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Nov 17 - Dec 1, 2012 Volume 16 Issue 21

C e l e b r at i n g 4 0 y e a r s 1 9 7 3 - 2 0 1 3

inside this issue

INSURANCE TIPS FOR NEW HOMEOWNERS

HOW TO MIX AND MATCH FABRICS IN YOUR SPACE

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CONDOMINIUMS

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2012-10-25 2:34 PM 11/12/12 5:14:35 PM


EDITOR’S NOTE

BUYING A HOME WITH CONFIDENCE

makes a world of difference

SUSAN LEGGE

EDITOR-IN-CHIEF

Wall2Wall Media Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on facebook search: Condo Guide

When you tell people you’re shopping for a home, you’ll find most everyone will want to share their own homebuying experience with you. Some will offer you their own personal advice and suggestions, while others will frighten you with details about their own disastrous home-buying experience or that of a friend of a friend. With so many variables, it can be hard to figure out what’s necessarily good advice. It’s always best to get advice from the experts, especially when it comes to purchasing a big-ticket item like a home. No matter what your Uncle Joe says, when you’re equipped with the right expert advice for your situation,

you can move forward by making confident purchasing decisions that are right for you and your family. Much of what you’ll want to know about the road to home ownership is right here in this magazine. If you don’t find what you’re looking for, write to us and we’ll help get you get an answer from one of our experts. Take us along for the ride and let us know how it turns out. Thanks to our website, homeTRADER.ca, you now have even more articles and features than ever to source so you can be sure your buying experience is a positive one.

DO YOUR RESEARCH when choosing a condo

JANINE DRUERY

EDITOR

Wall2Wall Media Janine.Druery@wall2wallmedia.com Follow me on Twitter at Twitter.com/JanineDruery

Choosing a condo can be as personal as choosing a mate. Yet, while you’d never sit down to interview a potential partner or engage in background checks (would you?), you will need to do your homework when selecting a builder. I recently came across some tips from the Canada Mortgage and Housing Corp. (CMHC) on how to find and select a new condo builder: ›› When you start your search, check the Homes section of your local paper to find out which companies are building in your area, the types of homes they offer and the prices you can expect to pay. (I also think New Condo Guide is a good bet!) ›› When you visit a builder, ask how long they have been in business, how many homes or condos they build each year and what kind of experience they have. ›› Make sure the builder belongs to an industry organization and has the

licences and registrations required for your province. ›› Once you have narrowed down your list, visit the builders’ models. Go through each one, carefully noting your likes and dislikes. ›› Read through each builder’s website and other information materials to get a clearer picture of the company. ›› If you’re considering buying in a new development, go on a tour of the community or take a close look at the master plans. Could you see yourself living there long-term? The bottom line: make sure your decision is an “informed” one. Choosing the wrong builder, much like selecting the wrong mate, could leave you dejected and feeling like you’ve been “played.” Good luck out there!

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FALL IN LOVE WITH P E M B E R T O N ’ S VIVID CONDOMINIUMS

The final building in Pemberton’s established Port Royal Place community, Vivid is situated steps to the Islington TTC subway station and Kipling GO station. Residents will enjoy proximity to schools, shops, and recreation facilities in the vicinity. Islington Village, the Waterfront Trail, Bloor West Village, The Kingsway and Sherway Gardens are also near by. The community has its own landscaped park, gazebo, playground and splash pad. Vivid itself features 24-hour concierge service, a completed indoor swimming pool, men’s and women’s change rooms, fitness centre,

cards and billiards rooms, and a lounge with a fireplace, bar, servery and catering kitchen. Each spacious, wellappointed suite includes a generous balcony, terrace or patio. To fully appreciate Pemberton’s quality and design panache, view Vivid’s virtual suite tour online. Available one-bedroom to two-bedroom + den designs range from 580 to 1,120 sq. ft., affordably priced from the $260’s. Ask a sales representative for full details on Pemberton’s One-Price Plan. Pemberton Group has more than 50 years experience building superb communities in many of the Greater Toronto Area’s most desirable neighbourhoods. The Vivid Presentation Centre and model are at 9 Michael Power Place, south off Dundas West, between Islington and Kipling. Call 416.239.8200, or visit vividcondos.com. To explore the company’s many fine communities, visit PembertonGroup.com, plus follow Pemberton on Facebook and Twitter.

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table of contents

November 17 to December 1, 2012 volume 16 issue 21

20

ALTERRA Celebrating 40 years

columns, news & features 68 002 Editor’s note

048 Money matters How to be debt-free – forever

076 Quick Tips Replace holiday stress with holiday joy

060 taxing issues Should you pool financial resources to buy a home?

130 home smarts Are you ready to own your own home?

064 Condo pro The security of condominium living

132 scrumpdillyicious Heartwarming Spinach and Ricotta Manicotti

032 fundamentally speaking Four tips to help you buy your first home

068 style file How to mix and match patterns – tastefully

146 Make Your Move Should you hire a professional packer or DIY?

042 Mortgage Finesse What the new mortgage rules mean for you

072 legally speaking Get your house in order before purchasing

Columnists

016 bild report Economic indicators for the industry are still solid by BRYAN TUCKEY

018 condo sense GTA condos generating solid employment by ben myers

by wayne karl

by Calum Ross

012-013 GTA condo contents-nov 17-JD.indd 12

by gail vaz-oxlade

by henry choo chong

by barbara lawlor

by yanic simard

by Hellen Buttigieg

by marnie bennett

by Leslie styles

by Dan Hopkins

by jayson schwarz

11/13/12 8:05:46 PM


in tHe neWs

044 markEt analysis Lack of new launches prompts decline in new condo sales 052 housing markEt Canada to avoid a U.S.-style housing market meltdown

046

058 nEWs Pemberton Group supports “Because I am a Girl” 074 EvEnts Party kicks off sales launch of King Blue conDo snaPsHots

026 thE mark A new level of condo living in Markham 050 firsthomE long vallEy phasE tWo Excellent selection of fully-built condominiums 122 b.strEEts Six, exclusive, two-storey Lane Homes just launched

142

040

featuRes

033 around thE housE Conquer clutter: eight tips from an organizing guru by lAURA wiTTmANN

054 your condo Your new condo: creating beauty and balance

conDo ProfIles

by miREllA sARRApoChiEllo

084 industry insidEr 10 minutes with... Babak Eslahjou of CORE Architects by jANiNE dRUERy

040

tridEl

110

086 your dÉcor Keep calm and colour on

088 financEs “Home Sweet Home” or “Retirement Nest Egg”?

128 insurancE nEEds Whole life insurance pays off for new homeowners

092 hot topic Home insurance: how to safeguard your investment

096 your monEy Protect yourself against “wallet gremlins”

134 dEsign picks Chevron chic

112 tEch talk Navigating the world of home theatre systems

098 condo Watch 416 Previews, new releases and grand openings in the 416 area

136 condo Watch 905 Previews, new releases and grand openings in the 905 area

124 dEsignEr touch Entertaining, holiday-style

108 dÉcor tips Have a cheerful Christmas in Condoland

148 smart shoppEr Exclusive discounts and deals for our readers

116 tips and tricks Housing affordability and the one-third rule

153 condo buyErs’ rEsourcE sEction You love the home, see what you can afford

by hilARy FARR

by sAxE bRiCKENdEN

by ERiCA gElmAN

HomebuYeRs’ HelP

080 trEndspotting Bring home the gold! by ElisA KRovbliT

082 your first homE Using your RRSP to help make a down payment

012-013 GTA condo contents-nov 17-JD.indd 13

118 What’s nEW The latest and greatest products for your home by silvANA loNgo

by silvANA loNgo

158 indEx of advErtisErs

Ten york A new, iconic glass tower will grace the Toronto skyline

046

45 charlEs ltd. & EdEnshaW homEs

Chaz.yorkville Dazzling residence will soon be home to eight new floors

110

daviEs smith dEvElopmEnts

Eleven superior The first condo project to break ground in Mimico-by-the-Lake

142

flato dEvElopmEnts

Arthouse Art and design unite at new development in Markham

11/13/12 8:06:00 PM


new condo guide

contributors

Vice-President, Wall2Wall Media

Jacqueline Hill Sales Manager

Conni Robinson Associate Publisher, SWO New Homes & Lifestyle Communities

Susan Maxwell Editor-in-Chief, National Real Estate

Susan Legge Art Director

Sarah Jang Editor

Janine Druery Lydia McNutt (on leave) Contributing Editors

BILD Report

Legally Speaking

style file

Bryan Tuckey

Jayson Schwarz

Yanic Simard

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).

Jayson Schwarz LL.M is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit the website at schwarzlaw.ca or email info@schwarzlaw.ca.

Yanic Simard is New Condo Guide’s design editor and the principal designer of the Toronto Interior Design Group, specializing in residential and commercial projects. Simard has created designs for clients in Toronto, Montreal and Miami, and appears as a regular guest expert on Citytv’s CityLine. Visit tidg.ca

Wayne Karl, Elisa Krovblit, Silvana Longo, Sara Duck (on leave) Design Editor

Yanic Simard Senior Account Executive

Dionne Fraser

dionne.fraser@wall2wallmedia.com

Senior Account Executive

Nina Downs

nina.downs@wall2wallmedia.com

Sales & Marketing Co-Ordinator

Terry Bassett Administrative Assistant

Antoinette Jackson Production Manager

Bala Gnanapandithan Production Co-Ordinator

Sandra Hanak-Vujnovic Graphic Designers

Caroline Wassef, Sandra Hanak-Vujnovic National Account Manager, Mediative

Paul Slizys on the move

CONDO SENSE

Ben Myers

Barbara Lawlor

Dan Hopkins is chief operating officer at Two Men and a Truck Canada. For more information visit twomenandatruck.ca

Ben Myers is editor and executive vice-president of Urbanation, a market research firm tracking the new, resale and future condo market since 1981. Urbanation’s Condominium Market Survey is the industry’s bible for sales and pricing information, as well as analysis that puts all the pieces together. Urbanation is on the pulse of the highrise condo market in Toronto.

Barbara Lawlor is president 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 condominium developments in the GTA and overseas.

Dan Hopkins

Condo pro

Published By

Wall2wall Media is a Trademark Of Yellow Pages Group Co. In Canada.

#500-401 The West Mall Etobicoke, On M9c 5j5 T 416.626.4200 F 416.784.5867

Call 416.626.4200 for ­advertising rates and information. Free distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices. Copyright 2012 All rights reserved by wall2wall media. Reproduction in any form is prohibited. Contents of this publication are covered by copyright and offenders will be prosecuted under the law. Terms Advertisers, editorial content and new condo guide are not responsible for typographical errors, mistakes or ­misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. Editorial submissions from interested parties will be considered. Email to susan.legge@wall2wallmedia.Com. The views and data expressed by columnists do not necessarily represent those of the publication. Advertising

Circulation

Home Smarts

Taxing Issues

quick tips

Marnie Bennett is a broker and the team leader of Bennett Property Shop Realty, a full premium-service five-star real estate brokerage specializing in marketing and selling new and resale homes, condos and investment real estate. Marnie is the host of the weekly radio shows, The Real Estate Hour and Business Class. bennettpros.com

Henry Choo Chong is a certified general accountant. Henry sits on many committees and provides accounting and tax advice to individuals and businesses in the GTA. Email your tax questions to Taxing Issues at choochonghcga@yahoo.ca

Hellen Buttigieg, CPO, is a certified professional organizer, life coach, TV host and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-Book on how to find more time, energy and inner peace. Contact Hellen at 905.829.2219 or info@WeOrganizeU.com

Marnie Bennett

Henry Choo Chong

Hellen Buttigieg

Hometrader and the Hometrader & Design are trademarks of Apax Partners Llp, Used Under License. Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

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bild report

// By bryan tuckey

Economic indicators

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).

E

very year around this time, industry leaders gather to learn from two leading economic experts about what’s happening around the globe and how it could impact the GTA housing market in 2013. We heard from CIBC World Markets Deputy Chief Economist Benjamin Tal that he’s keeping an eye on Europe, China and the US. What happens out there, will affect what happens at home, he told the group of about 350 BILD members. While the US housing market is not a normal-functioning housing market, it is showing some positive signs of buyer traffic, he told us. Most of the traffic has been generated by investors because there is a strong demand for rental homes. Interestingly, more than 300,000 renovation jobs were logged getting those homes ready to rent out so far this year.

for industry still solid

Buyers here at home are watching the interest rates and Tal said they could go up next year or early 2014, but it won’t be a shock to the system. He anticipates the industry will use discipline and self-regulate, taking the next year to find a new equilibrium. In the latest new home sales figures, released earlier this week, the changes to lending rules by the federal government in the summer have diminished consumer confidence in the GTA. Anticipating the changes, the industry launched fewer projects over the summer and therefore, September new home sales are lower than they have been in years past. The good news is that so far this year, from January to September, a total of 26,392 new homes have been sold across the GTA. Looking at the housing cycle, Altus Group Chief Economist Peter Norman forecast that we are on track to start construction on more than 45,000 homes across the GTA this year – which is on par with the peak year of 1987. The homes under construction now across the GTA were previously sold, some a few years ago when the projects first launched, and the sales that we are seeing today will materialize into newly-constructed homes in the coming years. Norman anticipates 38,600 homes to be under construction next year and 36,400 in 2014. This industry has stood the test of time and I think it was fitting that on the same day we discussed our future, we took a moment to celebrate our past. This year, our association recognized members that have reached their 25-year and 50-year milestone as important contributors to fabric of the GTA. Congratulations to the 15 member companies we inducted into the BILD Quarter Century Club and special congratulations to the three member companies we inducted into our Half-Century Club – Tridel Corp., The Rockport Group and Teskey Concrete Company Ltd.

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GREAT LIVING HAS REACHED NEW HEIGHTS

Exclusive Listing: Baker Real Estate Incorporated, Brokerage. Brokers Protected. Sizes and specifications subject to change without notice. E + O.E. Illustration is artist’s impression.

NOV 17 - DEC 1, 2012 NEW CONDO GUIDE 017

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condo sense

GTA condos

Ben Myers is the editor and executive vice-president of Urbanation, a market research firm that has been tracking the new, resale and future condominium market since 1981. Urbanation’s new UrbanRental report on condominium apartment rental activity adds a new dynamic to their expanding range of research products and consulting services. Urbanation is on the pulse of the highrise condominium market in Toronto.

I

recently did a radio interview on the closing of the Christie’s Bakery in Etobicoke, and I wanted to elaborate on the subject in this space. My heart goes out to the 550 people that will lose their job with the closure of the facility, as many of us

The number of “part time” jobs will far outweigh the full losses. With 27 towers and up to 7,000 units potentially scheduled for the site, this development will take more than a decade to complete.

// by Ben Myers

Generate Solid Employement know how it feels to be unemployed. However, I am excited to see the continuance of the waterfront revitalization in Etobicoke. I hope the developer on the project strives for architectural excellence and brings forward innovative concepts like the Absolute Towers in Mississauga, and projects like Monde, L Tower, Mirvish+Gehry and Picasso in Toronto. That being said, I didn’t get to respond in full to the question asked by the radio host, “Aren’t the jobs created by the construction of these towers only temporary?” I think the number of “part time” jobs will far outweigh the full losses. With 27 towers and up to 7,000 units potentially scheduled for the site, this development will take more than a decade to complete. By comparison, there are currently 21 completed condominiums on the Etobicoke waterfront, accounting for over 4,400 units, as well as 12 actively selling projects accounting for over 4,600 units – combined the 45 year condominium total for the Etobicoke waterfront is only slightly larger than this single development. In other words, this project will create a lot of temporary jobs. Let’s start with architects, planners, engineers, construction workers, suppliers, construction lenders, advertisers, sales brokers, building inspectors and landscapers. These are just a few of the people involved in the process – all before a single person moves into the condo. Just before the big move-in date, many others are employed: real estate lawyers, mortgage lenders, mortgage insurers, content insurers, and a ton of staff for the developer that coordinates contracts and handles the distribution of keys during occupancy week. Don’t forget the good folks at Tarion home warranty program for helping people stay worry-free. With 7,000 suites, how many moving crews would that be? How many moving vans? How many jobs will be created for interior decorators, residential painters, cable/internet installers? How many people will these towers employee in the furniture business, area rug business, and electronics business? I’m guessing the IKEA off the Queensway will be hiring! The buildings will also create jobs for concierge staff, property managers, security staff, window washers, snow removal companies and custodial workers. How about the contractors for elevator maintenance, security cameras, garbage shoots and other mechanical issues? In all likelihood, the project will be mixed use, and will create full-time retail, commercial and service jobs for the shops, restaurants, bars, grocery stores, office spaces and cultural amenities in the lower floors and podiums of these buildings. Based on data from Urbanation’s Condominium Market Survey, many buildings have 50 per cent turnover in the first five years after occupancy, so that will keep a lot of Realtors working. So, the next time you’re suffering from “condophobia” and take aim at “greedy” developers, think about all of the people in this area that make a living off the new construction industry; it’s a good cure for any condo fears.

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THE REBIRTH of a LEGEND THE ICONIC SUTTON PLACE HOTEL RE-ENVISIONED AS THE BRITT CONDOMINIUM RESIDENCES. The historic Sutton Place Hotel at Bay and Wellesley, just steps to the Bloor-Yorkville neighbourhood, will be injected with new life, British inspired architecture, design and amenities. From the grand entrance lobby to the magnificent terrace to luxury five-star services, this is where classy meets classic and historic meets epic. • 24-hour executive concierge • executive butler Service • spa & wellness services

• executive home maintenance service • 3 elegant lobby lounges

CONDOMINIUMS FROM THE $300’S REGISTER AT THEBRITTCONDOS.COM 416.926.1669

Exclusive Listing Broker Milborne Real Estate Inc. Brokers Protected. Marketing Management by Anne Lambrou Living Visions Inc. Prices and specifications subject to change without notice. Illustrations are artist’s concept. E.&O.E.

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cover story

Alterra

Celebrating 40 Years highhomes priced at $50,000 in the 70’s to building homes quality homes started as a dream in the millions of dollars today, Alterra continues to almost 40 years ago for one of thrive in the marketplace. Ontario’s most reputable In today’s market, most developers are developers. From single-family challenged with competition and greater consumer residential homes to highrise, to demands. Alterra continues to ensure it understands commercial developments, the the needs of potential homeowners in order to exceed Alterra Group of Companies their expectations. continues to add to its current With well-known communities from Ancaster to portfolio of over 5,000 homes. Mississauga to Downtown Toronto on its resume, In 1973, Alterra launched its Alterra is currently building three well-known mid first development project called and high-rise projects in the GTA, with more to come. Ridgewood Green in Malton, Westwood Condominiums, just two blocks west Ontario. This successful new home of Islington off Bloor Street and minutes to the community housed over 40 subway station, is a six-storey building that is a perfect residential homes that are still part mix to the established residential community in the of Malton’s neighbourhood today. west Kingsway. From this modest-sized community, Post House Condominiums, a 21-storey highrise Alterra continued to grow in both development just east of Adelaide and Jarvis in the projects and in staff. From building heart of downtown Toronto, is in the perfect location Building and delivering

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On opposite page pictured top

Westwood terrace On this page pictured top

Post House party room pictured centre

36Hazelton, townhome terrace pictured bottom

36Hazelton, townhome living room

for both homeowners and investors. With a short walk to the subway, a stroll over to the St. Lawrence Market and steps away from George Brown College, this sought-after residence will start to occupy suites in 2014. 36Hazelton, a boutique luxury condominium on Yorkville’s only true residential street, consists of 19 one-of-a-kind homes with only three remaining from $2.9 million. With the heritage façade fully supported, Alterra announced their groundbreaking this month with yet another 2014 occupancy. The highly anticipated and most recent announced condominium project by Alterra is at 520 Richmond Street in Toronto. With the plans for the project well underway, this project is expected to launch this coming year. In 2013, Alterra will be celebrating a special milestone – 40 years of building excellence and delivering superior quality homes that people can truly rely on and call their own. With 40 years of business behind their back and plans for many more years to come, Alterra continues to grow and build their portfolio as they announce future development projects. For more information about the Alterra Group of companies or to register for upcoming projects, visit alterra.com. 021

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Life is remarkable in one of the fastest growing cities in Ontario. A charming community, where neighbours still say hello. Where parks, shopping, restaurants and golf courses are all nearby. Where you can relax in a brand new space with all the amenities and conveniences of a remarkable life. Remarkable residences. Across from Mount Joy Go Station. Starting from $199,990.

Register today themarkcondos.ca

Exclusive listing brokerage: TFN Realty Inc. Brokers protected. Prices, sizes and specifications subject to change without notice. E. & O.E. Illustration is artist’s impression. Creative: la-ads.com

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LARGE coRNER sUITEs fRoM $399,990* Introducing a fantastic collection of large corner suites at Rain, Oakville’s most successful master-planned condominium community. Wraparound balconies, spectacular views, spacious interiors and unrivaled resort inspired amenities make Rain the most coveted address at the heart of the exciting Kerr/Speers revival. Walk through our designer Model Suite and let Rain shower you with inspiration!

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CORNWALL RD.

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condo snapshot

Empire and Pace

bring a new level of condo living to Markham There’s a new opportunity to live a remarkable life in one of the most vibrant and welcoming communities in Ontario. Welcome to The Mark. The Mark Condominiums is conveniently located at 9560 Markham Road, near Bur Oak Avenue and across the street from The Mount Joy GO Station, providing residents a convenient, hassle-free commute to downtown Toronto via Union Station in less than 45 minutes. The striking structure combines the best of contemporary form and art deco-inspired elements to create an exceptional18 storey, 220 suite highrise. It’s a design that looks right at home in the charming Markham community. Prices start at just $199,990.

Remarkable location

Situated in the established, yet growing city of Markham, this vibrant community is surrounded by all the conveniences of city living. An abundance of parklands, ponds, walking trails, sports fields and community centres offer numerous options to appeal to all ages and interests. Other great neighbourhood features include reputable public schools, excellent restaurants, the renowned Angus Glen Golf Club, premier shopping at Markville Mall, and the award-winning Markham Stouffville Hospital, a state-of-the-art facility and one of the top performing hospitals in Canada. Markham may be one of the fastest growing cities in the province, but it still has the charm of a small town comprised of many art galleries, museums, theatres and public libraries. This diverse municipality will also play host to part of the 2015 Pan Am and Parapan Am Games in a new world-class sports complex called the Markham Pan Am and Parapan Am Centre. Remarkable architecture and design

Developed in collaboration, Empire Communities and Pace Developments Inc., have joined together with award-winning Kohn Partnership Architects Inc., and created this remarkable art deco-inspired condominium. Residents will come home to a

welcoming lobby with waterfall, work out in a professionally equipped exercise room with weight-training and cardio equipment, and entertain their guests in a party room complete with kitchen, private dining space, wet bar and fireplace. Outdoor living is extended on a landscaped terrace with barbecues, dining areas, and a fire feature surrounded by lounge seating. To relax your mind and soul, there is also a tranquil Tai-Chi serenity space. After an active stroll in the park, pets can be pampered in the indoor pet spa while two guest suites will offer convenient accommodations to visiting friends and family. Interior spaces are the backdrop of a remarkable life

Suites will range from approximately 490 to 858 sq. ft., and will include a mix of onebedroom, one-bedroom plus den, twobedrooms and two-bedrooms plus den layouts. All suites include a balcony to extend their living space while interior features boast nine-ft. ceilings, polished granite kitchen countertops, glass tile backsplash and a stainless steel kitchen appliance package, as well as a stacked white washer and dryer. Luxurious bathrooms will have granite vanity countertops, and glass enclosed showers. Environmentally-conscious owners will also benefit from the LEED Silver registration. Registrations are now underway for the preview launch of this exciting new remarkable condominium in Markham. Register now at themarkcondos.ca.

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�a �o�ce vita

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TREVISOCONDOS.COM 416 787 8882 Exclusive Broker Milborne Real Estate Inc. Brokers Protected. Promotions may be changed and/or cancelled at any time without notice. Prices and specifications are subject to change without notice. Illustration is artist concept. E. & O.E.

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028

EXCLUSIVE LISTING BROKERAGE BAKER REAL ESTATE INCORPORATED. BROKERS PROTECTED. *PRINCIPLE, CMHC PREMIUM, INTEREST AND TAXES INCLUDED. BASED ON A 1 YEAR TERM AMORTIZED OVER 25 YEARS AT 3.1%. PRICES,SIZES AND SPECIFICATIONS SUBJECT TO CHANGE WITHOUT NOTICE. SEE SALES REPRESENTATIVE FOR DETAILS. E. + O. E. ILLUSTRATION IS ARTIST’S IMPRESSION.

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OCCUPANCY FA LL 2013 LIVE IN ONE OF TORONTO’S MOST PR ESTIGIOUS NEIGHBOUR HOODS CONSTRUCTION H AS STARTED! From the low $500’s to over $1.7 Million Riverhouse at the Old Mill, welcome to a world of elegance and sophistication, in the city’s most desirable Old Mill neighbourhood. Meticulously designed suites, exceptional amenities, heirloom detailing and authentic craftsmanship.

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OLDM 0243 Condo Guide Ad CR2.indd 1 029-Lanterra-Riverhouse 04-21-12.indd 29

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% 10 TOTAL DEPOSIT LIMITED TIME ONLY

Put less down to live downtown. The people have spoken. Studio Condos on Richmond is the Peoples’ Choice winner for best new condo of the year. Now, more than ever, it should be your first choice too. For a limited time only, you can purchase one of the remaining suites in this artistic new community with only 10% down. Life in the city just got a lot more affordable.

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QUEEN ST.

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GARDINER EXPY

/$:5(1&($9(

ASPEN RIDGE CONDO FINDER

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79,: *,5;9,

3 %5,$13(&.&5(6

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Presentation Centre: South on Brentcliffe Rd, left on Vanderhoof. 416.805.1781 | scenicliving.ca

(*/,1721$9(

'210,//6

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Scenic on Eglinton

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Prices & specifications subject to change without notice. Brokers protected. E.&O.E. Š 2012 Aspen Ridge Homes. All Rights Reserved. Illustrations are artist concepts only. 19470

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FUNDAMENTALLY SPEAKING

// BY WAYNE KARL

BUYING YOUR Four tips to help FIRST HOME? guide your decision

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne. karl@wall2wallmedia.com or follow him on Twitter at Twitter.com/WayneKarl

and other amenities is among the key determinants that affect your property’s appeal, and ultimately its value. After all, those are the qualities potential buyers look for when searching for a home; the more of them your house has when you go to sell, the more it will be attractive to a greater number of people. While experts suggest you take a long-term view when buying a home, it’s also important to not look too far down the road. Let’s be honest, your first home may not be your dream home, and your needs and desires are sure to change throughout the various stages of homeownership. So, while the answers to the above questions are specific to circumstances, there are also some common guidelines you can follow.

01

How much can you afford? Experts agree it is never a good idea to make yourself house-poor, and it is a very common mistake, particularly of first-time buyers, to buy more home than you can really afford. Meeting with a mortgage broker or your banker will help determine your full financial picture, assessing everything from your credit rating to how much you have saved for a down payment. Experts also suggest you “stress-test” your plan to see how well you could cope with higher mortgage payments brought on by rising interest rates.

02

W

hen you’re buying your first home, you are sure to be fi lled with many important questions. How much can you afford? How much will it all cost? Where do you really want to live, and can you afford the area? And, finally, what type of home do you want? The answers are very individual: it really depends on your situation – from the amount of your down payment to where you work to whether you have kids to other personal circumstances. For your enjoyment while you live in your home, as well as for future resale potential, proximity to transportation, shopping, schools

How much will it really cost? Another common homebuyer mistake is not being prepared for all the closing costs involved: lawyer fees, land transfer taxes, utilities, insurance, and home inspection and appraisal fees and insurance. All of these costs add up, and ultimately should factor into your overall home-shopping budget.

03

Where do you want to live? This question is becoming more important for a number of reasons, though influenced primarily by where you work, how much of a commute you want and whether your transportation options include mass transit or only driving. Indeed, especially with gas prices on the rise, proximity to mass transit is something more and more people are looking for in their new home location. It may not be as simple as choosing to live in the city, suburbs or a small town.

04

What type of home do you want? Once you have determined your options for cost and location, you can then assess what types of homes are available in your price range and desired neighbourhood: Single-family detached, semi-detached, townhome, duplex or condo? Some many questions, so many choices. The good news is, home builders today are in sync with customer preferences for location and amenities, and with market realities with regard to pricing and needs for energy efficiency, so your options for new-home product have never been better.

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around the house

// byLaura Wittmann

Conquer Eight tips from an Clutter organizing guru 1 | Ask clutter questions As you face each clutter decision, ask yourself the questions below. You can do this in two ways. One is to evaluate each item by asking all the questions about it at once. If the thought of that seems too overwhelming, you can ask them in stages. For example, evaluate each item by going through and only asking the first question. Then take that same pile and go through the items again asking the second question and so on. By the time you answer all five questions, your pile should be considerably smaller (if you’ve been honest, that is!) Questions Laura Wittmann is a professional organizer and founder of the popular blog I’m an Organizing Junkie, a website dedicated to providing encouragement and education for organized living with a good dose of fun. orgjunkie.com

›› D  o I love it? ›› D  o I use it? How long ago did I last use it? (More than a year? Toss it!) ›› D  o I have the room to store it without it affecting my efficiency

and stress levels?

›› A  m I willing to give up something else in order to make room for it? ›› C  an I imagine myself or anyone else in my family ever loving it or

using it in the foreseeable future?

2 | Use an “I’m outta here” shelf Without this shelf I would be lost! This is a shelf near my entryway that I use for all the things that don’t belong in my house but need to go somewhere else: items that need to be returned to the store, a friend’s plate leftover from the last dinner party, magazines I want to pass along to someone else, letters to be mailed, etc. The trick is to get into two habits: to put stuff on the shelf that has to go out and to actually check the shelf before leaving the house to see if there’s an errand that can be run on your route. I’ve made it part of my before bed, “10-minute” tidy to round-up these misplaced items and add them to the shelf so they’re ready and waiting for me the next day when I head out to do my errands.

Are you really willing to give up square footage of usable space in your home for stuff you “might” just use or need one day?

3 | Establish a “command centre” A “command centre” is a beautiful thing. It’s the ideal spot to capture bits and pieces of life that are happening right now and can’t be filed away just yet. It’s not a solution to the permanent filing. Instead, it’s a revolving display of miscellaneous documentation, a communication centre for the goings-on of life. Perfect for things such as important telephone numbers, birthday party invitations, receipts for items needing to be returned, school papers with specific information on an upcoming event, papers that need to be referenced routinely, or bills to be paid. Ideally, you want to choose a central location in your home, that you can’t help but see every day and that is accessible by all members of the family. It should include a central calendar, a message centre, and file holders or bins for each of your children’s school papers – and don’t forget the chore charts. nov 17 - Dec 1, 2012 new Condo Guide 033

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So often, we don’t want to start an organizing project because we think it will take too long. Trying to find large chunks of time can seem overwhelming. 4 | Keep your vehicle stocked with essentials You never know what’s going to happen when you’re out and about. Organization helps you be prepared for whatever life throws at you. While we can’t control the traffic, weather, or even sick kids, we can keep our vehicles stocked to help us in these situations should they happen. Grab yourself a container and fi ll it with a first aid kit, wipes, a change of clothes if you have little ones, extra diapers, Ziploc bags for travel sickness, tissues, receiving blankets (these work at any age for quick clean-ups!), activity kits for traffic-stalling boredom, and of course, snacks and water. Don’t forget to keep a trash bag in your car at all times as well. You wouldn’t throw garbage on your floor at home, so don’t do it in the vehicle, either. Every time you get gas, get in the habit of dumping the garbage. Just a little advance planning can make a huge difference to how your day will end up playing out. 5 | Keep projects in progress under control Projects in progress can hold us back. Whether we’re aware of it or not. Do you have projects that don’t interest you anymore, that have been cluttering up your space for years, yet you feel some sort of obligation to complete? It might be time to let them go and feel the weight lift from your shoulders as a result. Go ahead! What are you waiting for? Think about whether or not the space you have given your clutter permission to take over could be put to better use. Are you really willing to give up square footage of usable space in your home for stuff you “might” just use or need one day? Really stop and think about the power you’re putting in your clutter’s hands. What kind of hold does it have on you and why are you allowing it to happen? 6 | Use visual cues to eliminate clutter Sometimes with everything else going on, we can’t remember what we’ve used and what we haven’t. It’s time for some visual cues. For instance, turn the hangers around in your closet to face the opposite direction; as you wear something, turn the hanger back around. At the end of the season, you’ll know exactly what you’ve worn and what needs to be purged. Alternatively, place small stickers on your clothing, and when you wear something remove the sticker. Anything remaining with a sticker after a year is ready to leave the nest.

perfectly wonderful inexpensive closet organizers at most department stores. I like the ones that provide the cubbies in the middle. 8 | Tackle small tasks to get big results So often we don’t want to start an organizing project because we think it will take too long. Trying to find large chunks of time can seem overwhelming. Thankfully, many organizing tasks can be completed in short bursts of attention. Committing to these small tasks on a daily basis creates a sense of accomplishment that fuels continuation and fosters self-discipline. Once you see how easy and rewarding it is to tackle one small task or space at a time, the impact of those results will make you want to do it over and over and over again! orGaniZinG tasKs that Can be done in 30 minutes or Less:

Organize a drawer Organize a bookshelf File papers Update your calendar Organize DVDs Check for expired products in your fridge ›› Sort hats and mitts ›› Create email folders ›› Organize your wallet or purse ›› Clean out backpacks ›› Tidy your desk ›› ›› ›› ›› ›› ››

7 | Install closet organizers Closets without organizers seem naked and are crying out for organization. You can literally double the amount of closet space you have by adding an organizer to it and I’m not talking an expensive one, either. You can get 034 neW Condo Guide nov 17 - Dec 1, 2012

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NOW PREVIEWING

RESIDENTIAL | RETAIL | OFFICE A visionary master-planned community in the heart of Woodbridge. Two soaring towers linked by a dramatic podium, connecting you to a world of elegant suites, brilliant amenities and retail services. This is where it all comes together with style and class.

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All illustrations are artist’s concept only. ©2012 Liberty Development Corporation. All rights reserved. Brokers Protected.

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CONDO PROFILE

TRIDEL LAUNCHES TEN YORK: Toronto’s waterfront icon

c

onsidered one of the biggest condominium announcement in the GTA of 2011, the release last November of preliminary details about Ten York from Tridel generated headlines across North America. “Less than a year after Ten York was first introduced to the public it is now poised to go on sale,” says Jim Ritchie, Tridel’s senior vice-president of sales and marketing. “The number of registrations that have steadily built since last November have been truly remarkable and demonstrate the heightened anticipation and pent-up excitement for the launch of Ten York.” Since the announcement, Tridel have been working with their architect Rudy Wallman, Toronto city staff and local politicians, area residents and an independent peer review panel to create a condominium worthy of all the excitement. The result is an iconic 224-metre, 65-storey glass tower at the corner of York and Harbour that will serve as a dramatic and remarkable addition to the Toronto skyline, at a AAA downtown location. Set on one of the most prominent locations in downtown Toronto, overlooking Lake Ontario and conveniently close to the subway, GO Train and VIA Rail service at Union Station, Ten York is steps away from the Air Canada Centre, Maple Leaf Square, the Rogers Centre and Harbourfront. Boasting 694 residences starting from the mid-$300’s, the suites will range from smartly designed 564 sq. ft. one-bedroom suites to a spacious 3,858 sq. ft. three-bedroom design. Designed by the award-winning II BY IV Design 040 NEW CONDO GUIDE NOV 17 - DEC 1, 2012

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DESIGNED BY THE AWARD-WINNING II BY IV DESIGN ASSOCIATES, THE SUITES BLEND URBAN SOPHISTICATION, TIMELESS ELEGANCE, AND MODERN TECHNOLOGY

Associates, the suites blend urban sophistication, timeless elegance, and modern technology (an imbedded fibre optic network throughout the building will provide a lightning-fast Internet connection for residents). Besides cutting edge technology, a prime location, and exquisite finishes, Ten York boasts an abundance of luxurious amenities. Offering a fully equipped fitness centre, as well as studios for spinning, yoga and cardio, and a juice bar and lounge ideally suited for a postworkout wind-down, there is also an outdoor infinity pool, spa, and separate men’s and women’s saunas. The amenities also include a billiards room, media/gaming space, theatre, party venue and private dining room. Reflecting on the amount of anticipation and attention that greeted the announcement of Ten York

last year, Tridel’s Jim Ritchie is pleased with the development his company has responded with, noting that the massive coverage and heightened expectations “raised the bar” for this condominium and for Tridel. “With unparalleled anticipation, we felt compelled to deliver a condominium without equal and that’s what we’ve done,” he says. “Ten York is a one-of-a-kind condo opportunity for this market.” The Ten York presentation centre is located at 4800 Dufferin Street. Hours are Monday to Friday, from 11 a.m. to 7 p.m., and Saturday, Sunday and holidays from 12 p.m. to 6 p.m. For more information call 416.596.9888, e-mail tenyork@tridel.com or visit tridel.com NOV 17 - DEC 1, 2012 NEW CONDO GUIDE 041

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MORTGAGE FINESSE

// BY CALUM ROSS

WHAT THE NEW MORTGAGE RULES

Calum Ross is senior vice-president and practicing mortgage agent with The Mortgage Centre. He has appeared on Canada AM, Investment Television, BNN and Citytv. He holds an MBA in finance and is an accredited mortgage professional. He can be reached at 416.410.9905.

L

ast June, Canadian Finance Minister Jim Flaherty announced further measures to reign in the record level of household debt in this country with three major mortgage rule changes. The three changes that took effect on July 9, 2012 were as follows: 1. The maximum amortization was reduced from 30 years to 25 years. 2. The maximum amount a homeowner can refinance was reduced from 85 to 80 per cent. 3. Mortgage default (CMHC) insurance will be available only on home purchases of less than $1 million, meaning those hitting the $1-million mark will be required to put in a 20 per cent down payment. Reigning in debt and cooling what many believed to be an over-heated housing market is a noble (and perhaps necessary) cause, but what does this mean for you, the average homebuyer

mean for you

and owner? Well, given the $1 million rule affects only a small subset of the market – and not the average homebuyer – let’s set that one aside for now and focus on the biggest change here: the maximum amortization. This has implications for both homebuyers on the cusp of affordability as well as real estate investors who typically choose to max out the mortgage amortization. According to the Canadian Association of Accredited Mortgage Professionals (CAAMP), 40 per cent of new mortgages in 2011 had amortizations over 25 years. Given the relationship between housing prices and mortgage affordability, we can expect a cooling of the housing market, but by how much is unknown. Reducing the maximum amortization from 30 to 25 years effectively limits your buying power. For example, on a $300,000 mortgage with a five-year fixed mortgage rate of 3.19 per cent, your monthly mortgage payments would go from about $1,290 to $1,450 by reducing the amortization from 30 years to 25 years. On the other hand, the amount owing on your mortgage principal after five years is shaved off more than $10,000 to about $257,350 from $267,530. This is good. Remember, the goal for most homeowners is to be mortgage-free faster. The other mortgage rule change in regards to refinancing – reduced from an 85 to 80 per cent maximum on the mortgage principal – will have an impact for existing homeowners. You can access essentially five per cent less equity in your home to consolidate other high-interest debt or finance other project like home renovations. On the flip side, considering the extra pressure on the mortgage market to compete for potentially a smaller pool of well-qualified borrowers, we may see some more mortgage rate wars among lenders. With mortgage rates already at historic lows, it is worth investigating refinancing to a lower rate anyway. More than ever it is advisable to speak with a competent mortgage advisor to discuss your refinance options. When mortgage rules get more restrictive, lenders scrutinize mortgage applications to a much greater degree. As I have said before, the very best time to borrow money is when you don’t need it. Accordingly, the very best time to restructure or revisit your mortgage is when rules are more favourable and mortgage loans are easier to get approved. You can expect to see more tightening of mortgage rules within the next year. So, if you are waiting to get your mortgage pre-approval, or revisit the refinancing of your mortgage, it is my recommendation to revisit the approval sooner rather than later. If you have a mortgage approval and rules get looser, then you get the benefit of the new rules, but if you wait until the rules get tighter, then nothing can be done. Until next time – here’s hoping you make smart borrowing and personal finance decisions.

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MARKET ANALYSIS

Lack of new launches prompts decline in

NEW CONDO SALES A LACK OF NEW PROJECT LAUNCHES has led to a

decline in new condo sales in the third quarter of 2012, according to Urbanation’s most recent market analysis. The Q3-2012 overview by Urbanation Inc., a monitor of the Toronto condominium market since 1981, shows that in the Toronto Census Metropolitan Area (CMA) there were 3,317 new condominium apartment sales in the third quarter, a decrease of 30 per cent from the second quarter. “With slowing sales and a record level of unsold inventory in the market in the second quarter, condominium developers reacted quickly by delaying their project launches, especially in the ‘416’ area,” says Ben Myers, Urbanation Executive Vice President. “Just five projects launched in Toronto in Q3-2012, as developers choose to review their pricing assumptions and unit mix”. The average unsold unit in the Toronto CMA was offered at $573 per sq. ft. at the end

of Q3-2012, an increase of just two per cent year-over-year. Unsold pricing in the former City of Toronto remains virtually unchanged from one year ago, rising from $668 per sq. ft. to $670 per sq. ft. The lack of new site openings in the third quarter resulted in a decrease in unsold inventory from the CMA record high of 18,123 units in Q2-2012 to 17,182 units in Q3-2012. With 20 per cent of the 86,108 units unsold, the share of unsold inventory in the Toronto CMA remains below the 10-year average of 22 per cent. With condominium apartment construction starts outpacing completions for the eighth consecutive quarter, units under construction in the CMA have set another record high at 207 projects and 56,336 units. “The number of unit completions in 2012 are well below our forecasts, as construction delays have pushed back occupancy on a number of projects” says Myers. “The average project that completed construction in 2012 took 3.85 years from sales launch to occupancy, compare that to 2003, when the average took just 2.68 years for a similarly sized project (205 units versus 197units).” The resale condominium market conditions also softened in Q3-2012, as transactions fell 32 per cent quarterly in the Toronto CMA from 5,050 in Q2-2012 to 3,413. “The change in the mortgage insurance rules may have forced many buyers to settle for smaller units then they had previously desired,” says Myers. “The number of resale transactions for units priced over $400,000 fell 40 per cent compared to last quarter, while there was a 38 per cent quarterly drop in units traded over 1,000 sq. ft.” Just 10 projects, or 2,035 condominium units, registered in the third quarter of this year, and the dearth of new supply resulted in a decline in resale listings quarterly from 10,163 in Q2-2012 to 9,032 in Q3-2012. Urbanation expects a much higher level of resale listings in 2013, as more than half of the 56,336 condominium units under construction are expected to complete construction next year. For more information, visit urbanation.ca

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CHAZ. d YORKVILLE will soon be home to eight new floors

Building amenities extend to a gym, yoga/Pilates studio, steam rooms, relax massage studio, pet spa, sports theatre, conference/meeting room, and fully outfitted car wash

iscover affordable luxury at Chaz. Yorkville, Toronto’s hottest condominium located steps from the city’s vibrant Bloor-Yonge intersection. Well under construction, this dazzling residence by Developer 45 Charles Ltd. and Project Manager Edenshaw Homes will soon be home to eight new floors, from the 42nd and up. The suites on these lofty levels are aptly called Sky Residences, and each will come complete with the Bellair collection of luxurious features and finishes. The value is incredible, especially since suite purchases at Chaz.Yorkville require only a 10 per cent deposit, and the world-class shopping and fine dining of prestigious Yorkville are just a stroll away. The new release offers just 107 brand new suites, so register now for your opportunity to “own the sky.” The Sky Residences offer sumptuous living, with nine-ft., floor-to-ceiling windows, European-style smooth ceilings, wide-plank engineered hardwood flooring, Cecconi Simone-designed cabinetry with unique backsplash storage in the kitchen, and a six-ft.-high recessed medicine cabinet with adjustable shelves in the marble bathrooms. Uniquely designed to provide eight corner suites on each of the new eight floors, Chaz. Yorkville will feature spectacular views of the city and Lake Ontario. With sustainability in mind, the condominium is being built as a LEED certification candidate. To lower operating and utilities costs and provide a healthier indoor environment, the building will feature active and passive elements. Chaz.Yorkville is environmentally friendly with four car-share stalls and the Yonge-Bloor subway station is only a block away. Designed by multi-award-winning Page + Steele / IBI Group Architects, Chaz.Yorkville’s contemporary limestone-and-glass exterior has an iconic two-storey structural concrete

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facet that cantilevers out from the 36th and 37th floors and can be illuminated at night. Within this memorable space is the residents’ private Chaz Club. The ultimate space for entertaining, this area features a lounge and bar in the grand room, a private dining room that can accommodate up to 20, a living room, wet bar, dining room, billiards room and lobby lounge. All the amenities at Chaz.Yorkville are appointed by the inimitable Cecconi Simone, including the stylish lobby. On one side, the lobby lounge features luxurious banquettes in front of a fireplace. At the other, the living room, wet bar, dining room and billiards room open onto the landscaped private courtyard. Building amenities extend to a gym, yoga/ Pilates studio, steam rooms, relax massage studio, pet spa, sports theatre, conference/meeting room, and fully outfitted car wash. With an appreciation for the importance of electronics in today’s lifestyles, the developers have taken a technological leap by arranging for fiber optics to be wired into the suites and the computer gamers arena from Rogers Head End on Jarvis Street. This service will provide Internet speeds of up to 100 MB, and Chaz.Yorkville is the first condominium in Toronto to feature it. The Arena will have the latest 4K video screen and other equipment. In addition, because of the addition of the Sky Residences floors, many of the residence’s amenities

areas are now even larger. The two giant 4K, 3D screening theatres include a new pre-function area for Hollywood-style events, a servery has been added for ease of entertaining, and the condominium has a new third guest suite. The Chaz.Yorkville development team has an impressive track record. Headquartered in Manhattan’s Rockefeller Centre, 45 Charles Ltd.’s background includes 40 years of Toronto real estate investments in locations that increase in value as they mature. Providing top quality homes in urban communities, Edenshaw Homes delivers expertise in design, development, marketing, construction and customer service. Suites are priced from the high $300’s to $2.5 million in this condominium, which has won many accolades including this year’s Pacific Coast Builders’ International Residential Project Gold Nugget Award. Register to be among the first with the opportunity to purchase one of the fabulous Sky Residences. Visit the Presentation Centre at 101 Yorkville Avenue, between Avenue Road and Bellair Street, Monday to Thursday from noon to 6 p.m.; Friday 2 to 8 p.m.; Saturday 12 to 8 p.m.; Sunday noon to 6 p.m. Call 416.922.0045 or visit chazyorkville.com.

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t y. e

MONEY MATTERS

Getting

// BY GAIL VAZ-OXLADE

DEBT-FREE FOREVER

I

Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade

’ve often said that getting to debt-free is simple but it isn’t easy. And that’s the problem most people have with biting down and getting to work. They would rather whine about how horrible life is, complain about how stressed they are or simply stick their heads in the sand then get busy. If you’re one of the people who is procrastinating about taking control of your money and your life, you first have to figure out why you’re procrastinating. At the University of Konstanz in Germany, a team of psychologists wanted to see if our tendency to procrastinate had anything to do with how we think of the task at hand. Could it be that if we see something as psychologically “distant” – like getting to debt-free – that makes us resistant to tackling the task immediately. A group of students were asked to respond to a group of questions by e-mail within three weeks. The questions had to do with run-of-the-mill tasks like opening a bank account or keeping a diary. Students were given different instructions for answering the questions. Some were asked to think and write about each activity in an abstract way, as in what the task implied about personal traits: what kind of person has a bank account? Others were asked about the concrete steps of each activity: speaking to a teller, filling out forms, making an initial deposit. Then the psychologists waited and waited… and waited. They recorded all the response times to see if there was a difference between the two groups.

If you’re one of the people who is procrastinating about taking control of your money and your life, you first have to figure out why you’re procrastinating

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Start now. Each time you put off getting started you allow the problem to grow in size and complexity in your mind.

Guess what? There was. A very clear difference. While all of the students were being paid upon completion, those who were asked to think about the questions abstractly were more likely to procrastinate. Some never got around to the assignment at all. Those who were focused on the concrete steps – the how, when and where of doing the task – got the job done sooner. It seems that just thinking about what you want to accomplish in concrete, specific terms reduces our tendency to procrastinate. Blame your fear. Blame your sense of failure. Blame your belief that you can’t do it yourself. Whatever excuse you use, you’re guaranteeing your failure. Take the bull by the horns, lay out a plan of action, make that plan specific, measurable, achievable, realistic and timely, and you’re on your way to being debt-free forever. Start now. Each time you put off getting started you allow the

problem to grow in size and complexity in your mind. For as long as you’re not doing something about a problem you’re allowing the fear to build. Stop living in fear and start doing something different. Break down the steps. Make the plan concrete. Make the steps manageable. Setting a goal of being debt-free forever by the end of the year is great, but only if you also say how you’re going to do it. “I’m going to cut $200 in unessential spending from my budget and apply that to my debt repayment.” Those concrete steps are what will make the plan actionable. Enjoy the challenge. Yes, it may feel like you’re about to climb a mountain, but how you approach the mountain will make all the difference in the world. If you keep looking at how high it is and reinforcing how impossible it is to get to the top, you’ll fail. If you see each step you take up the mountain as something to celebrate, you’ll eventually reach the summit. Attitude counts. NOV 17 - DEC 1, 2012 NEW CONDO GUIDE 049

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condo snapshot

BECOME A PART OF THE SUCCESS:

Firsthome Long Valley Phase Two

When it comes to designing new-home communities aimed at first-time buyers, The Daniels Corporation’s FirstHome Communities are unbeatable. Daniels recently hosted their preview sales event at FirstHome Long Valley Phase Two. The response was overwhelming, with homeowners lining up for days in advance to have the opportunity to purchase in this highly desirable community, located at the northwest corner of Winston Churchill Boulevard and Thomas Street in Erin Mills. You too can become part of the success. There is an excellent selection of fully-built condominium suites priced from $288,900 and condominium townhomes priced from $395,900. Plus, for a limited time, Daniels is offering an incredible $5,000 bonus incentive. Much like other Daniels FirstHome Communities, Long Valley Phase Two was constructed before going on sale, which means that purchasers have the opportunity to receive a one-on-one tour of the overall community as well as view a model of every home design including the fully furnished models before purchasing; plus they can move in as early as 30, 60 or 90 days. “Our FirstHome Communities offer quality built homes and unbeatable prices in phenomenal locations across the GTA. With our innovative first-time buyer programs, we are helping to make the homebuying process easier and more attainable,” says Don Pugh, vicepresident of The Daniels Corporation. “And Our FirstHome specialists are available to help you every step of the way.” The innovative first-time buyer programs Pugh is referring to include a

five per cent deposit with Daniels’ Gradual Deposit Payment Plan. Purchasers only have to pay $2,500 with the Agreement of Purchase and Sale, another $2,500 within 10 days, then $1,000 every month until they reach five per cent of the purchase price or final closing on their home. Plus, by working closely with their financial institutions, Daniels is able to offer a special mortgage interest rate at an incredibly low level. The Daniels Corporation (danielshomes.ca) is one of Canada’s preeminent builder/developers with a reputation for quality and integrity in all forms of residential construction. Named the Tarion Warranty Corporation’s 2012 High Rise Builder of the Year and the recipient of the 2012 Toronto Arts and Business Award presented by the Toronto Arts Foundation, Daniels has built more than 23,000 homes throughout the GTA. Daniels was chosen to partner with Toronto Community Housing to revitalize Regent Park – 69 acres in Toronto’s Downtown East. Committed to community, Daniels champions neighbourhood initiatives that enhance residents’ quality of life and supports numerous charities and non-profit organizations. Call or visit the FirstHome Long Valley Phase Two sales office to speak one-on-one with a FirstHome specialist and discover how you can realize your dream of homeownership. Call 905.814.0123 or visit danielsfirsthome.ca. Sales Office: 5705 Long Valley Road, Townhome #7. Open: Monday to Wednesday from 12 p.m. to 8 p.m.; weekends and holidays from 12 p.m. to 6 p.m.; closed on Thursday and Friday.

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housing market

Canada to avoid a

U.S.-style housing market meltdown Canada will not suffer from the same type of real estate market meltdown witnessed in the U.S., according to a new report from CIBC World Markets. The report notes that while there are a number of factors that raise concerns about Canada’s housing market, there are fundamental differences between the Canadian and U.S. markets that should see a soft landing for the real estate market here. “To be sure, house prices in Canada will probably fall in the coming year or two, but any comparison to the American market of 2006 reflects deep misunderstanding of the credit landscapes of the pre-crash environment in the U.S. and today’s Canadian market,” says CIBC Deputy Chief Economist Benjamin Tal. Tal notes that while the debt-to-income ratio in Canada just broke the American record set in 2006, “this ratio is more a headline grabber than a serious analytical tool. There is a list of countries with comparably higher debt-to-income ratios, which did not experience anything remotely resembling the recent U.S. experience.” Tal says we should pay more attention to the speed at which the debt-to-income ratio is growing. “Here the picture looks a bit less alarming. Comparing the three years heading into the U.S. crash to the past three years in Canada reveals that the debt-to-income ratio in Canada has been rising at half the speed seen in the pre-crash U.S. market.” The strong growth in indebtedness south of the border was partially fueled by speculative activity in the housing market — something we’ve seen far less of in the Canadian market. In the decade leading to the crash, housing starts in the U.S. exceeded household formation by nearly 80 per cent. On average, over the past

decade, the gap in Canada has been only 10 per cent — with most of the excess seen in cities such as Toronto and Vancouver. Another key difference between Canada and the U.S. is in the quality of mortgages. The distribution of credit scores has not changed dramatically in the past four years in Canada, which is different than what happened in the U.S. during the four years heading into the recession. Stateside, the proportion in the risky category rose by more than ten percentage points and accounted for 22 per cent of the overall market. But credit score does not tell the whole story says Mr. Tal. Among other things, many of the troubled mortgages in the U.S. were sold to borrowers with an acceptable credit score but who did not satisfy the underwriting rules for prime loans because they were unable or unwilling to provide full documentation on their mortgage applications. In 2006, these non-prime mortgages accounted for no less than 33 per cent of originations and close to 20 per cent of outstanding mortgages. Tal notes that not all is well in the Canadian housing market. Home prices are overshooting their fundamentals, mainly in large cities such as Toronto and Vancouver and the recent slowing in sales activity will probably be followed by price adjustments in many cities across the country. “But the Canada of today is very different than a pre-recession U.S., namely as far as borrower profiles are concerned. Therefore, when it comes to jitters regarding a U.S.-type meltdown here at home, the only thing we have to fear is fear itself.” The complete CIBC World Markets report is available at: research.cibcwm.com/economic_ public/download/cw-20121030.pdf

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N OW O N S A LE !

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Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artists concepts. Prices and specifications are subject to change without notice. E.&O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited. *Conditions apply. See Sales Representative for full details. The FIRST HOME BOOST Program will only be available on a limited number of suites.

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your condo

Your new condo:

// by Mirella sarrapochiello

creating beauty & balance

Y

ou’ve just purchased a new condo and you are beyond excited. But there is still a lot to do – from the paint to the flooring to the pictures. Planning how your new space will look and feel can be daunting. But armed with a few tips, you can create a beautiful condominium suite with an overall ambiance to help bring continuity and balance into your home.

the Flooring

Mirella Sarrapochiello is Director of Sales and Marketing for Monarch High Rise. Founded over 95 years ago, multi-awardwinning Monarch is Canada’s oldest and most experienced builder.

The best place to start when planning is with the floor – a key design element in any room of your new home. Begin by deciding what look and feel you want in your space, and then consider using the same flooring throughout your home to link adjacent spaces.

Keep everything tucked away in your kitchen; not only will you maximize your storage space and reduce clutter; it will make your suite appear larger

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pictured top & opposite page

The Epicurean – coming soon from Monarch

The Kitchen

Keeping to one colour and style will make rooms look bigger. However, if you want to change flooring materials in your condo, it is best to stay in the same colour family. A decision on light or dark floors and what looks best in a small space depends on your furnishings and how they complement or contrast with the flooring. Light flooring gives an airy, open feeling, whereas dark flooring anchors and creates definition.

Your kitchen it should blend seamlessly into the common living space, so the aesthetic of this room is important. The cabinetry, countertops, backsplashes, flooring, appliances, hardware and fixtures must integrate into your space. The countertops and backsplashes should be coordinated, picking up on colour tones from one another. Smooth, cool surfaces of polished stone and marble make a room feel bigger. Keep everything tucked away in your kitchen; not only will you maximize your storage space and reduce clutter, it will make your suite appear larger. Use lighting to your advantage by adding undercounter lighting and track lighting on the ceiling to make the kitchen appear brighter and more open.

The Colour

The Experts

One important consideration in your suite is the position of colour. The same colour will appear very different on the floors versus the walls or on the ceiling. Colour also has a significant impact on the psychological effect. For example, a rich burgundy carpet on the floor will feel warm and inviting. People will often choose the paint colour first and then try to match everything to it. It is much better to choose your paint colour last, after you have selected your finishes. Don’t be afraid to use dark colours in a small space; they can make the space seem more inviting, as opposed to painting the walls white. When you decide on your colour palette and design style, consider keeping it consistent from room to room. That way, the entire floorplan will flow nicely.

Planning your new home can be easy with the assistance of professional designers in builder’s décor centres. They can guide you through your selections because they understand what details matter in a home. These designers can help customize your suite and make it easy to make choices that are right for you. It is a good idea to make some preparations before your visit. Gather fabric samples and bring magazine clippings that reflect your personal style and taste.

People will often choose the paint colour first and then try to match everything to it. It is much better to choose your paint colour last, after you have selected your finishes

With a little planning and know-how, you can create an open space that is esthetically pleasing and comfortable.

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news

pictured left

Left to right: Pemberton Group’s Alexandra Muzzo and Olivia Muzzo, Plan International’s Christina Doyle, and Pemberton Group’s Livia Chiriaco at the YongeDundas celebration of the International Day of the Girl

Pemberton Group supports

“BECAUSE I AM A GIRL” On October 11, Toronto’s Yonge-Dundas

Square was the site for one of many Canadian celebrations of the inaugural United Nationsdeclared “International Day of the Girl.” Inspired by Plan International’s Because I am a Girl initiative and the thousands of Canadians who petitioned for its creation, the day recognizes girls’ rights globally. Pemberton’s Alexandra Muzzo, Olivia Muzzo and Livia Chiriaco joined Christina Doyle, Marketing Manager of Because I am a Girl at the event to stand up for girls’ rights. They also enjoyed a performance by the organization’s newest Celebrated Ambassador pop singer Alyssa Reid, a Pink LemonAid stand, an interactive art exhibit, and a pop-up shop with merchandise. Pemberton Group, a developer with more than 50 years of experience building communities in the Greater Toronto Area, has committed $250,000 to support Plan International’s Because I am a Girl initiative. “Pemberton is proud to support Because I am a Girl, said Alexandra Muzzo. “Building better communities is at the heart of Pemberton Group’s corporate philosophy.

Investing in girls is an important factor in the social and economic health of communities in Canada and around the world.” The Day of the Girl is intended to raise awareness of “the girl issue” that is affecting girls and women around the world, to identify the dilemma that girls face and to recognize the immense power girls have to change the future for everyone. Around the world, girls are three times more likely to be malnourished than boys, and 75 million girls are denied an education just because they are female. It has been proven that when you invest in girls by providing better health care, education and empowerment, they can pull themselves, their families and their communities out of poverty to change the world. Because I am a Girl helps give girls a voice, a chance and a future. For more information, please visit becauseiamagirl.ca. Additional information can be found online at pembertongroup.com and picked up at the company’s U Condominiums, SkyCity and Vivid presentation centres.

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taxing issues

// By henry choo chong

Pooling financial resources

Henry Choo Chong, CGA, sits on many committees and provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5225. Questions to Taxing Issues can be emailed to choochonghcga@yahoo.ca

The opinions and views expressed herein are those of the author and not those of New Condo Guide. New Condo Guide does not necessarily endorse or encourage any specific tax strategies. Please consult a tax professional for advice specific to your particular situation.

Q

My wife and I would like to purchase a condo but the initial down payment is an issue. My mother and uncle are new immigrants to Canada and have approached us to buy a condo together. What do you think of buying a condo with family members? Tse, Scarborough

A

The pride of home ownership is a dream for most Canadians. Unfortunately, this may only be a dream for many and may never become a reality. Some individuals may have difficulty qualifying for a mortgage, even with the creativity of many

financial lenders. Rule number 1: Buy what you can afford, not what you can borrow. Price increases in the Toronto real estate market easily outpace the marginal increases in salaries of the average Toronto household. Pooling the financial resources of several family members can be an excellent opportunity for first-time buyers to get into a home. Eventually, you can save sufficient equity to have your own dream home. Obviously, this does not come without making sacrifices and concessions. A dream home can quickly become a nightmare, particularly when your mother-inlaw may not be your first choice in house mates. Extended family arrangements are not uncommon for many immigrant families that have three generations under one roof. For some cultures, this is the norm. However, this form of living arrangement is not for everyone. Most couples marry to start a family, not to inherit two generations of families. Food for thought that may help you make a decision:

›› Discuss the financial arrangements with your family member(s) before making a commitment. Are the down payments equal? How will the equity of the condo be divided in the event of a sale? Are the mortgage payments divided equally? What about condo fees? What happens if one partner wants out? Whose names goes on title? ›› Does the extended family get along? Family relations can deteriorate faster than an old home with termites! Discuss these arrangements thoroughly with your spouse. ›› A meeting with a lawyer beforehand can ease tension later. Sometimes, it’s good to write things down and not have regrets later. Make no mistake, this is a business relationship. ›› Family financial resource pooling can be very successful for real estate and stock investments. Some of Canada’s wealthiest owners of real estate and public companies are family owned. It sometimes pays to keep it “all in the family.” ›› Your tax adviser can explain some pros and cons of pooling from a tax perspective. Compare the tax advantages of having extended families under one roof, with the loss of other tax credits and government programs. ›› How is the credit rating of the other family members? Pooling can help family members with less than excellent credit re-establish themselves. Family dynamics are an important ingredient when families pool their financial resources. Real estate prices will always rise and fall, but families are priceless.

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CA

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E-A-S-Y

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These days, with rent on a 2-bedroom apartment in Toronto reaching $2,000/month and beyond**, saving for a down payment can feel next to impossible. But at The Station, our new deposit structure* makes saving a snap. So not only can you afford to buy your own place, but the place you call home can be at North York’s award winning record-breaking development. Here’s how it works.

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Just like that, in 25 months, your down payment will be done and you’ll be the proud owner of an amazing new condo with expansive Terrence Lucas-designed interiors, spacious balconies, and amenities like The Studio Club, fitness centre and the city’s first indoor/outdoor heated party rooms.

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On Tippett Road, south of Wilson Avenue / Mon to Thurs 12–6pm Sat + Sun 12–5pm *Conditions apply. On select suites only. See sales rep for details. Prices, specifications and deposit structures are subject to change without notice. E. & O.E. Exclusive Listing Brokerage: The Condo Store Realty Inc., Brokerage. Brokers protected. Illustration is artist impression. **Source: theglobeandmail.com

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063

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condo pro

// by barbara lawlor

Home safe home

Barbara Lawlor is president 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 condominium developments in the GTA and overseas

I

n today’s unpredictable world, homebuyers of all ages and walks of life are concerned about safety – and when it comes to new home choices, condominiums come highly recommended in that regard. In fact, purchasers such as single women and families consider security at the top of their must-have lists when it comes to their decision to go condo for a new home – especially in a large

Many condos require residents to use remotecontrol access to the underground parking elevator, and visitors have to check in with the concierge to access those levels

city such as Toronto. It’s comforting to arrive home and have someone to greet you at the front door, no matter what time of the day or night. In fact, 24-hour concierge service plays a larger role in a building’s security than you may realize. Having a uniformed and well-trained professional on duty assures condominium residents that comings and goings are being observed, and that provides a tremendous peace of mind. The concierge is a visible reminder to those passing by that there is an eye on the street. During the daytime, you will also see property management staff in and around the building, which offers added comfort. And speaking of the street, today’s condominiums are well lit both outside and in, including the parking levels. Underground parking is naturally on the minds of buyers, and developers respond with many features that help to ensure safety in that respect. Excellent lighting is just part of the picture. Many condos require residents to use remote-control access to the underground parking elevator, and visitors have to check in with the concierge to access those levels. Usually, the exterior parking doors are monitored by the concierge through carefully placed security cameras, as well as secondary entrances that also call for card access. Some even provide residents with a key fob to use in case of emergency, and most condo parking garages today have emergency call buttons on every level. You may also have an enter-phone system at the main and visitor entrances, enabling you to monitor those entries by camera yourself. In addition, condominium lobbies are more open and brighter than ever before. Once you enter the building, you feel like you’re “home” already. When you think of it, the very nature of a condominium helps keep buildings secure. The old saying that there is safety in numbers has a lot of truth to it. Proximity to neighbours and people coming and going in the elevators and amenity areas is reassuring, as there is always someone within easy reach if and when you need help. Of course, those who purchase lowrise homes can install a security system, but in a condominium the on-site monitoring and immediate response is appealing. Another wonderful aspect of condominium living for all residents is the freedom that comes with being able to travel and just lock the door behind without worrying about lawn maintenance, snow removal, heavy repairs and the like. This carefree lifestyle includes having neighbours close by who can look after plants, feed cats and check that everything is fine during vacations. This is especially nice for those who do not have family in the city to look after their home while they’re away. Of course, every condominium has its own set of security features, and they differ from building to building. When you shop for a condo suite, be sure you compare apples and apples. Ask about security features and think carefully about the way you want to live and how well they can accommodate your comfort level.

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THE LIME 2 Bedroom 853 sq.ft.

Balcony uth facing ining Room o s e iv s n D Expa e Living / s from th m with acces d Master Bedroo an

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Exclusive Listing: CityLife Realty Ltd., Brokerage. Brokers Protected. Prices and specifications are subject to change without notice. E.&.O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited. *For a limited time only. A maximum amount applies to the 1 year mortgage incentive. $0 closing costs does not include Tarion enrollment fee, 3 months reserve fund contribution or applicable taxes. See Sales Representative for full details.

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2012 EDITION FREE

YOUR FIRST

HOME&CONDO THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME

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Located at the Located centre ofata the sound centre of a sound investment strategy investment strategy TORONTO TO THE CORE TORONTO TO THE CORE

TM

TM

Why is it that every now and then a new building captures the attention of discerning buyers regardless of market Why is it that every now and then a new building captures conditions. the attention of discerning buyers regardless of market conditions. For 88 Scott, it may be the premier location in the Financial District, the timeless architecture, stunning views, abundant For 88 Scott, it may be the premier location in the Financial amenities, or quite simply, the superb quality and finishes District, the timeless architecture, stunning views, abundant throughout. And, of course, the award-winning track record amenities, or quite simply, the superb quality and finishes of Concert. throughout. And, of course, the award-winning track record of Concert. The many who have chosen 88 Scott define it as a blue chip investment making it the best-selling new downtown The many who have chosen 88 Scott define it as a blue condominium in Toronto. chip investment making it the best-selling new downtown condominium in Toronto.

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5:16:30 PM


style file

GET FRIENDLY WITH Fabrics

How to mix and match… tastefully When it comes to fashion,

patterns are mixed together all of the time. So, you shouldn’t be fearful of combining patterns in a room to make it come to life. The trick is to do it tastefully – without creating a décor disaster. Here, I share my tips for combining patterns the right way: Begin Bold Start with one strong

pattern – strong could mean thick lines, a particularly busy pattern, or very saturated colours – and build upon it. Balance of Scale The goal is for your patterns to complement one another, not work against one other; try to have an even mix of busy and subtle.

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Textile Tips: 1 Choose soft furnishings that will work in any room of your home, so that

Soften Prints with Solids

A fabrics without a pattern acts as a staple to all schemes. It’s sort of like the bread to a sandwich – things won’t look (or taste) good without it. One Colour, Different Shades A more simplified way of mixing patterns is to keep it monochromatic. Select patterns of one colour but choose varied shades (for example, light blue mixed with medium and dark blue). Don’t Over-coordinate You want to avoid having your fabrics too “matchy-matchy.” If you’re using the same or similar pattern in more than one area, limit it to two places and have them spread far enough apart.

when you’re ready to change up your décor you can swap pillows, throws, drapery, etc. from room to room. 2 If you’re just starting to re-decorate a room, a textile that you love is a great way to draw inspiration for the entire scheme. Pull the colours, lines, shapes and feel from the pattern on the fabric. 3 W hen selecting a fabric, keep its application in mind and consider these two important details: ›› Durability Look at the rub count – if the textile you’re considering is for upholstery and a piece that will be used often, the higher rub count the better. If it’s for drapery, a lesser rub count is suitable. Also, fabric with a higher thread count means a tighter weave, which is key to having fabric maintain its shape over time. ›› Clean-ability Fabrics made of natural fibres will absorb stains much quicker than man-made fabrics, but they will clean up better. Fabrics made with man-made fibres are typically soil-resistant but don’t clean up as well.

My Favourite Patterns: Gingham This printed or dyed

fabric, which dates back to the 17th century, is known for its checked patterns of white and a single bold colour (you’ll often catch me wearing this pattern). The size of the checks can vary in size, and the checks can appear in horizontal rows and vertical columns, or sometimes diagonally. Pinstripe A classic pattern consisting of very thin stripes running in parallel. It is most recognized in men’s suits and is very striking in home décor. Chevron A repetitive pattern comprised of sharp ledges that look like the letter “V” (sometimes called herringbone or zigzag). This is on trend right now.

Yanic Simard is the principal designer of the Toronto Interior Design Group. Specializing in residential and commercial projects, Simard often applies his signature high/low and old/new combination design techniques in developing unique designs. Simard has created designs for clients in Toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytv’s CityLine. For more information visit tidg.ca. nov 17 - Dec 1, 2012 new Condo Guide 069

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LEGALLY SPEAKING

// BY JAYSON SCHWARZ

GETTING YOUR HOUSE IN ORDER

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

home. This is action gives you title to the property. If more than one person is buying the property it is necessary to decide how they will hold title together. 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.” To hold title as joint tenants really 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 have 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.” This means that each party only owns the percentage allocated to them, although the physical part owned is not described. Upon the death of a tenant in common, his or her percentage ownership goes to their heirs in accordance with their will or law. Therefore, remember to discuss this issue when you go to see your lawyer. 2. WHAT ABOUT A WILL? A POWER OF ATTORNEY?

W

hether you are a young couple or individual purchasing a new home for the first time, a resale buyer moving in the market or an empty nester 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 at this time in order to ensure that your “house is in order.”

Do you have a will? If you do, 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 everything from your favourite cuff links or earrings to your realty, stocks and bonds, and will allow you to determine how you are to be cremated, buried or quick frozen. A power of attorney is used when you are physically or mentally incapacitated – there are two kinds. The first is for your body, such as what care will you or will you 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 a great time to look at life and disability insurance. It is also a good time to determine if you should be insuring When your lawyer goes to the your mortgage in case something happens to the major wage earner; and to Registry Office to hand over all of ensure that the future is taken care of. your money to the builder in order to So there you have it, this is the time to take care of all of these kinds of buy your home, he receives, in return, things to get your house in order. a document called a deed or transfer, which he registers by filing with the Perhaps the most difficult part of writing these articles relates not the government; the document has your actual writing, but thinking of a topic to address. Visit schwarzlaw.ca, or email name is on it to show you own the schwarz@schwarzlaw.ca with your questions and quandaries. 1. HOW WILL I HOLD THE “TITLE?”

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events

Party kicks off sales launch of

king blue

1

2

More than 400 guests gathered on October 16th to celebrate the sales launch of King Blue Condos, a new development at the corner of Blue Jays Way and King Street. Steve Gupta, owner and CEO of Easton’s Group of Hotels (the developers of King Blue ) has grand plans to reinvent this corner of the downtown core. The festivities featured a Circus Orange troupe, a DJ and a fashion show preview of MAYA by Reetu Gupta, who is also the VP of Sales and Marketing at Easton’s Group of Hotels. The evening was designed to preview all of the glamour, excitement and festivities that accompany a King Blue lifestyle. King Blue is in the heart of downtown, in the middle of the entertainment district. Theatre, clubs, restaurants and bars are all just steps away. Mansoor Kazerouni of Page + Steele IBI Group Architects designed two sleek 48- and 44-storey towers, while also incorporating the original 1929 heritage Westington building into its façade. It’s a project comprised of 807 units, 13,000 sq. ft. to 35,000 sq. ft. of retail space, Theatre Museum Canada (housed on the 2nd floor) and a 5,800-sq.-ft. rooftop featuring a public

1C  igarette girls

handed out King Blue Condos branded milk chocolates Photo by Arthur Mola 2G  uests at the

launch of King Blue Condos Photo by Arthur Mola 2 Guests enjoyed

a haute-couture fashion show preview of MAYA by designer Reetu Gupta Photo by Ryan Emberley

3

bar and a 15-20 ft. ivy-covered metal trellis that will create a romantic canopy. In addition to enjoying the great music and fashion, potential clients browsed through King Blue’s architectural renderings and stylish suite options now available in its South Tower. All suites are designed with modernity in mind by the team at Munge Leung and range anywhere from 400-sq.-ft. studios to 1,100-sq.-ft. threebedroom units. Seventy-five per cent of the first release is priced from the mid$200’s to the mid-$400’s, including two-bedroom suites. For more information, visit kingbluecondos.com or call 416.599.1355. Follow King Blue on Twitter @kingbluecondos

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75% OF THE FIRST RELEASE IS PRICED FROM THE MID $200,000’ TO MID $400,000’ S*

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WHO COULD ASK FOR ANYTHING MORE? CONDOMINIUMS FROM THE MID $200’S* REGISTER AT KINGBLUECONDOS.COM | 416.599.1355 Exclusive Listing: Baker Real Estate Incorporated Brokerage. Brokers Protected. *Prices and specifications are subject to change without notice. llustration is artist concept. E. & O.E.

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quick tips

replace holiday stress with

// by hellen buttigieg

holiday joy H

oliday season strikes fear in the hearts of many. Instead of visions of sugar plums we get visions of mad mall dashes, credit card bills and lots of cleaning to do. Put years past behind you and make a few simple changes. These tips will help replace the holiday stress with holiday joy.

›› Avoid gifts that clutter Give gifts that can be consumed rather than

those that take up space. Consider giving candles, gourmet food baskets, vintage wines, fresh floral arrangements, jams and jellies, etc. Gift certificates are also appreciated by those who want to streamline their homes.

Hellen Buttigieg, CPO, is a Certified Professional Organizer, life coach, TV host and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-Book on how to find more time, energy and inner peace. Contact Hellen at 905.829.2219 or info@WeOrganizeU.com

›› Clear away the ‘everyday’ For more impact and less clutter, remove your everyday decorative items from tabletops and mantles before you display your holiday decorations. You can store them temporarily in the boxes that held your decorations. ›› Under-decorate If you find it overwhelming to decorate every room of

your home for the holidays, consider a new approach. Decorate the one or two rooms you’ll use the most over the season and see how you feel. Chances are you and your family won’t miss the extra knick-knacks and you may even enjoy the holidays more because you’ll be less stressed. You will be especially appreciative when it comes time to take down the decorations and put them away.

Decorate the one or two rooms you’ll use the most over the season and see how you feel

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›› help for the host Hosting a holiday soirée this year? Don’t be a superhero – accept help. Make it a potluck. People enjoy contributing and it makes the meal more interesting. While you’re at it, consider putting your kids to work during the event or hiring students to help out. They can take coats as guests arrive, freshen up the appetizer plates and load the dishwasher. They’ll be learning valuable skills and perhaps making some extra money and you’ll be a more relaxed and joyful host! ›› avoid Mall Madness Do you get stressed when

shopping for gifts at the mall this time of year? Do the long lineups and limited parking dampen your holiday spirit? There’s still time to shop online and have your items delivered in time. Many retailers offer free shipping or other incentives this time of year. Another option is to hire a personal shopper. Some major department stores actually offer this service at no cost, so ask. ›› Make it Meaningful Connect to what the holidays are

really all about – spending time and making special memories with the people you love. Make time for doing fun things together, like baking cookies, going downtown to see the holiday lights and festive store windows, renting a favourite family movie or going skating at the local rink. An effective way to make time for these activities is to let go of the need to create the perfect home, buy the perfect gifts, and cook the perfect holiday meal. Perfection is unattainable, no matter how organized and talented you are (especially this time of year).

›› be an early bird Wrap and ship your holiday gifts to

out-of-town friends/family early to avoid rush postage costs and long lineups at the post office.

›› pick a calendar that works

Invest time in choosing the right calendar system for you. Go to an office supply store and take a few minutes to look through the options. Are you a visual person who prefers a paper-based planner or a digital person who relates to an app or a computer program? Do you like a large desk blotter-type calendar or does a pocket-sized appointment book make more sense? Which format do you prefer: day-, week-, or month-at-a-glance? Making the best decision for you now will pay off many times over the new year.

Make time for doing fun things together, like baking cookies, going downtown to see the holiday lights and festive store windows, renting a favourite family movie or going skating at the local rink

›› track your spending Consider paying by debit

instead of credit when shopping for gifts to avoid the shock of your credit card statement in January. Another option is to put all your purchases on one credit card and only use that card for gift-buying; with most cards you can track your spending by viewing the balance online.

›› guilt-free holidays Take a day to catch up on

unfinished business like fi ling, returning calls, etc. Most of these ‘loose ends’ take only a few minutes, but are put off because they don’t seem urgent. However, you still worry about getting them done, and it takes up space in your brain. Eliminate these energy leaks and you will be free to enjoy your holidays. Hire help if you need to.

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Discover the grandeur of a fantastically rich culture, that of classical China, brought to life through brilliantly choreographed dance and mesmerizing, all-original orchestral compositions. Magnificently costumed dancers—the world’s elite—move in poetic arrangements that evoke pastoral beauty, imperial drama, and the glory of an ancient civilization. This season, discover what art was meant to be. Discover Shen Yun.

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TREND SPOTTING

The next time you say “You’re worth your weight in gold,” keep in mind that gold is currently worth over $25,000 a pound.

Bringing home the

1

gold!

It’s been chrome, chrome and more chrome for the past few years and now the trend is shifting to a more refined and sophisticated accent metal. Time to bring home the gold. // BY ELISA KROVBLI T

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6

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your first home

Using your RRSP

to help make the down payment on your first home First-time homebuyers sometimes

struggle to come up with a down payment, often requiring careful planning and saving over many months or even a few years. The down payment is a lump sum you are required to contribute to your home’s purchase price. Depending on the amount, a mortgage is classified as either “conventional” (a down payment of 20 per cent or more) or “high ratio” (a down payment of less than 20 per cent requiring default insurance).

As a first-time homebuyer, you may be eligible to make a tax-free withdrawal of up to $25,000 from your RRSP; if your spouse qualifies, he or she may do the same, for a combined total of $50,000

One way to come up with a bigger down payment is by using your RRSP savings, under the federal government’s Home Buyer’s Plan (HBP). As a first-time homebuyer, you may be eligible to make a tax-free withdrawal of up to $25,000 from your RRSP; if your spouse qualifies, he or she may do the same, for a combined total of $50,000. You are required to repay your HBP withdrawal into your RRSP within a period of no more than 15 years. Although you can repay your HBP earlier, the deadline for your first minimum annual repayment is two years and 60 days after the year in which you made your HBP withdrawal. The minimum annual repayment is equal to 1/15 of your original HBP balance and if you repay at least the minimum each year, there will be no tax payable. “If you are able to provide a bigger down payment, it’s a significant way of helping you pay less interest over the life of your mortgage. Also, with a down payment of at least 20 per cent, you avoid paying mortgage default insurance,” says Laura Parsons, mortgage expert, BMO Bank of Montreal. Parsons adds that Canadians should be considering the benefits of choosing a shorter amortization as a way to decrease total interest costs and to begin building home equity sooner.

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INDUSTRY INSIDER

10 Minutes with...

CORE’S BABAK ESLAHJOU // BY JANINE DRUERY

BABAK ESLAHJOU BELIEVES “the city” is humankind’s best invention.

“Historically, we are interactive people,” says Eslahjou, principal at CORE Architects Inc. in Toronto. “People have always wanted to live concentrated together. It’s this act of living together that allows us to exchange ideas, to have art, for life to flow.” And he’s seen a lot of cities. Born in Iran and then schooled in the Europe and the US, he lived in many places before coming to Toronto to follow in his father’s footsteps and study architecture. It’s this world-vision of city life that he brings to his work at CORE, which he and fellow architects Deni Poletti and Charles Gane founded in 1994. The three principals share a design philosophy that focuses on creativity, innovation and sustainability. The firm had modest beginnings, designing small house additions, but quickly grew to become the savvy design team responsible for some of Toronto’s most fashionable addresses, including 12°, The King East, Argyle Lofts and North Beach. A large part of CORE’s success comes from having a good handle on the street-level, urban fabric of the city. They work to consider the big picture: building massing, density, traffic and parking while incorporating sustainability, greenspace and amenities that appeal to urbanites.

BABAK ESLAHJOU

“We want to make habitable downtowns,” Eslahjou says. “That is the goal.” CORE’s first condo project was 29 Camden, and since then they have worked on 53 others, from Dufferin to the DVP, Lakeshore to Bloor – or what Eslahjou calls the “core” of the city. “When we started, downtown Toronto was mostly businesses and older condos. It was hard to imagine living down here,” he says. “There has been a great influx of people into the GTA. Our office wanted to take that influx and help make the downtown livable.” This vision has led many of the

RICHMOND WEST COLLEGE STREET

city’s leading developers to CORE, including Urban Capital Property Group, The Daniels Corp. and Concord Adex Developments Corp. CORE’s portfolio also involves high-end retail, commercial space, restaurants, hotels and cinemas, but most of its work is now in the condo arena. And what a time to be in the business. Eslahjou notes that Toronto will build more towers in the next 10 years than it has in the past 100. And, no, he doesn’t believe we are overbuilding in the city. “It’s exactly what we should be doing – building our downtown,” he says. “We should be building

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SNAPSHOT

ARCHITECTURE FIRM

CORE Architects Inc. FOUNDING PRINCIPALS:

Babak Eslahjou, Deni Poletti, Charles Gane MISSION

The fi rm’s founding principals share a design philosophy that focuses on creativity, innovation and sustainability; and a business vision that is client-focused, striving to maximize efficiency while meeting schedule and budgetary constraints. TRACK RECORD

Since forming in 1994, CORE has been responsible for: the design of more than 150 condo projects; the urban-master planning for more than 200 million sq. ft. of residential development; numerous private residences, and a number of recreational facilities, restaurants, hotels, resorts, retail stores, and office environments across Canada, the U.S., and internationally.

ROOFTOP PATIO OF 12°

dense and in areas of concentration.” He notes that people from around the world are coming to look at Toronto’s downtown. “We have the best examples of highrise living here.” And don’t get him started on the suburbs. “We won’t develop in the suburbs,” he states. “We believe in dense, urban living.” Eslahjou says, “life is what happens at the bottom of the highrises,” where people know their neighbours, can catch up over a coffee and are living and playing together. And, contrary to what some think, he says highrises are not putting a strain on the city’s infrastructure. “We’ve had a suburban explosion. It’s the person out in Aurora or Vaughan or Ajax who drives or uses GO transit or highways, not the people living in the condominiums. The problem is suburbia, the problem is not downtown.” Moreover, he notes that condo dwelling is good for the planet. As building owners and developers become more conscious of Green living, CORE believes the onus is on the architect to design environmentally responsible, affordable buildings. To this end, the firm is currently working on

six projects that are pursuing LEED certification. “There is nothing more ecofriendly than a condo dweller,” says Eslahjou. “Every condo has six surfaces – four walls, a ceiling and a door – and only one is exposed to the elements. Living in a highrise is more beneficial to our city and our planet,” he adds, noting that condo owners use small amounts of energy, heating, water and electricity. “A condo dweller is a Green dweller by nature,” he notes. “So people should stop criticizing them because they are saving us from ourselves.” Yet, while he thinks we are on the right track, he still has big ideas for the Toronto of the future. If he had to choose one dream project, it would be “taking the Gardiner Expressway down, putting it underground, and healing the urban scar left behind” by redeveloping its route with housing and greenspaces. For “making Toronto’s downtown livable” has always been his passion. “Cities are what’s making Canada wealthy,” he says. “We’ve got to keep this city healthy.”

MARKET NICHE

“While we enjoy considerable success designing for hospitality, recreational, private residence, interior design, corporate and retail clients, a large percentage of the fi rm’s resources are dedicated to our development clients and their condominium projects. Our modernist design aesthetic has attracted a very specific group of developers to the fi rm who appreciate its economy of design, and functional simplicity.” CURRENT GTA PROJECTS

12°, College Street, Fashion House, Rean Drive, Th irtytwo Camden, West Donlands, The King East, Oneeleven, Richmond West, Eightyone, 401 King West, The Bond, Central Park, University Avenue, Six50king, The Hill COMPLETED GTA PROJECTS

20 Stewart, 455 Adelaide W, 533 Richmond, 66 Portland, 952 Kingston, Argyle Lofts, Concord Adex Townhomes, DIA, Garment Factory Lofts, LUNA, OneSixNine, Richmond Town Manors, Seventy5, ZED, 32 Stewart, 60 Tecumseth, Bloor Street West Lofts, Bloorwood Manor, Camden Lofts, Charlotte Lofts, Chelsea Lofts, Liberty Lofts, North Beach, Opus, Pantages, Players Club, The Greens WHY CORE?

“We’re a Green builder and practice sustainable design. Our work is both functional and aesthetically pleasing. We design for the future while respecting the needs of the present. We don’t just design buildings, we create visual statements.” AWARDS

Numerous awards, including: 2011 PUG Awards, Best New Residential - Seventy5, 75 Portland; BILD AWARD, 2010 - Best Apartment Design, Concord Adex Cityplace LUNA; BILD Award, 2008 - Best Building Design, Fashion House; BILD Award, 2008 Project of the Year Highrise, Fashion House; ARIDO 2008 Award of Merit - Cabbagetown Coach House; Pug Awards 2008 - People’s Choice Awards, Argyle Authentic Lofts; Wallpaper Magazine - 101 World’s Most Exciting New Architects, 2007; GTHBA-UDI Awards 2007 - Best Building Design, M5V Condominiums NOV 17 - DEC 1, 2012 NEW CONDO GUIDE 085

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déCor tips

Keep calm and

// BY hilarY Farr

Colour on I

ntroducing colour into your home does not have to be frightening. I understand that selecting colours for your home décor may seem like a big commitment and a daunting task. Maybe you are still haunted by a colour catastrophe you’ve made in the past. Beware: fear of failure can stop you in your tracks and leave you forever marooned on the island of BEIGE! So, take a deep breath and read on. The following tips should help you feel more confident in making your colour choices and help you on your way to designing the beautiful home you’ve always wanted. Colour and You

One of Toronto’s top home designers and co-host of W Network’s Love it or List it, Hilary Farr brings a unique sense of international design from her past. Born in Toronto, she’s lived in Australia, England, California and New York, and is now happily back home in Canada. She was one of the first designers in Toronto to “stage” properties for sale and has since watched that industry flourish. hilaryfarrdesign.com

The first thing to establish is the overall mood you want to create in your home. Colour has psychological value and can literally change your mood and the way in which you interact with your surroundings. For example, dark red can make some people feel angry and should be avoided as the main colour of a room. However, colour is an element of design that projects your personality. If red is, “you” and you love the colour, there are ways to bring it into your home without causing you to start throwing your best china at the wall in a fit of fury! Earth tones and soothing colours project peacefulness and tranquility, while dark and bold colours project drama and confidence. You can express your personality with colour and can get the best of both worlds. Choose calm earth tones in your main living areas with accents of red in the carpet, pillows or artwork. This works with any strong colour that you love and won’t overpower your space or your emotions.

Earth tones and soothing colours project peacefulness and tranquility, while dark and bold colours project drama and confidence. You can express your personality with colour and can get the best of both worlds.

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finances

Study finds many Canadians plan to

sell their homes to fund retirement Are you relying on your home to help fund

your retirement? That may be a risky move, according to a recent report issued by the BMO Retirement Institute. The report, Home Sweet Home or Retirement Nest Egg?, examined the relationship between Canadians’ readiness for retirement and their attitudes regarding home ownership. Some of the main findings are as follows: » One-third (32 per cent) believe that living comfortably in retirement is the most important financial accomplishment to achieve over a lifetime » Forty per cent are not confident they can save enough to fund their ideal retirement lifestyle, and 29 per cent anticipate having to delay their retirement or work part-time during retirement due to a shortfall in savings. » Forty-one per cent consider the equity they are building in their home as an alternative source of funding for retirement

whether to stay in their home or to sell it and downsize: Market fluctuations: The majority (87 per cent) of baby boomers

have seen their homes rise in value; nearly half report gains of 50 per cent or more. But, considering the rapidly aging Canadian population, and more people retiring and selling their houses, home prices could fall. Attitudes toward home ownership: Canadians are torn between holding on to their “castle” versus treating it as a retirement asset. According to the report, 45 per cent of homeowners do not intend to sell their home, and 34 per cent are unsure if they will sell it prior to or during retirement. Lending standards: Should they materialize, tighter lending policies and the risk of higher interest rates could reduce the number of eligible homebuyers and motivate people to buy smaller, less expensive houses. They may lead to people not buying a home at all, which could impact the housing market. Carrying mortgage and debt into retirement: Recent survey data suggests that many baby boomers are carrying mortgages or other debt into retirement. Consequently, these people may not have accumulated as much home equity as they would like and may be more vulnerable to an increase in interest rates.

“The reliance on home equity to fund retirement “If your retirement is only a few years away, it is wise to try and is no surprise, given that almost half of pay off your mortgage before you enter retirement,” says Laura Canadians say that their home is their biggest Parsons, Mortgage Expert, BMO Bank of Montreal. “On the financial asset and, on average, accounts for half other end of the spectrum, for younger Canadians entering of their total net worth,” says Marlena Pospiech, Retirement Strategist, BMO Retirement Institute. homeownership, it’s important to consider options that will ensure mortgage debt can be paid down faster and well before “While it is true that, in the past, Canadians have their retirement years.” enjoyed a stable housing market and increasing Parsons says choosing a shorter amortization and taking real estate values, there is no guarantee that this advantage of pre-payment privileges where possible is one way to trend will continue.” achieve a mortgage-free retirement. Pospiech says that as a result, individuals Canadians are advised to be cautious about relying too much shouldn’t count exclusively on their homes to on their home equity to fund retirement. Instead, BMO suggests fund their retirement and should be focused on monitoring and taking action to reduce household debts and building up their personal retirement savings.” increasing personal savings for retirement by establishing a According to the report, one-third of baby sound financial plan. Such a plan should incorporate regular boomers who intend to sell or have sold their contributions to an RRSP and creating a diversified portfolio. home will or have done so to supplement their income in retirement. But BMO says this group To view the full report, please visit: bmo.com/retirementinstitute. may face a number of challenges when deciding 088 new Condo Guide nov 17 - Dec 1, 2012

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hot topic

Home insurance:

how to safeguard your investment

Buying a home is not only exciting, it is also one of the most significant debt obligations most Canadians ever take on, and a key life event that requires a thorough review of your personal financial plan, including your insurance needs. “Buying a new home comes with many additional expenses, so it’s easy to lose sight of what is critical and what isn’t,” says Tim Bzowey, vice-president, Home and Auto, RBC Insurance. “Many new homeowners may not understand the risk of going without mortgage or home insurance, for example, but we recommend they account for these costs when reviewing their finances.”

Mortgage insurance can prevent your family from being burdened by an outstanding mortgage by paying off or reducing your mortgage balance in the event of death or disability. Here are a few tips new homebuyers should keep in mind: Assess your debts The purchase of a new home should include a full assessment of your insurance needs. Will there be sufficient income to cover loans, credit card balances and mortgages payments if you or your partner becomes ill or disabled? Protect your home Mortgage insurance can prevent your family from being burdened by an outstanding mortgage by paying off or reducing your mortgage balance in the event of death or disability. Bundle your home and auto insurance policies Purchasing your home and auto insurance policies from the same insurer may result in additional savings. Update your home insurance policy if you decide to renovate

Home renovations can significantly increase the value of your home, so it’s important to protect that investment and update your policy to reflect the current value. NC

Buying a home

Be prepared for additional costs When buying a home, it’s important to be aware of the extra expenses associated with your purchase. However, many Canadians may not be sure how much their total costs will be to settle into their new home. Here are some additional costs to consider when purchasing a home:

› Mortgage loan insurance is required if your

down payment is less than 20 per cent of the purchase price. › Home insurance is often required by your mortgage lender and provides protection against loss or damage of your property and its contents and liability claims. › Appraisal fees may be payable if the lending institution requires that your property be appraised. › Legal fees include reviewing the offer, drawing up the title deed, conducting a title search and preparing and registering the mortgage. › A home inspection could help evaluate any structural and mechanical problems with the property before you purchase. › A property survey may be required to verify the location of the property’s boundaries, measurements and structures and any registered or visible easements or encroachments on the property. For more information, visit rbcinsurance.com. NC

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décor tips

continued…

Maybe the time has come to acknowledge that you aren’t necessarily the same “you” that painted everything orange when you moved in. Your tastes have evolved and matured, and it’s time to be more sophisticated with your choices. However, if the problem is that you are stuck in a rut of “safe” colours, then express yourself and be bold and adventurous. Either way, when you want to start a whole new colour palette, start by emptying one room of your furniture and paint out any existing colours. The colours you try out won’t be influenced by your existing rugs, curtains and furniture. You will hit upon the colours that thrill you in this empty space and once you have achieved that, the rest will fall into place to create a whole new look. Once you decide to start fresh with a whole new colour palette, think about creating a connection between the rooms. This does not mean the colours should “match,” but it does mean that you must choose a colour scheme that is cohesive with the rest of your décor. Choose fabrics of differing colours and textures that incorporate various tones of your dominant colour. You can accomplish this in subtle ways;

it’s as simple as a throw over a sofa or chair. If you want to go wild and have one space that is a stand-alone colour, go for it, but choose a small space such as a powder room. Colour and Lighting

Our environment has a significant effect on how we see colour in our home. The same colour will appear different when exposed to natural light versus artificial light. Considering lighting is crucial when choosing colours and can help you avoid making costly mistakes. Be sure to consider the interaction between the colours you choose and the type of artificial lighting in the room. You should also think about the direction natural light will enter your rooms. For example, since an east-facing room receives a lot of sunlight in the morning but the light fades throughout the day, play on that change of lighting by pairing both warm and cool colours together. With west-facing rooms, that muted light in the morning will morph into a brilliant warm glow in the evening, and warm colours in these rooms can be dramatic, but overpowering. Neutrals will create a balance. Add colour with accessories. Then there is the drama of night lighting where the shadows that are cast can change the look of the room completely. Try using darker tones if the room does not get much natural light or is one you will use mostly in the evening. Whatever you decide to do in your home, don’t choose a colour scheme that is based on a trend. The most important element of success is knowing what colours make you feel good in your home. Ultimately, you hold the power to create the home that reflects who you are.

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your money

Protect yourself against

wallet gremlins According to Scotiabank, once the goblins and

ghosts of Halloween have disappeared, there are some creatures that stick around: wallet gremlins. A recent Scotiabank poll found that Canadians spend an average of $306/month on unplanned purchases and splurges (wallet gremlins). These gremlins can come in the form of a splurge on an unplanned night out, buying clothes while window shopping, or buying your lunch instead of bringing one from home. Small purchases can really add up month over month – and ultimately put a remarkable dent on savings unless you’ve planned ahead. “Planning for unplanned spending and wallet gremlins can be as easy as setting aside a gremlin fund so that you can make that impulse purchase without dipping into your savings and taking you off track from your goals,” says Ahmad Dajani, Vice President of Investments, GICs & Sales Tools at Scotiabank. With the holiday season coming up, this is the perfect time to plan ahead for wallet gremlins that arrive during the festive season. Scotiabank offers their tips for how Canadians can protect their savings: » Create a proactive strategy with a savings plan – and a gremlin fund. What do you want your future to look like? Whether you want to travel the world, buy your first home or set up your child’s college fund, the best way to reach your goals is to create a financial plan. You can keep yourself in line and the wallet gremlins at bay by developing a financial plan with short, medium and long-term goals – building in a bit of a cushion. » Make your goals measurable. If you want to create a rainy day or emergency fund on top of your other savings plan, put a plan in place to get there in a set amount of time. This way you will know if you are getting off track. » Monitor the wallet gremlins. Keep an eye on your spending. By using online banking, mobile banking

These gremlins can come in the form of a splurge on an unplanned night out, buying clothes while window shopping, or buying your lunch instead of bringing one from home and/or InfoAlerts, you’ll see an accurate picture of how much you are spending and where. If you recognize a pattern where you are spending too much at a particular store or restaurant, you can adjust and start building healthier spending habits. » Commit to protecting your savings. Effective saving isn’t something that happens overnight before a big purchase. Make your planned savings important and non-negotiable, like paying off your hydro bill or a car payment. » Get to an expert advisor. Financial advisors are trained in the best ways to protect and grow your savings. They can give you personalized advice on which savings techniques will work best for your lifestyle and spending habits. For more advice and tips on how to save, please visit scotiabank.com. NC

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condo watch

new releases & grand openings 101 Erskine by Tridel

416

Builders: If you would like to include your preview registration, new release or site opening in this feature, just email the details to susan.legge@wall2wallmedia.com

One Bloor by Great Gulf

Coming this summer. A quiet sensibility in the midst of Yonge and Eglinton. Grand opening. Web: Tridel.com/101erskine

New suite release at this coveted Yonge and Bloor condo, now under construction. Web: OneBloor.com

Avani at Metrogate by Tridel

Picasso by Monarch Corp. & The Goldman Group

New suite release at Metrogate’s newest address at Kennedy and Hwy. 401. Web: Tridel.com

Now open, an iconic building in the heart of the evolving Entertainment District. Web: MonarchGroup.net

The Bond by Lifetime Developments

Rise by Reserve Properties

New release – top five floors. Introducing The City Collection at Adelaide and John. Now open. Web: TheBond.ca

E Condos by RioCan, Bazis, Metropia

Condominium residences on the northeast corner of Yonge and Eglinton. Grand opening. Web: ECondos.com

Fuse 2 by Neudorfer Corporation

Now releasing phase two of this master- planned community in Davenport Village. Web: FuseCondos.com

Downtown living at a mid-town price. Grand opening and new release. Web: RiseCondos.com

River City 2 by Urban Capital

New release of penthouses with rooftop terraces and townhomes up to 1,877 sq. ft. Web: RiverCityToronto.com

Vivid by Pemberton Group

Grand opening continues at Pemberton’s Vivid Condominiums at Islington and Bloor. Web: VividCondos.com

Imperial Plaza by Camrost Felcorp

New suite release at Yonge and St. Clair. Book your private appointment today. Web: ImperialPlazaToronto.ca

Ivory by Plaza

Newly released Pure Platinum Penthouse Collection on Adelaide, in the heart of old-town Toronto. Web: PurePlaza.com

Life Condominiums by Chestnut Hill Homes

A stylish, 13-storey midrise at Yonge and Merton with 149 spacious suites. Now open. Web: LifeCondos.ca

The Madison by Madison Homes

Grand opening of Top Floors at Yonge and Eglinton. Web: MadisonCondos.ca

continued on page 106… 098 new Condo Guide nov 17 - Dec 1, 2012

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GTA Edition Nov 17 - Dec 1, 2012

Your complete source for condos, lofts and townhomes in Toronto

IN THIS SECTION Maps and listings for new condo communities in the 416 region Builder news and the latest in condos in the 416

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* Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

# Builder Mansouri Living 3 Concord Adex 6 Cresford Development Corp. 8 Cresford Development Corp. 21 Easton’s Group 22 Tridel Corporation 23 Tribute Communities 32 Madison Homes 37 Cresford Development Corp. 59 Lindvest 64 Lamb Development Corp. 70 Madison Homes 70 State Building Group 74 Carlyle Communities 85 Harhay Developments 99 Great Gulf Homes 104 Aspen Ridge Homes 117 Bazis Inc. 117 Metropia 117 Plaza 120 The Daniels Corporation 126 Great Gulf Homes 129 Concert Properties 131 Lanterra Developments 137 Alterra Homes/Finer Space 140 Eden Shaw 140 45 Charles Ltd. 148 Graywood/Beaverhall Development 149 Camrost - Felcorp 150 Aspen Ridge Homes 153 Urban Capital 153 Malibu Investments Inc. 153 Alit Developments 155 Lifetime Developments 179 Graywood Developments 179 Mod Developments Inc. 189 The Daniels Corporation 193 Burnac Corporation 198 Menkes Developments Inc. 200 Freed 202 Bazis Inc. 202 Rio Can 202 Metropia 206 Mod Developments Inc. 216 Tridel Corporation 218 Sonterlan 1 Goldman Group & Lash Dev. Corp. 1 Goldman Group & Lash Dev. Corp. 1 Goldman Group & Lash Dev. Corp. 3 Concord Adex 3 Concord Adex 3 Concord Adex 3 Concord Adex 3 Concord Adex 5 Onni Group of Companies 5 Onni Group of Companies 8 Cresford Development Corp. 8 Cresford Development Corp. 8 Cresford Development Corp. 9 Aspen Ridge Homes 11 Menkes Developments Inc. 11 Menkes Developments Inc. 13 Streetcar Development 14 Canalfa Group 14 Canalfa Group 15 Urbancorp Development Corporation 17 Malibu Investments Inc. *TH: Townhomes, C: Condo

100-Condo_Maps&List.indd 1

Site Telephone TH* C* Price Range Page Finder The Perry 416-926-7555 • from $390,000 117 Spectra 416-813-0999 • • 38-39 15N Merton Yonge Condominiums 416-484-1900 • from $300,000 IBC 14e NXT 2 416-977-5300 • • from $300,000 159 8N King Blue Condominiums 416-599-1355 • from $250,000 75 12N Ten York tridel.com • IFC 12F The College 416-363-4800 • from $300,000 73 M14 The Madison 416-482-8090 • from $390,000 79 14E Lofts 399 416-867-3999 • from $390,000 160 14L B Streets 416-532-6636 from $300,000 123 13J The Brant Park 416-703-7271 • from $250,000 89 14M The Upper Canada Condominium uppercanadacondo.com • from $1800,000 107 14G The Upper Canada Condominiums 416-489-5194 • from $1.8,000 107 14G Beach Hill Residences 416-422-0880 • • from $200,000 81 23J One Eleven Condominiums & Lofts 647-347-4111 • 83 13M 1 Bloor Residences 416-922-0081 • from $535,000 17 15I Seventy Seven Charles Yorkville 416-203-7034 • from $2100,000 30 14J Exhibit Definitive Residences 416-967-7778 • from $800,000 5 14i Exhibit Definitive Residences 416-967-7778 • from $800,000 5 14i Exhibit Definitive Residences 416-967-7778 • from $800,000 5 14i One Park Place 416-955-0559 • from $200,000 53 18J X2 416-927-0080 • from $303,000 28 16J 88 Scott 416-216-8588 • 67 17M Riverhouse at the Old Mill 416-766-7343 • from $500,000 29 5L Post House Condominium 416-964-2777 • from $350,000 63 16L Chaz 416-922-0045 • from $390,000 45 16J Chaz 416-922-0045 • from $390,000 45 16J The Mercer 416-597-6940 • from $250,000 115 15M Imperial Plaza 416-925-2501 • from $460,000 1 15I Studio on Richmond 647-352-7736 • from $300,000 30-31 15M Tableau Condominiums 416-591-8887 • • from $350,000 59 15L Tableau Condominiums 416-591-8887 • • from $350,000 59 15L Tableau Condominiums tableaucondos.com • • from $350,000 59 15L The Bond Condominiums 416-546-7525 • • from $300,000 Insert 15G Five Condos 416-928-0555 • • from $250,000 87 15J Five Condos 416-928-0555 • • from $250,000 87 15J Cinema Tower 416-203-2020 • from $350,000 15 14M South Hill on Madison southhillonmadison.com • from $200,000 61 13I Noir menkes.com • Insert 15M SIXTY Colborne 416-601-0060 • from $300,000 56 16L E Condos econdos.ca • from $300,000 3 14E E Condos econdos.ca • from $300,000 3 14E E Condos econdos.ca • from $300,000 3 14E Massey Tower 416-966-0197 • • from $300,000 71 16L 101 Erskine 416--480-0700 • • from $250,000 BC 14E The St Clements 416--778-7070 • • 93 21K 530 St. Clair Ave. West 530condos.com • from $344,000 12H 500 St. Clair Ave. West 416-868-0500 • from $260,000 12H the rushton rushtonliving.com • from $344,000 12H ParadeTWO Tower Residences 416-813-0999 • from $287,000 15M Grand Parade 2 at Concord CityPlace 416-813-0999 • 15M ParadeTWO Park Collection at Concord CityPlace 416-813-0999 • from $308,000 15M Quartz 416-813-0999 • • 15M Lumen 416-813-0999 • • 15N Garrison at the Yards 416-260-2600 • from $190,000 14n West Lake 416-260-2600 • from $240,000 14N NXT2/Phase Two 416-977-5300 • • from $210,000 8N Corporate 416-977-5300 • • from $300,000 8N NXT 416-977-5300 • • from $300,000 8N VU 416-970-9500 • • from $370,000 16L Pears on the Avenue 416-323-0100 • from $381,000 14I 365 Church menkes.com • 14I Trinity Lofts 416-690-2988 • from $330,000 19l Liberty on the Park Condominiums 416-537-0047 • from $363,000 12N Liberty Place 416-537-0047 • • from $170,000 12N Westside Lofts 416-516-5848 • from $180,000 12m LTD 416-601-2223 • from $310,000 14M

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

11/13/12 6:19:50 PM

#

B

18 18 19 20 22 29 29 30 41 46 52 52 52 54 55 55 57 58 62 64 66 66 66 73 73 78 81 81 83 83 85 88 94 100 101 101 102 103 103 106 106 109 109 110 114 115 115 118 120 120 122 124 126 128 130 131 132 132 133 134 135 135 136 139 141 142 143 144 144 145 145 151 151 151 152 152 153 153 154 155 156 157 160 162 163 165 170 171 173 173 175 182 182 184 185 186 187 188 188 190 191 192 195 195 197 198 200 207 208 210 215 217

Urban Urban D M M P P Tower C C C C C Times M M Lanterra G P C E E N F F E Lamb Lamb Tridel Tridel C F D Treas Lamb H P M Lifetime C C The The G P E E P The The The P Lifetime Lifetime Triangle Tridel Trib Trib Trib Trib G M C P B A M H Lamb Longo Lamb C F F Lamb N Lamb N Tre Lifetime A C E P P S S C M M S Lifetime C R P S Tofni G G C Tri M Lifetime C S G C R B C D Torbel

*TH: To C: Con


Builder

Site

15N 14e 8N 12N 12F M14 14E 14L 13J 14M 14G 14G 23J 13M 15I 14J 14i 14i 14i 18J 16J 17M 5L 16L 16J 16J 15M 15I 15M 15L 15L 15L 15G 15J 15J 14M 13I 15M 16L 14E 14E 14E 16L 14E 21K 12H 12H 12H 15M 15M 15M 15M 15N 14n 14N 8N 8N 8N 16L 14I 14I 19l 12N 12N 12m 14M

Urban Capital Urban Capital Delpark Homes Menkes Developments Inc. Monarch Corporation Pinnacle International Pinnacle International Tower Hill Development Corporation Conservatory Group Conservatory Group Cresford Development Corp. Cresford Development Corp. Cresford Development Corp. Times Developments Inc. MintoUrban Communities Inc. MintoUrban Communities Inc. Lanterra Developments Great Gulf Homes Pemberton Group Context Development Inc. E-Park Development Emsatec Canada Inc Neudorfer Corporation Freed Freed Empire Communities Lamb Development Corp. Lamb Development Corp. Tridel Corporation Tridel Corporation Carttera Fernbrook Homes/Cityzen Dev. DHD Developments Treasure Hill Homes Lamb Development Corp. Harhay Developments Plaza Menkes Developments Inc. Lifetime Developments Context Development Inc. Context Development Inc. The Brownstone Group of Companies The Brownstone Group of Companies Great Gulf Homes Plaza Empire Communities Empire Communities Pemberton Group The Daniels Corporation The Daniels Corporation The Daniels Corporation Pinnacle International Lifetime Developments Lifetime Developments Triangle West Development Tridel Corporation Tribute Urban Living Tribute Communities Tribute Communities Tribute Communities Graywood Developments Mod Developments Inc. Canderel/Stoneridge Parallax Investment Corporation BSaR Ltd Andrin Homes Matthew Kinsella Custom Homes Inc. Hyde Park Homes Lamb Development Corp. Longo Corporation Lamb Development Corp. Cityzen Fernbrook Homes Fernbrook Homes Lamb Development Corp. Niche Development Lamb Development Corp. Niche Development Tre Memovia Developments Lifetime Developments Aragon Properties Castlepoint/Cityzen/Fernbrook Enirox Group Pianosi Developments Plus Development Group Sorbara Group Streetcar Development Camrost - Felcorp Mizrahi | Khalili Developments Mizrahi | Khalili Developments Sorbara Group Lifetime Developments Centre Court Development Reserve Properties Pemberton Group Streetcar Development Tofni Developments Greenpark Homes Greenpark Homes Cresford Development Corp. Tri-Win Developments Inc MintoUrban Communities Inc. Lifetime Developments Centre Court Development Streetcar Development Great Gulf Homes Carttera Reserve Properties BSaR Ltd Castlepoint/Numa Dundee Kilmer Developments Torbel Group

River City 416-862-0505 • • from $250,000 River City 2 416-862-0505 • • from $250,000 Broadview Villas 416-429-7888 • from $490,000 Fabrik 416-591-7700 • from $250,000 Picasso on Richmond 416-495-3549 • from $280,000 Success Tower at Pinnacle Centre 416-360-0673 • from $750,000 33 Bay Residences at Pinnacle Centre 416-925-3325 • Churchill Park Condominiums 416-966-9080 • from $900,000 Infinity Condominiums 416-214-1988 • from $250,000 Milan 416-928-7409 • from $520,000 CASA 416-977-1100 • from $710,000 The Bloor St. Neighbourhood 416-977-1100 • from $600,000 CASA 2 416-977-1100 • from $250,000 The 500 Condos + Lofts 416-960-0606 • from $400,000 King West 416-367-5464 • from $210,000 775 King West 416-367-5464 • from $330,000 3018 Yonge In Lawrence Park 3018yonge.com • from $390,000 Monde mondegreatgulf.com • from $300,000 The Uptown Residences 416-987-3500 • from $950,000 King West - The Lanes contextkingwest.ca • from $250,000 Foundry Lofts 416-531-7760 from $399,000 Brownstones on the Park 416-531-7760 • from $320,000 Brownstones 416-531-7760 • from $300,000 455 Adelaide West - Fashion District Lofts 416-603-6166 • • from $280,000 Fashion House 416-366-0560 • from $250,000 Schoolhouse 416-979-1333 • from $595,000 Worklofts 416-368-5262 • from $243,000 Flatiron Lofts 416-368-5262 from $243,000 300 Front Street West 416-217-0300 • from $324,000 Reve 416-514-2710 • from $334,000 One Eleven Condominiums & Lofts oneeleven.ca • Pier 27 Waterlink 416-367-3456 • from $300,000 Condos at The Distillery 416-361-1322 • from $400,000 Block liveatblock.com • The King East 416-368-5262 • from $300,000 East Condos & Lofts 416-368-5262 • from $310,000 King West kingwestlife.com • from $346,000 Four Seasons Private Residences Toronto 416-775-7500 • from $1900,000 Four Seasons Private Residences Toronto 416-775-7500 • from $1900,000 Market Wharf 416-861-8181 • from $260,000 Library District Condominiums 416-861-8181 • from $222,000 Brownstones in Davenport Village 416-531-7760 from $245,000 Brownstones on the Park 416-531-7760 • from $260,000 Charlie 416-927-9772 • from $251,000 Ivory On Adelaide 416-862-0888 • from $279,000 Fly Condos 416-979-1333 from $310,000 Condo Living Store 416-979-1333 • U Condominiums 416-546-6605 • from $250,000 One Park West 416-955-0559 • from $406,000 Paintbox Condominiums paintboxcondos.ca • Festival Tower 416-203-2020 • from $350,000 The Pinnacle on Adelaide 416-596-1600 • X2 416-927-0080 • from $290,000 Bisha Hotel & Residences 416-637-2211 • from $300,000 Art Condos 416-535-7775 • from $230,000 Two Old Mill 416-645-7022 • from $356,000 1717 Avenue Road 416-430-1717 from $1550,000 1717 Avenue Road 416-430-1717 • from $1295,000 RCM I on University 416-363-4800 • from $393,000 Queen & Portland 416-363-4800 • from $315,000 5 St. Joseph 416-928-0555 • • from $250,000 5 St. Joseph 416-928-0555 • • from $250,000 DNA 3 416-929-1030 • from $220,000 Downtown 416-598-5088 • from $210,000 12 Degrees 416-408-1200 • from $350,000 The Berwick 416-922-9425 from $280,000 The Grove 416-824-3390 • from $840,000 Riverside Towns 416-214-2000 • from $400,000 Riverside Towns 416-214-2000 • from $400,000 KEW Beach Living 416-690-0101 • • from $350,000 KEW Beach Living 416-690-0101 • • from $350,000 Backstage on the Esplanade 416-777-2533 Backstage on the Esplanade 416-777-2533 Vero verocondos.ca from $250,000 Theatre Park 416-422-0333 • from $380,000 Theatre Park 416-422-0333 • from $490,000 King Charlotte 416-422-0333 • from $466,000 King Charlotte 416-422-0333 • from $312,000 Carmelina 416-423-8500 • from $250,000 Yorkville Condominiums 416-987-3222 • • from $550,000 Showcase showcaseliving.ca • from $210,000 L Tower 416-777-2533 • from $410,000 707 Lofts 707Lofts.com • • from $255,000 Perspective Condos 416-242-3500 from $300,000 King + Condos 416-366-5464 • from $304,000 thirtytwo Camden 416-860-0060 • from $240,000 8 Gladstone 416-690-9009 • from $250,000 Yorkville Plaza 416-966-3003 • • from $350,000 133 Hazelton Residence 416-487-9863 • Model Suite of the Month 416-487-9863 • 210 Simcoe 210simcoe.com • Karma 416-551-2744 • from $180,000 Karma 416-551-2744 • Rise 416-546-7399 • from $290,000 Neon 416-987-7878 • from $210,000 The Carlaw 416-690-8588 • from $200,000 Nero 416-792-6418 • from $300,000 Allure Condominiums allurecondos.ca • from $350,000 Allure Condominiums allurecondos.ca • from $350,000 1000 Bay 416-485-3000 • FAD Condos 416-815-1818 • from $250,000 30 Roe 416-485-2195 • from $350,000 INDX 416-987-4639 • INDX 416-987-4639 • The Carnaby 416-690-9009 • from $250,000 TUX greatgulf.com/register • from $250,000 SIXTY Colborne 416-598-7775 • from $300,000 109OZ 416-531-4844 • from $280,000 The Hill 416-408-1200 • from $260,000 The Sterling thesterling1919.com • • from $200,000 Canary District Condominiums 416-603-7576 • from $200,000 Wallace Walk wallacewalktowns.com • from $210,000

9-9554

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

100-Condo_Maps&List.indd 2

Telephone

TH* C*

Price Range

Page

Finder 18L 18L 19g 14M 14M 17m 17m 13H 16m 15I 15L 15L 15L 17I 14M 14M 14B 17M 16J 14M 9I 9I 9I 14L 14L 13i 20J 20J 15M 15M 13M 17N 18L 12K 18L 18L 13N 15I 15I 17M 17M 9j 9J 14M 17L 14M 14m 15K 18J 18J M14 15M 16J 16m 12N 5L 13D 13D 14M 15I 16J 16J 12N 15N 15L 14D 11O 19K 19K 24J 24J 17M 17M 17M 16M 16M 15L 15L 23J 15G 19K 17L 12K 4H 16L 14L M12 14H 14I 14I 15M 15K 15K 12H 14D 19K 13L 14F 14F 15J 14M 14D 16M 16M 12M 15M 16L 12M 11E 9L 18L 9L

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

torontoregionalmaps: Toronto, East York, York

# 18 18 19 20 22 29 29 30 41 46 52 52 52 54 55 55 57 58 62 64 66 66 66 73 73 78 81 81 83 83 85 88 94 100 101 101 102 103 103 106 106 109 109 110 114 115 115 118 120 120 122 124 126 128 130 131 132 132 133 134 135 135 136 139 141 142 143 144 144 145 145 151 151 151 152 152 153 153 154 155 156 157 160 162 163 165 170 171 173 173 175 182 182 184 185 186 187 188 188 190 191 192 195 195 197 198 200 207 208 210 215 217

101

11/13/12 6:19:50 PM


1

2

3

4

5

6

7

8

A

9

10

11

12

13

14

15

16

17

18

101

Steeles Ave

19

21 22

23

24

25

26

1

A

121

99

33

b

20

b

North York c

14

400

2

135

124

40 8 50 4

37

c

128

401

d

96

6

28

123

e

34

401

21

122

f

d

43

130

125

98

e

132

f 25

g

g

95

h

h * Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

torontoregionalmaps: North York

#

102

Builder

Site

Telephone

TH* C*

Price Range

Page

Finder

34 Malibu Investments Inc.

Gramercy Park Condominium Residences 416-703-2202

from $600,000

57

13E

37 Norstar Group of Companies

Portrait Condominiums

416-282-9600

from $300,000

95

13C 23G

95 Aspen Ridge Homes

Scenic on Eglinton

416-805-1781

from $190,000

31

99 The Brown Group of Companies

Willow Park at Bayview

416-221-6767

from $466,000

91

21

121 Liberty Development Corp.

World on Yonge

905-771-7010

from $290,000

36

A18

122 Lanterra Developments

Treviso Condominiums

416-787-8882

from $200,000

27

12F

123 Brandy Lane Homes

The Station

416-398-9777

from $450,000

62

12D

132 Fram Building Group/Cadillac Fairview

from $320,000

133

22F

Flaire Condos

416-445-8868

2

Torbel Group

The Avanti Condominiums

416-636-0400

from $375,000

17C

4

Tridel Corporation

Hullmark Centre

416-733-2883

from $524,000

18D

4

Tridel Corporation

Avonshire Parkside

416-730-0300

from $579,000

18D

4

Tridel Corporation

Aristo at Avonshire

416-730-0300

18D

4

Tridel Corporation

Aristo2 at Avonshire

416-730-0300

from $299,000

18D

6

Concord Adex

Tango at Concord Park Place

416-813-2999

from $236,000

22C

6

Concord Adex

Discovery at Concord Park Place

416-813-2999

22C

6

Concord Adex

Discovery II at Concord Park Place

416-813-2999

6

Concord Adex

Tango2 at Concord Park Place

8

Conservatory Group

9

Conservatory Group

from $210,000

22C

416-813-2999

from $265,000

22C

Pearl Condominiums

416-512-1818

from $200,000

17C

Platinum Towers

416-512-1818

from $340,000

18C

DivaCondo.com

11C

14 Torbel Group

Diva

21 Tridel Corporation

Argento

416-663-1818

22e

28 Tridel Corporation

Alto at Atria

416-645-8866

from $288,000

25D

33 Castle Royale Development

The Palm Condominium Residences

416-306-1000

from $400,000

17B

40 Menkes Developments Inc.

Gibson Square

416-730-9722

from $363,000

17C

43 Monarch Corporation

Ultra at Heron’s Hill

416-495-3548

from $200,000

25D

43 Monarch Corporation

Yorkland at Heron’s Hill

416-495-3548

from $300,000

25D

50 MintoUrban Communities Inc.

88

416-915-3805

from $235,000

18c

50 Devron Developments

Flo Condominiums

647-799-0356

from $250,000

18c

86 Canderel/Stoneridge

Aura At College Park

416-962-8688

from $500,000

16K

94 DHD Developments

Gooderham

416-361-1322

from $410,000

18l

96 ELAD Canada

Emerald City Condominiums

416-492-0001

from $250,000

24C

96 ELAD Canada

Dreamtower At Emerald City

416-492-0001

from $290,000

24C

101 Kantium Development

Posh Condominiums

905-771-0134

from $544,000

16A

122 Lanterra Developments

Treviso II

416-787-8882

from $200,000

12F

125 Fram Building Group

LIV Lofts

416-445-5638

from $250,000

22F

128 The Daniels Corporation

NY Place

416-221-3939

from $250,000

19C

130 Tribute Communities

Canterbury

647-352-2130

from $700,000

19F

*TH: Townhomes, C: Condo

100-Condo_Maps&List.indd 3

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

• •

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

11/13/12 6:19:52 PM

# 3 7 7 25 28 46 50 53 58 62 2 4 6 8 10 11 11 13 18 24 26 29 33 34 35 37 38 39 42 42 44 45 45 45 46 46 51 55 56 60 61 61 65 70 71

Bu Graywood Great M Da Liberty Remington Pemberton Empire Qu Royale Henderson M Conser Pemberton Lash Camrost Camrost Green M M Georgian M Empire Bea Tridel Ame City M Tridel Tridel Tridel Edilcan Edilcan Edilcan Remington Remington Alterra Tridel Phantom Yo VH VH M First Lash

*TH: To C: Con


1

2

3

4

5

6

8

20

21 22

Humberline Dr

ve nA

22C 22C 22C 17C 18C 11C 22e 25D 17B 17C 25D 25D 18c 18c 16K 18l 24C 24C 16A 12F 22F 19C 19F

9-9554

Etobicoke

409

Rathburn Rd

8

44

Scarborough

Bloor St W Dundas St W

35

50 14 51 34

Queensway

11 53 3 56 39 4 33 37 6

65

Lakeshore Blvd W

Site Telephone TH* C* Price Range Page Finder Ocean Club 416-255-4663 • from $250,000 129 25G One Sherway Condominiums 416-695-3535 • from $273,000 22-23 16G One Sherway Condominiums 416-695-3535 • from $273,000 22-23 16G Eleven Superior 416-259-8882 • from $200,000 109 24H Terrace on Danforth 416-987-7575 • 37 2F Park Towers at IQ 416-253-5838 • from $200,000 131 22G Vivid 416-239-8200 • from $260,000 8 23F Eau Du Soleil empirecommunities.com/eaudusoleil • from $220,000 6-7 26H Watermark 416-354-2221 • from $300,000 121 23H Lexington 416-638-8444 • from $240,000 113 21C Centro 416-296-1898 • from $185,000 6D Nautilus at Waterview 416-495-3544 • from $400,000 25H Altitude 416-321-1659 • from $230,000 25H Palais at Port Royal Place 416-239-8200 • from $260,000 23F Cloud 9 Condominiums cloud9condos.ca • from $250,000 22B ilofts at Mystic Pointe 416-251-8888 • from $350,000 25G California Condos 416-251-8888 • from $250,000 25g Princeton Manor 905-849-1818 from $210,000 6G Lago 416-495-3544 • from $280,000 24c Summerside mattamyhomes.com • • from $159,000 3F King’s Way at Swansea Village 416-766-4683 • from $188,000 24G Encore 416-495-3543 • from $200,000 5D Beyond The Sea Star Tower Condominiums 416-979-1333 • • from $400,000 24H Evolution 416-747-9691 • from $250,000 22G Parc Nuvo at Essex 416-231-0999 • from $398,000 22g South Beach 416-252-3000 from $209,000 25H Harmony Village Sheppard 416-493-0123 from $170,000 2C Waterscapes 416-495-3544 • from $390,000 26H Ventus at Metro Gate 416-293-5535 • from $251,000 4c Metrogate Townhomes 416-293-5535 • • from $427,000 4C West Village 416-620-1887 • from $260,000 21F One Valhalla 416-233-5554 • from $239,000 21F Thunderbird 416-233-5554 • from $240,000 21F Triumph At One Valhalla 416-233-5554 • from $230,000 21F IQ IQcondos.com • from $190,000 22G The Masters mastercondos.com • from $200,000 22G Westwood Condominiums westwoodAlterra.com • from $300,000 23F Avani At Metrogate 416-293-5535 • from $248,000 4C Jade Condominiums 416-762-8818 • from $250,000 24G Nature’s Path 416-745-6686 • • from $270,000 11E 2150 Condos 416-750-2150 • from $189,000 3E Haven On The Bluffs 416-2621-9555 • from $160,000 3E South Shore mintosouthshore.com • from $300,000 22H Qube Condos 647-351-7823 • from $200,000 24G Me 647-693-7563 • from $150,000 8D

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

100-Condo_Maps&List.indd 4

70

Gardiner Expressway Evans Ave

Horner Ave

*TH: Townhomes, C: Condo

19

45

Park Lawn

22C

40

Dixon Rd

d

18D 18D

vd

ett R Scarl

18D

Bl

Royal York Rd

17C 18D

Islington Ave

22F

Kipling Ave

12F 12D

e

Westway

d

21 A18

al

27

2A

ll R Mi

23G

10

46

Builder Graywood/Beaverhall Development Great Gulf Homes Menkes Developments Inc. Davies Smith Liberty Development Corp. Remington Group Pemberton Group Empire Communities Queenscorp Residences Royale Grand Woodbine Developments Henderson Development Limited Monarch Corporation Conservatory Group Pemberton Group Lash Group of Companies Camrost - Felcorp Camrost - Felcorp Green Hill Homes Monarch Corporation Mattamy Homes Georgian Monarch Corporation Empire Communities Beaverbrook Homes Tridel Corporation Amexon Development Corporation City Core Monarch Corporation Tridel Corporation Tridel Corporation Tridel Corporation Edilcan Development Corp. Edilcan Development Corp. Edilcan Development Corp. Remington Group/Brown Group Remington Group Alterra Homes/Finer Space Tridel Corporation Phantom Developments Your Home Developments VHL Developments Ltd. VHL Developments Ltd. MintoUrban Communities Inc. First Avenue Properties Lash Group of Companies

26

1

401

* Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

# 3 7 7 25 28 46 50 53 58 62 2 4 6 8 10 11 11 13 18 24 26 29 33 34 35 37 38 39 42 42 44 45 45 45 46 46 51 55 56 60 61 61 65 70 71

25

d

62

QEW

13E

24

nR

Martin Grove Rd

60

23

Finch Ave W

Re

h

13C

bio

23

7

Finder

Al

Ranforth Dr

Av e

19

xd

Centennial

Da nf or th

18

East Ave Port Union Rd

28

17

Beare Rd

RD

Manse Rd

Ki

16

Passmore Ave

lva

Sy

15

427 Morrish Rd

n

to

gs

n Ki

Galloway Rd

St. Clair Ave

Orton Park Rd

Bellamy Rd

McCowan Rd

Markham Rd

Lawrence Ave E

Scarborough Golf Rd

Dr rton

o

* Due to scale restrictions, locators are d approximate. Please see builder’s ads n R for 1 locations. sto exact ng

Victoria Park

g

71 Brim

Eglinton Ave E

f

29

Progress Ave

14

Sheppard Ave E Conlins Rd

2

Brimley Rd

Warden Ave

Pharmacy Rd

e

61

Birchmount Rd

d

Kennedy Rd

Ellesmere Rd

401 Midland Ave

42 55 401 31

Milner Ave

13

Meadowvale Rd

3

Sheppard Ave E

Ave

Morningside Ave

evin

McL

12 Reesor Rd

Huntingwood Dr

c

11 Sewells Rd

Finch Ave E

b

10

Neilson Rd

McNicoll Ave

9

Tapscott Rd

McCowan Rd

A

7

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

torontoregionalmaps: Scarborough, Etobicoke

103

11/13/12 6:19:53 PM


3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

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16

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Toronto Waterfront

H

H

* Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

waterfrontmaps: TORONTO

I

104

#

Builder

3

CRESFORD DEVELOPMENT CORP.

NXT at Windermere By The Lake

416-977-5300

8

CONCORD ADEX

Spectra

416-813-0999

1

PEMBERTON GROUP

Park Lake Residences

416-769-4343

from $250,000

3F

2

MONARCH CORPORATION

Nautilus at Waterview -

416-495-3544

from $400,000

5f

3

CRESFORD DEVELOPMENT CORP.

NXT2/Phase Two

416-977-5300

from $210,000

4E

6

PLAZACORP/BERKLEY COMMUNITY

West Harbour City

westharbourcity.com

from $327,000

13E

7

LIFETIME HOMES

Waterparkcity – Neptune

416-203-3700

13f

8

CONCORD ADEX

Grand Parade 2 at Concord CityPlace

416-813-0999

14F

8

CONCORD ADEX

Lumen

416-813-0999

14F

8

CONCORD ADEX

Quartz

416-813-0999

14F

8

CONCORD ADEX

ParadeTWO Tower Residences

416-813-0999

from $287,000

14F

8

CONCORD ADEX

Grand Parade at Concord CityPlace

416-813-0999

from 293,000

14F

8

CONCORD ADEX

Panorama at Concord CityPlace

416-813-0999

from $389,000

14F

8

CONCORD ADEX

Panorama Elite Suites at Concord CityPlace

416-813-0999

from $1,135,000

14F

8

CONCORD ADEX

ParadeTWO Park Collection at Concord CityPlace

416-813-0999

from $308,000

14F

8

CONCORD ADEX

Luna Vista at Concord CityPlace

416-813-0999

from $2,213,000

14F

9

CONSERVATORY GROUP

Infinity Condominiums

416-214-1988

from $250,000

14F

11

URBAN CPITAL

River City 2

416-862-0505

from $250,000

16E

14

CANALFA GROUP

Liberty Central by the Lake

416-537-0047

from $200,000

10F

14

CANALFA GROUP

Liberty on the Park Condominiums

416-537-0047

from $363,000

10F

15

MALIBU INVESTMENTS INC.

LTD

416-601-2223

from $200,000

12F

16

CAMROST FELDCORP

California Condominiums

sunsetcondos.ca

from $280,000

24C

18

FERNBROOK HOMES/CITYZEN DEV.

Pier 27 Residences On The Lake

416-367-3456

from $300,000

11F

21

GREAT GULF

Monde

mondegreatgulf.com

from $300,000

15E

*TH: Townhomes, C: Condo

Site

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

104-105-Waterfront Maps & List.indd 102

Telephone

TH* C*

Price Range from $300,000

Page

Finder

159

11F

38&39

14F

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to 416-789-9554

11/13/12 6:42:45 PM

J

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25 QU

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og

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Phillip Murr

Manvers

Page

Scugog

Finder

416-255-4663 48

from $250,000

129

25C

416-259-8882

from $200,000

109

Newcastle 23C

Rd ge id

W

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25 QUEENSCORP RESIDENCES

Watermark

416-354-2221

Whitby from $296,000 Oshawa

28 EMPIRE COMMUNITIES

Eau Du Soleil

empirecommunities.com/eaudusoleil

from $210,000

5

UNITED LANDS

Stonebrook Condominiums

905-822-8858

from $270,000

9E

8

CHESTNUT HILL DEVELOPMENT

San Francisco By The Bay

905-831-3631

from $180,000

23J

10

PEMBERTON GROUP

Bluwater Condominiums

416-987-8800

from $350,000

5J

11

MONARCH CORP.

Waterscapes

416-495-3544

from $390,000

25C

13

GREEN HILL HOMES

Princeton Manor

905-849-1818

from $210,000

6G

14

PHANTOM DEVELOPMENTS

Jade Waterfront Condos

416-251-0707

from $250,000

24G

18

MONARCH CORP.

Lago

monarchgroup.net

from $280,000

121

19D

6&7

25B

401

14F 14F 14F 14F

14F 14F 16E 10F 10F 12F 24C 11F 15E

554

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

104-105-Waterfront Maps & List.indd 103

insert

24C

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to 416-789-9554

waterfrontmaps: GTA

14F

105

11/13/12 6:42:52 PM

Ritson Rd S tS eS

TH* C*

Lake

Bloor

co

Park Rd S

Bloor St

Olive Ave

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pe

Up pe r

Park Rd S

Centre St.

Stevenson Rd

Whitby 7 Waterfront

Thornton Rd

Wentworth St

Gibb St

Lindsay

Uxbridge

Central Park

Mary St N

Adelaide Ave

King St W Bond St W

Kendalwood R

8

401

arrard Rd Garrard

Hopkins St

King 9 Adjala Eleven Superior Schomberg

Telephone

Blair St

a

48

arden St Blair SSt Garden

Cannington

East Gwillimbury Further North Waterfront

Bradford and OceanTecumseth Club Tottenham

Brock St S Henry St Gordon St

Ajax-Whitby

ew

riv

Shoal Point Rd

Georgina Island 33 cay Bob

Alliston,

400

n geo

Bayly St E

Georgina Keswick

Cochrane St

Sim

Westney Rd S

e 401

co

Pickering Beach Rd

Harwood Ave

Finley Ave

ke

La

Dundas St E

Rossland Rd

g Rd ing annin Mann M

n of Tow Town Whitby

Bv Bv

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McQuay

Du

Dryden Bv Anderson St

or

Beatrice

Brock St N

th

tN eS co Sim

Stevenson Rd

Garden St

Baldwin St S

Taunton Rd W

Rossland Rd

Townline ownline Rd

udley Rd Audley

Mara

Ritson Rd N

Conlin Rd

Country Lane

m

25

Town Oshaw

Thornton Rd

15 20 18

1

Lakeshore Blvd W

Church St E

Thickson Rd

Coronation R

ha

Village of 16 Evans Ave Gardiner Expressway Brooklin 12 1411

Horner Ave Rossland/Winchester R

Lakeridge Rd

Audley Rd

rn

8 Concession

Taunton Rd WWaterfront Etobicoke

Salem Rd

Bu

26

Baldwin St N

Royal York Rd

Park Lawn Cedarbrook T

Cochrane

St

W

W sA ve le ee St

Dr

n ee Qu

Stevenson Rd

25

Duffs Rd

24

Garrard Rd

lin rn R a to M ha th n at Av he m bu th rn e so or R d n Du pe Bl E vd Th nd Rd e as W Qu St ee E ns w ay

an ni a

u

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Br it

y7

Hw

Garrard Rd

12

Rd

Ashburn Rd

23

Queensway

Halls Rd N

9

Kingston Rd

Barrie

22

Country Lane

Lake Ridge R

d ll R

QEW

Town of Ajax 11

eD

9

Fifth Conces 12 11 9

Magill Dr

Lak

20 DAVIES SMITH

Salem Rd

Ravenscroft

93

7

21

* Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

Delaney Dr

400

20

Dundas St W

Mississauga Taunton Rd E Waterfront Orillia

Church St S

Mono

19

Brawley Rd Bloor St W

Westney Rd N

Church St N

10

Squires Beach Rd

Shelburne

14F 14F

Riverside Dr Notion Rd

GRAYWOOD DEVELOPMENTS

7

69

400

Beeton, Site

89

Rd

16 Sideline

15

13f 14F

0

Builder

Essa

18

Columbus Rd

Bracebridge

Montgomery F

Tosorontio Everett

K #

Brock Rd

D

Hwy 5

4E

Brock Rd

nt

Sandy Beach

J

90

Angus

3F

13E

Brock Rd sR Oak jor Ma Valley Farm

Rd

11F

Whites Rd

u1g0 em ou

ak

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Bu

Ro

Granite Court Waterfront Lisle

17

6 Concession

Vespra 401 Liverpool Rd

24 ingsto K

I

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27

Sunnidale Oakville

d nR

ra

27

Wasaga Beach

Sheppard Ave

th

69

Glenanna Rd

Appleview Rd

Sprduce Hill R

ne

Stroud's

7 Concession

w

Greenwood Rd

Rd

ate Highview Rd

11

Rossland Rd

Liverpool Rd

6

Li

Rd

Finder

13

16

4 Sideline R

n io at St

St

ng ill Finch hAve G

15

QEW

Tay

nR Devo

14

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400

4

a

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Fairport Rd

tti

5

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Dixie Rd

Altona Rd

m

Hine

Rd

Rd

25

No

Ind

EW

Oakville Kerr

13

Dr

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Brock Rd

e

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Br

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9

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Tr e

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illc

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Mi

Er

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lv

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20 Sideline Rd

01

6

n

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4

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2

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10 e S y Av

rc

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41


condo watch

continued…

previews & registrations The Britt by Lanterra Developments

Condos with European flair coming soon to Bay and Wellesley. Register now. Web: SunsetCondos.ca

Coming soon to the heart of Toronto, at Peter and King. Register now. Web: Menkes.com

California Condos by Camrost Felcorp

One Park Place by Daniels Corp.

Register now for the Sunset Collection at California Condos in south Etobicoke. Web: SunsetCondos.ca

Coming this spring, the “one” place to be in downtown east. Register now to stay informed. Web: DanielsOneParkPlace.com

The Carnaby by Streetcar

Sixty Colborne by Freed Developments

Coming soon to trendy Queen West – inspired by London, located in the heart of one of Toronto’s hottest neighbourhoods. Register now. Web: CarnabyLofts.com

Context King West by Context

416

Builders: If you would like to include your preview registration, new release or site opening in this feature, just email the details to susan.legge@wall2wallmedia.com

Noir Condos by Menkes

Coming soon to King West – community and design for everyone. Register now. Web: ContextKingWest.ca

Dragon Condos by Ideal Developments

Register now to enjoy “legendary living” at Dundas and Spadina. Web: DragonCondos.com

Eau Du Soleil by Empire Communities

Surfacing soon: one of Canada’s tallest and most iconic waterfront condos. Register online. Web: EauDuSoleilCondos.com

The Epicurean by Monarch Corp.

A stylish new condo for local foodies in Bloor West Village. Register now. Web: MonarchGroup.net

Fabrik by Menkes

Register now for this fashionable new condo, steps from Toronto’s trendy Fashion District. Web: Menkes.com

FAD Condominiums by Tri-Win

Fashion District Condominiums, coming soon to this trend-setting hot spot. Call: 416.815.1818

Indx Condos by Lifetime & CentreCourt Developments

Coming soon to Bay and Adelaide. Register now to stay informed. Web: IndxCondos.com

A block from everything at King Street East and Church Street. Register now. Web: SixtyColborne.com

South Hill on Madison by Burnac

Coming soon to the coveted Casa Loma neighbourhood. Register now. Web: SouthHillOnMadison.com

Tao by SigNature Communities

Boutique condos on Bayview in Richmond Hill. Register now for your private oasis. Web: TaoCondos.ca

Tux by Great Gulf

Rising 40 storeys at King and Blue Jays Way. Take the next step – register now. Web: GreatGulf.com/register

The Upper Canada Condominium by State Building Group

Coming soon, affordable luxury at Avenue Road and Lonsdale. Register now. Web: UpperCanadaCondo.com

Vivid by Pemberton Group

Affordable luxury living at Bloor and Islington. Register now. Web: VividCondos.com

Wallace Walk by Tor-Bel Group

Urban-stacked townhomes nestled in the Junction Triangle neighbourhood. Register now. Web: WallaceWalkTowns.com

Yorkville Plaza by Camrost Felcorp

Grand opening at this iconic address. Offering the best things in life right outside your door. Web: YorkvillePlaza.com

Jade Waterfront Condos by Phantom Developments

Opening this spring on the Etobicoke waterfront. Register now to stay informed. Web: JadeWaterfrontCondos.com

106 new Condo Guide nov 17 - Dec 1, 2012

098_106 condo watch 416-JD.indd 106

11/13/12 4:49:38 PM


LIFE ON A GRANDER SCALE AVENUE RD. AN D LO N S DALE RD. TO RO N TO

NEW LIMITED RELEASE – LARGER CORNER SUITE DESIGNS THE OXFORD 2 BEDROOM PLUS DEN AND GREAT ROOM + 2 BALCONIES

2,136 SQUARE FEET

S TA R T I N G

$ 1.8

FROM

MILLION

(INCLUDES 2 PARKING SPACES PLUS 1 LOCKER – ESTIMATED $100,000 VALUE)

NOW OPEN V I SI T OUR FULLY FURNI S HED M ODEL S UI T E

416-489-5194

U P P E R C A N A D A C O N D O. C O M

Exclusive Listing Brokerage: Sotheby’s International Realty/Canada. Brokers Protected. Rendering is artist’s concept. Prices and specifications are subject to change without notice. E. & O. E.

STAT-UPP-A-AD-CONDOGUIDE-OCT25-1.indd 1 107-State-Upper 11-03-12.indd 107

12-10-26 11:22 AM 11/13/12 2:30:21 PM


décor tips

Have a cheerful

Christmas in condoland Living in a condominium, townhome, or apartment shouldn’t mean that you have to forgo festive holiday decorating. Experts in this field claim that some of this year’s hottest holiday trends come in very small packages. Here, a lot of that legwork is done to help you create your very own Christmas in Condoland. Interior decorators recommend utilizing as much of your existing home décor as possible. This includes making use of your current colour scheme to achieve a festive impact. Holiday décor is no longer limited to the traditional green and red; many decorations are available in a range of colours that will match or complement your colour pallet, including neutrals, metallics and bolder tones. Brighten hanging pictures by swapping the current image with ones that capture a special holiday moment, and attach some evergreen to the top of the frame as an accent. Replace existing accent pillows, throw blankets, bathroom, kitchen and dining linens with ones that are holiday themed. As an added touch, breakout festive dishware and keep it on display throughout the season. Karen Sortino, a home organization specialist from Lowe’s Home Improvement, suggests that when dealing with a small space, consider using the parameter of your living quarters, rather than cluttering living space by adding décor items that may get in the way.

“Hanging wreaths and garlands to walls, window wells and frames is easy to accomplish, and requires no rearranging,” says Sortino. ‘Monogrammed hooks can be installed temporarily to hang stockings or wreaths to your walls and mantles, and crystals or ornaments can be dangled from ceilings using ribbon or clear fishing wire.” Despite all of these options, many people insist that putting up a Christmas tree is essential to fostering holiday spirit. Fortunately, there are many options such as miniature trees (natural or artificial), table-top trees and half-trees that sit flush against your wall; there are even peel and stick Christmas tree wall decals. For those who have extra space to spare, Sortino says that Lowe’s is selling a beautiful GE seven-ft., pre-lit Aspen Fir Pencil Tree that measures only 35’ in diameter. If you have a balcony or solarium, consider putting a tree outside and using outdoor lights. This will free up some living space, and will look beautiful when dusted with a light coating of snow. NC

108

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m fro ng 00s i t r 2 a t s w$ s ite e lo u S th

CONSTRUCTION STARTING SOON! LIMITED TIME INCENTIVES.

Limited time incentives. Call today!

1 pm - 6 pm 11 am - 4 pm

nov 17 - Dec 1, 2012 new Condo Guide 109

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ConDo PRoFiLE

ELEVEn SuPERioR

a

breaks ground

s the first condo project to break ground in Mimico by-the-Lake, Eleven Superior will usher in new era for one of Toronto’s most historic waterfront gems. “We are excited to bring this pioneering new addition to the community and for the opportunity to be an integral part of the revitalization of Mimico-bythe-Lake,” says Graham Chalmers co-owner of Davies Smith Developments. A little less than three years ago, Chalmers realized the opportunity to jump-start the revitalization of the picturesque waterfront village. Along with the City of Toronto and community partners, in 2010 Davies

Smith Developments helped bring direct access to Mimico’s waterfront and created a new community hub with the creation of Mimico Square. Soon after came the launch of Eleven Superior, a nine storey midrise condo offering 132 suites, steps from Mimico’s new square and 1.1 kilometres of uninterrupted waterfront trails. With the TTC outside its door and a quick car ride away from downtown Toronto, Eleven Superior is conveniently situated on Mimico’s pedestrian friendly main street lined with boutique coffee shops, supermarkets, sizzling restaurants and pubs. Rich in culture and history, Lakeshore Arts also sits in the

110 nEW ConDo GuiDE nov 17 - Dec 1, 2012

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All of the indoor amenity space connects to a wrap-around terrace equipped with a barbecue that overlooks the city and the water heart of the action, as a key organizer for hosting local artists and cultural events. “We designed Eleven Superior to fit with the neighbourhood’s history and charm,” says Roland Rom Colthoff, Director of RAW, who has become known for designing thoughtful boutique midrise developments across Toronto’s main streets. Designed by RAW, Eleven Superior’s exterior will feature a curved corner facade and selected brown brick and stone to elegantly blend with the surrounding streetscape. The new condo will also bring 3,885 sq. ft. of new retail space to the prime waterfront location. “We are happy to see the revitalization of such a prominent corner and are looking forward to its contribution to the vibrant street life of Mimico-bythe-Lake,” says David Pritchard, Mimico-by-theLake BIA board member and owner of Birds and Beans coffee shop located on the Lake Shore. Attracting first-time homebuyers and empty nesters from the area, as well as young professionals from downtown, suites at Eleven Superior feature floor-to-ceiling or vast windows providing magnificent views of Lake Ontario. Interiors offer engineered laminate flooring and suites are dressed in clean lines and a choice of colour palettes to

accommodate individual styles. The kitchen area boasts warm toned granite countertops and islands with modern wood cabinetry. The bathrooms, foyers and laundry areas are polished with porcelain or ceramic floors. The design is capped with an indoor rooftop amenity space that includes a fitness centre and a social lounge with a private dining area and room for entertainment. All of the indoor amenity space connects to a generous wrap-around terrace equipped with a barbecue that overlooks the city and the water. Coinciding with Eleven Superior’s recent groundbreaking, the final phase of Mimico Waterfront Park is now officially complete and open to the public. Featuring cobble beaches, sand dunes, multi-use trails and a 250 metre boardwalk, the park provides the missing link in the city’s waterfront trail system and offers additional outdoor recreation opportunities for Eleven Superior residents. Due to construction starting, Eleven Superior’s sales centre has now moved into a temporary office located on Superior Avenue just steps from 2398 Lake Shore Blvd. West. Starting from the $240’s remaining suites at Eleven Superior range from 568 sq. ft. to 1047 sq. ft. For more information or to confirm sale centre hours, call 416.259.8882, email info@elevensuperior.com or visit elevensuperior.com. nov 17 - Dec 1, 2012 new Condo Guide 111

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tech talk

// by Saxe Brickenden

Bringing theatre Home

Saxe Brickenden is a freelance technical writer and president of Evolution Home Entertainment Corp., a leading Canadian importer and distributor. He has appeared as an industry expert in dozens of radio talk shows, newspaper and national television interviews, such as The Globe & Mail’s Ellen Roseman, CTV’s The Dini Show, CKO Newsradio, CFMX-FM, Citytv’s Breakfast Television, W Network, House & Home with Lynda Reeves on HGTV, and CTV’s Canada AM.

A

re you in the mood for a great movie experience? It used to be that you had to leave the comfort and convenience of home in order to satisfy that craving. But today there are plenty of options – trouble is, how do you go about choosing the right equipment and integrating it with your décor? The choices are overwhelming and the technology so complex. Why a home theatre? Perhaps the trend toward home theatres is due to the luxury of pausing for bathroom breaks and important phone calls, or perhaps it’s just the simple pleasure of the family gathering to watch a great movie together – and being able to do it in their jammies.

But there is one other factor – the money. The average family will spend $25 each to go to the movies. For more serious movie enthusiasts or larger families, that number quickly snowballs. Add that up over the 10-year usable life of the gear, and you can buy some rather nice equipment for $30,000! You can join the James Bond set and have your own dedicated home theatre, but the trend today is toward rooms that have multiple functions. Picture yourself sitting in your living room or family room, and with the touch of a button the curtains close, the lights dim, the projector turns on, intro music plays, the large screen lights up and your room is transformed into the most comfortable cinema you’ve ever seen. How big a panel do I need? This depends on your room size. The simple rule of thumb here is the diagonal screen size should be half the distance measured from your eyes to the panel or screen when seated in your favourite chair. So, if you sit seven feet from where you have decided to mount the screen, then you should choose a 42-inch screen or larger. If you will sit more than 10 feet from the screen then you want a screen over 60 inches. When you get into sizes over 60 inches, consider a projector both for performance reasons and for the décor benefits. Obviously the larger the screen, the greater your need for higher resolutions. Definitely seek out a 1080p video display because the prices have dropped so low that it’s worthwhile. What kind of panel or projector do I want? The answer to that question depends on several factors. Plasma and LCD panels each have their strengths and weaknesses. Let’s start by clearing up the early rumors that plasma will burn out like a light bulb some day. Both plasma and LCD offerings on the market today are rated for 100,000 plus hours. To put that into perspective, you could watch TV, movies or play video games for eight hours a day, every day, for the next 34 years. Let’s look at some other relevant inherent differences. If you or other viewers will be sitting off-axis to the panel, so that a line drawn from your nose to the screen is more then 45 degrees off-centre, then plasma may have the edge. If you would like to reduce your carbon footprint, then LCD panels are significantly more energy efficient, especially in the larger sizes.

If you or other viewers will be sitting off-axis to the panel, so that a line drawn from your nose to the screen is more then 45 degrees off-centre, then plasma may have the edge. continued on page 114…

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tech talk

continued…

Next, look at how much light there is in the room during the times of day when you are going to watch TV. If you have floor-to-ceiling windows facing south and a décor that eschews any window covering (or are just a born exhibitionist) then you would be wise to opt for LCD due to their inherent anti-glare technology near direct sunlight. If you have some degree of light control or are predominantly watching TV at night, then plasma may be a better choice. In light-controlled environments where a screen over 60 inches is appropriate, consider some of the better projectors on the market. In general, DLP technology has the best balance of detail, light output, blacks that are really black, not grey, and natural skin tones.

If you would like to reduce your carbon footprint, then LCD panels are significantly more energy efficient, especially in the larger sizes.

Where to hang the panel or Screen? Five years ago,

in the early days of the flat-panel era, the habit was for people to hang their plasmas over the mantel or in the prime décor position in the room. As average panel sizes have grown, people have come to realize that a flat panel hung on the wall may just look like a dark rectangle when it’s not turned on. Many consumers have opted to go with new higher-light-output projectors and drop-down screens, so that their favourite painting is on the wall until they turn on the system. There are other clever concealing solutions for LCD and plasma flat panels. Frames are available with art that rolls up to reveal the panel when you’re ready to watch TV, and there are lifts that can raise the panel out of custom millwork or from discreet furniture. For smaller applications where picture quality is not paramount, there are ways to hide the panel behind a two-way mirror so you can watch the morning news while shaving or doing your makeup. It used to be just a TV, but today there are so many more exciting sources for your viewing: movies on DVD, movies downloaded onto computers, high-definition television programming, video games and even video off your iPod – it’s all the more reason to get out and choose the right high-quality video display that fits your world.

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TIPS AND TRICKS

Housing affordability

AND THE ONE-THIRD RULE TO MARK FINANCIAL Literacy Month,

BMO Financial Group is releasing a series of financial tips throughout November. As part of BMO’s commitment to ‘Making Money Make Sense’, the tips are designed to help individuals and families save and manage their day-to-day finances more effectively. One of the BMO Tips is of particular interest to homebuyers: Stick to the one-third rule when planning the purchase of a home. When assessing whether or not a new home is financially realistic, remember that housing costs (including mortgage payments,

utilities and taxes) should not take up more than one-third of your total household income. “If you can land safely within these parameters, then homeownership is an affordable and realistic option,” says Laura Parsons, Mortgage Expert, BMO Bank of Montreal. Parsons added that Canadians looking to buy a home should choose a shorter amortization, which will save them thousands of dollars in interest over the life of the mortgage and ensure they can begin building equity in their home faster. For those looking to buy a home, BMO suggests trying its Mortgage Calculator (bmo.com/calculators) to determine how much you can realistically afford.

When assessing whether or not a new home is financially realistic, remember that housing costs (including mortgage payments, utilities and taxes) should not take up more than one-third of your total household income

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WhAt'S NeW

whatâ&#x20AC;&#x2122;s new We follow the trends and put together this handy guide of the latest and greatest products on the market and where to ďŹ nd them.

The Pratt & Lambert colours used in this room create an open, airy and serene atmosphere. Early Morn 24-3 is the wall colour that has just enough depth to be atmospheric but still sophisticated. Supreme 23-7 is a strong, trending accent blue that is shown on the pillows and brings a punch of life to the whites and grays.

// bY SIlvANA lONGO

Get this look!

Early Morn and Supreme, The Pratt & Lambert RedSeal line starts at about $29 CDn. visit prattandlambert.com

1

Chow table $899. visit zillihome.com

2

KIvIK one-seat section $249. visit ikea.com/ca

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When it comes to armoires, which way do you go?

Are you a modern minimalist? Then the Alisa wardrobe is a seamless addition for your storage needs. It is bright, scintillating and exudes refi nement. With its clever proportions, it creates a highly stylish piece that can be placed anywhere in your décor. The white lacquer fi nish with a mirror sliding door will create much needed visual space in tight corners. $1,583, 37-IN. W bY 74-IN. h bY 22-IN. D. vISIt GAutIeR-ShOpS.COM

If you prefer character pieces with that vieux monde touch, the Versailles armoire with distressed pastel fresco panel doors may satisfy your romantic penchant for the past. The delicate tracery of the painting on the doors is magnificently faded and worn as if discovered in the cellars of a French chateau. Inside are four fi xed bevelled edge shelves fi nished in a warm cream colour.

$2,245, 53-IN. W bY 83-IN. h bY 19-IN. D. vISIt ADORNMeNtSONqueeN.COM

Like a jaunt to 1920s Paris, the Pierre burled walnut and black lacquer dresser is handsomely designed with a fl air for Art Deco glamour. Pierre features elegantly graduated drawers, beautifully curved legs, highgloss black lacquer, bone inlay hardware and is topped off with an opulent burled walnut fi nish. Th is statement-making piece is a welcome addition to the bedroom, living room or foyer. $3,750. vISIt DWellStuDIO.COM

psst! humanize your hosting skills this holiday season and be a part of a great cause. homeSense, in partnership with the Canadian Women's foundation, has launched hosting for hope — a national program that supports local women's shelters and violence prevention programs. With a $50 contribution, participants need to sign up at hostingforhope.ca and then invite your guests to the event using the website and requesting a donation to a local women's shelter in lieu of a host or hostess gift, 100 per cent of money raised goes toward helping women and children rebuild their lives. Canadian singer/songwriter jann Arden kicked off the first hosting for hope dinner party on October 24 in toronto. that's a hostess with the mostest.

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psst! Who doesn't swoon over a custom closet? If you're reimagining your storage space, check out California Closets' new showroom at 158 Davenport Road. Nestled alongside the art galleries and fashionable designer boutiques of Yorkville, you can explore the vast range of options available. California Closets' design consultants can show you detailed 3D renderings of their custom closet system designs after only an initial consultation. Open Monday to Saturday, 10 am to 6 pm.

Your Christmas tree isn't complete without a sophisticated touch from Tiffany's. An unparalleled legacy of silver craftsmanship shines in the Snowflake ornament in sterling silver. The lustre of this treasured memento deepens as the years go by. Just like a Christmas Classic...$195. Visit tiffany.com

This ideal vacation or everyday camera is shock-proof to 4.9 ft., Waterproof to 16 ft. Freeze-proof to -10째C and dust-proof. The wide angle (28mm), 5x Optical Zoom lens with water-repellent coating captures the family snowball fight or zooms in on your kids splashing around at the beach. The bright 2.7-in. LCD screen with anti-reflective coating is easy to see, even on a sunny beach. The Fujifilm XP50/XP51 has 1080p HD video for fun on the beach or on a ski hill. Edit photos and videos in the camera that you can easily upload to Facebook or Youtube with the Web Mode. Rechargeable Li-Ion battery for up to 220 photos/charge. $179.95. Visit fuji.com

Chalk up another Benjamin Moore colour coup with the introduction of a new latex chalkboard paint that is now tintable in any colour. With more than 2,500 hues, the colour choices are endless and you can use it far beyond your walls for creative expression, temporary art or for organizing as seen on this dresser. Available in quarts only, $29.99. Visit benjaminmoore.ca

For true tufting lovers, the Maxine sofa from Mitchell Gold + Bob Williams with its deep button tufting that decorate the outside is a must-have statement piece. Dressed in an ecru and pewter linen blend with contrasting welt and buttons in peacock velvet, the art of sitting has old world appeal with modern comfort. Part of the MG+BW Special Stocking Program, specially priced at $3,095. 75-in. w by 31-in. d by 32-in. h. Visit elte.com

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condo snapshot

B.STREETS

offers up new lane homes

On the east side of the nine-storey B.streets condo,

tucked into Loretto Lane, you’ll find a quaint row of six, exclusive, two-storey Lane Homes. Recently launched and just steps away from Bloor and Bathurst, B.streets by Lindvest Properties offers luxury living in the Annex neighbourhood. Each 1,267 sq. ft. Lane Home contains three bedrooms, but buyers can choose an alternate upper level layout to best suit their needs. The homes, with interiors by Cecconi Simone, feature high ceilings on each floor, giving the interior a loft-like, open atmosphere. One unique feature of Lane Home living is the private front porch outfitted with a privacy screen, latching gate, and gas connection for a barbecue. There is also a French balcony with sliding doors that opens onto a view of Loretto Lane and adds to the sense of airiness and light. The Lane Homes feature artful kitchens with customized cabinetry and a centralized island with a uniquely-designed composite quartz countertop. Built-in, energy-efficient appliances include extras like a 24” under-counter wine fridge. Cecconi Simone’s aesthetic also graces the washrooms, modern and

replete with contemporary customized cabinetry and framed mirror. Master bedrooms come with a custom-designed, built-in millwork closet system. Each Lane Home has its own private east-facing front door and a Loretto Lane address. Homeowners will enjoy its friendly engaging property frontage, tucked away from the bustle of main streets, while easily accessing the great amenities of B.streets. The exterior façade mirrors that of B.streets’ Bathurst frontage, a modernist structure designed by famed Harari Pontarini Architects, with the addition of slatted wood-look screens for a distinctive Lane Home look. Purchasers will appreciate living in a dynamic neighbourhood with historic roots, great shopping, and the subway and streetcars steps away. It is suited to those who want the space of a full-sized house with the benefits of a condo lifestyle and the ease of downtown living. The Lane Homes are available at for $739,900. For a limited time, purchasers can take advantage of the “First-Year Free of Maintenance Fee” promotion. And there is still an excellent selection of suites available at B.streets condos starting from $299,900. For more information, visit bstreetscondos.com or call the sales office to book an appointment at 416.532.6636.

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s n i w he s t t t e a e r r t a s B. e Ye h t f As! o B t H c e O j o 2 Pr 201

This must be what it feels like to win big at the Academy Awards! On September 24th, B.streets was recognized with five awards at the 2012 OHBAs in Collingwood, the Oscars of the real estate world. Our big wins included Best Ad Campaign, Best Logo, Best Brochure, Best Sales Office, and Project of the Year! We proudly share this honour with all of our supporters. There is still a great selection of incredible suites available. Book your private appointment today and make B.streets your home base. NOW UNDER CONSTRUCTION. From the low $300’s. By appointment at 385 Madison Avenue

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designer touch

// by erica gelman

entertaining, holiday-style

I

Toronto-based designer Erica Gelman, Principal of Erica Gelman House Of Design. Specializes in both large and small scale residential design projects throughout Toronto and the GTA. Known for enhancing and creating new possibilities in every space of your home. House of Design www.ericagelman.com

t’s that time of the year – friends are gathering, family is arriving, the food is cooking, the presents are stacking and you are hosting a highly anticipated holiday event. In our house, the holiday party is a not-to-miss affair; I take this season very seriously and expect nothing less from my guests. It’s the one time of the year where everyone clears their schedules and unites together. Much like interior decorating, we suggest planning your holiday décor in advance. Decorating for the holidays goes beyond just dressing your tree and hanging the lights. It also means setting your holiday table, decorating your entrance and creating a festive atmosphere around your house, especially if you are expecting guests. Prepare yourself for the amount of guests, the length of their stay and how many events you’ll be hosting. If you’re not hosting but rather attending, you still may want to make your home look and feel festive. The same principles apply to decorating your home day-to-day as they do to decorating your home for the holidays. The most important rule of design is consistency. Allow your holiday décor to reflect, in this case, a new season and embrace the spirit of the holidays.

For luxurious touches, what screams luxe more than glitzy gold or shimmering silver?

Photo courtesy of homesense

Start with a theme. Usually, I would say to stay away from any themed décor however, when it comes to the holidays I say, “Go wild!” Generally there is an excitement when it comes to the holidays and when entertaining I like to bring that excitement out in the details. For luxurious touches, what screams luxe more than glitzy gold or shimmering silver? You can add silver-rimmed wine or champagne glasses accompanied with gold leaf charge plates at the dinner table. This year, we suggest mixing your metals; you don’t just have to choose one.

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When it comes to tabletop décor, a real statement comes from adding volume and height with various vignettes Want to try a new spin on traditional hues? You can incorporate royal jewel tones like emerald green and deep amethyst with silver accents and create your own classic design. However, if it’s fresh and modern décor you’re ready to implement, try black and white punctuated with crystal accessories or gold finishes. Incorporate things that are simple with something somewhat special. It could be your grandmother’s antique china mixed in with modern flatware, or historic family ornaments decorated in new apothecary glass vases. When it comes to tabletop décor, a real statement comes from adding volume and height with various vignettes. If you want to leave your dining table strictly for tableware, then decorate around the room or on the buffet table. You can add one large centrepiece in the middle and several smaller ones around the room or across the table. While flowers are typically thought of as common centrepieces, we like to add contemporary details like birch trees cut down to size, faux antlers, lots of candles and even fur throws on dining seats. Whether it’s Christmas, Chanukah or New Year’s Eve – be sure to deck your halls, dress your mantle, accessorize your tree, and set your tabletop.

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2012

SHOPPING GUIDE

LOVE TO SHOP? Our 2012 shopping guide profiles some of the GTA’s top home and décor shops and services.

2012 ISSUE NOW AVAILABLE! Profiling a selection of the GTA’s top home & décor shops and services

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insurance needs

Whole life insurance pays off for new homeowners

Congratulations, you’ve just bought your first

condo or house. And now you’re probably up to your eyes in fees, expenses, legalities, dotted lines and the like. Despite all the formalities and stress, it’s been pretty exciting, hasn’t it? You’re a very proud owner now, with your ownership deed and home insurance policy as proof. But what would you or your family do if something happened to you? Would they be able to pay off the mortgage if you were gone? Life insurance expert Reh Bhanji from Desjardins Financial Security suggests that’s it’s a good idea to think about this at the beginning of your home-ownership. “Let’s imagine for a minute that a newly-wed couple in their 30s buys their first home. And then let’s suppose that the husband dies suddenly. Would the family be able to maintain the mortgage?” says Bhanji. “Statistically, women live longer than men, but continue to earn less compared to men. So, one possible solution is whole life insurance.” What is whole life insurance? It’s an insurance product that provides life-long coverage to the insured. In case of premature death, your family will be taken care of: The mortgage will be paid off which means the house won’t need to be sold, your children will be able to go to university and you will have peace of mind. Another benefit of whole life insurance is that the premiums remain constant throughout the entire life of

the policy, which also allows for savings accumulation. If the insured decides to cancel the policy, the savings that accumulated would be returned. This insurance can also be used as an inheritance, as beneficiaries would receive a lump sum upon the death of the insured. Who should consider this product? This product is ideal for anyone concerned with having life-long financial security. It’s an unusual insurance in that it provides you with guaranteed cash values that you can borrow. The funds can be used for renovations, vacations or anything else you choose. It can also include reduced paid up options. Can this product be combined with any other benefits or features? Yes, but of course this depends on the insurance provider and the type of whole life insurance product. Some features that may be available are:

» Death and disability » Accidental fracture » Insurance for children

To find out if this product is right for your situation, speak with your financial advisor or insurance broker. More immediate answers can be found at desjardinslifeinsurance.com. NC

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home smarts

First things first:

// By Marnie Bennett

To own or not to own?

F Marnie Bennett is a broker and the team leader of Bennett Property Shop Realty, a full premium-service five-star real estate brokerage specializing in marketing and selling new and resale homes, condos and investment real estate. Marnie is the host of the weekly radio shows, The Real Estate Hour and Business Class, a millionaire real estate investor and a real estate wealth management coach. bennettpros.com

or some first-time homebuyers, the decision comes easily. Maybe it’s been your long-held dream to own a home, and you’ve succeeded in saving enough money for a healthy down payment. Or perhaps you’re fortunate enough to have family financial support ease your entry into the housing market. For others, the decision requires careful consideration. You may have concerns about financial obligation, the responsibility of upkeep or being “tied down.” Maybe you’ve just landed your first significant job, and the idea of home ownership has only recently taken root in your imagination. Or perhaps you’ve been renting for 20 years and dread the thought of writing yet another cheque to help pay off the landlord’s mortgage – but you’re worried about biting off more than you can chew. Numerous factors will influence your decision, but I’d encourage the fence-sitters among you to consider two over-arching questions. Firstly, how strongly do you feel about owning your own home? While it’s possible to live perfectly well while renting a good space, many of us find that home ownership is important to our sense of comfort, security and identity. Certainly, there’s also a sense of satisfaction in watching your home equity (that is, the amount of the home that you own outright) increase with every mortgage payment. As a solid investment, a home is hard to beat. How many investments provide shelter and comfort to the investor up until the time of sale? Finally, there’s the big payoff – ultimately, you will own your home outright, and monthly payments will be a distant memory. That’s a luxury that renters simply don’t have. This brings us to the second, more crucial question: can you afford it? Remember, your first home needn’t be a palace. Assuming that you’re steadily employed, and don’t plan to move again shortly, the purchase of a modest condominium or house is nearly always a smart move. You may even find mortgage payments surprisingly affordable when set next to your rent. Having said that, it’s important to consider additional ownership costs: property taxes, utilities, condo fees, insurance and maintenance. I strongly suggest that you talk with a mortgage broker or bank representative for help designing a realistic home budget. I can assure you of this: if home ownership is close to your heart, you’ll find a way.

As a solid investment, a home is hard to beat. How many investments provide shelter and comfort to the investor up until the time of sale? 130 new Condo Guide novEMBER 3 - 17, 2012

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A C ELEBRATION OF

brilliant thinking

Illustrations are Artist’s Concept E.& O.E.

COMING SOON TO WEST TORONTO

A CONDOMINIUM COMMUNITY THAT IS NOTHING SHORT OF BRILLIANT! The next phase of the highly successful IQ Condominiums is coming soon to Islington and The Queensway. PARK TOWERS is a brilliant park-inspired community envisioned by the finest architects, designers, landscape architects and urban thinkers in the city. PREPARE FOR BRILLIANCE!

ARCHITECT EI RICHMOND ARCHITECT

LANDSCAPE ARCHITECT JANET ROSENBURG & ASSOCIATES

INTERIOR DESIGN BRYON PATTON & ASSOCIATES

SAL VITIELLO

JANET ROSENBURG

BRYON PATTON

Well reputed for his design leadership, Sal Vitiello, principal and senior designer at E. I. Richmond is an integral force in the Park Towers’ team.

As Principal at JRA, Janet Rosenberg infuses a creative spirit with innovative design to push the frontier of contemporary landscape architecture in North America.

For almost three decades, Bryon Patton and Associates have created novel interior spaces that have redefined the condominium experience.

SUITES FROM $200’S REGISTER NOW AT PARK TOWERSATIQ .COM OR CALL 416.253.5838 Exclusive Listing Brokerage: Baker Real Estate Incorporated. Brokers Protected. Prices and specifications are subject to change without notice. Illustration is Artist’s concept. E.&O.E.

nov 17 - Dec 1, 2012 new Condo Guide 131

IQC2 26662 Condo Guide Ad_final.indd 1

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Scrumpdillyicious

Leslie Styles, foodie and travel aficionado, shares some delicious dishes found on her travels around the world

Spinach and Ricotta Manicotti Directions Preheat oven to 375°F. In a large pot of boiling salted water, cook pasta shells according to package instructions. Drain well and arrange in a single layer on an oiled baking sheet.

my Aunt used to make her famous homemade manicotti when I was quite young. Always eagerly anticipated and quickly devoured, her baked manicotti was always a special treat. Inspired by childhood memories, I decided to make my own version using a rich cheesy spinach filling, topped with homemade tomato sauce, and a generous handful of shaved pecorino and mozzarella cheese. Manicotti, means sleeve in Italian, and is one of the oldest shapes of Italian pasta. Known for its hearty consistency, the pasta’s unique tubular shape makes it perfect for sumptuous fillings and robust, highly flavorful sauces. This easy and delicious recipe for Spinach and Ricotta Manicotti, is baked for just half an hour until it’s cooked through to bubbling golden perfection. A wonderfully heartwarming and flavourful dish, it’s delicious served with some fragrant garlic bread and lovely crisp salad. Buon appetito!

ingredients

Meanwhile, in a medium bowl, combine ricotta, 1/2 cup Parmesan, the beaten egg and spinach. Season filling with salt, pepper and nutmeg. Transfer filling to a large zip-top plastic bag, or piping bag with a circular nozzle. Twist and squeeze the bag so that the filling is in one corner. If using the plastic bag technique, snip a 3/4-inch opening in the corner of the plastic bag. Pipe filling into both ends of each pasta shell. In a shallow oven-proof baking dish, spoon a thin layer of marinara sauce to just cover the base. Arrange the stuffed shells over the sauce, side by side. Cover the shells with another layer of Marinara sauce, just covering them. Top the assembled manicotti with the remaining Parmesan and all of the Mozzarella. Bake until the sauce is bubbling and the cheese is golden brown, about 30 minutes. Let sit five minutes before serving and garnish with a basil or whole chives. Serve with some homemade garlic bread and a crisp green salad.

Serves 4

› 8 manicotti shells › 15-oz. container light ricotta cheese › 8-oz. frozen chopped spinach, thawed and drained of excess moisture › 1/2 tsp salt › 1/4 tsp black pepper

› 1/8 tsp fresh grated nutmeg › 1 large egg, beaten › 2 cups Marinara sauce (homemade or store-bought) › 1 cup grated Parmesan cheese › 1 cup grated mozzarella

Leslie Styles is president of Styles Design Inc., a Toronto-based branding and communications agency, and author of Scrumpdillyicious, a food & travel blog dedicated to all things delicious. She can be reached at stylesdesign.net and scrumpdillyicious.blogspot.com

132 new Condo Guide nov 17 - Dec 1, 2012

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SHOPS AT DON MILLS HAS A FOR URBAN LIVING

4 Cafés 1 Skating Rink

1 sleek urban residence

2,000 square feet

1 Town Square

68 retailers on-site (and counting!)

2 Grocery Stores + 35 Shops 20,000 square feet of gourmet foods

9 Restaurants PRESENTATION CENTRE NOW OPEN.

W.

LAWRENCE AVENUE E.

DO

PABST

LANE

RIE MA E ATT LAB

DON MILLS RD.

T HE

KARL FRA SER R D.

Y

A NW

E HOGG AGGI

2 celebrity chefs

Flaire North continues the fresh urban living experience in the heart of Shops at Don Mills with sleek architecture and stunning amenities. Condos from the low $300’s to $1 million

RD.

CHECK OUT THE COMPLETE SHOPS AT DON MILLS INFOGRAPHIC AT:

D. OWER R CK T CLO

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6 PABST LANE LAWRENCE AVENUE E. W.

A FLAIRE FOR LIVING WELL AT THE SHOPS AT DON MILLS CONDOMINIUMS • SHOPPING • DINING • FASHION • CAFÉS • ENTERTAINMENT • CULTURE

RIE

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DON MILLS RD.

A NW

Y

T HE

RD. D. OWER R CK T CLO

liveattheshops.com Exclusive Broker Milborne Real Estate Inc. Brokers Protected. Prices and specifications are subject to change without notice. Illustration is artist concept. E. & O.E.

nov 17 - Dec 1, 2012 new Condo Guide 133

THE DONWAY W.

AICO 26227 Condo Guide Ad FA.indd 1 133-Fram-Flaire 11-17-12.indd 133

2012-11-12 12:00 PM 11/13/12 11:17:41 AM


DESIGN PICKS

SILVANA LONGO ZIGZAGGED ACROSS TOWN FOR EVERYTHING CHEVRON Exclusive to Holt’s and designed by Missoni, the sales from the Missoni Bear and Elephant benefit OrphanAid Africa. $50 VISIT HOLTRENFEW.COM

CHEVRON CHIC

// BY SILVANA LONGO

02 01

06

03

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I couldn’t let 2012 end without giving a special nod to this huge chevron trend that has taken the décor world by storm. It is one of the most sought-after patterns and this interesting graphic statement is sure to continue into the new year. You can boldly introduce it into a room as an accent wall with some paint and carefully applied painter’s tape to create the pattern. Or if you want to show just a little chevron love, you can simply add some accents that either complement or contrast the colours in a room. Either way, it adds a pop of fun to your décor while remaining clean and sophisticated.

134 NEW CONDO GUIDE NOV 17 - DEC 1, 2012

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YOU CAN SHIMMY INTO CHEVRON and elevate plain Jane to Euro flair by adding it as a design feature to a room. As a backsplash, classic subway tiles in a chevron pattern will add visual interest to a kitchen or bathroom. Also known as herringbone, the pattern can be incorporated on your floors creating more movement and the look visually elongates the room.

Photo courtesy of IKEA

05

06

07

Bone china dinnerware, $5.99 PER PIECE. VISIT HOMESENSE.CA 02 Mrs. Godfrey chair $1,795. VISIT JONATHANADLER.COM Chevron frame, $28. VISIT ANTHROPOLOGIE.COM 04 Kite Kilim floor pouf, $249. VISIT WESTELM.COM 05 Dwell Studio chevron ash cushion, 20-in. by 20-in. 100 per cent cotton. Down feather insert included, $90. VISIT AULITFINELINENS.COM 06 Chevron two-drawer chest, fronts faced with Mother Of Pearl In Herringbone pattern $2,990. VISIT BARRYMOREFURNITURE.COM 07 Chevron custom rug, 8-ft. by 10-ft., $4,100. VISIT ELTE.COM 01

03

NOV 17 - DEC 1, 2012 NEW CONDO GUIDE 135

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condo watch

previews & registrations Allegra by Nova Trimax

Skycity Condominiums by Pemberton Group

Affordable luxury, steps from the Village of Woodbridge. Construction beginning soon. Web: AllegraCondos.com

A master-planned urban community in Richmond Hill Web: SkyCityCondos.com

Centro Square by Liberty Development

Upper Village Markham by Greenpark

A master-planned community in the heart of Woodbridge. Register now. Web: CentroSquare.ca

The Clairington by Castleridge Homes

Now registering, UV2 – the North Tower. South Tower is already 90 per cent sold and under construction. Web: UV2.com

Active adult living in a parkside condominium in Brampton. Web: TheClairingtonCondos.com

905 Builders: If you would like to include your preview registration, new release or site opening in this feature, just email the details to susan.legge@wall2wallmedia.com

Courtyards of Maple by Marino/Intercity/TriAxis

European-inspired condos coming soon to Maple. Register now to stay informed. Web: CourtyardsOfMaple.com

Fairground Lofts by Wycliffe Homes

Urban lofts are coming to Woodbridge Village. Register now for preview. Web: FairgroundLofts.ca

Grand Palace by Guizzetti Corp.

Register now for the timeless art of living! Now under construction. Web: GrandPalace.ca

Limelight by Daniels Corp.

Coming soon: The final glorious chapter of Mississauga’s beaming success story. Web: LimelightCondos.com

new releases & grand openings Garden Court Condos by Monarch

Now open in Markham. Visit the Experience Centre at 10350 Woodbine Ave. Web: MonarchGroup.net

PSV2 & Parkside Village Townhomes by Amacon Developments

Offering the convenience of downtown living with the tranquility of a suburban context. Grand opening. Web: LifeAtParkside.com

Park City Condominiums By Tobyn Park Homes

Currently in pre-construction at Walkers Line and Upper Middle Road in Burlington. Register now. Web: ParkCityLiving.ca

Pinnacle Uptown by Pinnacle International

Construction has started on Mississauga’s livework-play community. Register today. Web: PinnacleUptown.net

Rain Condominiums by Empire Communities

Coming soon to Oakville – the South Tower at Rain Condominiums. Register now. Web: RainCondos.com

136 new Condo Guide nov 17 - Dec 1, 2012

136 condo watch 905-JD.indd 136

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GTA Edition Nov 17 - Dec 1, 2012

Your complete source for condos, lofts and townhomes in the 905 region

IN THIS SECTION Maps and listings for new condo communities in the 905 region Builder news and the latest in condos in the 905

137 CG 905 Sec-JD.indd 97

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oximate.

#

Builder

Site

Telephone

TH* C*

Price Range

Page

Finder

30 Pinnacle International

Pinnacle Grand Park

905-276-3981

from $250,000

147

20L

34 Pinnacle International

Pinnacle Uptown, Crystal 2

905-568-9000

from $250,000

141

19K

39 The Daniels Corporation

Limelight

905-306-6996

from $200,000

Insert & 65

21L

45 Empire Communities

Rain Condominiums

raincondos.com

from $400,000

25

17Q

46 Mattamy Homes

The Mount Pleasant Village

mattamyhomes.com

from $200,000

43

20M

1

Pemberton Group

Miracle in Mississauga

905-603-6300

from $250,000

16M

3

Castle Group

Tuscany Gates

905-501-9557

from $340,000

20J

4

Conservatory Group

Mirage

905-232-2400

from $250,000

20K

6

Conservatory Group

Widesuites

905-897-8536

from $375,000

21K

8

Fernbrook Homes

Absolute Vision

905-803-0556

from $188,000

21k

8

Cityzen

Absolute Vision

905-803-0556

from $188,000

21K

21K

10 AMACON

The Residences at Parkside Village

lifeatparkside.com

12 Alterra Homes

Renaissance in Olde Brampton

905-454-7222

from $215,000

13d

14 Pemberton Group

Rosedale Village Golf & Country Club

905-799-5000

from $190,000

12e

18 Retirement Lifestyle Communities

Palisades on the Glen

905-820-8210

from $290,000

17M

19 United Lands

Stonebrook II

905-822-8858

22n

21 Casino Bay Dev. Corp./Toddglen

Panoramic Point at Brewery Bay

27 Inzola Group

1-866-611-5525

from $264,000

7Q

Park Place

905-451-7001

from $310,000

14G

30 Pinnacle International

Pinnacle Grand Park 2

905-276-3981

from $250,000

20L

31 Pemberton Group

Bluwater Condos

416-987-8800

from $350,000

17T

32 Armour Heights Developments

River’s Edge

905-533-2400

from $285,000

14A

35 Ashley Oaks Group

Emporium at Joshua Creek

905-618-0660

from $200,000

17P

36 Mady Development

Market Town Condominiums

705-719-1222

from $144,000

5r

38 Tridel Corporation

Metrogate - Ventus 2

416-293-5535

from $225,000

19J

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

100-Condo_Maps&List.indd 6

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

905 regionalmaps: Burlington, Brampton, Mississauga, Oakville, Further West, Further North

26

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1

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2

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8

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Centro Square Condos

46 Empire Communities

The Mark

themarkcondos.ca

Town of Markham 7 407

11 Concess ion R

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10 Concess ion R

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905regionalmaps: Maple, Thornhill, Richmond Hill, Vaughan, Markham, Ajax, Whitby, Oshawa

26

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34

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23

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44

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407

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24 1

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23

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Price Range

905-731-8302

from $272,000

Royal Gardens

905-889-9997

Allegra

905-850-6866

905-851-8877

Page

Finder 37

10F

from $229,000

37

14f

from $250,000

145

1F

35

4G

from $200,000

24

21E

monarchgroup.net

from $250,000

16D

1

Monarch Corporation

Garden Court

3

Remington Group

Downtown Markham - Rouge Bijou

905-948-9900

from $180,000

18f

4

Tridel Corporation

Renaissance of Richmond Hill

416-736-9500

from $720,000

12G

5

State Building Group

Promenade Park

905-709-3352

6

Uppercity Village

Greensborough Village

905-489-9964

7

MintoUrban Communities Inc.

WaterGarden

416-915-3800

9

Amicorp

Terraces on the Park

905-265-8739

from $410,000

10g

from $249,000

23e

from $254,000

11G

from $210,000

3f

10 Great Lands Corp.

The Beverly Hills Resort Residences

905-882-6636

from $250,000

13F

11 Triaxis Development Inc/Marino Developments

Courtyards of Maple

416-798-7070

from $390,000

8E

15 Emery Condominiums

The Essential

905-887-4888

from $250,000

20E

20 Solmar Development Corp

Bellaria Residences

905-417-8482

from $240,000

7e

22 Quadra Mgt. & Sceptre Devs.

Renaissance Court at Woodbridge Gates

905-851-4220

from $230,000

3G

22 Wycliffe Homes

Fairground Lofts

905-605-5900

from $287,000

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Ambria

905-796-3630

from $340,000

3F

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San Francisco by the Bay

905-831-3631

from $180,000

22C

31 Pemberton Group

Miracle at Yonge

905-709-5700

from $280,000

12F

31 Pemberton Group

Sky City

905-709-5700

from $300,000

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TAO Boutique Condos

905-597-2535

from $200,000

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68 Main Street

905-305-0822

from $250,000

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905-948-9900

from $200,000

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Vista Parc Condominiums

905-850-8883

3F

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The Upper Village

905-554-6501

from $288,000

21E

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Grand Palace

905-907-4370

12E

45 Kylemore Communities

The 6th Angus Glen

905-887-9950

19E

41 Quadcam Development Group Inc

*TH: Townhomes, C: Condo

100-Condo_Maps&List.indd 7

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

from $455,000

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

11/13/12 6:20:07 PM


on sale now

2

residences from the mid $200’s Gaze into our crystal… The future is arriving faster than you think. With the inaugural groundbreaking for Crystal 1 and 2, it’s time to envision October 2014 when the many benefits and pleasures of living in the heart of Mississauga’s live-work-play Pinnacle Uptown community becomes all yours.

construction has started

PinnacleUptown.Com presentation centre located at 5044 hurontario street & eglinton, mississauga (905) 568.9000 monday – friday: 1-7pm weekends & holidays: 12-6pm

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CONDO PROFILE

Art and design unite at

t

ARTHOUSE CONDOS IN MARKHAM

here’s always a challenge in the arts to raise funds, so when a benefactor like Flato Developments comes forward there is no doubt that the show will go on. Flato Markham Theatre has experienced this type of philanthropy firsthand. A supporter of the arts, Flato Developments is a strong believer in giving back to the community. “Markham is quickly becoming one of the GTA’s fastest growing cultural hotspots. We wanted to support the growing arts community,” says Shakir Rehmatullah, President of Flato Developments. “We had the opportunity to become the naming sponsor of the Markham Theatre and it made sense. The best plays, musicals, bands, comedians – you name it,

come to the Flato Markham Theatre. Their high standards and ours were a perfect fit!” As newcomers to the country, his family chose to settle in the Markham area to build a life and a business. Today, their good fortune is shared with the community. “We live and work here,” Rehmatullah explains. “I’m proud to live in my own subdivision where my neighbours are my clients.” And while Flato Developments continues to pay it forward with its generosity to the Flato Markham Theatre, it continues to pursue its own craft and homebuilding goals. ArtHouse in Markham is its latest project — another perfect partnership of homebuilding and the arts.

142 NEW CONDO GUIDE NOV 17 - DEC 1, 2012

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ArtHouse is where art lovers live. Located on Main Street Markham near 16th Avenue, ArtHouse will be home to fabulous, artist-inspired amenities including an art gallery, art studio, etc. This is where residents can hone their skills, or just appreciate or be inspired by the skills of others. ArtHouse will be a destination — a gallery, studio and conservatory where you live. Even if the arts haven’t been at the forefront of your life, ArtHouse will change all that. “We were inspired to create a different kind of condo experience right down to the bricks and mortar,” says Rehmatullah. “Designed by renowned architects Page & Steele, ArtHouse is unlike anything in the Markham area. This is where art and design come together in a Flato lifestyle.” With approximately 200 condo suites, ArtHouse is within walking distance of Main Street Markham. The GO Station is right across the street so downtown Toronto is only 30 minutes away. There will be a park in its midst and woodlots at its border with many suites enjoying these views. The building will endeavour to follow LEED Silver guidelines, trying to establish itself

LIKE THE CREATIVITY FOUND WITHIN THE ARTS, FLATO STRIVES TO CREATE RESIDENTIAL PROJECTS STEPS ABOVE AND BEYOND THE NORM.

as a “green” building in terms of construction means and materials, sustainability, water and energy efficiency and indoor environmental quality. At a winter preview to be announced, a model suite will be revealed to showcase the high level of finishes that will be offered as standard features. Construction will begin in the near future. Like the creativity found within the arts, Flato strives to create residential projects steps above and beyond the norm. Flato Developments is a recognized developer and builder of residential communities across the GTA, as well as being construction manager for prime retail and commercial space. As recently as 2011, Flato was named the Builders’ Excellence Award winner by the city of Markham. “Our success is built on unmatched quality, impeccable craftsmanship and timely delivery,” says Rehmatullah. Whether it’s building residential communities, commercial or retail space, we have one aim – to ensure that every project is an unqualified success and every house becomes a cherished home for each family living there. When we build, we’re not just looking at today or tomorrow – we’re looking at a future ahead with a reputation that will remain as strong as our projects.” Giving back is something they do. Creative is something they are. Flato’s ArtHouse is where you want to be. Upgrade to a Flato lifestyle by registering at flatogroup.com. NOV 17 - DEC 1, 2012 NEW CONDO GUIDE 143

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11/13/12 4:52:46 PM


GTA’S EXCITING FREE MONTHLY HOME DESIGN MAGAZINE Featuring the newest products and hottest design trends for your home, inside and out.

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DARE TO COMPARE!

C STA ONS RT TRU ED C on TIO PH N AS E1

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nov 17 - Dec 1, 2012 new Condo Guide 145

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make your move

// by dan hopkins

TO PACK or not to pack . . .

Dan Hopkins is Chief Operating Officer, Two Men and a Truck Canada. twomenandatruck.ca

jostling their items will endure on the various highways and other roadways on their trip to their new home or business. Accessories such as lamps may seem to be packed well, but may shift inside the carton and break or chip as a result. Professional packers have the experience to know exactly what is best for various categories of items, depending on the size and distance of the move, and they pack accordingly. They can also provide excellent advice on how to mark your boxes for ease of unpacking, and on the items to pack last and unpack first. Having your mover do the packing offers you the peace of mind in knowing that if the unexpected happens, your possessions will be repaired or replaced. The DIY Packer

M

oving is a very personal thing and people who hire moving companies ask for varying levels of service. Take packing, for example. Some people want to pack their own items, while others prefer a turn-key solution where the mover does it all. There are, of course, advantages to each approach, so it is important to choose what’s best for you. The Professional Packer

Most who choose to pack themselves do so because it saves money on the move. That is true only if the items make it from Point A to Point B in one piece. Moving companies will not be responsible for items damaged because of poor packing. The most critical element in packing is taking into consideration how far and long the items will remain in the boxes and containers during transit. Consumers often underestimate just how much

Trained packing professionals help clients with as much or as little of the packing and unpacking as required. Those who are willing and capable of packing themselves need to consider the proper materials and containers that will help to ensure a successful move. There are also significant considerations to keep in mind, such as not packing explosive or flammable items in the general boxes. Although you can obtain boxes from places like grocery stores, check with your mover, who may sell proper packing materials that will save you work and worry. Some of the items you will need are tape dispensers, newsprint, markers, pads and bubble wrap – and there are many sizes and strengths of boxes available. There is a 1.5 cubic-foot box that is often referred to as a book or record box. It’s fairly small and is designed to hold small, heavy items like food jars or cans, flatware, CDs, etc. The next size up is a lamp or lampshade box, which is three cubic feet in size. The sizes go up from there, to 4.5 and six cubic feet for lighter objects such as pillows and stuffed animals. These are just some of the moving materials that are available today. Whether you choose to pack your own items or have your mover do it, be sure you choose a company with a solid track record for providing top-notch service.

Most who choose to pack themselves do so because it saves money on the move. That is true only if the items make it from Point A to Point B in one piece. Moving companies will not be responsible for items damaged because of poor packing.

146 new Condo Guide nov 17 - Dec 1, 2012

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THANK YOU FOR YOUR OVERWHELMING RESPONSE TO OUR PREVIEW REGISTRATION PROGRAM

PINNACLE GRAND PARK THE M

ID

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ON SALE NOW Unveiling Pinnacle Grand Park 2, the encore presentation architecturally complimenting the inaugural tower and fortifying its place

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SMART SHOPPER

SMART SHOPPER

Exclusive discounts and deals for our readers 1 DOWN UNDER BEDDING Down Under’s 25th anniversary sale has our best selling memory foam mattress, Eloquence on sale now until Dec 15th. It comes vacuumed packed for easy takeaway in most cars. Twin regular $499.99, sale $299.99, Double regular $599.99, sale $389.99 Queen regular $649.99, sale $399.99. King $899.99, sale $599.99. TORONTO | 416.598.2184 MISSISSAUGA | 905.624.5854 MARKHAM | 905.201.9496 DOWNUNDERBEDDING.COM FOR MORE INFORMATION

1 2 K-WOOD KITCHENS Getting organized never looked so stylish. Now with a special offer from K-Wood Kitchens, you can install sliding closet doors size starting from $500. If you are the DIY type, they can be yours starting from only $300, size 36-in. by 96-in. Available in mirror, wooden panels, glass and laminated glass. These are all made of real glass. As for patterned glass, these are available but must be custom-made please inquire for cost. Hardware included. Offer valid from Nov. 17 to Dec. 15, 2012. 36 CONTINENTAL PLACE, SCARBOROUGH, ON 416.332.0381 | KWOODKITCHENS.COM

3

2 2 4 A SPECIAL PLACE This ‘Circles’ chrome lamp will help you update any room in your home. Whether you use them in a living room or a pair in the bedroom, they will set a tone and ambiance you will love. Regularly priced at $299, now on sale for $179 each until November 30. 1280 CASTLEFIELD AVENUE, TORONTO, ON 416.481.2077 | 1755 PICKERING PKWY, 18, 905.428.6317 VISIT ASPECIALPLACE.CA

3 FURNITURETORONTO

3

Not only new at FurnitureToronto.com, but on sale. These colourful side tables with a metal C-shaped frame and six mm glass top are available for only $129, regular price $179. 12-in. w by 16-in.d by 22-in. h. 700 KIPLING AVENUE, TORONTO, ON 416.503.0009 | FURNITURETORONTO.COM

148 NEW CONDO GUIDE NOV 17 - DEC 1, 2012

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4

4 X-TILE CANADA Changing up your floors is a breeze with X-Tile’s Easy, Habitat, Serena and Touch series that now come in 17 beautiful colours. This contemporary and versatile look will give the impression you spent a lot more than you did on your flooring. At $1.99 a square foot, this is X-Tiles’ best deal to date! Valid from November 17 to December 14. 78 SIGNET DRIVE, UNIT 6, TORONTO | 416.749.7111 OR 563 QUEENSWAY EAST, MISSISSAUGA | 905.949.8453 VISIT X-TILE.NET FOR SHOWROOM HOURS

5

6 CHOICE LEATHER

5 SELECTIVE CERAMICS

Create the leather sofa you want with 50 different colour choices to choose from. The customization continues with the legs that can be metal or wooden and the cushions can be one or two pieces, plain or tufted. Only four to five week delivery time thanks to this Canadian-made product. Prices range between $2,500 and $3,000 depending on size and leather grade.

Perfect for a contemporary or transitional look, these one by twoinch mini-brick stainless steel tiles will look sleek and stylish in your space. Save 10 per cent from November 17 - December 15. 3550 LANGSTAFF ROAD, WOODBRIDGE 905.850.0222 | SELECTIVECERAMICS.COM

490 NORFINCH DRIVE, TORONTO 416.781.0107 | CHOICELEATHER.COM

6

NOV 17 - DEC 1, 2012 NEW CONDO GUIDE 149

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homebuyersâ&#x20AC;&#x2122; help

condo buyersâ&#x20AC;&#x2122;

resource section

You love the condo, see what you can afford! Compare mortgage rates for your best deal Calculate your mortgage payments using the mortgage payment calculation chart

nov 17 - Dec 1, 2012 new Condo Guide 153

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homebuyers’ help

Calculate your mortgage payments interest rate

amortization period

chart figure

mortgage amount ÷ 1,000

monthly payment

example: 5%

25 years

5.82

125 (mortgage amount $125,000)

$

Follow these steps to see if you’ll qualify for a mortgage on your dream condo 01 Calculate the combined monthly before-tax income of you and your spouse. 02 Divide by three. This figure is the monthly payment you can afford to make on your condo. 03 Take the total price of the condo and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.

04 Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.) 05 Multiply this figure by the amount you need to borrow. Divide by 1,000.

06 Add to this your estimated monthly heating costs and monthly property taxes. 07 If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream condo.

Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

154 new Condo Guide nov 17 - Dec 1, 2012

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Mortgage payment calculation chart amortization periods

% Interest Rates

10 years

15 years

20 years

25 years

3.00%

9.65

6.90

5.54

4.73

3.25%

9.76

7.02

5.66

4.86

3.50%

9.88

7.14

5.79

4.99

3.75%

9.99

7.26

5.91

5.13

4.00%

10.11

7.38

6.04

5.26

4.25%

10.23

7.50

6.17

5.40

4.50%

10.34

7.63

6.30

5.53

4.75%

10.46

7.75

6.44

5.67

5.00%

10.58

7.88

6.57

5.82

5.25%

10.70

8.01

6.74

5.96

5.50%

10.82

8.14

6.85

6.10

5.75%

10.94

8.27

6.98

6.25

6.00%

11.07

8.40

7.12

6.40

6.25%

11.19

8.53

7.26

6.55

6.50%

11.31

8.66

7.41

6.70

6.75%

11.43

8.80

7.55

6.85

7.00%

11.56

8.93

7.69

7.00

7.25%

11.68

9.07

7.84

7.16

7.50%

11.81

9.21

7.99

7.32

7.75%

11.94

9.34

8.14

7.47

8.00%

12.06

9.48

8.28

7.63

8.25%

12.19

9.62

8.44

7.79

8.50%

12.32

9.76

8.59

7.95

8.75%

12.45

9.90

8.74

8.12

9.00%

12.58

10.05

8.86

8.28

9.25%

12.71

10.19

9.05

8.45

9.50%

12.84

10.33

9.20

8.62

9.75%

12.97

10.48

9.36

8.78

10.00%

13.10

10.63

9.52

8.95

10.25%

13.24

10.77

9.68

9.12

10.50%

13.37

10.92

9.84

9.29

10.75%

13.50

11.06

10.00

9.46

11.00%

13.64

11.22

10.16

9.63

11.25%

13.77

11.36

10.32

9.80

11.50%

13.91

11.52

10.49

9.97

11.75%

14.04

11.66

10.65

10.15

12.00%

14.18

11.82

10.81

10.32

12.25%

14.32

11.97

10.98

10.49

12.50%

14.46

12.13

11.15

10.67

12.75%

14.59

12.28

11.31

10.85

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 nov 17 - Dec 1, 2012 new Condo Guide 155

153-155_157 HomebuyersResource-JD.indd 155

11/13/12 4:53:08 PM


homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

156 new Condo Guide nov 17 - Dec 1, 2012

156-HomeTrader Destination.indd 156

11/13/12 11:49:52 AM


homebuyers’ help 3.69 3.24

Compare mortgage rates for your best deal

3.09 CHARTERED BANKS 3.99

Variable

6 Months

1 Year

2 years

3 years

4 years

5 years

ATB Financial 3

4 6.30op

3.1 6.30op

3.14 3.7 4.39 6.50op

3.69

Alterna Svgs/Alterna Bk 3

4 6.30op

3.05 3.09 3.09 3.29 6.30op

3.24

Bank of Montreal 3.1

4 6.30op

3.1 3.14 3.7 4.64 6.30op

3.09

Bank of Nova Scotia 3.1

4.55 6.45op

3.65 2.69 2.79 4.39 6.50op

3.99

Canadian Western Bank

4 6.45op

3.1 3.14 3.85 4.64 6.30op

5.24

3.79

CIBC 3.2 6.70op

3.1 3.29 3.65 4.39 6.35op

5.24

3.2

HSBC Bank Canada 3

2.7 3.95 2.98 4.99 6.35op

3.49

3.24

ICICI Bank Canada

3.05

3.15

3.65

3.64

3.69

3.44

3.99

ING Direct

3

3.25

3.25

3.25

3.25

3.19

3.34

Laurentian Bank n/a

3.1 3.35 3.85 3.64 6.30op

3.79

Manulife Bank 3 4.45

3 3.1 3.15 3.15 4.00op

2.95

MonCana Bank

3.24

3.34

3.24

National Bank n/a

3.1 3.14 3.7 4.64 6.30op

3.99

5.24 5.24 3.49 3.44 3.19

5.24

5.24

4.45 6.20op

4.4 6.70op

4 6.70op

3.24

President’s Choice Finan

5.24 5.1

Royal Bank 3.2

3.19

TD Canada Trust 3.2

5.24

TRUST COMPANIES AGF Trust

3.99

Community Trust Effort Trust

n/a

3.49 3.2 3.19 3.24

3.1 4 6.30op

3.34

3.2

3.29

3.24

3.3

3.34

3.1 3.14 3.04 4.64 6.30op

5.24

3 6.30op

3.14

3.7

3.49

5.24

n/a

2.99

3.2

3.6

3.69

3.24

n/a

4.45

3.1

3.35

3.95

4.64

5.24

4.45

3.45

3.8

4

4.6

5.1

6.30op

6.30op

Home Trust Company

3.2

3.95

2.99

3.1

3.19

3.25

3.19

Investors Group Trust

n/a

4

3.1

3.14

3.7

4.64

5.24

6.50op

6.30op

MTCC 3.1

4.55 6.45op

3.65 6.50op

2.69

2.79

4.39

3.99

3.25

3.29

3.09

3.49

OTHER FINANCIAL INSTITUTIONS

5.24

Airline Financial C.U. 4

2.99 6.25op

5.24

Comtech Credit Union 2.85

6.6 8.40op

2.94 3.25 3.29 3.19 9.00op

3.2

3.28

First National Fin. LP

3.95

2.74

3.19

3.09 3.19 3.24 3.29 6.34op

3.24

3.5

FirstOntario C.U. 2.79 6.34op London Life n/a

3.1 3.14 3.7 4.64 6.30op

5.24

MCAP 2.9

3.6 3.95 4.35 4.89 6.30op

5.24

Meridian Credit Union 2.85 4.45

3.1 3.35 4.05 3.4 6.30op

3.28

3.1 3.49

4 6.50op

2.69

3.1

3.15

Parama Credit Union

2.9

3

3.15

3.25

3.2

3.5

Steinbach Credit Union

2.5

2.5

2.6

2.8

2.9

3.1

3.19 6.50op

3.35

3.69

3.39

3.49

4 Teachers Credit Union

4.45 6.30op

Notes **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice. R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE Nov. 5, 2012. Prepared By Fiscal Agents Financial Information Services 905.844.7700

nov 17 - Dec 1, 2012 new Condo Guide 157

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index of advertisers 45 Charles Ltd. - Chaz

45

Lindvest - B Streets

Alit Developments - Tableau Condominiums

59

Luxury Condo & Hotel Residences - Promo

Alterra Homes/Finer Space - Post House Condominium

63

Madison Homes - The Madison

Aspen Ridge Homes - Scenic on Eglinton

31

Aspen Ridge Homes - Seventy Seven Charles Yorkville

30

Aspen Ridge Homes - Studio on Richmond

30-31

Bazis Inc. - E Condos

3

Bazis Inc. - Exhibit Definitive Residences

5

Beaverbrook Homes - Evolution Brandy Lane Homes - The Station Burnac Corporation - South Hill on Madison Camrost - Felcorp - Imperial Plaza Carlyle Communities - Beach Hill Residences Concert Properties - 88 Scott Concord Adex - Spectra

127

4 79 107

Malibu Investments Inc. - Gramercy Park Condominium Residences 57 Malibu Investments Inc. - Tableau Condominiums Mansouri Living - The Perry Mattamy Homes - The Mount Pleasant Village

59 117 43

62

Menkes Developments Inc. - Corporate

Insert

61

Menkes Developments Inc. - Noir

Insert

Menkes Developments Inc. - One Sherway Condominiums

22-23

1 81

Metropia - E Condos

3

67

Metropia - Exhibit Definitive Residences

5

38-39

Mod Developments Inc. - Five Condos

87

Mod Developments Inc. - Massey Tower

71

Cresford Development Corp. - Lofts 399

160

Cresford Development Corp. - Merton Yonge Condominiums

IBC

Cresford Development Corp. - NXT 2

159

Davies Smith - Eleven Superior

109

Eastonâ&#x20AC;&#x2122;s Group - King Blue Condominiums

75

Eden Shaw - Chaz

45

Empire Communities - Eau Du Soleil

Madison Homes - The Upper Canada Condominium

123

6-7

Monarch Corporation - The Epicurean Norstar Group of Companies - Portrait Condominiums Nova Trimax - Allegra Pemberton Group - Corporate Pemberton Group - Vivid

Insert 95 145 9 & 10 8

Empire Communities - Rain Condominiums

25

Pinnacle International - Pinnacle Grand Park

147

Empire Communities - The Mark

24

Pinnacle International - Pinnacle Uptown, Crystal 2

141

Fram Building Group/Cadillac Fairview - Flaire Condos

133

Freed - SIXTY Colborne

56

Graywood Developments - Five Condos

87

Graywood/Beaverhall Development - Ocean Club

129

Graywood/Beaverhall Development - The Mercer

115

Great Gulf Homes - 1 Bloor Residences Great Gulf Homes - Model Suite of the Month Great Gulf Homes - One Sherway Condominiums

17 152 22-23

Plaza - Exhibit Definitive Residences Plaza Premium Lounge - Promo

90

Queenscorp Residences - Watermark

121

Remington Group - Park Towers at IQ

131

Rio Can - E Condos Royale Grand Woodbine Developments - Lexington Shen Yun Show 2013 - Promo

Great Gulf Homes - X2

28

Shopping Guide - Promo

Harhay Developments - One Eleven Condominiums & Lofts

83

Sonterlan - The St Clements

Home Decor & Renovations - Promo

5

3 113 78 126 93

144

State Building Group - The Upper Canada Condominiums

107

Lamb Development Corp. - The Brant Park

89

The Brown Group of Companies - Willow Park at Bayview

91

Lanterra Developments - Riverhouse at the Old Mill

29

The Daniels Corporation - Cinema Tower

15

Lanterra Developments - The Britt

19

The Daniels Corporation - First Home Phase 2

51

Lanterra Developments - Treviso Condominiums

27

Liberty Development Corp. - Centro Square Condos

35

Liberty Development Corp. - Royal Gardens

37

Liberty Development Corp. - Terrace on Danforth

37

Liberty Development Corp. - The Fountains

37

Liberty Development Corp. - World on Yonge

36

The Daniels Corporation - Limelight

Insert & 65

The Daniels Corporation - One Park Place

53

Tribute Communities - The College

73

Tridel Corporation - 101 Erskine

BC

Tridel Corporation - Ten York

IFC

Lifetime Developments - Corporate

Insert

Triumphal Developments Inc. - Howard Park

97

Lifetime Developments - The Bond Condominiums

Insert

Urban Capital - Tableau Condominiums

59

158 new Condo Guide nov 17 - Dec 1, 2012

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11/13/12 6:20:21 PM


AT LAST, 3 NEW MODEL SUITES THAT YOU CAN MOVE RIGHT INTO. There’s only a few more suites remaining at NXT and they must be sold. So we’ve created 3 new, fabulously decorated model suites with lake views. You can purchase one of these at our end-of-the-line special prices or pick out another plan that suits you better for a price that’s somewhat less. The choice is yours. Don’t miss out.

OPEN HOUSE.

MONDAY TO THURSDAY: NOON - 7 PM SATURDAY, SUNDAY & HOLIDAYS: NOON - 5 PM SORRY WE’RE CLOSED FRIDAYS

REMAINING SUITES PRICED FROM THE $300’s MODEL SUITES SHOWING AT 103 THE QUEENSWAY [AT WINDERMERE] 416.977.5300 NXTCONDOS.COM

Prices and specifications subject to change without notice. E. & O. E. Illustration is artist’s impression. Brokers protected with introduction.

11-0604_NXT_CG_FP_JUNE4.indd 1

5/26/11 4:00:12 PM

159-Cresford-NXT 09-10-11.indd 159

11/12/12 7:06:33 PM


399 10’ ceiling lofts REASONS TO LIVE HERE

tiff after parties

FA RESTO LOUNGES FAVE oysters at rodneys World-class film premieres POOL AAT THE CHARLOTTE ROOM

Finding nirv nirvana ana aatt Hammam Spa Fridayy cockt Frida cocktails ails aatt BIEr Markt move in this winter KinG And sPAdinA neiGhBourhood CAMDEN ST. ADELAIDE ST. W

SPADINA AVE.

well under construction

RICHMOND ST. W N

BRANT ST.

from the $300’s

PRESENTATION CENTRE 19 BRANT STREET SUITE 103 T.416.867.3999 LOFTS399.COM Mon.-Thurs. 12-7pm Closed Friday Saturday & Sunday 12-5pm

KING ST. W

399A 26495 Condo Guide Ad_CR1.indd 1

15/10/12 12:22 PM

160-Cresford-399Lofts 10-20-12.indd 168

11/12/12 7:06:35 PM


Life. Between the lake and stars. A Tridel Built Green. Built for Life.® community. Illustrations are artist’s concept only. Building and view not to scale. Tridel®, Tridel Built for Life®, Tridel Built Green. Built for Life.® are registered trademarks of Tridel and used under license. ©Tridel 2012. All rights reserved. E.&O.E. November 2012.


NOW AVAILABLE exTENd your horizons at York & Harbour

PRESENTATION CENTRE

4800 DUFFERIN STREET ENTRANCE ‘B’ NORTH YORK North of Finch

TEN YORK captivates your imagination. This statuesque beauty soars dramatically up from a triangular-shaped wedge alongside Toronto’s waterfront – easily the most prominent location in downtown Toronto. Poised on the defining edge of the city’s South Financial Core and overlooking Lake Ontario, TEN YORK is steps to everything. This waterfront icon is surrounded by the city’s best restaurants, entertainment and shopping, as well as conveniently close to The PATH, subway, GO Trains, Union Station and the Toronto Island Airport. TEN YORK residents have the city at their feet and the world at their doorstep.

CONTACT US

PHONE 416.596.9888 WEB TRIDEL.COM TenYork@tridel.com

Toronto’s most anticipated condominium launch. PRESENTATION CENTRE HOURS: Monday to Friday 11am – 7pm Saturday, Sunday & Holidays 12pm – 6pm Facebook.com/Tridel

Twitter.com/Tridel

tridel.com


EXPOSE YOURSELF! Expose yourself to the best views in Toronto. At MYC this is what you see and what you get is equally fabulous. Drop by our Presentation Centre today and expose yourself to a brilliant new lifestyle.

INTRODUCING 3 NEW FLOORS!

MERTON YONGE CONDOMINIUMS

MERTON YONGE CONDOMINIUMS

EGLINTON

N

YONGE

HILLSDALE

TTC SUBWAY

PRESENTATION CENTRE DAVISVILLE MERTON SITE

NOW OVER 70% SOLD AND UNDER CONSTRUCTION. Condominiums from the $300,000’s MYC Presentation Centre, 2111 Yonge Street (at Hillsdale) Mon-Thurs 12-7pm. Closed Fri. Sat, Sun & Holidays 12-5pm. 416.484.1900 myccondo.com Prices subject to change without notice. E. & O. E. Illustration is artist’s impression. Creative: la-ads.com


DESIGNED FOR MODERN LIVING

Discover a quiet sensibility in the midst of Yonge & Eglinton.

Lobby

Rooftop Terrace Infinity Pool PRICES STARTING

SUITES FROM THE MID 200’S* TOWNHOMES FROM $1.295M* Parking Available

NEW PRESENTATION CENTRE

2611 YONGE STREET AT SHELDRAKE AVENUE

Following the extraordinary success of the elegant Republic condominium, Tridel introduces 101 Erskine. In one of the most coveted areas of the city, discover residences with uncompromising finishes and distinctively modern styling. Come home to an impeccably designed lobby, exercise in our state of the art fitness centre and yoga sanctuary, or relax by the exquisite rooftop infinity pool. Suites range from elegant studios to graceful two-bedroom plus den designs, or choose one of our distinctive townhomes. Mere steps from the energy of midtown Yonge and Eglinton, life at 101 Erskine is certain to appeal to your senses.

North of Eglinton CONTACT US

PHONE 416.480.0700 WEB TRIDEL.COM

NOW OPEN: Monday to Thursday 11am – 7pm Friday Closed Saturday & Sunday 12 noon – 6pm

101erskine@tridel.com *Prices and specifications are subject to change without notice. Illustrations are artist’s concept only. Building and view not to scale. Tridel® , Tridel Built for Life®, Tridel Built Green. Built for Life. ® are registered trademarks of Tridel and used under license. © Tridel 2012. All rights reserved. E.&O.E. November 2012.

Facebook.com/Tridel Twitter.com/Tridel

tridel.com


GTA New Condo Guide - November 17, 2012