GTA New Home Guide - January 5, 2013

January 5 - 19, 2013 Volume 21 Issue 01

INSIDE THIS ISSUE

EXPLORING YOUR MORTGAGE OPTIONS

LOOK AT THE BOTTOM LINE BEFORE YOU SIGN

STAGE YOUR EXISTING HOME FOR MAXIMUM PROFIT

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NOW OPEN

© Aspen Ridge Homes. Prices and specifications are subject to change. See sales representative for details. All Rights Reserved. E.&O.E. December 2012. 19361

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contents january 5 - 19, 2013

||

page 80

Trendspotting: Mugged

volume 21 issue 01

cover story

p. 32 ballantry homes Spring Valley Village in Brampton – where nature meets the city

24

36

community focus features 24 brampton Fieldgate Homes

Grand opening – new designs in a new location at Valleylands 36 huntsville

Skyline International Developments

Construction now underway on Deerhurst Golf Cottages 82 mono

Brookfield Homes

82

Find your dream home at Brookfield Homes’ Fieldstone

38

14 20

30

regular and special features in every issue

4 10 38 94

editor’s note contributors hot dates ad index

34

BILD Report

Why are there so many condos under construction?

by Bryan Tuckey

22 Legally Speaking

Not every lawyer is a real estate lawyer

by Jayson Schwarz

30

taxing issues

20 style file

by Hugh Heron

28 colour of the year

Look at the bottom line before you sign on the dotted line

64 the mortgage minute

Is a variable rate mortgage right for you?

columnists

16

industry outlook

by Peter Kinch

68

home smarts

How to stage your existing home for maximum profit

by Marnie Bennett

96 fundamentally speaking

Learning about mortgages is time well spent

by Wayne Karl

Captial expenditures and deductible expenses

homebuyers’ help

by Henry Choo Chong

14 mortgage options

Explore your options before signing for a mortgage

The coffee table

by Yanic Simard

Emerald City

by Silvana Longo

44 quick tips

Resolve to get organized in 2013

46 smart shopper

Exclusive discounts and deals for our readers 80 trendspotting Mugged

by Elisa Krovblit

87 resource section

Mortgage Calculator and Rate Table

91 GTA Hot Sheet

Two pages of new openings, new releases and preview registrations

editor’snote

New home experience

Make wise choices and enjoy the process

W

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

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

If you’ve always fantasized about buying a brand new home, here are a few tips that can help you make the process a pleasant one: ›› Shop the mortgage market to see what you can afford before you start your hunt; ›› Obtain a lawyer who is willing to review your offer as well as help you close the home; ›› Don’t be persuaded by high pressure sales tactics while you’re out shopping; ›› Determine which options and upgrades you want as part of your offer and ensure your lender will finance what’s required, if needed; ›› To save money, consider which upgrades you could purchase and install yourself after the sale closes. Some upgrades such as rough-ins and wiring inside the walls are easier to do before construction.

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

We hope you enjoy this issue of New Home Guide. Let us know what you think!

We’d love to hear from you.

Susan Legge Editor-in-chief Wall2Wall Media,Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

Like us on Facebook. Search: New Home Guide

Resolve to plan carefully in 2013

Still-low rates provide homebuyers with an opportunity to buy, but not at any cost

T

he last couple months of 2012 were certainly interesting – simultaneous talk of slowdowns and soft landings in some markets, increases, upticks and value gains in others. Indeed, now more than ever, housing and economic conditions serve as reminders of how local real estate is. What’s going on in one part of the country or province or in a specific property type, may be completely different from another.

On the positive side are interest rates that are still at or near historic lows, with the next Bank of Canada rate announcement to come Jan. 23. Many experts don’t expect rates to begin rising until mid-year at least, while cautioning that Canadians should not confuse cheap money – if they qualify – with free money. The BoC continually keeps a close eye on household debt and other signposts for any warnings we’re taking on more debt than we should.

Your best strategy as a prospective homebuyer? Meet with your broker or banker to see how you can take advantage of these opportunities, without getting in over your head.

Wayne Karl Editor Wall2Wall Media, wayne.karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl

4 New home guide GTA | january 5 - 19, 2013

Like us on Facebook. Search: New Home Guide

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THE

PRESERVE OAKVILLE

The Preserve Is Our Tribute To Oakville Living.

8 New home guide GTA | january 5 - 19, 2013

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Downtown Oakville

Oakville is our home. It’s where we started in 1978 and now we invite you to make Oakville your home as we present The Preserve.

The streets of The Preserve will present a collection of high style homes offering the very best in contemporary living. You’ll find well appointed Village Homes, distinctive Rear Lane Townhomes and a full selection of 34', 38', 45' and 50' Detached Homes.

The Preserve will offer many parks and village squares that provide a small town, friendly atmosphere. There is an old growth forest in The Preserve. Ponds and a landscaped channel will add to the serenity. Families will enjoy inspirational walks with spectacular views.

We invite you to experience our high watermark community, The Preserve in Oakville.

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Village Home, The Clearwing, Elev. ‘E’, 1,135 Sq.Ft., $374,990

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Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

9

New home guide

contributors

vice-president, wall2wall Media

Jacqueline Hill

Sales Manager New Home guide GTA, new condo guide, home décor & renovations

Conni Robinson

associate publisher, NEW home & condo guide SWO, lifestyle communities

Susan Maxwell

editor-in-chief, National real estate

Susan Legge Editor

Wayne Karl art director

Julie Yoo BILD Report

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

Taxing Issues

Henry Choo Chong, CGA

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. Send your tax questions via email to Taxing Issues at: choochonghcga@ yahoo.ca

Legally Speaking

Jayson Schwarz, Schwarz Law Barristers and Solicitors

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

industry outlook

Hugh Heron

Heathwood Homes

Hugh Heron is principal and partner in the Heron Group of Companies and president of Heathwood Homes, as well as a former member of the board of directors of Canada Mortgage and Housing Corp., and a past president of the Toronto Home Builders’ Association and the Ontario Home Builders’ Association.

contributing Editors

Janine Druery, Elisa Krovblit, Silvana Longo, Lydia McNutt (on leave), Sara Duck (on leave) senior account executive Nina Downs nina.downs@wall2wallmedia.com senior account executive

Dionne Fraser dionne.fraser@wall2wallmedia.com Sales & marketing co-ordinator

Terry Bassett

distribution & sales co-ordinator

Jennifer Bistron

administrative assistant

Antoinette Jackson production Manager

Bala Gnanapandithan production co-ordinator

Sandra Hanak-Vujnovic graphic designers

Alexander Yakubovich, Sandra Hanak-Vujnovic National Account Manager, Mediative

Paul Slizys

Published by

Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

the mortgage minute

Peter Kinch Peter is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at peter@peterkinch. com

home smarts

Marnie Bennett 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, condominiums 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

10 New home guide GTA | january 5 - 19, 2013

style file

Yanic Simard Yanic is design editor of New Home Guide sister publication New Condo Guide and principal designer of Toronto Interior Design Group. Yanic often applies his signature high/low and old/ new combination techniques in developing his unique designs. He has created designs for clients in Toronto, Montreal and Miami, and appears as a regular guest expert on Citytv’s CityLine.

Visit tidg.ca for more information.

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

Advertising 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.

Circulation

Copyright 2013 All rights reserved by New Home Guide,

Toronto, Ontario, Canada. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

Terms Advertisers,

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

Editorial Submissions from interested parties will be considered. Please submit to the editor at Susan.Legge@wall2wallmedia.com.

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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12 New home guide GTA | january 5 - 19, 2013

january 5 - 19, 2013 | New home guide GTA 13

mortgageoptions

Explore the options before you sign your next mortgage renewal

When it’s time to renew your mortgage, sharpening your focus and thinking about your future could help put thousands of dollars in your pocket. Too often, Canadians receive their renewal notice and sign on the dotted line without weighing their options. Don’t be swayed by the convenience. By doing your homework, you’ll likely be one step closer to being mortgage-free.

Chances are your circumstances have changed from when you obtained your first mortgage. Whether it’s a change in your job or family situation, renewal time is a great opportunity to re-evaluate your needs and the mortgage that would work best for you. In most provinces when you renew your mortgage, you are simply starting the mortgage from scratch. The existing mortgage is closed and a new mortgage with new terms and rates is set up.

Typically, the process starts when your lender sends you a mortgage renewal statement about 30 to 45 days before your current mortgage matures.

At that point, you will have to make an important decision about your future mortgage. Will it be based on signing the renewal notice and returning it to your financial institution, or will you take the time to meet with your lender face-to-face? If you make the wrong choice it could be a costly mistake. Since most lenders want to 14 New home guide GTA | january 5 - 19, 2013

keep your business, meeting with them could help you secure a reduced interest rate and a better term. The renewal letter from your lender may not give you the best rates available. In fact, these are often higher than the lender’s lowest rate. Negotiating a rate and other privileges can strengthen your financial position over a period of time. If your lender is not willing to do this, you are not obliged to renew your mortgage with them.

Understanding Your Options 01 If you can afford it, pay down on the existing mortgage before signing the new deal. It can save you a lot of interest over the life of the mortgage.

02 Banks are often willing to negotiate rates and terms, but are restricted by the products they have. On the other hand, mortgage brokers deal directly with the mortgage underwriting department from most financial institutions and can look for the lowest interest rate on your behalf. Whether you choose to deal with a bank or a mortgage broker, both aim to find you a mortgage based on your needs.

03 The new mortgage should be tailored to your specific needs and not to the latest headlines in the financial section of the newspaper or on television. Interest rates can rise and fall like a roller-coaster and are hard to predict over long time frames.

04 Northwood Mortgage recommends that if the renewal rate is lower than your previous rate and you are still comfortable with making these payments, keep the payments the same at the lower rate. By doing this, you will reduce the amortization period of your mortgage.

05 There is a variety of mortgage types available for homeowners and choosing the right one can be confusing.

Lenders will offer you terms ranging If you can afford it, pay 07 Renovations are from short-term open to longer-term a great way to indown on the existing closed and locked-in rates. Centum the value of mortgage before sign- crease Pacific Mortgages suggests that if you your home, but ing the new deal. It can these projects are plan to sell your home soon, a shortsave you a lot of inter- usually expensive. term mortgage or one with flexible est over the life of the You can make this terms will help you avoid penalty mortgage. charges before the mortgage comes type of project afto an end. fordable by adding Making more money? Try shorta line of credit to ening the term of the mortgage by paying bigger lump your mortgage, using existing equity or sums each month. This strategy not only cuts the repay- keeping your mortgage payments low. ment period, it also saves you interest in the long term and pays down your mortgage faster. Although it increas- 08 Refinancing your mortgage is es your monthly mortgage payment and raises your month- something you may want to consider ly expenses, it’s a great option for those who are finan- during mortgage renewal time. Reficially sound, planning an extended leave or working toward nancing frees up cash you may need early retirement. for the unexpected. If you choose to Apart from making larger payments, you can also refinance, Centum Pacific Mortgages change the frequency of your mortgage payment from says you must pay out the mortgage monthly to biweekly or weekly installments, which will in full and arrange a new mortgage save you a bundle in the long run. with the same or a new lender. HowIf your budget is tight, choosing a long-term mortgage ever, you will be expected to pay extra with a lower, fixed-interest rate may be a better option. fees such as appraisal, legal and othA three-, four- or five-year term is considered a long-term er costs, as it is considered a brand mortgage. And even though the rates are higher than a new mortgage. short-term mortgage, it can help you manage your budget accordingly.

Becoming mortgage-free requires some planning. Taking a fresh look 06 You can increase or decrease the amortization period at your future and staying on top of of your mortgage, which can range up to 30 years. If you your renewals will not only help you are looking to minimize your monthly payment, a longer get the best deal, it will also help repayment period is perfect. If you are looking to pay off you enjoy the benefits of home ownyour mortgage faster, a shorter amortization period is the ership sooner. way to go.

january 5 - 19, 2013 | New home guide GTA 15

bildreport

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).

number of homes under construction is because homes in a condominium building can take three to five years to move through the process until built out to completion.

The shift in housing type is evident not just by looking at the skyline, but by looking at the sales figures over the last decade.

Ten years ago, 75 per cent of the new homes sold in the GTA were ground-related and 25 per cent were highrise homes. Last year, 62 per cent of new homes sold were highrise and 38 per cent were ground-related.

From an economic perspective, that’s something we should all be proud of because

by Bryan Tuckey it means jobs. Each project represents about 200 to 500 jobs for four to 10 years.

Instead of negative headlines, we should I was perplexed by the headlines last week after the also be celebrating the fact that 88 per cent release of the Bank of Canada’s report, Financial System Review. This of the highrise homes under construction comprehensive 63-page report looked at a wide range of issues such as across the GTA right now are sold and will challenges across the global market, interest rate projections and Cana- be occupied by new homeowners soon. dian household finances and the housing market. When a multi-faceted Sounding the alarm on a robust conreport like this is released, we all have to work together to better under- dominium market that provides homes to stand the very dynamic and complex housing market, especially in the first-time homebuyers, small families, GTA. I’m going to try and provide some context and clarity. down-sizing baby-boomers and renters is First, some context: every year, 100,000 people choose the GTA as their not helpful. home. That’s equivalent to the city of St. John, NB moving here year after A deeper look reveals that provincial year. To provide homes for this growing population, our industry meets the land-use policy has caused an imbalance challenge of building about 40,000 homes annually to meet the demand. in housing type by constraining land supply This year, we are expecting to sell about 35,000 new homes in total and recent changes to mortgage regulations and that’s in line with our projections. The majority of the new homes by the federal government have already sold this year were highrise homes, and what we’re experiencing in the eroded consumer confidence. new home market is different than what we’ve experienced in the past.

We need to wake up to the real stories: The change is a direct result of provincial public policy that has encour- Toronto has a successful condo market that aged intensification in existing communities and constrained land supply is the envy of most North American cities, in the regions surrounding the city of Toronto. and choice and affordability in the groundTherein lies one of the major missing facts from last week’s coverage related housing market are disappearing. of the Bank of Canada’s report, which correctly states that “the total These are the stories that need to be told. number of housing units under construction has been increasing and is now well above its historical average relative to the population.”

Find the Financial Systems Review report Ten years ago, the majority of homes sold and constructed were on the Bank of Canada’s website at lowrise, and now they are highrise. The reason there is an increasing bankofcanada.ca

Why are there so many condos under construction?

16 New home guide GTA | january 5 - 19, 2013

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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18 New home guide GTA | january 5 - 19, 2013

19

stylefile

The coffee table

by Yanic Simard

coffee table might be the way to do it. I’ve narrowed down landing place for all, and the centre of attention: it’s the the vast selection of tables to my top seven picks: coffee table.

I did a segment on CityLine recently about various 1. WASHED WOOD & METAL RECTANGLE coffee tables – sizes, shapes, finishes and how to acces- If you’re looking for durability and practicality, this is my sorize them. We kept the same living room set through- number one choice. The typical size of a rectangular cofout the segment, and swapped out only the coffee table fee table is approximately 56-by-31-by-17 in., making it and it’s accent pieces, creating many different looks. the perfect size for displaying several groupings of items Everyone was so surprised at how different the room such as collectables. For added storage space, or the perlooked each time. fect spot for magazines and books, look for this type of If you want to give your space a whole new look, a table with bottom shelf that hovers just off the floor.

IT’S A NECESSITY FOR ANY FAMILY ROOM, the

20 New home guide GTA | january 5 - 19, 2013

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

2. ODD-SHAPED GLASS COFFEE TABLE

5. GROUPING OF STOOLS

Transparent finishes such as glass are sometimes all a Combining two to six of the same or different stools tospace needs to make it feel more open and airy. This clas- gether to create one coffee table is a look I really love. sic Noguchi-inspired table’s irregular shape adds interest This idea is great for small spaces where you might not and character to a typical furniture setting. Pairing this have the room to bring in a full-size coffee table and, again, coffee table with a sectional sofa looks phenomenal. Ac- functionality wins big here because it can be moved cessorize this with opaque items at varying heights, keep- around the room or even from room to room. No accesing the items toward the centre point of the surface. sories are needed for this style of table.

3. THREE-PIECE OVAL/RECTANGLE COCKTAIL TABLE

I love this classic three-piece table because it’s so functional. Those who entertain favour it because they can use the two demi-lune ends as side tables which allows for more spread out landing areas for drinks and snacks. The shape and style of these tables are so pronounced that no accessories are needed – it stands alone beautifully.

4. OVERSIZED SQUARE UPHOLSTERED OTTOMAN

Comfort and cosiness is instantly injected into a room when you bring in a large ottoman covered in fabric or leather. Another family favourite, this piece is versatile because it also functions as extra seating. To accessorize, simply look at the top of the ottoman as a grid divided into four sections, and accessorize each section individually (for example, 1. stacked books, 2. pillow/throw, 3. bowl/vase, 4. tray).

6. LOW, FAUX STONE COFFEE TABLE

Bringing in a piece like this is completely unexpected which is why it works so well in any décor. The look is more natural and less refined, and it helps in visually weighing down a space that lacks balance (but it’s not actually heavy at all). A lower coffee table is in need of accessories that have height, such as a globe, a stack of books, and an orchid flower.

7. ROUND, WOOD TABLE

I’ve found that this traditional table is an all-time favourite among almost everyone. What’s not to like about the smooth and soft curves and the classy finish? Pair this classic-style table with a modern sofa for a sophisticated, designer-worthy look.

If you want to give your space a whole new look, a coffee table might be the way to do it

january 5 - 19, 2013 | New home guide GTA 21

legallyspeaking

Not every lawyer is a real estate lawyer

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

Who is making the referral? Is the referral coming from a real estate agent, a mortgage broker or a bank? This is not necessarily bad, but you have to be careful.

Quite often, lawyers develop relationships with various groups over the years and receive referrals because they do a great job. On the other hand, ensure that your lawyer is independent and will represent your interests even if it puts him/her into an adversarial position with one of those parties. This is quite important, so make Not all lawyers are created equal. If you needed a sure you get comfortable with this issue heart surgeon, you certainly would not go to see a podiatrist. By the same before you hire someone. token, lawyers generally have expertise in one area greater than another.

Now to bring this back to the original Do not believe that the ­granting of a law degree instantly bestows knowl- idea, what you need to understand is that edge of all laws on the head of a lawyer. there are general law practitioners just The first thing you need to do to find a lawyer is the same thing you like there are family doctors. What this ought to be doing to find a home – research! Where do you look? Start means is that a lawyer may have a widewith media and look in magazines (editor’s note – you already have your ranging practice composed of many areas. issue of New Home Guide, so you’re off to a good start!), newspapers, The smart lawyer who falls into this catlisten to radio, watch real estate television. Generally speaking, the egory knows that if there is a serious issue lawyers who appear in public, speaking or writing that arises outside about real estate, are thought to be experts in the of their expertise area. Go to seminars and listen to the speakers. they should bring ...so make sure you get Generally, if a lawyer is taking the time to parin a specialist, just comfortable with this issue like your family ticipate in a seminar, he/she knows what he/she before you hire someone. is talking about and is happy to take on new clients doctor would. The that come out of those seminars. bad lawyers try to Next, go online and check out the websites of do it all. The different real estate lawyers. Look to see whether they give good, infor- general practitioner can probably handle mative advice; whether they give you pricing; and whether they make your real estate deal just fine, but make you feel comfortable. sure he/she understands any complicated Call the Law Society of Upper Canada, Lawyer Referral Service, offers and that he/she reviews them carewhich can be found in the telephone book. This service keeps lists of fully, pointing out any problems. Ensure lawyers and refers requesting members of the public to lawyers who that he/she knows what can be negotipractice in the area requested. This just gets you someone in the area. ated and what cannot, or you may lose You really need to check them out when referred. your deal.

Speak to friends who have used a lawyer for the type of service you Remember, your lawyer is a very imrequire and ensure they did the job professionally, courteously and for portant part of the process, so take your the price quoted. time and find the right one.

by Jayson Schwarz

22 New home guide GTA | january 5 - 19, 2013

BUYING, SELLING OR REFINANCING A HOME?

YOU NEED A LAWYER Quality legal services at the right price* Konstantine Chatzidimos

Helping YOU make your home buying dream a reality

BRAMPTON office

10 Wilkinson Rd. Unit 22 Brampton, Ontario L6T 5B1

905.455.5777

Toll Free: 1. 888.609.8888 Fax 905.452.8135

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Jayson Schwarz

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1984 Yonge St.,Toronto, Ontario M4S 1Z7

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23

communityfocus

fieldgate homes

Valleylands

GRAND OPENING New designs in a new location at

Valleylands in Brampton location Brampton housing type Townhomes from $385,990; 28-ft. linked singles from $409,990 and singles on 38-, 41-, 50-, 60- and 70-ft. lots from $529,990 contact 905.457.0445 fieldgatehomes.com

W

hen driving along Chinguacousy Road in southwest Brampton, one gets the feeling that they’re in the midst of a very special community. It’s a place where the valleys of the Credit River offer a breathtaking outdoor playground of lush green parkland. It is within this remarkable setting that esteemed builder Fieldgate Homes has announced an exciting Grand Opening for the new location of its popular family community, Valleylands on Chinguacousy.

The southwest corner of Queen St. West and Chinguacousy Rd. is the site of the all-new location for this latest release at Valleylands. This new release features new designs in 28-ft. linked singles that range from 1,657 to 1,915 sq. ft. and 45-ft. luxury singles that range from 2,640 to 3,310 sq. ft.

These latest offerings are in addition to the exceptional collection of townhomes and 38-, 41-, 50- 60- and 70-ft. singles still available at the original Valleylands location nearby. With towns starting from $385,990, linked singles C O N T I N U E D on p a g e 2 6 . . .

45-ft. York, 3,310 sq. ft.

24 New home guide GTA | january 5 - 19, 2013

january 5 - 19, 2013 | New home guide GTA 25

communityfocus |

CONTINUED

from $409,990 and singles starting from $529,990, there’s a home for everyone at Valleylands.

One of the finest offerings from Valleyland’s new location is the 45-ft., 3,310-sq.-ft., double-car garage, fourbedroom York Elevation B. The York offers a spectacular front elevation of brick and stone, featuring large windows and a covered porch. Inside the stylish foyer opens on to a large open-concept living and dining room with coffered ceiling. Just down the hall is the stunning gourmet kitchen, complete with breakfast bar, servery, walk-in pantry and sliding patio doors. Adjoining the kitchen is a generously sized family room with gas fireplace. On the opposite side of the family room is a charming library with optional French doors opening to the backyard. The second floor features a master suite complete with a spacious walk-in closet and spa-like ensuite featuring his and hers sinks, oval tub and separate shower. Home purchasers also have the option of including a private master retreat with optional gas fireplace in the master suite, or having the convenience of a den that opens to the main hallway. At the top of the stairs home purchasers will be pleased to find an upstairs laundry room. Bedrooms two and three share access to an ensuite and bedroom four has access to its own private ensuite. Priced from the upper $600’s, this luxurious model is a triumph of elegance and sophistication.

For most families, school is a top priority, so it’s nice to know that Valleylands is ideally situated to take advantage of many of Brampton’s wonderful educational facilities. A new elementary school is proposed for construction right 26 New home guide GTA | january 5 - 19, 2013

in the Valleylands community, and Queen Street elementary school and Sir William Gage middle school are just a short walk north of the community. There are also a number of public and Catholic primary and secondary schools within a short distance. And with post-secondary tuition costs on the rise, it’s nice to know that Valleylands is ideally situated to make the live-at-home college lifestyle a breeze.

Well-regarded institutions such as Sheridan College and Algoma University both have campuses that are just a short drive or bus ride away.

In addition to excellent proximity to schools, Valleylands is also in a great location to take advantage of a whole host of other lifestyle amenities. The Heartland Town Centre is only five minutes away, offering major retailers such as Best Buy, Home Depot and Costco. Nearby Erin Mills Town Centre, Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restaurants. For those in search of live entertainment, there’s the Rose Theatre, offering a year-round calendar of musical and theatrical performances. Golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance, and the commute to Toronto is a breeze with Hwys. 401 and 407 just minutes away.

With more than 50 years of experience, Fieldgate Homes is one of the GTA’s finest home builders, known for their exceptional floor plan designs.

For more information on Valleylands, please call 905.457.0445 or visit fieldgatehomes.com

It’s the feeling Rosehaven designs into some of the most unique and desirable homes in Southern Ontario. Homes that are as unique as you are. So choose Rosehaven and every time you step through the front door you’ll say, I am happy, I am comfortable… I am home!

Chippawa / Niagara - Lyon’s Creek

Brampton - Mount Pleasant

New 35’ bungalow loft towns & 50’ singles from the low $300’s.

Lyon’s Creek Blvd. & Sodom Rd. East of the QEW

New 20’ towns plus 25’ attached singles.

Detached homes on 30’, 38’, and 41’ lots On Mississauga Rd., North of Bovaird Rd.

Thorold - Gibson Heights

Kleinburg - Platinum Home Collection

Model home inventory release!Towns, semis & attached singles from the $240’s. Plus 45’, 40’ & 36’ lots from $300’s.

Richmond St. & Winterberry Blvd., South of Hwy. 58

Homes of Distinction from $1.3M to over $1.8M KleinburgHeritageEstates.com Hwy 27, North of Nashville Rd.

Ancaster - Tiffany Hill

Nobleton - King Country Estates

Luxury stone, stucco & brick detached homes on 45’ lots from the $460’s and 4 models to tour!

Garner Rd. E. & Raymond Rd. East of Hwy. 6

Elegantly appointed detached homes on 63’, 56’ & 50’ lots from the $780’s.

Hwy 27 & Park Heights Tr., North of King Rd.

For directions, hours, community information, visit:

rosehavenhomes.com • (1-888 / 416) 410-0175 Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands except for Kleinburg pricing.

27

colouroftheyear

Photo bY Pantone

THIS YEAR, ALL ROADS LEAD TO EMERALD – PANTONE’S COLOUR OF THE YEAR FOR 2013. THIS JEWEL TONE IS SOPHISTICATED AND LUXURIOUS AND IS ALSO THE HUE OF RENEWAL AND PROSPERITY. HERE’S A PANORAMIC VIEW OF THIS YEAR’S “IT” COLOUR, FROM FASHION, BEAUTY AND DÉCOR, YOU WILL SOON REALIZE LIKE DOROTHY, WHEN IT COMES TO EMERALD GREEN – THERE IS NO PLACE LIKE HOME.

emerald city by silvana longo

L’Objet Malachite candle, $183.

Tiffany & Co. Emerald ring with diamond baguettes in platinum

Visit williams-sonoma.com

Photo by Carlton Davis. Visit tiffany.ca

Silk PJ top, $49.

Gucci 60th Anniversary Patent Frame Drivers, $525 Visit holtrenfrew.com

Visit joefresh.com

28 New home guide GTA | january 5 - 19, 2013

Broad stripe, $185 Vermicelli, $255.

Both per 11 yard roll.

Marimekko Siirtolapuutarha cushion, $55. Visit eq3.com

Happy Days punch bowl with ladle, $49. Visit eq3.com

Leather gloves with cuff, $59.99.

Visit winners.ca

Visit farrow-ball.com

Visit ikea.com/ca

LEENDE carafe, $9.99.

Visit ikea.com/ca

Covet Eyeliner, $19.

Visit urbandecay.com

Colour Pop coffee pot, $38.

Visit anthropologie.com

KOPPAR table lamp, $19.99.

Staub Coq au Vin in emerald, $175.

London sofa, $2,095.

Visit williams-sonoma.com

Visit elte.com

january 5 - 19, 2013 | New home guide GTA 29

taxingissues

Henry Choo Chong, CGA provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5220. Any questions to Taxing Issues should be e-mailed to choochonghcga@yahoo.ca

Capital expenditures & deductible expenses

by Henry Choo Chong

Q.

I recently purchased a rental investment property. Fortunately, the home was rented quickly. However, last summer because of several days of heavy rainfall, the roof leaked terribly and our ceilings were partially water damaged. I had to reshingle and replace almost half of the entire roof and repair the ceiling and floors. It also cost me more than $1,200 for a new fridge and stove. I have an individual who prepares my income taxes who has advised me that these are capital items and I could not deduct them for my income taxes. I find that ridiculous to be out of pocket that amount of money and I cannot deduct it.

Sam, Toronto

A.

Real estate rental deductions are always contentious, and Canada Revenue Agency frowns on expenditures that should be capitalized as opposed to being expensed immediately. As an accountant who deals with real estate investors on a regular basis, I can tell you your concern is not isolated. The Income Tax Act does provide guidance with regards to capital items and current expenses.

Capital expenditures – Generally, these are expenditures that will provide benefits and a useful life for several years – such as appliances, air conditioners and dishwashers. The Income Tax Act provides for Capital Cost Allowance (CCA) deduction for capital expenditures that can be expended over the useful life of the asset.

Deductible Expenses – Generally, these expenditures may be deducted in the year they are incurred. They would include all expenditures directly related to the property such as property taxes, 30 New home guide GTA | january 5 - 19, 2013

insurance, utilities, mortgage interest, advertising cost, legal cost, accounting fees, and repairs and maintenance.

It would appear your repairs were performed to maintain the property to its original condition and would therefore be considered a current expense.

However, the fridge and stove must be capitalized.

Investors should always have a good accountant who deals with real estate investments on a regular basis to ensure the right advice is given.

Q.

I recently started my own small business, which is registered as a non-incorporated business. It earned approximately $34,000, less expenses. Additionally, I am employed full-time, as is my wife. What is my final date and can I choose my own year-end for my company?

Yves, Oakville

A.

Congrats on joining the ranks of entrepreneurs. Many individuals talk about starting their own business but are reluctant to do so for various reasons. The primary obstacle is finances, followed by lack of knowledge about where to start.

Individuals who are strictly T4d – that is, employed full- or part-time – were to file their year’s personal tax return on or before April 30 of the following year. Selfemployed (including non-incorporated businesses) taxpayers and their spouse had to June 15 to file their tax return for the previous year. However, any income taxes owing would have to be remitted on or before April 30 of the filing year.

Therefore, you should have your tax returns prepared before the end of April to avoid any interest penalties.

dreams

Where and families come together in 3 Superb Communities MaRkHaM

MaRkHaM LE

W SE NE EA L RE

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V

IN

UPO T

Semis and Detached homes on 30’, 36’ and 40’ lots.

F

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W SE NE EA L RE

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$2

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Semis and Detached homes on 35' and 41' lots.

odeLs ed M

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Detached homes on 46’, 50’ and 60’ lots. Ravine lots available.

odeLs ed M

t decor a

odeLs ed M

Cornell Ce ntr

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t decor a

T EN

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THORnHill

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from

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486,990

905-201-7700

from

$

1,089,990

905-417-1203

madisonhomes.ca Hours: Mon-Thurs. 1-8pm, Fridays by appointment, Sat., Sun. & Hol. 11am-6pm. *Specifications are subject to change without notice. E. & O. E. See Sales Representative for details.

january 5 - 19, 2013 | New home guide GTA 31

coverstory

Spring Valley Village in Brampton Where nature meets the city

P

icture yourself in the perfect family setting – beautiful, brand new home in a well-established area. A spacious home where you’ll be comfortable, in a close-kit community where you’ll enjoy real peace of mind, surrounded by family, friends and neighbours.

Nothing is more important than family – and there are few decisions in life as important as where you and your family should live.

At Ballantry Homes, we’ve made this decision that much easier with Spring Valley Village in Brampton – a collection of semidetached and detached homes surrounded by valley lands, parks

32 New home guide GTA | january 5 - 19, 2013

location Brampton housing type Semi-detached and detached homes contact 905.457.3698 | ballantryhomes.com

BALLANTRY HOMES

Spring Valley Village

From the gracious foyers to the pampering privacy of the bedrooms upstairs, these homes are fashioned to fit your lifestyle, from everyday living to entertaining on special occasions and schools. Homes range from 1,530-sq.-ft. semis from $373,900, to 2,165-sq.-ft. detached homes from $519,990.

Ballantry Homes’ exteriors offer a wonderful first impression.

Yet even more impressive are the interiors that await when you step through the front door. From the gracious foyers to the pampering privacy of the bedrooms upstairs, these homes are fashioned to fit your lifestyle, from everyday living to entertaining on special occasions. Elegant living and dining areas, great rooms, gourmet kitchens, luxurious ensuite bathrooms – each room has been thoughtfully considered and beautifully appointed, and all executed with the quality craftsmanship that has become a hallmark of Ballantry Homes.

And when it comes to location, location, location, Spring Valley Village has it all, and then some. Brampton today it is a bustling multi-cultural metropolis that boasts all the amenities and attractions residents could ever desire.

Here, everything you could ask for is within quick and easy reach. Fine schools, parks and places worship, superb shopping and dining opportunities from an array of merchants and restaurateurs, top-ranked golf courses, theatre, arts and culture, sports and other recreational activities and healthcare facilities. All with close and convenient access to the Brampton GO Station and local public transit, and just minutes away from major thoroughfares including Hwys. 410 and 407.

Ballantry has always treated its customers as number one.

Having built some of the finest homes and estate communities

in and around the GTA, the company’s reputation for meticulous attention to detail and craftsmanship has earned the trust of thousands of satisfied homeowners.

What else would you expect from an award-winning builder like Ballantry Homes, where the goal is to make the new-home buying experience the very best it can be, to not just build homes, but to build dreams?

Dreams don’t have to end when you wake up in the morning. The best ones can be made real, if you put your mind to it. At Ballantry Homes, we build dreams. With more than two decades of experience, we’ve designed and constructed thousands of homes, working closely with our family of buyers and our team of forward-thinking architects and interior designers.

For more information and to begin the process of owning your dream home today, visit ballantryhomes.com or call 905.457.3698.

january 5 - 19, 2013 | New home guide GTA 33

industryoutlook

Hugh Heron is Principal and Partner in the Heron Group of Companies and President of Heathwood Homes, as well as a former Member of the Board of Directors of Canada Mortgage and Housing Corp., and a Past President of the Toronto Home Builders’ Association and the Ontario Home Builders’ Association.

Look at the bottom line BEFORE YOU SIGN ON THE DOTTED LINE!

by Hugh Heron New home real estate continually proves to be a

wise long-term investment for both your lifestyle and personal finances.

I say it often, and I will continue to stress the fact that a good new home buyer is an educated one – especially when it comes to those finances.

When you shop for a new home or condominium, find out as much as you can up front, check out what resources are at your disposal, and be realistic when it comes to deciding what you can afford.

Of course, you want a home and mortgage that you can carry comfortably. Location and price are typically the two most important aspects of buying a new home that people consider, and remember to compare apples to apples. The same size home in an established area may sell for more than in an up-and-coming area where you will have to wait for amenities and infrastructure to be completed.

And keep in mind that the purchase price is only the beginning. There will be closing costs, and your builder representative should be happy to provide you with the details of those. Once you research these costs, you may find the homes you are looking at are not within your financial reach.

The good news is that today’s home designs are so well laid out that even more compact sizes are very livable. Keep an open mind about size and shop for value. The main thing is to join the ranks of homeowners in Canada and start building equity for your future. Once you’re in the market, it’s easier to move up.

One of the great benefits for Canadians is the Federal Home Buyers Plan, which allows first-time home buyers to withdraw up to $25,000 from their RRSP for the purpose of buying or building a qualifying home.

In addition, many builders have financial programs in place that can help, such as capped mortgage rates.

Buying early in the new home marketing process can work in your 34 New home guide GTA | january 5 - 19, 2013

favour, too. When you purchase a new home from plans, you will have to wait to move in for at least months, possibly years.

Think of your waiting period as an opportunity to save more money for your purchase and plan for your new digs. If it’s your first home, saving extra funds means a lot.

Seasoned home buyers will tell you that the best closing day is one with no surprises. Take your Agreement of Purchase and Sale to a lawyer who knows real estate and make sure you know exactly what costs you are expected to cover and when. Closing costs can range up to 2.5 per cent of your purchase price.

Among these charges are the Tarion Warranty Corporation enrolment fee, provincial Land Transfer Tax (plus the Toronto Land Transfer Tax if you buy a home within that city), legal fees (plus G.S.T. on those), out-of-pocket expenses your lawyer may incur on your behalf, and mortgage expenses and adjustments such as realty taxes and utility charges.

My advice is to visit Canada Mortgage and Housing Corporation’s website (cmhcschl.gc.ca/en/co/buho/index.cfm) and download the guide called “Homebuying Step by Step.” This publication covers the following topics: Is Homeownership Right for You?; Are You Financially Ready?; Which Home is Right for You?; The Buying Process; and Now that You’re a Homeowner. You’ll also find a glossary of terms and some worksheets for you to use during your search.

Buying a new home or condo is most likely the biggest financial investment of your lifetime. Get your finances in order and make the decision wisely.

The Best Value

north of t he

GTA!

PREVIEW OPENING SPECTACULAR DETACHED HOMES IN AN INCREDIBLE CONSERVATION AND RAVINE SETTING

Where else can you get so big a home with two and three car garages for so small a price? At Victoria Highlands, choose from an amazing selection of Bungalows and Two Storey Homes on 33’, 40’, 50’ and 65’ Lots. All set amidst the beautiful countryside of Mount Albert, just 10 minutes from Stouffville… and all priced to sell!

victoriahighlands.com victoria 416-924-0110

Homes from the Mid

400’s

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700,000

to over $

up to 4,200 sq.ft.

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Mon. - Thurs. 1 -8 pm, Fri. by appointment, Weekends and Holidays 11 am - 6 pm

Prices and specifications are subject to change without notice. E. & O.E. Rendering is artist’s concept.

35

communityfocus

Construction now underway on DEERHURST GOLF COTTAGES

live right on one of Canada’s finest courses is a dream-come-true,” says Skyline’s CEO, Michael Sneyd. “ConHuntsville struction on their neighbourhood is housing type well underway, and we are happy to be bringing their dream to life.”

Golf Cottages and homesites “Skyline is doing amazing work at contact Deerhurst Resort,” says Huntsville 705.789.6424 Mayor Claude Doughty. “These Golf owndeerhurst.com Cottages and homesites offer a unique residential opportunity that adds to the year-round appeal of these incredt Skyline International Devel- ible surroundings.” opment’s fabulous Deerhurst With more than 50 per cent sold Resort, a groundbreaking mile- in this limited release of just 39 homestone has occurred, with construction sites and Golf Cottages, response has on Deerhurst Golf Cottages now been phenomenal to this exclusive underway. The official ceremony that collection of whole-ownership resimarked this important step was a dences situated on the gorgeous Hightime of excitement for everyone in- lands Golf Course. Purchasers apvolved, especially the owners of the preciate the opportunity to revel in cottages being built. Crews have been year-round vacation-style living, with preparing several of the homesites for a world of entertainment and recreconstruction, and the roads in the ation at their doorstep. For prices community are being paved. It’s “all beginning from only $179,900, you systems go,” and everyone involved can own a Golf Cottage homesite, or is thrilled. from just $399,900, you can own an “For golf-lovers, the opportunity to elegant cottage. location

A

36 New home guide GTA | january 5 - 19, 2013

“Buyers love the fact that they have the option of placing their home into a professionally managed rental program for all or part of the year,” Sneyd adds.

“In addition to having access to Deerhurst’s Concierge services, owners can recoup some of their costs through this no-muss, no-fuss program.”

Only 18 homesites and cottages remain in this superb community, as well as a spectacular model cottage to tour. Appointed by the Design Agency, the model showcases the casual elegance of these inviting residences.

From its wide-plank engineered hardwood flooring to its contemporary/ traditional style mix, the model offers hints of The Hamptons.

To help purchasers personalize their surroundings, Skyline enlisted the Design Agency to create furniture package options. Plus, each Golf Cottage will feature an exterior gas line and barbecue; nine-ft. main-floor ceiling heights and much higher in the Great Rooms (as per plan); quality kitchen appliances; imported ceramics; smooth ceilings in the kitchen, laundry

SKYLINE INTERNATIONAL DEVELOPMENT

Deerhurst Golf Cottages

and bathrooms; oak handrails and spindles; and a direct-vent natural gas fireplace. The cottages also offer beautiful views of the Highlands Golf Course, one of the two courses at Deerhurst Resort. Golf Cottage owners can walk or take the shuttlebus to the lake and a wealth of amazing resort amenities.

Golf Cottage purchasers receive a free golf cart, a 40-per-cent discount at Deerhurst Resort from the time of purchase until closing, plus a membership buy-in in the SkyLife Club. Valued at $25,000, this membership offers unprecedented access to the amenities at Skyline’s northern and urban properties.

Photo: Nicola Betts

Skyline Destination Communities recently broke ground on construction of Deerhurst Golf Cottages, an exclusive collection of whole-ownership residences on the gorgeous Highlands Golf Course at Deerhurst Resort.

RIGHT TO LEFT

Huntsville Councillor Fran Coleman, Huntsville Mayor Claude Doughty, Skyline International Development’s CEO Michael Sneyd, Skyline’s Vice-President Operations Dan Piggott, Skyline’s Vice-President Sales and Marketing John Giffen, and Infinity Fine Homes President Paul Barber.

Choose from six beautiful detached freehold Golf Cottages with two-, three-, four- and five-bedroom layouts. Gorgeous exteriors feature Muskoka-style architectural highlights such as large porches and accent windows. For more information, visit owndeerhurst.com or call 705.789.6424. january 5 - 19, 2013 | New home guide GTA 37

hotdates

jan. 5 - 6

Canada's Bridal Show Metro Toronto Convention Centre

Jan. 5 to 19 Calendar of events beginning from Jan. 5 to 19, 2013

Soon-to-be-weds and their supporters flock to Canada’s largest bridal trade show, spanning 18,000 sq. ft. and featuring more than 350 exhibitors. Rows of booths offer info on wedding venues, photography, event planning, gowns and tuxes, invitations, DJ and limo services, florists and more, as well as promotions for honeymoons and destination weddings. canadasbridalshow.com

Total Wedding Show

international Centre

The Total Wedding Show features more than 100 exhibitors who are experts in the bridal industry, the latest in bridal gowns, catering, photography, flowers and more. The fashion show features the latest in trends for gowns, tuxedos, hair, make-up and accessories. Shop at over 350 retailers for everything from fitness to invitations, and check out one of the biggest gown sales, there are also tons of prizes to be won, including a diamond ring. totalweddingshow.com

jan. 5 - 13

Canada's Top Ten Films of 2012 tiff bell lightbox

The films are chosen by a panel of filmmakers, programmers and critics from across Canada. The chosen films will screen at the Lightbox with panel discussions, plus introductions and Q&A sessions with filmmakers.

Actress and director Sarah Polley will be featured in a Mavericks Q&A to discuss her career, including her film Stories We Tell. tiff.net/topten

38 New home guide GTA | january 5 - 19, 2013

jan. 18 - 20

jan. 19 - 20

Maple Leaf Monster Jam Tour rogers centre

The Maple Leaf Monster Jam Tour comes to Rogers Centre for two shows, starring 12-ft., 10,000-pound monster trucks that race and smash through a custom-designed track full of obstacles. Designed for the whole family, this show tours throughout Canada and the United States, even hitting Europe and Mexico. monsterjamcanada.ca

January 5 - 19, 2013

Showcasing new homes in the GTA’s east region

IN THIS SECTION

>> Maps and listings for new-home communities in the east region >> Builder news and the latest in new homes in the east region

32 Sideline

32 Sideline

Altona Rd

Rosebank Rd

Altona Rd Church St S

Squires Beach Rd

Brock Rd

Sandy Beach

Appleview Rd

Spruce Hill

Montgomery F

eD

Lak

tD

Wentworth St

Gibb St

King St W Bond St W

Adelaide Ave

60

29

46

40

34

King S

tE

Adelaide Ave

10

31

Wentworth St

Bloor St.

Olive Ave

Ritson Rd S tS eS co Sim

Stevenson Rd

Phillip Murr

Bloor St Park Rd S

57 n 65

Finley Ave

ou

Harwood Ave

Westney Rd S

Garden St Blair St

em

Fairport Rd

401

Kendalwood R

Whites Rd

Granite Court

Dr Notion Rd

47

52 91 14

17 Rossland Rd

3

26

Beatrice St

18

22

Conlin Rd

68

Harmony Rd S

ug

Dixie Rd

wS

Ro

Liverpool Rd

42 11

49

Cochrane St

46 Rd

Bayly St E

56

Manning Rd

Dryden Bv

Park Rd S

on

45

Dundas St E

38 1

50

Taunton Rd W

Centre St.

gst Kin

Brock Rd R aks rO o j Ma Valley Farm

401

55 44 48 401

Kingston Rd

7

8 36

55

67

21

15

devie

15

Whites Rd

30

5

Townline Rd

Sheppard Ave

Brock Rd

Riverside Bv

50

Church St N McQuay

Glenanna Rd

16 Sideline Rossland Rd

16

Garden St

Magill 92Dr

54

23

33

City of Oshawa

Mary St N

Stroud's

Paddock Rd Ravenscroft

28

Lakeridge Rd

58

Greenwood Rd

43

Audley Rd

To wn of Ajax

66

Country Lane

Taunton Rd W

Anderson St

Highview Rd

Westney Rd N

41

Salem Rd Brock St N

Delaney Dr

Salem Rd

24

Audley Rd

Garrard Rd

Gran

K

North Rd Baldwin St S

4

Garrard Rd

Rossland Rd

4 Sideline R

Taunton Rd E

Thornton Rd

Central Park

J

North Rd

13 37

35

Conlin Rd

To wn of W hitb y

Rossland/Winchester R

53

14

8 Concession

13

Church St E

Stevenson Rd

51

24 Sideline Coronation R

tN

I

20 Sideline

Thickson Rd

eS

Finch Ave

Brock Rd co

3 Concession

16 Sideline Sim

H

16 Sideline Brock Rd Cen tral St

90

12 Sideline

4 Concession

6 Sideline

Ritson Rd N

4 Concession

4 Sideline Halls Rd N

Fifth Conces

68

12

Wilson Rd N

G

30 Sideline

Village of Bro oklin

Brawley Rd

11

Baldwin St N

5 Concession

10

Myrtle Rd W

9

Country Lane

Columbus Rd

Lake Ridge R

6 Concession

8

Cochrane

7

7

Ashburn Rd

7

7 Concession

8 Concession

9 Concession

6

Cedarbrook T

City of Pickering

5

Duffs Rd

Whitevale Rd

4

12

F

28 Sideline

7 Conncession

3 Garrard Rd

E

9 Concession

2

Stevenson Rd

D

1

Pickering, Ajax, Whitby, Oshawa

4 Sideline R

C

B

A

east region:

Harmony Rd N

Grandeview S

ly

Townline Rd.

Bay

40 Grandeview S

Wilson Rd S

Thornton Rd

Hopkins St Blair St

Henry St

Brock St S

Gordon St

Ajax-Whitby

Shoal Point Rd

Pickering Beach Rd

riv ew a

Liverpool Rd

17

18

19

Attention Builders Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

* Due to scale restrictions locators are approximate.

Please see builder’s ads for exact locations.

16

Stonecrest

greatgulf.com

58 Mattamy Homes

Seaton

mattamyhomes.com

66 Monarch Corporation 1

•

from $305,000

45 15F

•

from $225,000

BC 5I

Tran Quility

monarchgroup.net •

from $520,000

IBC 7G

Beaverhall Homes

Parkside Walk

905-430-1227

•

from $285,000 11H

4

Menkes

Somerset

905-428-0500

•

from $470,000 7G

5

Monarch Corporation

Lexington County

416-495--3542

•

from $490,000

11 Conservatory Group

Carruther’s Creek Village

905-426-8081

•

•

from $247,000 7J

13 Liza Communities

Folkstone

1-877-365-9555

•

•

from $335,000 10G

21 Great Gulf Homes

Grandview Oshawa

1-888-579-7235

•

from $287,000 14F

24 Tribute Communities

Imagination

905-683-1228

•

from $286,000 8G

25 Melody Homes

Brooklin Winchester

1-888-679-5744

•

from $260,000 11E

31 Preston Homes

Prestonvale Heights

905-432-2800

•

•

from $350,000 15J

33 Tribute Communities

The Neighbourhoods of Windfields Farm 905-436-7444

•

from $356,000 13F

34 Tribute Communities

The Neighbourhoods of Park Ridge 905-723-2344

•

from $333,000 15G

35 Tribute Communities

The Village of Brooklin West

905-655-9979

•

from $380,000 11E

35 Tribute Communities

The Village of Brooklin Townhomes 905-655-9979

•

from $340,000 11E

36 Liza Communities

Heritage Village

1-888-655-6188

•

•

from $325,000 11G

45 Sundial Homes Limited

Mulberry Meadows

905-427-8255

•

from $190,000 6J

49 Senator Homes

Harbourside

905-430-5957

•

• •

from $270,000 9J

54 Baycliffe Homes

The Gates of Whitby

905-668-9828

•

•

from $250,000 9G

55 Jeffery Homes

Kedron Park Ravines

905-433-2173

from $580,000 14G

56 Delpark Homes

The Woods of Nichol Trail

905-665-9555

•

•

from $426,000 11I

57 Geranium Homes

The Courts of South Rouge

geraniumhomes.com •

from $700,000 2K

60 greycrest homes

the fields of conlin

905-725-4539

•

from $310,000 15G

65 Brookfield Homes

Rosebank By The Lake

PickeringRosebank.ca •

from $550,000 2K

67 Midhaven Homes

Breeze

1-877-773-6888

•

•

from $257,000 15F

68 Storybook Homes

Brookstone Estates

905-438-9516

•

from $1050,000 11B

90 LeBovic Homes

Old Taunton in Pickering

905-428-3434

•

91 Sundance Homes

The towns of nichol green phase 1

sundancehomes.ca •

3

•

Page No.

8I

• • 5H from $260,000 11J

Pickering, Ajax, Whitby, Oshawa

Great Gulf Homes

Price Range

east region:

Site

M Fi a nd p er

Builder

D

Tel

et a Se ch m ed To i w Co nho nd m o e

# Si te

41

19

ach

Re

Parkhill Rd.

7B

7

28

115

28

7

t.

24 16

rS

te Wa

28

Peterborough

9 31 38 Lansdowne Ave.

7A

7

35

2

7

134

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

7 y4 30 Hw 10 Goodwood Rd

Mill St

4

Durham 23

St

7

Bloor St.

2

Rd

33 Oke

6

Angelina St North 34

Major St.

Lorne St.

Harmony Rd

Hw Mya2rsh

20

32

401 14

Bloor St.

LAKE

ONTARIO

.

St. Ridout W al to

n

St .

To Belleville Jocalyn St

401

Lake Ontario

Po rt Hope

Rd.

t. H wy 2

gS

Kin

Concession St

Baseline Rd. E

37

Concession Rd 3

13

Bowmanville/ Newcastle

21

12

Hwy

39

8

401

14

16

7

7 12 7A

Lake Scugog

18

Dr

18

ill Mc G

17

Lake Scugog

15

LAKE ON TA

Port Hope

1

MacDonald Cartier Freeway

106

RIO

35

29

5

115

19

Cobourg

Hwy 2

Hwy 401

Reg. Rd. 74

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

17

To Toronto

Hwy

Nash Rd

y2

St. Hw

Baseline Rd. W

26

King

48

45

11

Mearns

10

.

36

Hwy

Nash Rd

9

Lindsay St. North

Lindsay

8

Courtice

King St.

Po rt Per ry

Hwy #7

Kent St

Colborne St

35

7

Rd

K

J

I

H

G

F

E

D

Quaker Village Dr

Uxbridge

Centre

Rd.

ng

mo

Che Monaghan Rd.

C

Brock Rd To

15

Brock St

St

to

ro n

Reg Rd 8

Elgin Park

Durham Reg

Main St

B

Hwy 134

Liberty St. N Liberty St. S

6

West Townline Rd. N.

5

le Rd

4

Varcoe Rd Darlington Blvd

n io Un

3

.

St. Joseph's Rd onva

Waverly Rd

Lambs Rd Hains St

2

t.

1

Hwy 28

Av e Trulls Rd

Regional Rd 57

A

Reg. Rd 34 Courtice Rd

McLaughlin Rd ille Rd Janetv

Uxbridge, Lindsay, Bowmanville/Newcastle, Courtice, Peterborough, Port Hope, Cobourg, Port Perry

Reg. Rd. 18

east region:

y2

Prest

to

Hancock Rd

Mill St.

oS tari

Hwy #12 (From Whitby)

ron To

On

Simcoe St. (From Oshawa)

w

y.

4 H

42 Hw

5

Page No.

1

Mason Homes

Port Hope Golf & Country Club

905--885-6565

•

from $210,000 12K

2

Parkview Homes

Woodland Acres

705-748--2828

•

from $220,000 3G

5

Mason Homes

Cobourg

905-885-6565

• •

from $200,000 19I

6

Mason Homes

Cloverlea Lindsay

705-324-1653

•

• •

from $200,000 7a

8

Kaitlin Group Ltd.

Port of Newcastle

1-800-305-6849

•

8

Kylemore Communities

Port of Newcastle

905-987-5146

•

from $351,000 14E

8

Storybook Homes

Bond Head Estates

905-438-9516

•

from $850,000 14E

9

Parkview Homes

Harmony

705-748-4663

9

Parkview Homes

Lyon’s Gate II

705-748-4663

•

from $303,000

2I

9

Parkview Homes

Mapleridge Townhomes

705-741-1004

•

from $228,000

2I

9

Parkview Homes

Timberwoods

705-748-4665

•

from $228,000

2I

9

Parkview Homes

Valleymore

705-748-4663

•

from $199,000

2I

10 Deer Park

Deer Park Estates

416-223-3777

•

from $600,000 2e

14 Rice Developments

Willmot Creek On The Lake

905-697-5806

•

from $225,000 11D

16 Parkview Homes

Foxmeadow Estates

705-748-2828

•

from $208,000 3H

18 B.G. Schickedanz

Lake Scugog Meadows

1-877-878-9899

•

from $298,000 17B

20 Geranium Homes

Verandas

905-885-0555

•

from $255,000 10I

24 Parkview Homes

Thompson Bay Estates

705-748-2828

•

from $217,000 3H

26 Kaitlin Group Ltd.

Aspen Heights

905-697-0513

• from $165,000 10C

26 Kaitlin Group Ltd.

Condominiums at Clarington Centre 905-697-4513

• from $210,000 10c

26 Kaitlin Group Ltd.

Country Classics

28 B.G. Schickedanz

Chateau Villas at Baxter Creek Estates 905-695-1953

1-866-514-3573

•

• • from $260,000 14E

• from $150,000

2I

•

from $300,000 10c

•

from $185,000 3K

29 VANDYK group of companies West Park Village in Cobourg

905-373-4149

•

from $214,000 18J

30 Empire Communities

Estates of Wyndance

905-649-8197

•

from $900,000 3e

31 Parkview Homes

The Meadows

705-741-1004

34 Carrington Homes

Woodlands of Upper Courtice

905-434-7797

•

from $260,000

35 Mason Homes

Avonlea

1-866-443-7900

•

from $190,000 3H

36 Senator Homes

Courtice Village

905-723-5989

•

•

from $239,000 7K

38 Melody Homes

Fairview Heights

1-800-932-5332

•

•

from $172,000

39 H&R Developments

Gracefields

hr-newhomes.com •

from $285,000 14B

39 Thornridge Homes

Gracefields

thornridgehomes.com •

from $285,000 14B

45 Highcastle Homes

Northglen

northglen.ca

•

45 Delpark Homes

Northglen

905-419-7222

•

45 Esquire Homes

Northglen

48 Brookfield Homes

• • from $288,000

3I 9I

2I

•

from $221,000 11B

• •

from $221,000 11B

northglen.ca

from $219,000 11B

BrookHill

Brook-Hill.ca

•

• •

from $200,000 10B

48 Jeffery Homes

BrookHill

905-697-0765

•

• •

from $200,000 10B

92 Glen Rouge Homes

The Cornerstone

905-239-9777

•

from $588,000

6I

Uxbridge, Lindsay, Bowmanville/Newcastle, Courtice, Peterborough, Port Hope, Cobourg, Port Perry

Price Range

east region:

Tel.

Fi M ap nd er

Builder Site

De ta Se ch m ed To i w n Co hom nd e o

# Si te

43

quicktips

Resolve to get

organized in 2013 After the big glittery ball has dropped and

resolutions are made, the difficult part begins. To achieve success, observers suggest we break down our resolutions into smaller, more feasible goals. Think short-term.

For example, it is well-known that every year, one of the most popular resolutions is to become more organized. This can sometimes feel overwhelming, so here are some simple solutions from The Home Depot Canada to clear and conquer the clutter in your home: Organize your front foyer

This space sets the tone for first impressions. Think about stashing useful items such as gloves, hats, scarves and pet supplies in decorative fabric bins. These are easy to label, and make it easy to find items with just a glance. If you do not have a closet in your entry way, invest in a simple shelved console table where you can store your organized items for easy access. A multi-purpose shelf with mounted hooks for sweaters, jackets and coats is essential to keeping your no closet foyer pristine.

De-clutter your kitchen pantry

A functional pantry is the key to a functional kitchen. Creating a working pantry can be a big challenge depending on your cooking routine and habits. Take measurements of your space and purchase wire baskets or locking plastic containers to categorize your various ingredients according to your needs. Hang bins inside of the pantry door for popular foods. Not only will this be a time saver, but will also optimize your pantry space.

Conquer your bedroom closet

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 44 New home guide GTA | january 5 - 19, 2013

Bedroom closets often fall victim to being a dumping ground for items without a ‘home’. As you de-clutter, sort items into the following categories: keep, donate, recycle and trash. For the items you do keep, the closet configurator is not only a simple solution, but also an affordable one. With so many options available for a variety of sized spaces, adjustable shelving systems will accommodate your changing needs.

By following these simple suggestions you will not only have the tools for organizational success but also be able to check off that New Year’s resolution without the guilt of past years. More tips on home organization are available online at homedepot.ca or at a store in your neighbourhood. NC

YOU CAN AFFORD F

UALITY

I OSHAWA LAST

ANCE

CHASE

STONECREST OMES

FROM $304,990

1475 - 1985 SQ. FT.

VISIT

SENTAT

TRE

Located at 1359 Clearbrook Drive, just north of Taunton Road, and west of Harmony Road.

1.888.579.7235 • Sat & Sun 11am - 6pm • Mon - Thurs 1 -8pm • Closed Fri • Model homes close 30 minutes prior to sales centre. GREATGULF.COM

*Linked below grade. Prices and specifications subject to change without notice. E.& O.E. illustration is artist’s impression. All square footages are approximate. Actual usable space varies from stated floor area.

january 5 - 19, 2013 | New home guide GTA 45

smartshopper

Smart shopper Exclusive discounts and deals for our readers

01

A special place Move over dark espresso finishes – light coloured, worn finishes are the trend for 2013. This French-style bergere chair with linen fabric and brass nailhead trim will update your room and can be used in both a traditional and more modern setting. The decorators at A Special Place will help you incorporate this fashionable look into your dÊcor.

Regular price, $799, on sale for only $639 until Jan. 31.

1280 castlefield ave., toronto | 416.481.2077 1755 pickering pkwy., #18, pickering | 905.428.6317 visit aspecialplace.ca for a location near you

02

Arrow furniture Looking to update your dining room this year? This fantastic modern dining room features a white lacquer cross base design, a glass top and chrome leatherette chairs.

On sale for $799 until Jan. 26. Also available in black. visit arrowfurniture.com for a location near you

03

Audio One The Bowers & Wilkins A7 is the ultimate wireless music system. Its generous dimensions provide room for a sixinch dedicated bass driver allowing it to deliver full and controlled bass even in large living rooms, $799. Be sure to drop in over the holidays for some great audio deals.

3200 Steeles Ave. W., Concord Visit audio-one.ca

46

04

Green Furniture Contemporary clean lines define this audio video stand from Green Furniture.

Finished in a beautiful dark brown stain, it holds up to a 60-in. TV. To Jan. 26, take advantage of the amazing price of $399. 71-in. L by 16-in. W by 18-in. H. 1248 DUNDAS ST. EAST, UNIT 6, MISSISSAUGA | 905.232.8520 Visit green-furniture.ca

06

X-Tile Canada

05

Alta moda Light up your world with the Arc Floor Lamp from Alta Moda Furniture. This stunning design has a brushed chrome finish with marble base and a convenient adjustable head. Yours for only $295 until Jan. 20. Regular price is $595.

680 rivermede rd., concord | 416.636.5495 visit altamodafurniture.COM

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 sq. ft., this is X-Tiles’ best deal to date! Valid to Jan. 26.

78 Signet Dr., Unit 6, toronto | 416.749.7111 or 563 Queensway E., Mississauga | 905.949.8453 Visit x-tile.net for Showroom Hours

january 5 - 19, 2013 | New home guide GTA 47

»» now available!

Get your FREE copy of the 2013 Model home Calendar

2013

AR MODEL HOME CALEND

utiful new homes of the GTA’s most bea An exclusive collection

01-NHGTA Cover 2013-FIN.indd 1

Get your copy now!

11/19/12 2:50:47 PM

2013

MODEL SUITE CALENDAR

An exclusive collection of the GTA’s most beautiful new condos

model h ome

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calendar

An exclus ive collec Ontario’s most bea tion of Sou utiful new thw homes and estern condos

01-CGGTA Cover 2013-FIN.indd 1

Also available for NEW condo guide and New Home AND CONDO GUIDE SWO Antoinette.Jackson@wall2wallmedia.com

11/19/12 2:52:13 PM

01-NHSWO

Cover 2013.in

dd 1

11/19/12

2:20:23 PM

January 5 - 19, 2013

Showcasing new homes in the GTA’s central and north regions

IN THIS SECTION

>> Maps and listings for new-home communities in the central and north region >> Builder news and the latest in new homes in the central and north region

Ki

e Av

n sto ng

lva Sy

s ng Ki e v nA

to

n

RD

17

78

32

Sheppard Ave E

2A

401 53 26

58

t Rd

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

90

n Dr orto

RD

Brim

Galloway Rd

K

Ossington Ave. Dovercourt Rd.

DVP

Main St

Gerard St

18

41

in

Manse Rd

J

rlet

8

50

23

83

42

St Clair Ave E

25

ev

18

Passmore Ave

17

Centennial

Lakeshore Blvd W

Christie St.

Horner Ave

Spadina

Dundas St. W.

Bathurst St. Bay St. University Ave.

Queen St. W. 58 King St. W. 49 Front St.

Logan Ave.

Danforth Ave.

Cosburn Ave

55

cL

M

16

East Ave

I

Keele St.

QEW 4

57

Yonge St

86

Evans Ave

28

Yonge St.

12

Don Valley Pkwy

QEW

Jane St

27

Avenue Rd Bloor St.

Laird Dr

Queensway

Dupont St.

O'Connor Dr.

43

Woodbine Ave

H

Dufferin St

Davenport Rd.

Rd

Pharmacy Rd Victoria Park

20

Sca

an

Warden Ave

Dundas St W

Allen Expressway

gh

Birchmount Rd Eglinton Ave E

Lawrence Ave E

88

15

Sheppard Ave E Milner Ave

Progress Ave

McCowan Rd

St Clair Ave.

Dufferin St

Va u

Ave E

401

Brimley Rd

80 Rogers Rd

Leslie St Eglinton

38

Ellesmere Rd

Huntingwood Dr

Finch Ave E

5

14

Bellamy Rd

Bloor St W

ay

w

ng s

Bathurst St

Eglinton Ave W

11

13 Steeles Ave.

McNicoll Ave

12

Markham Rd

Rathburn Rd

Ki

Caledonia Rd

Briar Hill Ave

Rd

Rd

y

11

y Pkwy

Eglinton Ave W

d kR

ew e

Keele St

to n

ee

427

Kipling Ave

Cr

Th e

B

k lac

Tre th

Ave Lawrence Ave E

York Mills

401

Sheppard Ave E

10

Don Valle

W es

54

1

40

9

Scarborough Golf Rd

G

Martin Grove Rd

Kennedy Rd

Westway

33

87

Finch Ave W

Drewry Rd

Pleasant Ave

8

Orton Park Rd

F

Islington Ave

Dixon Rd

pressway

401

89

Allen Ex

24

Jane St

Wilson Ave

39

7

Bayview

31

400

21

6

Mills

401

Weston Rd

34

5

Don

409

Bv

Signet Dr

27

ale

xd

6

4

Midland Ave

E

Humberline Dr

Re

Rd

3

Dufferin St

Finch Ave W

ion

Alb

2

McCowan Rd

D

1

Toronto, Etobicoke, York, North York, East York, Scarborough

Alness St

C

B

A

central region:

Tapscott Rd

7

Morningside Ave

42

Neilson Rd Morrish Rd

Rd

Sewells Rd Conlins Rd

h

Reesor Rd

rt

Beare Rd

fo

Meadowvale Rd

Da n

50 Port Union Rd

Coxwell Ave

Pape Ave.

Parliament St Sherbourne St Jarvis St.

Dufferin St

Lansdowne Rd.

Roncesvalles Ave.

Park Lawn

Royal York Rd

Renforth Dr

19

Price Range

Page No.

70

Mattamy Homes

Cornell

mattamyhomes.com •

•

from $393,000

BC 7G

88

Monarch Corporation

Birkdale

monarchgroup.net

•

from $420,000

IBC 13D

3

Camrost Felcorp

iLoft at Mystic Pointe

416-251-8888

6

Oz Properties

Garden Towns

416-898-5100

•

3B

11

Tribute Communities

Canterbury

647-352-2130

•

from $700,000

9E

12

Pemberton Group

The Uptown Residences

416-987-3500

• from $400,000

9G

18

Regal Crest Homes

Centennial Gardens

416-686-0556

• • from $323,000

13G

20

Beaverbrook Homes

Evolution

416-747-9691

3H

21

Conservatory Group

Oakdale Village

416-243-0511

•

•

from $323,000

5C

23

Conservatory Group

Upper Beach

416-698-7796

•

• •

from $400,000

12H

24

Forest Green Homes

Lexington On The Green

416-235-0220

•

from $208,000

4D

26

Conservatory Group

Port Union

416-287-3128

•

•

from $520,000

18E

27

Cresford Development Corp.

Windermere by the Lake

416-977-5300

• • from $200,000

5H

28

Pemberton Group

Park Lake Residences

416-769-4343

• from $180,000

5H

34

H&R Developments

Westown

hr-newhomes.com

• from $190,000

5C

39

Beaverbrook Homes

Yorktowns

647-259-0733

•

from $460,000

5C

41

Monarch Corporation

Evergreen

416-495-3526

•

from $395,000

14F

42

Stafford Homes

The Bell Estate

416-693-6800

•

from $335,000

12G

42

Brookfield Homes

The Bell Estate

416-693-6800

•

from $335,000

12G

43

Aspen Ridge Homes

Scenic On Eglinton

416-805-1781

•

•

from $190,000

10F

49

Tribute Communities

RCMI

416-363-4800

50

Fieldgate Homes

Corktown Mews

corktownmews.ca

•

54

Tribute Communities

1717 Avenue Road

416-430-1717

55

Stafford Homes

Keystone Mews

416-757-6684

• •

from $475,000

11F

75

H&R Developments

Berczy Square

hr-newhomes.com •

77

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

• • from $2100,000

9H

78

Your Home Developments

Nature’s Path

647-340-6972

•

from $280,000

17E

80

Brandy Lane Homes

Village Mews

416-651-6555

•

from $470,000

6F

83

Arista Homes

Lilly Factory Towns

416-792-4872

• •

from $395,000

12G

86

Menkes

Humber Mews

416-642-8955

•

3I

86

Menkes

Dwell city town

416-642-8955

•

3I

87

Menkes

Bloom Park Towns

416-730-1600

•

from $300,000

8B

89

Decade Homes

Yorkdale Village

416-638-5656

•

from $320,000

6D

90

Sundance Homes

Braeburn Lane

sundancehomes.ca •

from $430,000

15D

• from $273,000

• from $270,000

• from $550,000

•

4H

8I

9H 8C

5I

Toronto, Etobicoke, York, North York, East York, Scarborough

Tel

central region:

Site

Fi M ap nd er

Builder

De ta Se ch m ed To i w n Co hom nd e o

# Si te

51

Steeles Ave W

Kipling Av

K

ence

J

7

Clar St

42

Isl on 48

t ing

I

Huntington

Langstaff Rd

46

2

21

6

40

18

Major Mackenzie

Cr

H

Teston Rd

24

400

11

39

8

27

Weston Rd

G

7

King-Vaughan Rd

6

400

9 King Rd

10

Rutherford Rd

26

Maple

7

52

51

49

25

3

5

20

10

22

Centre St

15

19

14

Clark Ave W

35

Thornhill

34

38

14

8

4

40

47

12 43

33 28

13

41

7

23 16

31 44 7

45

53

12

Langstaff Rd

32

37

11

Dufferin St

F

Kirby Rd

5

Pine Valley

City of Vaughan

1

4

Jane St

E

3

Nashville Rd

2

Keele St

D

1

Cold Creek

C

B

A

central region: Vaughan, Maple, Woodbridge, Thornhill

Hwy. 27

52

Bathurst St

e Av

e

Rd

50

12 Line R

d

16

17

18

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

15

19

Tel

Price Range

Page No.

1

Aspen Ridge Homes

Kleinburg Hills

647-921-0381

•

from $800,000

1 4F

24

Fieldgate Homes

Vaughan Valley Estates

905-303-4728

•

from $830,000

Insert 9F

44

Madison Homes

thornhill

905-417-1203

•

from $1090,000

31 14g

51

Aspen Ridge Homes

King Oaks

905-539-0181

•

from $1100,000

1 12A

1

Country Wide Homes

Kleinburg Hills

KleinburgHills.com •

from $750,000

4F

11

Summit View Homes

The Summit of Valleybrooke

905-417-7980

•

•

from $300,000

8E

24

Arista Homes

Vaughan Valley Estates

905-303-1929

•

from $770,000

9F

35

Hallstone Homes

Clairtrell Mews

905-886-5757

•

from $670,000

15K

37

Flato Developments Inc.

Montebello

905-731-2000

•

from $390,000

11D

38

Liberty Development

Centre Park Townes

905-731-8302

from $399,000

13I

39

Tiffany Park Homes

Valleybrook Estates

905-303-1620

from $320,000

8e

42

Dunpar Homes

Riverside Village

416-253-5888

•

from $519,000

43

Primont Homes

Rothbury Ravine Estates

905-305-8871

•

from $675,000

13f

44

Forest Hill Homes

Thornhill Ravines

madisonhomes.ca •

from $690,000

14g

45

ELM Developments

Baker’s Lane

905-771-8880

• •

from $480,000

13H

46

Country Wide Homes

The Point at Woodbridge

905-907-1500

•

8E

47

Country Wide Homes

Upper Thornhill Estates

905-907-1500

•

from $900,000

14E

48

Beaverhall Homes

Regency Estates

905-265-2634

•

from $1250,000

6H

48

Graywood Developments Ltd Regency Estates

905-265-2634

•

from $1250,000

6H

51

Great Gulf Homes

King Oaks

greatgulfhomes.com •

from $1100,000

12A

52

Zancor Homes

Royal Collection

905-833-0883

•

•

from $550,000

12A

53

Treasure Hill Homes

Thornhill Woods

treasurehill.com •

from $880,000

13g

5I

central region: Vaughan, Maple, Woodbridge, Thornhill

Site

M Fi ap nd er

Builder

De ta Se che m d To i w n Co hom nd e o

# Si te

53

1

2

3

4

5

6

7

8

6

G

404

4 17 22 Rd King 24

F

20 3

9

oad

ider

S rson Jeffe

15 16 14

H

19th

d

1

Gam

22

13 23

St

St

St

11

nzie

ath

Str

acKe

rM Majo

ea

N

e Av 404

Dr

st St

P

25 2

Q R

.

Ave

am Denh

O

16th

rn

dW

ick R

dr Wel Bathur

central region: Richmond Hill

7

r

ent

Mill

54

Neal D

St

26

Reg

d

ills R

nM Elgi

8 19 18

K

404

Leslie

d Yorklan

21

J

M

Ave.

ble R

I

L

12

St Yonge

E

5

27

11

t

D

m

Bloo

road

Side

Ave

C

on ingt

Bayview

B

10

Leslie S

A

9

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

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

Price Range

Page No.

4

Aspen Ridge Homes

Kettle Lakes Club

289-231-2849

•

from $550,000

IFC 6D

6

Fieldgate Homes

The Humberlands

905-773-7738

•

from $612,000

Insert 2C

27 Acorn Homes

Oak Knoll

acornhomes.ca

•

2

The Royal at Bayview Glen

905-709-5700

• from $190,000

14 Arista Homes

Jefferson Forest

•

•

from $650,000

4H

15 Madison Homes

Jefferson Forest

905-770-8661

•

•

from $500,000

4G

15 Forest Hill Homes

Jefferson Forest

iloveforest.ca

•

•

from $790,000

4G

16 Fieldgate Homes

Jefferson Forest

905-884-8017

•

•

from $600,000

4H

17 Heathwood Homes

The Reserve at the Woodlands

416-637-3520

•

•

from $748,000

2D

18 Heathwood Homes

Silverwood Lane

heathwoodrichmondhill.com •

•

4K

19 Heathwood Homes

Forestbrook

heathwoodrichmondhill.com •

from $583,000

4K

20 North Star Homes

King’s Crossing

416-291-9666

•

from $440,000

2E

22 Yorkwood Homes

Hillside Manors

905-770-4662

•

from $480,000

25 Treasure Hill Homes

Urbantowns on Bayview

treasurehill.com

•

7Q

26 Arten Development Group

The Manors of Roseview Grand

roseviewgrand.com

• •

from $650,000

Pemberton Group

67 4C

6Q

5I

4L

Richmond Hill

Tel

central region:

Site

Fi M ap nd er

Builder

De ta Se che m d To i w n Co ho n d me o

# Si te IFC-Inside front cover

55

les A

e Ave

Hend

Thornhill ve E

grove

Stee

in Woodb

56

Alder

K

John St

62

45

Dr

d eroa

66

l d yT eroa err erb n Sid d l E ngto i m Bloo 63

St

404

8 Hwy. 4

St

nald

Denison

McDo

ve 14 A

Van

d St Sid dorf

Edwar

59

11 Con

26

Hwy 7

w Ave.

Hwy 7

75

Dr lock 61 Bul y7 Hw

23

Bayvie

J

Ave

24

E

Town of Aurora

t

404

dy Rd

64

28

404

n St 21 ngto 22 Welli

9

.

e Rd

's Sid

hn St Jo

47

47 13

64

Gor

t

S ham

St

404

14

Leslie S

I

Kenne

ve 16 A n Rd r a C lto

n Rd

18

hts

Heig

Dr

54

D

r

D avis

Elgin

13

le ffvil Stou

Rd

r Side

oad

17 20

Milla

34

19

85

rd St

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

ve 19 A

ider da S

3

Rd ton ming Bloo

oa d

18

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

404

oad

es Beth

r Side

hn's St Jo

17

n Rd Vivia

Rd lbert 54 Mt A

16

orf d Van

a Rd or Aur

of Town chhur c e it Wh f ville Stouf

15

an Rd

McCow

H

n Warde

30

ock Mul

Town of Newmarket

80

ard Orch

4

51

Ea

t gle S

Spruce

G

nR

404 y 31 Pkw 81 het Cac

a McCow

65

Ra

25

tS

Main S le Dr ymervil

2 zie n 53 52 8 42 60 12

9 Line

acke

G

12

e Ave

or M Maj

cessio

Town of 50 Markham

46

11

.

ane

L reen

10

44 1 55 7 14

9

in Woodb

d

ills R

nM

10 Con

67 6 35 57 41 11 70

8

y Rd

Kenned

Elgi

7

Bayview Av e

10

e

6

McCow

ve 18 A

v 19 A

5

an Rd

F

4

Ave Warden

E

Thornhill

3

Town of Markham

Town of WhitechurchStouffville

2

t Yonge S

D

Town of Aurora

Town of Newmarket

1

St N

C

B

A

central region: Markham, Aurora, Newmarket, Whitchurch-Stouffville

48

Rd

Main

n Rd

en

56 cessio

Al d

9 Con

cessio nR

Dr

erson

Ave

t

S Yonge

Tel

Price Range

Page No.

Heirloom in Markham

905-201-2804

• •

from $433,000

13 7f

11 Madison Homes

Greensborough

905-201-7700

•

•

from $497,000

31 7F

20 Fieldgate Homes

BlueSky Stouffville

905-640-0002

•

from $473,000

Insert 18f

24 Ballantry Homes

Cornell

905-294-0221

•

•

from $526,000

11 & 31 8F

•

from $450,000

11 8f

5 8g

30 Madison Homes

Cornell Rouge

905-472-9556

•

•

30 Forest Hill Homes

Cornell Rouge

cornellrouge.com

41 Aspen Ridge Homes

Upper Cornell

905-554-3446

•

•

from $495,000

1 7F

52 Fieldgate Homes

Potter’s Bend

fieldgatehomes.com •

•

from $500,000

Insert 6G

54 Beaverbrook Homes

Victoria Highlands

416-924-0110

•

from $450,000

35 16B

59 Primont Homes

Harmony

905-305-8871

•

from $540,000

13 5I

64 Fieldgate Homes

Upper Unionville

905-477-6464

•

•

from $630,000

Insert 5H

65 Fieldgate Homes

Victoria Manor

fieldgatehomes.com •

from $920,000

Insert 3G

Beaverbrook Homes

The Terrace On Rouge Creek

905-640-7360

• •

from $390,000

1

Marydel Homes

Woodland Hills

905-898-7380

•

from $400,000

10B

2

Country Wide Homes

Pavo Point

905-554-5975

•

from $400,000

5F

8

Country Wide Homes

Wismer Commons

905-907-1500

•

•

from $450,000

6F

10 Monarch Corporation

Nichols Manor at Heritage

416-495-3542

•

from $550,000

2F

12 Laurier Homes

windsong

905-201-5979

•

•

from $495,000

6G

12 Laurier Homes

Windsong North

905-201-5979

•

from $598,000

6G

14 Ballygarven Homes

Upper Canada Meadows

905-395-1294

•

from $330,000

11C

17 Conservatory Group

Heritage Estates

905-640-2274

•

•

from $283,000

18E

18 Kylemore Communities

Angus Glen West Village

905-887-9950

•

from $2000,000

4G

20 Starlane Home Corporation BlueSky Stouffville

starlanehomes.com •

from $473,000

18F

26 Arista Homes

Boxgrove

905-201-1102

•

• •

28 Preston Homes

Copper Hills

905-954-4050

•

28 Greenpark Homes

Copper Hills South

from $432,000

8H

from $500,000

14d

CopperHillsSouth.ca •

•

from $585,000

14d

28 Starlane Home Corporation Copper Hills South

CopperHIllsSouth.ca •

•

from $585,000

14d

30 Madison Homes

Forest Hill

cornellrouge.com

•

from $400,000

8F

35 Fieldgate Homes

Greensborough

905-201-6106

•

from $586,000

7F

42 National Homes

Wismer Woods

416-746-1234

•

• •

from $680,000

6G

50 Geranium Homes

The Neighbourhoods of Cardinal Point 905-640-9999

•

•

from $570,000

7F

51 Oxford Homes

Coventry Valley

905-836-8902

from $600,000

9C

53 H&R Developments

Castle Square

hr-newhomes.com

•

6g

55 Country Wide Homes

Woodland Hills

905-907-1500

•

10C

60 Best Homes

Wismer Gardens

905-479-9600

•

from $410,000

6G

62 North Star Homes

Pacific Villas

416-332-8115

•

from $337,000

6G

62 North Star Homes

Mill Fair Village

NorttStarHomesInc.com

•

from $500,000

6G

63 Fieldgate Homes

Bond Lake Village

905-313-1021

•

from $399,000

12J

64 Arista Homes

Upper Unionville

905-534-1564

•

•

from $500,000

5H

64 Paradise Homes

Upper Unionville

905-477-6464

•

•

from $500,000

5H

66 Treasure Hill Homes

Aurora Woods

treasurehill.com •

13H

67 Portside Developments

Greensborough

416-746-1234

•

from $329,000

7F

80 New Era Homes

Landmark Estates

905-953-9046

•

from $380,000

10D

85 Orchard Ridge Homes

Prairiewood

orchardridgehomes.com •

from $800,000

16F

central region: Markham, Aurora, Newmarket, Whitchurch-Stouffville

Primont Homes

Site

M Fi ap nd er

Builder

De ta Se che m d To i w n Co hom nd e o

# Si te 6

57

9

59

Mono Adjala

32

25

14

Schomberg

51

15

King

Bradford Tecumseth and Tottenham65 71 9

11 20

48

Georgina Keswick

e

co

im

eS

k La

11

East Gwillimbury

37 13 55

Barrie 33

50 45 34 70 400 16 17

44

27

400

Alliston61

47

Essa

Beeton

12

0

10

Hwy 5

K

Shelburne

89

40

00

Vespra4

90 48 Lisle 44 2 Angus

Sunnidale

Tosorontio Everett

1

Wasaga Beach

Oro

6

Orillia

11

11

12

29

48

31

Lindsay

Uxbridge

Cannington

7 3

9

26

Scugog

Oshawa

Dr

14

S

401

42

15

27

E

49

400

22

Dr

Ma

iew plev

18

30 Dr

18

19

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

* Due to scale restrictions locators are approximate.

Please see builder’s ads for exact locations.

ark on P

Bay

Mols

Big

17

e Av 35 tle Lit Yo ng eS t t Rd 8 Poin

Steel St

16

Lakesh ore Burton Av Dr e

St

400

lop

Newcastle

Manvers

r

n Du

Barrie

wD levie d R alem Map

Rd agh Ard 4

r lle Mi

og Scug

13

Lake

eon

Georgina Island 33 obcayg B

Mara

10

s Dr

J

58

38

93

69

9

Bracebridge

8

n Vetera

I

H

52

27

27 36

Tay

69

400

7

St

24

60 41

6

irv

G

24

10 5 19 43 34 39

Midland

5

Huron Rd

iew

F

E

4

Fa

Thornbury

7

Georgian Bay

3

ne

An

D

2

t tS

C

1 St.

B

A

Barrie, Collingwood, Wasaga, Innisfil, Keswick

th St

58 Duckwor

north region:

en

nc Vi ia Rd

Tel

Price Range

•

• •

•

• • • •

•

•

•

• •

• •

• • • •

• • •

• •

•

•

• • •

• • •

•

•

•

•

from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from

from from from from

from from from from from from from from from from from from from

$267,000 $780,000 $580,000 $280,000 $210,000 $210,000 $200,000 $170,000 $330,000 $275,000 $155,000 $347,000 $250,000 $253,000 $260,000 $250,000 $316,000 $300,000 $280,000 $200,000 $700,000 $750,000 $270,000 $300,000 $233,000 $233,000 $440,000 $330,000 $250,000 $284,000 $260,000 $298,000 $550,000 $290,000 $300,000 $200,000 $285,000 $500,000 $280,000 $240,000 $300,000 $200,000 $200,000 $298,000 $220,000 $234,000 $280,000 $280,000 $300,000 $311,000 $210,000 $275,000 $225,000 $300,000 $285,000 $340,000 $350,000 $250,000 $500,000 $310,000 $300,000 $285,000 $280,000

Page No.

61 9g 1 7k 63 7I 69 7J 4F 4F 6F 13H 14E 5E 8C 1D 18D 13E 13e 4D 9g 9g 6I 8G 7k 7k 8I 8I 19E 19E 4E 9H 17F 2E 8H 13I 6H 9G 7G 7F 7F 17C 6D 7G 3F 5E 6I 3E 15E 5E 6G 6I 6I 8I 8I 8I 3e 6h 6G 16B 8I 3F 7G 3I 5J 3E 7J 6I 7J

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Site

north region:

Builder

Ballymore Homes Lakeside Meadows 1-877-455-0201 • Aspen Ridge Homes King Country Estates 905-558-0255 • Great Gulf Homes Summerlyn Village 905-775-3461 • Briarwood Homes Mill Street Village millstreethomes.com Pacific Homes Limited MarlLake Village 1-877-428-5115 • Red Berry Homes MarlLake Village 1-877-428-5115 • Starcrest Homes Nottawasaga Village 1-877-534-4445 • Mason Homes Cloverlea Lindsay 705-324-1653

Mancini Homes Princeton Woods 705-730-1978 • Democrat Homes Wasaga Sands 1-866-409-2724 • Mariposa Homes West Ridge 705-329-3330 • Heron Homes & Heathwood Homes Raven Golf Club at Lora Bay 519-599-1900 • Fandor Homes Hamptons on Big Bay Point 705-792-6807 • Grandview Homes Big Bay Point 705-735-0732 • Grandview Homes Bear Creek Hollow 1-866-386-1629 • Berkley Homes Wasaga Beach 1-877-422-1185 • Ballymore Homes The Simcoe 1-877-455-0201 Ballymore Homes The Neptune 1-877-455-0201 Previn Court Homes Victorian Village 1-855-7PREVIN • Southpointe Homes Southpointe 1-888-431-1732 • Rosehaven Homes King Country Estates 905-558-0098 • Country Wide Homes King Country Estates 905-907-1500 • Fernbrook Homes Grand Central 905-778-0873 • Brookfield Homes Grand Central 905-778-0873 • Melody Homes Sunflowers 705-721-7200 • Zancor Homes Sunflowers 705-721-7200 • Pristine Homes Timberwolf Lodge 905-851-1224

Oxford Homes Mount Albert Village 905-251-3203

Kingsview Homes Renaissance Collection 705-734-9518 • Kaitlin Group Ltd. Blue Shores 1-866-625-2583 • Grandview Homes Forest Beach Estates 1-866-386-1629 • B.G. Schickedanz Lake Scugog Meadows North 905-695-1953 • Alliance Homes RidgeHill 705-434-4433 • Alliance Homes Jackson’s Landing 1-866-722-7771 • Country Homes Alcona by the Lake 1-866-531-3424 • Maple Lane Homes Wallace Mills 705-436-7215

Sandiego Homes Lakeside Living in Innisfil 705-436-5445 • Senator Homes Lakeside Cove 705-797-1967 • Sunfield Homes Centre Point 705-734-1887 • Pristine Homes Pebbleshores 705-436-5547 • Brandy Lane Homes Mountain Trails 1-888-445-9608 Stonebridge Building Group Stonebridge by The Bay 1-877-420-0880 • Royalpark Homes Emerald Forest royalpark.com • Delpark Homes Pretty River on Georgian Bay 1-888-257-1999 Mason Homes Just 4U masonhomes.ca/4U • Bremont Homes Centretown 1-877-855-1122 RAYMAC Homes Brennan Enclave 705-516-0681 • Brookfield Homes Treetops 1-855-590-3577 • Orchard Ridge Homes Treetops 1-855-590-3577 • Rosehaven Homes Dreamfields in Bradford 416-410-0175 • Regal Crest Homes Dreamfields in Bradford dreamfieldsbradford.com • Country Wide Homes Dreamfields in Bradford dreamfieldsbradford.com • Devonleigh Homes Inc. Creekside 705-444-0555 • Devonleigh Homes Inc. Parkside by Devonleigh 705-435-9991

Devonleigh Homes Inc. Brownley Meadows 705-423-9662 • Democrat Homes Maplewood democrathomes.com • Brookfield Homes Park Central 905-778-0873

Fram Building Group The Shipyards 705-446-2626

Briarwood Homes Briarwood Estates 705-294-2288 • Lakeview Homes Greenbrook Village 519-217-5944 • Brookfield Homes Fieldstone MyFieldstone.ca • Briarwood Homes Pretty River Collingwood 1-888-257-1999 • Brookfield Homes Willow Glen Tottenham 1-888-720-9508 Far Sight Homes Greenfields 1-855-299-7929 • Ballymore Homes Mill Street Village millstreethomes.com

Fi Map nd er

De t Se ach m ed To i w n Co hom nd e o

# Si te IFC-Inside front cover

11 14 16 71 1 1 2 3 4 5 6 7 8 9 9 10 11 11 12 13 14 14 17 17 18 18 19 20 22 24 25 26 27 31 32 33 33 35 36 37 38 39 40 41 42 43 44 44 44 45 45 45 46 47 48 49 50 52 55 58 59 60 65 70 71

59

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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416.626.4889

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

60 New home guide GTA | january 5 - 19, 2013

n ys! i e da v o M 60 to 0 3

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january 5 - 19, 2013 | New home guide GTA 61

Chinese Home & Condo Guide C

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FRONT COVER 7.5 X 10.5" + BLEED

62 New home guide GTA | january 5 - 19, 2013

AM 2:33:18 PM 11/13/12 10:35:52 11/14/12

LIMITED EDITION Great Gulf PreMIuM COnSerVatIOn lOtS

In BradfOrd SuMMErLyN VILLagE DetacheD homes 50 x 120 ft. Lots

frOM $579,990 2,435 - 3,990 sq. ft.

Visit our presentation centre 22 Downy Emerald Drive Located off Highway 88, just west of Professor Day Drive • 905-775-3461 • Sat & Sun: 11 - 6pm Mon - Wed: 1 - 8pm • Closed Fri • Model homes close 30 min prior to sales centre • GREATGULF.COM

Prices and specifications subject to change without notice. E.& O.E. illustration is artist’s impression. All square footages are approximate. Actual usable space varies from stated floor area.

january 5 - 19, 2013 | New home guide GTA 63

themortgageminute

is a variable rate mortgage

right for you? by peter kinch the lack of profitability on the variable rate industry have led to various lenders reducing mortgages with such high discounts. In the the discounts they previously offered on vari- meantime, what seems to have been lost in able rate mortgages (VRMs), effectively the conversation was the fact that the bond making VRMs a little less attractive than they yields had been steadily dropping for months. were in the past.

This, in turn, led to an increase in the profitWhy have lenders increased the cost of ability on long-term rates. taking a VRM in today’s market? Well, the So while most of the country’s media official reason offered by the banks was that focused on reporting about the fact the Bank there was a lack of liquidity in the markets of Canada (BoC) will not likely be moving rates and the cost of borrowing had increased. soon, no one was drawing attention to the fact Now, of course, we’ll all have to take their that the banks’ profit margins were steadily word on that since the average Canadian does rising as the bond yields dropped. Lenders were not have access to the inner workings of a making significantly more profit on a five-year chartered bank and the true costs of borrow- term than they were selling variable rate morting it incurs. gages with full discounts.

But I do know one thing for certain, given Let me ask you a simple question: if you the limited exposure that I have, is that many were running a business that had two products, lenders had been grumbling for months about and one of them was very profitable and one recent CHANGES IN THE MORTGAGE

64 New home guide GTA | january 5 - 19, 2013

of them broke even or lost money, which would you promote? The end result is that banks would like you to take a five-year fixed rate mortgage and are now making it more attractive for you to do so.

By the numbers – changing spreads and changing guidelines Talking about the price of a five-year mortgage and the spread on the bond yields can be very confusing for the average Canadian. Since most people don’t understand it, the media tends to avoid writing about it. As a result, some glaring discrepancies go unreported and questions remain unasked.

Let’s start with some basics: ›› A bond yield and a bond price have an inverse relationship. Don’t worry about trying to understand that – you simply need to know that if the bond price goes up, the bond yield goes down and vice versa. ›› Canadian banks and lenders use the bond yields to determine their “spread,” or profitability. ›› T hey like to keep the spread to a certain range. For example, five years ago, the spread would be between 90 and 130. That means you take the five-year mortgage rate (say four per cent) and subtract the current five-year bond yield (say 2.95) and the difference should be between 90 and 130. If the difference is below 90, then that is a signal for banks to raise rates. If it is above 130, then they would lower rates. In the above example, 4.00 – 2.95 = 1.05, so that would indicate the rate is within the comfort zone and therefore not likely to move.

Now let’s look at the way things are today: ›› Let’s assume a five-year bond yield is 1.66 per cent ›› A nd a typical five-year published mortgage rate is 3.59 per cent ›› 3.59 – 1.66 = 1.93 Based on the numbers that were used five years ago by the chartered banks, a spread of 1.93 would be .63 over the comfort zone – meaning very profitable – and a signal to lower rates (arguably to as low as 2.96 per cent for a five-year term). However, lenders are no longer using the same model for spreads. In fact, due to (and I quote) “the uncertainty in the bond market is forcing a wider than normal margin until investors see some stability return” – the current range that lenders are going by is 1.75 and 1.95. As such, the spread of 1.93 for today’s interest rates is actually at the high end of the comfort zone, but still within range. Some lenders are offering a quick close special of 3.39 per cent, which puts the spread at 1.73 and therefore out of the comfort zone. Any increase in the bond yield will result in those rates increasing, not decreasing.

Suffice to say, it would appear that the banks are making significantly more profit on five-year mortgages today than they did five years ago. But having said that – they also experienced the global credit crunch of 2008 and saw first hand the impact to global banks when liquidity in the markets disappeared. And although we complain about the profitability of the chartered banks, it was this very fact that made them the envy of the world when their counterparts in other countries suffered. With ongoing credit and financial issues in Europe and the United States, perhaps the Canadian banks are wise to shore up their coffers while they can.

In the meantime, the more investors flock to safe harbours amidst turmoil

and uncertainty in the global markets, the more bonds they will buy. The more they buy bonds, the higher the price goes and as such, the lower the bond yields go. Whether this will translate into lower mortgage rates for you is yet to be determined. And while we could argue that the long-term rates could go even lower or in fact that they should be lower, they are still the lowest they’ve been in a lifetime. So, whether you choose to take a variable with a lesser discount or today’s low long-term rate – one thing is certain: rates are low – if you have a mortgage or you’re planning to get one, take advantage of these low rates today and accelerate your debt reduction.

Stability will eventually return to the markets and investors will eventually shift back to equities. When that happens, bond prices will drop, yields will rise and so too will your long term rates.

In the meantime, enjoy them while they’re here.

peter kinch Peter is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at peter@peterkinch.com

january 5 - 19, 2013 | New home guide GTA 65

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

View looking south east over the site and Lake Wilcox

UNVEILING SOON at Yonge & Bloomington in Richmond Hill, a rare community of distinctive 28’ & 38’ single detached homes backing onto nearly 100 acres of nature.

january 5 - 19, 2013 | New home guide GTA 67

homesmarts

Bid adieu to this old house: How to stage your home for maximum profit

by Marnie Bennett

Bright paint or outdated wallpaper?

Replace them with neutral wall colours and add vibrancy with throw pillows and vases

68 New home guide GTA | january 5 - 19, 2013

As if purchasing a new home isn’t intense enough, homebuyers (with the exception of firsttimers) also have to sell their current properties. The fact is, few homes are ready to go on the market as-is.

It’s not just a matter of tidiness – though that’s certainly crucial. It’s about helping potential buyers to connect emotionally with your space.

That means making your home welcoming to as many people as possible, often at the cost of your own personal taste. This isn’t easy, but a professional stager can help; your realtor may even have one on staff. If a stager isn’t in the cards, there are steps you can take on your own.

First off, de-clutter. Chances are, you’ve got twice as much stuff as you need to show your home to its best potential. In addition to removing obvious messes, this includes things like extraneous furniture, children’s toys, knick-knacks and family photos.

This can be emotionally difficult, but

Marnie Bennett is the marketing consultant for Bennett Property Shop Realty, a full premium service real estate brokerage specializing in marketing and selling new and resale homes, condominiums and investment real estate. Marnie is the host of the weekly radio show the Real Estate Hour, a millionaire real estate investor and a wealth management coach. bennettpros.com

remember: the goal is to make it easy for potential buyers to imagine their own possessions in your space.

Next, fix unfinished projects. If buyers see loose floor tiles and cracks in the wall, they’ll wonder what other issues are lurking under the surface.

Don’t give them cause to worry.

To make rooms appear larger, replace puffy, over-sized furniture with sleeker pieces. In the bedroom, you’re better off showing a queensized bed and two small bedside tables than a king with none. To find the right pieces, you can beg, borrow and, if necessary, lease.

Bright paint or outdated wallpaper? Replace them with neutral wall colours and add vibrancy with throw pillows and vases. Splurge on fresh, sweetly scented flowers for an open house; they’ll pay for themselves.

Mirrors are a wonderful tool for filling empty walls. And, whatever the décor in your bathroom, thick white towels will lend a hotel-like vibe.

For extra curb appeal, give your front door a fresh coat of paint and temporarily take your storm door off the hinges. Invest in two urns; plant them with pretty, seasonal flowers. In winter, cedar branches draped with ribbon are just as beautiful.

I can guarantee that all this work will have a huge payoff, so keep your eyes on the prize. After all, in your brand new home, you can have things exactly the way you want!

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Prices and specifications are subject to change without notice. All renderings are artist’s concept. E. & O. E.

69

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For your free copy please call 416.626.4889 70 New home guide GTA | january 5 - 19, 2013

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

January 5 - 19, 2013

Showcasing new homes in the GTA’s west region

IN THIS SECTION

>> Maps and listings for new-home communities in the west region >> Builder news and the latest in new homes in the west region

72

K

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Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

15

19

Price Range

Page No.

4

Conservatory Group

Central Park North

905-890-0195

•

•

from $465,000

7F

9

Regal Craft Homes

The Neighbourhoods of m

905-828-7888

•

• •

from $305,000

4f

14 Eden Oak

Estates of Credit Ridge

www.edenoak.com •

from $450,000

19 Dezen Homes

McLaughlin

905-696-7938

•

from $544,000

8B

20 Forest Hill Homes

Derry Village Mississauga

905-795-8307

•

from $500,000

8B

23 Dunpar Homes

Park View Trail

416-253-5888

•

from $449,000

11F

27 Dezen Homes

Ravines on Fletcher’s Creek

905-814-7846

•

from $695,000

8B

8I

Mississauga

Tel

west region:

Site

Fi M ap nd er

Builder

De ta Se ch m ed To i w Co nho nd m o e

# Si te IBC-Inside back cover

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Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

34

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Landscapes

905-893-3331

9

Mattamy Homes

Mount Pleasant North

9

Mattamy Homes

Price Range

Page No.

• •

from $390,000

19 & 81 8M

mattamyhomes.com •

•

from $267,000

BC 6P

Mount Pleasant Village

mattamyhomes.com •

•

from $267,000

BC 6P

19 Mattamy Homes

Salisbury Square

mattamyhomes.com •

•

from $287,000

BC 10N

21 Primont Homes

Centretown

905-495-5067

•

• •

from $356,000

12 9M

48 Aspen Ridge Homes

Credit Manor Heights

905-216-5155

•

•

from $400,000

1 7Q

60 Primont Homes

Castlemore

905-856-5777

• •

from $410,000

13 9K

62 Fieldgate Homes

Valley Lands

905-457-0445

•

• •

from $410,000

Insert 9O

66 Ballantry Homes

Spring Valley Village

905-457-3698

•

from $370,000

5 9M

6

National Homes

Gates of Countryside

416-746-1234

•

•

from $290,000

9M

6

Townwood Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Country Wide Homes

Gates of Countryside

905-907-1500

•

from $400,000

9M

6

Regal Crest Homes

Countryside Meadows

countrysidemeadows.ca

•

from $346,000

9M

6

Greenpark Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Royal Cliff Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Starlane Home Corporation Gates of Countryside

starlanehomes.com

•

from $520,000

9M

8

Great Gulf Homes

Castlemore Crossing

905-793-5607

•

from $616,000

10J

10 Stanford Homes

Fletcher’s Meadow

905-456-9398

•

from $292,000

6o

11 Berkshire Homes

Credit Springs

519-938-8449

•

from $434,000

3D

13 Conservatory Group

Walnut Grove in Spring Valley

905-455-2725

•

•

from $250,000

6P

17 Pemberton Group

Rosedale Village Golf & Country Club 905-799-5000

•

• • • from $190,000

18 Saberwood Homes

Heart Lake Village

905-773-6549

8N

25 Heathwood Homes

Terracotta Village at The Credit Valley 905-874-4741

•

30 Gold Park Homes

Castlemore Crossing

905-794-0366

•

32 Forest Hill Homes

Ravines of Castlemore

905-794-8875

•

33 Monarch Corporation

Strawberry Fields

905-843-0707

•

33 Coscorp Inc.

Strawberry Fields

905-843-8989

36 Greenpark Homes

Castlemore

37 Oxford Homes

Adena Ridge

905-584-6444

•

• from $300,000

8L

from $415,000

9Q

from $285,000

10K

from $520,000

8K

•

from $390,000

6M

•

from $310,000

6M

www.greenparkhomes.com •

from $355,000

11L

from $600,000

5H

38 Andrin Homes

Turnberry Townhomes AndrinTowns.com

•

from $320,000

9M

44 Falconcrest Homes

Timberbank Manors

905-230-4663

•

from $310,000

6P

45 Brookfield Homes

Pathways

905-584-2225

•

from $530,000

8K

48 Regal Crest Homes

Credit Manor Heights

yourkingdom.ca

•

•

from $450,000

7Q

48 Country Wide Homes

Credit Manor Heights

yourkingdom.ca

•

from $450,000

7Q

50 Mosaik Homes

The Estates of Spring Valley

905-216-4806

•

•

7P

acornhomes.ca

51 Acorn Homes

Castlegate

•

from $498,000

11K

55 Rosehaven Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

6P

55 Townwood Homes

The Neigbourhoods of Mount Pleasant LoveMountPleasant.com •

•

6P

57 Rosehaven Homes

Riverstone’s Rivers Edge

416-410-0175

•

from $710,000

10K

58 Devonleigh Homes Inc.

Meadowlands

519-942-3312

•

•

from $250,000

3C

64 Meridian Homes

Credit Valley Manors

905-216-5186

•

•

from $400,000

8P

65 Great Gulf Homes

Mount Pleasant

416-679-8466

•

from $500,000

6P

starlanehomes.com •

from $550,000

10k

67 Starlane Home Corporation Rivers Edge

Brampton, Caledon, Bolton

Builder

west region:

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De ta Se che m d To i w n Co ho n d me o

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Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

rk

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De ta Se che m d To i w n Co ho n d me o

17

Mattamy Homes

Hawthorne Village

mattamyhomes.com

2

Great Gulf Homes

Edgewood

905-356-9408

•

from $289,000 12Q

3

Double Oak Homes

Silver Creek Hollow

905-702-8388

•

from $600,000 9d

4

Conservatory Group

Milton Heritage Homes

905-875-1953

•

•

from $275,000 9g

5

Fieldgate Homes

Milton Trails

416-623-1327

•

from $380,000 9H

5

Arista Homes

Milton Trails

905-864-3306

9h

9

Branthaven Homes

Origins

branthaven.com

•

from $300,000 10M

11

Tobyn Park Homes

Village of Walkers Green

905-319-8455

•

from $270,000 11l

12

Tobyn Park Homes

Park City

parkliving.ca

13

Heathwood Homes

The Village at Traditions

905-876-3140

•

13

Lakeview Homes

Morrison Village

1-800-565-5150

•

15

Rosehaven Homes

Waterdown Meadows

waterdownmeadows.com •

18

Parkbridge Lifestyle Communities Inc. Antrim Glen

1-800-856-4318

•

from $250,000 1O

20

Parkbridge Lifestyle Communities Inc. Cherry Hill at Vineland

1-800-479-9777

•

from $250,000 12R

22

Country Green Homes

Park Place Village

905-690-7600

•

26

Eden Oak

Weaver’s Mill

weaversmill.com/nh

•

from $290,000 6B

27

North Star Homes

Valleygreen

northstarhomesinc.com •

from $310,000 9H

28

Intracorp

Foothills

905-864-8997

•

from $490,000 8H

3

Menkes

The Enclaves of Upper Canada

289-891-9103

•

•

from $400,000 9C

34

Phelps Homes

Lakeside Estates

phelpshomes.com •

from $696,000 5Q

35

Phelps Homes

Jordan Village

phelpshomes.com

•

from $345,000 9R

36

Phelps Homes

Brookside

phelpshomes.com

•

from $236,000 7R

37

Phelps Homes

Streamside

phelpshomes.com •

from $316,000 6R

38

Phelps Homes

Magnolia

phelpshomes.com •

from $400,000 7R

Site

Tel

Price Range

•

from $220,000

Page No.

BC 9G

• from $180,000 11l

•

from $418,000 8h

• • 11R

• 8m

• • 8m

Acton, Halton Hills, Milton, Burlington, Waterdown

Builder

west region:

# Si te IBC-Inside back cover

77

1

2

3

4

5

6

7

8

9

10

11

12

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8

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403

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Oakville

6

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9

B

La

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Rd

I

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rlo

Bu

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Rd

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24

Rd

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8

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Main

Cambridge 24

n

Attention Builders - Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

d

eim R

Blenh

An

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

Rd

Elgi

R

vd

Clyde

St.

Q

Bl

ler Rd

Co

d

O

lin Blv

Lang

Hespe

Oakville, Cambridge

h Ave

rdale

St

west region:

Guelp

Beave

n Rd

M

essio

tain Foun

78

ck Rd

le Blo

Midd

Conc

L

s Rd

Myer

St

13

from $590,000

Page No.

8

Monarch Corporation

Bronte Creek

monarchgroup.net

•

3

Dawn Victoria Homes

North Morrison House

905-822-5000

8

Fernbrook Homes

Bronte Creek

905-847-6377

•

from $550,000

3G

8

Legend Creek Homes

Bronte Creek

905-827-6441

•

from $410,000

3F

8

Branthaven Homes

Bronte Creek

905-847-5376

• • from $470,000

3G

9

National Homes

Glen Abbey at Westmount

416-746-1234

•

4G

9

Century Grove Homes

Upper Glen Abbey Estates

905-465-1379

•

•

from $470,000

3G

14

Tribute Communities

The Courtyard Condominium Residences

905-257-6200

• from $260,000

5D

15

Menkes

Millstone On The Park

905-825-3619

•

from $300,000

3G

16

Rosehaven Homes

Woodland Trails

liveinoakville.ca

• •

from $420,000

4D

• from $540,000

IBC 3G

7D

Oakville, Cambridge

Price Range

west region:

Tel

Fi M ap nd er

Site

De ta Se che m d i To w Co nho n d me o

# Si te

Builder

79

trendspotting

1 The Big Mug

2 handle-free

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mugged

JOE. JAVA. CAFÉ. CUPPA COFFEE. WHATEVER YOU CALL IT, THAT BURST OF CAFFEINE ALWAYS MAKES IT EASIER TO START THE DAY. CONSIDERING IT’S THE THE SECOND MOST VALUABLE TRADED COMMODITY IN THE WORLD (SECOND ONLY TO CRUDE OIL) THE WORLD NEEDS A LOT OF MUGS TO KEEP UP WITH CONSUMPTION! CHOOSE A CUP CAREFULLY, YOU NEED A MUG THAT DOESN’T JUST MATCH THE DÉCOR, IT SHOULD MATCH YOUR ATTITUDE. by elisa krovblit

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7 Gold Monogram Mug $14.60. Visit William-sonoma.com. 8 Aladdin Tform Recycled & Recyclable Mug $11. Visit mec.ca 9 Finn Mug $19.95. Visit CrateandBarrel.ca 80 New home guide GTA | january 5 - 19, 2013

81

communityfocus

Find your dream home at Brookfield Homes’ Fieldstone Community

T

here’s a new master-planned community that provides the perfect setting for your family’s dreams to materialize. It’s Brookfield Homes’ Fieldstone community, and it’s now open in the charming, historic town of Mono, steps away from the Island Lake Conservation Area in the Orangeville area and a short drive to Brampton and Toronto.

Featuring grand, estate-style homes on 60-, 70- and 80-ft. homesites, Fieldstone’s designs infuse Colonial, Gothic and Craftsman architectural influences into an eclectic blend of Ontario heritage styles, boasting majestic interiors and striking façades. Modern Green features allow you to save money by making your home airtight and efficient.

Built for family living and entertaining, the modern designs with open-concept layouts feature details such as gleaming hardwood and nine-ft. ceilings on the main floor and a luxurious spa-inspired master ensuite with Corian countertop, as well as separate his and hers walk-in closets (depending on the home design of your choice).

82 New home guide GTA | january 5 - 19, 2013

As for the Fieldstone kitchens, they come complete with granite or quartz countertops, decorative kitchen islands and extended height upper cabinets. Since great views make life more enjoyable, also included with every Fieldstone home is the Panorama View Window, which opens up the rear of your home by allowing more natural light to shine through, not to mention a fantastic view of family and nature in your backyard oasis.

At Fieldstone, life extends past the four walls of your home and into the community. Explore the many trails and attractions within and around the community, and enjoy recreational pursuits from hiking, dog walking and biking to fishing, skiing, playing volleyball and more.

BROOKFIELD HOMES

Fieldstone

To ensure a pleasing streetscape at every turn, each expansive homesite lays in a master-planned and architecturally-controlled community. Whether you take a stroll along the future Fieldstone Community Trail, relax on the granite boulders that double as decorative accents or spend a romantic evening overlooking the pond from the Gazebo and Lookout, you’ll find the neighbourhood, at once stately and natural, is adorned with nature’s gifts.

Mono

The best of Ontario’s rural legacy involves a carefree lifestyle where your family can safely play outside, surrounded by greenery and fresh air. And that’s exactly what you’ll find at Brookfield Homes’ Fieldstone. For more information, please visit myfieldstone.ca or call 1.855.379.1495.

1.855.379.1495 myfieldstone.ca

location housing type Estate-style homes on 60-, 70- and 80-ft. homesites contact

january 5 - 19, 2013 | New home guide GTA 83

Ontario’s Most-Read New Homes Group 6-week issue Dec 8, 2012 - Jan 19, 2013 Volume 15 Issue 22

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homebuyers’help

HomeBuyers’ Resource Section You love the home, see what you can afford!

Compare mortgage rates for your best deal Calculate your mortgage payments using the mortgage payment calculation chart

january 5 - 19, 2013 | New home guide GTA 87

Calculate your mortgage payments interest rate

amortization period

chart figure

example: 5%

25 years

5.82

mortgage amount ÷ 1,000 (mortgage amount $125,000)

125

Follow these steps to see if you’ll qualify for a mortgage on your dream home

01

05

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

Multiply this figure by the amount you need to borrow.

Divide by 1,000.

02

06

Divide by three. This figure is the monthly payment you can afford to make on your home.

Add to this your estimated monthly heating costs and monthly property taxes.

03

07

Take the total price of the home and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.

04

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

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

88 New home guide GTA | january 5 - 19, 2013

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

Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less.

Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

monthly payment

$

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 january 5 - 19, 2013 | New home guide GTA 89

Compare mortgage rates for your best deal CHARTERED BANKS

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

4.55 6.45op

3.65 3.89 2.79 4.39 6.50op

3.99

Canadian Western Bank

4 6.45op

3.1 3.14 3.7 4.64 6.30op

5.24

CIBC 3.2

6.70op

3 3.14 3.5 4.39 6.35op

5.24

HSBC Bank Canada 3

2.7 3.95 2.98 4.99 6.35op

3.49

3.05

3.15

3.65

3.64

3.69

3.44

3

3.25

3.25

3.25

3.25

3.09

3.09 3.14 3.7 3.64 6.30op

3.79

3 3.1 3.15 3.15 4.00op

3.19

ICICI Bank Canada ING Direct

Laurentian Bank n/a

4.45 6.20op

4.4 6.70op

Manulife Bank 3 4.45

MonCana Bank

2.94

3.04

3.09

National Bank n/a

3.1 3.14 3.7 4.64 6.30op

3.99

President’s Choice Finan

4 6.70op

3.2

Royal Bank 3.2

4 6.30op

2.94

3.2

2.99

3.35

3.44

3.1 3.14 2.99 4.64 6.30op

3.24

5.24

TD Canada Trust 3.2 3 3.14 3.7 3.49 5.24

6.30op TRUST COMPANIES AGF Trust

n/a

2.99

3.1

3.5

3.64

3.19

Community Trust

n/a

6.5

3.1

3.35

3.95

4.64

5.24

Effort Trust n/a

4.45 6.30op

3.45 3.8 4 4.6 6.30op

5.1

Home Trust Company

3.95

2.74

3.15

3.09

Investors Group Trust n/a

3.2

4 6.50op

3.1 3.14 3.7 4.64 6.30op

2.69

2.89

5.24

MTCC 3

4.55 6.45op

3.65 3.89 2.79 4.39 6.50op

3.99

Airline Financial C.U. 4

2.99 3.25 3.29 3.09 6.25op

3.49

Comtech Credit Union 2.79

6.6 8.40op

2.99 3.25 3.29 3.19 9.00op

3.29

First National Fin. LP

3.95

OTHER FINANCIAL INSTITUTIONS

3.15

3.09

FirstOntario C.U. 2.79

6.34op

3.09 3.19 3.24 3.29 6.34op

3.24

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 7.00op

5.24

Meridian Credit Union 2.85 4.45

3.1 3.14 3.7 3.4 6.30op

3.28

Parama Credit Union

2.9

3.1

3.15

3.15

3.25

3.5

Steinbach Credit Union

2.5

2.5

2.6

2.8

2.9

3.1

3.19 6.50op

3.35

3.65

3.39

3.49

Teachers Credit Union 4

4 6.50op

4.45 6.30op

2.74

2.69

2.89

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 Dec. 17, 2012. Prepared By Fiscal Agents Financial Information Services 905.844.7700

90 New home guide GTA | january 5 - 19, 2013

National Homes Markham – Wismer Woods Now open in Markham – luxury detached homes from $679,900. nationalhomes.com

hot sheet GTA

BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com.

Please say you saw it in New Home Guide!

new openings Caliber Homes, Canvas Dev., Mosaik Homes, SkyHomes, Monarch Kleinburg – Kleinburg Crown Estates Now open – a community of luxury homes in Kleinburg on 42-, 50-, 60- and 70-ft. lots. kleinburgcrown.com

Fieldgate Homes Brampton – Valleylands of the Credit River Grand opening – stunning collection of 38-, 41, 50-, 60- and 70-ft. singles near the Mississauga boundary. fieldgatehomes.com

Ballantry Homes Markham – Cornell Markham Phase 5 now open – townhomes, semis and singles in the heart of Markham. ballantryhomes.com

Aspen Ridge/CountryWide Homes Kleinburg – Kleinburg Hills Grand opening of single family homes on 40- and 50-ft. lots near Hwy. 27 and Major Mackenzie Dr. kleinburghills.com

Menkes North York – Bloom Park Towns Coming soon – townhomes at Bathurst St. and Finch Ave. menkes.com Wycliffe Homes Woodbridge – Fairground in Old Woodbridge Village Urban town lofts at the Fairground in Old Woodbridge Village. fairgroundlofts.ca Geranium Homes Stouffville – Cardinal Point Grand opening of two new two-storey model homes in this master-planned ravine community. geraniumhomes.com Mattamy Homes Brampton – Mount Pleasant North Now open – this selection of three-storey townhomes and detached homes on 30-, 38- and 45-ft. lots. mattamyhomes.com

Aspen Ridge/Regal Crest CountryWide Brampton – Credit Manor Grand opening of Phase 2 continues – towns and singles, only minutes from Hwys.

401 and 407. yourkingdom.ca Aspen Ridge/CountryWide /Rosehaven Homes Nobleton – King Country Estates Final release on now of court and conservation lots in an exquisite community of majestic homes. kingcountry.ca Fieldgate/Madison/ Arista/Forest Hill Homes Richmond Hill – Jefferson Forest The wait is over – freehold townhomes and detached singles on crescents and cul-de-sacs in a ravine setting. iloveforest.ca Aspen Ridge Homes & Great Gulf Homes King City – King Oaks Now open – two magnificent designerfurnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine. aspenridgehomes.com & greatgulfhomes.com Empire Communities Binbrook – Summerlea Grand opening of 30-ft.-wide semis with two-car parking in an established, mature community. empirecommunities.com

Aspen Ridge Homes Richmond Hill – Kettle Lakes Club Now open in Richmond Hill – a collection of executive townhomes on a protected ravine. aspenridgehomes.com

National Homes Toronto – The Churchill Collection Now open at Spadina and St. Clair, refined townhome residences. churchillcollection.ca

Brookfield Homes Mono – Fieldstone Located near Orangeville, just north of Caledon, single-family homes on 60- and 70-ft. homesites. myfieldstone.ca

new RELEASES Rosehaven Homes & Townwood Homes Brampton – Mount Pleasant New release of freehold towns, attached singles and detached homes on 30-, 38-, 41and 45-ft. lots. lovemountpleasant.com Dunsire Developments Kitchener – Mill Creek Village Grand opening on now – one-, two- and threebedroom townhome designs. millcreekvillage.ca Forest Hill Homes & Madison Homes Markham – Cornell Rouge New release – freehold towns and singles on 30-, 36- and 40-ft. lots with attached garages.

Eight models now open. cornellrouge.com H&R Developments Toronto – Westown New release of only 25 affordable condo suites from 649 sq. ft. in a prime neighbourhood. hr-newhomes.com Tribute Communities Oshawa – Park Ridge New 40-, 50- and never before seen 36-ft. designs on extra deep lots. mytribute.ca

Decade Homes Toronto – Yorkdale Village Grand opening of one- and two-storey townhome close to subway, Yorkdale Shopping Centre and Hwy. 401. yorkdalevillage.com

Madison Homes Markham – Greensborough Final phase release of freehold towns, semis and detached homes on 35- and 41-ft. lots. madisonhomes.ca Lakeview Homes Shelburne – Greenbrook Village Phase 2 now open – 40-ft. homes in Shelburne. greenbrookvillage.ca Primont Homes Brampton – Castlemore Now open – prime towns, semis and singles in a ravine setting. primonthomes.com Great Gulf Homes Oshawa – Stonecrest Last chance to purchase semis and 30-ft. singles. greatgulf.com

Ballantry Homes Brampton – Spring Valley Village New release of semi-detached and detached homes surrounded by valley lands.

Heathwood Homes Milton – The Village At Traditions Special new release pricing in this final phase, including only eight singles. heathwood.com

Menkes Georgetown – The Enclaves of Upper Canada Coming soon – Semi-Links and detached homes in Georgetown. menkes.com

CountryWide Homes Markham – Wismer Commons New release of singles and towns in this fully established community. countrywidehomes.ca

ballantryhomes.com

Monarch Corporation Toronto – Birkdale Now available – townhomes at Ellesmere Road and Midland Avenue. monarchgroup.net

Primont Homes Brampton – Centretown Now open – townhome and single designs.

Fieldgate Homes Vaughan – Vaughan Valley Estates New release – selection of 41- and 50-ft. luxury singles on traditional lots. fieldgatehomes.com Great Gulf Homes Bradford – Summerlyn Village Limited edition detached homes on premium conservation lots. greatgulf.com

primonthomes.com

january 5 - 19, 2013 | New home guide GTA 91

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

92 New home guide GTA | january 5 - 19, 2013

hot sheet GTA

BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com.

Please say you saw it in New Home Guide!

preview registration CountryWide Homes Bradford – DreamFields Register now for priority opportunity of singles and towns coming soon. countrywidehomes.ca Fieldgate Homes Richmond Hill – The Humberlands Grand opening – 30-, 36- and 50-ft. singles close to parks, schools, shopping and more. fieldgatehomes.com Ballymore Homes/Briarwood Homes Tottenham – Mill Street Village Grand opening – towns, semis and detached homes on 33- and 40-ft. lots. millstreethomes.com Brookfield Homes & Jeffery Homes Bowmanville West – Brook Hill Buy now and save on pre-construction pricing in this master-planned community of singles, semis and townhomes in Bowmanville West. brook-hill.ca Mosaik Homes Brampton – Castlemore Crossing & The Estates Of Credit Ridge Coming soon – semis and detached homes in two premier communities. mosaikhomes.com

Mattamy Homes Milton – Hawthorne Village On The Escarpment Coming soon, exclusive new townhome designs on the Escarpment. mattamyhomes.com Menkes Etobicoke – Humber Mews Coming soon – townhomes at Browns Line and Evans Ave. menkes.com Madison Homes Richmond Hill – Jefferson Forest Grand opening coming soon! Register now for a collection of detached homes and freehold towns. madisonhomes.ca Great Gulf Brampton – Mount Pleasant Preview opening at Bovaird and Creditview – full depth lots with unique standard features. greatgulf.com CountryWide Homes Kleinburg – Kleinburg Hills Coming in spring – new community of luxury detached homes. kleinburghills.com Brookfield Homes Tottenham – Willow Glen Coming soon – register now for these singles from the $300’s. brookfieldhomes.ca Rosehaven Homes Kleinburg – Kleinburg Heritage Estates Coming soon – register now for this platinum collection of heritage estate homes. rosehavenhomes.com Monarch Corporation Kleinburg – Kleinburg Crown Estates Coming this fall – 42- and 50-ft. singles to Major Mackenzie Rd. and Hwy. 27 Register today! monarchgroup.net Treasure Hill Homes Richmond Hill – Urbantowns at Bayview Coming soon – register now freehold townhomes at Bayview and Hwy. 7. treasurehills.com

Monarch Corporation Markham – Nichols Manor Estates A limited collection of 70-ft. estate homes coming this fall. Register now! monarchgroup.net

Treasure Hill Homes Vaughan – Thornhill Woods Grand opening – 36- and 40-ft. singles at Dufferin St. and Rutherford Rd. treasurehills.com

Acorn Homes Richmond Hill – Oak Knoll Unveiling soon – distinctive 28- and 38-ft. single-detached homes backing onto nature. acornhomes.ca

Highcastle/Delpark/Esquire Bowmanville – Northglen Pre-construction pricing on bungalows, singles, towns and semis. northglen.ca

Averton Homes Mount Albert – Victoria Highlands Preview opening for this community of bungalows and two-storey homes. victoriahighlands.com North Star Homes Cookstown – Millfair Village Coming soon – luxury 50- and 60-ft. singles in the heart of Cookstown. mymillfair.com Countrywide/Greenpark/Royalcliff/ Starlane/Townwood Brampton – Gates Of Countryside Register now for all new phase of semis and 38- and 47-ft. singles in an established, family-first neighbourhood. gatesofcountryside.ca Brookfield Homes/ Orchard Ridge Homes Alliston – Treetops Register now for this master-planned community right next door to the Nottawasaga Resort. treetopslife.ca Lebovic Homes Pickering – Lebovic Homes Grand opening of large luxurious freehold townhomes, semis and detached homes. lebovichomes.ca Yorkwood Homes Richmond Hill – Hillside Manors Now previewing – luxury town manors, with greenbelt lots available. hillsidemanors.ca Monarch Corporation Ajax Coming soon to Ajax – 40-ft. designs.

Discover a lifestyle infused with nature.

Register now! monarchgroup.net Glen Rouge Homes Ajax – The Cornerstone Coming in September – only 16 detached homes on 42-, 45- and 50-ft. lots from the $500’s. glenrougehomes.com Fieldgate Homes Markham – Victoria Manor Coming soon – register now for luxury singles on 40-ft. lots in a prestigious neighbourhood at Woodbine and Major Mackenzie. fieldgatehomes.com Brookfield Homes Oshawa – Hills of Harrowsmith Coming soon – two-storey designs on 30- and 36-ft. lots . brookfieldhomes.ca

january 5 - 19, 2013 | New home guide GTA 93

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january 5 - 19, 2013 | New home guide GTA 95

fundamentallyspeaking

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

Mortgage essentials

even if that were to happen in your market and housing type, ask yourself: in 10 years, is a home you buy today likely to be worth more or less? If you need an answer to this question, just take a look back at prices 10 years ago. Of course, there are no guarantees, but if you’re in the homebuying anyway, today’s low rate environIt’s a hot topic in a mode ment makes a pretty compelling reason to changing landscape, so act sooner than later to take advantage of learning as much as you these opportunities.

Low rates notwithstanding, the banks, can is time well spent financial firms, brokers and other experts still advise homebuyers to practice smart borrowing – everything from putting down a larger

by Wayne Karl down payment to taking advantage of prepayment options and even “stress-testing” Mortgage interest rates, still at historical your mortgage at a higher rate to ensure your lows and expected to remain so well into this new year, finances can accommodate rate fluctuations represent a window of opportunity for those looking to or other unforeseen circumstances. buy a home. The mortgage industry is ultra-competitive, The mortgage market is a complex lenders often introduce new products and otherwise there beast, and as a prospective homebuyer, are plenty of options for borrowers. these are not lessons you’re going to learn If you could lock in at a overnight – nor do you likely want to. rate over 10 years, for You’re focused on saving a down payment, But just as important is to low example, that gives you the getting your finances in order, searching also spend as much time as comfort of knowing what potential neighbourhoods, choosing a necessary to find a broker or your mortgage payments home and, when buying new, selecting banker you trust and who will be over that period, interior finishings. knows their business. while over that time you But just as important is to also spend can also take advantage of as much time as necessary to find a broker any pre-payment and lump-sum payment options to pay or banker you trust and who knows their down your mortgage. business. More so than in any other area Another appeal of this scenario is that, as we often of homebuying, you’re going to rely on the point out, experts advise you take a long-term view of advice of this member of your team – now your home purchase. For example, there is some talk at more than ever. the moment about cooling prices and softening sales. But It will prove to be time well spent.

96 New home guide GTA | january 5 - 19, 2013

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MONARCHGROUP.NET Prices, specifications and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Square footage includes finished space in lower level. E.&O.E. January 2013. 20104

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