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[ 6-WEEK ISSUE ] Dec 7, 2013 - Jan 18, 2014 Volume 16 Issue 22

“Fresh Thinking” INGREDIENTS AT BOHEMIAN TOWNS

F r e e d o m . B e a u t y. C u lt u r e .

Live the life in Waterdown

IN WATERDOWN

INSIDE THIS ISSUE

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THE BENEFITSAND OF DOWNSIZING BUYING A NEW HOME LIVING GREEN

FINANCES: PREPARING OHBA CONFERS 2013 FOR YOUR NEW PURCHASE AWARDS OF HOME DISTINCTION

SOUTHWESTERN GUELPH: A FOCUSONTARIO: ON WHY IT’S A&SOLID MARKET ECONOMY ENVIRONMENT

12/4/13 3:06 PM


Best. Present. Ever. STONEY CREEK

NEW RELEASE OF TOWNHOMES TRUE Freehold 2-Storey Towns from

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INVENTORY HOMES

BRANTFORD

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309 Blackburn Dr., BRANTFORD 519.756.4554

INVENTORY HOMES

HAMILTON

Detached from

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30' Detached from

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36' Detached from

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3 Binhaven Blvd., BINBROOK 905.692.6000

NIAGARA

3 MODELS TO TOUR TRUE Freehold Townhomes from

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36' Detached from

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309,990

M

46' Detached from

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McLeod Rd. & Kalar Rd., NIAGARA 905.354.1710

3 The Bristol ‘C’

Prices, sizes and specifications are subject to change without notice. *Please see Sales for full details, the Easy Buy ™ Program is not available at Imagine. E. & O.E. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker Protected.

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General General Brock Brock Pkwy Pkwy

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Empire Communities made it possible for us to get the best present ever, a special place to create our own holiday traditions. Our wishes came true and we put a home under the tree this year with Empire’s EASY BUY™ PROGRAM*. You could too! Happy Holidays from Empire Communities.

Niagara Niagara Square Square

Join the conversation @Empire_Living facebook.com/EmpireCommunities

30 31 1 2 3 4 5 CLOSED

CLOSED

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mattamyhomes.com

For Affordable Detached Living From Just $296,990, Pick A Home In Wildflowers.

Entertain In Style In Your Chef’s Kitchen.

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.

Right now 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. Wildflowers is a perfect pick if you’re looking for a new home in Kitchener.

36' Home, The Sandcherry, Elev. ‘D’, 2,283 Sq.Ft., $386,990

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Detached Homes From $296,990 Waterloo SAMS Award Winner!

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30' Home, The Plume, Elev. ‘A’, 1,880 Sq.Ft., $330,990

Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm Follow us: 6

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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CountryGreenHomes.com

NEW RELEASE + NEW DESIGNS

H A M I LT O N W E S T M O U N TA I N

TOWNS STARTING FROM THE MID

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MONDAY TO WEDNESDAY 2-7PM | THURSDAY & FRIDAY BY APPOINTMENT | SATURDAY & SUNDAY 11-4PM DEC 7, 2013 - JAN 18, 2014 | NEW HOME & CONDO GUIDE SWO 7

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contents

DEC 7, 2013 - JAN 18, 2014

||

VOLUME 16 ISSUE 22

cover story p.14 BRANTHAVEN HOMES

Coming to Waterdown in the New Year – Bohemian Towns

22

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

79 84

HOT DATES AD INDEX

COLUMNISTS

16

74

57

EXPERT ADVICE

Finances: how to prepare for your new home purchase

72

BUILDING BLOCKS

75

The benefits of buying a new home MONEY MATTERS

CITY FOCUS

Southwestern Ontario: opportunities abound in SWO’s varied housing markets STYLE FILE

A holiday home HOMEBUYERS’ RESOURCES

Mortgage Calculator & Rate Table

Holiday shopping without the hangover

community focus features

FUNDAMENTALLY SPEAKING

22

by Gail Vaz-Oxlade

85

Fundamentally solid in 2014

36

EMPLOYMENT

52

ROSEHAVEN HOMES & AVERTON HOMES

Canada’s unemployment rate headed lower: CIBC join forces to bring better new home selection to Mount Albert

54

ADI DEVELOPMENT GROUP

60

HOMES BY DESANTIS

62 63

30

NEW HOMES

FERGUS

Reid’s Heritage Homes HAMILTON

Multi-Area Developments

Home styles, options, lot sizes and styles – Phase 8 at Bellagio Village has it all

34

40

NIAGARA-ON-THE-LAKE

Bayview-Wellington Homes

Looking for unique, active and inspiring? Look no further than Niagara-on-the-Green

40

Adi creates buzz at LINK Condos + Towns in Burlington Celebrates outstanding 2013 with big plans for 2014

34

Westminster Highlands in Fergus is full of activity and options

by Wayne Karl

IN THE NEWS

30

by Lydia McNutt

by Jeff Paikin

71

rebuilding this holiday season with bricks, nails and the kitchen sink

HOMEBUYERS’ HELP

by Karen Kessel

46

HABITAT FOR HUMANITY

PARIS

Kingwood Homes

Village on the Grand prepares for Pre-Opening Sales Event and Grand Opening

48

MULTI-SITE

Empire Communities

Empire celebrates banner year throughout its master-planned communities

48

Buyers paying thousands extra due to delays: report EMPIRE COMMUNITIES

Empire partners with KSI for electric vehicle charging system at Imagine

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NEW HOME

watch

17 Waterloo 25 Hamilton 64 London

12/5/13 3:05:57 PM


#in2 13 new homeowners were welcomed to the Mountainview family. Excited children slept in their brand new bedrooms. Couples

celebrated milestone anniversaries. Women toasted with

their girlfriends to their new found independence.

Dogs scurried in their new backyards. Jobs were started, friendships were formed. First-time homebuyers made their homeownership dreams a reality and Mountainview Homes was named NHBA 2013 Builder of the Year. We all had some big moments in 2013...

now create your big m ment! for a limited time make Mountainview your home and receive...

$5,000 off EXPRESS HOMES

$3,000 off or NEW BUILT HOMES

Make a new home your 2014 Big Moment!

N H BA

2013 BU IL DE R OF TH E YE AR

905.323.6232 | www.mountainview.com Offer & Specifications subject to change without notice. E.&.O.E. Not valid with any other promotion. Express Homes at framing stage or further with 60, 90 or 120 day closings.

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editor’snote

Long-term commitment will afford you peace of mind

W

hether you’re relocating from one coast to the other or moving to your first place, changing homes can be hectic, exciting and certainly stressful. But, relax. You can eliminate the anxiety associated with moving by taking control of the situation with confidence. Understanding the market is just part of the story. Knowing what you need and what you can afford is the more important part of the equation. Making a prudent purchasing decision that doesn’t keep you up at night when interest rates rise, or market news becomes the talk of the town, is up to you. Any expert will tell you that buying a home or condo is a long-term commitment. This issue is full of great tips from the experts as well as the latest news designed to help you make a wise purchasing decision. Along with our Community Focus features, which outline the specifics on many fine communities, there’s lots to take in – so kick back, relax and enjoy. You’re in the driver’s seat.

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

DIRECTOR OF SALES, NATIONAL

Josh Heppner

ASSOCIATE PUBLISHER

Susan Maxwell

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge ART DIRECTOR

Daiana Garay EDITOR

Wayne Karl CONTRIBUTING EDITORS

Sara Duck Elisa Krovblit Lydia McNutt

DISTRIBUTION & SALES CO-ORDINATOR

Jennifer Bistron

ADMINISTRATIVE ASSISTANT

Antoinette Jackson

MANAGER OF PRODUCTION

Bala Gnanapandithan CO-ORDINATOR

Laura Northmore GRAPHIC DESIGNER

Viosa Barileva

CONTRIBUTING WRITERS

Joanne Keenan Jeffrey Reed

Published By

Here’s to 2014

Next year looks stable, if somewhat challenged, all things considered

I

t’s certainly been an interesting year, 2013. At press time, the U.S. economic recovery is gathering steam – boding well for the Ontario economy, especially in Southwestern Ontario – Canadian interest rates remain at historic lows but are expected to inch up over the coming year, and the housing market continues to hold its own. RBC Economics Research, meanwhile, says homeownership affordability became increasingly challenged in some markets in the third quarter of this year, and Canada Mortgage and Housing Corp. forecasts that 2014 will be stable. And, importantly, Canada’s economic fundamentals remain strong and supportive of housing demand. Indeed, against the backdrop of what’s going on elsewhere in the world, and prognostications for steep declines in the housing market that never materialized, Canada’s performance in 2013 is worth celebrating. With smart fiscal policy and prudent lending practices – and awareness of key market fundamentals by Canadian homebuyers – here’s to more of the same in 2014.

Wayne Karl EDITOR

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

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

newhomeandcondoguide.com 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.

10 NEW HOME & CONDO GUIDE SWO | DEC 7, 2013 - JAN 18, 2014

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CONSTRUCTION HAS STARTED!

Move in this spring and live in the of Beamsville! Stunning Detached and Townhome Designs from

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IMPORTANT: Take Ontario St. (Hwy #18)/Beamsville Exit #64 (From GTA Do Not Take Ontario St./Grimsby exit) * Prize not exactly as shown, visit homesbydesantis.com/contest or Sales Centre for full contest rules and regulations. Illustrations are artists concept. Prices and specifications are subject to change.

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coverstory

Coming to Waterdown in the New Year Live the Bohemian life at Branthaven’s latest townhome community

A

re you looking for a new townhome that stands out from the crowd? In early 2014, Branthaven Homes will be launching a brand new townhome community called Bohemian Towns, which has fresh thinking features, superior design and is located in the beautiful town of Waterdown. Bohemian Towns will be a rare offering of two- and three-storey townhomes nestled in a private landscaped enclave off of Dundas Street East, in the heart of historic Waterdown. Steve Stipsits, president of Burlington-based Branthaven Homes, remarks, “Bohemian will be something exciting and quite different for new home buyers… For the first time, we are able to offer both our best selling plans from our successful urban town collections, together with new product styles… In addition, we will introduce a new level of standard interior selections called ‘Fresh Thinking,’ which are everyday luxuries that are designed to improve the quality of life for the homeowner.” Bohemian Towns will set the benchmark for forward-thinking urban planning, and contemporary design in a suburban setting. Branthaven’s latest neighbourhood adheres to the guiding principles of SmartGrowth development – it is a well-planned, infill community that respects existing infrastructure and promotes eco-friendly intensification on main streets. The results will be smart, responsible and healthy city growth. With just 58 townhomes, the upcoming Bohemian community offers an intimate and relaxing home environment in a well-designed neighbourhood, with a variety of appealing home styles to choose from.

“People are attracted to Waterdown’s charm and character,” says Stipsits. “We have planned the Bohemian community with a nice blend of different townhome product types, all complimentary and coordinated by appropriate scale, sophisticated colour palette and rich stone and brick facades. The streetscapes and curb appeal will be very upscale.” location Waterdown housing type Two- and three-storey townhomes sales centre Opening soon at 215 Dundas St. contact bohemiansales@branthaven.com bohemian.mybranthaven.com/register/ branthaven.com

14 New home & condo guide SWO | dec 7, 2013 - jan 18, 2014

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There will be something for everyone’s lifestyle needs at Bohemian. Just consider the mix of townhomes: elegant two-storey traditional towns on 20-ft. lots, beautiful threestorey brownstone style towns, and wider than average three-storey back-to-back towns; be sure to stay tuned for a new collection of urban style rear-lane towns with two-car garages. Stipsits shares that Branthaven’s “objective was to design a high-end townhome community that appeals to young professionals, starter families and smart sizing active adults who all wish to live a carefree townhome lifestyle in a destination enclave.” With a variety of plans to choose from, including the all-new Echo floorplan with a flexible four-bedroom layout, there is something to fit everyone’s needs and budget. There’s no need to sacrifice space, style or creative flare in a Branthaven townhome. At Bohemian, floorplans feature space saving layouts, bright interiors, and clear sightlines. Combine this with flat panel doors, Europeanstyle lever hardware, wide plank flooring, spacious windows and Fresh Thinking features, and you are set for contemporary living in a relaxed, chic home! At Bohemian Towns, buyers will be treated to an exciting lineup of all new Fresh Thinking features – all included standard in your Bohemian Town! These Fresh Thinking selections will appeal to design conscious new homebuyers who don’t want to compromise on style, or have to pay more for added value items. The Fresh Thinking features “are leading edge design elements to improve your quality of life, the look of your home and even your resale value,” says Stipsits. “We have been sourcing and selecting a new range of little luxury and smart design features and finishes that are forward thinking, practical and typically custom upgrades.” The Fresh Thinking kitchen will boast 36-in. extended height upper cabinets, cutlery compartments, deep pull out drawers, a pull-out garbage organizer under the sink, swing away under cabinet mount for an iPad or tablet, subway tile backsplash, premium gooseneck kitchen faucet, modern cabinet pulls and many more little indulgences you’ll appreciate in your social kitchen. Bohemian’s bathroom designs take their direction from boutique hotel and spa environments, with a deep spa tub, sleek glass shower panel, raised designer vanity with practical banks of drawers, integrated sink and contemporary faucet, a convenient built-in accessories shelf and lighting above. On-trend horizontal floor and tub tiles and an extra stainless shower shelf make this bathroom spa-stylish. Bohemian Towns will also have Fresh Thinking smart home technology. These are innovative tech features that make your technology more accessible, such as USB plugs on the chef’s island, along with an additional USB plug and light switch at your bedside. Every home comes with a HippoHome Controller, which is part of UrbanHippo’s SmartHome solution. The controller acts as the “brain” of your home automation, where you can control the heating

BRANTHAVEN HOMES

Bohemian Towns

system. There are expandable options such as sound, video and lights, available through UrbanHippo. Nothing has been overlooked; everything is radically new in the suburbs. Get ready to live the Bohemian life with Branthaven in Waterdown from $270’s. The sales office at 215 Dundas St. in Waterdown is opening soon. Contact bohemiansales@branthaven.com Register now for Bohemian Towns VIP Preview Event at bohemian.mybranthaven.com/register/ Visit the Branthaven website to view all current and upcoming communities at branthaven.com dec 7, 2013 - jan 18, 2014 | New home & condo guide SWO 15

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expertadvice

Finances:

How to prepare for your new home purchase by Karen Kessel

Karen Kessel is the Broker of Record of Planet Realty Inc., located in Guelph. She brings more than 25 years of experience in the sales and marketing of homes and condominiums across Ontario. She can be reached at Karen@planetrealty.ca or visit planetrealty.ca

a new home is the

3| On the other hand, there are no first-time homebuyer restrictions when you use a TFSA withdrawal

largest purchase most people make during their lifetime! Whether buying for the first time or moving up, a new home involves planning and saving. If you don’t understand all the costs and fees associated with the purchase of a new home, you are not alone. Be prepared and leave nothing to chance! First and foremost, how much home will you be able to afford and how are you going to finance your purchase? Let’s start with the deposit: Are you aware of the Home Buyers Plan (HBP) and the TaxFree Savings Account? These might be the best home financing options for you. Check this out: 1| The HBP allows a first-time homebuyer to make a tax-free withdrawal of up to $25,000 from a Registered Retirement Savings Plan (RRSP) for a down payment. You must meet the definition of a first-time buyer, and the funds withdrawn must be repaid over a 15-year period to avoid being taxed on the full amount of the withdrawal. 2| RRSP contributions are tax deductible but TFSA contributions are not so the funds you need for a down payment can accumulate more quickly in an RRSP than in a TFSA.

to fund your down payment, there are no dollar limits on the amount you can use, and there is no requirement to repay your TFSA withdrawal so you won’t encounter tax issues down the road. Your TFSA withdrawal will create more contribution room in the year following the withdrawal and that could be a benefit. 4| If you are able to maximize your RRSP contributions, you might consider using those tax savings to make TFSA contributions and eventually make your down payment using a combination of the HBP and a TFSA withdrawal. » Mortgage financing While you shop for a new home, also shop for a mortgage. This step is so crucial to your financial well-being. Lending institutions can prequalify you for a mortgage so you have a better idea of affordability. This will allow you to shop with confidence! To get a good mortgage deal, a deposit of up to 25 per cent of the home’s value is needed. Any more than that and you may qualify for the cheapest deals in the market – some of the best deals require 30 per cent or even 40 per cent deposits. Most first-time buyers will look to get a 90 per cent loan-to-value mortgage. This means you are borrowing 90 per cent of the value of the property, and will need a deposit equivalent to 10 per cent of this value. On a property valued at $200,000, this means you’ll need a deposit of $20,000. Note that 90 per cent mortgages will have higher interest rates than those with a lower loan to value. » Closing costs So now you are ready to close the purchase of your new home and move in! Meeting with your solicitor to sign all the legal documentation and review the Statement of Adjustments is the final step in the legal process. In the Agreement of Purchase and Sale with a builder there is typically a paragraph that highlights adjustments, closing costs and financial obligations of the buyer. Review this carefully and ask the Sales Representative to explain all “closing costs” to you. Depending upon the size and value of your new home and/or condo, the following is a list of typical closing costs: › Cost of a survey › Reserve Fund Contribution (two months of your common expense payments) › Hydro and/or water meter connection fees › Tarion enrolment fees

› Property taxes › Land Transfer Tax › Solicitor’s closing fees › Moving charges

I have noted Land Transfer Tax above. If you are a first-time homebuyer you may be eligible for a refund of all or part of this tax. Applications for a refund are available through the Ontario Government and must be made within 18 months after the date of the transfer. Homeownership has great advantages for your financial growth and security. It is a forced savings plan because your mortgage principal payments are retained as your equity in the home. Do your research and take advantage of government programs for available for first-time and low to moderateincome homebuyers. Decisions, decisions, decisions – whether it’s buying your first home, figuring out how to pay for it or any other aspect of your financial life, I encourage you to speak with a professional advisor who can help you make the right choices for your situation.

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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 Vanmar Guelph | V2 Condos

new releases menkes Georgetown | The Enclaves of Upper Canada

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

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

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menkes.com

macpherson builders Fergus | Summerlea

reid’s heritage homes Guelph | Westminster Woods

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

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macpherson builders Seaforth | Bridges of Seaforth

Country living at its finest at one of Ontario’s premier adult lifestyle communities.

bridgesofseaforth.ca

new openings mattamy homes Kitchener | Wildflowers

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

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

Almaa Ayr Cambridge Elora Fergus Georgetown Guelph Kitchener Rockwood Waterloo

New building release at Kingsbury Square, as a result of the first Kingsbury building selling out quickly. New standard features and finishes. Located in desirable South Guelph.

reidsheritagehomes.com

reid’s heritage homes Fergus | Westminster Highlands

Two-storey townhomes just released, midrise coming soon. Master-planned community in Fergus. Choose from a variety of single-detached homes, and bungalow and executive townhomes – close to amenities and trails.

reidsheritagehomes.com

fusion homes Guelph | Blueberry Hill

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

fusionhomes.com

fusion homes Guelph | Privada

Final release now underway for this collection of bungalow townhomes.

fusionhomes.com

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

dec 7, 2013 - jan 18, 2014 | New home & condo guide SWO 17

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Plattsville

Stratford

Breslau

Collingwood

Baden

Owen Sound

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

Halton Hills / Wellington / Waterloo:

Acton

Scarborough

Ajax

Kleinburg


Ajax

MONARCH

Tranquility

Cambridge

MATTAMY HOMES

Wildflowers

from $296,990

Cambridge

REID'S HERITAGE HOMES

Aspen Heights •

Collingwood

REID'S HERITAGE HOMES

Georgian Meadows

Collingwood

from mid $500's

PAGE 45 6

BC

BC

REID'S HERITAGE HOMES

Silver Glen Preserve • •

BC

Fergus

REID'S HERITAGE HOMES

Westminster Highlands

Georgetown

MENKES

The Enclaves of Upper Canada • • from low $400's 39

Guelph

REID'S HERITAGE HOMES

Village by the Arboretum

• BC

Kincardine

REID'S HERITAGE HOMES

The Highlands at Hunter Ridge • •

BC

Kincardine

REID'S HERITAGE HOMES

Inverlyn Lake Estates

• •

BC

Kitchener

BRANTHAVEN HOMES

Joy •

from $277,900

13

Kitchener

MONARCH

Topper Woods

from $579,990

45

Kitchener

TERRA VIEW HOMES

Edgewater Place

• from the $380's

21

Kitchener

WILLIAMSBURG HOMES

Eby Estates

• from $339,900

20

Kleinburg

MONARCH

Kleinburg Crown Estates

45

Meaford

REID'S HERITAGE HOMES

Gates of Kent

BC

Owen Sound

REID'S HERITAGE HOMES

The Residences of Cobble Beach

• •

BC

Port Elgin

REID'S HERITAGE HOMES

Summerside

• •

BC

Puslinch

REID'S HERITAGE HOMES

Heritage Lake Estates

BC

Scarborough

MONARCH

Evergreen

45

Thornbury

REID'S HERITAGE HOMES

Lora Bay

from the $180's

from low $800's

from $474,990

24

BC

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

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SNOWMAN-SIZED BACKYARDS MORE SPACE FOR MORE FUN THERE’S A LOT TO LOOK FORWARD TO THIS WINTER! Enjoy a spacious property 100’ to 200’ deep! With low premiums and extra space for the kids to play, there’s a lot to love at Eby Estates. After enjoying the winter weather, come inside to the warmth and coziness of a Williamsburg home. Take comfort in knowing you’ll be saving every month on utility costs because you purchased a quality, Energy Star® built home from Williamsburg Homes.

KITCHENER Conestoga Parkway

Homer Watson

Isaiah St.

2012

Gravel Ridge Trail

Fischer-Hallman

7/8

DISCOVERY CENTRE

Bleams Rd.

LEARN MORE AT:

®

Energy Star Qualified Homes

From $339,900

*

williamsburghomes.ca or 519.208.5834

HWY #8

Exit #278

401

LONDON

TORONTO

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

®

20

*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. December, 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®

DEC 7, 2013 - JAN 18, 2014 | NEW HOME & CONDO GUIDE SWO 21

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communityfocus

Westminster Highlands is full of activity and options! location Fergus housing type Townhomes, single-detached homes sales centre 89 Aberdeen St., open Monday, Thursday and Friday 1 to 7 p.m.,
Saturday and Sunday noon to 5 p.m. contact 519.787.1847 reidsheritagehomes.com

W

estminster Highlands opened in Fergus this past May, with dozens of people lining up before the doors opened on the first day, eager for their first glimpse at this exciting new community. The community has been growing steadily ever since, carefully crafted and designed by Reid’s Heritage Homes, the 2013 OHBA Ontario Home Builder of the Year. Westminster Highlands will eventually be home to families of all sizes, so residents will be able to choose from various lifestyle options as the community grows around them with neighbours of all ages and stages of life. The Ellersly two-storey townhomes were just released on Nov. 9, and start as low as the $270’s. As a definite added bonus, these impressive townhomes come with a free appliance package and a finished basement. Reid’s Heritage Homes’ ever popular single-detached homes have been available since the communities’ release and offer a spacious and functional

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REID’S HERITAGE HOMES

way of living. Bungalow townhomes offering main floor living and an emphasis on a carefree lifestyle and executive townhomes with soaring cathedral ceilings, ceramic tiles and enhanced kitchens are also available. Rounding the collection off nicely are the Nichol Ridge midrise condominiums – coming very soon! As you can see, there is truly something for ever yone in Westminster Highlands. Drawing much additional attention to the community is the beautiful new singledetached model home that opened recently, showcasing the Cloverdale floorplan. The model is fully and beautifully finished, providing potential purchasers a true glimpse of what life in this community could be. If the townhomes are the ones for you, be sure to take a tour of the Tamworth Highland Bungalow Townhome model, or the Rocklyn Wellington Executive inventory home to get an up close and real life look at these home options. All homes in Westminster Highlands are Energy Star qualified, offering a healthy, sustainable home that reduces energy consumption while saving money. In addition to the beautiful homes Reid’s Heritage Homes has to offer, Fergus boasts an abundance of shopping and amenities. Its historic charm is accompanied by modern amenities and many kilometres of natural beauty blended with a meandering hiking trail, paved for easy stroller and wheelchair access to the passive and active recreational areas. Built for family life and living, the community will include linear park space, junior playground equipment and a basketball court. Adding to its appeal, this area has a wonderful array of dining spots and a recreation centre with three ice hockey rinks – a welcome fact with winter now firmly in our scope!

Westminster Highlands

All of these things and more are available now in Westminster Highlands in Fergus. It truly is the beginning of something wonderful! For more than 30 years, Reid’s Heritage Homes has proudly developed homes ranging from single-detached homes; midrise condos; two-storey, executive and bungalow townhomes; to custom estates and active adult communities. The company’s pride shows in its design excellence, outstanding quality and meticulous craftsmanship. A strong dedication to its values and traditions has established Reid’s Heritage Homes as an award winning developer, with accolades including 2013 Ontario Home Builder of the Year from the Ontario Home Builders’ Association and one of the Top 50 Small to and Medium Employers in Canada for 2014. For more information about this charming and desirable community, call 519.787.1847 or visit reidsheritagehomes.com Your home sweet home awaits!

Drawing much additional attention to the community is the beautiful new single-detached model home that opened recently, showcasing the Cloverdale floorplan. dec 7, 2013 - jan 18, 2014 | New home & condo guide SWO 23

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t

MODERN LIVING IN

HISTORIC FERGUS FROM THE $180’s *

TWO-STOREY TOWNHOME BONUS

MOVE IN THIS SPRING CHOOSE FROM:

MODEL HOME

20 min. to Orangeville 

lb Ave. Mil u r n

Fergus

MODEL HOME HOURS: Mon., Thurs., Fri. 1 - 7pm Sat. - Sun. 12 - 5pm wh@heritagehomes.com 519.787.1847

ASK ABOUT OUR INCENTIVE PROGRAMS

The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. *Prices subject to change. E. & O. E. **Applies to two-storey townhomes only. Some restrictions apply. See a sales consultant for more information.

t

15 min. to Guelph

d Blv en ue

Under 60 min. to Mississauga and Brampton

McQ

Aberdeen

• Midrise Condos from $184,900* • Two-storey Townhomes from $270,000* • Bungalow and Executive Townhomes from $314,900* • Single Detached Homes from $392,900*

FREE APPLIANCE PACKAGE AND FINISHED BASEMENT**

24

reidsheritagehomes.com

USAGE

S

OPTIONS AVAILABLE

COLOUR SPECS

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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 Dicenzo homes Stoney Creek | Blue Shores Waterside semis and singles from the mid $300’s. blueshores.info branthaven homes Waterdown | Bohemian Towns Coming soon – towns from the $270’s. branthaven.com COUNTRYGREEN homes Waterdown | Uptowns of Waterdown Coming soon – urban two- and three-storey back-to-backs, traditional and executive towns priced from $264,900. countrygreenhomes.com kingwood homes Paris | Village on the Grand Register now for riverfront townhomes in historic downtown Paris, from the $230’s. villageonthegrand.ca rosehaven homes/Homes by Desantis/CDI developments Ancaster | Tiffany Hill Phase II coming early 2014 – freehold townhomes and 36- and 45-ft. detached. tiffanyhill.ca rosehaven homes/ homes by desantis Stoney Creek | On the Ridge Coming early 2014 – semis, 35- and 40-ft. singles. liveontheridge.ca ADI Development Oakville | Link Condos + Towns Register now for this modern condo community on Dundas at Sutton, adjacent to Bronte Provincial Park. adidevelopments.com forest park homes Fonthill | The Village Landing Pre-register for Fonthill’s newest community – single-family homes and village homes. thevillagelanding.com TOBYN park homes Stoney Creek | Stoneywood Park Coming spring 2014 – detached homes and townhomes, on-site greenspace, easy access to highways, conservation area and other amenities. stoneywoodpark.com

Ancaster Beamsville Binbrook Brant Brantford Burlington Catharines Grimsby Hamilton Milton

rosehaven homes Mount Albert | Victoria Highlands Coming soon – 50-ft. detached singles. rosehaveninmountalbert.com new horizon homes Bronte | Harvest Coming soon – register now for these luxury freehold townhomes backing onto Bronte Provincial Park. newhorizonhomes.ca new horizon homes Oakville | Mint Condominiums Coming soon – living well for less in Oakville, condos at Bronte and Dundas from the mid $200’s. newhorizonhomes.ca spallacci homes Hamilton | Eden Park Coming soon – Simona Place The Towns of Eden Park Exquisite collection of executive townhomes. spallaccihomes.com spallacci homes Hamilton | 101 Locke Condos Register now – Boutique condo living is coming to Hamilton’s hip Locke Street. spallaccihomes.com schuit homes Ancaster | Perth Park Exclusive community of residences fronting landscaped parkland onto a ravine setting. schuithomes.com Molinaro Group Burlington | Paradigm The new Burlington opens soon – a new standard of condo living from the $200’s. paradigmcondos.ca

new openings

cosmopolitan homes St. Catharines | Vintner Estates Bungalow and two-storey freehold townhomes located just steps from shopping, dining and more in an intimate enclave neighbourhood. vintnerestates.ca

Empire communities Niagara Falls | Imagine Now open – master-planned community of towns and detached homes in heart of Niagara. empirecommunities.com

Niagara Oakville Paris Port Dover St. Catharines Stoney Creek Vineland

spallacci homes Hamilton | Eden Park Grand Opening of Chateau-inspired semis collection. spallaccihomes.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 bucci homes Grimsby | Bliss Two-storey freehold executive towns located near 50 Point Conservation Area, priced from the mid $260’s. buccihomes.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 releases

Rosehaven homes Chippawa | Lyon’s Creek Coming soon – model homes plus new release of 50-ft. detached lots. rosehavenhomes.com spallacci homes Hamilton | Eden Park Phase 4 release of exceptional 32and 40-ft. lots. spallaccihomes.com Emery condominiums Burlington | Appleby Club Limited release of Country Club Condominiums at Appleby and Dundas. applebyclub.com

dec 7, 2013 - jan 18, 2014 | New home & condo guide SWO 25

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Paris

Port Dover

Binbrook

Grimsby

Georgetown

Caledon

Smithville

Welland

Fonthill

Thorold

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

Halton / Hamilton / Wentworth / Niagara:

Ridgeway

Stevensville

Chippawa

Fort Erie


SITES

Ancaster

DAWN VICTORIA HOMES

Evergreens on Southcote

from low $400's

37

Ancaster

ROSEHAVEN HOMES

Tiffany Hill

from $480's

53

Beamsville

HOMES BY DESANTIS

Lincoln Square

• •

from $264,900

11

Binbrook

BRANTHAVEN HOMES

Celebrations

from $254,990

13

Binbrook

LOSANI HOMES

Fairgrounds • from $256,900

Brantford

EMPIRE COMMUNITIES

Wyndfield

Caledon

MONARCH

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

Chippawa

ROSEHAVEN

Lyon's Creek

Grimsby

BUCCI HOMES

Bliss • from mid $260's 29

Grimsby

BRANTHAVEN HOMES

Wave • from $177,990

13

Grimsby

LOSANI HOMES

Sunflower

• from $384,900

51

Hamilton

COUNTRY GREEN HOMES

West Bloom

• from $329,900

7

Hamilton

EMPIRE COMMUNITIES

Summerlea

• • from $286,990 2&3

Hamilton

LOSANI HOMES

Ancaster Glen

• • from $386,900

51

Hamilton

LOSANI HOMES

Greenhill Glen

• • • from $277,900

51

Hamilton

MULTI-AREA DEVELOPMENTS Bellagio Village

Hamilton

SPALLACCI HOMES

Eden Park

Niagara

EMPIRE COMMUNITIES

Imagine •

from $209,990

2&3

Niagara, Fonthill

FOREST PARK HOMES

The Village Landing

• •

from $249,900

28

Niagara on the Green

• • •

from mid $200's

PRICES PAGE

51

• • from $214,990 2&3

from low $300's

53

• • from the $280's 32 •

from low $300's

33

5

Oakville

MENKES

Millstone • from $309,990

38

Oakville

NEW HORIZON

Mint Condominiums • from mid $200's 47

Paris

KINGWOOD HOMES

Village on the Grand

Smithville

PHELPS HOMES

Brookside on the Twenty

• •

Smithville

PHELPS HOMES

Harvest Heights

Smithville

PHELPS HOMES

St. Catharines

• from the $230's

42

• from mid $200's

43

• from high $200's

43

Streamside on the Twenty

from mid $300's

43

BW HOMES

Victoria Village

• from low $300's

4

Stevensville

PARK LANE HOME BUILDERS

Village Creek

• •

Stoney Creek

EMPIRE COMMUNITIES

Victory

• • from $289,990 2&3

Stoney Creek

ROSEHAVEN

On The Ridge

• •

Thorold

GREAT GULF

Rolling Meadows/Edgewood • from $299,990 78&79

Thorold

ROSEHAVEN HOMES

Gibson Heights

• • from the $250's 53

Waterdown

BRANTHAVEN HOMES

Bohemian Towns

from the $270's

12

Waterdown

COUNTRY GREEN HOMES

The Uptowns of Waterdown

• from mid $200's

7

from $245,000

55

53

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

• • •

Halton / Hamilton / Wentworth / Niagara:

Niagara on the Lake BW HOMES Port Dover

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

LOCATION BUILDERS

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FONTHILL. A COMMUNITY WITH MORE.

PANTONE

MORE SELECTION. MORE SPACE. MORE SAVINGS.

MS 7536C

NOW SELLING CMYK

Since 1920 Fonthill has been a destination community for those seeking comfortable, quality, custom homes in the town of Pelham. Today, Fonthill offers much more. This historic community offers incredible value, plus a beauty and quaint presence that remains unchanged with the changing times. Forest Park Homes is excited to become part of this tradition. Bringing a history of award-winning designs and exceptional finishes, Forest Park Homes offers residents more than they could possibly imagine in The Village Landing in Fonthill.

D WHITE

VILLAGE TOWNES 45-50 FOOT SINGLE DESIGNS PRICES FROM

EVERSED

$249,900

28

PREVIEW CENTRE 1815 MERRITTVILLE HWY. #1 FONTHILL 905.401.7832 THEVILLAGELANDING.COM

FINAL LOGO: ACCEPTABLE FORMATS FOR USAGE Corporate Identity Forest Park Homes ForestPark_Corp_Logo.ai

Acceptable logo variations N/A August 2011

x x x x x x

OPTIONS AVAILABLE

PANTONE CMYK BLACK AND WHITE INVERTED COLOUR BACKGROUND OTHER OPTIONS

COLOUR SPECS

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Visit Our 2 Model Homes & Sales Center in Grimsby 2-Storey Freehold Executive Towns

E X E C U T I V E L A K E S I D E TOW N S

Priced from the mid

260’S

$

Up to 1,615 sq ft.

Pre-construction BONUS $5000 In designer dollars & receive a $2,000 appliance credit*

Choose from: Granite Countertops, Hardwood, Upgraded Cabinets, Gas Fireplace, Oak or Maple Staircase...And more!

*Limited time offer subject to change without notice E&O.E

Lake Ontario Olive St.

N Service Road

Grimsby Beach

Lake St. N Service Road

#8

King Street

Ontario St.

H Main Street

Barlett Ave.

GRIMSBY

Christie St.

To Toronto

To Niagara

Located near 50 Point Conservation Area

QEW to Bartlett Street exit, north to Lake Street Monday – Thursday 2-7pm, Friday by appointment, Saturday & Sunday 12-6pm

Kathie Pillar, Sales Representative buccihomes@bellnet.ca • www.buccihomes.com Toll Free: 1-800-290-0163 • Site: 905-945-1656 DEC 7, 2013 - JAN 18, 2014 | NEW HOME & CONDO GUIDE SWO 29

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communityfocus

Home styles, options and lot sizes and styles

Phase 8 at Bellagio Village has it all

“W

e are excited to announce that we have an outstanding offering of new home styles at Phase 8 of our Summit Park neighbourhood, Bellagio Village,” says Aldo DeSantis, president of MultiArea Developments Inc. New-home buyers can expect the largest selection of home styles as well as the most options for unique lot locations and sizes. The sensational singles collection At Bellagio Village, you can expect a wide range of choices and lot options. Multi-Area is launching the best of its plans with family-friendly singles ranging from 33-, 33-, 40-, 43-, 45- and 50-ft. home sites. “There is a single-family

home style offered to suit every budget, taste and lifestyle need,” add DeSantis. Largest model home parade Bellagio Village also offers the largest collection of singlefamily homes in a fully decorated model home parade. Each of the popular home styles have been designed and decorated by Multi-Area’s multi-talented in-house design department. “Our models showcase our quality, our standards and our upgrades. They are the real deal. Buyers are able to choose what they like and be confident that is what will be delivered,” adds DeSantis. “This has been our philosophy for over 30 years.”

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MULTI-AREA DEVELOPMENTS

Bellagio Village

New-home buyers can expect the largest selection of home styles as well as the most options for unique lot locations and sizes. Exceptional site and scenery Summit Park features two new community parks for residents to enjoy, meet neighbours and be social. Summit Park also overlooks a 270-acre conservation area that offers numerous walking and biking trails. The new Bishop Ryan High School is about to open with its very own, state-of-the-art sports field. These are just a few of the exceptional year-round amenities that make Summit Park a perfect place for your family.

Come visit Summit Park and you will discover the many reasons which makes it the “must have” residential neighbourhood for today’s new homebuyers. For more information, visit multi-area.com

Freehold town release If you are looking for a luxury townhome (with five completely different plans to chose from, be it bungalow, a two-storey or a split level plan), consider the Freehold Town Collection. Featuring a range of lifestyle bungalow and large two-storey townhomes that highlight high quality looks and layouts without the high costs of condo fees. You will find a rare offering of luxury bungalow plans such as The Brighton; a beautiful upgraded stone and stucco elevation with great curb appeal. The Brighton offers stunning single-floor living with wide and spacious layouts ranging from 1,132 to 1,725 sq. ft. They are very appealing for smart-sizing active adults and young professionals looking for easy, elegant living. The Siena is a stately brick and stone two-storey townhome loaded with attractive architectural features such as stone skirting, stucco accents, gabled roofline and rich red masonry. “The Siena is a great plan, inside and out. It has a distinctive arched entry porch and a sophisticated elevation. It even has a rare end unit that has a soughtafter double garage, so it really looks and feels like a single,” adds Aldo DeSantis. “There are only a few released, so we are certain they will be in high demand.”

location Hamilton housing type Lifestyle bungalow and two-storey freehold townhomes, and singles on from 33-, 33-, 40-, 43-, 45- and 50-ft. home sites sales centre 33 Fletcher Rd. contact 905-561-0136 homes@multi-area.com multi-area.com

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communityfocus

Looking for unique, active and inspiring? Look no further than

Niagara-on-the-Green

I

t won’t be long before kids and adults alike don their skates and head to the frozen pond of Niagaraon-the-Green for a game of shinny hockey. While that’s going on, a festive tree stands inside the presentation centre, the focal point of the community’s Food Drive, as residents, trades and staff take up collections for the holiday season in their quest to provide truckloads of food for those less fortunate. Just a few weeks ago, homes were decorated as ghoulishly and ghostly as possible creating a magical and mystical land for the annual Halloween shelling out that drew all sorts of ghouls and goblins to the streets. It even drew fire engines

from Station No. 5 to give young and old, with glow sticks in hand, rides through this active community while Niagara College food services students brought food for the firefighters. In recent days, colourful lights and festive finery have replaced the fall colours, bales of hay and crisp leaves that crunched underfoot for Thanksgiving. This is life at Niagara-on-the-Green, a unique new home community with activities and events through the year that brings residents together. “This is why we have a 60 per cent referral rate,” say members of the well-informed sales staff who live, play and work in Niagara. “Things here are just right, just perfect, with something unique for everyone.” There are homes, activities and surrounding sights to appeal to those of all ages and stages of life from singles, newlyweds and young families to busy people, snowbirds, avid golfers and travelers. A pleasant drive through Niagara-on-the-Green, this award-winning community by Bayview-Wellington Homes, exhibits its unique attributes that are on full display every day and every season of the year. Winding

34

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BAYVIEW-WELLINGTON HOMES

Niagara-on-the-Green

streetscapes, parkland with a gazebo, and a play park, all alongside the Royal Niagara Golf Course, reach beyond the bricks and mortar of the homes and into the lifestyle that has been created for residents. It’s commonplace for residents to drop by the presentation centre to check on the progress of the Niagara-On-the-Green mega mall, located across from the existing community. As Canada’s largest open-air mall, it will include high-end fashion retailers, many from the U.S., and boutiques, specialty stores as well as restaurants, cafes, a food pavilion and open-air farmers’ market. Residents already enjoy nearby amenities such as White Oaks Racquet Club, dining and greenhouse experiences at Niagara College along with The Wine Route, Shaw Festival and quick access to the United States border. The newest phase of construction includes townhomes, and a new collection of semis and corner quads, completing this a one-of-a-kind community with a uniqueness all its own. Plans are “beyond charming,” say all visitors to the site, of the various elevations that embrace Georgian, Victorian and heritage architecture to mirror the style of olde Niagara. Executive-style townhomes with golf course views are perfect for those looking for a great lifestyle in a golf course community partnered with low maintenance living. In early 2014, the industry’s latest design trends, finishes and fixtures will be showcased in the newest models. With each new home sale, BW Homes has had a longstanding commitment to make a $100

location Niagara-on-the-Lake housing type Townhomes, semis and quads sales centre QEW and Glendale Avenue, open noon to 6 p.m. daily, closed Fridays contact 905.708.0000 1.888.326.5551 bwhomes.ca

donation to Habitat for Humanity Niagara bringing home ownership within reach of more people. Although Niagara-on-the-Green is just seconds from the QEW, deer and wildlife can often be found visiting yards and gardens providing an undeniable sense of country living in a community that defines uniqueness like no other. For more information, call 905.708.0000, 1.888.326.5551 or visit bwhomes.ca dec 7, 2013 - jan 18, 2014 | New home & condo guide SWO 35

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inthenews

Canada’s unemployment rate

headed lower: CIBC

Demographic and policy changes mean in 2005. The additional hours they could offer up provide a Canada’s unemployment rate has room to drop much cushion against wage and price pressures.” further before we’ll see pressure on wages that could Canada’s degree of “frictional unemployment,” the trigger inflation, finds a new report from CIBC World inevitable share of the labour market that will, even in a Markets Inc. healthy economy, be between jobs or looking for their The report notes that historically, today’s 6.9-per-cent first job at any point in time, is also contributing to a lower unemployment rate would already be generating wage jobless rate. This unemployment category has been in and price pressures. In both 1999 and 2005, the Bank of decline and the rate is already lower than at points in Canada declared the economy had exhausted economic 1999 and 2005 when the output gap was zero. slack and reached full employment at essentially the very Changes in government policy are a factor in the same jobless rate. In both cases, the Bank raised interest reduced level of frictional unemployment. “New rates to cool the country’s overheating economy. immigration rules are focussed on tilting the mix of new “But full employment ain’t what it used to be, and Canadians towards those with targeted skills and stronger that’s good news for job seekers,” says Avery Shenfeld, language proficiency,” notes Shenfeld. “Those coming in chief economist at CIBC. “Demographic and public under the Provincial Nominee Program, focused largely policy changes in recent years have lowered the non- on job-ready individuals who cross the border with a job inflationary rate of unemployment. That will allow the offer in hand, represent 13 per cent of new permanent Bank of Canada to keep rates low for long, and press residents, up from only two per cent in 2005.” ahead towards further labour market improvements.” Tighter rules for unemployment eligibility now require Shenfeld notes that, unlike the U.S., where millions Canadians to accept a wider range of employment offers of discouraged workers have given up searching for work rather than continue to search for a job that’s either and no longer count among the unemployed, discouraged higher paying or closer to home. EI recipients now workers excluded from the jobless count represent only represent 37 per cent of unemployed in Canada, down 0.1 per cent of Canada’s working-age population. Those from 51 per cent in 2009 and an average of 47 per cent saying they want work but aren’t in the labour force in the ten years prior to the last recession. represent the same two per cent share that they did when Shenfeld also suspects declining unionization coverage the output gap was zero in 2005. could also be a modest factor by reducing worker While the participation rate has dropped, he adds bargaining power, particularly as Canadian workers now that’s solely due to shifting demographics, as a greater compete with “right to work” states south of the border. share of the population reaches retirement age. If the He notes that this could reduce the wage inflation pace population shares of each age cohort are held constant, at any given level of unemployment. the participation rate would have been rising since the “All of this implies that the labour market has more recession, as other than youth, each demographic group’s room to run to lower unemployment rates before wage participation rate has been steady or rising. pressures threaten the Bank of Canada’s two per cent “Underemployment is, however, a factor that has led to CPI target. Add to that some other factors putting an understatement of labour market slack relative to the past downward pressure on CPI and there are reasons for the cycle,” says Shenfeld. “There are close to 900,000 Canadians Bank of Canada to eschew rate hikes until early 2015. working part-time because that’s all they can get, rather than “By that point, we expect Canada’s unemployment rate by choice. That’s a half-percentage-point larger as a share of to be in the vicinity of 6.2 per cent, well below what had the workforce than when the economy had full employment previously been the Bank of Canada’s comfort zone.” 36 New home & condo guide SWO | dec 7, 2013 - jan 18, 2014

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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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communityfocus

grand opening Sunday, Jan. 19, 2014!

Village on the grand, Paris

Pre-Register Now at kingwoodhomes.ca and you will be invited to our special Pre-Opening Sales Event, one day only, Saturday, Jan. 18, 1-4 p.m.

E

xcitement has been building in anticipation of the Jan. 19, 2014 sales launch of Village On The Grand in Paris. Kingwood Homes President John Martin says pre-registration numbers are beyond expectations – so much so that he has decided to reward those who register prior to the launch with the opportunity of a Preview Sales Event. For one day only, Saturday, Jan. 18, registrants can have their pick of the finest homes available at Village On The Grand before they become available to the public. Simply reg ister at villageonthegrand.ca “You can literally fish from your back door,” says Martin. “In minutes, you can drop in your canoe or kayak or go white water rafting a little further up the river. It’s definitely an adventurer’s paradise.”

With lots to see and do, these freehold towns offer a condo element to ensure minimum maintenance. Home and lot are freehold but the road, gardens and sprinkler system are common elements so they are cared for all year. “It frees up residents to enjoy their homes and the surroundings,” says Martin. “We know they can travel around by foot, bike, kayak or canoe and they’ll have the freedom to do that.” While secluded in this quiet corner of this pleasant town, it is served by a thriving community of schools and churches and a thriving downtown of more than 80 shops, services, boutiques and restaurants that have been drawing day trippers and antique hunters for decades. Paris is minutes to Brantford and Cambridge, 10 minutes to Ancaster and in 30 minutes you can reach the GTA. The historic buildings host an intriguing mix of retail, restaurants, and financial and professional services, overlooking the Grand River as it winds its way through town. Particularly delightful are restaurants and cafes that offer terraces for outdoor dining overlooking the river. It’s long been a great location for sport fishing along the banks, or for fashion, fresh homemade treats, local cuisine or just to pass the time.

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It’s long been a great location for sport fishing along the banks, or for fashion, fresh homemade treats, local cuisine or just to pass the time.

KINGWOOD HOMES

Village on the Grand

This collection of 95 three-bedroom townhomes offers three different styles to accommodate nature lovers from all walks of life. Twenty-seven homes will be located right on the Grand with master bedrooms overlooking the water. Some will offer an optional upper deck. All will offer walkouts to backyards that are as close to the river as can be. In addition, these riverfront towns have increased spaciousness from frontages of 24 ft. They offer from 1,850 to 2,000 sq. ft. of living space, along with an optional double garage. Urban towns make up The Willow Collection that offers a carefree and coveted urban courtyard patio. Like the riverfront towns, they also enjoy a width of 24 ft. and have a capacity for a two-car garage. They range in size up to 1,800 sq. ft. of chic contemporary style. The Courtyard Collection is a traditional townhome style with a single garage. At 1,350 sq. ft., these towns address buyers with a more modest budget at an entry price in the $230,000s. Construction on the first block of models begins in January 2014, with others getting underway soon after to offer late spring closings. It won’t be long before residents will be able to live and play on the Grand, at Village on the Grand. For more information and to register, visit villageonthegrand.ca Location Paris housing type Freehold condo townhomes 1,350 to 2,000 sq. ft. sales centre 80 Willow St. contact 1.888.757.7737 | kingwoodhomes.ca villageonthegrand.ca dec 7, 2013 - jan 18, 2014 | New home & condo guide SWO 41

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PARI S

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Come home to a place where residents can revel in the scenic beauty and peaceful ambiance of a tranquil community, intermixed

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Other promotional offers do not apply. Prices, specifications and promotions subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. The ENERGY STAR® trade symbol does not imply certification of this organization or its products. The ENERGY STAR® registered mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E.& O.E. December 2013. 22739.

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MONARCH COMMUNITIES. MONARCH, CANADA’S OLDEST AND MOST EXPERIENCED BUILDER.

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DEC 7, 2013 - JAN 18, 2014 | NEW HOME & CONDO GUIDE SWO 45

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buildingblocks

The benefits of buying a new home by Jeff Paikin

Once you start house hunting, one of your first steps will

be to see what new-home builders have to offer in your desired community. New homes have stepped up to win the hearts and minds of homebuyers for the better part of the past decade where we’ve seen an unprecedented explosion in new home construction and buying. Once considered a luxury reserved for the rich and famous, new construction has opened the door to all price ranges and styles including highrise condominiums, townhouses, active adult communities and single-family homes. Those who have purchased a newly built property will agree that there are fewer experiences more gratifying than watching your home emerge from the ground up. Seeing how each step leads to the next and knowing where all the studs, pipes and wiring are can be every bit as rewarding as choosing your carpet, countertops and cabinets. Customization One of the primary reasons homebuyers are so drawn to new builds is that they get to customize just about everything in and out of their new home. Buyers are granted an abundance of design, colour and material options. Being able to tailor a home to your tastes can be one of the greatest features of buying a new home. Keep in mind, the freedom of choice associated with buying new, extends beyond just fixtures and finishes. Don’t overlook the convenience and comfort afforded by modern floorplans and layouts. Today’s lifestyle is drastically different from what it was even 10 years ago and many resale homes often lack the flow and space to satisfy. Take a tour of many existing homes and you’ll find poor layouts and wasted or unusable space. Builders today seek an integrated approach to family living with many of their designs. Friends and family often gather in the kitchen and cooking becomes a group project. Most people don’t want to be far from a TV or the rest of the family when they’re in the kitchen. Family rooms are placed next to the kitchen and eating areas to blend into one informal living space. Today’s kitchens are often larger than those found in older homes and feature many of the time saving conveniences that today’s cooks appreciate. Energy efficiency Energy efficiency is another major advantage new homes enjoy. There was a time in the not so distant past, where eco-friendly upgrades were considered a frivolous luxury, reserved for those who could “afford to care” about the environment. That is no longer the case. Many energy efficient features that were once pricey upgrade options have quickly become industry standards for all new homes. In fact, new homebuilders are required by law to meet stricter energy codes than in the past. Many existing homes were built when energy codes were either more lenient or in some cases nonexistent. Individuals who are committed to reducing their carbon footprint should keep in mind that it is far more cost effective to implement energy saving features in a newly built home than to retrofit an existing house. This creates a unique point of

Jeff Paikin (Past President of HHHBA) has been in the building industry for more than 20 years. As President and CEO of New Horizon Development Group (Builders of the inaugural CHBA Green Home of the Year), there isn’t much in the housing world he hasn’t seen. Jeff will provide regular insight and perspective of what’s going on in today’s market and what buyers should be aware of as they prepare to make a purchase. He can be reached at info@newhorizonhomes.ca

distinction for today’s new homes as compared to those built as recently as five or 10 years ago. Warranty Another one of the great advantages of buying a brand new home is the warranty. Purchasing a home is a significant investment, and you want to make sure it is well protected. In Ontario, every new home comes with a seven-year Tarion Warranty, which covers major structural defects and begins on the date you take possession of the home and ends on the day before the seventh anniversary of that date. For more information on Tarion warranties, visit tarion.com Pricing Make sure to take the time to compare the prices of existing homes to those of comparably-sized new homes. You’ll find that in many cases it’s actually cheaper to build new than it is to buy an existing home. Most homeowners looking to sell cannot offer the incentives or attractive financing options builders can to move their inventory. In the resale market buyers are often in competition with others and can be outbid. This process can be quite distressing for prospective buyers, who may have to agonize over the price to be offered and at the end of the day have nothing to show for their efforts. Contrast this with buying new – where usually a small deposit provisionally secures the property – and gives the buyer a reasonable time – usually two weeks – to get the mortgage in place, see a solicitor and then conclude the contract.

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communityfocus

Empire’s Communities celebrates banner year throughout its master-planned communities

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mpire Communities is capping off an outstanding year for its lowrise division. “I’m delighted to say that Empire had a record number of sales of new homes in Southwestern Ontario in 2013,” says Paul Golini, executive vice-president of Empire Communities. “Virtually every one of our communities enjoyed a significant number of sales. We’re certainly capping the year – and our 20th anniversary – on a high note.” Empire is one of the largest builders of master-planned communities in southwestern Ontario. “Our new home projects span from Niagara Falls to Kitchener-Waterloo and east to Uxbridge,” says Golini. “Empire Communities are truly The Best in the West.” Empire’s communities include Imagine in Niagara Falls, Summerlea in Binbrook, Wyndfield in Brantford, Victory in Stoney Creek, Riverland in Breslau, Lakeside in Brampton and Wyndance in Uxbridge. Here’s a snapshot of some of Empire’s highly successful new communities in the west.

Imagine, Niagara Falls Launched in Niagara Falls in July of this year, Imagine saw an overwhelming response from young couples, families and empty nesters with sales setting a record for the Niagara Region. This new master-planned community is highlighted by a series of neighbourhoods featuring homes including freehold townhomes, Park Townhomes, single family detached bungalows and two-storey detached homes. Imagine will also offer a number of green initiatives including renewable, eco-friendly geothermal technology and charging stations for electric cars.

Wyndfield, Brantford Empire’s most successful community set on scenic rolling terrain in southwest Brantford, Wyndfield offers townhomes and detached

Empire’s communities include Imagine in Niagara Falls, Summerlea in Binbrook, Wyndfield in Brantford, Victory in Stoney Creek, Riverland in Breslau, Lakeside in Brampton and Wyndance in Uxbridge. homes on a variety of home sites. Featuring outstanding layouts and Empire’s ever-popular Live-in Kitchen, Wyndfield’s functional layouts are ideal for young or growing families.

Summerlea, Binbrook Already a big hit with purchasers, the quaint, vibrant neighbourhood of Summerlea in Binbrook features a selection of charming detached home designs. Just minutes from downtown Hamilton, life at Summerlea offers the best of small town country living, with all the amenities of the big city just around the corner.

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EMPIRE COMMUNITIES

Multi-site

Victory, Stoney Creek The community of Victory received a stunning eight BILD Awards nominations in 2013, including Best Project of the Year, Lowrise. Ideally situated in prestigious Upper Stoney Creek on the mountain, Victory will rise next to Centennial and the Red Hill Valley Parkways and close to major highways the QEW, 407, 403 and 6.

Lakeside, brampton Empire recently announced that the homes of Lakeside will come complete with finished basements, including a full bathroom and living area, while an optional wet bar can easily be converted into a kitchen. Some of the larger homes will also include an additional bedroom in the basement. For loved ones living independently, but together, an optional side entrance will also be available.

20th anniversary To celebrate the company’s 20th anniversary in 2013, Empire also launched the Empire Heroes Program. The program was created for people working in hospitals, law enforcement and other EMS services in the neighbourhoods where Empire is building to assist them in buying a new home in any Empire Community.

“This program is open to police, firefighters, paramedics, doctors, nurses and other staff who work in hospitals,” explains Golini. “We’ve committed to offering anyone who works in these professions a two per cent discount on the purchase of their new Empire home.” As an additional Thank You, Empire Communities will also make a $1,000 donation to the local hospital for each new home purchased through the Empire Heroes program. “It’s been a remarkable year for Empire and we look forward to continue bringing beautiful communities to Southwestern Ontario in 2014,” says Golini. For more information on Empire Communities or any of these exciting developments, visit empirecommunities.com dec 7, 2013 - jan 18, 2014 | New home & condo guide SWO 49

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2013 EDITION FREE

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

MORTGAGE SMARTS SEPARATING FACT FROM FICTION

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inthenews

Rosehaven Homes and Averton Homes join forces to bring better new home selection

to Mount Albert

Homebuyers in the charming hamlet of outstanding value with homes offering a long list of Mount Albert are delighted to discover that their choice luxury upgrades that are standard. of new home designs has gotten even better. Floorplans are highlighted by features, such as With more than 70 years of home building experience gourmet kitchens and spa-inspired ensuites. between them, Averton Homes and Rosehaven Homes Contemporary interiors are designed for the modern are now combining their talents and track records in the family’s lifestyle and feature appointments such as ninecreation of Victoria Highlands. ft. main floor ceilings, quality designed kitchen and This family-oriented community calls to mind the bathroom cabinetry, imported ceramics and much more. character of Old Ontario while being just a half hour With sustainability in mind, all the homes are also being GO train ride from downtown Toronto. Averton built with Green design features for increased comfort Homes has built more than 400 homes in the Mount and energy savings. Albert area. Rosehaven Homes quickly established itself as Victoria Highlands has two separate sales centres leaders and award winners in the new home industry. open, with Rosehaven offering homes on the Since its inception more than 20 years ago, the company’s community’s 50-ft. lots, while Averton builds on all portfolio has grown to include more than 4,500 homes, the 33-, 40- and 65-ft. lots. all across southern Ontario and the GTA. Current “We share Averton’s vision of everything that projects include Lyon’s Creek in Niagara, Gibson Victoria Highlands can be,” says, Marco Guglietti Heights in Thorold, Tiffany Hill in Ancaster, King founder and President of Rosehaven Homes. “Mount Country Estates in Nobleton, Kleinburg Heritage Estates Albert offers an ideal location for new-home buyers, in Kleinburg, Woodland Trails and The Randall and we’re happy to be bringing Rosehaven’s signature Residences in Oakville, and The Neighbourhoods of quality here for the first time.” Mount Pleasant in Brampton. “The demand for homes and the potential development Since 1958, the Averton Group of Companies has in the area is incredible,” says Peter D’Ambrosio, completed more than 100 residential projects and president of Averton Homes. “We thought homebuyers created more than 10,000 homes and condominiums would be best served with a wider choice of homes, and across North America, winning multiple awards for quicker closings, so we invited Rosehaven to join us in quality and design. Averton is one of the leading building Victoria Highlands.” residential real estate development companies in Situated at Ninth Line and Mount Albert Road in Canada with offices in the Ontario, Alberta and British East Gwillimbury, Victoria Highland is less than 20 Columbia markets. They design, build and market minutes from Newmarket, Stouffville and Markham. single- and multi-family housing that meets diverse The quaint and historic village of Mount Albert itself is living needs, and develop master-planned communities home to shops, services and a variety of restaurants. that stand the test of time. With the two builders offering designs ranging in Prospective purchasers are invited to visit both sales size from 1,800 to 4,200 sq. ft., the community offers centres. The Averton Homes sales centre is at Hwy. 48 something for everyone, from first-time buyers to and Mount Albert Road (19103 Hwy. 48). The growing families to empty-nesters who enjoy having Rosehaven Homes sales centre is located at 19340 grandchildren come to visit. Ninth Line in Mt. Albert. With prices beginning from the mid-$400,000s to more than $700,000, Victoria Highlands represents For more information, visit lifeinvictoriahighlands.com 52 New home & condo guide SWO | dec 7, 2013 - jan 18, 2014

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current communities Chippawa/Niagara 50’ Singles & 35’ WIDE Bungalow Loft Townes from the $320’s Sodom Rd. & Mann St. 6 Models Now opeN

Thorold 45’, 40’, 36’ Singles, Semis, Attached Singles & Towns from the $250’s Quick Closings Available 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 2014 register today at Tiffanyhill.ca

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

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. DEC 7, 2013 - JAN 18, 2014 | NEW HOME & CONDO GUIDE SWO 53

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inthenews

Adi Development Group CREATES BUZZ AT LINK CONDOS + TOWNS

CELEBRATING WITH FRIENDS AND FAMILY, ADI DEVELOPMENT

Group makes the link between contemporary architecture and nature in Burlington, hosting Dinner X Design, a pop-up art and food gallery. Contemporary artists set the focal point for the evening; live painting installations inspired by Bronte Creek were afterwards donated to the Canadian Diabetes Association. With more than 300 guests in attendance, the LINK presentation was buzzing with energy. “We had an overwhelming positive response to the project, over three times the number of prospective buyers than were expected attended the exclusive preview,” says Tariq Adi, CEO of Adi Developments. Destined to become one of Burlington’s most sought after residential developments to-date, LINK Condos + Towns will integrate world-class contemporary architecture with the local, natural sanctuary of Bronte Creek Provincial Park. “We are very passionate about contemporary design and the Burlington community. The event was a fun way to spotlight local artists and highlight the stunning location of Bronte Creek. We are thrilled that the paintings done live onsite are being donated to the Diabetes Association of Canada, a cause very close to our hearts,” says Adi. Selina Jane Eckersall, founder of Burlington artists’ group No Vacancy, curated the experience set in the fully furnished model suite and presentation centre. “The ADI Development Dinner X Design event was a perfect pairing really because here we have a space that will soon be something brilliant and is in its early days,” says Eckersall.

A nexus of urban residences with a two-storey retail presence, LINK is set to become a defining city landmark. Tiered floors at shifting angles and dramatic balcony pods are designed to maximize views to the creek, a geometric matrix of cubes and graphic interplay of colour. A story of design’s ever-expanding influence, Roland Rom Colthoff, director of RAW design, paired with Chef Matt Kershaw of The Alex and Rapscallion to create a small plate dining experience inspired by LINK’s architecture. Cubes of mustard pork parallel LINK’s striking geometrics, while forest mushrooms reflect the verdant woodlands of Bronte Creek. Artfully distinguished at the corner of Dundas and Sutton, the four-building community is seamlessly connected by two multi-level glass pathways. Tinted by interchanging LED lights at night, the two “links” will be a public work of art.

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A nexus of urban residences with a two-storey retail presence, LINK is set to become a defining city landmark. Darlings of contemporary midrise architecture, RAW oriented the U-shaped community in Burlington towards Bronte Creek, valuing the integration of nature into a modern lifestyle. Every element of LINK’s form focuses on the courtyard’s unique linear slope to Bronte Creek. Burlington’s newest project follows hot-on-the-heels of the success of Adi Development Group’s launch project, Mod’rn condominium. Winner of four HamiltonHalton Home Builders Association 2012 Awards of Distinction, and nominated for 2013 Most Outstanding Midrise Development by the Ontario Home Builders Association, the experts agree: Adi Development is raising the stakes when it comes to midrise living.

Niagara’s Best Value

Located at the corner of Dundas and Sutton in Burlington, LINK Condos + Towns offers studios, onebedroom, one-bedroom plus den, two-bedroom plus den and two-bedroom suites and townhomes, ranging from 435 to 1,396 sq. ft. priced from the $170’s. To register, visit adidevelopments.com

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www.parklanehomebuilders.com Quality Built for Generations of Living Since 1989!LImited, Brokergae Exclusively represented by House of Homes (St. Catherines)

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DEC 7, 2013 - JAN 18, 2014 | NEW HOME & CONDO GUIDE SWO 55

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cityfocus

Opportunities abound in

Southwestern Ontario’s

I

varied markets

n Southwestern Ontario, the options for home location are plentiful, given the variety of markets that comprise the region. Indeed, the beauty of this area is that it’s made up of so many different locales – from Hamilton to London to KitchenerWaterloo to Niagara. Though all combine to make up part of the “Ontario” market, which is part of the “Canadian” market, they are all very individual markets, with distinct local economies, employment pictures and other important influences. One of the characteristic differences of SWO over the GTA, for example, is the region’s heavier reliance on a manufacturing economy. As the U.S. recovery strengthens into 2014, Southwestern Ontario is expected to be among the chief beneficiaries. And, of course, SWO also has the benefit of lower average home prices. In Hamilton, for example, average prices are about $150,000 lower than in Toronto. Here is a look at some of the key markets, highlights and opportunities in Southwestern Ontario. kitcHeneR-wateRloo Kitchener-Waterloo may have once been best known as the home of Kitchener-Waterloo Oktoberfest, meat processor Schneider Foods and the Ontario Hockey League’s Kitchener Rangers. But while rich in German heritage and other culture, the town of about 220,000 has more recently gained a reputation more for high technology than pork sausage and beer-inspired oompahs.

In fact, this vibrant community located in the Region of Waterloo in the heart of Southwestern Ontario, help form the three point-towns that make up “Canada’s Technology Triangle.” Kitchener-Waterloo and Cambridge today comprise one of Canada’s most diverse economies, evolving from a reliance on manufacturing into a balanced economy that crosses many sectors. Today, the area boasts a thriving advanced technology sector and a highly skilled workforce in the IT, automotive, business and financial services sectors. Complementing these strengths is a naturally advantageous location off Hwy. 401, close to major Canadian cities Toronto and Hamilton, as well as to entry points to the US at Michigan and New York. All of this has the region poised for long-term economic health. Employment and population growth, two key factors in housing demand, are both doing well in the area, though they are not without their challenges in the short term. But, according to CMHC, the picture was to brighten in the second half of 2013. Unemployment was forecast to be 6.6 per cent for 2013, which is unchanged from 2012 but down from 6.8 per cent in 2011 and eight per cent in 2010. In terms of population, net migration accounts for more than 50 per cent of the growth, CMHC says, and is expected to average more than 3,000 annually. The city, in fact, is second only to Toronto in attracting immigrants, with almost all of them under the age of 45.

KW at a glance PoPulation:

220,000

Major eMPloyers:

Advanced manufacturing, education, technology sectors average hoMe Price, june 2013:

$327,156

average hoMe Price, june 2012:

$316,836

distance froM toronto:

91 kilometres

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For prospective homebuying, KW-Cambridge is ranked as the number two investment area in Ontario between 2013 and 2018, according to the Real Estate Investment Network (REIN). In addition to the strong economy, a commitment to infrastructure improvements and transportation projects will help drive the economy and real estate market in this area, the group says. Builders seem to agree, as all of Branthaven Homes, Dunsire Developments, Empire Communities, Eastforest Homes, Fusion Homes, Laurel View Homes, Losani Homes, Monarch Corporation, Reid’s Heritage Homes, Terra View Homes, Kenmore Homes and Andrin Homes have developments underway in Kitchener, while Haastown Holdings and other companies are building in Cambridge. Hamilton Hamilton may be only less than an hour’s drive west along the Queen Elizabeth Way, but it has long lived in the shadows of its big city neighbour Toronto. Long known as Steeltown, Hamilton has undergone a fundamental transformation that has the city poised for long-term prosperity. For homebuyers considering purchasing in the area, there are good reasons to consider Hamilton. The city has been cited as among Canada’s most welcoming areas, particularly for first-time buyers. REIN, for example, has named Hamilton as the top real estate investment town in all of Ontario through to 2018. Continuing diversification of the city’s economy, coupled with increased accessibility provided by the transportation improvements, provides a strong economic base, the group says. In a few short years, Hamilton’s economy will be unrecognizable compared to past decades. In recent years, Hamilton has seen significant expansion in sectors such as health care and post-

secondary education, offsetting a historical reliance on steel manufacturing. Indeed, Hamilton’s economy today is much more diversified than the Hammer of old. Housing demand in Hamilton is to remain stable, as improving economic conditions and higher net migration will support demand in the area. Gradual improvement in job and income growth, combined with modest price increases, should support Hamilton resale activity, CMHC says. Developers see this potential and a number of new projects are underway from all of Losani Homes, Empire Communities, Multi-Area Developments, New Horizon Homes, Spallacci Homes and Country Green Homes, with many aimed at first-time buyers and priced accordingly. Oakville Oakville may be historically known for the famous Ford plant, oil refineries along the lakeshore and up-market homes, shops and restaurants. These days, Oakville may still show some of those classic characteristics, but it is increasingly earning a reputation as a city on the rise with a self-sufficient, driving economy. Blessed with a strong natural location along of the shores of Lake Ontario, with easy access to major Canadian cities as well as those in the U.S. via the QEW and rail lines, Oakville now shines in business as well as culture, recreation and leisure. With a vision to become “the most livable town in Canada,” the Town of Oakville is intent on building a robust economy with potential for future growth, and the local economic development authority has a comprehensive plan to capitalize on traditional strengths. Oakville Town Council, in fact, recently won an Economic Developers Council of Ontario (EDCO) award in the category of Redevelopment Initiatives, for its leadership in developing the Bronte Business Action Plan. The Bronte Business Action Plan, led by the town’s Economic Development department, was initiated to further Bronte’s economic development and urban revitalization. The Bronte BIA will implement the action plan from 2013 through 2016. A strong and diversified economic base offers an excellent location for both new and expanding businesses. More than 260 national and international corporate headquarters constitute an important part of the 4,500 employers in Oakville. Oakville’s top 100 employers by industry include companies from the automotive, manufacturing, pharmaceutical, professional service and construction industries. While manufacturing industries account for 15 per cent of employment, managerial, business and administrative categories make up 36 per cent of occupations. A number of new businesses have also made their way to Oakville, bringing more than 650 new jobs and absorbing more than 411,000 sq. ft. of commercial and industrial facilities.

Hamilton at a glance Population

692,000, metro area Major post-secondary institutions

McMaster University, Brock University, Mohawk College Number of public and catholic schools

180

Major employers

Health services, manufacturing, government, education sectors Average home prices

june 2013: $387,456 june 2012: $361,464 Distance from Toronto

70 kilometres, 45 minutes 58

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Oakville at a glance

Burlington at a glance

PoPulation

PoPulation

165,000

Major eMPloyers

Automotive, technology, pharmaceutical, construction average hoMe Price, june. 2013

$599,501

average hoMe Price, june. 2012

$568,224

Supporting all this development is a strong and further improving transportation infrastructure. Prime location at the centre of major transportation routes – the QEW and Hwys. 403 and 407 – facilitates access to major markets in Canada and the US. The network includes toll and toll-free expressways, commuter and urban public transit, by rail and bus, national and international rail service for people and goods, global passenger and cargo aviation services, and extensive inland and international marine shipping facilities. Developers see the growth potential in Oakville, and a number of projects are underway from companies such as Fernbrook Homes and Menkes Developments. And in nearby Hamilton, DiCenzo Homes, Multi Area Developments and New Horizon Homes have new openings, while in Burlington, Davies Smith Developments is also building. This means plenty of new-home shopping options for prospective buyers. BuRlington Ten years or so ago, if you were asked to describe Burlington, you might have thought of it as just west of Oakville, lots of land space, a bit of a bedroom community between Toronto and Hamilton. Burlington still shows those characteristics, but is increasingly earning a reputation as a city on the rise, with a progressive local government and economic development office helping to build a self-sufficient economy.

175,000

Major eMPloyers

Sales and service, business finance administration, management, trades and transport sectors average hoMe Price, june 2013

$390,572

average hoMe Price, june 2012

$363,162

Burlington shines in business as well as culture, recreation and leisure. Like Oakville, Burlington’s proximity to Hamilton, the GTA and the U.S. is central to its prosperity. The city has a clear vision of its future. Core economic strengths focus on advanced manufacturing, software development, financial services, biotechnology, environmental and logistics enterprises. Increasing diversity is one of the keys to future growth, as this would build resilience and sustainability to expand further beyond its traditional industrial markets. Mayor Rick Goldring says the Burlington Economic Development Corp. is one of the city’s top priorities in 2013. City Council has endorsed aggressive growth targets and has formally asked BEDC to take a more direct and active role in the short- and long-term development and marketing of Burlington. Already well positioned with extensive access to regional, national and international transportation networks, the city is also the beneficiary of recent investments in infrastructure to improve highways and mass transit, to facilitate business growth and community development. Currently in Burlington, a disparity exists between local jobs and the skillset of residents, says BEDC. Residents have to commute outside the city to find work, particularly in professional services. As a result, approximately 55 per cent of Burlington residents commute to jobs in Oakville, Mississauga and Toronto. In the manufacturing industry, the opposite occurs, as Burlington imports labour from outside the city. All of this is important news for prospective new-home buyers looking to buy in and around Burlington. These plans mean more local job opportunities, which leads to employment and average wage growth – key determining factors to support new housing and increasing real estate values. Developers catering to this demand include: Branthaven Homes, with two- and three-storey luxury townhomes in downtown Burlington; Tobyn Park Homes, which is building ParkCity, a condominium also in the downtown area; and Adi Development Group is building Mod’rn Condominium, in the heart of the city. dec 7, 2013 - jan 18, 2014 | new Home & condo guide Swo 59

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inthenews

Homes by DeSantis

celebrates outstanding 2013 with big plans for 2014 It has been a busy year for

Homes by DeSantis. A keen focus on delivering the outstanding product DeSantis is known for kept sales strong and the office busy with happy homeowners moving in regularly. When developing in new communities across the Hamilton and Niagara regions, the organization strives to show the citizens the same support they have given by supporting various worthwhile causes. In 2013, the company continued to support partners such as Relay for Life, The Ronald MacDonald House and the Princess Margaret Hospital Foundation. Homes by DeSantis would like to take this time to reflect on the progress of the past year as well as announce the great things to come in 2014. With more than 70 per cent of the community already sold construction has begun at Lincoln Square. The Town of Lincoln Community centre project is also well underway and the site is a buzz with activity. Living in Lincoln Square means walkable access to all of the great features made available at the new community Complex, such as an arena with an NHL-size ice surface and 500 seats, a walking track and new library. Coming early March the new Fiera Collection of unique urban town homes will be introduced. Abound with modern features these homes will be ideal for the first-time buyer. Register online for exclusive access to pre-launch events and pricing. A community with construction well underway is the award-winning development in Chippawa. Lyon’s Creek has taken shape over 2013, with dozens built and purchasers now

calling the community home. The model homes opened in June to much fanfare with hundreds of people passing through over the weekend. A big hit with all that visited was the outstanding Berkshire Bungalow loft model. At 2,558 sq. ft., this impressive home allows for main floor living with plenty of extra room for guests in the loft area. Another exciting project, aptly named On the Ridge, will be located on the stunning Stoney Creek Mountain. With parks, schools and retail nearby this French Country themed build will provide high level style for those with discerning tastes. Freehold townhome plans range from 1,300 to more than 1,800 sq. ft., with something for every lifestyle and price range. Exteriors will include stone, brick, stucco with board and batten and cedar shake accents, some with double car garage. Inside you will find outstanding kitchen designs, ensuites to die for and impressive walk in closets. Pre-register now for the grand opening event scheduled for April 2014. Tiffany Hill phase one was completed this year in Ancaster, with the last home sold in November. With the success of phase one, a second phase is soon to follow. There will be a release of new fabulous ravine lots and exciting new plans as well as the return of best-selling plans such as the Jade. Homes by DeSantis extends its gratitude to everyone who made 2013 a success. Without continued support of trades, staff, partners and homeowners, it would not have been possible.

60 New home & condo guide SWO | dec 7, 2013 - jan 18, 2014

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Chinese Home & Condo Guide C

hinese home and condo buyers

網上 參閱 / Nov 23, 2013 - Jan 25, 十一月二十三日至一月二十五日

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GTA Chinse Front Cover_1125

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inthenews

Report shows new-home buyers

paying thousands extra due to delays Real estate purchasers in Ontario are

Applicants in Ontario are generally told

paying thousands of dollars in costs tacked onto the to expect to wait three months, but price of newly built homes and condos as a result of costly delays in the site-plan approval process, according this is rarely the case. Over 35 per cent to a recent report. of applications take longer than nine Earlier this month, the Ontario Association of months, based on a sample of 477 Architects (OAA) released the first report to quantify applications analyzed in the report. the cost of the site-plan approval process in Ontario. The financial impact of delays in the process is unit condominium building, including lost equity by not widespread across the local economy, delaying jobs, starting a mortgage sooner and additional rent costs. affecting new-home buyers waiting to move into homes, Over the typical six to 12 months of delays, these costs commercial tenants waiting to evolve their businesses, can add up to between $14,250 and $28,500. developers sitting on undeveloped land, and Also included in the $2,375 monthly cost borne by municipalities unable to collect property taxes. homebuyers are higher home prices caused by the “This report clearly shows that the site-plan approval excessive costs that residential developers incur through process is inefficient and costly. These costs are passed delays, including additional taxes, financing, inflation on along to all Ontarians so public awareness is important,” construction costs and materials. For a 100-unit says Bill Birdsell, president of the OAA. condominium building, residential developers lose, on Currently no template exists to encourage a timely, average, $193,000 per month, adding between $1 consistent and objective process. Each municipality is million and nearly $2.5 million over the course of the left to interpret the framework on its own, causing huge process. That’s in addition to the initial costs of inconsistency of application across the province, which application, which can be tens of thousands of dollars. results in extensive delays and costs. Applicants in Ontario are generally told to expect to The process is designed to examine the technical wait three months, but this is rarely the case. Over 35 per aspects of building access, layout, parking and cent of applications take longer than nine months, based landscaping to ensure that the development will be safe, on a sample of 477 applications analyzed in the report. efficient and aesthetically pleasing. The OAA and other industry partners, including “The intent of the site-plan approval process is to be BILD, are calling on the province to step in and provide a technical review only, but it has become a design clear direction and guidelines to allow for consistent review. This takes way too long and isn’t the point of the application of the process across the province. process. It adds to the inefficiencies and costs outlined “We are organizing a meeting with The Ministry of in the report. Moreover, the question remains, are we Municipal Affairs and Housing and we are asking the getting better buildings as a result of the process?” says Ministry and other stakeholders if these costs outweigh Gary Switzer, the Building Industry and Land the benefits,” says Birdsell. Development Association (BILD) Toronto co-chair and CEO of MOD Developments Inc. So how do you prevent an Ontario-wide money pit? Points of weakness in the process identified by the “One potential solution recommended in the report is a report were a lack of municipal expertise, objectivity and team approach, where a number of departments gather co-ordination between municipal departments, and together to review an application at the same time,” unnecessary submission requirements. The report shows says Switzer. “As it stands right now, the Planning that the costs of these inefficiencies are often passed Department has the role of quarterbacking the process, along to end-users. but they are severely understaffed, and this team Among the troubling findings, each month of delay approach is not happening. Streamlining the process costs new-home buyers an average of $2,375 for a 100- would shorten the time lines.” 62 New home & condo guide SWO | dec 7, 2013 - jan 18, 2014

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inthenews

Empire partners with KSI to unveil electric vehicle charging in new Imagine community in Niagara Region

paul Golini Jr., executive vice-president of Empire Communities, charges a Tesla S using a KSI - GE DuraStation charger.

Empire Communities and partner Koben Systems Inc.

(KSI) recently celebrated the official unveiling of the first electric vehicle charging stations in the newly launched second phase of Empire’s Imagine community development in the Niagara Region of Ontario. “Empire’s new master-planned community blazes a new trail and sets the standard for sustainable living in the Niagara region,” says Vic Burconak, president and CEO of Koben Systems Inc. “With the footprint and infrastructure that only Empire Communities can offer installation of EV charging stations in local communities can help tip the balance for EV adoption in Canada.” “Consumer adoption of EV technology has been slow because of the concern of accessing reliable, safe and affordable EV charging stations for daily and long-haul commutes,” says Paul Golini, executive vice-president of Empire Communities. By partnering with KSI, and installing electric vehicle charging units right in Imagine Centre of the community, we are helping to pave the way towards helping Canadians achieve their desire for energy conservation and Greener living. Our sustainability vision is coming to fruition and this is an important part of our road to realizing it.” Koben Systems is a leading integrator of  energy management and

sustainability products and services, including GE EVSE charging solutions and the KSI Computerized Smart Electrical Panel for back-end EVSE infrastructure. KSI is committed to working with municipal, commercial, retail and residential property owners towards creating a sustainable future through high-performing healthy Green technology. Empire Communities is one of the region’s leading builders, providing local families with outstanding homes in Hamilton, Ancaster, Dundas, Stony Creek and Niagara Falls. For more information, visit empirecommunities.com dec 7, 2013 - jan 18, 2014 | New home & condo guide SWO 63

063 News Empire_VB-WK.indd 63

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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 The preview continues ��� last chance for pre-construction pricing in this community of quadroplex and townhome designs. eastforesthomes.com

new openings sifton properties London | Westwood Village Grand opening of luxury one-floor Energy Star condos from the low $300’s. sifton.com geranium homes Woodstock | The Village at Sally Creek Designer decorated models open – semi-linked and fully detached bungalows and bungalow-lofts in this adult lifestyle community. geraniumhomes.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 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

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

64 New home & condo guide SWO | dec 7, 2013 - jan 18, 2014

064 Sneak Previews LONDON_VB-WK.indd 64

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London:

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Buy a new Eastforest Home in December and enjoy a lighting package on us! Designer Lighting Package and LED bulbs in all lights included in your home.

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For Presentation Centre locations visit:

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OPPORTUNITY. OPPORTUNITY. OPPORTUNITY.

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^^^+PZJV]LY;PSSZVUI\YNJH ^^^+PZJV]LY;PSSZVUI\YNJH ^^^+PZJV]LY;PSSZVUI\YNJH ϳϭ DEC 7, 2013 - JAN 18, 2014 | NEW HOME & CONDO GUIDE ϳϭϳϭ SWO 67

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068-NH-SotM DEC-Tillsonburg.indd 1

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Model Home Compliments of Tillsonburg Developments Inc. www.baldwinplace.ca

Tillsonburg Developments Inc. BUILDING THIS FINE COMMUNITY

Baldwin Place, a truly Active Adult Lifestyle Community of Customizable Freehold Bungalows starting in the low $200’s with On-site Recreation Center. Located within the Town of Tillsonburg with its full-service amenities and temperate climate. Model Shown: Gainsborough Elevation ‘B’. Come visit our New Sales Center and walk through our all new Model Home line-up.

DECEMBER2013 TILLSONBURG DEVELOPMENTS INC. HAS BEEN FEATURED AS “MODEL HOME OF THE MONTH” AS SEEN IN THE NEW HOME AND CONDO GUIDE MODEL HOME CALENDAR


BP2013 NH&C Ad 2 :Layout 1

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Lifestyle 21st Annual

HOME SHOW AGRIPLEX - Western Fair District I JANUARY 24, 25, 26, 2014 FRIDAY 24TH 12PM-9PM SATURDAY 25TH 10AM-8PM SUNDAY 26TH 11AM-5PM

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moneymatters

Holiday shopping without the hangover by gail vaz-oxlade

The holidays are just around the corner and only the

most savvy of us have everything under control. That’s one of the problems with our very busy lives… there’s just no time. But if you want to have a happy holiday that doesn’t leave you holding your aching head when the bills roll in come January, you have to start planning early. The longer you wait, the more you’re prone to give in to stress, make impulse purchases, blow your budget or even buy a lame gift. Look at your holiday spending as you would any other big-ticket item. While you’re splitting the cost among a variety of expenses, the bottom line is still the same – you’re spending a lot of money in a short period of time. In the best of all worlds, you would have started saving for your holiday spending in January. Yes, you would have made it a budget item and set aside $10, $50, $150 a month so when the season rolled ‘round, you’d be ready. After all, it’s way easier to set aside $100 a month than to come up with $1,200 all at once. This is how I do it, and come August I start keeping my eyes open for “deals” on things I know my friends and family will love. if you can’t do that, start here, with THIS “Holiday Spending Plan”:

›› Write down the amount you want to spend in each category of holiday expenses. Gifts are only the beginning – don’t forget to account for travel costs, postage and shipping, decorating, greeting cards, entertainment and photos. ›› List the people you plan to shop for under the gift category, then divide up your budget accordingly. Limit your budget to what you can afford right now and avoid a financial hangover in the new year.
If you spend $500 on a credit card at 18 per cent interest, and pay the minimum each month, it will take you seven years – and cost $365 in interest – to pay it off. Consider setting a dollar limit on gifts or drawing names among extended family, roommates or co-workers.
 ›› Jot down any gift ideas that you might have for the people on your list. Comparison-shop online before heading to the store. (Don’t forget to include shipping costs in your calculations if you decide to buy online.)

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

›› Co-host a party with a pal or sibling, and share the cost. ›› Make sure you set a dollar limit for your soirée. And list the items, ingredients and décor you’ll need and how much each will cost. ›› Remember, that the best gifts don’t have to cost money. If you’re financially challenged this year, offer up your time baby-sitting, cooking meals, house cleaning, massaging, sewing, knitting, transporting, or whatever else you’re good at. Clip a picture of the service you’ll provide and be clear on how often, as in “I’ll baby-sit one weekend a month from February to June.” Or better yet, make your own coupon book. There now, you don’t have to worry about starting the new year with a financial hangover. Happy holidays!

A dash of planning and a dab of creativity can also help you keep your entertainment costs under control:

›› Invite guests to bring something to share at a potluck dinner. ›› Serve brunch, throw a finger-food party or host a wine and cheese tasting instead of a full-blown turkey dinner. 71

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stylefile

A holiday home

Lydia McNutt chats with interior designer Heather Segreti on ‘Twas the night decorating with festive flair before Christmas, It’s easy get into the festive spirit, especially

when the stores begin setting up their winter wonderland window displays the day after Halloween. The holiday season seems to come sooner and sooner every year, and let’s face it – by the time the holidays actually roll around, things can get out of hand. Interior designer Heather Segreti offers some tips to welcome the festive season in style. “People run into problems when they continually purchase new decorative items each year, and then end up with a home full of goods – none of which work together,” Heather says. “So, a plan is your best friend.”

your home is aglow, with lighted white candles and sweet mistletoe. The garlands are decked out with small silver bows, dressed to impress, thanks to tips from this pro...

72 New home & condo guide SWO | dec 7, 2013 - jan 18, 2014

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1. Heather’s tips for a Holiday Home: » Examine the style of your space, and follow that direction with your decorations. Is it traditional, contemporary or something in between? » Choose your colour scheme. For a cohesive aesthetic, look to your everyday décor to inspire your holiday palette. For example, if you have brass hardware, then gold ornaments may work for you. If you’re a brushed nickel or chrome kind of person, then silver will probably catch your eye. Starting with a colour palette will keep you on track when you are out shopping. You will stick to your colours – if you have opted to go gold, you will pass on the silver garland, even though it is on sale. » Less is more. The festive items you choose should blend in with your existing décor without looking out of place or cluttered. This may mean relocating some of your everyday accessories, or putting them away over the festive season to make way for the wonderfully themed decorative items you’d like to put on display. 2. The gift of great style: » Glass vases filled with silver and white ornaments can replace your yearround dining room centrepiece. » Silver candlesticks tucked among sprigs of aromatic cedar can replace your usual year-round mantel décor. » “Real” cedar and pine decorative garland to line the mantel or dining table is always a classic choice and looks good in any style space. I am a fan of the real thing when it comes to greenery, however there are many good replicas on the market that will last through many holiday seasons. 3. hot mantel décor: Fireplaces are so much fun to decorate during the holidays. This is where you can create a real focal point. First, clear out the existing mantel décor so you have a clean slate to work with. Start with some fresh greenery in keeping with the holiday spirit – cedar or pine work well. If you can add lights which plug in discretely, then go ahead. If not, opt for the battery-operated light strings to eliminate unsightly power cords. Next, take some decorative ribbon that matches your colour scheme and wind it loosely through the garland. Add candles, pinecones and glass ornaments to finish off the look. The mantel is the place to display your fragile or sentimental ornaments – especially if you have children or pets. It’s out of the way, yet the centre of attention. Replace the artwork you have hanging above the mantel with a starburst mirror or a festive wreath. Remember to stick to your theme, and coordinate the mantel with the other pieces of holiday décor that is on display. The hearth is another place that will require some attention. Consider creating a landscape of tall standing figures, such as snowmen or a wonderful wooden Nutcracker. Just remember not to clutter things up too much. The key is to remove your year-round décor and replace it with your favorite festive pieces. Less really is more. heather segreti Founder and president of Toronto-based Segreti Design, Interior Designer Heather Segreti is a member of ARIDO and IDC, with more than 22 years of experience. segretidesign.com 73

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12/5/13 1:24:04 PM


inthenews

Habitat for Humanity Canada

rebuilding this holiday season with bricks, nails and even the kitchen sink Fifty pounds of framing nails and a pallet of

bricks may not be typical holiday gifts, but they top the wish lists of families across Canada dreaming of owning their own homes. Habitat for Humanity helps make those dreams become a reality with access to affordable homeownership. Not only does Habitat improve living conditions through good housing, but the organization helps low-income families secure a significant asset that would otherwise be out of reach. Habitat’s GiftBuilder catalogue offers Canadians a one-stop shop for gifts for friends and family members looking to make a difference. Savvy shoppers can avoid crowded malls, shop online with ease, receive tax receipts for all their catalogue purchases and send friends and family an e-card acknowledging the gift. If Secret Santa isn’t cutting it anymore in the workplace, people can instead pool funds for items such as $500 for a Habitat home’s electrical wiring or $1,200 to build a child’s bedroom. “By helping families own their own home, Habitat donors are making a real difference in ending the cycle of poverty,” says Kevin Marshman, president and CEO of Habitat for Humanity Canada. “The families and scores of volunteers do the building, but we rely on the generosity of our communities to help provide the tools and materials.” The catalogue offers 31 gift items, ranging from $16 to donate a screwdriver set to $5,000 to put up a roof. And there is plenty of opportunity to have fun:

The catalogue offers 31 gift items, ranging from $16 to donate a screwdriver set to $5,000 to put up a roof.

»G  et the home renovator a $28 hammer or $36 handsaw; »E  nvironmentalists will love the $45 energy efficient showerheads

since Home Outfitters matches each donation; »D  ecorating divas will naturally gravitate toward the two cans of

paint for $62; »F  or the poker players in your life, a $130 toilet beats a flush; and »L  ego fans will surely appreciate a $140 pallet of bricks.

During this holiday season, support Habitat for Humanity and give gifts that build a lasting legacy. Donate and shop today at habitat.ca

74 New home & condo guide SWO | dec 7, 2013 - jan 18, 2014

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homebuyers’help

HomeBuyers’ Resource Section You love the home, see what you can afford! Compare mortgage rates for your best deal  alculate your mortgage payments using the C mortgage payment calculation chart

dec 7, 2013 - jan 18, 2014 | New home & condo guide SWO 75

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DEC 5-7

Christmas in Gore Park 2013 GORE PARK HAMILTON

dec 7-23

Homestead Christmas BRONTE CREEK PROVINCIAL PARK OAKVILLE

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Dec. 7 to Jan. 18, 2014 Calendar of events beginning from Dec. 7 to Jan. 18, 2014

Thirty-fourth annual Christmas Craft Festival, at the Progress Building, Western Fair District, is London's largest craft show and sale, with more than 150 artisans participating over the four days. londoncraftshows.com

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A McFarland Christmas MCFARLAND HOUSE NIAGARA-ON-THE-LAKE

Enjoy a lush Victorian Christmas with period decorations at the historic McFarland House in partnership with the Garden Club of Niagara and the Rotary Club of Niagara-on-the-Lake. niagaraparksheritage.com

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Winter Whimsy HAMILTON CHILDREN'S MUSEUM HAMILTON

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jan 16-18

The London Wine & Food Show WESTERN FAIR DISTRICT LONDON

Samples the wares of wineries from across Ontario, local restaurants, craft beers, spirits and liquors. Food connoisseurs and wine experts, tasting seminars, cooking demonstrations, divine sampling opportunities and informative exhibits. Not only will you have a fun night out with friends, you can expand your palette and try your favorite or experience new food wine and beer! westernfairdistrict.com

dec 7, 2013 - jan 18, 2014 | New home & condo guide SWO 79

079 Hot Dates-VB-WK.indd 79

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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 | dec 7, 2013 - jan 18, 2014

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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 dec 7, 2013 - jan 18, 2014 | new home & condo guide swo 81

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Compare mortgage rates for your best deal CHARTERED BANKS

Variable

ATB Financial

2.7

Alterna Svgs/Alterna Bk

3

Bank of Montreal

3

Bank of Nova Scotia

6 Months

2.7

1 Year

2 years

3 years

2.94

2.89

6.30op

6.50op

4

3.09

3.14

6.30op

6.30op

6.30op

3.14

3.19

4 years

3.19

3.35

4

3.14

6.30op

6.30op 3.89

3.95

3.59

4.55

3.75

6.45op

6.50op

4

3.14

6.45op

6.30op

CIBC

3

HSBC Bank Canada

3

ICICI Bank Canada ING Direct Manulife Bank

6.70op

3.09

3.14

3.95

4.39

Canadian Western Bank

3.14

2.89

4.74

2.99

4.74 3.59

5 years 3.79 3.59 3.79 3.59 5.34 3.79

6.35op

4.45

2.7

6.20op

6.35op

3.95

3.13

4.99

3.69

3.05

3.15

3.65

3.64

3.69

3.89

3

3.19

3.24

3.59

3.69

4.09

3

3.2

3.35

3.45

3.74

2.8

4.45

4.00op

MonCana Bank

3.69

3.75

3.79

3.79

3.69

National Bank

4.4

3.14

3.14

3.95

4.74

5.34

6.70op

6.70op

n/a

President’s Choice Finan

3

3.24

3.59

3.69

4.09

Royal Bank

3

3.14

3.85

3.49

3.79

TD Canada Trust

4

3.14

6.30op

6.30op

3

3.09

3.14

3.95

4.74

3.79

6.30op

TRUST COMPANIES Community Trust n/a Effort Trust n/a Home Trust Company 2.65 Investors Group Trust n/a MTCC 2.7

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.25 3.95 4.74 3.25 3.6 3.95 4.7 6.30op 2.89 2.89 3.09 3.39 3.14 3.14 3.95 4.74 6.30op 3.75 3.89 2.89 4.39 6.50op

5.34 4.95

3.01

3.99

3.59 5.34 3.59

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U.

4

Comtech Credit Union

3.33

3.65

6.2

2.99

6.40op

6.30op

First National Fin. LP

3.95

FirstOntario C.U.

2.95

3.1

6.25op

2.7

London Life

n/a

MCAP

6.34op

3.24

2.99

2.79

3.09

3.39

3.59

3.14

3.34

3.39

3.59

6.34op 3.14

6.30op

4

3.59

3.09

4.2

2.7 2.75

3.29

6.50op

Meridian Credit Union

3.25

3.6

3.14 3.95

3.95 4.35

4.74 4.89

5.34 5.14

7.00op 3.09

3.14

3.65

3.49

3.59

6.30op

Parama Credit Union

2.85

2.95

3.05

3.25

3.40

3.60

Steinbach Credit Union

2.5

2.5

2.7

2.9

3.05

3.25

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 December 2, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

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IN THE MARKET FOR A

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84 New home & condo guide SWO | dec 7, 2013 - jan 18, 2014

084 Advertisers index_VB-WK.indd 84

12/5/13 1:24:11 PM


fundamentallyspeaking

Fundamentally solid in by WAYNE KARL

2014

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

August 2013, manufacturing was the second and elsewhere in New Home & Condo Guide about the importance of doing largest sector in Hamilton, accounting for your research and due diligence when buying a home. One of the best re- approximately 13 per cent of total employsources – if you’re a first-time or move-up buyer or even an investor – is ment in the area. Canada Mortgage and Housing Corp. (CMHC). With such employment potential, positive And of all the valuable information and data CMHC produces, none is net migration from the GTA will continue more educational than its annual housing outlook conferences, recently to stimulate demand for lowrise housing. rolled out across the country. Housing starts are expected to reflect the It’s impossible for all homebuyers and homeowners to attend these recent rebound in existing home sales. Activevents, for obvious reasons, and since they are open mostly to those in ity in the resale market typically lead trends the industry. But if ever there was an excellent refresher on the funda- in new home construction. Total housing mentals that determine and support real estate market conditions, and starts in the Hamilton CMA will edge up in puts it all in perspective, this is it. 2014, CMHC says. Given the overall challenges elsewhere HERE IS A SUMMARY OF SOME KEY POINTS: in Canada and Ontario, looking at the big » The economy: Ontario’s economy will not quite match the growth seen picture and long term in Southwestern elsewhere in Canada for 2013, but in 2014 it will gain ground against other Ontario, the important determining factors provinces. Momentum is shifting away from emerging economies and towards are – fundamentally solid. the U.S., whose recovery is gathering steam. This will support Ontario’s export sector and business sentiment, and Southwestern Ontario economies will benefit most from the improving goods sector performance. » Mortgage rates: Mortgage rates are to see modest and gradual increases late in 2014, but will remain low by historical standards. This outlook will continue to support housing market activity next year. » Housing starts: Housing starts, an important indicator of growth and health of the housing sector, will ease slightly in 2014. Growth in the price for new single-detached homes will shift demand to more affordable low-rise options such as semi-detached and rowhomes. » SWO market: So, what does all this mean? With the U.S. economy continuing to strengthen, Ontario will be among the chief beneficiaries. “U.S. consumers have come out of hibernation,” says Ted Tsiakopoulos, CMHC regional economist. » SWO opportunities: As the U.S. economy improves, so too will the manufacturing sector in Southwestern Ontario. This means job growth. Hamilton, for example, is forecast to add about 4,000 new jobs in 2014, as some prominent projects open. Maple Leaf Foods’ and Navistar’s distribution centre are expected to hire more than 750 Hamiltonians next year. As of WE’VE OFTEN DISCUSSED IN FUNDAMENTALLY SPEAKING

DEC 7, 2013 - JAN 18, 2014 | NEW HOME & CONDO GUIDE SWO 85

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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.

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To Our Homeowners and Team,

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Southwestern Ontario New Home and Condo Guide - Dec 7, 2013