Eastern Ontario New Home & Condo Guide - Nov 11, 2017

NOV 11 – 25, 2017 | nexthome.ca

EASTERN ONTARIO EDITION

SPE CI A

Connecting Canadians to new HOMES & CONDOS for more than 25 years L

OUT SEC TIO LLPU N

INSIDE:

Q&A MORTGAGE EXPERT CALUM ROSS

ND

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T LIGHOS T O SP COND ON EATURING O INIUM C

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RELEASING THE CREATIVITY OF THE HOME BUILDING INDUSTRY

Sign up for the latest news and incentives at mintobeechwood.com

Westward Model Suite | 2,059 sq. ft.

SALES CENTRE 411 MacKay Street Ottawa, ON K1M 2C5 *See sales representative for details. E.&O.E.

HOURS Monday – Wednesday: 11 am to 7 pm Thursday & Friday: Closed Weekends & Holidays: 11 am to 5 pm

Live without compromise at Minto Beechwood Your naturally bright and beautifully spacious condominium is yours to enjoy in charming and coveted New Edinburgh.

Six great suites remaining, move-in ready and minutes away from the best the city has to offer.

Suites starting from

$354,900 Free parking and locker for select suites.*

Tour designer decorated model suites at 411 MacKay Street.

mintobeechwood.com

INCLUDED FEATURES, INCREDIBLE VALUE

FANTASTIC INCLUDED HOME FEATURES & UP TO $15,000 IN DESIGN STUDIO CREDITS

ORLÉANS Townhomes

Detached Homes

From 239,990

From $358,990

$

SALES CENTRE 2496 Tenth Line Rd • 613-837-5056

36' Detached Home, The Parkside ‘C’, 2,669 Sq.Ft. $501,163

43' Detached Home, The Walnut ‘B’, 3,218 Sq.Ft. $559,990

Includes: 9' Main Floor Ceilings, Curved Staircase, Rec. Room Ready, Loft in Lieu of Bedroom 4 & $15,000 at Décor

Includes: 9' Ceilings on Main & Second Floor, Rec. Room Ready, Waived Premium, Alternate Kitchen & $10,000 at Décor

SALES CENTRE HOURS MODEL HOME HOURS

Monday - Thursday 1 pm-8 pm; Friday 1 pm-6 pm; Saturday, Sunday and Holidays 11 am-6 pm Monday - Thursday 1 pm-7:30 pm; Friday 1 pm-5:30 pm; Saturday, Sunday and Holidays 11 am-5:30 pm

Sycamore Model Home in Summerside West, Orléans

ELEVATION ‘B REV’ ELEV. B REV.

Village Home, The Thornbury End ‘B1’, 1,391 Sq.Ft. $259,990 Includes: 3 Stainless Steel Appliances, Master Ensuite & $10,000 at Décor

ELEVATION A

Two-Storey Executive Townhome, The Chestnut ‘A’, 1,242 Sq.Ft. $291,990 Includes: 3 Stainless Steel Appliances, 9' Ceilings on Main Floor, Bath Oasis, Gas Fireplace & $10,000 at Décor

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

Exclusive Zen Urban Flats Deal your Zen Urban Flat when you SAVE $10,000 on buy before THE END OF 2017!*

Sundance Zen Urban Flats Sundance is the perfect blend of nature and convenience of urban living. Rife with greenery, playgrounds, and community life, this area is quickly becoming Ottawa’s number one choice for families. One listen to the murmurs of Findlay Creek, or the feeling of a warm summer’s breeze on nearby trails will have your entire family enamoured with this charming community. Coupling proximity to schools and bus routes with forests and creeks, Sundance is the perfect community in which to live, play, and grow.

Visit our sales centre and ask our representative for more details on how you can save $10,000 on your purchase today!* 779 Fiddlehead St., Bank St South 613-425-1332

*Exclusive Zen Urban Flat deal applies to units in Building E only. Conditions apply, please contact a sales representative for more details.

Move in ready homes across the city As Ottawa’s largest builder of homes and condominiums we have plenty of move in ready homes waiting for you across the city. Ready immediately, or in as little as 4 months, we have homes big and small that will fit every unique lifestyle.

RESOLVE Findlay Creek

THE MOONEY’S BAY Hunt Club

940 SQ FT Zen Urban Flat uilding E Level 1 Unit 1) Fully Furnished Only $219,900

Immediate Availability 990 SQ FT 2 Bed Condo Flat (Block B Unit 104) Only $277,900

MELBOURNE Riverside South

JUNIPER Available Early 2018 3185 SQ FT Single Home (Lot 84) $15K Design Centre Bonus Only $748,000

Available October 2017 1840 SQ FT 3 Storey Townhome (Block 2 Unit 8) End Unit Only $369,900

COLTON B Navan

SUMMIT Kanata

Close in 2 months 2250 SQ FT Single Home (Lot 2023) Only $496,900

Available in 5 months 2325 SQ FT Townhome (Block 15 Unit 82) End Unit Only $386,900

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

NOV 11 – 25, 2017 | VOLUME 17 ISSUE 21

CONTENTS

VICE-PRESIDENT & CHIEF PUBLISHING OFFICER

Caroline Andrews PUBLISHER & GENERAL MANAGER

Shawn Woodford ASSOCIATE PUBLISHER

Anne-Marie Breen DIRECTOR OF CONTENT & EDITOR-IN-CHIEF

Jennifer Reynolds MANAGING EDITOR

Wayne Karl ART DIRECTOR

Tammy Leung CONTRIBUTING EDITORS

Sonia Bell Marlene Eisner Elisa Krovblit Keay SALES MANAGER, EASTERN ONTARIO

Paul Bimm paul.bimm@nexthome.ca SALES & MARKETING CO-ORDINATOR

Sarah Khan

18

ON THE COVER:

ADVICE

Cardel Homes

C2 Tarion Report

Above and beyond: How Tarion helps homebuyers

Fall into Blackstone SPOTLIGHT ON CONDOS

BY HOWARD BOGACH

C8 GOHBA Report

Releasing the creativity of the home building industry

Your guide to new condo communities in the Gatineau and Greater Ottawa Area

C4 Claridge Homes

Stirling Park Condominiums: Built with you in mind

16 Greatwise

Fresh Towns a huge hit with homebuyers

8 NextHome.ca

John Jenkins

PRODUCTION MANAGER

Anthony Majetic PRODUCTION CO-ORDINATOR

Dennis Ng GRAPHIC DESIGNER

Dennis Ng Published by

A brand of Yellow Pages Homes Ltd.

BY MARNIE BENNETT

Advertising Call 416.626.4200 for advertising rates and information.

A marriage of tastes: When two homes become one

26 Calum Ross

PROPERTY PROFILES

NATIONAL CIRCULATION MANAGER

Home Smarts

Q&A

C4

Dwayne Rutherford

#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 nexthome.ca

BY JOHN HERBERT

21

SENIOR MANAGER, DISTRIBUTION

Wealth planner and mortgage broker

IN EVERY ISSUE

20 Editor’s Note 22 Hot Properties 24 Advertisers Index

Circulation Highly targeted, free distribution system aimed at real estate buyers using street level boxes and racking, plus door-to-door insertions in key audience segments.

Call 1.855.826.4200 to discuss distribution opportunities.

Copyright 2017 All rights reserved by Yellow Pages Homes Ltd. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.

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

E. & O. E. Editorial Submissions from interested parties will be considered. Please submit to the editor at wayne.karl@nexthome.ca

EMBRACE YOUR PATH. Grand Opening Continues!

After searching far and wide for the perfect new home, your hunt ends here at Pathways at Findlay Creek by eQ Homes.

Enrich your life with your choice of any of eQ Homes’ three sensational housing styles, all offering outstanding value for families, downsizers and first-time buyers alike.

eqhomes.ca

Townhomes from the low

300’s

$

Sales Centre Located @ 4828 Bank St., Ottawa, Ontario

613-822-7247 | sales@eqpathways.ca Prices and specifications are subject to change without notice. Rendering is artist’s concept. E.&O.E.

from the low

Singles

400’s

$

OUR BUNGALOW TOWNHOME WINS!

The Mann, won best Production Home: Attached (2,000 sq. ft. or less) at The Greater Ottawa Home Builders’ Association Housing Design Awards.

W in your

MORTGAGE PAYMENTS F O R A YECOANTRES!T

Selling The Mann at Rathwell Landing 1877 Stittsville Main St. Call (613) 435-8141 THE MANN - 2 OR 3 BEDROOMS - 2 BATHROOMS - 1522 SQ. FT. (Incl. 389 sq.ft Basement)

valecraft.com

* See sales consultant for details. Prices, terms and specifications are subject to change without notice. E & O.E. * No purchase necessary. Internet access may be required. Enter December 13th, 2016 – December 12th, 2017 for a chance to win. Prize Draw Dec. 14th, 2017. Only open to homeowners who bought or will buy a new Valecraft Home in Ottawa or Embrun between December 13th, 2016 – December 12th, 2017, who will have a mortgage on it in 2018 and who are legal residents of Ontario over the age of majority. Limit of one (1) entry per Mortgagor as defined. Skill-testing question and Release required. One Prize of mortgage payments up to $1,500/month during 2018 (ARV $18,000). Odds of winning depend on number of eligible entries received. Restrictions apply. Full rules and entry information at valecraft.com.

SPOTLIGHT ON

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IN THIS SECTION

YOUR PULL-OUT GUIDE TO HIGHRISE, CONVERSION, LOFT, TERRACE & TOWNHOME CONDO PROJECTS

ADVICE | TARION REPORT

ABOVE & BEYOND HOW TARION CAN HELP NEW-HOME BUYERS

SPOTLIGHT ON

CONDOS

HOWARD BOGACH

When you’re buying a new home, it’s easy to suffer information overload. You need to track details on financing, insurance, services, taxes and last but certainly not least, your new home warranty.

Every new-home owner should receive a New Homeowner Information Package from their builder. It will outline the package of warranties that protects you for up to seven years and $300,000 in coverage.

Most builders will take the time to explain your warranty coverage – but some do not. Fortunately, we have an outstanding customer service team that is always ready to help.

As of June of this year, our team had already fielded 23,960 phone calls, 10,734 emails and 1,064 online chats. Approximately two-thirds of all these inquiries came from homeowners, many of whom needed advice on how their warranty works.

Our call centre reps say the two most common questions we receive from new home or condo owners are: “When can I report issues with my home?” and “How do I do it?”

As a homeowner, you need to protect your rights. We can help you do that by cataloguing any deficiencies in your home through the warranty forms you submit to Tarion. The best – and

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most popular – way to do that is through MyHome, Tarion’s online portal for managing your warranty.

The first year of homeownership is a critical time to report any problems you have with the construction and function of your home. You can submit two forms in the first year after you take possession of your home – one within the first 30 days and one within the last 30 days. Missing these deadlines could mean that you’ll have to wait longer to have these issues addressed.

Unfortunately, we find some homeowners are reluctant to submit warranty forms to Tarion because they are concerned that this will have a negative impact on their relationship with their builder.

In school, we were taught that being a “tattletale” was a bad thing.

What we explain to homeowners is that a warranty form provides a written record of issues in your home so that you have a recourse if

your builder does not resolve them.

Responsible builders will address warranty issues in a timely manner, but if your builder doesn’t, the forms you submit help us help you.

Every day, we work with newhome owners to answer questions, resolve issues and help ensure their homes are safe and protected.

Our reward is comments such as this one from a happy homeowner: “We cannot emphasize enough the fact that Tarion staff went above and beyond for us, and for that we are very grateful.”

Howard Bogach is president and CEO of Tarion Warranty Corp. For more information, visit tarion.com or find on Facebook at facebook.com/ TarionWarrantyCorp.

+MORE ADVICE ONLINE nexthome.ca/news/advice

Last month, they broke ground on a bridge to Lansdowne.

It’s just around the corner.

CONDOS

223 Main St. | 613-806-6246 | cornersonmain.ca

SPOTLIGHT ON

Large condos in Old Ottawa East

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PROPERTY PROFILE

STIRLING PARK CONDOMINIUMS

SPOTLIGHT ON

CONDOS

BUILT WITH YOU IN MIND

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the bathroom all add to the fresh design of the space.

The amenities at this building are an added bonus. Relax after a long day in the indoor pool; burn off some energy in the fitness centre, or invite your family and friends over for celebrations in the large party room.

Stirling Park is conveniently situated across from the newly renovated Merivale Mall and just a few minutes drive from Costco and Algonquin College. The 417 is also only a short distance away which means the rest of the city is quickly and easily accessible.

Stirling Park offers a wonderful community that strives to make life better, and easier, for all of its residents. There are countless options for leisure, shopping, education, healthcare, recreation and entertainment. With nearby parks, schools and soccer fields, there are also plenty of places to be enjoyed by children and those young at heart.

Claridge Homes offers the lifestyle you want, at a price you

can afford. Not only does Claridge deliver some of the best locations for new condos in Ottawa, it also includes a variety of luxurious features as part of its standard package. By offering top locations and value to its customers, Claridge has emerged as one of Ottawa’s premiere builders and the natural choice for buyers pursuing exceptional living.

Mention this article in NextHome magazine and get $1,000 off your new condominium at Stirling Park.

For more information on Stirling Park Condominiums, please visit claridgestirlingpark.com, or visit the model suites at the sales centre.

+

LOCATION Ottawa DEVELOPER Claridge Homes

SPOTLIGHT ON

Located just off Merivale Road, the Stirling Park condominium complex is the perfect combination of elegance, style, and modern charm. Whether you are looking for your first property, or starting a new carefree chapter of your life, Stirling Park provides the comfort and convenience you want at a price you can afford.

This 139-suite condo building offers a variety of one- and twobedroom floorplans ranging from 715 to 1,260 sq. ft. Buy before the end of the year and you can save $20,000 on any two-bedroom floorplan.

Life at Stirling Park is all about living your best life. You’ll enjoy spacious units with the latest conveniences at a very reasonable cost. These suites are built to impress. Expansive windows provide ample light in the bright and spacious rooms. Cook up a fabulous meal in your new luxurious, granite counter, openconcept kitchen. Sleek hardwood in the living areas, backsplash in the kitchen, and stylish tiles in

DEVELOPMENT Stirling Park HOME TYPE Condominiums

SALES CENTRE

CONTACT 613.224.0330 claridgestirlingpark.com

CONDOS

107-330 Titan Private, open Saturday & Sunday noon to 5 p.m., Monday to Wednesday noon to 7 p.m., closed Thursday & Friday & holidays

NOV. 11-25, 2017 C5

613-224-0330 claridgestirlingpark.com

SAVE $20,000

SPOTLIGHT ON

CONDOS

See sales representative for more details.

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Located in the heart of Nepean, Stirling Park is surrounded by all the stores and services you’d ever need. As the hub of a major city centre, you can happily enjoy all the benefits this community brings.

1 & 2 bedroom units starting from $289,000

MOVE IN READY LOCATIONS

AROUND THE CITY $ 2OF

0KF*

0KF*

$ 4OF

WATERSTREET

TRIBECA EAST

Studio, 1 & 2 bedroom units starting from $255,000

1 & 2 bedroom units starting from $345,000

300 Lett Street 613-232-2049

112-316 Bruyère Street 613-680-6560

56 Nepean Street 613-234-1780

STIRLING PARK

CLARIDGE PLAZA

CLARIDGE ICON

1 & 2 bedroom units starting from $289,000

Studio, 1 & 2 bedroom units starting from $251,000

1 & 2 bedroom units starting from $301,000

107-330 Titan Private 613-224-0330

244 Rideau Street 613-241-3235

485 Preston Street 613-695-1441

0KF*

$ 2OF

N R TIO DEUC UNSTR N CO

FUSION 2 & 3 bedroom units starting from $484,000

* 20K and 40K deals valid for corresponding buildings only. Valid until the end of 2017.

Conditions apply, contact a sales representative for more details.

URBAN OASIS ON THE EDGE OF DOWNTOWN

SAVE $40,000

WHEN YOU PURCHASE ANY TWO BEDROOM CONDOMINIUM OR BOUTIQUE TOWNHOME! Purchase and close before the end of 2017. Conditions apply, see sales representative for more details.

CONDOS

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

SPOTLIGHT ON

FIND YOUR

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ADVICE | GOHBA REPORT

RELEASING THE CREATIVITY OF

OTTAWA’S HOME BUILDING INDUSTRY

SPOTLIGHT ON

CONDOS

JOHN HERBERT Ottawa has a proud tradition of innovation in home building, as demonstrated at the recent GOHBA Design Awards Gala. Historically, Tartan Homes, Tamarack Homes, and Urbandale Homes were the earliest adopters of Energy Star which became the mainstream building standard. The Kanata Lakes project was the first development project to adopt large-scale storm water management ponds. Minto’s Arcadia community is pioneering urban city design and lifestyle in our suburbs.

The City of Ottawa plays a central role in shaping the dynamism of our industry. We need to work together to develop policies and programs that will drive innovation in Ottawa’s home building industry, not hamper it.

Here are three things the City can do to help unleash the vitality of Ottawa’s home building industry: 1. ADOPT A FLEXIBLE APPROACH TO DESIGN

In 2003, the City of Ottawa adopted its intensification policy, driving growth inside, instead of outside, the Greenbelt. Ottawa’s home building industry adapted to this policy by focussing on highrise condos and infill development projects.

Unfortunately, intensification was not accompanied by a comprehensive zoning by-law that supported the shift to highrise

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building and infill development. The practical result was home builders operating under a set of rules ill-suited to intensification. This led to a rapid increase in demands for zoning variances from home builders responding to the push for intensification.

At the same time, intensification was being challenged by community residents who were upset with the pace of change in their established neighbourhoods.

As a consequence, re-zoning applications became a battleground over Ottawa’s intensification policy.

“Stop over-development in our neighbourhood” signs started sprouting up all over the city.

The City of Ottawa revised its Official Plan in 2014 to include a rigid approach to rules governing building heights, design and density. “The drive to certainty” was the catchphrase used by supporters of this approach, but as expected by industry, it has stifled innovation in home building, infill design and is now even being extended to Tall Buildings through a new regime of design guidelines being developed.

Rigid rules means less choice and less innovation. Creativity needs flexibility, not rigidity.

2. REDUCE RED TAPE

In 2001, the municipalities of Ottawa-Carleton, including Ottawa, Cumberland, Osgoode, Rideau, Goulbourn, West-Carleton, Nepean, Kanata, Gloucester, Vanier and Rockcliffe Park, were amalgamated to form the City of Ottawa.

Prior to 2001, it took two to three years for a home builder to receive

all subdivision approvals necessary to divide a large parcel of land into smaller lots that can then be sold separately for new homes. Today, it takes five to seven years for these same approvals to be provided by the City of Ottawa. Practically speaking this means that people aren’t working and that the cost of building new homes increases as land sits idle.

Why is it taking so long to get a plan of subdivision approved in Ottawa? For starters, there is a lot more provincial and municipal

“

The supply of land has a significant impact on housing in Ottawa.

”

regulation today than there was 14 years ago. While these regulations are well intentioned and designed to protect the public interest, they are also having a negative impact on homebuyers in Ottawa.

Another reason for the delay lays in the elimination of competition.

Prior to amalgamation, cities competed for home building activity. They actively sought homebuilders and worked with them to create the conditions for innovation. With amalgamation, the newly-formed City of Ottawa …continued on page C10

NOW UNDER CONSTRUCTION!

The River Terraces at Greystone, nestled between the Rideau River and the Rideau Canal. A nine-storey condominium featuring designerappointed bachelor to two bedroom plus den residences with expansive terrace views. Savor gracious living at an address surrounded by all that Greystone Village has to offer, just minutes from downtown.

Illustrations are Artist’s Concept.

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

CONDOS

VISIT THE PRESENTATION CENTRE DESIGNER MODEL SUITE TODAY GREYSTONEVILLAGE.CA

SPOTLIGHT ON

CONDOMINIUMS BY THE RIVER FROM THE LOW $200’s

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SPOTLIGHT ON

CONDOS

…continued from page C8

became the only choice for home builders seeking to build in the National Capital Region.

While we are not calling for de-amalgamation, it’s helpful to understand the situation so that we can work together on a solution. The first step in this journey is a conversation between the City, our community associations and Ottawa’s home building industry about reducing red tape.

3. INCREASE THE SUPPLY OF LAND FOR HOME BUILDING

The supply of land has a significant impact on housing in Ottawa.

The shortage of land in the GTA has been the primary reason for skyrocketing housing prices there and will eventually hit Ottawa if nothing is done. Ottawa’s population is projected to grow by 7,600 to 9,000 people per year.

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Population growth increases the demand for housing. The City’s policy has been to limit the supply of land for new home building outside the Greenbelt. When demand increases and supply does not, prices goes up.

The cost of land has had a significant impact on the vitality of Ottawa’s homebuilding industry and the choices available to consumers. There are fewer and fewer small and medium-sized home builders working in Ottawa as a result of the land shortage.

If we want more innovation and dynamism in home building, we need to increase the supply of land available to small and medium-sized home builders.

The City of Ottawa is currently launching a study called “Beyond 2036” which is intended to prepare the ground for the next Official Plan Review. This is the process through which industry, residents, and elected officials

can discuss bringing additional lands into the urban boundary to address the housing affordability and creativity challenges now being experienced.

HOW CAN YOU HELP?

Your city councillor is elected to bring your views to the decisionmaking table at City Hall. Next time you see her or him at an event or out on the street talk to them about the need to unleash the creative energy of Ottawa’s home builders.

Share this story with your social networks and help us get the conversation started. You can follow us on Twitter: @OHBA_Ottawa or on Facebook: @BuildingOttawa.

John Herbert is the Executive Director of the Greater Ottawa Homebuilders’ Association and has been active in municipal, provincial, national and international housing issues for almost 50 years.

Live and Play ON THE

SOUTH COAST OF CANADA TALL SHIPS LANDING IS LOCATED IN BROCKVILLE, CITY OF THE WORLD FAMOUS 1000 ISLANDS. TALL SHIPS COTTAGE-INIUMS™ COMBINE CAREFREE CONDO LIVING IN AN EXTRAORDINARY COASTAL RESORT, AFFORDING YOU MORE TIME FOR MAKING MEMORIES WITH FAMILY AND FRIENDS.

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SPOTLIGHT ON

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Co-operating Brokers Welcome

CONDOS

To book a viewing contact TallShipsLanding@Fuller.ca

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SPOTLIGHT ON

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YOU CAN BE IN YOUR NEW CONDO IN ONLY 2 WEEKS! DOWNTOWN LIVING + RICHCRAFT QUALITY • Rooftop pool, lounge, gym, and incredible views • Steps from LRT • European stainless steel appliances • Quartz counters • Hardwood throughout

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W C AT O E M R M FR U O N N IT T Y

From the

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*

DOMAINE DU VIEUX-PORT

9 KM FROM PARLIAMENT 1400 boul. St-Joseph, Gatineau

C O

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From the $260’s*

PETRIE’S LANDING 21 KM FROM PARLIAMENT

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From the $199’s*

SINGLE FAMILY HOMES Luxury homes near Gatineau Park CONDOS Rent your suite with loft & rooftop terrace

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PRESTIGE HOMES High-end homes in one of the most sought-after community CONDOS A waterfront paradise with urban lounge on the top floor

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CARLETON CROSSING 51 KM FROM PARLIAMENT

117 McGregor St., Carleton Place

From the $279’s*

460 ST-LAURENT 6,5 KM FROM PARLIAMENT 460 St-Laurent Blvd., Ottawa

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KANATA LAKES

26 KM FROM PARLIAMENT 126-4 Battersea Crescent , Ottawa

N

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Rent from $1,505*/mo.

HORIZON

8 KM FROM PARLIAMENT 354 #3 boul. des Grives, Gatineau

Rent from $940*/mo.

SINGLE FAMILY HOMES Luxury homes in a quiet neighbourhood CONDOS Rent your contemporaty suite now

CONDOS - ALL INCLUSIVE New hotel-inspired luxury condos ideal for professionals and young active retirees.

Included 5-star amenities and services.

CONDOS - ALL INCLUSIVE New luxury condos with common rooftop terrace & indoor parking. Also offers a fitness centre and amenitie room with kitchenette.

CONDOS - ALL INCLUSIVE New hotel-inspired luxury condos ideal for professionals and young active retirees.

Offers common area including a large rooftop terrace.

613.257.4079

613.454.1797

613.317.2438

819.772.4663

*See Sales Representative for details. Prices, specifications, features and offerings are subject to change without notice.

E & O.E. Promotions may be changed and/or cancelled at any time without notice.

brigil.com

PROPERTY PROFILE

OTTAWA LOVES FRESH TOWNS

LATEST BY GREATWISE IS A HUGE HIT WITH BUYERS On sale now in Ottawa’s increasingly popular west end, Greatwise Developments has its biggest hit ever with Fresh Towns.

Canada’s capital city is having a growth spurt, and in less than a month, eager buyers have already snapped more than 70 per cent of the community’s first phase.

Every indication points to the imminent release of the community’s second phase being met with the same enthusiasm.

With a unique urban design and highly desirable features, Fresh Towns offers a stunning contemporary option along with an irresistibly affordable price point.

As part of its innovative approach, Greatwise used online surveys from the earliest stages of development to help pinpoint precisely who their buyers are and what they are looking for – the best in modern living with an indoor/outdoor element and lots of opportunity to tailor their homes to suit their individual needs.

As a result of this inclusive approach, available models at Fresh Towns include three-storey Rooftop Towns, which offer 16 NextHome.ca

residents their own personal sanctuary overlooking this growing neighbourhood. Whether it’s morning coffee or a place to watch the sunset, imagine an oasis of your own, where you don’t even have to change out of your slippers.

Classically livable, traditionally configured three-storey towns are also available, and every model in both styles offers a private garage.

Features and finishes throughout are hand-picked to offer beauty and lasting value by Ottawa’s highly regarded West of Main Interior Design. With designer backsplashes and counters, engineered hardwood floors and interior colour palettes as fresh as the community’s name, buyers can also custom-tailor their living spaces through lifestyle finishes packages.

The Fresh Towns’ Qualicum neighbourhood has everything residents want, especially families and first-time buyers, including proximity to schools, shops, transit and downtown, with easy access to Hwys. 416 and 417. The Bayshore Shopping Centre, Loblaws and Ikea are all nearby, as well as Morrison

Park, Andrew Haydon Park, Nepean Sailing Club and the Ottawa River, all big draws for those who love the great outdoors. For those looking for a delicious culinary experience, the area boasts numerous restaurants, clubs and pubs such as Moxie’s, Big Rig Kitchen & Brewery, and Bridgehead Coffee.

With all they have to offer, the incredible value at Fresh Towns starts in the low $300’s for more than 1,000 sq. ft., and although the largest units are a spacious 1,663 sq. ft., prices go up only into the $400’s.

This year, MoneySense magazine called Ottawa “unassailable” as the best place to live in all of Canada, and great communities like Fresh Towns are part of the reason why. With prices that make sense, a convenient location and indemand features, Fresh Towns by Greatwise Developments puts an entirely new spin on urban living.

Since construction is starting soon, those looking for an incredible ownership opportunity should take advantage of preconstruction prices. Find out more at the sales office located at 2795 Baseline Rd. or visit freshtowns.ca

FRESH & STRESS-FREE OV E R

7S0O% LD

OW THE L

300

FROM

$

*

’S

Welcome to the most sought-after and certainly the freshest townhouse community in Ottawa’s hot west end.

It’s all here: imaginative interiors, kitchens designed for the foodie in you, and an urban location that’s close to parks, schools, shops, transit, and Highway 416 & 417. With over 70% sold and pre-construction prices in effect, this is your opportunity to buy now and live stress-free.

IRIS ST BASELINE RD

HUNT CLUB RD

FRESHTOWNS.CA *Phase 1 is currently 70% sold.

Exclusive Listing Brokerage, Milborne Real Estate Inc. Brokers Protected.

Prices and specifications are subject to change without notice. Renderings are artist concept only. E. & O. E. 2017

GREENBANK RD

MORRISON DR

HWY 416

QUEENSWAY 417

2795 BASELINE RD. Mon. To Thurs.: 11AM - 6PM Sat. & Sun.: 11AM - 5PM Fri.: closed

N

PROPERTY PROFILE

BLACKSTONE IS TAKING SHAPE! BLACKSTONE IS MATURING AND PEOPLE ARE NOTICING.

+

LOCATION Kanata DEVELOPER Cardel Homes DEVELOPMENT Blackstone HOME TYPE Singles, Towns and Condos

SALES CENTRE

102 Westphalian Ave. Kanata Monday: 1-7 pm; Tuesday to Thrusday: 12-7pm; Friday-Sunday 12-5pm CONTACT 613.836.9521 cardelhomes.com 18 NextHome.ca

TO LEARN MORE ABOUT THIS REMARKABLE COMMUNITY AND MANY MORE, VISIT CARDELHOMES.COM AND REGISTER FOR UPDATES. With so many stunning home options in such an attractive community, it’s hard not to take notice! Distinctive features and an ideal location have made this community popular with buyers who are seeking a family-friendly neighbourhood that offers natural elements, access to great schools and quality-built homes.

These days, Blackstone buyers have even more to be excited about now that the community is well beyond the half way point and on its way to completion within the next few years. Sidewalks, ponds and walking trails meander among Blackstone’s paved streets and stylish homes from Cardel – the award-winning Ottawa builder that’s been bringing Blackstone to life since its launch in 2012.

Now in its fifth year, Blackstone has become one of the most sought-after addresses in Kanata South. Since the beginning, Cardel has had a vision for Blackstone that it knew would hit a chord with homebuyers. Located at Terry Fox Drive and Fernbank Road, only a short distance from the Queensway, Blackstone provides a comfortable commute to downtown and direct access to the Trans-Canada Trail. Ample park space, walking and biking trails, and urban conveniences make Blackstone a desirable

place to live. From first-timers and move-up clients to downsizers alike, this maturing community has something for everyone and continues to impress as more exciting products become available.

Each Cardel Home in Blackstone is designed for real life and real people, resulting in truly exceptional homes. Features such as premium interior finishes, oversized windows and an Energy Star package are just a few things that separate Cardel from its competitors. Each home is Energy Star ready – providing more energy savings every year. With the guidance of Cardel’s design team, customers can personalize their homes to reflect their personality and lifestyle.

With more than 2,800 sq. ft. of space, Cardel’s single-family homes in Blackstone feature open floorplans that encourage connections and exterior elevations that cast impressive curb appeal.

Buyers can choose between bungalow or two-storey style plans and lot sizes up to 46 ft. wide.

To add even more appeal to these custom builds, Cardel is currently including granite countertops with an undermount sink as well as $5,000 toward the design centre with every single-family home purchase. Keep your eye out for two brand new models coming this spring!

Looking for something a little cozier? Cardel’s Blackstone lineup also includes a range of modern townhomes – the perfect middle-ground between their single-family and condominium counterparts. These townhomes are one of the most popular choices in Blackstone. So much, in fact, that the first phases of these models are already sold out. Luckily, Cardel is set to release phase four in 2018. Each townhome boasts large windows that offer brilliant, natural light and gorgeous nine-ft. ceilings.

Cardel gives new meaning to carefree living with their stunning Blackstone Kol condominiums.

Not only are these condos maintenance-free and loaded with premium design features, for a limited time only, Cardel has lowered its required downpayment to $20,000. In addition, two show suites will be opening this December – just in time to foreshadow 10 units slated to be available for occupancy in January.

With so much to offer in Blackstone, it’s easy to see why Cardel’s award-winning designs have been so popular. Whether you’re a young family starting out, empty-nesters downsizing or anywhere in between, you’ll appreciate life at Blackstone.

NOV. 11-25, 2017 19

EDITOR’S NOTE

DON’T SWEAT THE STRESS TEST

WAYNE KARL MANAGING EDITOR NextHome EMAIL: Wayne.Karl@nexthome.ca TWITTER: @WayneKarl

If you’re in the market for a new home, you quite likely have heard about the upcoming “stress test” – as if buying a home isn’t already stressful enough. Effective Jan. 1, 2018, consumers who get uninsured mortgages – those with a down payment of 20 per cent or more – will have to qualify at a new minimum qualifying rate, which is the greater of the Bank of Canada’s five-year benchmark rate (4.89 per cent) or 200 basis points higher than their actual rate.

Essentially, this new rule “tests” buyers to make sure they can still afford their mortgage, should rates rise.

But wait a second. After back-to-back hikes in July and September, the BoC held rates in October, which means rates are stabilizing in the near term. So why this test, and why now?

For the moment, lower GDP growth may alleviate some of the pressure for another rate hike, but most experts predict rates to rise over the next two years. Canada Mortgage and Housing Corp., for one, foresees a five-year mortgage rate between 4.9 and 5.7 per cent in 2018, and between 5.2 and 6.2 per cent in 2019.

While this test may limit your buying power to some degree, it’s also intended to prevent you from purchasing more home than you can afford.

And there’s no stress in that.

+ABOVE & BEYOND HOW TARION CAN HELP NEW-HOME BUYERS

page C02

+ get social 20 NextHome.ca

Interact with us on social media: nexthome

ADVICE | HOME SMARTS

A MARRIAGE OF TASTES: WHEN TWO HOMES BECOME ONE

MARNIE BENNETT I spend a lot of time with couples who are buying their first home together. It’s often enlightening to watch them agree, disagree and compromise until they’ve found the home that clicks for both of them.

When the right decision has been made, both parties breathe a huge sigh of relief... for about two weeks.

Then it’s time for round two: Whose stuff do you keep?

Just a couple of generations ago, it was common for newlyweds to move straight from their parents’ homes into their own. That meant they needed everything, from teaspoons to a bedroom suite.

Couples collected their belongings together, virtually from scratch.

Today, this scenario is rare.

While singles may not own their own homes – though many do – nearly all have rented their own places and amassed a good deal of furniture and appliances along the way. And it’s human nature to become attached to our possessions.

In some cases, one partner owns the obviously superior dining table.

In others, when both partners love their belongings, there’s real potential for hurt feelings. My first rule of merging households: Be respectful. You don’t have to pretend to like the framed poster of dogs playing poker, but express your feelings as diplomatically as possible. Accept that compromise

is necessary on both sides. If you want to confiscate his decorative swords, you may have to surrender the dried flowers.

You may be surprised to find that combining your styles can work, if your pieces are good and the scale is right; pick up any decorating magazine and you’ll see antiques, vintage and contemporary furniture mingled together to beautiful effect. When your beloved things simply look wrong together, it may be necessary to “give” the bedroom to one partner while the other gets the living room.

Ideally, you can come up with a furniture placement plan and sell your unneeded possessions before the big move. When opinions clash over a specific item, though, biding your time can be a less painful way to resolve the issue.

As you naturally develop tastes in common, the pieces that don’t look quite right will migrate to the basement, replaced by newly

acquired pieces you both love.

And one day, you may find your patience rewarded with these wonderful words: “Whatever you like, honey.”

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 Marnie Bennett is a broker and CEO of the 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 two weekly radio shows Marnie’s Real Estate Hour and The Real Estate Edge, a millionaire real estate investor and a wealth management coach. bennettpros.com

+MORE ADVICE ONLINE nexthome.ca/news/advice

NOV. 11-25, 2017 21

HOT PROPERTIES

FIND YOUR NEXT HOME This page features the latest properties to keep your eye on in the Eastern Ontario area.

BLACKSTONE BY CARDEL HOMES

FELTON COURT

HARMONY

By: Minto City: Orléans Housing type: Singles, townhomes Contact: 613.834.6400 minto.com

By: Phoenix Homes City: Barrhaven Housing type: Townhomes Contact: phoenixhomes.ca

By: Minto City: Barrhaven Housing type: Singles, townhomes Contact: 613.789.7977 mintoharmony.com

AVIATION PRIVATE

By: Greatwise City: Ottawa Housing type: Townhomes Contact: freshtowns.ca

AVALON ENCORE

By: Valecraft Homes City: Ottawa Housing type: Terrace Home Contact: 613.680.4771 valecraft.com

BLACKSTONE By: Cardel Homes City: Kanata Housing type: Singles, Towns, Condos Contact: 613.836.9521 cardelhomes.com

CARLETON CROSSING By: Brigil City: Stittsville Housing type: Singles Contact: 613.257.4079 brigil.com 22 NextHome.ca

FRESH TOWNS

GALLERY TOWNHOMES By: Tamarack Homes City: Orléans Housing type: Townhomes Contact: 613.422.5925 tamarackhomes.com

GREYSTONE By: eQ Homes City: Old Ottawa East Housing type: Singles, Condo, Townhomes Contact: 613.569.3043 greystonevillage.ca

ICON By: Claridge Homes City: Ottawa Housing type: Condominium Contact: 613.695.1441 claridgeicon.com

KOL By: Cardel Homes City: Blackstone Housing type: Condominiums Contact: 613.592.0062 cardelhomes.com

MAHOGANY By: Minto City: Manotick Housing type: Singles Contact: 613.788.2776 mintomahogany.com

STIRLING PARK BY CLARIDGE HOMES

ON HALF MOON BAY

STIRLING PARK

THE BOWERY CONDOS & LOFTS

By: Mattamy City: Barrhaven Housing type: Singles, townhomes Contact: 613.825.7932 mattamyhomes.com

By: Claridge Homes City: Nepean Housing type: Condominiums Contact: claridgestirlingpark.com

By: Richcraft City: Centretown Housing type: Condominiums Contact: 613.695.7577 thebowerycondos.ca

PATHWAYS AT FINDLAY CREEK By: Phoenix Homes City: Findlay Creek Housing type: Singles, urban flats and townhomes Contact: Susan Linton 613.219.6862 phoenixhomes.ca

POTTER’S KEY By: Minto City: Stittsville Housing type: Singles Contact: 613.788.2761 minto.com

RATHWELL LANDING By: Valecraft Homes City: Stittsville Housing type: Bungalows, townhomes Contact: 613.435.8141 valecraft.com

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SUNDANCE By: Claridge Homes City: Ottawa Housing type: Singles Contact: 613.425.1332 claridgehomes.com

TALL SHIPS LANDING By: Thomas Fuller Construction Ltd. City: Brockville Housing type: Condominium Contact: 613.498.7245 tallshipslanding@fuller.ca tallshipslanding.com

THE CORNERS ON MAIN By: Domicile City: Ottawa Housing type: Condominium Contact: 613.806.6246 cornersonmain.ca

TRIBECA LOFTS By: Claridge Homes City: Ottawa Housing type: Condominium Contact: 613.234.1780 claridgetribecalofts.com

TERRACES AT GREYSTONE By: eQ Homes City: Greystone Housing type: Condominium Contact: greystonevillage.ca

BUILDERS: IF YOU WOULD LIKE TO INCLUDE YOUR PREVIEW REGISTRATION, NEW RELEASE OR SITE OPENING IN THIS FEATURE, JUST EMAIL THE DETAILS TO SARAH.KHAN@NEXTHOME.CA NOV. 11-25, 2017 23

et a

Builder Name

Site Name

Almonte

Phoenix Homes

White Tail Ridge

x

Carleton Place

Brigil

Carleton Crossing

x

Carp

Phoenix Homes

Diamondview Estates

x

Hunt Club

Claridge Homes

Hunt Club Flats

Kanata

Claridge Homes

Bridlewood Trails

Kanata

Phoenix Homes

Fernbank

Kanata

Phoenix Homes

Terra Flats

Stittsville

Mattamy

Traditions II

Stittsville

Minto

Barrhaven

D

Location

c Se he m d B i un g To alo w w n A h om du e/ lt Li Co fe n st do yl e

INDEX OF ADVERTISERS

Prices

Page

WEST x

From $390's

12, 13

From $279's

15

From $400's

12, 13

x

From $277,900

6, 7

x

From $394,900

6, 7

From $350's

12, 13

x

From $200's

12, 13

x

x

From $321,990

4, 5

Potter's Key

x

x

From $344,900

2, 3

Claridge Homes

West Pointe Village

x

x

From $602,900

6, 7

Barrhaven

Minto

Quinn's Pointe

x

x

From $254,500

2, 3

Barrhaven

Minto

Harmony

x

x

Inquire

2, 3

Barrhaven

Phoenix Homes

Felton Court

x

From $270's

12, 13

Barrhaven

Phoenix Homes

Strandherd Meadows

Inquire

12, 13

Findlay Creek

Phoenix Homes

Pathways

x

From $200's

12, 13

Ottawa South

Claridge Homes

Summerhill Village

x

x

From $369,900

6, 7

Ottawa South

Claridge Homes

Sundance

x

From $592,900

6, 7

Brigil

Plateau Du Parc

From $360's

15

Navan

Claridge

Spring Valley Trails

x

x

From $343,900

6, 7

Orléans

Minto

Avalon Encore

x

x

From $285,900

2, 3

Orléans

Phoenix Homes

Halo Flats

x

From $200's

12, 13

Ottawa

Cardel Homes

Blackstone

Inquire

10, 11

Ottawa

Greatwise

Fresh Towns

From $300's

17

Rockcliffe

Claridge

Wateridge Village

From $748,900

6, 7

x

x x

x

x

SOUTH

x x

NORTH Gatineau

x

EAST

24 NextHome.ca

x x x

c Se he m d B i un g To alo w w n A h om du e/ lt Li Co fe n st do yl e

Site Name

et a

Builder Name

D

Location

Prices

Page

CENTRAL Ottawa

eQ Homes

Pathways

Ottawa

Valecraft

Aviation Private

Brockville

Fuller

Tall Ships Landing

Downtown

Claridge Homes

Downtown

x

x

From $300's

9

From $302,900

14

x

Inquire

C11

Icon

x

From $301,000

C6, C7

Claridge Homes

The Lofts

x

From $400's

C6, C7

Downtown

Claridge Homes

Tribeca

x

From $345,000

C6, C7

Downtown

Richcraft

The Bowery

x

From $194,000

C12

Gatineau

Brigil

Domaine Du Vieux-Port

x

From $260's

15

Gatineau

Brigil

Horizon

x

Inquire

15

Gatineau

Brigil

Jardins McConnell

x

Inquire

15

Orléans

Brigil

Petrie's Landing

x

From $199's

15

Ottawa Central

Brigil

Kanata Lakes

x

Inquire

15

Ottawa Central

Claridge Homes

Claridge Plaza 3 & 4

x

From $232,000

C6, C7

Ottawa Central

Claridge Homes

Fusion

x

From $282,000

C6, C7

Ottawa Central

Claridge Homes

Waterstreet

x

From $250,000

C6, C7

Ottawa East

Domicile Development Inc

Corner On Main

x

Inquire

C7

Ottawa West

Tamarack

Wellington

x

From $299,068

BC

West Nepean

Claridge Homes

Stirling Park

x

From $279,000

C6, C7

West Ottawa

eQ Homes

Terrace At Greystone

x

From $199,900

C9

x

CONDO

NOV. 11-25, 2017 25

THE LAST WORD

Q+A WITH CALUM ROSS, WEALTH PLANNER AND MORTGAGE BROKER, THE MORTGAGE MANAGEMENT GROUP, AND AUTHOR

by WAYNE KARL

possible. The decision to buy or rent for personal use should be driven primarily by your family needs. If your home equity is your most valuable asset, then you need to re-weight your asset allocation and fire your financial planner. I never see a very wealthy client with personal use real estate as the biggest part of their balance sheet. When I see someone with an expensive home and cottage, and the value outweighing other investment holdings, I immediately worry for their financial well-being as those represent high cost items (even without a mortgage) and can put a lot of strain on household income. Ironically, my wealthy real estate investors as a whole tend to have considerably cheaper principal residences than my other high net worth clients.

oss, mR r Calu Planne h t e l g a tga We Mor and roker B

NH: After years of historical low NextHome: In its latest Housing

Trends and Affordability Report, Royal Bank says housing affordability in Canada in the second quarter hit the worst level since 1990. How would you advise prospective homebuyers?

Calum Ross: I wouldn’t advise

them any differently than I would have in the past. Predicting interest rates and real estate market conditions in the long run is an impossible task. If you have a longterm hold piece of real estate, don’t be overly concerned with values. As we see interest rates 26 NextHome.ca

rise, real assets prices (including real estate) tend to go down.

However, most people seem to forget that real estate prices tend to rise quickly, but tend to be very sticky on the way down.

The reality is that a home should be shelter first and I personally don’t view my principal residence as investment. Even in periods of rising real estate values, it is difficult to make a profit with a short-term hold cycle. My advice is always do the math. Understand the theoretical cost benefit of renting versus buying, and then make the most informed decision

rates, the Bank of Canada has raised its overnight rate target twice in recent months. Are the days of low rates over?

CR: Answering this question worries me, as it is astonishing that people have lost a real perspective on historical interest rate realities when they consider current rates as anything other than extremely low.

NH: As mortgage rates rise, who’s

most at risk – homeowners with variable rate mortgages?

CR: Selecting a fixed or variable rate mortgage is not something

Interest Rates 8 7 6

per cent

5 4 3 2

Bank Rate

Conventional 1 year mortgage rate

Jan 2017

Jan 2016

Jan 2015

Jan 2014

Jan 2013

Jan 2012

Jan 2011

Jan 2010

Jan 2009

Jan 2008

Jan 2007

Jan 2006

0

Jan 2005

1

Conventional 5 year mortgage rate

Source: Bank of Canada

we suggest you do for a fit today (or over the next month or so), but something you select as fit for your financial philosophy and long-term objectives. You must be able to weather the good and bad to yield long-term benefits and costs on both sides of the spectrum of choices.

Choosing between a variable and fixed mortgage is easily the most debated mortgage question. There is no clear-cut answer, as it depends on the market at any given time, your risk tolerance and personal financial goals. A variable mortgage is just that – it fluctuates with market interest rates. It might not make sense for someone who would prefer the peace of mind that comes with a fixed mortgage payment.

A variable mortgage would make more sense, however, for someone who is more concerned with freeing up cash flow.

Historically, variable rates have proven less expensive over mortgage terms than fixed rates, but current market conditions may not warrant

reflection on the long-term historical perspective. The spread (difference) between variable and fixed rates is smaller than “normal,” and the consensus amongst economists is that interest rates will continue to rise.

What this means to mortgage consumers is that there is not as much of a payoff for taking variable, and the deck predicting rate direction is heavily stacked against you with interest rate futures predicting more rate increase.

NH: You recently said “neither

our government nor Canadian consumers can afford too much of a rate increase too fast – they are both in far too much debt.” That doesn’t sound good for the long term for either party… What’s the solution?

CR: The solution is based on stronger savings rates and a greater aversion for bad debt (debt that is not used for active wealth accumulation). There is just no way that our provincial and federal governments can continue to run deficits without

our country meeting a similar fate to Greece in the long-run.

Respectfully, there wouldn’t even be a remote chance that the Province of Ontario would qualify for even a subprime mortgage… and that should make people pause to think! Make no mistake about it: Our government policies are absolutely putting our country at risk of being unable to borrow money, downgrading our publicsector debts which would in the long term negatively impact our currency and severely impact the stability of our economy.

When it comes to consumers and consumer debt – the real safety comes from their household balance sheets. While household debts are at all-time highs, so are household net worth levels. In real terms, this means that if put under payment shock from rising interest rates then, while not ideal, they could liquidate assets and retire part or all their debts, which would allow a structural re-shift in payments and thus allow for a full crisis to be averted in most cases.

+FULL Q&A ONLINE

nexthome.ca/calum-ross

NOV. 11-25, 2017 27

NOW IN FINDLAY CREEK VILLAGE!

Townhomes So Beautiful...

They’re Suitable For Framing!

Starting at just $299,900, it’s your space, your way. Designed for an active lifestyle, these fully upgraded townhomes make luxury standard and are ready for your artistic touch!

The best of Findlay Creek Village is right outside your door — shopping, restaurants, transit, and health care are just steps away. Plus for a limited time, you’ll receive 6 appliances, air conditioning and a $5,000 design centre bonus!

Sales Centre 112 Helen Rapp Way, Ottawa ON Monday - Thursday: 1-8pm Friday: Closed Saturday, Sunday & Holidays: 12-5pm

613-822-1101

From

299,900

$