Eastern Ontario New Home & Condo Guide - Dec 9, 2017

DEC 9, 2017 – JAN 6, 2018 | nexthome.ca

EASTERN ONTARIO EDITION

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

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INSIDE:

HOME SEARCH: ZEROING IN ON THE RIGHT ONE FOR YOU!

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PRESENTING… THE GOHBA HOUSING DESIGN & SAM AWARDS

43’ Mackenzie Show Home | 2,995 sq. ft.

Avalon Encore Orléans

From our family to yours – wishing you the very best of everything for a happy and healthy holiday season.

Happy Holidays!

Harmony Barrhaven

Mahogany Manotick

Potter’s Key Stittsville

ottawahomes.minto.com

STUNNING STYLES COMING SOON TO SOUGHT-AFTER COMMUNITY

New Release of Highly Desirable 2-Storey Towns, Single and Double Car Garage Homes New Release This Saturday at 11 a.m.

30' Detached Home, The Broadleaf ‘A’, 1,565 Sq.Ft.

36' Detached Home, The Elm ‘A’, 1,902 Sq.Ft. $513,990 Includes: $25,000 off the Purchase Price & $25,000 at Décor

A Mattamy home is a HOME YOU’LL VALUE for a lifetime.

Valleyfield Model Home in Half Moon Bay, Barrhaven

BARRHAVEN Elev. A

SALES CENTRE 3454 Greenbank Road 613-825-7932

2-Storey Townhome, The Fir ‘A’, 1,445 Sq.Ft.

Elev. B

2-Storey Townhome, The Chestnut ‘B’, 1,242 Sq.Ft.

MATTAMYHOMES.COM

SALES CENTRE HOURS

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

MODEL HOME HOURS

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

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.

STREAM Findlay Creek

THE MOONEY’S BAY Hunt Club

900 SQ FT Zen Urban Flat uilding E Level 2 Unit 4) 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

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

Immediate Availability 1775 SQ FT Townhome (Block 27 Unit 152) Mid Unit Only $368,900

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

DEC 9, 2017 – JAN 6, 2018 | VOLUME 17 ISSUE 23

CONTENTS

VICE-PRESIDENT & CHIEF PUBLISHING OFFICER

Caroline Andrews PUBLISHER & GENERAL MANAGER

Shawn Woodford DIRECTOR OF CONTENT & EDITOR-IN-CHIEF

Jennifer Reynolds DIRECTOR, MULTIMEDIA SOLUTIONS

Nora Wallace ASSOCIATE PUBLISHER

Anne-Marie Breen 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

ON THE COVER:

18

20 GOHBA Report Building codes and affordable housing

GOHBA

34th Annual Housing Design Awards

BY JOHN HERBERT

26 Mortgage Intel

Should you pay off your mortgage early?

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

BY ALYSSA FURTADO

TRENDING

C8 GOHBA

SAM Awards: Building to impress in Ottawa

C10 eQ Homes

Holiday toy drive to support Make-A-Wish foundation

17 Home Care

ADVICE

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C2 Home Smarts

Home search: Zeroing in on the right one for you

BY MARNIE BENNETT

Homeowner in Canada?

You might need one of these

IN EVERY ISSUE

16 22 24 27

Editor’s Note Hot Properties Advertisers Index What’s Online

Sarah Khan SENIOR MANAGER, DISTRIBUTION

Dwayne Rutherford NATIONAL CIRCULATION MANAGER

John Jenkins

PRODUCTION MANAGER

Anthony Majetic PRODUCTION CO-ORDINATOR

Dennis Ng GRAPHIC DESIGNER

Dennis Ng Published by

A brand of Yellow Pages Homes Ltd. #500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 nexthome.ca

Advertising Call 416.626.4200 for advertising rates and information.

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

8 NextHome.ca

The eQ Toy Drive

Drop off a new, unwrapped toy at any eQ Homes Sales Office before December 20th and eQ Homes will match all donations toy for toy.

Learn more at eqhomes.ca #eqtoydrive

Fall in love WITH A NEW VALECRAFT HOME

$100,000 less than the city *

Move into your dream home in Embrun for $100,000 less than the city.

Choose from 20 homes with multiple layouts and exterior elevations.

Bungalows starting at $339,900 2 Storey Single Homes starting at $335,900

The Delahunt

The Kemp

The Morgan

The Steel

Available early occupancy homes for spring 2018

The Normandy $401,272 Early Occupancy 3 beds & 2.5 baths

The Kemp $380,878 Early Occupancy 3 beds & 2.5 baths

The Morgan $405,301 Early Occupancy Bungalow 3 beds & 2 baths

(613) 370-0288 605 Bruxelles St. Embrun ON Limited time offer. See sales consultant for details. *An estimate. Prices, terms and speciďŹ cations are subject to change without notice. E & O.E.

SPOTLIGHT ON

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2017 SALES AND MARKETING AWARDS WINNERS REVEALED...

IN THIS SECTION

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

ADVICE | HOME SMARTS

YOUR NEW HOME SEARCH:

ZEROING IN ON ‘THE ONE’ MARNIE BENNETT When I’m getting to know new clients, I sometimes sense that they’re feeling overwhelmed by all the options on the new home market. While approaching the home search with an open mind is helpful, it’s equally important to recognize the aspects of a home that are truly important to you.

Compromise is often part of the process, but there are always a few items that are simply nonnegotiable – and, believe it or not, it can take a bit of soul-searching to discover what they are.

I like to sit down with my clients and have an in-depth conversation about their practical needs as well as their “dream home” ideals. The following questions can help to unearth some key priorities:

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LIFE STAGES

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Families evolve, and it’s wise to consider the future as well as the present. Do you plan to have children? Do you have teenagers who will be moving away soon?

Are you close to retirement?

Will you need a home that can accommodate different stages of life? These questions can go a long way in helping you decide what type and size of home will best meet your needs.

your commuting costs be? While houses are generally more affordable outside of the city, the costs of gas and perhaps a second car can add up quickly; sometimes spending the extra money for a more central location is balanced by savings elsewhere.

Examine – honestly – how you spend your leisure time, whether it’s playing sports, visiting cultural hot spots, exploring nature or cocooning with the family. How close would you like to live to extended family and friends? How important are good schools, recreation facilities and walking paths?

SIZE REQUIREMENTS

How many bedrooms and bathrooms are needed? Do you need space for a hobby, storage or home office?

A family room? A two-car garage?

LIFESTYLES

SPECIAL FEATURES

The way your family works and plays is fundamental in choosing a neighbourhood. How much commuting are you willing to do every day? How much will

These can range from the indulgent to the absolutely necessary. Do you want air conditioning, a fireplace or a swimming pool? Do you require certain features to accommodate

family members with special needs? Are you interested in saving energy, enhancing indoor air quality and reducing environmental impact?

We all have different priorities.

Ask yourself which ones are closest to your heart, and the right home will follow!

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

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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

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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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2017 SALES AND MARKETING AWARDS

SAM AWARDS BUILDING TO IMPRESS IN OTTAWA

The SAM Awards celebrate the Greater Ottawa Home Builders’ Association’s (GOHBA) best in sales and marketing innovation. At this year’s awards ceremony, many of Ottawa’s top builders received outstanding recognition. Judges had 134 contenders (up from 102 in 2016) to choose from in awarding the most accomplished sales staff, the best sales centres, and the best marketing teams.

“There was certainly lots to celebrate at this years’ SAM Awards,” says Nicole McCallion, events and communications manager for GOHBA. “Our members are constantly pushing the envelope in terms of design and marketing of their homes and communities, and this year was no exception.”

The GOHBA was pleased to see 8 NextHome.ca

attendance, submissions and interest continue to grow for this event. The SAM Awards are a recognized event in the city – an event local builders excitedly await each season.

“The way consumers are purchasing new homes is changing,” says McCallion. “And it is exciting to see our competition evolving with technology at the forefront, with our members finding innovative ways to connect with their audience.”

Here are a few highlights from this year’s awards: BEST COMMUNITY

eQ Homes once again took home the award for Best Community.

This year, their popular Greystone Village was in the spotlight.

“We’re honoured to win four Sammies this year, and excited to be recognized with Community of the Year twice in a row,” says Tobin Kardish, marketing manager for eQ Homes. “Our campaign for Greystone Village has been a great success, and we’re very proud of our team.”

Greystone’s overall plan calls for a vibrant mix of uses, more than 900 residences including townhomes, singles and bungalows, and 30,000 sq. ft. of retail shops fronting Main Street. The Regional Group is in the process of restoring the site’s historic Deschatelets monastery building for community use, creating a true community hub in the centre of the village.

This master-planned community,

located between the Rideau River and Rideau Canal, includes singlefamily homes, townhomes and condominium residences, along with proximity to arts and culture venues, shopping, dining and entertainment – all located just minutes from downtown Ottawa. eQ also took home awards for Best Builder Sales Assistant, Best Builder Video, Best Builder Sales Centre.

BEST CONDO PROJECT

1451 Wellington: Mizrahi Developments, a new face on the Ottawa condo scene, swept in to take the award for Best Condo Project. The team also won Best Builder Design Centre. If you’ve stepped foot into the meticulously planned sales centre, then you likely aren’t surprised by this big win.

“With 1451 Wellington, we are building people’s homes,” says Sam Mizrahi, president of Mizrahi Developments. “We therefore hold ourselves to the same standards

of quality and execution as we would if were building a singlefamily house. Each purchaser has the ability to customize his or her home at 1451 Wellington to their exact specifications. Our goal is to give our residents the quality of space they need to live comfortably.”

This recognition also comes on the heels of Mizrahi Developments’ recent ground breaking of the tallest residential building in Canada – The One – which will rise 85 storeys above the iconic Yonge and Bloor intersection in Toronto.

GRAND SAM

The Grand SAM is one of the most sought after awards. While all the awards at the SAMs highly coveted, the Grand SAM recognizes the best of the best. Richcraft, which is no stranger to this category, took home the award once again. Along with the Grand SAM, Richcraft’s team was awarded a total of nine

trophies this year.

“Our Richcraft team is extremely proud to take home 9 GOHBA awards, plus the Grand SAM,” says Shaw Bellman, Richcraft’s marketing manager.

“It’s been a great year and these awards really showcase our team effort to constantly improve.

From the moment you meet our sales team, to our comprehensive marketing campaigns and our varied products and communities, our hard work and team effort has really paid off.”

The SAM Awards are a great way for potential buyers to quickly find out which builders are doing something outstanding. While the awards are exciting for everyone in the new home building field, the awards themselves also help to guide potential buyers through the maze of new home builds.

For a full list of winners, please visit gohba.ca DEC. 9, 2017-JAN. 6, 2018 9

TRENDING

IT IS THE SEASON

SPOTLIGHT ON

CONDOS

EQ HOMES TO HOLD HOLIDAY TOY DRIVE IN SUPPORT OF MAKE-A-WISH

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Partnering with renowned toy store Mrs. Tiggy Winkles, eQ Homes has unveiled its first holiday initiative. Until Dec. 20, eQ Homes will hold a toy drive in support of Make-A-Wish Eastern Ontario with donation boxes at each of their new home sales offices. With support from Mrs. Tiggy Winkles toy shop, eQ Homes will match all toy donations gifted by the community.

“We’re excited to partner with eQ Homes on this toy drive for Make-A-Wish Eastern Ontario,” says Simon Anisman, owner of the Mrs. Tiggy Winkles toy store.

“Making kids smile is our specialty, so it’s very satisfying to be able to help local children who need it the most.”

Make-A-Wish Eastern Ontario grants wishes of children with life-threatening medical conditions to enrich the human experience with hope, strength and joy. Along with the national office, eight regional chapters grant magical wishes to children in need from coast-to-coast.

“We’re honoured to be selected as the recipient of this toy drive,” says Tanya Dejardins, CEO of Make-A-Wish Eastern Ontario.

“The holidays can be extremely difficult for families who have a sick child, especially when their little one is stuck in the hospital or bed-ridden. These toys will help lift their spirits during a very difficult time in their lives.”

“Having seen first-hand how Make-A-Wish positively impacts

local families, I’m proud to be part of this initiative,” says Katherine Toms, digital marketing coordinator at eQ Homes. “It’s a great cause, and of course we’re thrilled to work with Mrs. Tiggy Winkles.”

The eQ Toy Drive will take place at all eQ sales offices, including eQuinelle in Kemptville, Fernbank Crossing in Stittsville, Pathways at Findlay Creek, Clarence Crossing in Rockland, and Greystone Village in old Ottawa East. Visit any of the sales centres below to contribute a toy this holiday season.

Visit eqhomes.ca for office hours by location. To keep updated on the Toy Drive, follow #eqtoydrive eQuinelle 78 Equinelle Dr., Kemptville Fernbank Crossing 632 Cope Dr., Stittsville Pathways at Findlay Creek 4840 Bank St., Ottawa Clarence Crossing 35 L’etang St., Clarence-Rockland Greystone Village 175A Main St., Ottawa

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EDITOR’S NOTE

WHAT A YEAR SO MUCH CHANGE, SO MUCH OPPORTUNITY

WAYNE KARL

The end of one year and the beginning of the next is a natural signpost, a point at which many of us take stock of the recent past and what might lie ahead.

Indeed, 2017 was a year punctuated by numerous major developments in the real estate market. From the National Housing Strategy, to the first interest rate hikes in seven years, to new mortgage rules and foreign buyers’ taxes... And even here at NextHome, where we rebranded and refreshed our publication to address changes in the market and interests of you, the reader.

Next year promises to be just as eventful, as we will likely begin to see actions from the just-announced National Housing Strategy. Meanwhile, economic variations across the country will influence regional housing markets – be it those in Alberta in recovery mode, or in Ontario where supply and fast-rising prices are certain to remain top of mind.

But, as with anything in life, change also brings opportunity. With the right knowledge, perspective and preparation, prospective homebuyers can still realize their dream of owning a home.

Here’s to making 2018 your year.

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

+MORTGAGE INTEL SHOULD YOU PAY IT OFF EARLY?

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HOME CARE

CANADIAN HOMEOWNER? YOU NEED A SNOWBLOWER! Though we don’t like to admit it – winter is coming.

Back on Oct. 22, 1988 Ottawa was hit with a record fall of 29.2 cm of snow! Further stats from Environment and Climate Change Canada show local November snowfalls, over 20 cm, as recently as November 27, 2013.

This year’s prediction of long, cold winter begs the question, “Are we ready?”

“Winter is unavoidable,” says Michelle Sordi, director of Marketing of Husqvarna Canada.

“So, before you find yourself kneedeep in the white stuff, take stock of the winter supplies you have on hand. A little preparation can get you safely and happily through the first snowfall of the season.”

There are a number of things you can do to help keep yourself out from under mountains of snow from the big snowstorms, and comfortable, day-to-day, during the lighter snowfalls.

• Salt or sand – Keep a bag of salt or sand on hand. It doesn’t go bad, but when it snows it does go fast – from stores that is.

• Shovel love – Where is it? Is it in good repair? Give it a once over and replace it if need be. Don’t wait until you need it.

• Snowblower check-up – Ensure your machine is in good repair, with fresh gas, a new spark plug, full tires and good blades. If it’s not running at its best, take it to a dealer for a tune up. If you don’t have a snowblower, Husqvarna has some great suggestions for buying the right one for your needs. It’s a must-have for that new driveway!

What size snowblower?

This depends on the size of your clearing area. For heavy snowfalls and to blast through hard-packed snow, a two-stage system snow blower works best.

Two-stage snow blowers have been developed for homeowners who need a high-performing snow thrower to clear snow from large garage driveways and paths.

For smaller spaces, homeowners can look to a single stage blower, which is perfect for the individual who needs a compact and easy-to-use machine.

What are some of the new features that a homeowner should consider?

Power steering for effective maneuverability. Husqvarna has convenient trigger control power steering which allows homeowners to operate each wheel/track separately for easy movement and tight 180-degree turning. This also acts as a safety feature.

Heated handles make your snow blower more comfortable to operate and LED headlights allow you to tackle intense snowfalls during the evening.

What do I look at to compare between snowblowers?

The size (width) of the auger is a priority feature to consider. The larger the auger, the more you can clear and faster you can get the job complete. Also, snowblowers with wider augers will also have larger, more powerful engines.

What are the safety features?

Safety should be a priority. Look for a cleated track-drive system – it helps with effective propulsion on slippery surfaces and hills that the homeowner may encounter.

Ensure that all levers and controls are placed within easy reach for added comfort, control and safety.

DEC. 9, 2017-JAN. 6, 2018 17

PROPERTY PROFILE

DESIGN AWARDS MODERN BEAUTY AT OTTAWA’S DESIGN AWARDS GALA

There’s more to building a house than the physical construction of a home. After all the walls are up and every light switch is wired, builders send in the design team.

This group of people transform a house into a home. Every model home you’ve walked through has been meticulously planned out by a designer. These are the final touch-ups that help you envision your new life in a home.

At this year’s 34th Annual Design Awards Gala many of Ottawa’s companies were recognized, including builders, architects and designers. Judges awarded 18 NextHome.ca

trophies based on innovation, excellence and variety of design.

The awards ceremony is held each year by the Greater Ottawa Home Builders’ Association (GOHBA) and presented by the Ottawa Citizen.

Judges felt that Ottawa designers provided a balance between modern and traditional styles. With a mix of veterans and newbies, this year’s gala showcased Ottawa’s best of the best.

“Our judges, who are industry professionals from across the country, are continually impressed with the exceptional design and

quality of constructions which occurs year over year in the Greater Ottawa area,” commented Nicole McCallion, events and communications manager for GOHBA. “Our annual awards gala attracted 600 industry leaders gathered at the Shaw Centre on October 21st to celebrate the Housing industry’s successes in innovation and quality of design and construction in the Greater Ottawa area.”

Awards ranged from Production Kitchen, Custom Bathroom, Any Room in the House and even

Anywhere in the World (an award for a design or renovation on a property anywhere outside an 80 km distance from Parliament Hill). The trophies were awarded to veterans and newbies alike.

Familiar faces such as Barry Hobin, Richcraft, Phoenix and eQ Homes are only some of the winners from the gala hosted in October.

PRODUCTION BUILDER OF THE YEAR:

Production Builder is a highly coveted award, and Campanale Homes is still buzzing from its big win. The Campanale team is thrilled with the win: “On behalf of the Campanale team, we’re honoured to receive this prestigious award and to be recognized by such an influential organization. We’re an intrinsically motivated bunch here, and we all work hard to provide our best services to the Ottawa region. Thanks again to GOHBA, the judges, and to our customers for your support.“ Campanale Homes also won the Production Home: SingleDetached, for its model, The Greyson. This luxurious, fourbedroom home is located in the prestigious neighbourhood of Prince of Wales on the Rideau. The Greyson is a spacious 3,049-sq.ft. home with sleek design and modern features. Campanale’s The Rogue, in the same community, was one of last year’s winners.

Campanale is a family run business that has been building homes in Ottawa for more than 37 years. They are now a full-service organization that strives to bring exceptional value and traditional craftsmanship to homes of varying sizes and styles.

PEOPLE’S CHOICE AWARD:

The People’s Choice Award is another highly sought after prize.

Gordon Weima Design Builder with Ardington + Associates Design

Inc. won this year’s People’s Choice Award with its Modern Farmhouse. Gordon Weima is a boutique builder who specializes in expansive and unique new builds and renovations across Eastern Ontario. Weima’s expansive portfolio includes some of the most visually stunning homes in the area.

“A record numbers of entries were received (282) from 75 member companies, with a total of 188 finalists,” says McCallion. “All of the finalists can still be viewed at gohbavote.ca, and this is an excellent resource for consumers

that are looking for a Home Builder or Renovator.”

When asked about the importance of the Design Awards, McCallion says that “the real winners in our competition are the homeowners, who get to enjoy these beautiful living spaces, created by GOHBA members. Our awards programs give consumers the confidence to select one of our members, knowing that they are committed to providing an exceptional end product.”

For a full list of winners, please visit gohba.ca DEC. 9, 2017-JAN. 6, 2018 19

ADVICE | GOHBA REPORT

BUILDING CODES AND HOUSING AFFORDABILITY

JOHN HERBERT We are constantly required to perform a range of cost benefit analyses to cope with today’s complicated life. Most of these take the form of simple decisions that are done in our heads. Would route A or B be faster given the weather conditions and day of the week? Should I replace my worn20 NextHome.ca

out water heater with another rental because it’s financially manageable based on cash flow, even though I’ll probably pay for it 10 times over during its life? Or do I pay cash up front and save money in the long term? Do I pay for expensive health insurance premiums to cover the risk of some unforeseen illness or do I accept the risk and save the money for other more immediate expenses?

The common factor in all such analyses is that we have control

and can make the best possible decision based on the unique factors affecting each of our lives.

There are, however, a constantly increasing number of decisions impacting us that are made by others for which we have no input or even knowledge of their existence. One such example is the Ontario Building Code, which regulates everything about how our homes are constructed. On one hand, it is very positive and comforting to have an informed group of building science

professionals making decisions to ensure that our homes are structurally sound and built to a set of minimum requirements. In large measure, it is our codes that have resulted in Canadians being recognized as one of the best, if not the best-housed people in the world. Unfortunately, some governments have now begun to use building codes as an extension of their political policies that have no relationship to safety or security.

Even worse, these changes are having a significant negative impact on the price of new homes.

Governments in Canada started down this road approximately two decades ago as energy costs increased and greenhouse gas data began to emerge. In order to address this threat, decisions were made to use building codes to dramatically increase the energy efficiency of new homes. Most would agree with this approach, although few realize that the resulting cost increase has been in excess of $30,000 per home. In a very real sense, government has been able to have its cake and eat it too, because it was not only able to implement political policy, but also increase tax revenue that could be creamed off the top as prices rose.

Building codes are constantly under review, and in Ontario, there are several changes currently underway that will be implemented in January 2018. Let’s contrast a change that clearly falls within the historical code mandate of safety and security with a couple of others that advance the theme of extending political policy at considerable cost to all new homebuyers while benefiting only a small group of homeowners.

The first change involves increasing the width of a stair step known as a tread. The historical minimum requirement has been 8.25 in. Based on an aging

population, a decision has been made to increase the minimum width to 10 in., in order to try to reduce injuries from elderly residents slipping and falling on a set of stairs. Although this will result in an average set of stairs being extended by more than two feet, with a consequent cost increase, most would agree that there is sound logic and

“

Building codes are constantly under review and in Ontario, there are several underway

”

justification for such a change.

Contrast this with two other changes which many believe have no place as a minimum requirement in a building code.

The first will require that roof trusses in all new lowrise woodframe residential structures have increased structural capacity in order to support roof-mounted solar panel systems. Depending on the design of the roof system involved, the cost increase is estimated to be in the range of $500 to $1,000. Should every new home in Ontario be equipped accordingly at substantial cost, or should only those homeowners who decide to install a roofmounted solar system pay this amount to have their truss capacity increased on an asneeded basis?

A second example is the requirement for all new singlefamily and townhouse units to be equipped with 200 AMP electrical panels in order to accommodate

future electric car-charging systems. Hydro Ottawa is not able to determine exact cost increases because each community is unique, but based on their input, builders estimate the cost increase to range between $500 and $1,500 per home. Currently, homes in Ottawa are equipped with 100 AMP electrical service, but even this level offers increased capacity over previous decades as energy-efficient appliances and heating systems have been introduced. Builders have advised government that all standard electrical car-charging systems can be accommodated within a 100 AMP system, but this information appears to have been ignored. Current practice is that any homeowner requiring additional electrical capacity for such things as swimming pools, saunas or high-speed EV charging systems can simply apply, pay the additional cost and be connected.

Again, what purpose is being served by having every new-home buyer in Ontario pay additional costs that are unnecessary for the vast majority and must be included in a mortgage and paid for over the next 30 years?

Local MPPs Bob Chiarelli and Lisa MacLeod recognize this requirement as unnecessary and the negative impact it will have on housing affordability. They have both lobbied the Minister of Municipal Affairs responsible for the Building Code. Let’s hope he listens, sees that the government’s real priority should be housing affordability and directs his staff to return to using the building code for its intended purpose.

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.

DEC. 9, 2017-JAN. 6, 2018 21

HOT PROPERTIES

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

34TH ANNUAL HOUSING DESIGN AWARDS

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

AVIATION PRIVATE 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 22 NextHome.ca

CARLETON CROSSING

GREYSTONE

By: Brigil City: Stittsville Housing type: Singles Contact: 613.257.4079 brigil.com

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

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

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

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

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

2017 SALES AND MARKETING AWARDS

KOL

POTTER’S KEY

TEMPO

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

By: Minto City: Stittsville Housing type: Singles Contact: 613.788.2761 minto.com

By: Glenview Homes City: Kemptville Housing type: Singles Contact: glenviewhomes.com

MAHOGANY

RATHWELL LANDING

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

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

MINTO BEECHWOOD

STIRLING PARK

By: Minto City: Ottawa Housing type: Condominiums Contact: 613.696.8188 minto.com

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

ON HALF MOON BAY By: Mattamy City: Barrhaven Housing type: Singles, townhomes Contact: 613.825.7932 mattamyhomes.com

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

+

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

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

THE BOWERY CONDOS & LOFTS By: Richcraft City: Centretown Housing type: Condominiums Contact: 613.695.7577 thebowerycondos.ca

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

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 DEC. 9, 2017-JAN. 6, 2018 23

et a

Builder Name

Site Name

Almonte

Phoenix Homes

White Tail Ridge

x

x

From $390's

12, 13

Carp

Phoenix Homes

Diamondview Estates

x

x

From $400's

12, 13

Hunt Club

Claridge Homes

Hunt Club Flats

x

From $277,900

6, 7

Kanata

Claridge Homes

Bridlewood Trails

x

From $394,900

6, 7

Kanata

Phoenix Homes

Fernbank

From $350's

12, 13

Kanata

Phoenix Homes

Terra Flats

x

From $200's

12, 13

Stittsville

Mattamy

Traditions II

x

x

From $321,990

4, 5

Stittsville

Minto

Potter's Key

x

x

Inquire

2. 3

Barrhaven

Claridge Homes

West Pointe Village

x

x

From $602,900

6, 7

Barrhaven

Mattamy

Half Moon Bay

x

x

Inquire

4, 5

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

From $200's

12, 13

Kemptville

Glenview Homes

Tempo

x

Inquire

15

Ottawa South

Claridge Homes

Summerhill Village

x

From $369,900

6, 7

Ottawa South

Claridge Homes

Sundance

x

From $592,900

6, 7

Navan

Claridge

Spring Valley Trails

x

x

From $343,900

6, 7

Orléans

Minto

Avalon Encore

x

x

Inquire

2, 3

Orléans

Phoenix Homes

Halo Flats

x

From $200's

12, 13

Ottawa

Cardel Homes

Blackstone

x

Inquire

10, 11

Rockcliffe

Claridge

Wateridge Village

x

From $748,900

6, 7

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

x

SOUTH

x x

x

x

EAST

24 NextHome.ca

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

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

C3

Ottawa East

Minto

Minto Beechwood

x

From $354,900

2,3

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

9

x

CONDO

DEC. 9, 2017-JAN. 6, 2018 25

ADVICE | MORTGAGE INTEL

SHOULD YOU TRY TO PAY OFF

YOUR MORTGAGE EARLY? ALYSSA FURTADO Paying off your mortgage ahead of schedule has traditionally been a part of a healthy financial plan.

Until the last 10 years or so, you could expect to pay between five and six per cent (or higher) interest on your mortgage, which made quickly paying off your mortgage a no-brainer.

But with mortgage rates hovering closer to 2.5 or 3.0 per cent, paying off your mortgage early is no longer necessarily the best option. Instead, investing may be a better option. Let’s look at why.

INVESTING YOUR MONEY

As of early November, the S&P/TSX Composite Index has averaged an annual return of 5.69 per cent over the last five years. This return is higher than current mortgage rates, which means you could potentially see a greater return by investing the money instead of putting it towards your mortgage.

Of course, there are no guarantees when it comes to the stock market. Markets fluctuate and year-over-year returns are hard to predict. If the idea of fluctuating returns unsettles you, you may be better off with the guaranteed returns of paying off your mortgage ahead of schedule.

PAYING DOWN YOUR MORTGAGE

While investing may be a better option, paying off your mortgage ahead of schedule has its own 26 NextHome.ca

unique benefits – namely, peace of mind. Eliminating a mortgage payment frees up tens of thousands of dollars per year in after-tax income that you can

“

While investing may be a better option, paying off your mortgage ahead of schedule has its own unique benefits – namely, peace of mind

”

use for investing, saving, travel or working less.

Living mortgage-free makes you less dependent on your employer and less vulnerable to job loss.

Paying off your mortgage early will save you thousands of dollars in interest that would otherwise be paid out to your lender.

DIVERSIFICATION STRATEGIES

One key error both die-hard investors and die-hard mortgage payoff proponents make is failing to understand the role of diversifying your investments.

The adage “don’t put all of your eggs in one basket” rings true in both scenarios. If you hustle to pay your mortgage off quickly, the result is 100 per cent equity in a piece of land with a home on it.

But a paid-off home is illiquid and difficult to tap into if you need a sudden influx of cash. You could use a home equity line of credit

(HELOC) – but then you’d be back in debt – which is just what you struggled to free yourself from.

THE BOTTOM LINE

At the end of the day, as with everything, balance is key. The best strategy is to use a mortgage affordability calculator to help you choose a home that’s not too expensive, allowing you to put some money away for retirement and give you the option to pay down your mortgage early.

Alyssa Furtado is founder and CEO of RateHub.ca, a website that compares mortgage rates, credit cards, highinterest savings accounts, chequing accounts, and insurance with the goal to empower Canadians to search smarter and save money.

+MORE ADVICE ONLINE nexthome.ca/news/advice

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Visit our website: DEC. 9, 2017-JAN. 6, 2018 27

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