans

METRIC

Notting Hill

x x

Inquire

19

Orleans

MINTO

Avalon x

Inquire

IFC

Orleans

TAMARACK

Chaperal

Inquire

BC

Vanier

BRIGIL

Jardins McConnell x

From $260,781

16

x x x x x

CONDO Barrhaven

CAMPANALE

Longfields x

Inquire

C4

Central

CLARIDGE HOMES

Icon x

Inquire

C11

Central

SOHO PARKWAY

Soho Lisgar x

Inquire

C21

Central

THEBERGE HOMES

Alta Vista Ridge x

Inquire

C19

Downtown

URBAN CAPITAL

Hideaway x

From $219,900

C9

Kanata

CARDEL

Kol at Blackstone x

Inquire

C2

Orleans

CARDEL

Notting Hill x

Inquire

C2

Orleans Domicile

Crème x

Inquire

C5

Ottawa Central

MASTERCRAFT STARWOOD

Soho Champagne x

Inquire

C10

Ottawa Central

MINTO

Landsdowne x

Inquire

C13

Ottawa Central

RICHCRAFT

The Galleria x

Inquire

C17

Ottawa Central

URBAN CAPITAL

Smarthome x

From $179,900

C24

Ottawa West

MINTO

Upper West x

Inquire

C12

South Ottawa

THEBERGE HOMES

Hunt Club x

Inquire

C23

West Orleans

BRIGIL

Petrie's Landing x

From $181,800

16

West Ottawa

QUALICUM

Woods Crossing x

Inquire

C3

SEPT 20 - OCT 4, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 41

Please see advertisers ads for Site locations

42 NEW HOME & CONDO GUIDE EASTERN ONTARIO | SEPT 20 - OCT 4, 2014

7

Darling

17

Almonte

WEST

15

North Gower

Richmond

SOUTH

29

416

Manotick

16

Vernon

Russell

Embrun

Iroquois

Morrisburg

31

EAST

Rockland

Morewood

Cardinal

Osgoode

Greely

Kemptville

Nepean

Smith Falls Merrickville

7

Vanier

Cumberland

Orleans

CENTRAL Gloucester

OTTAWA

Hull

Aylmer

Gatineau

Stittsville Barrhaven

Kanata

Carp

South Elmsley

Carleton Place

Bathurst

McNab

Arnprior

GATINEAU

QUEBEC

417

Casselman

KEY MAP Stittsville, Carlton Place, West Carlton, Nepean, Kanata, Richmond, Riverside South, Barrhaven, North Gower, Greely, Kemptville, Morewood, Orleans, Embrun, Russell, Rockland, Aylmer, Hull, Gatineau.

401

PURCHASE TODAY AT 2013 RATES. THIS OPPORTUNITY WILL NOT LAST LONG.

You want to live where downtown spirit meets community character.

Where your prime location is your pathway to the best of Ottawa.

Where bountiful green space blends naturally into your day.

Where smart design shapes the experience outside and in. Where everything just clicks.

SMART CONDO LIVING AT THE HEART OF CENTRAL PARK ON MERIVALE. STARTING AT MID $200s.

QWest READY for Occupancy this Fall.

Purchase today at 2013 prices.

Jump the Q to savings!

RICHMOND & I S L A N D PA R K

Purchase a suite at 111 Richmond Road with only a $1,000.00 deposit.

Visit the Presentation Centre today for details.

LiveQWest.com Discover

West and

the excitement.

This revolutionary community is set to redefine living space in Ottawa. the beauty: brilliantly well-planned spaces, sleek finishes, beautiful views. the inspiration: art, culture and some of the city’s best shopping, restaurants and cafés right at your doorstep. Q the luxury: innovative features and services built in to a seamless residential experience.

At Q West in Westboro, it all comes together to create an entirely new, vibrant lifestyle. You’ve never seen anything like it, and it’s how you want to live now.

the new you.

ashcroft-homes.com benext.ca

613-221-5913

SALES CENTRE: 300 Central Park Drive

LiveQWest.com 613-221-5926 SALES CENTRE: 101 Richmond Road Monday–Thursday noon–6, Saturday & Sunday noon–5, Closed Fridays

taste of

HINTONBURG Tantalizing tastes, arousing aromas and tempting treats!

It's the Taste of Hintonburg and it's drawing foodies from all over. Make yourself at home at Tamarack Wellington and they're all but a short stroll away.

Tour our fabulous Model Suite and we'll reward you with a $25 gift card for a Taste Of Hintonburg. Hurry, this offer is for a limited time only, and only one gift card per family. See sales representative for details.

FREE!

52 URBAN SUITES IN THE HEART OF HINTONBURG FROM $271,900

www.tamarackwellington.com 1140 Wellington West