GTA New Home Guide - Jan 6, 2018

GREATER GOLDEN HORSESHOE EDITION

JAN 6 - 20, 2018 | nexthome.ca

Connecting Canadians to new HOMES & CONDOS for more than 25 years NOWING: ER COV ENTIRE THE GOLDEN ER R G EAT SESHOE O HR

French Garden Living in NORTH YORK

INSIDE:

AND PANTONE’S 2018 COLOUR OF THE YEAR IS…

HOUSING MARKET OUTLOOK: WHAT LIES AHEAD IN GGH?

Thanks for thinking the best of us 2017 BILD Stephen Dupuis BEST Humanitarian of the Year • 2017 Canada’s BEST Managed Company - Platinum Club 2017 Hamilton Chamber of Commerce BEST Outstanding Business Award for a Large Business • 2017 Ontario Chamber of Commerce BEST Business of the Year 2017 HHHBA BEST Community of the Year, Low Rise - Central Park • 2017 Hamilton Consumer’s Choice Award BEST Top Home Builder 2017 OHBA Awards Of Distinction BEST People’s Choice Award - Central Park • 2017 The Nationals Awards Philanthropy Gold Award for BEST Community Spirit 2017 HHHBA BEST New Bathroom - The Corsica - Central Park • 2017 OHBA AoD BEST Low-Rise Project Sales Brochure (1-3 Storeys) - Central Park 2017 OHBA AoD BEST Most Outstanding New Home Kitchen (New Low-Rise Home 2501 sq ft. & Over) - The Corsica - Central Park 2017 HHHBA BEST New Kitchen - The Corsica - Central Park • 2017 HHHBA BEST Marketing Award of the Year - Central Park 2017 HHHBA BEST Product Design, Low Rise, Single - Central Park • 2017 HHHBA BEST Product Design, Low Rise, Town - Central Park 2017 HHHBA BEST Project Logo - Central Park • 2017 HHHBA BEST On-Site Sales and Marketing Package - Central Park 2017 HHHBA BEST Sales Office - Central Park • 2017 HHHBA BEST Exterior - The Corsica - Central Park

Thank you to all of our employees, consultants, suppliers and each of the Losani homebuyers who have helped us accomplish these memorable achievements in 2017.

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JAN 6 – 20, 2018 | VOLUME 26 ISSUE 01

CONTENTS

20 ON THE COVER:

Concord SAISONS: FRENCH GARDEN LIVING IN THE HEART OF NORTH YORK

10 NextHome.ca

54 INSPIRATION: DESIGNER JO ALCORN’S LOWDOWN ON 2018 TRENDS

PROPERTY PROFILES

24 Preston Homes Preston Corner: Final phase now open

30 Madison Group Frenchman’s Bay: Urban living by the lake

48 DIAM Developments Radiance: First release of townhomes sells quickly

60 Whitby Meadows Five GTA builders enjoy wildly successful launch

TRENDING

26 Housing Market Outlook What lies ahead for the GGH in 2018?

29 CMHC Canadian housing starts gain in November: CMHC

34 Strategic Investment What investment strategies work best in Ontario, Alberta and BC?

40 News David Wilkes new BILD CEO; Plaza funds outdoor classroom

42 Stress Test

Survival Guide

72 Losani Homes Wins Ontario Chamber of Commerce award

76 Homebuying Online New software helps homebuying experience

62 Legally Speaking Start 2018 by planning for the future

BY JAYSON SCHWARZ

INSPIRATION

52 Colour Trends Pantone’s dramatic 2018 Colour of the Year

ADVICE

16 Fundamentally Speaking

GGH homebuyers, this may be your year

BY WAYNE KARL

56 Style File Designer Tiffany Pratt helps with your 2018 decor goals

58 Shop Talk Passionately creating loyal customers for life

22 Stat Chat Condo investment: Why it’s still a good time to buy

BY BEN MYERS

32 BILD Report Reforms could put local politics ahead of planning

BY BRYAN TUCKEY

33 Condo Pro Count travel time among new home considerations

BY BARBARA LAWLOR

44 Mortgage Intel Three tips to make mortgage renewal time easier

BY ALYSSA FURTADO

THE LAST WORD

84 Q&A Graham Haines, Ryerson City Building Institute

IN EVERY ISSUE

12 Editor’s Note 64 Hot Properties GTA 78 Hot Properties SWO 86 Advertiser Index 88 What’s Online

What can you afford, after the new mortgage rules?

NEIGHBOURHOOD PROFILES:

46 Downtown Whitby

68 Ancaster JAN 6 - 20, 2018 11

EDITOR’S NOTE

A WELCOME PAUSE FIRST-TIME BUYERS GET A MUCH-NEEDED BREAK

WAYNE KARL MANAGING EDITOR NextHome

If it were in a sports landscape, 2017’s home price growth stats would make for career years: 23 per cent in Niagara, 22 per cent in Kitchener-Waterloo, 21 per cent in Brampton, 19 per cent in Barrie and in Durham region... Indeed, these are all-star numbers by any measure.

Notice a common thread among these top performers?

They’re all in Ontario. And you have to go pretty far down the list – that is, ReMax’s 2018 Housing Market Outlook – before you find a market outside the province.

These trends may be great for those who recently bought a home, but for those hoping to break into the market, each year, it seems, becomes more costly in terms of affordability.

This may change in 2018, however, as ReMax and even Canada Mortgage and Housing Corp. are calling for more muted home price growth. Indeed, the GTA is forecast to be flat this year, ReMax says, and Mississauga is expected to see a decline of -2.5 per cent.

As batting averages, maybe, such drop-offs wouldn’t be worth celebrating. But for prospective first-time homebuyers, they represent a welcome pause, and opportunity.

EMAIL: wayne.karl@nexthome.ca TWITTER: @WayneKarl

+

ONLINE: 2017 was a pivotal year in Canadian real estate. In true New Year’s fashion, we count down some of the most newsworthy events. nexthome.ca/2017-stories

+ get social 12 NextHome.ca

Interact with us on social media: nexthome

Community e m o h n w o T w test Selling Ne s a F ’s n to il m a MARTSUITES H S • n o ti a c o L • Smart Smart Value s the LO W $ m o fr d e n ig s e D y tl r Sma

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Prices and specifications subject to change without notice. Go Transit is a registered trademark of Metrolinx and is not affiliated with Homes by DeSantis or Myst. E.&O.E.

CONTRIBUTORS

BILD REPORT | BRYAN TUCKEY

Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta), Youtube (youtube.com/bildgta) and BILD’s official online blog (bildblogs.ca)

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

STAT CHAT | BEN MYERS Ben Myers is president of Bullpen Research & Consulting, a boutique real estate firm that advises land owners, developers and lenders on housing market conditions that can impact their development projects. Follow Bullpen on Twitter at @BullpenConsult or visit bullpenconsulting.ca

MANAGING EDITOR

Wayne Karl ART DIRECTOR

Daiana Garay CONTRIBUTING EDITORS

Sonia Bell Sara Duck Marlene Eisner Elisa Krovblit Keay

LEGALLY SPEAKING | JAYSON SCHWARZ Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. He can be reached by visiting schwarzlaw.ca or by email at info@schwarzlaw.ca or phone at 416.486.2040.

SENIOR ACCOUNT EXECUTIVE

Nina Downs nina.downs@nexthome.ca MEDIA CONSULTANT

Maris Langer maris.langer@nexthome.ca MEDIA CONSULTANT

Rose Anne Bonanno roseanne.bonanno@nexthome.ca

INSPIRATION | JO ALCORN Jo Alcorn is a design specialist and designer on HGTV’s Home to Win, out this spring. She has her own furniture collection, signature pillow and dog bed line and is known for her savvy design concepts. Visit Jo at whitewashco.ca

SALES & MARKETING CO-ORDINATOR

Terry Bassett SENIOR MANAGER, DISTRIBUTION

Dwayne Rutherford NATIONAL CIRCULATION MANAGER

John Jenkins PRODUCTION MANAGER

Anthony Majetic

MORTGAGE INTEL | ALYSSA FURTADO

PRODUCTION CO-ORDINATOR

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

GRAPHIC DESIGNERS

Sandra Hanak-Vujnovic Sandra Hanak-Vujnovic, Mike Terentiev, Miguel Cea Published by

A brand of Yellow Pages Homes Ltd.

CONDO PRO | BARBARA LAWLOR Barbara Lawlor is president and CEO of Baker Real Estate Inc., and an in-demand columnist and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sale of condo developments in Canada and overseas.

INSPIRATION | SARA DUCK With more than a decade of experience in the magazine world, Sara Duck brings her passion for writing and expert eye for what’s on trend to our pages.

14 NextHome.ca

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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 2018 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: Please send to wayne.karl@nexthome.ca

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ADVICE | FUNDAMENTALLY SPEAKING

GGH HOMEBUYERS THIS MAY BE YOUR YEAR

WAYNE KARL

No one could blame prospective homebuyers in the Greater Golden Horseshoe if they became a little discouraged over the last few years. Routine, double-digit home price growth, lack of supply in the lowrise category and other factors have conspired to make entering the market increasingly difficult.

Now, first-time buyers face an additional hurdle: New mortgage regulations, as of Jan. 1, which effectively limit their buying potential.

If there’s one saving grace playing out in some of Canada’s hottest housing markets, however, it’s this: Home price growth is expected to slow to more reasonable levels across the GGH this year.

People who already own homes in the GGH love 2017’s numbers – the envy of most centres across Canada. But imagine trying to

buy a home – saving for a down payment, planning the timing, area and type of property – and facing such barriers to entry. Meanwhile, new home construction in the GGH is extremely limited, and projects that are released are snapped up almost instantly.

And then, just when you see price growth pausing some, in come new mortgage regulations that add just one more potential obstacle.

“Buyers have been frustrated with a lack of choice, especially in lower price ranges; however, in a more balanced 2018 market, inventory levels will increase and time on market for homes will lengthen,” ReMax executive vice-president Elton Ash told NextHome. “This will give buyers greater choice and flexibility in their home search criteria.

Affordability is the big topic. As a result, first-time buyers will continue to drive the condo and townhouse market. The suburbs

will also feel greater demand from the Millennial buyer cohort, as they are now looking for larger homes with backyard space. The outlying communities offer an improved family lifestyle in more affordable price ranges.”

Adds Christopher Alexander, executive vice-president and regional director, ReMax Integra Ontario-Atlantic Canada: “Affordability will continue to be top of mind for homebuyers in the Greater Toronto Area, but it’s important to note that there are affordable options for homebuyers who want to stay in the GTA. Reduced lowrise inventory, both in the resale and new-construction markets, coupled with the (new) OFSI regulations, are pushing more buyers into the condominium market – particularly in Toronto and Mississauga.”

So, prospective homebuyers, 2018 may be your year. Home price growth may gather speed again next year, so consider getting in while you can.

PRICE GROWTH FORECAST MARKET

2016 / 2017

2017 / 2018

Oakville

18%

7.5%

Kitchener-Waterloo

22%

6%

Barrie

19%

5%

Hamilton / Burlington

15%

4%

Brampton

21%

3.5%

Durham

19%

3%

GTA

14%

0.00%

Niagara

23%

0.00%

Mississauga

16%

-2.50%

Source: 2018 ReMax Housing Market Outlook 16 NextHome.ca

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@nexthome.ca or follow him on Twitter at Twitter.com/ WayneKarl

+MORE ADVICE ONLINE nexthome.ca/news/advice

GTA

IN THIS SECTION

SHOWCASING NEW PROJECTS IN THE GTA

GREATER TORONTO AREA

DOWNTOWN WHITBY PROFILE

MAPS & LISTINGS OF NEW COMMUNITIES

JAN 6 - 20, 2018  17

ADVICE | TARION REPORT

TIME FOR CHANGE THE NEXT STAGE FOR TARION

“

HOWARD BOGACH

When we purchase a new home, we expect it to be safe, functional and protected by a new-home warranty if anything goes wrong.

In December, the Ontario legislature passed the Strengthening Protection for Ontario Consumers Act, 2017, which enables the establishment of two administrative authorities – one to administer and the other to regulate new-home builders and vendors.

This change represents an exciting next step that will see the functions currently delivered by Tarion, delivered by two separate organizations, and will strengthen consumer protection in the new home industry.

We are pleased to support the Ontario government on the smooth transition and delivery of its plan, and look forward to taking advantage of the opportunities that will benefit consumers and the industry.

In the meantime, I am excited about the enhancements we have been making to our procedures and processes to make us a more nimble, technology-savvy organization.

Today’s society is mobile, and we want to do everything on the go. We have therefore made homebuying tips, warranty information and builder services available in mobile-friendly apps.

18 NextHome.ca | GTA

Change is good, and we look forward to the improvements and innovations in the years to come

”

Yet, our technology upgrades don’t end there. We’ve digitized our processes, making it possible for consumers and builders to upload and manage their documentation online. This not only makes things more streamlined, but has also helped us reduce our environmental footprint. In addition, we’re piloting artificial intelligence tools to improve our scheduling and inspections.

Despite all this technology, the human touch is still important.

If someone has a problem with their home, they want to talk to someone who understands. Our people have always been our strength and we’ve been equipping our teams with additional skills in mediation and dispute resolution to help resolve warranty and customer service issues.

In the future, Tarion’s roles of warranty administrator and industry regulator will be separated. Today, however, we are continuing to

expand our enforcement efforts and employing additional tools to ensure new-home builders are constructing safe and legally built homes.

From enhanced coverage for deposits to protection for emerging issues such as radon, consumer protection continues to evolve. Change is good, and we look forward to the improvements and innovations in the years to come. This transformation may take time to implement, but in the meantime, consumers can continue to rely on Tarion to protect their new home purchases.

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

Actual exteriors and views may be noticeably different than what is depicted in photographs and renderings. The developer reserves the right to make modifications, and other specifications without prior notification.

Renderings are initial concepts by rendering artists, details are governed by the applicable offer to purchase and agreement of sale, and disclosure statement. This is not an offering for sale.

Any such offering can only be made with the applicable offer to purchase and agreement of sale, and disclosure statement. Prices and terms are subject to change without notice. E. & O.E.

COVER STORY

SAISONS FRENCH GARDEN LIVING IN THE HEART OF NORTH YORK Situated near the affluent residential community of North York’s Bridal Path, you’ll find unbridled luxury in the form of Saisons. Inspired by French garden living, this breathtaking highrise project is an impressive symbol of art, beauty and functionality.

Saisons is surrounded by an exceptional selection of private schools, York University, and thanks to the adjoining Green Belt neighbourhood, more trails, parks 20 NextHome.ca | GTA

and walking areas than one could possibly fathom.

Saisons is a jewel within Concord Park Place; a vibrant world-in-one neighbourhood that personifies affluence and opulence. Excitement continues to build with a community centre and a new public school. Offerings are a-plenty within the heart of this well-to-do community with prime restaurants, groceries, banks, health services and major retailers

all vying for your attention.

Within the green canopy of vast parkland resides an eight-acre central park to lose yourself in.

Gardens as far as the eye can see are prevalent. Private gardens, a French garden, an English garden and a Japanese garden, all beautifully blend within tree-lined trails, alongside a seasonal water feature (a reflective pond inspired by the Bordeaux water mirror, majestically transforming into a

skating rink in the winter) that are as awe-inspiring as the very nature that surrounds them.

Privileged access to a plentiful array of pampering MegaClub amenities are yours for the taking.

Here, all life’s wonderful pleasures – sports and spa experiences, ballroom fetes and champagne soirées, await. MegaClub’s threephase approach will essentially bloom into a swimming pool, basketball court, volleyball court, badminton and tennis courts, a tearoom, piano lounge, ballroom, fitness gym, wine lounge – even a golf simulator.

Within your own personal deluxe residence, luxuriating in opulence will be a daily occurrence. An outdoor living room with radiant ceiling heaters that offer year-round use and the private intimacy of an outdoor sanctuary. A kitchen to call your own, with prestigious design that fits all grades of ambiance, with top-tier fixtures and appliances, featuring Miele, world renowned for being culinary innovators.

Lavish interiors are the culmination of optimized space and cultural taste at Saisons.

Simple home-life pleasures are heightened and amplified by way of traditional craftsmanship and contemporary chic. The bathroom is by no means exclusive of this blissful decor. Quartz countertops, a Kohler under-mount sink, polished chrome Grohe faucets, a custom medicine cabinet with mirror, shelves and built-in lighting - all add to the status, elegance and elevated style of the modernday bathroom.

Flawless attention to detail doesn’t end there. Saisons naturally offers secured underground parking so your mind will always be at ease, and at peace. An automatic touchless car wash will ensure your vehicle

remains as impeccable as the blissfully landscaped Saisons grounds. An automatic wheel splash rinses salt away in the winter. High-speed charging options for electric automobiles are also available.

Saisons is a life of elevated stature. Where the fusion of art and accentuation is mastered.

Where classic architecture and timeless design co-exist within a natural setting that can best be described as paradise.

For more information, visit the Concord Park Place Presentation Centre at 1001 Sheppard Ave. E., call 416.813.2999, or visit concordsaisons.ca

+ LOCATION North York DEVELOPER Concord DEVELOPMENT Saisons HOME TYPE Highrise condominium

SALES CENTRE 1001 Sheppard Ave. E. CONTACT 416.813.2999 concordsaisons.ca

JAN 6 - 20, 2018 21

ADVICE | STAT CHAT

CONDO INVESTMENT WHY IT’S STILL A GOOD TIME TO BUY

BEN MYERS

Sales of new condominium apartments in the Greater Toronto Area (GTA) set another record high in 2017. I’m shocked at how many times I have written that over the past decade. Sales boom and then, poof, three to four years later all of those pre-construction sales have led to shiny new highrise buildings.

But how much is too much?

In 2011, there were approximately 28,000 new condominium sales in the GTA, and prices for new downtown projects shot up from $500 persq.-ft. (psf) to $600 psf in less than a year. Real estate brokers approached their clients with sexy marketing material and investment projections, showing rents rising rapidly and lofty return-oninvestment percentages. However, investors started to worry that there were too many units, and questioned whether rents would rise quick enough to meet those forecasts. New condo sales slumped in the second half of 2012, and in 2013, cranes popped up everywhere and the number of condo units under construction spiked. There were some nervous folks in the industry.

Fast forward to late 2014, and all of those 2011-launched projects were finishing construction, resale supply was way up, and there were more choices for people looking to lease a condominium.

Resale price growth slowed, and growth in condo rental rates was non-existent. However, rents had risen enough to cover investors’ carrying costs as rents on a per-sq.-ft. basis for downtown developments hovered around $3.25 psf per month.

Satisfied there was no imminent doom, investors and end-users got excited about buying preconstruction again, and sales really picked up in Q4 2015. Sales were booming all through 2016 as well.

“

22 NextHome.ca | GTA

The only way to describe 2017 is that it went nuclear! Prices for a couple of downtown developments sold for upwards of $1,100 psf, and you thought that $600 psf in 2011 was crazy!

”

The only way to describe 2017 is that it went nuclear!

Prices for a couple of downtown developments sold for upwards of $1,100 psf, and you thought that $600 psf in 2011 was crazy!

Not only did prices rise quickly, so have rents. Urbanation Inc. reports indicate that rents have surpassed $4 psf on select downtown

projects. The projections of realtors of $3.50 rents in 2017 from five years earlier, which were highly criticized outside the industry at the time, turned out to be too conservative.

So, fast forward to 2021 and 2022, when the bulk of the recordsetting 2017 pre-construction condos are completed and private landlords list them for rent. Will they be able to hit the $5 psf monthly rents required to be cashflow positive? Will renters pay $2,500 per month for 500 sq. ft.?

With tougher mortgage rules that make it more difficult for first-time buyers, record immigration and huge job growth, there will continue to be tremendous upward pressure on rents. Make sure you work with an experienced realtor to run you through the numbers before plunking down $650,000 for a 600 sq. ft. rental property.

Ben Myers is President of Bullpen Research & Consulting, a boutique real estate advisory firm, that works with land owners, developers and lenders to better inform them of the current and future macroeconomic and site-specific housing market conditions that can impact their active or proposed development projects. Follow Bullpen on Twitter at @BullpenConsult or visit bullpenconsulting.ca

+MORE ADVICE ONLINE nexthome.ca/news/advice

Markham tour o ur

New Release! New Designs!

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FREEHOLD TOWNHOMES AND SINGLE FAMILY HOMES WITH NEW COACH HOME DESIGNS SUPERB HOME FEATURES*: • bonus bathrooms • central air conditioning • laundry chutes • oak stairs and hardwood flooring • convenient side door entries and much, much more…

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new cornell community centre & library markham stouffville hospital new shopping centres & retail shops excellent public & private schools parks, playgrounds & woodlots easy access to 401, 404, 407 & GO transit

cornellrouge.com 905.472.9556 SALES OFFICE LOCATED AT

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Friday by appointment only Weekends & Holidays from 11 a.m. to 6 p.m.

BROKERS PROTECTED * As per applicable plan/lot. Renderings are artist’s concept. Prices and specifications are subject to change without notice. See sales representatives for details. E & O.E.

MARKHAM

PROPERTY PROFILE

FINAL PHASE NOW OPEN AT ONE OF COURTICE’S MOST SOUGHT-AFTER NEW HOME COMMUNITIES Preston Homes, one of the GTA’s leading home builders, recently released the last phase at one of Courtice’s best-selling new-home communities, Preston Corner.

Designed and crafted with today’s discerning homebuyer in mind, Preston Corner will offer an incredible selection of striking freehold townhomes in four different design configurations.

Currently under construction, the three-bedroom townhomes are priced from the high $400’s, ranging in size from 1,665 to 1,853 sq. ft. To appreciate these homes’ maximum livability and potential, buyers can walk through each of the four townhome designs 24 NextHome.ca | GTA

(two are fully furnished). With pre-selected colour packages, each individually designed home is unique in its style, providing homebuyers with a first-hand look at the beautiful interiors.

Providing the ultimate in comfort and elegance, home exteriors include brick and stone detailing, decorative columns, railings and pickets, vinyl casement low E argon and Energy Star approved windows, and steel roll up sectional garage doors.

Interior features include nine-ft. ceiling heights on the second floor, oak staircases with iron pickets, hardwood flooring in the main principal rooms, and upgraded Berber carpet in all bedrooms. The chef-

+ LOCATION Courtice BUILDER Preston Homes DEVELOPMENT Preston Corner HOUSING TYPE Freehold townhomes SALES CENTRE 2 Ferries Square, open Monday to Wednesday 1 to 7 p.m., Saturday and Sunday 11 a.m. to 5 p.m., closed Thursday, Friday and holidays CONTACT prestonhomes.ca 905.240.7255

inspired gourmet kitchens will feature custom-quality cabinetry with quartz countertops and undermount double stainless-steel sinks with single-lever faucets.

With an abundance of natural and modern amenities, homebuyers will be surrounded by acres of greenbelt, open spaces, forested groves, ravines and creeks. Shopping at the Oshawa Centre, camping at Darlington Provincial Park, and exploring the city’s beautiful harbour will all be within easy reach. Just a few short minutes from the GO train and Hwy. 401,

residents at Preston Corner will also have easy access to all points throughout the GTA. The Preston Corner sales office is located at 2 Ferries Square in Courtice. Hours are Monday to Wednesday from 1 to 7 p.m., Saturday and Sunday from 11 a.m. to 5 p.m., closed Thursday, Friday and holidays.

For more information, visit prestonhomes.ca or call 905.240.7255.

JAN 6 - 20, 2018  25

TRENDING

HOUSING MARKET OUTLOOK WHAT LIES AHEAD FOR THE GGH IN 2018?

by WAYNE KARL

Toronto, you rock. Actually, most of the Greater Golden Horseshoe does, and has for a long time. Years, in fact, if we use the economy and housing market as the gages to measure performance.

And when it comes to real estate, specifically, other cities and centres in the GGH have Toronto to thank for their growth.

Buyers priced out of the Big Smoke have headed off to smaller centres to realize their homebuying dreams.

Not all is perfect, however. There were some blips in 2017, as the market reacted to a number of forces – government policy, supply and demand and other dynamics – and could continue to do so well into 2018.

26 NextHome.ca | GTA

After head-spinning, double-digit appreciation in much of the GGH from 2016 to 2017 – notably 23 per cent in Niagara and 22 per cent in Kitchener-Waterloo, according to ReMax’s 2018 Housing Market Outlook – price growth will likely come back down to earth in 2018.

Much of the activity in regional markets across Ontario was fueled by price appreciation in Toronto during the first four months of the year prior to the introduction of

LOOKING FOR A NEW HOME? Here’s where we’re building in the GGH Centre

Housing starts forecast

Barrie

Single-detached Multiples

Brantford Guelph Hamilton

2017

2018

2019

650

700

750

875

850

800

Single-detached

195

185

120

Multiples

300

350

310

Single-detached

225

250

250

Multiples

625

650

650

Single-detached Multiples

665

615

605

2,435

2,440

2,360

Kitchener / Waterloo Single-detached

1,100

1,050

1,050

Cambridge

Multiples

2,350

1,950

1,850

Oshawa

Single-detached

1,100

900

1,025

Multiples

1,300

875

1,000

St. Catharines

Single-detached

1,200

1,200

1,100

Niagara

Multiples

800

650

700

Toronto

Single-detached

10,000

5,100

6,050

Multiples

30,000

33,450

34,100

Source: CMHC Housing Market Outlook

the provincial government’s Fair Housing Plan, ReMax says. The 16-point plan introduced a 15-percent non-resident speculation tax, which slowed demand from overseas buyers in the upper-end of the market. The policy changes as a whole curtailed activity significantly for single-family detached homes throughout the GTA in the short-term.

New mortgage qualification rules that came into effect on Jan. 1, 2018 also impacted housing market

activity toward the end of 2017, and are expected to slow activity in real estate markets across Canada in the first part of 2018.

“Following increased fall market activity in some regions, we anticipate the new mortgage stress test to slow activity across Canada during first few months of 2018,” says ReMax vice-president Elton Ash.

ECONOMY TORONTO

Toronto’s real GDP is forecast to

grow 3.7 per cent for 2017, the fourth year in a row of above three per cent growth, according to the Conference Board of Canada. For 2018, economic growth will slow to a still decent 2.5 per cent.

The healthy economic activity will be mirrored in the city’s labour market, as a total of 85,200 new jobs are forecast to be created in 2017-18, the Board says. As a result, the unemployment rate is expected to fall from 7.0 per cent in 2016 to 6.7 per cent in 2018.

JAN 6 - 20, 2018 27

MARKET PERFORMANCE

HAMILTON

Hamilton’s economy is projected to grow by 2.9 per cent for 2017, before easing to 2.0 per cent in 2018. This year’s strength has been driven by strong gains in several sectors, including construction, wholesale and retail trade, personal services and public administration.

The local job market is hot, the Board says. Employment is expected to climb at its fastest rate in 14 years this year, leading to the creation of more than 19,000 net new jobs for 2017. The growth may be unsustainable, however, and for 2018, employment is expected to dip 2.1 per cent.

Average price forecast by centre

Centre

2017

2018

2019

Barrie

530,000

514,000

526,000

Brantford

402,500

407,500

417,500

Guelph

520,000

488,000

512,000

Hamilton

565,000

560,000

575,000

Kitchener / Waterloo Cambridge

467,000

452,000

460,000

Oshawa

621,000

607,000

620,000

St. Catharines / Niagara

390,000

381,500

393,500

Toronto

805,000

785,000

800,000

Source: CMHC Housing Market Outlook

INTEREST RATES

Mortgage rates are expected to rise modestly over the 2017-19 period, CMHC says. This increase is consistent with the expected improvement in domestic economic conditions and the predicted increase in world interest rates.

The posted five-year mortgage rate is expected to lie between 4.9 and 5.7 per cent in 2018, and between 5.2 and 6.2 per cent in 2019, says CMHC. “We’re in the initial stages of a rising interest rate environment,” adds Robert Hogue, senior 28 NextHome.ca | GTA

economist at RBC. “The end of ultra-low interest rates will signal a new chapter in the housing market.”

Despite these increases, mortgage rates are expected to remain below levels observed prior to the Great Recession.

AFFORDABILITY

“Affordability will continue to be top of mind for homebuyers in the Greater Toronto Area, but it’s important to note that

there are affordable options for homebuyers who want to stay in the GTA,” Christopher Alexander, executive vice-president and regional director, ReMax Integra Ontario-Atlantic Canada region, told NextHome. “Reduced lowrise inventory, both in the resale and new-construction markets, coupled with the incoming OFSI regulations, are pushing more buyers into the condominium market – particularly in Toronto and Mississauga.”

TRENDING

HOUSING STARTS GAIN IN NOVEMBER Driven by demand from the multi-unit segment of the market, Canadian housing starts trended upward in November with 226,270 units compared to 216,642 units in October, according to Canada Mortgage and Housing Corp. (CMHC). This trend measure is a six-month moving average of the monthly seasonally adjusted annual rates (SAAR) of housing starts.

“The trend in housing starts reached its highest level in almost 10 years this November, reflecting a second consecutive increase in multiple starts,” says Bob Dugan, CMHC’s chief economist. “This largely reflects construction of multiple units in Toronto, where evidence of overbuilding is low due to the decreasing inventory of completed and unabsorbed multiple units and strong demand.”

Given escalating prices of single-detached homes, more homebuyers continued to shift demand towards lower-priced condominium apartments and townhomes. Higher sales of pre-construction condominium units in the past two years will continue to break ground throughout this year, resulting in more condominium apartment starts.

In Guelph, builders started 269 homes, higher than the 62 homes started at the same time last year. Single-detached and townhouse starts were lower this year and fewer lowrise new home sales translated into lower starts.

In the Kitchener-Cambridge-Waterloo area, builders started 658 homes in November, compared to 222 homes a year ago. For the first 11 months of 2017, single-detached starts were lower, while starts for townhouses were up 51 per cent and for apartments, 26 per cent. Demographics are playing a role in new home construction as there has been a shift to smaller households.

Total housing starts in London CMA posted one of the highest levels ever recorded for the month of November. Strong population growth and a low supply of resale home listings have strengthened demand for new single-detached homes, resulting in a 13-year high for single-detached starts during November. In addition, stronger rental demand this year, indicated by the lowest vacancy rate in London CMA since 2001, led to a higher number of apartment starts than the annual record set in 2016.

Single-Detached

All Others

November

November

November

2016

2017

%

2016

2017

44

83

89

12

73

Total

November

November %

November

2016

2017

56

156

%

Metropolitan Areas Barrie

##

179

Brantford

8

8

-

14

2

-86

22

10

-55

Guelph

16

19

19

46

250

443

62

269

334

Hamilton

91

59

-35

81

336

352

172

425

147

Kitchener/ Cambridge/Waterloo

97

88

-9

125

570

356

222

658

196

London

141

163

16

84

478

469

225

641

185

Oshawa

43

111

158

78

188

141

121

299

147

St. Catharines/ Niagara

122

110

-10

28

132

371

150

242

61

1,308

886

-32

1,435

3,014

110

2,743

3,900

42

Toronto Source: CMHC

JAN 6 - 20, 2018 29

PROPERTY PROFILE

URBAN LIVING BY THE LAKE WELCOME TO FRENCHMAN’S BAY IN PICKERING

BY MADISON GROUP With the GO Train offering a short 37-minute commute from Pickering to Union Station and a four-minute walk to the lake, Frenchman’s Bay is set to attract the Toronto professional looking for affordable lakeside living with all of the area’s conveniences, including quick access to Hwy. 401, great restaurants and shops in Nautical Village along Liverpool Road.

Frenchman’s Bay offers 30 NextHome.ca | GTA

a superb range of natural, recreational, heritage, arts and cultural attractions for residents and visitors. It is the spectacular natural landscape and abounding recreational opportunities that make Frenchman’s Bay a coastal haven for outdoor enthusiasts.

You cannot miss Frenchman’s Bay Marina and the significant presence of boaters and sailing activity in the surrounding waters during the summer months.

To the southeast is Beachfront Park with its elevated boardwalk and beautiful views across Lake Ontario. If you’re in the mood to exercise or explore, then head into the Waterfront Trail system that encircles Frenchman’s Bay and runs east and west alongside the Lake’s shoreline.

Three major trails – perfect for cycling, running or walking – traverse protected wetlands and woodlots, bluffs, beaches and

expansive conservation areas.

Frenchman’s Bay offers a modern collection of singledetached, two-storey homes of approximately 2,700 sq. ft. with double-car garages, four bedrooms, 3.5 bathrooms and ample room for families to cook, live and relax in style. S Spacious interiors feature nine-ft. ceilings on the first floor, smooth ceilings throughout and beautifully appointed kitchens with a choice of quartz or granite countertops, upgraded cabinetry and a spa-like master ensuite with a free-standing tub. Singledetached purchasers will be able to further customize their new home at the Madison Decor Studio with a generous bonus offer.

The townhome collection

ranges from 1,910 to 2,215 sq. ft. and will offer single-car garages at grade, generous three- or four-bedroom floorplans on three levels, plus a basement.

Interiors include designer selected natural oak engineered flooring throughout the second floor and smooth ceilings on both the first and second levels.

The carefully appointed kitchens include a wide range of kitchen cabinet choices, and a great selection of granite or quartz countertops.

To learn more about Frenchman’s Bay and its rich surrounding amenities, please visit the Presentation Centre, located at 1635 Bayly St., Pickering, or register online at madisonfb.com for more information.

+ LOCATION Pickering DEVELOPER Madison Group DEVELOPMENT Frenchman’s Bay HOME TYPE Single-detached, two-storey homes, townhomes CONTACT madisongroup.ca

JAN 6 - 20, 2018 31

ADVICE | BILD REPORT

REFORMS COULD PUT LOCAL POLITICS AHEAD OF GOOD PLANNING

BRYAN TUCKEY Land use planning in Ontario is about to undergo significant changes – but the home building and development industry doesn’t believe they will be an improvement.

If passed, Bill 139, Building Better Communities and Conserving Watersheds Act, 2017, will create the Local Planning Appeal Tribunal (LPAT), which will replace the Ontario Municipal Board (OMB), the independent body that hears appeals on local land-use planning matters. LPAT will be mandated to give greater weight to the planning decisions of local communities and will only be able to overturn them if they do not follow provincial policies or local official plans.

The reforms proposed in Bill 139, while well-intentioned, will not lead to faster, fairer, more affordable hearings, as the province hopes. Currently, most development project proposals that end up at the OMB never make it to a hearing because they are settled through a mediation process where all parties agree to the final outcome. The proposed reforms will not only limit successful outcomes from mediation, but will also remove incentives for parties to engage in mediation in the first place.

Worse, under the new rules, good planning could be sacrificed to local politics. Municipal councils 32 NextHome.ca | GTA

will have no incentive to make the difficult decisions that would support progressive provincial plans that mandate intensification.

A great illustration of why this is a problem is the recent controversy over a proposed eight-storey condo on Davenport Road in Toronto. The project was opposed by prominent local residents who pointed out that municipal zoning permitted only a two-storey building on the site.

Yet, in keeping with provincial policies, the city’s official plan envisions intensification along avenues such as Davenport Road. The municipality, like many others, simply hasn’t updated the zoning, and there is nothing in Bill 139 that would require

municipalities to do so. This leaves the onus on developers to apply for rezoning and wait for approvals, delaying the building of much-needed new housing.

As this example shows, local interest is not always public interest, and the OMB protects the public interest by making decisions based on sound planning principles, away from the pressures of local politics and notin-my-backyard attitudes.

We are not against effective reform of the current planning system, but Bill 139 has fundamental flaws that need to be addressed before the final legislation is passed. BILD, along with its partners, has provided the government with suggestions for specific amendments necessary for a balanced approach to landuse planning.

It is homebuyers who stand to lose the most under the new rules. Unintentionally creating a system that puts politics ahead of good planning will mean fewer homes built in the GTA, exacerbating the pressure on housing supply and prices.

Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and is a land-use planner who has worked for municipal, regional and provincial governments. He can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta) and BILD’s official online blog (bildblogs.ca).

+MORE ADVICE ONLINE nexthome.ca/news/advice

ADVICE | CONDO PRO

COMMUTER COMPUTE COUNT YOUR TRAVEL TIME AMONG YOUR NEW CONDO CONSIDERATIONS

BARBARA LAWLOR

The phrase “location, location, location” is critical when you are shopping for a new condominium.

You likely have preferences for where in the Greater Toronto Area you want to live, for a variety of reasons. The condominium lifestyle affords proximity to local amenities, including transportation routes and options. Those looking at a work commute will want to pay special attention to what is available around your potential choices. This includes being realistic about future commute times.

The best way to find out whether your commute is reasonable from a particular building is to start out from that location during peak traffic times and actually do the drive or take the public transit you would use.

You may be surprised at how long – or short – the trip is. A condominium that is farther from your workplace may, in fact, be a quicker drive, depending on its proximity to major highways or mass transit. Many condominium buyers in areas such as Mississauga, Richmond Hill and Whitby find they have an easier commute to Toronto than many Torontonians have going from one end of the city to the other.

Of course, car-pooling is always a solution in order to use the high-occupancy lanes on major highways.

Fortunately, condominiums are situated close to transit options and nodes. For trips in and around Toronto, whether for work or pleasure, it may make a lot more sense for you to hop onto a bus or the subway.

Another way to look at potential locations is to start from your choices and walk around. What can you get to without driving or even taking public transportation?

Can you shop, do banking, drop off dry cleaning and dine out? In addition, think about where you would often visit, including family and friends. Will it take you long to travel to them?

Whatever your circumstances and preferences, a great condominium location is rightly

at the top of your must-have list. Of course, you want the perfect building for your lifestyle needs, and in the Toronto area, there is something for just about everyone.

Barbara Lawlor is president and CEO of Baker Real Estate Incorporated, winner of the pinnacle 2017 Riley Brethour Award from BILD, and an in-demand columnist and speaker. A member of the Baker team since 1993, she oversees the marketing and sales of condominium developments in the GTA and overseas. Keep current with The Baker Blog at blog.bakerrealestate.com

+MORE ADVICE ONLINE nexthome.ca/news/advice

JAN 6 - 20, 2018 33

FEATURE | INVESTMENT

The student The executive

STRATEGIC OBJECTIVES

The singlefamily

34 NextHome.ca | GTA

PROVINCIAL ECONOMIES AND MARKETS VARY, AND SO SHOULD YOUR INVESTMENT STRATEGIES

by MELANIE REUTER

The senior

It is often said that there is no such thing as a Canadian real estate

market. You can simply look at your own city or town to see the performance variation across neighbourhoods. The same can be said for inventory choice: Some asset classes such as multi-family, student housing or furnished rentals do better during certain economic times in different cities. Boiled down to its most basic, real estate is based on employment — simply, people need to work and live where there are jobs. The decisions coming from the U.S. will have a huge impact on resource driven regions and we wait with bated breath to see what will happen to forestry, oil and gas and manufacturing if NAFTA meets its demise.

BRITISH COLUMBIA For more than a decade, we have been waiting for the market in BC’s largest city to “correct.” Many believe it is time for a soft landing, with gently decreasing prices and rents, and increasing, nay, some vacancy.

Fatalists, pessimists and Chicken Littles are ready for the big crash.

Is the Vancouver market sustainable? If you buy now, are you the tipping point to the plunge into Alberta-like numbers? Is Vancouver overpriced and unsupportable? These are complex questions with many variables. Prices and rents in New

York, London, Hong Kong and San Francisco are much higher; however, the mitigating factor is that incomes are also much higher, making purchasing and renting at these prices possible.

It is conceivable that prices will continue to climb.

The BC Real Estate Association was forecasting an 8.8-per-cent decline in sales for 2017, but a 3.1-per-cent increase in average prices to $712,300, from $691,100.

BC’s economy has been the envy of the country. Employment is at a record high and it is anticipated that soon the demand for workers will surpass supply. BC is focused on pursuing Liquefied Natural Gas (LNG) investments,

creating and supporting the emergence of small businesses and increasing trade with Asia. It remains to be seen how the new administration in the U.S. will affect BC’s economy, with fears that threats to crush NAFTA will significantly impact the softwood lumber trade.

Although Metro Vancouver is desirable, for a real estate investor, given how low rents are relative to expenses, it is nearly impossible to cash-flow using a standard down payment of 20 per cent. Many investors are looking to the Fraser Valley for better returns. A population explosion in the east Valley means a strong demand for housing.

JAN 6 - 20, 2018 35

Executive suites

BC average residential sales and prices

November 2017 year-over-year price change

Sales

Kootenays: 10.3%

If you want to speculate on increasing values, rents and housing demands, consider the following housing types and strategies:

Kamloops: 3% Northern BC: 0.8% South Okanagan: -1.4% Vancouver Island: -8.8% Okanagan: -9.3% Fraser Valley: -9.5% Metro Vancouver: -10.0% Powell River: -10.1% Chilliwack: -13.1% Victoria: -16.2%

Prices

Chilliwack: 18% Vancouver Island: 16.1% Powell River: 13.3% Victoria: 11.5% Kootenays: 10.8% South Okanagan: 9% Okanagan: 6.3% Kamloops: 5.8% Northern BC: 5% Fraser Valley: 4.1% Metro Vancouver: 0.7% SOURCE: BC REAL ESTATE ASSOCIATION

36 NextHome.ca | GTA

FURNISHED OR EXECUTIVE RENTALS

In Victoria and Vancouver, consider supplying fully furnished units for executives, people in the movie industry or others staying for extended periods but not moving permanently.

VACATION RENTALS

In destination locations where tourism abounds (think Wine Country, Whistler, Harrison Hot Springs, Vancouver and the Island, and eco-tourism/fishing cities such as Chilliwack and Squamish).

Know that this type of rental is very demanding of your time and you must be knowledgeable of the wants and needs of travelers. It is extremely important that you know the stance your chosen city takes on Airbnb or Vacation Rental by Owner because operating against municipal policies could mean a very costly end to your investment.

BUYING PREMIUM RENTALS

One safeguard against a tanking real estate market and a subsequent spike in vacancy rates is to buy a highly coveted unit. If the market takes a turn and vacancies hit double digits, your penthouse or corner unit or garden walk out will be the first rented. Keep cash-flow in mind always, but do what you can to make it work and know you will fetch a rental premium.

HOMES WITH THREE OR MORE BEDROOMS

The Fraser Valley is a magnet for families who are moving to the area for lower housing and lifestyle costs. Singlefamily homes or townhomes with three or more bedrooms currently have zero days on the market before they are filled with excellent tenants.

Student housing

ALBERTA As Alberta continues to climb out of a three-year recession, many pundits believe the market is going to start making a slow recovery. U.S. government decisions will have a huge impact on the province, given that most cities are completely in bed with the oil and gas industry. The decision to move forward with the Keystone pipeline is good news, as is the increase in cost of a barrel.

Alberta is still in “proceed with caution” mode. For those people who are already in the real estate market – particularly those who bought properties between 2006 and 2015, dropping rents and values and soaring vacancies due to provincial-wide job loss and emigration will take some time to come back from. Owners with the oldest, least renovated or maintained properties, in transitional neighbourhoods are feeling it the most.

Yet, well-informed investors may stand to do very well in the medium and long term. Many economists believe the real estate market in Alberta is poised for recovery.

Purchasing at today’s prices, even with rents that are $200 to $300 lower than they were 10 years ago, makes a lot of sense if you believe rents and values will only go up in the next 10 years.

If building your portfolio in Edmonton or Calgary and the promise of an increasing market is appealing, consider the following types of properties and strategies: STUDENT HOUSING

People go to school when the market is good and when the market is bad. Student housing is always a good bet (just make sure there is a post-secondary

institution nearby and do your homework). International students lend to the boon in tenants, and if you speak another language, try some creative marketing ideas.

IMPECCABLY MAINTAINED PROPERTIES

With a supply of vacant homes, make sure you aren’t just buying the cheapest property out there. It may be a steal of deal, especially if the market heats up, but in a down market, you may get poor tenants. With plentiful choice and relatively low rents, tenants can pick whatever home they want in whatever neighbourhood they JAN 6 - 20, 2018 37

Alberta average residential prices October 2017 year-over-year price change

8.3%

10% 8%

3.3%

6%

Calgary

4%

4.9%

Edmonton

4.9%

South Central Alberta

Medicine Hat

2% 0% -2% -4% -6%

-0.2%

Alberta West

-8%

-2.2%

-2.9%

Central Alberta

-4.4%

Lloydminster

Lethbridge

-10% -12%

-11.6%

-14% -16% -18% -20%

-14.7%

Fort McMurray

Grande Prairie

SOURCE: CANADIAN REAL ESTATE ASSOCIATION

wish. Make sure your property is coveted – think the ground floor garden condo or penthouse.

CASH-FLOW IS KING

Although the bet is on an appreciating market, Edmonton and Calgary may stay flat for some time to come. Know that you will inevitably need a new appliance, some repairs worth hundreds of dollars, and have a few weeks of vacancy with no income. Make sure that you have some income to shoulder this tough market, and then watch the dollars roll in when the economy strengthens.

BE WARY OF SMALL TOWNS

Although homes in towns outside of the two major cities are often affordable and make investing accessible, know that many of these single-industry locations have vacancies in the double digits, and even when the market heats up, they will be the last to feel the upswing. Be prepared to maintain the status quo for a longer period of time.

38 NextHome.ca | GTA

ONTARIO “Double, double, toil and trouble…” If Bank of Montreal Chief Economist, Douglas Porter is to be believed, the Greater Toronto Area real estate market is in a bubble that could burst.

Although, climbing real estate prices have become a humdrum topic at cocktail parties, if you already own property in Canada’s biggest city, making double-digit growth on your asset in one year is not boring, it is nothing short of unbelievable. Most of the GTA is feeling the price explosion.

Ontario’s economy (the largest in Canada and twice that of Quebec, which is second) continues to grow. Its diversified economy is still heavily in favour of manufacturing, and much like almost all other provinces, will be at the effect of the decisions made by the Trump administration, which can heavily impact the car industry. In

November, the unemployment rate fell to 5.5 per cent – the lowest since July 2000.

The GTA remains the biggest draw to people moving to Ontario, with most new people immigrating from overseas.

People are flocking to Hamilton as well, a city with solid economic fundamentals that many never believed would be a draw for so many. Transit improvements and relative affordability compared to the GTA means it is a more affordable option.

No one can time the market. Perhaps we are not on the precipice of more price appreciation, but unless you have deep pockets and nerves of steel, there are high risks. If you are looking to buy a rental property, the near impossibility of generating positive cash-flow, given the high prices, makes looking outside Toronto more prudent.

Transit friendly

GTA sales and average price by major home type November 2017 year-over-year per cent change

Average Price

Sales 416

905

Total

Detached

-18.9%

-19.2%

Semi-Detached

-4.0%

-7.4%

Townhouse

-17.6% -6.1%

Condo Apartment

416

905

Total

-19.1%

-5.1%

-6.2%

-5.8%

-6.2%

-0.7%

2.2%

1.2%

-6.4%

-9.3%

12.3%

2.7%

4.8%

-12.3%

-7.9%

17.7%

10.6%

16.4%

SOURCE: TORONTO REAL ESTATE BOARD

Your strategies will depend on what you believe the market is going to do and what your real estate timeline is. Consider these opportunities: DON’T BUY

If you already own a property or two in Toronto, this may be the time to execute a not often talked about real estate strategy – sell. Even if it is your own primary residence, consider cashing in on the 20 per cent equity appreciation you just made in the last year and rent. Hang on to the equity and buy two properties if the market does indeed crash.

FIX AND FLIP (OR JUST FLIP)

Depending on your time horizon

and your ability to get it done, quick transactions in a market appreciating the way Toronto’s is, can net you some sweet pocket money. Know that this is a very risky strategy, especially if you don’t know what you are doing or the market makes a sudden turn.

And keep in mind to factor in realtor fees upon sale.

MULTI-FAMILY BUILDINGS

If you can find them, multi-family buildings are a solid investment.

You don’t have to deal with (or pay) strata if you own the whole building, contend with owneroccupiers and, of course, can often get the units at wholesale prices. Property management is often much cheaper and repairs

and maintenance are scalable, saving money all around.

BUY NEAR TRANSIT

This strategy makes sense for a few reasons: Students, especially those from overseas, use and seek public transportation; more and more aging baby boomers and older seniors rely on transit (particularly in lower socio-economic neighbourhoods); immigrants used to it or out of necessity seek it out; and Millennials often embrace their freedom to not own a car. Rents and values are often 15 per cent within walking distance to rapid transit, compared to similar properties outside of the transit scope.

Melanie Reuter is a real estate researcher, writer and consultant.

She is also an investor with properties in Alberta and BC. JAN 6 - 20, 2018 39

TRENDING

DAVID WILKES APPOINTED CEO OF BILD The Building Industry and Land Development Association (BILD) board of directors has named David Wilkes as its new president and chief executive officer, effective Jan. 3, 2018. Wilkes succeeds Bryan Tuckey, who has been at the helm for five years.

“We are thrilled that David will join BILD and lead it through its next period of growth,” says BILD Chairman Darren Steedman.

“This is the culmination of an extensive search process. We are pleased to have found an individual with the background, skills and leadership to take BILD to new levels of advocacy.”

“This is an exciting time for BILD, and I am delighted to be taking on the role of president

and CEO,” says Wilkes. “I’m ready for the challenge of leading an industry that employs over 197,000 people and brings $30 billion in investment value to the Greater Toronto Area.”

Wilkes was most recently senior vice-president of government relations and grocery at the Retail Council of Canada (RCC), where he provided leadership to a national team responsible for RCC’s government relations activities at the national, provincial and municipal levels.

He established RCC’s grocery division in 2011 and the unique CEO-based forum known as Grocer Manufacturer Collaborative.

David Wilkes

Wilkes brings more than 25 years of senior management experience and has provided strategic leadership for the retail industry as a passionate spokesperson, appearing in front of parliamentary committees, senior cabinet ministers and industry groups.

PLAZA FUNDS SCHOOL’S OUTDOOR CLASSROOM Plaza recently made a $10,000 contribution to St. Pius X Catholic School in the west end of Toronto to help build its outdoor classroom.

The new Plaza Outdoor Classroom will be built under four, 15- to 20-year-old trees using five large hand-crafted wooden log benches for seating of up to 30 children. It will be an esthetically pleasing but practical landscaping project to be used year-round by the community and the school’s 600 Junior Kindergarten – Grade 8 students.

“It is our hope that we will be launching our new project in the area some time in 2018,” said Scott McLellan, senior vice-president of Plaza, referring to 2452 Bloor Street West Condos, a new condo development by Plaza located at Jane Street and Bloor Street West in Bloor West Village.

“Our commitment to this school is another 40 NextHome.ca | GTA

example of Plaza’s philosophy of becoming a part of the communities in which we build.”

A launch for the 14-storey, 244-unit development is planned in 2018.

Left to right: Robyn Rabinowitz VP development, Plaza; Barbara Poplawski trustee for St. Pius X; Sarah Doucette city councilor; Scott McLellan SVP Plaza.

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Andrin Homes’ unsurpassed quality and innovative designs play an integral part in every home we build.

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Visit our website for the most up-to-date information on our exciting communities.

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TRENDING

STRESS TEST SURVIVAL GUIDE WHAT YOU CAN BUY NOW, WITH THE NEW MORTGAGE REGULATIONS

by SONIA BELL & WAYNE KARL

It’s January 2018, prospective homebuyers, and you know what that means: The new mortgage stress test is in play.

But what you may not know is how much it’s going to impact your homebuying budget. Nor would be alone: A new study from ReMax found that fully 37 per cent of Canadians aren’t aware of how the changes will affect their ability to purchase a property in the future.

If you’re among them, you may be feeling the stress, indeed.

But here’s our guide showcasing what you can afford with the new regulations.

Towards the end of 2017, the Office of the Superintendent of Financial Institutions (OSFI) introduced new, tighter mortgage rules, requiring borrowers with uninsured mortgages (those putting a down payment of 20 per cent or more) to undergo a stress test. As of Jan. 1, 2018, uninsured borrowers must now qualify at a new minimum rate – the greater of the Bank of Canada’s five-year benchmark rate, which currently sits at 4.99 per cent, or 200 basis points higher than their mortgage rate.

While the stress test aims at ensuring that borrowers can afford mortgage rate hikes, some sources are questioning ¬– if not outright opposing – the latest mortgage rule.

42 NextHome.ca | GTA

“Those of us working in the mortgage industry question if now is an appropriate time to introduce more regulations, which will cool markets across the country further,” says James Laird, co-founder, ratehub.ca, and president of CanWise Financial.

“We have yet to see the full impact of regulations added over the last 12 months, combined with rising interest rates. A more prudent approach would be to let these new variables work their way through the real estate markets and decide if further tightening is required.”

The Ontario Real Estate Association (OREA) is also not a fan. “With the recent Mortgage Professionals Canada report, it’s extremely disappointing to see that

40,000 to 50,000 homebuyers, who’ve been carefully saving for a down payment, will be punished by the new mortgage lending rules,” OREA says. “All levels of governments need to stop the piling on of new policies that will not only have a negative effect on the economy, but also shatter the homeownership dreams of the middle class. Ontario realtors believe the best way for governments to tackle the issue of home affordability is to increase housing supply by cutting the red tape that stalls building, speeding up building approvals process, and putting more shovels in the ground.”

Importantly, prospective homebuyers, those who stand to be most affected, haven’t yet grasped the full repercussions of the new policy, which could disqualify 10 per cent of purchasers, according to The Bank of Canada.

Fifty-eight per cent of respondents are aware of the new rules, but 27 per cent of respondents stated they don’t believe it will impact the type of property they purchase; 18 per cent believe it will impact the property type they purchase; and 13 per cent are unsure of how the new regulations will affect their ability to purchase a property.

The harsh reality is that the new rules will reduce buyers’

purchasing power substantially. In some cases, decreasing the overall price of a home they can afford by tens of thousands of dollars. We calculated how much a buyer can afford, now that the new rule has taken effect.

The methodology: Using ratehub.ca’s mortgage affordability calculator, we determined how much a family can afford with a household income of $100,000 and qualifying for a five-year fixed mortgage amortized over 30 years.

The corresponding chart presents a typical scenario: A family qualifying for a mortgage rate of 2.84 per cent. In this case, they would need to qualify at

the Bank of Canada’s five-year benchmark rate, currently at 4.99 per cent.

For a selection of centres in the GGH, we show the minimum household income required, and how much of a down payment you would need, in order to buy a home at the average price in that market.

Homebuyers are purchasing in a rising interest rate environment – interest rates grew twice in 2017 and are expecting to continue to rise between 2018 and 2019, according to CMHC. The new stress test is aimed at protecting homebuyers; it is a tool used to ensure that buyers do not spend

more on a home than they can actually afford and safeguards them from feeling financial stress should interest rates rise.

Royal LePage is among those to predict the new mortgage stress test will significantly influence the market, especially in the first six months of the year, as buyers re-evaluate their finances and expectations and adopt a “wait and see” approach.

By reducing buyers’ purchasing power, the stress test will likely result in further demand for entry-level properties, namely the condominium segment, which could continue to drive prices higher, which could further limit what kind of property you can afford.

Ratehub.ca OSFI Mortgage Affordability Calculations Assumptions: • Qualifying Rate: 4.99% (Bank of Canada Benchmark, December 2017) • Down payment: 20% • Amortization period: 25 years • Heating Costs: $195 (Ontario average)

Toronto

Minimum Household Income Down Payment Home Price

$146,333 $166,753 $833,767

Mississauga

Minimum Household Income Down Payment Home Price

$132,836 $142,264 $711,324

Brampton

Minimum Household Income Minimum Household Income Home Price

$122,655 $146,425 $732,130

Oakville

Minimum Household Income Down Payment Home Price

$239,984 $267,854 $1.33M

Durham

Minimum Household Income Down Payment Home Price

$122,762 $130,965 $654,827

Hamilton / Burlington Minimum Household Income Down Payment Home Price

$112,369 $119,308 $596,541

Minimum Household Income Down Payment Home Price

$93,755 $99,845 $499,224

KWC

JAN 6 - 20, 2018 43

ADVICE | MORTGAGE INTEL

3 TIPS TO MAKE MORTGAGE RENEWAL TIME EASIER

ALYSSA FURTADO

Unless you have the money to pay off the entire balance of your mortgage in your first term, you will have to face a few mortgage renewals.

A renewal involves taking the outstanding balance of your mortgage and renewing it for another term at a new (and hopefully lower) interest rate.

You’ll know it’s time to renew when your current mortgage provider sends you a renewal notice. It typically includes a new mortgage rate and term offer.

However, it’s in your best interest to take a more proactive approach.

Here are our top three tips to prepare for an easier mortgage renewal time: 1. CONSIDER YOUR CURRENT FINANCIAL GOALS

Before you simply accept your renewal offer, review your financial goals.

First, determine if your current provider can offer a mortgage product that suits your needs. For example, if have a five-year fixed rate right now, the renewal slip will likely be for another five-year fixed. If you think you’ll stay in your home for that amount of time, that works just fine. But if there’s a chance you’ll downsize or move to a new city in the next few years, you may want to look for a threeyear mortgage product instead.

Second, consider your 44 NextHome.ca | GTA

prepayment options. If you could receive a bonus, inheritance or some other source of extra funds, consider how the mortgage renewal could affect your prepayment options.

2. NEGOTIATE AND SHOP AROUND EARLY IN THE PROCESS

Last-minute planning isn’t a winning strategy for mortgage renewals.

While your current lender will likely send you a renewal slip sometime in the last 30 days of your mortgage term, you can generally start negotiating as early as 120 days before your maturity date.

If you can’t negotiate a better offer, starting early gives you enough time to consider switching providers. You may not be able to switch your mortgage over until your actual renewal date arrives, so it’s best to give a mortgage broker time to find the best product available.

3. ASK FOR A BETTER MORTGAGE RATE

Often, the route to a better

mortgage rate begins by simply asking for one.

Lenders make it incredibly easy for you to renew with them, but you’ll literally pay for the convenience. On average, mortgage providers offer existing customers a discount of only 0.25 per cent off their posted rate upon renewal.

Some people are too intimidated to negotiate with lenders. But you can ask your provider for a better mortgage rate and, if they want your business, they will offer you one.

And if they don’t, maybe it’s time to shop around.

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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NEIGHBOURHOOD PROFILE

DOWNTOWN WHITBY CATERING TO A VARIETY OF LIFESTYLES HOT SPOTS

CAFFE DEMETRE Caffe Demetre specializes in desserts. They offer a wide variety including crepes, waffles, cake, pie and hot and cold drinks.

Everything, including the ice cream, is made fresh in the restaurant.

LAUREN SHORSER

With a mixture of lively stores and restaurants and quiet residential streets, Downtown Whitby caters to a variety of tastes and lifestyles.

The area is attractive to families, with plenty of parks, schools and a public library. It also appeals to lovers of nightlife with its proximity to restaurants, pubs, and entertainment. Downtown Whitby has some excellent shopping, and is close to highways and the GO station.

THE VIBE

The core of Downtown Whitby runs along Dundas Street. The main shopping area, with stores, restaurants, pubs, entertainment, 46 NextHome.ca | GTA

and businesses, is concentrated around Dundas and Brock, with the action extending several blocks in all directions. Outside the core, the residential streets are quiet and peaceful.

IN THE AREA

Downtown Whitby is a familyfriendly neighbourhood, with elementary schools (English and French immersion), a high school and a boarding school.

Parks and parkettes are scattered throughout the area.

CAPTAIN GEORGE’S FISH & CHIPS Voted the No. 1 Readers’ Choice for Best Fish & Chips in Durham Region, Captain George’s has English-style fish and chips. You can eat in, take out or have it delivered.

THE GOOD, THE BAD & THE REST

Downtown Whitby is a great place for people with different lifestyles.

Families are attracted to schools and parks, while singles and young professionals like the restaurants, pubs and entertainment.

Convenient access to shopping and businesses appeals to people from all walks of life.

CUPCAKE JUNKIE Cupcake Junkie is a local bakery selling desserts, soup and sandwiches.

Cupcakes are a specialty, but you can also find some excellent cheesecake, tiramisu and ice cream.

Check out the daily specials for cupcake deals.

Your NextHome is here.

Find the perfect new home or condo in the neighbourhood that fits your lifestyle.

PROPERTY PROFILE

RADIANCE TOWNHOMES FIRST RELEASE OF TOWNHOMES IN INNISFIL SELLS QUICKLY

48 NextHome.ca | GTA

Radiance will bring one-of-a-kind contemporary architecture to Innisfil.

In just 10 days, the first release of Radiance contemporary urban townhomes in Innisfil recently completely sold out.

This superb collection of bright and spacious modern designs by DIAM Developments is situated close to Lake Simcoe’s sparkling waterfront and minutes from an array of lifestyle amenities, just south of Barrie and within a onehour commute of the GTA. New-home buyers were drawn to the distinct modern architecture which envelops deluxe designs ranging from three- to fivebedrooms in sizes from 1,539 to 2,205 sq. ft. Open concept main living areas, large decks and optional rooftop Sunshine Terraces combined with innovative Flex Space on the ground floor make these townhomes truly shine.

Radiance boasts many fine interior finishes and high-quality materials, such as engineered laminate flooring throughout main

and second floors, tile flooring in kitchen, laundry, mudroom and bathrooms, natural oak hardwood stairs with custom railings, modern posts and pickets. Also included are nine-ft. ceilings on main living and upper levels with large windows, elegant cabinetry throughout with quartz stone countertop in bathrooms. Deluxe master ensuite bathrooms have deep soaker tub and ceramic tiled shower with frameless enclosure.

Radiance is located less than 15 minutes’ drive to the South Barrie GO Station, and just 10 minutes from Hwy. 400 for travel north and south by car. The community is close to beautiful parks, schools, shops and restaurants, fitness and recreation, as well as Lake Simcoe’s attractive waterfront.

The second release of Radiance will be offered for sale in second quarter 2018. Register today at radianceinnisfil.ca DIAM has established its

reputation as a superior builder of luxury homes. The company’s goal is to bring the same quality to the condominium and townhome market. In the growing Town of Innisfil, DIAM has the perfect locale at Radiance.

+

LOCATION Innisfil DEVELOPER DIAM Developments DEVELOPMENT Radiance HOME TYPE Townhomes CONTACT radianceinnisfil.ca

JAN 6 - 20, 2018 49

INSPIRATION FOR THESE PRODUCTS AND MORE VISIT HOMESENSE.CA

IN THIS SECTION

THE LATEST DESIGN TRENDS

INTRODUCING...

2018’S ‘IT’ COLOUR

DECOR ADVICE FROM TIFFANY PRATT

JAN 6 - 20, 2018 51

INSPIRATION | COLOUR TRENDS

1

We show you how to colour your world with Ultra Violet – PANTONE’S DRAMATIC 2018 COLOUR OF THE YEAR

by SARA DUCK

2

3 1 | 6Qt. enamel dutch oven in purple by Lodge $199. walmart.ca 2 | Ball Animal 2 upright vacuum $600. dysoncanada.ca 3 | Agate coasters $50 (set of four). homesense.ca 4 | Embrace chair in purple dusk $899. ikea.ca 5 | Giraffe spots floor pillow

by Ebi Emporium $114. wayfair.ca

4 52 NextHome.ca

5

7

4

6

6 | Pjätteryd orchid spectrum picture $35. ikea.ca 7 | Reversible wool blend throw in African Violet/Lavender by Cashmere Collection. $399 wayfair.ca 8 | Professional 600 stand mixer in plumberry purple

by KitchenAid $568 amazon.ca 9 | Trillium parka in Arctic Dusk $895. canadagoose.com 10 | Wyndham area rug in purple (8 by 8 ft.) $960. homedepot.ca 11 | Curio 3-piece luggage set by American Tourister $432 walmart.ca 12 | Essential Series 14-piece stainless steel serrated knife set by Ginsu $85 amazon.ca 13 | Purple Rain vinyl record

by Prince $21 amazon.ca

10 8 9

13

11

6 12

INSPIRATION | STYLE FILE

2018

TREND FORECAST DESIGNER JO ALCORN GIVES YOU THE LOWDOWN ON WHAT WILL BE TRENDING THIS YEAR

by JO ALCORN I LOVE WHEN DESIGN TRENDS FOR THE NEW YEAR

BOLDLY Canadian

ARE REVEALED. IT’S THE PERFECT TIME TO START THINKING ABOUT UPDATING YOUR HOME AND DECOR. THIS YEAR, I AM SEEING (AND LOVING!) ALL THINGS DRAMATIC. HERE IS A SNEAK PEEK AT THE TRENDS I SEE EMERGING THIS YEAR – MANY OF WHICH WILL BE INCORPORATED INTO MY 2018 DESIGN PROJECTS!

Think PINK I’ve always been obsessed with white, but this year it’s time for my love affair with white to take a backseat. I predict pink to be a big design trend in 2018, and I have already started incorporating the hue into my latest design projects (stay tuned). Want to add a bit of blush to your space? Why not try Pleasant Pink 2094-60 by Benjamin Moore on your walls. For decor options, check out the super affordable items from Bouclair, from side tables and throws to artwork and accessories – they’ll have you tickled pink.

54 NextHome.ca

This year, expect to see big and bold patterns and more items made in Canada. That’s certainly the case with my Jo Alcorn Line. From my matching dog beds and throw pillows, to my new wallpaper line, both are following these trends: Made-in-Canada and big, bold patterns.

HEAVY Metal

Brass and bronze items are slowly creeping into every part of the home.

From brass tableware (a great selection can be found at wayfair.ca) to bronze lamps, clocks, bookends and artwork from HomeSense, there are so many options to add a pop of shine to your home – even with kitchen appliances!

The Sunset Bronze kitchen suite from Whirlpool is functional and stylish, bringing warmth to any cooking space with its rich, metallic, bronze finish.

MIXED Materials Look out for a mix of materials in furniture pieces this year, such as this gorgeous, multi-function table from Structube (left). It incorporates many of the trends I am seeing this year, such as a mix of wood, glass and metal along with drawers. This piece is the perfect blend of function and style.

Back in BLACK

It’s all about black in the bathroom for 2018!

This concept is drastically different from the all-white trend of late and packs a punch when you enter the bathroom. The inky and edgy sophistication of matte black is the goto finish for the design-savvy homeowner, looking for a dose of drama in their space.

From shower heads to faucets, towel bars and hooks, these black accents from Delta Faucet are offered in a variety of showstopping collections including the Trinsic and Ara.

Jo Alcorn is a design specialist and designer on HGTV’s Home to Win, out this spring. She has her own furniture collection, signature pillow and dog bed line and is known for her savvy design concepts. Visit Jo at whitewashco.ca JAN 6 - 20, 2018 55

INSPIRATION | STYLE FILE

NEW YEAR,

NEW SPACE

DESIGNER, STYLIST AND CREATIVE COLOURISTA TIFFANY PRATT, HELPS YOU REACH YOUR 2018 #DECORGOALS IN THREE EASY STEPS

A COMMON STRUGGLE PEOPLE FACE WHEN DECORATING THEIR SPACE IS DECIPHERING THEIR OWN PERSONAL STYLE AND HOW TO INCORPORATE IT INTO THEIR HOME. I SPENT THE FALL SEASON TRAVELING ACROSS CANADA, SPEAKING ABOUT TRANSFORMATION; THESE ARE MY TOP THREE TIPS ON HOW TO EASILY – AND AFFORDABLY – TRANSFORM YOUR SPACE TO MAKE IT YOUR OWN.

GET MORE INSPIRATION FROM TIFFANY IN HER BOOK THIS CAN BE BEAUTIFUL. $25. chapters.indigo.ca

56

Pratt on her speaking tour, at a stop at Urban Capital’s Queensway Park in Etobicoke

1. KEEP A COLOUR LOG!

3. USE WHAT YOU ALREADY HAVE

For a week, pay attention to colours you see when you’re watching TV, shopping at the mall or grocery store, or even taking a walk through a park. If you really open yourself up and pay attention to colours, you’ll notice which ones you react positively to. Take photos on your phone and when it comes time to decorate, try to incorporate those colours into your home.

We all have items that are dated or beat up that we can’t wait to get rid of. But, often all these pieces need is a fresh coat of paint and new hardware to give your space a fresh new look! Be creative with that chipped bedside table, and don’t be afraid to re-upholster those dining room chairs with a fun new pattern and material. There are many step-by-step tutorials you can follow online.

2. WALLPAPER IS YOUR FRIEND!

Her trademark hair and big energy make Tiffany Pratt unforgettable. Tiffany fell in love with beautiful things at a young age. Today, that appreciation for beauty has carried through to her day-to-day work. As a designer, stylist, maker and author, she is trained to see the exquisite in the unexpected. Her style mixes old with new and merges elegant with livable. Above all, she lives and breathes her truth that “this can be beautiful.”

Gone are the days of your grandmother’s wallpaper that took forever to remove and sometimes damaged the walls. Today’s wallpaper is easy to apply and is hassle free when the time comes to change it up. I always recommend wallpaper, especially for accent walls, as it’s a cheap and easy way to totally change the look of a room, and it can be done as often as you like!

Twitter/Instagram: @thetiffanypratt Facebook: facebook.com/thetiffanypratt/ Website: tiffanypratt.com

JAN 6 - 20, 2018 57

INSPIRATION | SHOP TALK

TASCO APPLIANCES

TASCO APPLIANCES From its humble beginnings in the back of a small furniture store, Tasco Appliances has become a respected dealer of high-end appliances citywide. In the 1960s, owners Mike Sayer and Lou Maurice bought out the furniture store and over time, focused their efforts on specializing in appliances.

By the late 1970s, Sayer’s son James had taken over the business, adding a focus on high-end luxury appliances. “My dad was born in England and lived through the 58 NextHome.ca

depression. He said if a $500 fridge worked, then buy it,” says James Sayer. “When I came in, everyone else was selling that $500 fridge, so I steered toward a higher-end product, the stuff that you won’t run into at a big box store.”

Tasco Appliances has succeeded by keeping up with the changing ways people shop. At first the store catered to contractors and builders, but in the 1980s, it opened a Kitchen Design Division to provide advice for people designing their own kitchens. In

the early 2000s, people weren’t willing to fight through traffic to go to one store, so the company expanded to five stores spread out across the GTA. “It’s a very competitive business,” says Sayer. “My theory is that within the GTA you can get to a Tasco store within 15 minutes.”

APPLIANCE PROFESSIONALS

Tasco Appliances has kept up with the expanding options on the market. By carrying higher end appliances, it offers its customers a

TASCO’S MISSION Everyone… passionately creating loyal customers for life.

“Our tag line is we are appliance professionals. We don’t have to oversell, and we don’t undersell. We’ll figure out what works for you.”

– James Sayer, owner of Tasco Appliances

greater value than what you might find in other stores.

Sayer considers buying a new appliance an investment in your home. Rather than being a luxury, appliances are considered a necessity. Tasco Appliances salespeople understand this and are trained to provide the latest information so the consumer can make an educated decision.

“All of our salespeople go through sales training every Saturday morning,” says Sayer.

“We don’t have to oversell, and we don’t undersell. We’ll figure out what works for you.”

HIGH-END CUSTOMER SERVICE

At Tasco, training goes beyond knowledge of the product – it also focuses on how to help a customer find what they need for their home. The staff is trained to listen to a problem and provide solutions that day rather than three weeks in the future.

Tasco Appliances takes customer service beyond the doors of its showrooms; it even coordinates service calls with the manufacturers to ensure the customer is satisfied.

“Every penny I made went into how I can make it a better buying experience for the customer,” says Sayer. “Word of mouth isn’t just important – it is everything to me.”

SPONSORED CONTENT / For more information, visit tascoappliance.ca JAN 6 - 20, 2018 59

PROPERTY PROFILE

WHITBY MEADOWS FIVE GTA BUILDERS ENJOY WILDLY SUCCESSFUL NEW HOME LAUNCH Coming off a successful Preview Grand Opening, Paradise Developments, Arista Homes, Fieldgate Homes, Opus Homes and Deco Homes recently launched one of Whitby’s most-anticipated residential developments – Whitby Meadows.

Each builder released their exclusive collections of homes, which included detached homes on 30- and 36-ft. lots, semi-detached 60 NextHome.ca | GTA

homes and freehold townhomes.

With close to 200 homes during opening weekend, Whitby Meadows was a huge success and the community is now officially open to the public. Towns at Whitby Meadows begin in the upper $500’s, semis from the low $700’s, and singles from the upper $700’s. Each builder is still open and there is a great selection of new homes available. Bonus

packages and incentives are also still available.

Built around an inviting 10-plus acre park, Whitby Meadows represents the ultimate combination in comfort and elegance in the most sought-after location.

Featuring both traditional and contemporary architectural details, exteriors will boast a combination of brick, stone and stucco detailing

in a variety of different layouts and configurations. Interior features will include nine-ft. ceiling heights on first and second floors, expansive gourmet kitchens – some with granite countertops, thermopane low E argon Energy Star qualified vinyl casement windows, hardwood floors in main principal rooms, and oak staircases.

Situated close to an array of social and recreational amenities, Whitby Meadows is near an abundance of excellent schools, parklands, open greenspaces and a proposed trail system nearby. Located at Rossland and Coronation in West Whitby, residents are ideally close to a range of sports and entertainment facilities including the Iroquois Park Sports Centre, Canada’s largest municipally owned and operated recreation facility.

Minutes away from a variety of retail establishments, Whitby also features first-class shopping with a unique collection of stores and restaurants.

Commuting made easy, residents at Whitby Meadows are in close proximity to Hwy. 401, the new Hwy. 412, and Hwy. 407, which will be extended in the near future.

Just minutes away, the GO Station offers residents convenient access to the Town’s local transit hub.

Whitby Meadows Presentation Centre is located at Taunton Road West and Coronation Road in Whitby. The complex features sales offices for each builder to showcase their offering. Hours are Monday to Thursday from 1 to 8 p.m., closed Fridays, open Saturday, Sunday and holidays from 11 a.m. to 6 p.m.

To learn more about Whitby Meadows, visit whitbymeadows.com

+ LOCATION Whitby DEVELOPERS Paradise Developments, Arista Homes, Fieldgate Homes, Opus Homes, Deco Homes DEVELOPMENT Whitby Meadows HOME TYPE Detached and semidetached homes and freehold townhomes

SALES CENTRE Taunton Road West and Coronation Road in Whitby, open Monday to Thursday from 1 to 8 p.m., closed Fridays, open Saturday, Sunday and holidays from 11 a.m. to 6 p.m.

CONTACT whitbymeadows.com

JAN 6 - 20, 2018 61

ADVICE | LEGALLY SPEAKING

START 2018

BY PLANNING FOR THE FUTURE

JAYSON SCHWARZ

Whether you are purchasing a home for the first time, are a seasoned buyer moving in the market or purchasing a retirement condominium, the very action of this significant investment in real estate represents a major life change.

There are a number of issues that you should consider in order to ensure that your house is in order – in 2018 and beyond.

1. How will I hold the title?

If more than one person is buying the property, it is necessary to decide how they will share the title.

There are two ways people can hold title together. The first is generally the way we hold title with our spouses or children, which is called “joint tenancy.” This means that upon the death of one of the parties, the remaining party automatically becomes the owner of the whole property without having to inherit it or having it pass through an estate. The reason is simply that all owners on title own the whole property rather than a part each.

The other way title can be held is as “tenants in common.”

Here each party only owns the percentage allocated to them, although the physical part owned

62 NextHome.ca | GTA

is not described. Upon the death of a tenant in common, his or her percentage of the ownership goes to their heirs in accordance with their will or law. Therefore, remember to discuss this issue when you go see your lawyer.

2. What about a will?

If you have a will, is it up to date and does it represent your current situation or state of affairs? It is important, especially if you have young children, to have your wills completed; not so much for the money, but for a clear resolution of the issue of custody if something happens to both parents.

A will stops sibling disputes, takes care of who will look after children, keeps the government out of your affairs, allows for an orderly disposition of your assets, and will allow you to determine how you are to be buried.

A power of attorney is used when you are physically or mentally incapacitated — there

are two kinds. The first is for your body (what care you will or will not receive). Your representative will determine that. The other is for the management of your financial affairs.

Now is the time to create a will.

Speak to your lawyer and ensure that this important matter is dealt with.

3. What about insurance?

You will need insurance for the house. This is a great time to look at life and disability insurance, and determine if you should be insuring your mortgage in case something happens to the major wage earner.

Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit online at schwarzlaw.ca or email info@schwarzlaw.ca with your questions, concerns, critiques and quandaries.

+MORE ADVICE ONLINE nexthome.ca/news/advice

HOT PROPERTIES

FIND YOUR NEXT HOME The latest properties in the Toronto area to keep your eye on

GTA PREVIEW REGISTRATION 1. ALLEGRO By: Geranium Homes City: Aurora Housing type: 52- and 61-ft. cul-de-sac homes from more than $2 million allegroaurora.com

2. BIANCA

9. GLENWAY

18. THEORY CONDOMINIUMS

By: Andrin Homes & Lakview Homes City: Newmarket Housing type: Townhomes and detached bungalows glenwayliving.com

By: Parallax Development Corporation City: Toronto Housing type: Condominium suites theorycondos.com

10. HILLSBOROUGH By: Great Gulf & Andrin Homes City: Holland Landing Housing type: Detached homes andrinhomes.com • greatgulf.com

11. KINGSWAY BY THE RIVER

By: Tridel City: Toronto Housing type: Luxury condominiums Tridel.com

By: Urban Capital City: Toronto Housing type: Condo lofts kingswaybytheriver.ca

3. BOXGROVE VILLAGE

12. LOGGIAS IN RICHDALE

By: Arista Homes City: Markham Housing type: Family sized freehold townhomes and live/work towns boxgrovevillage.com

13. M CITY CONDOS

4. CITYLUX TOWNS By: Fieldgate Homes City: Thornhill Housing type: Urban townhomes in Thornhill Woods fieldgatehomes.com

5. COBBLESTONES SOUTH By: Fieldgate Homes City: Brampton Housing type: 36-ft. singles up to 3,481 sq. ft. fieldgatehomes.com

6. CONCORD CANADA HOUSE By: Concord Adex City: Toronto Housing type: Condominium suites ConcordCanadaHouse.ca

7. CYPRESS By: Pinnacle International City: Etobicoke Housing type: Condominium suites PinnacleEtobicoke.ca

8. DOWNSVIEW PARK By: Stafford Homes City: Toronto Housing type: Townhomes staffordhomes.ca

64 NextHome.ca | GTA

By: Senator Homes City: Richmond Hill Housing type: Luxury detached homes senatorhomes.com

By: Rogers Real Estate Development & Urban Capital City: Mississauga Housing type: Condominium suites mcitycondos.com

14. MISSISSAUGA SQUARE By: Plaza City: Mississauga Housing type: Condominium suites pureplaza.com

15. QUEEN’S COMMON By: Mattamy Homes City: Whitby Housing type: Detached and townhomes mattamyhomes.com

16. SUMMIT CITY CENTRE By: Summitview Homes City: Mississauga Housing type: Two-storey urban towns summitviewhomes.com

17. SUPERSONIC By: Lindvest City: North York Housing type: Condominium suites lindvest.com/supersonic

19. TIME AND SPACE By: Pemberton Group City: Toronto Housing type: Condominium suites PembertonGroup.com

20. UPPER VALLEYLANDS By: Fieldgate Homes City: Brampton Housing type: Singles, semis and towns fieldgatehomes.com

21. VICTORY HEIGHTS By: Treasure Hill Homes City: Vaughan Housing type: 40- and 42-ft. luxury singles treasurehill.com

22. WESLEY TOWER By: The Daniels Corporation City: Mississauga Housing type: Condominium suites DanielsCityCentre.com

23. WHITBY MEADOWS By: Fieldgate Homes City: Whitby Housing type: Towns and singles fieldgatehomes.com

24. VITA ON THE LAKE, VITA TWO By: Mattamy Homes & Biddington Homes City: Etobicoke Housing type: Condominiums mattamyhomes.com

25. VALHALLA TOWN SQUARE By: Edilcan City: Etobicoke Housing type: Condominiums valhallatownsquare.com

NEW OPENINGS 26. AQUABELLA By: Tridel & Hines City: Toronto Housing type: Condominium suites from 1,767 to over 4,000 sq. ft.

Tridel.com

27. CHELSEA MAPLE STATION

36. ORCHARD WEST

By: Aspen Ridge Homes City: Vaughan Housing type: Townhomes aspenridgehomes.com

By: Treasure Hill City: Bowmanville Housing type: 37-, 40- and 45-ft. singles treasurehill.com

28. CONDOMINIUMS OF CORNELL

37. PACE ON MAIN

By: Mattamy Homes City: Markham Housing type: Condominium suites from 725 to 1,302 sq. ft. mattamyhomes.com

29. CORNELL ROUGE By: Madison Group and Forest Hill Homes City: Markham Housing type: Freehold towns and singlefamily homes cornellrouge.com

30. FOXBAR COLLECTION AT BLUE DIAMOND By: Camrost Felcorp City: Toronto Housing type: Two- and three-bedroom luxury suites and townhomes thefoxbar.ca

31. IMPRESSIONS By: Fieldgate Homes City: The Village of Kleinburg Housing type: Towns, semis and singles fieldgatehomes.com

32. KLEINBURG SUMMIT By: Mattamy Homes City: Vaughan Housing type: Detached and townhomes mattamyhomes.com

33. MADISON LANE By: Reid’s Heritage Homes City: Bowmanville Housing type: Luxury condos madisonlanecondos.com

34. NEIGHBOURHOODS OF MOUNT PLEASANT By: Rosehaven Homes City: Brampton Housing type: Freehold townhomes rosehavenhomes.com

35. NEWTOWNS AT MOUNT PLEASANT By: Primont Homes City: Brampton Housing type: Townhomes primonthomes.com

+

By: Geranium City: Stouffville Housing type: Condo towns paceonmain.com

38. QUEENSWAY PARK By: Urban Capital & Rosewater City: Etobicoke Housing type: Condominium suites queenswayparkcondos.ca

39. RICHLANDS By: Fieldgate Homes City: Richmond Hill Housing type: Towns and singles fieldgatehomes.com

MAPS Locate properties using the map on the following page

46. NOBU RESIDENCES By: Madison Group City: Toronto Housing type: Condominium suites noburesidences.ca

47. FOREST GATE By: Kaneff City: Mississauga Housing type: Luxury town manors across from Lionhead Golf Club kaneff.com

40. TIME By: Treasure Hill Homes City: Aurora Housing type: Urban townhomes treasurehill.com

41. THE MET By: Plaza City: Vaughan Housing type: Townhomes pureplaza.com

42. TOWNS AT ROUGE VALLEY By: Tribute Communities City: Scarborough Housing type: Urban townhomes mytribute.ca

43. VALLEYLANDS By: Fieldgate Homes City: Brampton Housing type: Single-detached fieldgatehomes.com

44. VISTA By: Geranium Homes City: Stouffville Housing type: Condominium one-storey flats and two-storey towns vistaflatsandtowns.com

45. FRENCHMAN’S BAY By: Madison Group City: Pickering Housing type: Townhomes and singles madisongroup.ca

OTHERS (NOT FEATURED ON MAP) ALCONA SHORES By: Bayview-Wellington Homes City: Innisfil Housing type: Luxury singles on 32-, 45- and 48-ft. lots myalcona.com

GEORGIAN SANDS By: Elm developments City: Wasaga Beach Housing type: Towns and singles georgiansands.com

RADIANCE By: DIAM Developments City: Innisfil Housing type: Townhomes radianceinnisfil.ca

VILLAGES OF KILLARNEY BEACH By: Ballymore Homes City: Innisfil Housing type: Detached homes ballymorehomes.com

WHITE PINES By: Mattamy Homes City: Bracebridge Housing type: Detached homes mattamyhomes.com

BUILDERS IF YOU WOULD LIKE TO INCLUDE YOUR PREVIEW REGISTRATION, NEW RELEASE OR SITE OPENING IN THIS FEATURE, JUST EMAIL THE DETAILS TO WAYNE.KARL@NEXTHOME.CA

JAN 6 - 20, 2018 65

HOT PROPERTIES / GREATER TORONTO AREA

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MAP LE GE N D NEW HOMES CONDOS

START YOUR SEARCH

DOWNLOAD THE APP JAN 6 - 20, 2018  67

NEIGHBOURHOOD PROFILE

ANCASTER A BEAUTIFUL AREA OF HAMILTON

HOT SPOTS

ANCASTER OLD MILL This is one of the pricier fine dining options along the downtown Ancaster strip, located in an old stone mill.

TAYLOR STINSON Loosely defined by its boundaries of Wilson Street, Fiddler’s Green Road, Rousseaux Street and McNiven Road, downtown Ancaster is filled with heritage homes and character.

THE VIBE

Ancaster is one of the more beautiful areas of Hamilton, and this town’s downtown area is lined with historic stone buildings from the 1800s housing local businesses and more. People here live a laid-back lifestyle – provided they have the money.

MEET THE NEIGHBOURS

Residents of this area are mixed.

Some bought their homes 68 NextHome.ca | SWO

before the neighbourhood became high in demand, but others have replaced aging detached homes with modern new builds to enjoy both nature and modern convenience.

IN THE AREA

Besides plenty of shopping, the big attraction here is nature and hiking trails. The Dundas Valley Ravine is located nearby, and there are plenty of mom and pop stores nearby – from ice cream to clothing to coffee.

ANCASTER SPA This spa offers pretty much every spa service imaginable, located in a historic, stone building on Wilson Street.

LIFESTYLE

Life is very relaxed here, and homes are located on spacious lots that allow for the utmost privacy. Residents are situated away from the traffic and highways, and there’s a feeling of peace and quiet in the community.

OLD TOWN HALL This historic site is always a big hit with visitors and is part and parcel of a trip to the library, located next door.

SWO

SOUTHWESTERN ONTARIO

IN THIS SECTION

SHOWCASING NEW PROJECTS IN SWO

NEIGHBOURHOOD PROFILE: ANCASTER

MAPS & LISTINGS OF NEW COMMUNITIES

JAN 6 - 20, 2018  69

TRENDING

LOSANI HOMES ADDS BUSINESS 360 AWARD TO SUCCESSFUL 2017

Fred Losani, centre, and John Anthony Losani, left, accept an Ontario Business Achievement Award.

Losani Homes has won the Ontario Chamber of Commerce Business 360 Award. Presented to the Losani team at the recent Ontario Business Achievement Awards ceremony, this distinction recognizes a smallor medium-sized enterprise that exemplifies forward-thinking in all aspects of business.

“We are grateful to receive this recognition,” says Losani Homes CEO Fred Losani. “For over 40 years, our company has operated with one eye on the present and another on the future in order to learn, grow and change with the evolving demands of our customers and the new home and land development industry.

This formula has been highlysuccessful for us, and we are humbled to be recognized for our approach to business.”

Losani Homes’ 2017 accomplishments also include 72 NextHome.ca | SWO

receiving a Gold Award for Building Community Spirit at The National Sales & Marketing Awards; Building Industry and Land Development Association’s Stephen Dupuis Humanitarian of the Year Award for the Losani Family Foundation; three Ontario Home Builders’ Association Awards of Distinction for its Central Park community in Hamilton; the Hamilton Chamber of Commerce Outstanding Business Achievement Award; the Hamilton Consumer’s Choice Award for Top Home Builder; and was given Platinum status as one of Canada’s Best Managed Companies.

The Stoney Creek, Ont.-based company was also presented in 2017 with 10 of the 2016 Hamilton-Halton Home Builders’ Association Awards, including Project of the Year for its masterplanned Central Park community,

recognizing the highest levels of achievement in the areas of building, design, promotion and marketing. In addition, Fred Losani was an Ontario finalist in the 2017 EY Entrepreneur of the Year awards.

Family-owned Losani Homes is Hamilton’s most awarded home builder and a major force in Southwestern Ontario’s real estate market, providing innovative design, industry-leading standards, superb quality finishes and exemplary customer service. The Losani Family Foundation was established to raise the quality of life for people in need, especially children, both here and abroad.

“At Losani Homes, we will continue to create impactful communities in Southwestern Ontario,” Fred Losani says, “as well as making the world a better place through our Foundation.”

Thanks for thinking the best of us 2017 BILD Stephen Dupuis BEST Humanitarian of the Year • 2017 Canada’s BEST Managed Company - Platinum Club 2017 Hamilton Chamber of Commerce BEST Outstanding Business Award for a Large Business • 2017 Ontario Chamber of Commerce BEST Business of the Year 2017 HHHBA BEST Community of the Year, Low Rise - Central Park • 2017 Hamilton Consumer’s Choice Award BEST Top Home Builder 2017 OHBA Awards Of Distinction BEST People’s Choice Award - Central Park • 2017 The Nationals Awards Philanthropy Gold Award for BEST Community Spirit 2017 HHHBA BEST New Bathroom - The Corsica - Central Park • 2017 OHBA AoD BEST Low-Rise Project Sales Brochure (1-3 Storeys) - Central Park 2017 OHBA AoD BEST Most Outstanding New Home Kitchen (New Low-Rise Home 2501 sq ft. & Over) - The Corsica - Central Park 2017 HHHBA BEST New Kitchen - The Corsica - Central Park • 2017 HHHBA BEST Marketing Award of the Year - Central Park 2017 HHHBA BEST Product Design, Low Rise, Single - Central Park • 2017 HHHBA BEST Product Design, Low Rise, Town - Central Park 2017 HHHBA BEST Project Logo - Central Park • 2017 HHHBA BEST On-Site Sales and Marketing Package - Central Park 2017 HHHBA BEST Sales Office - Central Park • 2017 HHHBA BEST Exterior - The Corsica - Central Park

Thank you to all of our employees, consultants, suppliers and each of the Losani homebuyers who have helped us accomplish these memorable achievements in 2017.

LosaniHomes.com

TRENDING

HOMEBUYING ONLINE NEW SOFTWARE PUTS HOME SHOPPING EXPERIENCE RIGHT IN BUYERS’ HANDS

by MARLENE EISNER Shopping online for clothing, shoes, jewellery and even a luxury vacation is, for most people, as simple as a click of the mouse.

But buying a house? Could such a large, serious purchase be done via the internet? The creators of a point-of-sales (POS) software application for the real estate industry say yes, it’s not only possible, it’s already being done.

“In 2012, we created point-ofsale devices (Sales POS), putting it all into an iPad app so you can sell to anyone, anywhere,” says Rick Haws, president and co-founder of SaleFish with Rob Nicolucci.

“The reality is that everything is going online. Purchasing a home online is a bit extreme, but it’s possible now.”

The original idea behind the Sales POS was to create a better customer experience at the sales centre between the sales people and potential buyers. Sales staff were equipped with iPads loaded with all the information on a new build with the ability to generate sales documents, scan a potential purchaser’s driver’s license and receive real-time sales and reporting. This kind of thinking was attractive to Joseph Alberga, director of sales and marketing at Lindvest.

“Our use of the software is mainly related to the sales office experience and our administrative control and processing,” says Alberga. “In terms of engaging with the purchaser, it was the most interactive way of dealing with them. You want it to be the 76 NextHome.ca | SWO

SaleFish co-founders Rick Haws and Rob Nicolucci.

best possible experience. We successfully integrated SaleFish with a 3-D interactive software that allowed prospective purchasers to view their model and then once sold, the actual site plan would be updated in real time.”

In 2016, SaleFish expanded the Sales POS potential with Home Buyer Live POS, a website that is a responsive design so it can be accessed on a phone, tablet or computer and a purchase can be made, regardless of the device.

“In several cases, it has been used to sell the last bunch or handful of units in a site,” explains Haws. “In other cases, it has been used to sell the first limited release of a new phase to purchasers who didn’t get to buy in a previous phase. In either case, it does eliminate lineups. It also

allows the purchaser to simply show up at a time they choose to sign their documents.”

The cost of SaleFish software per site for a developer is between $15,000 and $20,000 for lowrise, and between $10,000 and $15,000 for a highrise project – an expense Roy Hobbs, principal at Crescendo Real Estate Solutions, thought worthwhile based on his success rate using the Home Buyer Live POS. “Home Buyer Live provides customers will all the information to buy a home,” says Hobbs. “It helps facilitate the transaction between the buyer and the seller and allows the transaction to occur off-site in the comfort of the home. I had someone who lives in Toronto buy a home while he was on a trip in Montana.”

NOW SELLING plant your ROOTS. create TIMELESS moments.

CRAFT your dream life.

LIMITED TIME OFFE R!*

9’ Ceiling & $5,000 Ap pliance Package

40’ singles from the low $500s The beautifully crafted homes at Timberwood Estates are located in a welcoming neighbourhood and are designed with family living in mind. It’s a community made for timeless moments.

Welcome to Timberwood Estates in Thorold.

SALES OFFICE LOCATED AT: 130 Hwy 20 Unit C-1, Fonthill

Rice Rd. / 54

*Offer available for 40' product only. Not valid with any other promotion. Restrictions apply, visit sales office for details. Offer & Specification subject to change without notice. E.&.O.E.

Pelham St.

HWY 20

www.timberwoodestates.ca

HWY 406

FONTHILL

289.897.8548

HOT PROPERTIES

FIND YOUR NEXT HOME The latest properties in Southwestern Ontario to keep your eye on

9. LIFE

SWO PREVIEW REGISTRATION 1. 140 CALEDONIA By: The Tricar Group City: Stratford Housing type: Four-storey boutique style condominiums tricar.com

2. AQUAZUL By: Homes by DeSantis City: Grimsby Housing type: Condominium suites aquazulcondo.ca

3. AVALON

MYST URBAN TOWNS

By: Empire Communities City: Caledonia Housing type: Townhomes and detached homes empireavalon.com

4. BRANT WEST

10. ON THE RIDGE By: Rosehaven Homes & Homes by DeSantis Location: Stoney Creek Housing type: Freehold townhomes liveontheridge.ca

11. ONE TWENTY CONDOMINIUMS By: Mountainview Homes City: Fonthill Housing type: Condominiums mountainview.com

12. PASSAGES ON THE CANAL By: Bayview-Wellington Homes City: Welland Housing type: Luxury freehold townhomes on the Canal mypassages.ca

By: Losani Homes City: Brantford Housing type: Towns and singles brantwest.com

13. SAPPHIRE

5. CLAIR MEADOWS

14. STEPPING STONES

By: Gatto Homes City: Guelph Housing type: Towns and singles gattohomesinc.com

6. FOCUS TOWNS

By: New Horizon City: Stoney Creek Housing type: Waterfront condominiums sapphirecondos.ca

By: Phelps Homes City: Smithville Housing type: Two-storey townhomes phelpshomes.com

15. SUMMERLEA WOODS

By: New Horizon City: Brantford Housing type: Townhomes focustowns.ca

By: Empire Communities City: Binbrook Housing type: Townhomes and detached homes summerleawoods.com

7. FOOTHILLS OF WINONA

16. TELEVISION CITY

By: DiCenzo Homes City: Winona Housing type: Townhomes, semis and singles dicenzohomes.ca

By: Lamb Development Corporation City: Hamilton Housing type: Condominium suites televisioncity.ca

8. GRANGE HILL POINT By: Reid’s Heritage Homes City: Guelph Housing type: 1- and 2-bedroom condos reidsheritagehomes.com 78 NextHome.ca | SWO

By: Branthaven Homes City: Winona Housing type: Luxury townhomes branthaven.com

17. THE GATSBY By: New Horizon City: Hamilton Housing type: Condominium suites gatsbycondos.ca

18. THE MCKENZIE

26. WILDFLOWERS

By: Losani Homes City: Caledonia Housing type: Towns and singles mckenziecaledonia.ca

By: Mattamy Homes City: Kitchener Housing type: Townhomes and 30and 36-ft. detached homes. mattamyhomes.com

19. THE PENINSULA By: Losani Homes City: Paris Housing type: Towns, semis and singles parispeninsula.com

20. TREND LIVING By: New Horizon City: Waterdown Housing type: Modern condo suites trendliving.ca

21. TIFFANY HILL By: Rosehaven Homes & Chiaravalle Developments Location: Ancaster Housing type: Freehold towns, semis and detached homes tiffanyhill.ca

23. VISTA CONDOS By: VanKleef Development Group City: Hamilton Housing type: Condominium suites vistaoncharlton.ca

24. VISTA RIDGE By: Losani Homes City: Beamsville Housing type: Towns and singles myvistaridge.ca

25. EXPLORE By: Ballantry Homes & Branthaven Homes City: Hamilton Housing type: Townhomes exploretowns.com

Locate properties using the map on the following page

27. MYST URBAN TOWNS

BY THE LAKE By: Homes by DeSantis City: Stoney Creek Housing type: Urban townhomes mysttowns.com

NEW OPENINGS 28. LINCOLN ESTATES By: Losani Homes City: Lincoln Housing type: Single-detached homes losanihomes.com

22. VICTORIA ON THE RIVER By: Stonecrest Homes City: London Housing type: Single-family homes stonecresthomes.ca

MAPS

29. AFFINITY CONDOMINIUMS By: Rosehaven Homes Location: Aldershot, Burlington Housing type: Condominium suites affinitycondo.com

By: Reid’s Heritage Homes City: Guelph Housing type: One- and two-bedroom condominiums reidsheritagehomes.com

33. ELEMENTS By: Mountainview Homes City: St. Catharines Housing type: Luxury one- and two-bedroom luxury condos elementscondo.com

34. FOX FIELD By: Fusion Homes City: London Housing type: Single-family homes from $482,900 fusionhomes.com

35. HAVELOCK CORNERS

30. BALDWIN PLACE By: Tillsonburg Developments City: Tillsonburg Housing type: Detached freehold bungalows baldwinplace.ca

31. CASTLE ROCK PLACE By: Rembrandt Homes City: London Housing type: Condo townhomes rembrandt-homes.ca

By: Senator Homes City: Woodstock Housing type: New release of 42and 50-ft. singles senatorhomes.com

36. STATIONWEST By: Adi Developments Location: Burlington Housing type: Three-storey townhomes adidevelopments.com

37. THE ENCLAVES OF UPPER CANADA

32. CLAIRITY

By: Menkes City: Georgetown Housing type: New release of sngle-detached homes on 40-ft. lots menkes.ca

38. THE PRESERVE By: Mattamy Homes City: Oakville Housing type: Townhomes mattamyhomes.com

39. THE WEST

EXPLORE

+

By: Adi Developments Location: Burlington Housing type: Luxury boutique condos adidevelopments.com

BUILDERS IF YOU WOULD LIKE TO INCLUDE YOUR PREVIEW REGISTRATION, NEW RELEASE OR SITE OPENING IN THIS FEATURE, JUST EMAIL THE DETAILS TO WAYNE.KARL@NEXTHOME.CA

JAN 6 - 20, 2018 79

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THE LAST WORD

Q+A WITH GRAHAM HAINES, RESEARCH AND POLICY MANAGER WITH THE CITY BUILDING INSTITUTE (CBI) AT RYERSON UNIVERSITY

by MARLENE EISNER

of policy making from a variety of perspectives.

When the opportunity to join CBI arose, I couldn’t say no. It was a chance to combine my loves of policy research and progressive city building. As CBI’s research manager, I have been fortunate to help lead research and analysis on a wide range of projects and work with talented graduate students from Ryerson’s Urban Planning program.

NH: We’ve been hearing a lot in the news lately

about CBI’s reports. What do you think has brought the spotlight on CBI? GH: We are fortunate to work in an area that the public has a lot of interest in. The issues we work on – housing, quality public spaces and transportation – are important to every GTA resident. Beyond that, we work very hard to carry out credible research that contributes to the conversations of the day. We also have an incredibly accomplished board that helps ensure our work is high quality and relevant.

NH: One recent report CBI authored with Urbanation is called Bedrooms in the Sky: Is Toronto Building the Right Condo Supply. How did this report come about?

NextHome: How did you become involved with

Ryerson City Building Institute (CBI) and what exactly is your role?

Graham Haines: I just celebrated my one-year

anniversary at CBI, so answering this question feels like a bit of a reflection on the past year. Joining CBI was a bit of a natural progression. Despite my undergraduate degree in engineering, for most of my career I have worked in policy research. My previous roles in the not-for profit sector, public sector and consulting sector have given me a taste

84 NextHome.ca

GH: CBI has been particularly interested in how we can build the right type of housing supply with end-users in mind. Looking at condos is especially important because they are our primary method of delivering new homes, and as Toronto grows up, we will rely more and more on condos to provide spaces for families.

With this report, we wanted to see if we were providing enough new family-friendly housing options via condos. Fortunately, Urbanation tracks every single GTA condo development. After talking with them, we saw a huge opportunity to look at how the supply of condos has changed over time and whether it’s addressing the needs of our changing demographics.

NH: What are the major points revealed in the report?

GH: Our main finding was that we aren’t building enough two- and three-bedroom condo units. This wasn’t always the case – during the 1990s, more than 60 per cent of condo apartments built had two or more bedrooms.

Furthermore, the condos we are building are increasingly ending up in the hands of investors rather than end-users. More than 50 per cent of condos built ultimately get rented out, rather than occupied by the purchaser. Recent Canada Mortgage and Housing Corp.

(CMHC) data also suggests that the share of condos sold to investors is climbing.

With Millennials starting to have families, it is imperative that we start building new familysized units and get them into the hands of end-users. Homebuyers have gotten used to the idea of “driving to qualify” for a singledetached home. But if trends continue, we will soon have to drive to qualify for anything with more than a one bedroom.

NH: How do Millennials fare when it comes to being able to own a home in Toronto?

GH: Not so well. Toronto is

growing increasingly unaffordable for the average Torontonian – let alone Millennials who are starting their careers. Both rent and home prices have climbed faster than median incomes, and housing is more expensive than ever before.

As a result, it now takes longer to save for a down payment and simply saving enough money is increasingly difficult since rent takes up a larger share of income.

NH: The federal government just released its $40-billion, 10-year National Housing Strategy. What elements of the strategy will help Millennials become homeowners sooner, rather than later?

GH: There’s nothing special in the strategy that will help Millennials become homeowners and sooner.

Worthwhile analyses of the plan have been made by smart people, such as [University of Toronto professor] David Hulchanski and [University of Waterloo associate professor] Brian Doucet. While the plan isn’t perfect, it does offer

“

Our main finding was that we aren’t building enough two- and threebedroom condo units. This wasn’t always the case

”

funding to help ensure some of the most vulnerable populations have an easier time finding housing, and we all have better access to housing in general.

NH: Any words of advice to city planners, developers and the government on behalf of future homeowners?

GH: We need policies in place to help ensure we are delivering the type of homes our demographics need. This means shifting away from small one-bedroom condos towards more family-sized units.

It means re-committing ourselves to building purpose-built rental apartments that provide residents

with stable long-term tenancy.

These changes would help ensure the market works for end-users. Accomplishing this is likely to require policy changes that reduce the investment potential attached to housing and rededicate housing as homes. We also need policies that make it easier to add gentle density across our city, with a focus on areas close to transit. The City of Toronto has started to do this by actively re-zoning some avenues, but more work is needed. We should also examine how we can add density to existing residential neighbourhoods through more walk-up apartments, duplexes, rowhouses and rooming houses.

NH: What other reports or initiatives can we look forward to from CBI in 2018?

GH: We have a few research reports in the works, including one that examines our options to build missing-middle housing in the GTA’s existing urban areas. With the significant transit investments happening across the GTA, there are several opportunities to add gentle density to current neighbourhoods.

Thanks to the Metcalf Foundation, we’ve also spent time exploring ways to make Toronto’s streets even better.

This work will build on a MeetUp we hosted in February 2017 that examined the future of downtown Yonge Street. As the Bloor Bike Lanes and King Street Pilot have shown, Toronto has a huge opportunity to rethink and improve our streets for the people who use them.

JAN 6 - 20, 2018 85

INDEX OF ADVERTISERS

Andrin Homes - Corporate

41

Great Gulf - Corporate

4

Bayview Wellington Homes - Alcona Shores

63

Great Gulf - Trafalgar Landing

5

Bayview Wellington Homes - Passages

74 & 75

Homes By Desantis - Myst

13

Branthaven Homes - Explore

70

Losani Homes - Lincoln Estates

Branthaven Homes - Life

71

Madison Group - Cornell Rouge

23

Madison Group - Frenchman’s Bay

29

Concord Adex - Canada House Condos

8&9

Concord Adex - Model Suite Promo

83

Malibu Investments Inc. - Express Condos

Concord Adex - Saisons

19

Menkes Developments Inc. - Corporate

Cresford Development Corp. - Corporate

Cresford Development Corp. - YSL

Dunpar Homes - Trafalgar

ELAD Canada - Lumina

Forest Hill Homes - Cornell Rouge

86  NextHome.ca

IFC

1

45

3

23

Mountainview Homes - Lyons Creek

Pemberton Group - Corporate

Plaza - Musee

Treasure Hill Homes - Trendi Towns in Markham

2 & 73

6

Insert

77

Insert

7

15

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