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[ 4-WEEK ISSUE ]

July 20 - Aug 17, 2013 Volume 16 Issue 13 Southwestern Ontario Edition

Jan 21 - Feb 3, 2012 Volume 15 Issue 01

Your Best Source for New Homes and Condos

Kingsbury Square Part of Guelph’s Westminster Woods – all the advantages of condo living in the city’s signature family community.

Occupancy dates this fall!

HOW TARION HELPS INSIDEMAKING SENSE OF INSIDE THIS ISSUE NEW-HOME BUYERS THIS ISSUE MORTGAGE TERMS

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CITY FOCUS: GRIMSBY A BEGINNER’S GUIDE TO & STONEY CREEK ARRANGING A MORTGAGE

MORTGAGE INSURANCE: WELCOME THE NEW YEAR DO YOU NEED IT? WITH A NEW ATTITUDE

7/17/13 12:13 PM


Summer Inventory

SUPER SALE Move In This Year!

COMING SOON: NEW TOWN DESIGNS!

BRANTFORD

INVENTORY HOMES FROM $196,990 @EmpireWyndfield

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HAMILTON

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INVENTORY HOMES FROM $279,990 @EmpireSummerlea

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3 Binhaven Blvd., BINBROOK 905.692.6000

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INVENTORY HOMES FROM $379,990 @EmpireRiverland

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FOR YOUR PRIVATE APPOINTMENT PLEASE CALL 416.789.0288

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Come And Discover Beautiful Detached Home Living In Wildflowers.

Beautiful Detached Homes Available For Under $290,000

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Our collection of floor plans are thoughtfully designed to maximize the living space and offer new thinking for modern needs. For example, we have a home with the Master Bedroom on the main floor. You’ll also find a special package of upgrades on our 30' and 36' Detached homes. We’ll include Granite Kitchen Countertops and Hardwood on the main floor at no charge. Come and see why Wildflowers is fast becoming Kitchener’s most popular new neighbourhood. You’ll find lots of home variety in a community setting that will include park spaces, playgrounds, walking/biking trails, serene ponds and a wonderful old-growth forest. Schools and neighbourhood shopping are in the planning stage. Wildflowers is a perfect pick if you’re looking for a new home in Kitchener.

43' Home, The Violet, Elev. ‘A’, 3,164 Sq.Ft., $469,990

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

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NEW RELEASE OF FREEHOLD

BACK TO BACK TOWNS URBANSTYLE TOWNS FROM THE MID

200s NOW OPEN CENTRE RD.

WATERDOWN

The ideal location in the charming town of Waterdown, a beautiful home you are proud to come home to, picturesque walking trails and a genuine sense of community – you will find it all here, welcome home.

PARKSIDE DR.

6 DUNDAS ST.

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It’s your time, It’s your community, It’s your neighbourhood for life.

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Mon - Thurs 1-7pm Friday by Appt Sat & Sun 11-5pm JUL 20 - AUG 17, 2013 | NEW HOME & CONDO GUIDE SWO 7

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contents

JULY 22 - AUGUST 17, 2013

||

VOLUME 16 ISSUE 13

cover story p.14

REID’S HERITAGE HOMES Kingsbury Square the latest addition to South Guelph’s master-planned community

regular and special features IN EVERY ISSUE 10 EDITOR’S NOTE

83 84

54

HHHBA

66

MADY DEVELOPMENT CORP.

72

RBC ECONOMICS

HOT DATES AD INDEX

COLUMNISTS

26

TARION REPORT

Tarion Warranty Corp. is here to help new-home buyers by Howard Bogach

85

Golf tournament raises money for Habitat for Humanity Hamilton selected to build Burlington waterfront mixed-use development

38

Ontario’s economic growth to pick up the pace in 2013

FUNDAMENTALLY SPEAKING

How have the latest mortgage rule changes affected you? by Wayne Karl

IN THE NEWS

30

EMPIRE COMMUNITIES

42

ROSEHAVEN HOMES & HOMES BY DESANTIS

Empire Communities sponsors Brantford’s Music in the Square

HOMEBUYERS’ HELP

50

INSURANCE NEEDS

62

CITY FOCUS:

Do you need mortgage life insurance? Stoney Creek & Grimsby: treelined streets and thriving industry

77

HOMEBUYERS’ RESOURCES

74

WOODSTOCK

52 74

Mortgage Calculator & Rate Table

Lyon’s Creek model home grand opening a success

community focus features 38

CHIPPAWA

Rosehaven Homes & Homes by DeSantis

invite you to tour seven model homes at Lyon’s Creek in Chippawa

52

BRAMPTON

Empire Communities

Geranium Homes

Life is sweet in the Village at Sally Creek in Woodstock

NEW HOME

watch

19 Waterloo 31 Hamilton 68 London

Empire Communities launches Lakeside in Brampton

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#LiveMortgageFree Mountainview Homes will pay your mortgage payments for one year. (principal and interest.)

Really!

905.323.6232

( No, your piggy bank did not just rob a bank... ) Subject to restrictions. Promotion applies to maximum of $300,000 and to conventional mortgages. Only available on 12 month closings. JUL 20 - AUG 17, 2013 | NEW HOME & CONDO GUIDE SWO 9

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editor’snote

“Get it in writing”

This rule still applies when buying a home

I

n today’s real estate market, the term “get it in writing” has never been more important. In the case of a new home purchase, your Agreement of Purchase and Sale, the contract spells out the terms between you and your developer and/or builder. Without it, if there is a misunderstanding or disagreement, it’s impossible to prove what was agreed upon. Since building a new home is more complicated than a resale transaction where a home and/or property likely already exists, there is no set Agreement of Purchase and Sale or standard contract for buying a new home. In some provinces, builders may have standard contracts prepared by the local home builders’ association or their new-home warranty program. Builders often prepare their own agreements, which can vary from one builder to another and from province to province. Before you sign a contract, review it carefully with the builder and ask questions to make sure you fully understand what’s it in. Your next step is to take it to a real estate lawyer and have it reviewed. Once it is signed it becomes a legal document, so seeking the services of an experienced lawyer is an important step toward ensuring that your dream home becomes a reality.

Susan Legge EDITOR-IN-CHIEF

Wall2Wall Media, susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

VICE-PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill

ASSOCIATE PUBLISHER

Susan Maxwell

EDITOR-IN-CHIEF, NATIONAL REAL ESTATE

Susan Legge ART DIRECTOR

Daiana Garay EDITOR

Wayne Karl CONTRIBUTING EDITORS

Sara Duck Elisa Krovblit Lydia McNutt

EDITORIAL INTERN

Tal Klachook

DISTRIBUTION & SALES CO-ORDINATOR

Jennifer Bistron

ADMINISTRATIVE ASSISTANT

Antoinette Jackson

MANAGER OF PRODUCTION

Bala Gnanapandithan CO-ORDINATOR

Laura Northmore GRAPHIC DESIGNER

Viosa Barileva

NATIONAL ACCOUNT MANAGER, MEDIATIVE

Paul Slizys

CONTRIBUTING WRITERS

Know your builder and warranty

Joanne Keenan Jeffrey Reed PUBLISHED BY

Understand what’s covered – and what’s not

A

s parts of Ontario and elsewhere in Canada are still reeling from severe rainfall, flooding and power outages, it’s the perfect time to discuss new-home warranties. You wouldn’t dream of buying a new car, TV or other big-ticket item without first inquiring about the manufacturer’s warranty, would you? When it comes to buying a new home, you should be even more diligent. Some people may be so excited about their purchase that they’re more interested in choosing finishes than reading the fine print of a sales agreement. Or maybe they assume all builders are created equal, and that certain things are covered, when in fact they may not be. Or it might be a lack of awareness of just how new-home warranties work in Ontario. Welcome to Tarion Warranty Corp. – a non-profit company designed to protect the rights of new-home buyers and to regulate builders. With four main responsibilities – homeowner education, warranty enforcement, builder licensing, and identifying and prosecuting illegal building – it is, unfortunately, a necessary but extremely valuable body. It is also one you should get to know. President Howard Bogach explains how Tarion helps new-home buyers in his column on page 26. Just like for cars or electronic devices, all manufacturers and products are not created equal. Learning about your new-home builder and warranty is a crucial part of the homebuying process.

Wayne Karl EDITOR

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

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

#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 Call Susan Maxwell at 416.580.1654 FAX: 416.784.9554 Toll Free: 1.877.269.8257, follow prompts, ext. 4260; e-mail: susan.maxwell@wall2wallmedia.com Office hours are Mon-Thurs. 9-5; Fri. 9-12

ADVERTISING:

CIRCULATION: Free distribution. Published bi-weekly from Sept.-Nov. & from Feb.-June and monthly in June, July & Dec. TERMS: Advertisers, Editorials and New Home & Condo Guide are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. EDITORIAL: Submissions from interested parties will be considered. Please submit to the address above, to the attention of the Editor. COPYRIGHT 2013: All

rights reserved by New Home & Condo Guide, Toronto, Ontario. 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. 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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A short drive for big savings! 10 minutes could save you over $30,000! Now is the time to buy in Beamsville, a beautiful town just moments down the QEW from Stoney Creek.

Stunning Detached and Townhome Designs starting at only $264,900 • A new 46,000 Sq ft, $15,000,000 Community Centre with NHL sized arena and public library right in Lincoln Square! • Walking distance to schools, retail and downtown shops and restaurants. • 2 Parks on site including a sanctuary pond.

Phase One 70% Sold Out

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289.566.8889 or visit HomesByDeSantis.com

Best Sales Centres of 2012 Award Distinction

Register now on your mobile device For community updates, contests, new home owner information and more, follow us on: Illustrations are artist’s concept. Prices and specifications subject to change without notice.

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Look What’s Coming Ashore in Grimsby

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*Ask your sales representative for more details. Prices, sizes and specifications are subject to change without notice. Renderings are artist’s concept. E.&O.E.

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Live the Life ™

Great Communities Designed For The Way You Live! Improve your lifestyle!

Move in within 30-120 Days! 3-Storey Urban Townhomes Priced From

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coverstory

KINGSBURY SQUARE

K

The latest addition to South Guelph’s master-planned community

ingsbury Square is South Guelph’s most affordable homeowner option to become part of the very popular Westminster Woods, the established, master-planned community of Guelph homes. Occupancy dates available this fall and, for a limited time, all floor premiums are waived. Kingsbury Square’s midrise condos are Guelph’s premier condominiums, very attractively priced, and beautifully integrated into the wider neighbourhood that many have described as “Guelph’s signature family community,” the award-winning Westminster Woods.

Westminster Woods is rich in character and distinctive in charm – with grocery and theatre close by, three schools, numerous walking trails and many parks available for residents. It has proven so popular with the hundreds of homeowners who now live in this community that Reid’s Heritage Homes has modeled its newest community, Westminster Highlands in Fergus, on this vibrant Guelph neighbourhood. Homeowner options at Kingsbury Square range from the 592 sq. ft., onebedroom Napier design, to the 1,117-sq.-ft. Imperial, with three bedrooms and two baths. In all, there are seven Kingsbury floorplans, designed to suit every prospective condo owner. One and two-bedroom designs include the Landseer, the Railton, the Trafalgar, the Whitehall and the Wilkins. All are sustainable homes that feature Reid’s Heritage Homes’ commitment to quality, customer satisfaction and wise design. Feature upgrade options allow homebuyers to tailor their new condo to their wants and needs. Kingsbury Square condos are beautifully designed and well constructed,

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REID’S HERITAGE HOMES

Kingsbury Square

LOCATION South Guelph HOUSING TYPE Midrise condos CONTACT 519.265.0826 reidsheritagehomes.com

with large living spaces and amenities, including a balcony with operating patio doors, maintenance free windows, a five-appliance package, parking space, self-contained vertical heating/cooling unit, separate metering, a secured entrance with intercom system, elevator services and a garbage chute on every level. Like all homes built by Reid’s Heritage Homes, Kingsbury Square homes come complete with a corporate commitment to pride of workmanship, customer satisfaction, care for environment, innovation, service and the creation of family-oriented communities. All of this is embodied in Reid’s Heritage Homes’ industry-leading LiveWise program.

The very creation of Kingsbury Square is testimony to the innovation that is at the heart of Reid’s Heritage Homes’ commitment to modern thinking wedded to timeless values. Westminster Woods now includes a diverse range of home styles, from single detached homes, two-storey townhomes, villas and flats, and the newest Kingsbury Square midrise condos. Each new product offering within Westminster Woods has made it even more complete and diverse in every sense, welcoming people from all walks of life. For more information contact, Debbie, Jennifer or Nicole, New Home Sales Consultants 519.265.0826 | heritagehomes.com

JUL 20 - AUG 17, 2013 | NEW HOME & CONDO GUIDE SWO 15

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Luxury Bungalows Thousands Below GTA Prices! pm... 0 :0 5 y a d r u Sat

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Sizes, prices and specifications are correct at press time and subject to change without notice. All illustrations are artistʼs concept. The ENERGY STAR® WQ-1189 NHG SWO DPS June 22, 13 4 016-017-Geranium Homes 06-22-13.indd 1

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EXT. BRK. BAR

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from

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(SUNKEN) LAUNDRY

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Woodstock’s charming downtown is close by with farmer’s market, summer theatre, state-of-the-art hospital and immediate access to Hwy 401.

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519-290-3466

COVERED PORCH

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mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. *Semi-link models only. **See Sale Rep for details. E.&O.E. 6/18/13 5:29:54 PM 016-017-Geranium Homes 06-22-13.indd 2

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18 NEW HOME & CONDO GUIDE SWO | JUL 20 - AUG 17, 2013

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halton hills wellington waterloo

New Home

watch

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 & Condo Guide!

preview registration mady developments Waterloo | 155Uptown

new releases menkes Georgetown | The Enclaves of Upper Canada

Now previewing – uptown Waterloo living with the best in value, selections, location and building and neighbourhood amenities.

New release of semi-links in this family community backing on to a ravine mature trees.

liveat155uptown.ca

menkes.com

Vanmar Guelph | V2 Condos

reid’s heritage homes Guelph | Westminster Woods

Coming soon to south Guelph, an intimate midrise condominium only minutes to nature trails, golfing, dining and shopping.

v2condos.ca

macpherson builders Fergus | Summerlea

Coming soon – single-family homes from the $280’s. Register today.

mysummerlea.com

losani homes Kitchener | Victoria Common

Grand Opening for this community of “FlexSpace” townhomes.

victoriacommon.ca

new openings mattamy homes Kitchener | Wildflowers

Coming soon – Mattamy’s first master-planned community in Kitchener, with affordable townhomes and detached homes.

Most affordable condos in desirable South Guelph. In an award-winning community, Kingsbury Square’s one- to three-bedroom suites are selling fast.

reidsheritagehomes.com

reid’s heritage homes Guelph | Westminster Woods

Arlington Court is the final opportunity in Guelph signature family community – beautifully designed three-bedroom, two-storey residences starting at $284,900.

reidsheritagehomes.com

Almaa Ayr Cambridge Elora Fergus Georgetown Guelph Kitchener Rockwood Waterloo

fusion homes Guelph | Privada

Final release now underway for this collection of bungalow townhomes.

fusionhomes.com

dunsire developments Kitchener | Mill Creek Village

Traditional or Back-2-Back townhome units with walkouts available.

millcreekvillage.ca

gemini homes Guelph | Creekside

Special release – last lot in Creekside, Cobalt semi-detached with pie-shaped lot now available.

geminihomes.ca

gemini homes Guelph | The Highlands

Semi-detached homes from the $320’s, including A/C and granite kitchen counters. Walkouts available.

geminihomes.ca

reid’s heritage homes Fergus | Westminster Highlands

Grand Opening of new master-planned community in Fergus. Phase One includes, single-family homes, bungalow townhomes and executive townhomes – close to amenities.

reidsheritagehomes.com

fusion homes Guelph | Blueberry Hill

Brand new semi-detached and 30-ft. detached lots.

fusionhomes.com

mattamyhomes.com

gemini homes Guelph | Morning Crest

Energy Star model home is now open. Visit at Watson Road and Couling Crescent for details on available single and semi-detached homes.

geminihomes.ca

juL 20 - aug 17, 2013 | New home & condo guide SWO 19

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Plattsville

Breslau

MILTON, GEORGETOWN, ROCKWOOD, GUELPH, FERGUS, ELORA, ALMA, CAMBRIDGE, KITCHENER, WATERLOO, AYR

Halton Hills / Wellington / Waterloo:

Acton


PAGE

Cambridge

MATTAMY HOMES

Wildflowers

from $289,990

6

Fergus

REID'S HERITAGE HOMES

Westminster Highlands

• •

Guelph

FUSION HOMES

Privada •

Kitchener

BRANTHAVEN HOMES

Joy • from $257,490

13

Kitchener

DUNSIRE DEVELOPMENTS

Mill Creek Village •

Kitchener

EMPIRE COMMUNITIES

Riverland

Kitchener

TERRA VIEW HOMES

Edgewater Estates

• • from $380's

27

Kitchener

LOSANI HOMES

Victoria Common

• from $249,900

55

Kitchener

WILLIAMSBURG HOMES

Eby Estates

• from $339,900

22

Port Elgin

REID'S HERITAGE HOMES

Summerside

BC

28

• from $400's

23

from $283,390

24

from $379,990

2&3

from low $300's

MILTON, GEORGETOWN, ROCKWOOD, GUELPH, FERGUS, ELORA, ALMA, CAMBRIDGE, KITCHENER, WATERLOO, AYR

PRICES

Halton Hills / Wellington / Waterloo:

SITES

De t. Se m Bu i ng a To low w Co nho nd m Ad o e ul tL ife sty le

LOCATION BUILDERS

21

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DISCOVER OUR TOP 10 REASONS TO BUY AT EBY ESTATES WHY EBY ESTATES? WE’VE COMPILED A TOP 10 LIST. Visit our Discovery Centre to learn how our quality-built homes and master-planned community compares with other builders. You’ll see the advantage of receiving incredible upgrades and features that go beyond industry standards. FOR THE MONTH OF JULY, RECEIVE OUR SPECIAL INCENTIVE PACKAGE: $5,000 in free upgrades.

KITCHENER Conestoga Parkway

Energy Star® Qualified Homes

LEARN MORE AT:

From $339,900*

williamsburghomes.ca

*Incentive package: up to $5000.

Homer Watson

Isaiah St.

Gravel Ridge Trail

Fischer-Hallman

2012

7/8

DISCOVERY CENTRE

Bleams Rd.

HWY #8

Exit #278

401

LONDON

or 519.208.5834

TORONTO

MODEL HOME & DISCOVERY CENTRE HOURS: Mon. - Wed. 2 - 7pm | Sat. - Sun. Noon - 5pm ®

*Prices and specifications subject to change. See sales representatives for more details. | ENERGY STAR is administered and promoted in Canada by Natural Resources Canada. Used with permission. July, 2013.

22

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REALIZE LUXURY GUELPH'S MOST EXTRAORDINARY COLLECTION OF BUNGALOW TOWNHOMES

FINAL PHASE NOW UNDERWAY. YOUR TIME TO BE PART OF THIS INCREDIBLE COMMUNITY IS RUNNING OUT.

Privada is Spanish for Private. Privada on the Speed River in Guelph also means luxury bungalow townhomes that are perfectly maintained year-round. With state-of-the-art custom kitchens, dramatic 9' ceilings, inspiring architectural features and hardwood & ceramic throughout, it's the perfect place to really start enjoying life. Another project brought to you by Fusion Homes. Starting from the $400's.

GUELPH HWY.7/

Visit our Model Home: 19 Simmonds Dr, Unit 42, Mon-Wed 2-7pm, Sat-Sun 12-5pm Or by appointment: 519-836-9777 or sales@fusionhomes.com Prices and speciďŹ cations subject to change without notice. E. & O.E.

fusionhomes.com

023-Fusion Homes-Privada 06-08-13.indd 23

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s

es cad

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*

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from

$28

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Presenting the Cascade: Beautiful. Cozy. Just Right. WALK IN CLOSET LOWER HEADROOM

UNFINISHED BASEMENT

RECREATION ROOM

HWT

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13-1 X 10-0

11-9 X 10-9

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DN.

LAUNDRY

13-7 X 18-11

LINEN

BREAKFAST BAR

GARAGE

DN.

UP

9-10 X 19-8 UP

UP

OPTIONAL PANTRY

KITCHEN

BEDROOM 3

10-4 X 11-6

8-5 X 11-0 / 8-5

BEDROOM 2

BREAKFAST DW

UNEXCAVATED

8-4 X 8-4

6-9 X 10-8

FOYER

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UNEXCAVATED

BASEMENT FLOOR PLAN

FIRST FLOOR LEVEL

- 384 SQ.FT.

SECOND FLOOR LEVEL

- 587 SQ.FT.

THIRD FLOOR LEVEL

- 587 SQ.FT.

TOTAL FLOOR AREA

- 1568 SQ.FT.

CASCADE

*

FIRST FLOOR LEVEL

SECOND FLOOR LEVEL

THIRD FLOOR LEVEL

MODEL HOME NOW OPEN

For complete floor plans visit www.millcreekvillage.ca 1.888.519.2346 MODEL HOME HOURS: MON–WED: 4–8 PM WEEKENDS: 1–5 PM HOLIDAYS: CLOSED

A NEW COMMUNITY BROUGHT TO YOU BY

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24

024-Dunsire-Mill Creek Village 07-20-13.indd 24

See Sales Rep for details. Pricing subject to change without notice. E. & O.E.

7/17/13 1:18 PM


Now is the time to buy! stacked towns | quads | townhomes | octominiums semis | detached bungalows | 2-storey detached

as low

$149, 990

eastfo

restho

as

mes.c

om

Over 12 locations to choose from! Baden Country Estates - Baden Carriage Lanes - Cambridge D’Aubigny Forest - Brantford Doon South - Kitchener Eby Estates - Kitchener Grandville - Paris Grasslands at Stauffer Woods - Kitchener Highland Ridge - Cambridge Huron Village - Kitchener Huron Point - Kitchener Huron Landing - Kitchener Riverside - New Hamburg Vista Hills - Waterloo Woodway Trails - Simcoe

FRE

+

up t

o

FRE

E ap

$10

ED

esig

n St

plian

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,000 s

udio

Doll

ars

Prices correct at press time. Pictures are for illustration purposes only. Design Studio bonus promotion only available on new construction. All offers are for a limited time only, are not applicable with any other promotion unless stated and may be cancelled or discontinued at any time. See Sales Representative for details. Broker protected. E. & O. E. 2013

JUL 20 - AUG 17, 2013 | NEW HOME & CONDO GUIDE SWO 25

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tarionreport

Tarion Warranty Corp. is here to help by howard bogach

What if after moving into your new home, you one day discovered that it, along with 20 of your neighbours’ homes, had sunk a half foot into the ground? Imagine placing a deposit on your dream home only to have the builder close up shop without so much as breaking ground. When you buy a new home in Ontario, you can turn to Tarion for help. Tarion staff recently traveled to Southwestern Ontario to meet with a group of residents affected by the recent closure of a builder. In some cases, Tarion will be assuming the warranty for homes already built. In others, buyers of unfinished homes will be making claims to Tarion for financial losses associated with the deposit given to the builder. The other case I referred to was a very complicated situation where Tarion worked with 21 homeowners to raise and repair the sunken homes, while relocating residents for up to two months at a time. In both of these situations, Tarion stepped in to help the homeowners because their builders weren’t able or willing to do so. That is, after all, what we’re here for. Tarion’s role is to backstop the builders’ warranty. Most homeowners have little interaction with Tarion aside from submitting their warranty forms or asking questions about coverage, because they are able to work directly with their builders to resolve their issues. The warranty was designed this way – to set out construction performance and customer service standards that builders must follow. But when something does go wrong along the way, Tarion is there to help. When a homeowner contacts Tarion to make a warranty claim, our process typically involves working with them and their builder to see if we can help them find a resolution. In situations where a builder is unwilling

Howard Bogach is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide. For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/TarionWarrantyCorp.

or unable to address an issue that falls under the statutory warranty, we work directly with the homeowner to resolve the matter. This may mean making repairs to warranted items, hiring experts to find a solution to a very complex problem, or paying out claims for deposits given to a builder who is not able to deliver on his promise to build a home. First and foremost, our goal is always to ensure that homeowners receive the warranty protection they are entitled to, regardless of whether the builder is able or willing to honour the warranty. We are able to protect homeowners because Tarion maintains a strong guarantee fund, which is used to pay out claims. Similar to the way an insurance company operates, we follow recognized accounting and actuarial standards for the insurance industry to ensure we have sufficient resources to meet claims as they arise. Over the years, we’ve worked to provide more protection for homebuyers and better regulation for the industry. We’ve raised the warranty’s liability cap from $100,000 to $300,000, expanded the delayed occupancy warranty, added unauthorized substitution coverage and created many consumer friendly improvements over the years including the MyHome portal. We’ve also introduced an independent Ombudsperson’s Office. What started out, 36 years ago, as a simple warranty for construction is now a very robust warranty that covers homeowners from the time they sign a purchase agreement until seven years from when they take possession. We continue to look for ways to better serve homeowners and provide the most comprehensive new home warranty protection in Canada.

26 New home & condo guide SWO | juL 20 - aug 17, 2013

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distinctive style EDGEWATER ESTATES 40ft & 45ft Homesites in an ESTABLISHED Community on the banks of the MAJESTIC GRAND RIVER from the

3 Decorated Models

$380’s

Ask about our Special Bonus Package!

www.terra-view.com

Model Homes and Sales Centre 6 Tremaine Drive 519-249-9356 Mon - Thur 4:30 - 7:30 Sat & Sun 1:00 - 5:00

We Build Exclusively ENERGY STAR®

JUL 20 - AUG 17, 2013 | NEW HOME & CONDO GUIDE SWO 27

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Life is GRAND in Fergus Renowned homebuilder, Reid’s Heritage Homes is proud to present their newest master-planned community, Westminster Highlands, in historic Fergus. Situated on the banks of the Grand River, Fergus is an ideal location for a variety of lifestyles. The town has preserved its historic ambiance, while evolving to offer every modern convenience. Residents can enjoy an abundance of quaint downtown boutiques, restaurants and pubs tucked into architecturally inspiring buildings. Target, Walmart, Canadian Tire, Starbucks and Tim Hortons are all within walking distance of your new home community.

Single Detached Homes Executive Towns | Bungalow Towns

NOW SELLING! Westminster Highlands has a beautiful selection of homes to suit your specific needs and lifestyle. Visit our Presentation Centre today for more information!

COMING SOON

COMING SOON

Mid-rise Condos

Two-Storey Towns

Situated in this incredible location close to all amenities is this quaint and modern mid-rise condominium complex featuring 2 Bedroom & 2 Bedroom Plus Den Units. Enjoy the sleek, high-end fixtures and finishes, our spacious Fitness Room, and the fully-furnished Party Room with kitchen for your special events.

Enjoy life at its finest in the heart of the Westminster Highlands Community. Our quality-built two-storey townhomes feature ceramic floors, high-end fixtures and finishes and all appliances. Enjoy the charming exteriors and spacious, well-designed interiors in beautiful historic Fergus.

Starting from just $189,900*

Starting from just $269,900*

REGISTER TODAY at reidsheritagehomes.com

REGISTER TODAY at reidsheritagehomes.com

Under 60 min. to: Misssissauga Burlington Oakville Hamilton

Fergus

PRESENTATION CENTRE HOURS: Mon. - Wed. 2pm - 7pm | Sat. - Sun. 12pm - 5pm

Renderings are artist’s concept of the completed buildings and are subject to change. Specifications subject to change without notice. E. & O. E. *Prices subject to change. E. & O. E.

reidsheritagehomes.com 28

Cambridge | Collingwood | Fergus | Guelph | Kitchener | Meaford | Owen Sound | Port Elgin | Puslinch | Thornbury

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BS2013 NH&C FP Ad :Layout 1

7/5/13

7:29 AM

Page 1

COUNTRY LIVING AT ITS FINEST

Sophisticated living at one of Ontario’s premier adult lifestyle communities from only $249,990 Life at the Bridges of Seaforth revolves around our spectacular, 18,000 square foot recreation centre complete with salt water pool, fully-equipped woodworking shop, library, meeting rooms, fitness centre, tennis court, billiards room and hot tub. Your quality-built, Bridges of Seaforth home also comes with five years of free golf* at the on-site championship course. A short, scenic drive takes you to Lake Huron’s historic coast and the towns of Goderich, Bayfield

and Grand Bend. Travel east and you’re in Stratford’s theatre district and the markets of St. Jacobs and Kitchener-Waterloo. To the south, nearby London is home to outstanding shopping and entertainment and world- class medical facilities. At the Bridges, you’ll be as busy as you want to be, but never hurried. Come and meet your friendly new neighbours and discover the lifestyle of your dreams.

1-519-522-2743 TOLL FREE 1-866-522-2743 www.bridgesofseaforth.ca Another community of fine homes from MacPherson Builders. * terms and conditions of free golf are available on our website

029-Bridges of Seaforth 07-20-13.indd 29

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inthenews

Empire Communities

SPONSORS BRANTFORD’S MUSIC IN THE SQUARE

THE SKIES PARTED AND THE PEOPLE GATHERED TO

share in the first evening of the Music in the Square concerts in Brantford on July 5. Sponsored by Empire Communities, Music in the Square is a series of musical concerts taking place every Friday evening during the summer in Brantford’s Harmony Square. July 5 was the fi rst concert featuring Southbound Soul and their captivating music. Empire, celebrating its 20th Anniversary as a builder in Southwestern Ontario and the GTA, was there with birthday cake and cupcakes for everyone in the audience. Empire’s Community of Wyndfield in Brantford was launched more

than a decade ago, and has proven to be one of the most successful new home communities in the area, with more than 1,600 people now living there. Empire’s building roots began in Southwestern Ontario in 1993 and the company has been creating awardwinning prestigious new home communities ever since.

30 NEW HOME & CONDO GUIDE SWO | JUL 20 - AUG 17, 2013

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hamilton halton niagara

New Home

watch

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 & Condo Guide!

preview registration augustine group St. Catharines | Port Place Construction starting soon at this waterfront condominium at Port Dalhousie in St. Catharines. portplacecondos.com carriage gate homes Ancaster | Legacy Coming soon – register now for an outstanding collection of stylish and sophisticated singlefamily homes nestled in an intimate enclave off of Lime Kiln Road. carriagegatehomes.com dawn victoria homes Ancaster | Evergreens on Southcote Pre-construction pricing ends soon for these custom bungalow, bungaloft and two-storey home designs on 42- and 50-ft. lots. dawnvictoriahomes.com cambridge homes Beamsville | Brownstones at the Vineyards Pre-register for Phase 2 of Brownstones – twostorey towns near the wineries of Beamsville Bench. golfiteam.com rosehaven homes Ancaster | Tiffany Hill Coming fall 2013 – Phase 2 release of towns, 36-, 40- and 45-ft. lots from the $400’s. rosehavenhomes.com rosehaven homes/ homes by desantis Stoney Creek | On the Ridge Coming fall 2013 – towns, semis, 35- and 40-ft. lots from the mid $200’s. liveontheridge.ca ljm developments Burlington | Appleby Gardens Now selling – pre-construction pricing on condos starting from $229,000. applebygardens.ca branthaven homes Grimsby | Bravo-by-the-Lake Coming soon – affordable lakeside condos from the $170’s. branthaven.com ADI Development Oakville | Link Condos + Towns Register now for this modern condo community on Dundas at Sutton, adjacent to Bronte Provincial Park. adidevelopments.com

Ancaster Beamsville Binbrook Brant Brantford Burlington Catharines Grimsby Hamilton Milton

forest park homes Fonthill | The Village Landing Pre-register for Fonthill’s newest community – single-family homes and village homes. thevillagelanding.com

Niagara Oakville Paris Port Dover St. Catharines Stoney Creek Vineland

bucci homes Grimsby | Bliss Two-storey freehold executive towns located near 50 Point Conservation Area, priced from the mid $260’s. buccihomes.com

TOBYN park homes Stoney Creek | Stoneywood Park Coming this fall – detached homes and townhomes, on-site greenspace, easy access to highways, conservation area and other amenities. stoneywoodpark.com

Augustine Group Stoney Creek | Treviso Select suites still available at this condominium in downtown Stoney Creek – including corner units and penthouses. trevisostoneycreek.ca

new openings

new releases

losani homes Lower Stoney Creek | Orchard Park Fully decorated model home now open; various lots, pricing and floorplans available. losanihomes.com

branthaven homes Grimsby | Wave Condos Final phase of affordable lakeside boutique condos in Grimsby. branthaven.com

spallacci homes Hamilton | Eden Park Grand Opening of Chateau-inspired semis collection. spallaccihomes.com

empire communities Stoney Creek | Victory New release of two-storey townhomes from $269,990. victoryempire.com

branthaven homes Binbrook | Celebration Grand opening of this two-storey townhome collection in Binbrook’s only forest-edged lots. branthaven.com

Rosehaven homes Chippawa | Lyon’s Creek Coming soon – model homes plus new release of 50-ft. detached lots. rosehavenhomes.com

mountainview homes Welland | Harvest Estates New model home grand opening at this community of single-detached homes. mountainview.com homes by desantis Niagara Falls | Lyon’s Creek Summer closings are available in this community of detached two-storey homes, as well as bungalows and bungalofts. homesbydesantis.com phelps homes Grimsby | The Bedford Collection Model home now open at this private enclave of 28 bungalows a short walk from downtown Grimsby. bedfordcollection.ca mountainview homes Fonthill | The Residences at Lookout Second phase now open – new bungalow collection on 50-ft. lots. mountainview.com

Rosehaven homes Thorold | Gibson Heights Coming soon – new release of towns and model homes. rosehavenhomes.com spallacci homes Hamilton | Eden Park Phase 4 release of exceptional 32and 40-ft. lots. spallaccihomes.com Mattamy homes Oakville | The Preserve Now open – a new release of village homes and 34-, 38- and 45-ft. detached homes. mattamyhomes.com CountryGreen homes Waterdown | The Uptowns of Waterdown New release of freehold back-to-back towns from the mid $200’s. countrygreenhomes.com

juL 20 - aug 17, 2013 | New home & condo guide SWO 31

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Paris

Port Dover

Binbrook

Grimsby

Georgetown

Caledon

Smithville

OAKVILLE, BURLINGTON, HAMILTON, ANCASTER, PARIS, BRANTFORD, STONEY CREEK, VINELAND, LINCOLN, THOROLD, FONTHILL, NIAGARA, NIAGARA-ON-THE-LAKE, FORT ERIE

Halton / Hamilton / Wentworth / Niagara:

Thorold

Welland

Fonthill

Ridgeway

Stevensville

Chippawa

Fort Erie


De t. Se m Bu i ng To alo wn w h Ad ome u l /C t L on ife do sty le

SITES

PRICES PAGE

Ancaster

DAWN VICTORIA HOMES

Evergreens on Southcote

Ancaster

LOSANI HOMES

Ancaster Glen •

Ancaster

ROSEHAVEN HOMES

Tiffany Hill

Beamsville

HOMES BY DESANTIS

Lincoln Square

• •

Binbrook

BRANTHAVEN HOMES

Celebration

Binbrook

LOSANI

Binbrook

• • from $226,900

Brantford

EMPIRE COMMUNITIES

Wyndfield

• • from $196,990 2&3

Burlington

TOBYN PARK HOMES

ParkCity

from the $180's

56

Burlington

LJM DEVELOPMENTS

Appleby Gardens

from $229,000

41

Caledon

MONARCH

The Village of SouthFields • • from high $300's 44&45

Chippawa

ROSEHAVEN HOMES

Lyon's Creek

Fort Erie

from low $400's

49 57

from $480's

65

from $249,900

11

from $246,990

13 59

from mid $200's

40

PARK LANE HOME BUILDERS Garrison Village

• •

from the $250's

54

Georgetown

MENKES

The Enclaves of Upper Canada

from low $400's

35

Grimsby

BUCCI HOMES

Bliss • from mid $260's 43

Grimsby

BRANTHAVEN HOMES

Wave • from $170's

Hamilton

EMPIRE COMMUNITIES

Summerlea

Hamilton

NEW HORIZON

Harvest • from $179,990

Hamilton

SPALLACCI

Eden Park

Niagara

12

• from $279,990 2&3

37

from mid $300's

48

PARK LANE HOME BUILDERS North Ridge Meadows

• •

from the $250's

54

Niagara

PHELPS HOMES

Brookside

• • •

from mid $200's

61

Niagara

PHELPS HOMES

Harvest Heights

• •

from $270's

61

Niagara

PHELPS HOMES

Streamside

• •

from mid $300's

61

Niagara, Fonthill

FOREST PARK HOMES

The Village Landing

• •

from $249,900

51

Niagara on the Lake BW HOMES

Niagara on the Green

• • •

from $200's

Oakville

MENKES

Millstone • from $309,990

Port Dalhousie

AUGUSTINE GROUP CORP.

Port Place

from $297,990

47

St. Catharines

BW HOMES

Victoria Village

• from $289,900

4

Stevensville

PARK LANE HOME BUILDERS Village Creek

Stoney Creek

AUGUSTINE GROUP CORP.

Treviso • from $249,900

36

Stoney Creek

BRANTHAVEN HOMES

Paramount

• • from $284,990

13

Stoney Creek

LOSANI HOMES

Orchard Park

• from $300's

57

Stoney Creek

ROSEHAVEN

On The Ridge

• •

65

Thorold

GREAT GULF

Thorold Rolling Meadows • from $307,990 78&79

Thorold

ROSEHAVEN HOMES

Gibson Heights

• • from $240,000's 65

Waterdown

COUNTRY GREEN HOMES

The Uptowns of Waterdown

• •

from the $250's

from mid $200's

5 34

54

7

OAKVILLE, BURLINGTON, HAMILTON, ANCASTER, PARIS, BRANTFORD, STONEY CREEK, VINELAND, LINCOLN, THOROLD, FONTHILL, NIAGARA, NIAGARA-ON-THE-LAKE, FORT ERIE

Halton / Hamilton / Wentworth / Niagara:

Port Dover

LOCATION BUILDERS

33

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34 NEW HOME & CONDO GUIDE SWO | JUL 20 - AUG 17, 2013

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TREVISO Condominiums

• • • • • • •

A contemporary 7-storey building Architectural facade of stone, brick and stucco Elegant, carefree living at an affordable price A stunning array of suite designs,to select from An established neighbourhood Easy walking distance to shopping Close to highways and public transit On e & T w o B e dro om S u i t e s , M a n y w i t h Dens

Starting from

905-662-6666 • trevisostoneycreek.ca 36

GRAN-TRE-A-AD-NHC-SW-MAY8-3.indd 1 036-Augustine-Treviso 05-11-13.indd 36

QEW

Hwy. 8

Barton St. E. Green Rd.

PRESENTATION CENTRE 319 Hwy #8 (Across from St. Francis Church) Open Saturday and Sunday 12-5pm

Lake Ontario

Lake Ave.

TREVISO

STONEY CREEK Centennial Pkwy.

249,900

$

Red Hill Valley P kwy.

BUY NOW IN MOVE Y EARL 2015

SE L E C T S U I T E S S T I L L A V A I L A B L E

Stoney Creek’s premier condominium is now over 50% SOLD but a fabulous choice still remains, including spacious penthouses and spectacular corner suites!

ONLY 5% DOWN*

BUY NOW MOVE IN EARLY 2015

CONSTRUCTION STARTING!

Artists concept.

St. King

Queenston Rd.

E.

*Prices, plans, specifications and bonus’ are subject to change without notice. E and O.E.

13-05-08 3:57 PM 7/17/13 1:18 PM


NH_Harvest_NHC_July19_F.pdf

1

2013-07-16

12:01 PM

BEAUTIFUL TOWNHOME Living BACKING ONTO BRONTE PROVINCIAL PARK

Welcome to the Insider’s Advantage HOMEBUYER Event

COMING SOON

LUXURY FREEHOLD TOWNS Bountiful Living in Bronte

“insider” preview pricing Prime real estate investment incredible location Limited release of just 24 units. In-demand product type – attractive and affordable back-2-back townhomes Best selection, best value

COMING SOON! REGISTER NOW

COMING SOON! REGISTER NOW

newhorizonhomes.ca newhorizonhomes.ca/INSIDER

037-New Horizon-Harvest 07-20-13.indd 37

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communityfocus

Rosehaven Homes and Homes by DeSantis

invite you to tour seven model homes at Lyon’s Creek location Chippawa housing type Detached two-storey and bungalow lots sales centre Mann Street, off Sodom Rd., just south of Lyon’s Creek Road contact lyonscreekchippawa.com

R

osehaven Homes and Homes by DeSantis invite you to come experience the Niagara Lifestyle and tour the presentation centres and seven model homes. Touring the model homes, it’s easy to see why the designs at Lyon’s Creek are proving to be real showstoppers. Those who fall in love with the Welland 3,244-sq.-ft model home will be thrilled to discover it’s offered for an affordable $403,990 as one of Rosehaven’s brand new release of 14 additional 50-ft. detached twostorey and bungalow lots. The popular Chippawa II bungalow, very similar to the model available to tour, is another crowd pleaser. Freehold 35-ft.-wide townhome bungalows with loft up to 2,728 sq. ft. with double car garages are also available from the low $300’s. At Lyon’s Creek, buyers who appreciate more than 50 years of building experience in homes with only the

38 New home & condo guide SWO | juL 20 - aug 17, 2013

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ROSEHAVEN HOMES & HOMES BY DESANTIS

Lyon’s Creek

With the excitement of Niagara Falls so close, the Lyon’s Creek community, situated just south of the Welland River, is by far the more sought-after residential area just minutes away from shopping, schools, golf course, sports facilities, park and the harbour. finest features and finishes, will be impressed with Homes by DeSantis’ offering of stunning designs starting from the mid $200’s. Purchasers looking for bungalows will discover a selection of designs from 1,200 to 1,788 sq. ft. Tour the innovative 2,588-sq.-ft. Berkshire bungalow with loft boasting a soaring 17-ft. ceiling in the Great Room that sets off the open concept design from an incredible $359,900. Magnificent detached twostorey homes up to 2,926 sq. ft. are set on spacious 45-ft. lots. A wide range of semi-detached homes are available to choose from, including bungalow, bungalow with loft and two-storey designs. Lyon’s Creek is near everything that makes the Niagara lifestyle so appealing. Whether it’s touring the wineries and festivals, enjoying world-class attractions and casinos, hiking, biking, boating, golfing and more, Lyon’s Creek in

historic Chippawa is ideal for your new vibrant lifestyle. With the excitement of Niagara Falls so close, the Lyon’s Creek community, situated just south of the Welland River, is by far the more soughtafter residential area just minutes away from shopping, schools, golf course, sports facilities, park and the harbour. Six detached models and one townhome will be ready for viewing on Saturday, June 22 on Mann Street, off Sodom Rd., just south of Lyon’s Creek Road. For more information, visit lyonscreekchippawa.com

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Live the Niagara

the Welland - rosehaven homes

LifestyLe

Come tour our

7 model homes today!

Get more out of life when you own at Lyon’s Creek in the fabulous Niagara region with so much to see and do. Tour the wineries, visit the sights, golf, boat, hike and more. You’ll wonder why you didn’t move to Lyon’s Creek sooner.

Mann St.

NIAGARA RIVER

St. Main P o

Sodom Rd.

s Lyonk Rd. Cree

To Falls

Marineland Pkwy

Chippawa McLeod Rd.

rta

ge

Rd

.

MODELS & PRESENTATION CENTRES

Fort Erie

the Berkshire - homes by desantis

50’ & 45’ Detached, Semis & Townes starting from the mid $200’s. Visit our Model Homes and Presentation Centres today and see just how easy it will be to start Living the Niagara Lifestyle! sales offiCe hours:

mon - Wed: 2pm - 7pm; sat, sun & hol. 11am - 5pm

homesbydesantis.com 40

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Presentation Centres and Model Homes on Mann St. off Sodom Rd. just south of Lyon’s Creek Rd.

LyonsCreekChippawa.com

rosehavenhomes.com

Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands.

7/17/13 1:18 PM


A Fresh Take on Condo Living

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inthenews

Lyon’s Creek model home

grand opening a success! crowd pleaser. Freehold 35-ft.-wide townlaunched the grand opening of model homes in the Lyon’s Creek com- home bungalows with loft up to 2,728 sq. munity located in Chippawa. Local MPP Kim Craitor and Councillor ft. and double car garages are also available Joyce Morocco kicked off the celebrations with the official ribbon starting from the low $300’s. cutting ceremony and tour of the seven model homes, which were well At Lyon’s Creek, buyers are impressed received by all who attended. with Homes by DeSantis’ offering of stunAlong with the media and interested buyers, excited homeowners ning detached and semi-detached twocame with their friends and family to see the progress of their homes storeys, bungalows, bungalows with lofts and to meet their future neighbours. Seeing the models first hand was and townhome designs starting from the the highlight of the days events, where everyone enjoyed a taste of the mid $200’s. Available to tour is the inNiagara Lifestyle. novative 2,588-sq.-ft. Berkshire Bungalow Touring the model homes, it’s easy to see why the designs at Lyon’s with loft boasting a soaring 17-ft. ceiling Creek are proving to be real showstoppers. Those who fall in love with the in the Great Room that sets off the open Welland 3,244-sq.-ft. model home, will be thrilled to discover it’s offered concept design from an incredible from an affordable $408,990 as one of Rosehaven’s brand new release of $359,900. Purchasers looking for bunga14 additional 50-ft. detached two-storey and bungalow lots. The popular lows will discover a selection of designs Chippawa II bungalow, very similar to the model available to tour, is another from 1,200 to 1,788 sq. ft. Magnificent detached two-storey homes up to 2,926 sq. ft. are set on spacious 45-ft. lots. If you didn’t get the chance to attend our grand opening release, drop in to see these fabulous model homes for yourself. Six detached models and one townhome are ready for viewing now at Lyon’s Creek located on Mann Street, off Sodom Rd, just south of Lyon’s Creek Road. Visit lyonscreekchippawa.com for more information. Recently, Rosehaven Homes and Homes by desantis

42 New home & condo guide SWO | juL 20 - aug 17, 2013

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SALES CENTER NOW OPEN IN GRIMSBY

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SALE OFFICE HOURS Mon. – Thur. 2-7pm Friday by appointment Sat. & Sun. 12-6pm 43

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Where style meets function. COME TOUR OUR 2 NEWLY DECORATED MODEL HOMES. NOW OPEN. Custom bungalow, bungaloft and 2-storey home designs on 42’ & 50’ lots. Fifty-seven homes are only minutes from olde Ancaster and its shops and boutiques, while new adventures in the city or country await. Designed for you, your family, your life – everything you’ll ever need.

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insuranceneeds

Do you need

mortgage loan insurance? Buying a new home and not

sure if you need mortgage loan insurance? Well, if you’re making a down payment of less than 20 per cent of the purchase price (what’s known as a high-ratio mortgage), your lender will almost certainly require you to have mortgage loan insurance. What many consumers don’t realize, however, is that this insurance doesn’t protect you, the homeowner – it protects your lender against mortgage default. But since the mortgage is insured – essentially guaranteed by What many consumers Canada Mortgage and Housing don’t realize, however, Corp. – this program also is that this insurance enables consumers to purchase doesn’t protect you, the homes with a minimum down homeowner – it protects payment of five per cent. Mortgage loan insurance your lender against is not to be confused with mortgage default. mortgage life insurance, which guarantees that your remaining mortgage at the time of your death will not be a burden to your estate. The CMHC Mortgage Loan Insurance premium is calculated as a percentage of the loan and is based on the size of your down payment. The higher the percentage of the total house price/value that you borrow, the higher percentage you will

pay in insurance premiums. If you’re putting down five per cent as a down payment and mortgaging the balance, your loan-to-value (LTV) ratio is then 95 per cent. Generally speaking, the higher the LTV, the greater the premium for mortgage loan insurance. For example, for an LTV of 95 per cent, the standard premium is 2.75 per cent of the purchase price; for an LTV of 90 per cent, it’s two per cent; for an LTV of 85 per cent, the premium is 1.75 per cent, and so on. The premium can be paid in a single lump sum or it can be added to your mortgage and included in your monthly payments. Without mortgage insurance, you may avoid the insurance premium, but you could also pay higher interest rates for the mortgage, as well as additional administrative fees. At the end of the day, for the vast majority of borrowers, the cost of CMHC Mortgage Loan Insurance is more than fully offset by the savings achieved. Under the CMHC Green Home program, buyers may qualify for a 10-per-cent premium refund and extended amortization period without surcharge, for mortgages used to finance an energy-efficient home. For more information, visit cmhc-schl.gc.ca

50 New home & condo guide SWO | juL 20 - aug 17, 2013

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communityfocus

Empire I Communities launches Lakeside in Brampton location Brampton housing type Urban semis, townhomes, semi-detached and detached homes sales centre 11200 McLaughlin Rd. at Wanless Drive contact 905.495.0441 | empirecommunities.com

t is an event that Brampton new homebuyers have eagerly awaited. Empire has launched another new master-planned community – Lakeside. For 20 years, Empire has been creating beautiful communities throughout the GTA and Southwestern Ontario. Lakeside is no exception. Empire is introducing an exceptional community featuring outstanding all new brick and stone home designs in urban semis, townhomes, semi-detached and detached homes on 38-ft. lots. The carefully crafted Lakeside homes are three-, fourand five-bedroom layouts to suit every family size and need. With spacious floorplans, ranging from 1,254 to 3,211 sq. ft., these homes feature welcoming front porches for relaxing with a cup of tea or chatting with neighbours. Inside, families will enjoy the wonderful open concept designs between the kitchen and living room, kitchens with stylish coloured backsplashes, many kitchens with pantries, bathrooms with a curved shower curtain rod and indulgent rain showers in the master bathrooms. Empire has thought of everything. Many of these homes have been designed with a side door entry to allow loved ones to live independently yet together. All homes are Energy Star rated to keep the energy bills lower and create a healthy living environment for families. “It’s all part of Empire’s commitment to providing for the needs of our buyers and their families,” says Paul Golini,

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empire communities

Empire is introducing an exceptional community featuring outstanding all new brick and stone home designs in urban semis, townhomes, semi-detached and detached homes on 38 ft. lots.

executive vice-president of Empire. “These are truly distinctive and unique homes that are adaptable according to the buyers’ needs.” The smaller homes are perfect for young families just starting out. Those homes on larger homesites are designed for that special move-up dream home market or the larger multi-generational families that want to stay together. Lakeside is comprised of five neighbourhoods, each with its own natural features as the name suggests. Waterside is highlighted by a large pond with the Lakeside Gazebo nearby. Woodside is located beside an untouched forest with trails for walking or jogging. Families in Trailside will appreciate the forest as well as walking and biking trails – perfect for those that love the outdoors. By its name, Parkside offers The Lakeside Park with a playground and large fields – great outdoor space for families to play and

Lakeside

picnic. Promenade is ideal for active families with shopping within a short walking distance. Families at Lakeside will not only have the wonders of the outdoors at their doorstep, they will also be close to a host of entertainment options, hospitals, schools and restaurants. The homes at Lakeside are truly affordably priced with urban semis starting at $349,990; townhomes at $399,900; semi-detached homes from $429,990 and detached homes from $599,990. To see these beautiful home designs visit the showroom at 11200 McLaughlin Rd. at Wanless Drive. For more information, call 905.495.0441 or visit empirecommunities.com juL 20 - aug 17, 2013 | New home & condo guide SWO 53

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inthenews

HHHBA Golf Tournament raises $4,340 FOR HABITAT FOR HUMANITY HAMILTON

Niagara’s Best Value

MEMBERS OF THE HAMILTON-HALTON HOME

Builders’ Association helped raise $4,340 at their annual golf tournament recently. Experience the Quality and Value a ParkLane Hosted at the Carlisle Golfofand Country Home! Club, the annual tournament was 3244 a great success. Close to 200 Charleston Dr. - Ridgeway Off Barrington or Dominion take beautiful QEW exit at people attended the event, enjoying the - take Rt. 116 to Ridgeway. weather and a round of Sodom golf,Road along with fantastic OPEN HOUSE prizes. SATURDAY & SUNDAY 1 - 5 pm The money raised will go towards Habitat for Hu$ onlyPresidential manity Hamilton, this year’s charity of choice. Habitat forft.Humanity toRidgeway; eliminate Visit our remarkable 1485 sq. bungalow in aims beautiful

287,000.

LEFT TO RIGHT: Jeff Hodgins; HHHBA Executive Officer Mathieu Langelier; Dianne Murray; and HHHBA President Anthony Chiarella

poverty housing and homelessness throughout the world and the local Hamilton branch continues to make wonderful contributions to our community. The HHHBA is proud to support such an inspiring organization and would like to thank everyone who came out and made this event possible.

a quiet, peaceful community in Niagara. This home has 3 bedrooms, 3 bathrooms, a 2-way gas fireplace, plus a finished family room in the lower level.

Call Ed at 905.651.8857 to view this home today!

PARK L ANE H O M E

B U I L D E R S

Quality Built for Generations of Living Since 1989!

905.685.0688 | www.parklanehomebuilders.com

Gorgeous home back ing onto green space with pond on pie shaped lot.

Quality Built for Generations of Living

905-685-0688

PARKLANEHOMEBUILDERS.COM

STEVENSVILLE WEST MAIN

EAST MAIN

GARRISON VILLAGE

VILLAGE CREEK

CONCESSION RD

Model Open every Saturday & Sunday 1-5pm

LYON CREEK

Prices starting from $250,000

FORT ERIE >

SODOM

< TORONTO

SINGLES AND TOWNS AVAILABLE

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54 NEW HOME & CONDO GUIDE SWO | JUL 20 - AUG 17, 2013

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VicComm Tech NHC July 2013 FIX.pdf 1 7/17/2013 12:36:46 PM

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CMY

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ParkCity_NHC_July16_F.pdf

1

2013-07-17

B u r l i n g t o n ’ s

8:27 AM

f a s t e s t

g r o w i n g

c o n d o

c o m m u n i t y

Autoshare Program & Car Charging System

Save Green & GO into the City

Rooftop Garden Party Terrace

Escarpment Views from your Balcony

Save the Earth Save Money Geo-Thermal Heating & Cooling

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Go Green for less than you’d think! Parkside Condos from $332* Bi-Weekly Freshly priced condos from the $180’s. Home ownership from only $3,000* Down a condo Learn how to plantterrace garden on your

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UPPER MIDDLE RD.

sales office& Model Suite

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Hours: Mon-Thurs 12 pm - 6 pm, Sat-Sun 12 pm - 5pm Fri Closed *Ask your sales Representative for more details. BI-WEEKLY MORTGAGE PAYMENT based on studio UNIT, price of $188,900, PLUS DISCOUNT OF 1%, WITH 25% DOWN PAYMENT, 2.99% interest rate, 5 yr CLOSED WITH 25 YEAR AMORTIZATION. BI-WEEKLY mortgage cost only. Special Limited Time Offer and may be withdrawn at any time without notice. E. &O.E.

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AG OP Shared NHC July 2013.pdf 1 7/17/2013 12:58:31 PM

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»» now available! Get the scoop on builders in the Southwestern Ontario area. AVAILABLE ALL YEAR ROUND! GREATER TORONTO ANNUAL AND EASTERN ONTARIO ANNUAL VIEW

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WHAT WE CALL A MAJOR TRAFFIC JAM IN SMITHVILLE.

Live the good life on up to 60’ lots in wine country. It seems like small towns have become big towns. Big towns are small cities. What if you could have the best of both worlds, and live just minutes from everything, yet wake up to the sound of, well, nothing. We’re talking beautifully crafted homes surrounded by wine country and farmers’ markets. Instead of traffic jams you’ll have conservation areas, bike trails and homemade pies just a hop, skip and a jump away. Starting to sound pretty good isn’t it?

BURLINGTON

EXIT AT CHRISTIE STREET

HAMILTON

GRIMSBY 20

DETACHED AND BUNGALOW TOWNHOMES ON UP TO 50’ LOTS STARTING IN THE MID $200s

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

061-Phelps Homes 04-13-13.indd 61

DETACHED AND SEMI-DETACHED HOMES ON 50’ LOTS STARTING IN THE $270s

NIAGARA

SMITHVILLE

BUNGALOW AND TWO-STOREY HOMES ON 50’ & 60’ LOTS STARTING IN THE MID $300s

1.877.526.5451 | PhelpsHomes.com

61

7/18/13 3:26 PM


cityfocus

Tree-lined streets and thriving industry draw residents to

Stoney Creek & Grimsby

W

hen was the last time you were witness to tree-lined main streets? This phenomenon, along with thriving rural areas, the Niagara Escarpment, Lake Ontario shores, proximity to Ontario’s wine region, 400 acres of parks and expanding highway access – all define “home” for the 63,000 residents of Stoney Creek and 23,900 in the adjacent town of Grimsby. To say these are picturesque towns resplendent with lifestyle opportunities is an understatement. With lakeside locations, marinas and the Fifty Point Marina and Conservation Area, Stoney Creek and Grimsby boast an excellent combination of natural surroundings and modern but comfortable development. Feel like a nice, quiet walk in the woods? There’s the Bruce Trail that winds along the Niagara Escarpment. In the spring, there’s the Hawk Watch, taking place at the Beamer Conservation Area. Numerous golf courses are only minutes away, as are

facilities for hockey, soccer, tennis, softball, racquetball, swimming and curling. Longtime residents as well as recent homebuyers are drawn to the picturesque settings, served by more than 100 businesses, new-home development and improving access to Hamilton and St. Catharines, and all other points around the Golden Horseshoe. Indeed, Stoney Creek and Grimsby are among the fastest-growing parts of the Hamilton region. In recent years, new condominiums have been built along the lakefront beyond the reach of the industrial Hamilton Harbour. Builders – including Empire Communities, Augustine Group, Branthaven Homes, Homes by DeSantis, Rosehaven Homes and Losani Homes – have attracted local residents as well as those relocating from the Greater Toronto Area, thanks to greater affordability and quick access to the western GTA via the Burlington Skyway. Detached housing growth remains strong in developments above the mountain.

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Still, greenspace is abundant, with more than 40 parks totalling 382 acres of land, 23 baseball diamonds, 19 soccer fields and 27 playgrounds. Stoney Creek and Grimsby extend from the shores of Lake Ontario to above the majestic Niagara Escarpment with the QEW right at their doorstep. They are located within 30 minutes of downtown Hamilton and St. Catharines, less than a one-hour drive from Toronto and the U.S. border. Businesses and residents enjoy the ideal mix of a small town, community lifestyle, while maintaining easy access to several major urban centres. In addition to small-town atmosphere, the towns are part of the Gateway to Niagara, offering much more than meets the eye. They are part of the many towns and villages that comprise the Niagara region, an area of 1,800 sq. km. that forms a peninsula of land between Lake Ontario and Lake Erie with a total population of about 432,000. With many on the move to new-home communities in Stoney Creek and Grimsby, the secret is out. The towns offer quiet getaways from city living and an ideal location for commuters heading to Hamilton and Toronto or Niagara. In addition to Empire, Branthaven and Homes by DeSantis, other respected builders active in the area include DiCenzo Homes, Multi-Area Developments and Bucci Homes, boasting a strong selection of newhome communities that offer luxury, detached and townhome living. Like the rest of the Niagara region, Stoney Creek and Grimsby enjoy a thriving agricultural industry, collectively employing large numbers. The area along the QEW, and above and below the Escarpment, is dotted with livestock farms, orchards, vineyards and greenhouses. The greenhouse industry of Niagara boasts in excess of 18 million sq. ft. of space. Some 200 greenhouses and 75 food processing plants employ more than 6,000 with thousands more employed in related industries. Horticulture is supported by extensive training projuL 20 - aug 17, 2013 | New home & condo guide SWO 63

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grams through Niagara College’s Horticultural Centre, The Niagara Parks Commission School of Horticulture and The Horticultural Research Institute of Ontario (University of Guelph), all of which base programs in the Niagara Region. Niagara’s grape industry produces more than 48,000 tonnes per year. New wineries are an example of the region’s ongoing expansion in overall agricultural and food processing. Increased popularity of grape and wine products has created a separate identity and a designated Wine Route that has been posted from Stoney Creek to Niagara Falls, connecting 30 of the area’s 70 wineries offering tours and tasting. Hundreds of thousands of visitors tour this scenic route annually. The wine industry employs more than 5,000 people in wineries, retail, and as suppliers and growers. West Lincoln Memorial Hospital is located in Grimsby and serves 60,000 citizens in town and adjoining municipalities and is also the largest public employer. Larger hospitals with expanded services and facilities are located in nearby St. Catharines and Hamilton. For culture, the September Art Festival and the Grimsby Art Gallery lure hundreds of artists and craftspeople, and thousands of visitors from all over Ontario and the U.S. to view the work of some of Canada’s most outstanding artists. From their roots as service centres to thriving agricultural industry, Stoney Creek and Grimsby have become preferred locales to live and do business in Niagara.

Stoney Creek & Grimsby at a glance Population

 toney Creek, 63,000 S Grimsby, 23,900 Number of public and Catholic schools

10

Average home prices*

April 2013, $379,308 April 2012, $377,951 Source Town of Grimsby, Town of Stoney Creek, CMHC, Canadian Real Estate Association, Tourism Niagara, Statistics Canada, Royal LePage Survey of Housing Prices, Niagara Economic Development Corp. *Hamilton-Burlington and District

64 New home & condo guide SWO | juL 20 - aug 17, 2013

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current communities Chippawa/Niagara 50’ Singles & 35’ WIDE Bungalow Loft Townes from the low $300’s Sodom Rd. & Mann St. 5 Models Now opeN

Thorold 45’, 40’, 36’ Singles, Semis, Attached Singles & Towns from the $240’s Move in this Summer on Select Towns & Attached Singles Richmond St. & Winterberry Blvd. 8 Models opeN

coming soon SToNey Creek 40’ & 35’ Singles and Semis Mud St. & Upper Centennial Pkwy. CoMiNg early 2014 register at liveontheridge.ca

aNCaSTer - phaSe ii 45’ Singles and Introducing Freehold Towns Garner Rd. & Raymond Rd. CoMiNg early Fall 2013 register today at Tiffanyhill.ca

Also building communities in Waterdown, Oakville, Brampton, Kleinburg & Nobleton.

Call our hotline or visit us online for complete directions, hours, community information for all our projects:

rosehavenhomes.com (1-888 / 416) 410-0175

Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands. JUL 20 - AUG 17, 2013 | NEW HOME & CONDO GUIDE SWO 65

065-Rosehaven-Corporate 07-20-13.indd 65

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inthenews

Mady Development Corp. selected to build long-awaited

BURLINGTON WATERFRONT MIXED-USE DEVELOPMENT

After years of planning, Burlington’s

Bridgewater waterfront site is about to undergo a stunning mixed-use transformation. Mayrose-Tycon Group Principal Matt Jaecklein recently introduced Mady Development Corp. as the development and execution firm on the new Burlington project. The ambitious development at the prime Bridgewater site – the downtown waterfront location owned by Mayrose-Tycon for more than two decades – is predicted to inject new life into Burlington’s waterfront across a range of residential and commercial uses. Upon completion, the 1.68-acre, 340,000-sq.-ft. mixeduse development will consist of an eight-storey, 152-unit four-star hotel, 170 luxury condominium units across two towers – expected to sell between $500,000 and $3 million, and all featuring stunning lake views – as well as groundlevel commercial retail space. To appeal to residents in search of the ultimate in waterfront living, the project features a central public square with direct access to the Waterfront Trail and Lake Ontario. “The timing behind our decision to move ahead with this project is rooted in a strong belief in the City of Burlington’s long-term waterfront redevelopment plans, the strength of the local economy, as well as the need for new residential and commercial property and a four-star hotel on this unique parcel of prime land fronting a gorgeous stretch of Lake Ontario shoreline, just steps from Burlington’s downtown core,” Jaecklein said. “We chose Mady Development to build this landmark project based on their long-standing success in mixed-use property development, and their outstanding service record and reputation for on-time, on-budget project delivery.” The development – a critical part of Burlington’s plans to redevelop and revitalize its waterfront – is expected to

Left to right: Mayrose-Tycon Ltd. Principal Matt Jaecklein; Mady Development Corp. Senior Vice-President and Chief Financial Officer Greg Puklicz; Burlington Ward 4 Councillor Jack Dennison; Ward 5 Councillor Paul Sharman; Ward 1 Councillor Rick Craven; Ward 2 Councillor Marianne Meed Ward; Burlington Mayor Rick Goldring; and Mady CEO Charles Mady. [Photo by Nicola Betts]

deliver $250 million in total financial benefits to the local community over 20 years, including 600 man-years of work and 200 full-time jobs. Approximately 300 new residents will occupy the two residential towers. Jaecklein was joined at the announcement by Mady’s CEO Charles Mady and senior vice-president/chief financial officer Greg Puklicz. They outlined the unique architectural and lifestyle opportunities offered by the property’s prime lakeside location and their assessment of the project’s importance to the city’s future. “This project offers unimpeded views of Lake Ontario, direct water frontage access, and is within steps of the quaint shops of downtown Burlington. With a premium brand four-star hotel on board, I expect this development to become Burlington’s crown jewel,” Mady said of the project, designed by Toronto-based architects Page + Steele/IBI Group. “This is a wonderful opportunity for anyone who has dreamed of living on a prime stretch of Burlington waterfront, all in a complex offering splendidly-designed amenities and finishes by Gluckstein Design.” “I am very pleased to see this long awaited project for our downtown come on stream. This project is another step to enhancing the redevelopment of our Downtown,” said Burlington Mayor Rick Goldring. LCL Builds – which was involved in the development of Toronto’s Trump Tower – will contribute to the construction of the Burlington project. For more information, visit mady.com

66 New home & condo guide SWO | juL 20 - aug 17, 2013

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067-NH-SotM JULY-CountryGreen.indd 1

7/18/13 11:00 AM

Model Home Compliments of CountryGreen Homes www.countrygreenhomes.com

SINGLES

BUILDING THESE FINE COMMUNITIES

Awarded “HHHBA 2010 Best Kitchen in a Custom Home” by award-winning builder CountryGreen Homes. (award-winning kitchen not shown above). Visit www.countrygreenhomes.com to view various other award-winning designs.

JULY2013

countrygreen homes has been featured as “model home of the month” as seen in the new home and condo guide model home calendar


LONDON

New Home

watch

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 & Condo Guide!

preview registration eastforest homes London | Andover Trails Register now to qualify for exclusive offers in this community of quadroplex and townhome designs. myandover.ca

new openings geranium homes Woodstock | The Village at Sally Creek Designer decorated models open â&#x20AC;&#x201C; semi-linked and fully detached bungalows and bungalow-lofts in this adult lifestyle community. geraniumhomes.com claysam homes Woodstock | Sally Creek Premium twin town designs now including finished basements. claysamhomes.com claysam homes Woodstock | Neighbourhoods of Devonshire Get affordable homeownership in this community of single-family homes minutes from Hwy. 401. claysamhomes.com

Bayfield Blyth Clinton Grand Bend Ingersoll London Mitchell Seaforth Shakespeare St.Thomas Stratford Tavistock Tillsonburg Wingham Woodstock

new releases auburn developments London | Foxfield Community A variety of housing options are available in this community, including single-family lots. auburndev.com rembrandt homes London | River West Third and final phases coming soon for this bungalow condos surrounded by a beautiful garden oasis. rembrandt-homes.ca Sifton properties Ingersoll | HarrisView Single-family homes on 40- to 50-ft. lots, with some wooded and pondview lots available. sifton.com Cachet reid heritage homes London | Copperfield Final single-family homes available in this community. Single-detached designs close to schools, shopping, recreation and parks. cachetreid.com

68 New home & condo guide SWO | juL 20 - aug 17, 2013

068 Sneak Previews LONDON_VB_WK.indd 68

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16&17

JUL 20 - AUG 17, 2013 | NEW HOME & CONDO GUIDE SWO 69

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7/18/13 3:26 PM


BP2013 NH&C Ad 2 :Layout 1

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believe you can have it all 71

071-Claysam Homes-Devonshire 06-08-13.indd 71

7/17/13 1:20 PM


inthenews

Ontario’s economic growth to pick up the pace in 2013: RBC Economics Ontario’s economic growth is expected

to improve this year and next, due to employment gains, improving trade performance and still-strong housing construction at the start of 2013, according to the latest RBC Economics Provincial Outlook. RBC anticipates real GDP growth of 1.7 per cent in 2013 and 2.8 per cent in 2014, both up from 1.5 per cent in 2012. Ontario’s growth was re-energized in the early stages of 2013 after stalling in the second half of 2012. RBC indicates that Ontario’s international trade deficit decreased slightly, bucking the decade-long deteriorating trend and reducing its drag on economic growth, and the jobs market experienced significant progress. “We saw a jaw-dropping 51,000 surge in employment gains in May as well as year-to-date annual job growth jumping to 2.0 per cent, more than double the increase in 2012,” says Craig Wright, senior vice-president and chief economist, RBC. “These encouraging developments should go a long way in convincing skeptics that Ontario’s economic engine has restarted.” On the external trade front, RBC notes that in the first four months of 2013, exports grew 0.5 per cent,

Ontario’s growth was re-energized in the early stages of 2013 after stalling in the second half of 2012. RBC indicates that Ontario’s international trade deficit decreased slightly, bucking the decade-long deteriorating trend and reducing its drag on economic growth, and the jobs market experienced significant progress.

despite momentary fatigue in motor vehicles and parts – Ontario’s top exports – which last year recorded a significant 17-per-cent increase. With U.S. auto sales in the midst of a solid recovery, RBC anticipates there is scope for further gains in auto sector exports. “Generally speaking, the U.S. economy is on an uptick, which bodes well for Ontario’s economy. We expect U.S. demand for the province’s goods and services to improve in the period ahead,” says Wright. In early 2013, the number of homes (or, more specifically, condos) under construction in Ontario were near 30-year highs, and residential investment remained a factor adding to growth. Nonetheless, RBC expects residential construction activity to slow later this year as sales and starts decline and homes under construction are completed. “While we anticipate slowing residential construction activity will leave a hole in the province’s economic accounts, strong investment in non-residential structures and infrastructures will more than fill it up,” says Wright.

72 New home & condo guide SWO | juL 20 - aug 17, 2013

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OPPORTUNITY.

It’s what you get when you sell your cramped place in the city and

buy your dream home in Tillsonburg for a fraction of the price. It’s also what you get when traffic jams don’t make you miss dinner or the kids’ soccer game. Experience life in the other GTA—the greater Tillsonburg area. For years, Tillsonburg residents have recognized the beauty of a life well lived. Come for a visit and discover your new hometown.

www.DiscoverTillsonburg.ca 73

073-Town of Tillsonburg 06-22-13.indd 73

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communityfocus

Attractive and low-maintenance exteriors

Life is sweet

IN THE VILLAGE AT SALLY CREEK, LOCATION Woodstock HOUSING TYPE Semi-linked, detached bungalows and bungalow-lofts SALES CENTRE Fairway Road at Vansittart Avenue (Hwy. 59) CONTACT 905.471.0803 | geraniumhomes.com

I

f your definition of enjoying life would include nine-holes of golf in the morning followed by lunch with friends at the local bistro and an evening wine tasting with neighbours, you will be right at home at The Village at Sally Creek in Woodstock. If the home you seek offers superior main level living with the option of a finished loft or basement area from a reputable and award-winning home builder, look no further than this wonderful adult-lifestyle community. If you desire great value, energy efficiency and high-level interior finishes in a brand new home, make plans to visit Geranium Homes in Woodstock. Three model homes by renowned Bryon Patton & Associates Interior Design demonstrate comfortable living in Geraniumâ&#x20AC;&#x2122;s semi-linked and fully detached bungalows and bungalow-lofts in this established neighbourhood.

74 NEW HOME & CONDO GUIDE SWO | JUL 20 - AUG 17, 2013

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GERANIUM HOMES

The Village at Sally Creek On the outside, homes combine low-maintenance clay brick, stone veneer and Hardie board siding. Interiors have nine-ft. main floor ceilings, quality kitchens, laminate flooring, and beautiful broadloom (all as per plan). In addition to excellent construction standards, Geranium’s homes are Energy Star for New Homes qualified, featuring third-party verification and up to 20 per cent energy savings (over homes built to Ontario Building Code minimum standards) from the day you move in. Geranium’s semi-linked bungalows on walk-out basement lots range from 1,391 to 1,604 sq. ft. for standard plans, prices start at $289,900. Some premium lots backing onto the golf course are available. Detached designs range from 1,479 to 2,067 sq. ft. on 50-ft. lots overlooking the golf course. Prices start from $339,900 to $424,900. Loft options are available on some plans. A $10,000 Upgrades Bonus is now offered. Sally Creek residents can walk to the nine-hole golf course and year-round bistro. “Golf is just one of the many lifestyle attractions drawing new-home buyers to The Village at Sally Creek premier four-season adultlifestyle community,” says Sue Webb Smith, marketing director for Geranium. Geranium’s purchasers receive a free one-year golf club membership for two. Every home in the adult-lifestyle neighbourhood comes with membership to the community’s Recreation Centre, the first phase of which is now in use. Geranium Homes has been creating family neighbourhoods across Ontario for 36 years. The company has received the industry’s highest awards: Building Industry and Land Development (BILD) Association’s 2012 Home Builder of the Year and the 2011 Canadian Home Builders’ Association Grand SAM Award. The City of Woodstock has 350 hectares of parkland and open spaces, live theatre, a state-of-the-art hospital, local transit system, recreation programs and facilities, social clubs, dining, shopping and a weekly farmer’s market. The Geranium Homes Sales Centre is on Fairway Road at Vansittart Avenue (Hwy. 59) in Woodstock. Hours are 11 a.m. to 5 p.m. Saturday to Wednesday. Closed Thursday and Friday. Call Geranium at 519.290.3466 or 855.457.2559 or visit geraniumhomes.com

Spacious open concept designs

An abundance of greenspace at your doorstep

Plenty of room to entertain

JUL 20 - AUG 17, 2013 | NEW HOME & CONDO GUIDE SWO 75

074-075 CF Geranium Homes-WK.indd 75

7/18/13 10:49:32 AM


IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property. That’s why we put you right in the middle of the search process.

Search your favorite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

Visit the new real estate section on canpages.ca and start looking for that special place.

Powered by

76 NEW HOME & CONDO GUIDE SWO | JUL 20 - AUG 17, 2013

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homebuyersâ&#x20AC;&#x2122;help

HomeBuyersâ&#x20AC;&#x2122; 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

juL 20 - aug 17, 2013 | New home & condo guide SWO 77

077-080-082 Homebuyers Resource.indd 77

7/18/13 2:16:10 PM


ONTARIO’S MOST-READ NEW HOMES GROUP [ 4-WEEk ISSUE ]

[ 4-WEEK ISSUE ]

July 20 - Aug 17, 2013 Volume 16 Issue 13 Southwestern Ontario Edition

July 20 - Aug 3, 2013 Volume 21 Issue 14

Jul 13 - Aug 10, 2013 Volume 17 Issue 14

Jan 21 - Feb 3, 2012 Volume 15 Issue 01

Your Best Source for New Homes and Condos

Kingsbury Square Part of Guelph’s Westminster Woods – all the advantages of condo living in the city’s signature family community.

Occupancy dates this fall!

GET UP TO $24,000 CASH BACK! inside this issue

ROLE OF GOVERNMENT IN HOME AFFORDABILITY

LOCATION, LOCATION AND COMMUNITY

inside this issue

CONDO DÉCOR: HARDWOOD MADE EASY

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28/06/13 12:14 PM 08/07/13 14:45:19

THE ROLE OF GOVERNMENT IN HOME AFFORDABILITY

NEW LOWRISE HOME SALES CONTINUE TO CLIMB

LOCATION, LOCATION AND COMMUNITY

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[ 4-WEEk ISSUE ] July 13 - Aug 10, 2013 Volume 13 Issue 13

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HOW TARION HELPS INSIDEMAKING SENSE OF INSIDE THIS ISSUE NEW-HOME BUYERS THIS ISSUE MORTGAGE TERMS

CITY FOCUS: GRIMSBY A BEGINNER’S GUIDE TO & STONEY CREEK ARRANGING A MORTGAGE

MORTGAGE INSURANCE: WELCOME THE NEW YEAR DO YOU NEED IT? WITH A NEW ATTITUDE

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FREE 各式電子工具都可瀏覧

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CONDO LIVING AND THE SINGLE WOMAN

WHAT’S COVERED IN YOUR NEW-HOME WARRANTY?

THE REAL COST OF BAD MORTGAGE ADVICE

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Profiling a selection of the GTA’s top home & décor shops and services

WE HELP GET YOUR HOME READY FOR SUMMER

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Yanic Simard’s

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Janette ewen’s outdoor party planning tips

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Create a personalized baCkyard oasis

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106 NEW HOMES SOUTHWESTERN ONTARIO | JANUARY 12 - 26, 2010

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WE ARE THE LARGEST MAGAZINE DISTRIBUTION SYSTEM IN ONTARIO.

SPRING 2013

2013 The Only Complete Resource Directory of Southwestern Ontario Home Builders

THE WORLD IS COMING to TORONTO THE LATEST ADDRESSES YOU NEED TO KNOW

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2013 US

The Only Complete Resource Directory of GTA Home Builders

AN IN-DEPTH LOOK AT

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AN IN-DEPTH LOOK AT THE

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Residential construction industry drives the economy Get peace of mind with your Tarion warranty

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AN IN-DEPTH LOOK AT

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Residential construction industry drives the economy

US

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The Only Complete Resource Directory of GTA Condominium Builders

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2013

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Please recycle our magazines! Wall2Wall Media participates in the Partner’s In Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over two 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.

Brought to you by

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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

MONTHLY PaYMENT

$

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.)

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.

80 new home & condo guide swo | juL 20 - aug 17, 2013

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moRtgAge PAYment calculatIon cHart %

aMORTIZaTION PERIODS

inteRest RAtes

10 YeARs

15 YeARs

20 YeARs

25 YeARs

30 YeARs

3.00%

9.65

6.90

5.54

4.73

4.21

3.25%

9.76

7.02

5.66

4.86

4.34

3.50%

9.88

7.14

5.79

4.99

4.48

3.75%

9.99

7.26

5.91

5.13

4.61

4.00%

10.11

7.38

6.04

5.26

4.76

4.25%

10.23

7.50

6.17

5.40

4.90

4.50%

10.34

7.63

6.30

5.53

5.04

4.75%

10.46

7.75

6.44

5.67

5.19

5.00%

10.58

7.88

6.57

5.82

5.34

5.25%

10.70

8.01

6.74

5.96

5.49

5.50%

10.82

8.14

6.85

6.10

5.64

5.75%

10.94

8.27

6.98

6.25

5.79

6.00%

11.07

8.40

7.12

6.40

5.95

6.25%

11.19

8.53

7.26

6.55

6.11

6.50%

11.31

8.66

7.41

6.70

6.26

6.75%

11.43

8.80

7.55

6.85

6.42

7.00%

11.56

8.93

7.69

7.00

6.59

7.25%

11.68

9.07

7.84

7.16

6.75

7.50%

11.81

9.21

7.99

7.32

6.91

7.75%

11.94

9.34

8.14

7.47

7.08

8.00%

12.06

9.48

8.28

7.63

7.25

8.25%

12.19

9.62

8.44

7.79

7.42

8.50%

12.32

9.76

8.59

7.95

7.59

8.75%

12.45

9.90

8.74

8.12

7.76

9.00%

12.58

10.05

8.86

8.28

7.93

9.25%

12.71

10.19

9.05

8.45

8.10

9.50%

12.84

10.33

9.20

8.62

8.28

9.75%

12.97

10.48

9.36

8.78

8.45

10.00%

13.10

10.63

9.52

8.95

8.63

10.25%

13.24

10.77

9.68

9.12

8.80

10.50%

13.37

10.92

9.84

9.29

8.98

10.75%

13.50

11.06

10.00

9.46

9.16

11.00%

13.64

11.22

10.16

9.63

9.34

11.25%

13.77

11.36

10.32

9.80

9.52

11.50%

13.91

11.52

10.49

9.97

9.70

11.75%

14.04

11.66

10.65

10.15

9.88

12.00%

14.18

11.82

10.81

10.32

10.06

12.25%

14.32

11.97

10.98

10.49

10.25

12.50%

14.46

12.13

11.15

10.67

10.43

12.75%

14.59

12.28

11.31

10.85

10.61

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 juL 20 - aug 17, 2013 | new home & condo guide swo 81

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Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

5 years

ATB Financial 2.5

4 6.30op

3.1 6.30op

3.14 3.55 4.39 6.50op

3.54

Alterna Svgs/Alterna Bk 2.85

4 6.30op

3.05 3.09 3.09 3.24 6.30op

3.31

Bank of Montreal 3.1

4 6.30op

3.14 3.14 3.75 4.54 6.30op

3.59

Bank of Nova Scotia 3

4.55 6.45op

3.75 2.89 3.99 3.29 6.50op

4.99

Canadian Western Bank

4 6.45op

3.14 3.14 3.75 4.54 6.30op

5.14

CIBC 3 6.70op

3.09 3.14 3.75 3.29 6.35op

5.14

HSBC Bank Canada 3

2.7 3.95 2.98 4.99 6.35op

3.49

4.45 6.20op

ICICI Bank Canada

3.05

3.15

3.65

3.64

3.69

3.99

ING Direct

2.75

3

3

2.99

3.09

3.39

3.14 3.19 3.75 4.54 6.30op

5.14

Manulife Bank 3 4.45

3.25 3 3.15 3.2 4.00op

3.29

MonCana Bank

3.29

3.39

3.54

National Bank n/a

3.14 3.14 3.75 4.54 6.30op

3.69

Laurentian Bank n/a

Presidentâ&#x20AC;&#x2122;s Choice Finan

4.4 6.70op

4.4 6.70op

3

Royal Bank 3

4 6.30op

TD Canada Trust 3

3.35

3.15

3.39

3.49

3.69

3.14 3.14 3.75 3.39 6.30op

3.29

3.69

3.09 3.14 3.65 3.29 3.69 6.30op

TRUST COMPANIES Community Trust

n/a

Effort Trust n/a Home Trust Company

3.2

6.5

3.14

4.45 6.30op

3.25 3.6 3.9 4.5 6.30op

3.19

4.95

2.89

3.65

2.94

4.54

5.14

3.95

2.79

3.09

3.49

Investors Group Trust n/a

4.2 6.50op

3.14 3.14 3.75 4.54 6.30op

5.14

MTCC 3

4.55 6.45op

3.75 2.89 3.99 6.50op

4.99

3.29

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U. 4

3.33 3.65 3.99 3.01 3.1 6.25op

Comtech Credit Union 2.79

6.6 8.40op

2.99 3.25 3.29 3.19 9.00op

3.14

First National Fin. LP

3.95

2.99

3.24

3.54

FirstOntario C.U. 2.7 6.34op

3.09 3.14 3.34 3.19 6.34op

3.39

London Life n/a

3.14 3.14 3.75 4.54 6.30op

5.14

Luminus Financial 2.95

2.96 3.95

3.05

3.35

MCAP 2.7

3.6 3.95 4.35 4.89 7.00op

5.14

Meridian Credit Union 2.85 4.45

3.1 3.14 3.55 2.98 6.30op

3.29 3.25

4.2 6.50op

2.89

2.96

3.09

2.95

Parama Credit Union

2.9

3

3

3.15

3.25

Steinbach Credit Union

2.5

2.5

2.6

2.7

2.8

3

3.1 6.50op

3.09

3.09

3.19

3.29

Teachers Credit Union 4

4.45 6.30op

Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice. R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE June 16, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

82 New home & condo guide SWO | juL 20 - aug 17, 2013

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hotdates

JuLY 20-21

Home County Music & Art Festival VICTORIA PARK LONDON

July 20 to Aug 17

Calendar of events beginning from July 20 to Aug 17, 2013

Home County is renowned for its stellar musical line-up and beautiful hand-made crafts. The family friendly, all ages event is highly accessible in a heritage park in downtown London. homecounty.ca

aug 1-4

2013 ICF Junior and Under-23 Canoe Sprint World Championships WELLAND INTERNATIONAL FLATWATER CENTRE WELLAND

Canoe Niagara 2013 will be held on the International Flatwater Centre's North Course in Welland. This prestigious International World Championships will host nearly 1,200 athletes from 55 countries.

aug 9-11

Summer Splash 2013 WILD WATERWORKS, HAMILTON

Fun family games, live entertainment, volley ball contests and more. Splash around in the Waves or relax in the Eazy river. wild-waterworks.com

aug 9-11

Brantford Kinsmen Annual Ribfest COCKSHUTT PARK BRANTFORD

Three days of warm weather and sunshine in August are in store for the Brantford Kinsmen Annual Ribfest at Cockshutt Park. An astonishing amount of mouth watering ribs and chicken. btfdribfest.exofire.net

canoeniagara.ca juL 20 - aug 17, 2013 | New home & condo guide SWO 83

083 Hot Dates_MT-WK.indd 83

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advertiserindex augustine group: Treviso

36

Losani homes: Ancaster Glen/Orchard Park

57

augustine group: Port Place

47

Losani homes: Binbrook

59 29

Bayview Wellington: Victoria Village

4

macpherson builders: The Bridges of Seaforth

Bayview Wellington: Niagara-on-the-Green

5

mattamy homes: Wildflowers

branthaven Homes: Multi-site

12 & 13

menkes developments: Millstone on the Park

6 34

bucci Homes: Bliss

43

menkes developments: Enclaves of Upper Canada 35

Claysam Homes: Neighbourhoods of Devonshire

71

Monarch: The Village of South Fields

7

Mountainview Homes: Corporate

Countrygreen Homes: The Uptowns of Waterdown

44 & 45 9

dawn victoria Homes: Evergreens

49

new horizon Homes: Harvest

37

dunsire developments: Mill Creek Village

24

PARK LANE HOME BUILDERS: Multi-site

54

eastforest Homes: Corporate

25

phelps homes: Multi-site

61

Empire Communities: Multi-site

2&3

reid’s heritage: Heritage Lake Estates

BC

forest park homes: The Village Landing

51

reid’s heritage: Westminster Highlands

28

fusion homes: Tarion

18

rosehaven homes: Multi-site

65

fusion homes: Privada

23

rosehaven homes: Lyon’s Creek

40

geranium Homes: The Village at Sally Creek

16 & 17

spallacci homes: Eden Park

48

Great gulf: Thorold

86 & 87

terra view homes: Edgewater Estates

27

Homes by DeSantis: Lincoln Square

11

tillsonburg developments: Baldwin Place

70

Homes by DeSantis: Lyon’s Creek

40

tobyn park homes: ParkCity

56

LJM Developments: Appleby Gardens

41

town of tillsonburg: Corporate

73

Losani homes: Victoria Common

55

williamsburg homes: Eby Estates

22

84 New home & condo guide SWO | juL 20 - aug 17, 2013

084 Advertisers index-WK.indd 84

7/18/13 10:49:44 AM


fundamentallyspeaking

HOW HAVE THE

new mortgage rules affected you? by WAYNE KARL

IT’S BEEN SLIGHTLY MORE THAN a year since the latest round of mortgage rule changes took place – July 9, 2012, to be exact. At the time, there was much handwringing from various parties – from builder associations to real estate experts to economists – that the new regulations would have too much of a cooling effect, at a time when the economy was wavering and parts of the housing market were softening. A common concern was that many young, prospective homebuyers would be negatively impacted by the new rules, and the fallout would trickle down and cause a slowdown in the overall housing market. Did such predictions turn out to be true? FIRST, LET’S REVISIT THE CHANGES: » The maximum amortization period was reduced to 25 years from 30. It was 35 years in 2008, and was reduced to 30 years in 2011. » The maximum amount of equity homeowners can take out of their homes when refinancing was lowered to 80 per cent from 85. » Insured mortgages would be available only to homes with a purchase price of less than $1 million. » The maximum gross debt service ratio was fi xed at 39 per cent and the maximum total debt service ratio at 44 per cent.

Wayne Karl is an awardwinning 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

Like most things real estate, the answer as to the accuracy of the forecasts depends on the specifics – of market location and type, and who the buyers are. At least one source, BMO Bank of Montreal, has produced a report that suggests fear of the changes may have been unwarranted: the majority (66 per cent) of first-time buyers indicate that the changes have not affected their timeline for buying their first home; one-in-five (19 per cent) said the changes have prompted them to wait longer to buy, while 14 per cent will buy sooner. BMO, in fact, goes as far as to say the new mortgage rules actually helped the real estate market, not hinder it, in that they contributed to a soft landing. “While Canadian home sales weakened markedly at the time of the mortgage changes a year ago, they have since stabilized and have even partially recovered in recent months,” says Doug Porter, chief economist, BMO Capital Markets. The survey also reveals that first-time buyers in Ontario are the most likely (76 per cent) to say that the mortgage rule changes will not affect their buying timeline. Buyers in BC – particularly Vancouver, Canada’s most expensive market – meanwhile, are the most likely (33 per cent) to wait longer to buy their first home because of the measures. Although shorter amortizations, in this case, were mandated by government, BMO and other lenders have long stressed the advantages of paying off your mortgage as quickly as possible. Saving as large a down payment as possible, getting pre-approved for a mortgage, choosing a shorter amortization and stress-testing your mortgage at higher rates are among the most responsible approaches you can take to home financing. It’s up to you whether you want to thank the federal government for such a reminder. JUL 20 - AUG 17, 2013 | NEW HOME & CONDO GUIDE SWO 85

085 FS_News New Mortgage-WK.indd 85

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NIAGARA

LIVE IT UP IN NIAGARA FOR $300,000 LEss ThAN ThE GTA

86

086-087-Great Gulf 07-20-13.indd 86

7/17/13 1:20 PM


This weekend see the Great Gulf difference in 2 great Niagara communities Just 90 minutes from Toronto, Southern Ontario’s best kept secret

Play more than 50 golf courses

is waiting to be discovered. From world-class golf to lush natural

Tour more than 75 wineries

wonders, the Niagara lifestyle has something for everyone.

Close to shopping, casinos, entertainment and more

With two award-winning Great Gulf neighbourhoods, offering

Endless hiking, biking, and boating opportunities

bungalow and two-storey homes, the time has never been better

Discover the Niagara Escarpment UNESCO World Biosphere

to discover everything life in the heart of Niagara has to offer.

Minutes to the US border and Buffalo Airport

ROLLING MEADOWs

299990

$

35, 42 and 50 Ft. Detached 1,580 - 3,315 sq. ft. from

EDGEWOOD $

40 and 50 Ft. Detached 1,610 - 3,035 sq. ft. from

307990

Niagara’s landmark master planned community

A fully established neighbourhood backing on to woodland

Two fabulous designer-furnished model homes

Directly across from Niagara Golf and Country Club

Kitchens with islands, pantries, breakfast areas and patio walk-outs

Three award winning designer-furnished model homes

Second floor family rooms and computer lofts

Master bedroom retreats with ensuites and his-and-hers walk-in closets

N

N

Thorold Stone Rd. Garner Rd.

Thorold Townline

SALES OFFICE 1 Sunset Way off Barker Parkway and Hwy. 58 Thorold (905) 680-0841

Lundy’s Ln. McLeod Rd.

SALES OFFICE 9118 Forestview Blvd. off Garner Road Niagara Falls (905) 356-9408

GREATGULF.COM Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area. Rolling Meadows sales office hours: Sat. & Sun. 11pm - 5pm • Mon. - Thurs. 2 - 8pm • Closed Fri. • Edgewood sales office hours: Sat. & Sun. 12pm - 5pm • Mon. - Wed. 2 - 7pm • Closed Thurs. & Fri.

086-087-Great Gulf 07-20-13.indd 87

7/17/13 1:20 PM


New Phase Now Available!

Artist’s Concept

Life is good. So are the homes.

300s*

$

Port Elgin, in the heart of Saugeen Shores, is home to one of the most beautiful natural playgrounds in Ontario. It’s also home to one of the most beautiful collections of, well, homes. the premium townhomes and single detached homes of Summerside by Reid’s heritage homes give you and your family the choice of elegant, luxurious living in a thriving, friendly community. You’ll find gourmet eat-in kitchens, exquisite finishes and Energy Star Qualified designs just a short stroll from the beach.

reidsheritagehomes.com

to learn more today.

Biener Dr. Market St.

Waterloo St.

Goderich St.

Highland St.

presentation centre or

Joseph St. Presentation Centre & Model Home

Sumpton St.

visit the summerside

PORT ELGIN Sandy Acres Rd.

d Dr. Parkwoo

Jackie Krysko New home Sales Consultant t: 519.389.4848 tF: 866.389.7343 jkrysko@heritagehomes.com

LAKE HURON

*Prices and specifications subject to change without notice. E.&.O.E. June, 2013.

SINGLES FROM thE LOw

21

reidsheritagehomes.com

Untitled-1 1

7/18/13 3:52 PM


Southwestern Ontario New Home and Condo Guide - July 20, 2013