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WAYNE KARL
EDITOR-IN-CHIEF
Active Life Magazine
EMAIL: wayne.karl@nexthome.ca
TWITTER: @WayneKarl
When Canadians go to the polls in the April 28 federal election, there’s a lot at stake. Most pressing is the ongoing threat of U.S. tariffs and the existential questions it raises. Just as important, perhaps, and something that cannot get lost in the process – housing.
On that front, Liberal leader Mark Carney on March 31 announced what is being called Canada’s most ambitious housing plan since the Second World War, that would build more homes that Canadians can afford (see page 8).
Among other things, the plan would create Build Canada Homes (BCH) to get the federal government back into the business of homebuilding; and make the housing market work better by catalyzing private capital, cutting red tape and lowering the cost of homebuilding.
This, in addition to earlier announced plans to eliminate of the GST for first-time homebuyers on homes at or less than $1 million.
Meanwhile, the Conservative party has also pledged that, if elected, it would eliminate the GST on all new homes of less than $1.3 million.
These are exactly the kinds of substantive initiatives that we need to address the serious issues facing the housing sector, and industry groups across the country are applauding the moves.
“We are pleased that two major federal parties have made substantial promises regarding GST on new homes,” says Kevin Lee, CEO of the Canadian Home Builders’ Association. “In light of the tariff war with the United States, it is doubly important that all avenues to improve housing affordability for Canadians are explored. Addressing the GST on new housing is certainly a step in the right direction in ensuring Canada has a comprehensive plan to support better housing affordability and supply in the face of increasing construction costs, and is long overdue.”
And from the Building Industry and Land Development Association (BILD), “BILD welcomes Liberal leader Mark Carney’s housing platform commitments. These are the reforms BILD has been advocating for, to address the housing crisis in the GTA.”
We have about a week to election date. While much of the issues discussion will centre around Donald Trump and the U.S., it’s important to keep watch on who promises what when it comes to housing. However the tariff threat plays out, the homebuilding issue will remain long after April 28.
Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm based in Toronto. thinkhomewise.com
Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.
Debbie Cosic is CEO and founder of In2ition Realty. She has overseen the sale of more than $15 billion worth of real estate. With Debbie at its helm, In2ition has become one of the fastest-growing and most innovative new home and condo sales companies. in2ition.ca
Mark Cullen is a Member of the Order of Canada, and provides gardening advice to more than two million Canadians each week. Ben Cullen’s specialty is food gardening. markcullen.com; Facebook @MarkCullenGardening and Pinterest @MarkCullenGardening.
Greg Gazin is a syndicated tech columnist, blogger, podcaster, and contributes to canoe.com, Troy Media and Active Life magazine. gadgetguy.ca
Barbara Lawlor is CEO of Baker Real Estate Inc. A member of the Baker team since 1993, she oversees the marketing and sales of new home and condominium developments in the GTA, Vancouver, Calgary and Montreal, and internationally in Shanghai. baker-re.com
Linda Mazur is an award-winning designer and Principal of Linda Mazur Design Group. With almost two decades of experience this in demand multi-disciplinary design firm is known for creating relaxed, stylish spaces and full-scale design builds throughout the GTA and Canada. lindamazurdesign.com @LindaMazurGroup
Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law Partners LLP. Visit online at schwarzlaw.ca or email info@schwarzlaw.ca with your questions, concerns, critiques and quandaries.
Natalie Tommy is Vice-President of Marketing at Wellings Communities. wellingscommunity.com.
Dave Wilkes is President and CEO of the Building Industry and Land Development Association (BILD), the voice of the homebuilding, land development and professional renovation industry in the GTA. For the latest industry news and new home data, follow BILD on Twitter, @bildgta or visit bildgta.ca.
SENIOR VICE-PRESIDENT, SALES, NEXTHOME Hope McLarnon 416.708.7987 hope.mclarnon@nexthome.ca
DIRECTOR OF SALES, ONTARIO, NEXTHOME Natalie Chin 416.881.4288 natalie.chin@nexthome.ca
SENIOR MEDIA CONSULTANTS Amanda Bell 416.830.2911 amanda.bell@nexthome.ca
EDITORIAL DIRECTOR Amanda Pereira
EDITOR-IN-CHIEF – GREATER TORONTO AREA
Wayne Karl wayne.karl@nexthome.ca
CONTRIBUTORS
Jesse Abrams, Mike Collins-Williams, Ben and Mark Cullen, Debbie Cosic, Greg Gazin, Barbara Lawlor, Linda Mazur, Jayson Schwarz, Natalie Tommy, Dave Wilkes
EXECUTIVE MEDIA CONSULTANTS Jacky Hill, Michael Rosset
VICE-PRESIDENT, MARKETING – GTA Leanne Speers
MANAGER CUSTOMER SALES/SERVICE Marilyn Watling
SALES & MARKETING CO-ORDINATOR Gary Chilvers
BUSINESS DEVELOPMENT MANAGER Josh Rosset
DISTRIBUTION distributionteam@nexthome.ca
ACCOUNTING INQUIRIES accountingteam@nexthome.ca
DIRECTOR OF PRINT MEDIA Lauren Reid–Sachs
VICE-PRESIDENT, PRODUCTION – GTA Lisa Kelly
PRODUCTION MANAGER – GTA Yvonne Poon
GRAPHIC DESIGNER & PRE-PRESS COORDINATOR Hannah Yarkony
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Mark Carney has announced that a new Liberal government would build more homes that Canadians can afford, with Canada’s most ambitious housing plan since the Second World War.
During and after the Second World War, Canada was facing a massive housing crisis – similar to today’s. In response, the government of the day built tens of thousands of affordable starter homes for returning veterans and their families. Prime Minister William Lyon MacKenzie King’s policies created new agencies to oversee the construction of homes, built entirely new industries, and found ways to cut costs and cut the time to build.
“In the face of President Trump’s tariffs, we need to build for Canadians,” says Mark Carney, leader of the Liberal Party of Canada. “We’re going to build homes Canadians can afford, and a new industry that can take on the world. We’re going to get the government back into the business of homebuilding, while partnering with workers and industry, and cutting taxes for homebuyers – so more Canadians can buy their first homes.”
Carney-led says a Liberal government will double the pace of construction to almost 500,000 new homes a year, with a housing plan that will:
• Create Build Canada Homes (BCH) to get the federal government back into the business of homebuilding, by:
- Acting as a developer to build affordable housing at scale, including on public lands;
o Catalyzing the housing industry by providing more than $25 billion in financing to innovative prefabricated homebuilders in Canada, including those using Canadian technologies and
resources such as mass timber and softwood lumber, to build faster, smarter, more affordably and more sustainably; and
- Providing $10 billion in low-cost financing and capital to affordable homebuilders.
• Make the housing market work better by catalyzing private capital, cutting red tape and lowering the cost of homebuilding:
- Cutting municipal development charges in half for multi-unit residential housing while working with provinces and territories to keep municipalities whole;
- Reintroducing a tax incentive which, when originally introduced in the 1970s, spurred tens of thousands of rental housing across the country;
- Facilitating the conversion of existing structures into affordable housing units; and
- Building on the success of the Housing Accelerator Fund, further
reducing housing bureaucracy, zoning restrictions, and other red tape to have builders navigate one housing market, instead of thirteen.
These measures are in addition to the earlier announced elimination of the GST for first-time homebuyers on homes at or less than $1 million.
The Building Industry and Land Development Association (BILD) is among the industry groups applauding the measures.
“BILD welcomes Liberal leader Mark Carney’s housing platform commitments,” the association says. “If elected, he would cut municipal (development charges) in half for multi-residential housing and reintroduce the Municipal Unit Rental Building policy to spur rental housing developments. These are the reforms BILD has been advocating for, to address the housing crisis in the GTA.”
The Niagara Home Builders’ Association recently conferred its Awards of Excellence to the best of the best in the Niagara Region homebuilding, renovation and supplier community.
Based on a scoring system completed by a panel of judges outside of the Niagara Region, companies were selected as the winners in the categories below, respectively. For a complete list of winners, visit nhba.ca.
• BEST PROJECT VIDEO
Mountainview Homes:
Westwind Shores
• BEST PRINT AD CAMPAIGN
Lucchetta Homes:
WaterCrest at Hunters Pointe
• BEST SOCIAL MEDIA CAMPAIGN
Lucchetta Homes:
WaterCrest at Hunters Pointe
• BEST NEW HOME SHOWROOM OR SALES CENTRE
Silvergate Homes:
Prudhomme’s Landing Sales Centre
• BEST INTERIOR DECORATING –MODEL HOME OR SUITE
Rinaldi Homes: Elevated Living
• MOST OUTSTANDING
PRODUCTION BUILT HOME –ONE STOREY UP TO 1,800 SQ. FT.
Lucchetta Homes: The Superior at WaterCrest at Hunters Pointe
• MOST OUTSTANDING CUSTOMBUILT HOME – ONE STOREY OVER 1,800 SQ. FT.
Rinaldi Homes: Maple Leaf Ave
• MOST OUTSTANDING
PRODUCTION BUILT HOME –TWO-THREE STOREYS UP TO 2,500 SQ. FT.
Centennial Homes Niagara: The Emery, 7887 Seabiscuit Drive
• MOST OUTSTANDING PRODUCTION BUILT HOME –TWO-THREE STOREYS
2,501 SQ. FT. AND OVER
Mountainview Homes: The Selene
• MOST OUTSTANDING CONDO/ TOWNHOME UP TO 1,500 SQ. FT.
Silvergate Homes: The Fireside
• MOST OUTSTANDING CONDO/ TOWNHOME OVER 1,500 SQ. FT.
Lucchetta Homes: The Dolomiti at Lusso Urban Towns
• MOST OUTSTANDING MIDRISE BUILDING 4-10 STOREYS –COMPLETED
Mountainview Homes: One Fonthill Condominiums, One Eighteen
• MOST OUTSTANDING HIGH- OR MIDRISE CONDO SUITE 4-PLUS STOREYS UP TO 800 SQ. FT.
Mountainview Homes: Coronation
• MOST OUTSTANDING HIGH- OR MIDRISE CONDO SUITE 4-PLUS STOREYS 801 SQ. FT. AND OVER
Mountainview Homes: Evangeline
• MOST OUTSTANDING MID- TO HIGHRISE BUILDING CONCEPT DESIGN (4-11-PLUS STOREYS) –PLANNED
Mountainview Homes: One Fonthill Condominiums, One Forty
ROOM DESIGN
• MOST OUTSTANDING NEW HOME KITCHEN (NEW LOWRISE HOME UP TO 2,500 SQ. FT.)
Rinaldi Homes: Maple Leaf Ave
• MOST OUTSTANDING NEW HOME KITCHEN (NEW LOWRISE HOME 2,501 SQ. FT. AND OVER)
Centennial Homes Niagara: The Parkway Project
• MOST OUTSTANDING NEW HOME
BATHROOM (NEW LOWRISE HOME UP TO 2,500 SQ. FT.)
Silvergate Homes: Fireside Ensuite
• MOST OUTSTANDING NEW HOME BATHROOM (NEW LOWRISE HOME 2,501 SQ. FT. AND OVER)
Mountainview Homes: The House on The Hill
• MOST OUTSTANDING NEW HOME FINISHED BASEMENT
Lucchetta Homes: The Superior at WaterCrest at Hunters Pointe
• MOST OUTSTANDING FEATURE ELEMENT
Ridgeline Homes: The Storybook Home Turret
PRESTIGE AWARDS
• BUILDER OF THE YEAR
Lucchetta Homes
• COMMUNITY DEVELOPMENT OF THE YEAR
Rinaldi Homes: Fonthill Abbey
• PROJECT OF THE YEAR – LOWRISE
Centennial Homes: Centennial Homes and Habitat for Humanity Collaboration
• PROJECT OF THE YEAR – MID- OR HIGHRISE
Mountainview Homes: One Fonthill Condominiums, One Eighteen
• SUPPLIER OF THE YEAR
Reliance Home Comfort
• SALES TEAM OF THE YEAR
Mountainview Homes: Mountainview Sales team
• EXCELLENCE IN GREEN/ SUSTAINABILITY
Lucchetta Homes
Homeownership in the Greater Toronto Area (GTA) became more affordable in March 2025 compared to the previous year, as both borrowing costs and home prices declined over the past year, making monthly payments more manageable for households looking to buy a home.
“Homeownership has become more affordable over the past 12 months, and we expect further rate cuts this spring,” says Toronto Regional Real Estate Board (TRREB) President Elechia Barry-Sproule. “Buyers will also benefit from increased choice, giving them greater negotiating power. Once consumers feel confident in the economy and their job security, home buying activity should improve.”
“Given the current trade uncertainty and the upcoming federal
election, many households are likely taking a wait-and-see approach to homebuying,” adds TRREB’s Chief Information Officer Jason Mercer. “If trade issues are solved or public policy choices help mitigate the impact of tariffs, home sales will likely increase. Homebuyers need to feel their employment situation is solid before committing to monthly mortgage payments over the long term.”
GTA realtors reported 5,011 home sales through TRREB’s MLS system in March 2025 – down by 23.1 per cent compared to March 2024. New listings in MLS amounted to 17,263 –up by 28.6 per cent year-over-year. On a seasonally adjusted basis, March sales were down month-over-month compared to February 2025.
The MLS Home Price Index Composite benchmark was down
by 3.8 per cent year-over year in March 2025. The average selling price, at $1.09 million, was down by two per cent compared to the March 2024. On a month-over-month seasonally adjusted basis, the MLS HPI Composite was down and the average selling price was flat.
“While the policy debate heading into the federal election has rightly been focused on our cross-border trade relationship, it has also been important to see that the federal parties continue to view housing as a key priority based on the various election platforms,” says TRREB CEO John DiMichele. “This is in line with recent polling suggesting access to housing options that are affordable remains top-of-mind for all Canadians. Building this housing will be a key economic driver moving forward.”
Builders and developers in the Greater Toronto Area and elsewhere in Ontario their fair share of nominations, as the Canadian Home Builders’ Association (CHBA) has named the finalists for the 2025 CHBA National Awards for Housing Excellence. The awards are considered Canada’s premiere competition for new homes, home renovations, community development and residential marketing.
The competition, which once again had a record-breaking year with more than 1,000 entries submitted, continues to be an important differentiator for industry professionals and those looking to buy or renovate a home.
Nearly 300 volunteer industry experts judged the 2025 competition. They scored entries based on project descriptions, images and other supporting information such as floorplans included in the submission packages.
In the new home awards, including the Net Zero Home categories, the criteria focus on design, innovation, functionality and special features. Renovation categories also assess integration within the home and how any challenges that came up were addressed. Marketing entries are judged based on concept, design and successful execution and outcomes. For community development categories, judges evaluate the overall vision and livability of the community, as well as its architectural features, environmental and sustainability considerations and amenities.
“Regardless of what’s happening in the world, Canadians need homes to live in, and our members are continually striving to meet the housing aspirations of Canadians from coast to coast,” says CEO Kevin Lee. “CHBA members work in communities across the country to
house people of all walks of life who are renting, buying their first home, raising families or downsizing. The people building and renovating are as diverse as Canada’s housing types; this is reflected in our finalists that range from family-run businesses who do a few projects per year to larger companies developing our neighbourhoods. This national awards program continues to grow even more competitive, and it is an impressive accomplishment to be named a finalist.”
Forty-eight awards for excellence in housing will be presented on May 15 in Victoria during CHBA’s Home Building Week in Canada. Along with awards for the categories listed above, three major awards will also be presented. The Design Excellence Award, Renovation Excellence Award, and Marketing Excellence Award will each be presented to the home builder or renovator who has achieved the best overall standing in the respective new home, renovation, and marketing categories.
For a complete list of all finalists, visit chba.ca.
Best Signage
• Devron Developments, North York, Ont., 101 Spadina with II BY IV Design and Gladstone Media
• Madison Group, Toronto, The Capitol Residences
Best Brochure/Kit
• Devron Developments, North York, Ont., 101 Spadina with II BY IV Design and Gladstone Media
• FRAM + Slokker, Mississauga, Ont. and 52 Pick-up Inc., Toronto, SH – Brochure/Kit
• Lucchetta Homes, Welland, Ont. and 180 Marketing, St. Catharines Ont., WaterCrest at Hunters Pointe
• Madison Group, Toronto, Brooklin Towns
• Madison Group, Toronto, The Captiol Residences
Best Website
• Madison Group, Toronto, The Capitol Residences
Best Digital Advertising Campaign
• DeSantis Homes, Grimsby, Ont., Valery Homes, Hamilton, Ont. and McOuat Partnership, Markham, Ont., Livingway with KNYMH Inc.
• Devron Developments, North York, Ont. 101 Spadina with II BY IV Design and Gladstone Media
Best Print Ad
• Branthaven Homes, Burlington, Ont., Classic Drive with Pureblink
• Devron Developments, North York, Ont. 101 Spadina with II BY IV Design and Gladstone Media
• Gold Park Homes, Concord, Ont. and McOuat Partnership, Markham, Ont. Pine Valley Forevergreen with Hunt Design Associates and ADHOC Studio
Best Virtual Tour Experience
• DeSantis Homes, Grimsby, Ont., Valery Homes, Hamilton, Ont. and McOuat Partnership, Markham, Ont., Livingway with KNYMH Inc. Best Sales Office
• Branthaven Homes, Burlington, Ont., High Line Condos with II BY IV Design
• Madison Group, Toronto, Madison Group High Rise Presentation Centre
• Minto Communities Management Inc., Toronto, Park & Main
• Mountainview Building Group, Thorold, Ont., Design House with Drake Khan Design and My Design Studio
Best Short Video (under 45 seconds)
• Arista Homes, Vaughan, Ont. Arista Homes – Corporate
Best Long Video (45 seconds and longer)
• Camrost Felcorp Inc., Toronto, 36 Brentcliffe Luxury Rentals
• Devron Developments, North York, Ont., 101 Spadina with II BY IV Design, Gladstone Media
Best Renderings
• Devron Developments, North York, Ont., 101 Spadina with II BY IV Design and Gladstone Media
• Freed Developments, and Pureblink, Toronto, Freed Hotel & Residences
• Madison Group, Toronto, The Capitol Residences
• Mattamy Homes and QuadReal Property Group Toronto, The Clove with Turner Fleischer, U31, Giannone Petricone Associates Inc. Architects
• Tribute Communities, Pickering, Ont. and Pureblink, Toronto, 210 Bloor Best Branding and Identity
• Camrost Felcorp, Toronto, 36 Brentcliffe Luxury Rentals
• Devron Developments, North York, Ont., 101 Spadina with II BY IV Design and Gladstone Media
• Gold Park Homes, Concord, Ont. and McOuat Partnership, Markham, Ont., Pine Valley Forevergreen with Hunt Design Associates and ADHOC Studio
• Kylemore Homes/Angus Glen Developments, Markham, Ont. and The Brand Factory, Toronto, South Village – Wellgen
• Madison Group, Toronto, Brooklin Towns
NEW HOME AWARDS
Best Mid- to Highrise Building (Completed)
• Menkes Developments, Toronto, Sugar Wharf with Cecconi Simone Inc. and O2 Planning + Design
• Minto Communities Management Inc., Toronto, 123 Portland
• s2e Technologies Developments Inc., St. Jacobs, Ont., EVE Park
Best Mid- to Highrise Building (Planned)
• Devron Developments, North York, Ont., 101 Spadina with II BY IV Design and Gladstone Media
• Diamondcorp and Kilmer Group, Toronto, Birchley Park with The Brand Factory
Best Renderings, Tribute Communities
Best Entry-Level Home
• Park View Homes, North Gower, Ont., Clifton
Best Attached Lowrise Home under 1,500 sq. ft.
• New Amherst Homes, Cobourg, Ont., Rubidge Place
• Park View Homes, North Gower, Ont., Clifton
Best Attached Lowrise Home 1,500 to 1,800 sq. ft.
• Sean, Markham, Ont., Rainwater
– Active
Best Attached Lowrise Home over 1,800 sq. ft.
• Gold Park Homes, Concord, Ont., The Manors – The Ashton
• Gold Park Homes, Concord, Ont., The Manors – The Rosecliff
• Rinaldi Homes (Niagara), St. Catharines, Ont., Moody Muse
Best Detached Production Home under 1,800 sq. ft.
• Linwood Construction, Marmora, Ont., 4 Mile Lake
• Lucchetta Homes, Welland, Ont., The Superior at WaterCrest at Hunters Pointe
Best Detached Production Home 1,800 to 2,100 sq. ft.
• Davis New Homes & Developments, Frankford, Ont., The Crimson King
• Gordon Tobey Developments, Brighton, Ont., The Serviceberry
• Rinaldi Homes (Niagara), St. Catharines, Ont., Maple Leaf Ave
Best Detached Production Home 2,101 to 2,400 sq. ft.
• Park View Homes, North Gower, Ont., The Morewood Plus
• Terra View Custom Homes, Guelph, Ont., The Mapleridge
Best Detached Production Home over 2,800 sq. ft.
• Gold Park Homes, Concord, Ont., Pine Valley Forevergreen –The Knightswood with McOuat Partnership, Hunt Design Associates, and ADHOC Studio
Best Production Kitchen
• Gordon Tobey Developments Ltd., Brighton, Ont., Serviceberry Kitchen
• Rinaldi Homes (Niagara), St. Catharines, Ont., Maple Leaf Ave
Best Bathroom
• Wynford Homes, Toronto, Ont., Signature in Sunnylea
Best Production Net Zero Home
• Lucchetta Homes, Welland, Ont., The Superior at WaterCrest at Hunters Pointe
• Stratton Homes, Huntsville, Ont., Glasshaus
Best New Community
• New Amherst Homes, Cobourg, Ont., The Village
Best Production Net Zero Home, Lucchetta Homes
Q&A
In Conversation With… Natalie Tommy, Vice-President, Nautical Lands Group
In the world of senior living, enriching the experiences of residents is everything. With a focus on helping people embrace a lifestyle characterized by growth, connection, convenience and a profound sense of community, Nautical Lands Group has found a way to stand out, as the fastest-growing provider of 55-plus residential housing in Canada.
Why 2025 is shaping up to be a good year to buy a new home
As readers of Active Life might have been seeing for months, the tide feels more and more like it’s turning, after a challenging few years for the Ontario housing market.
TECH
Charging routines that extend your battery life and reduce frustration
If you’re like most of us, you’re constantly on the move –whether staying connected with friends and family, managing tasks or enjoying hobbies. But one thing that can quickly become frustrating is your devices’ battery life. Here are some tips to keep your phone, tablet, notebook and wireless earbuds charged, and to keep you on the move.
Now selling: A premier collection of bungalow towns by Mountainview
It’s the simple things. It’s a walk through nature when life gets too busy, a family hike along the river, dinner out with friends, coming home to a slower pace of life. Welcome to Dunnville, a charming town along the banks of the Grand River – and home to Meritage Landing, a new community by Mountainview Building Group.
Indoor gardening primer
Many of us “garden” indoors in the Canadian winter. We grow tropical plants, amaryllis, windowsill herbs, bean sprouts and more. The need to nurture plants through the winter months is a good thing. Here is a primer for mid-winter gardening success.
For more than 40 years, Silvergate Homes has been known for quality craftsmanship, award-winning designs and a customer-focused approach to homebuilding in the Niagara Region. As a family-owned and operated business, Silvergate Homes has built a strong reputation based on trust, integrity and a dedication to excellence.
So, what’s Silvergate’s secret? The company’s deep roots in Niagara give it a strong ability to find and develop communities in beautiful locations –each with special features that make them the perfect place to build your dream home.
Singles & Towns from the $800K’s For those dreaming of lakeside luxury, Harbourtown Village at Waverly Beach is Silvergate Homes’ latest crown jewel. This exclusive enclave in Fort Erie offers a rare opportunity to own a home steps from the scenic shores of Lake Erie.
Harbourtown Village is more than just a neighbourhood; it’s a lifestyle. With 62 townhomes and 46 singlefamily homes available, this lakeside
community offers an unparalleled blend of elegance, comfort and natural beauty.
Harbourtown Village offers homes and surroundings that are unequalled in Niagara’s rapidly-growing new home market:
• Premium 50-ft lots: Spacious lots that give you the freedom to create your perfect backyard – whether it’s adding a pool, garden or your own private outdoor retreat.
• Luxury features and finishes: Quartz countertops, custom cabinetry, glass showers, hardwood flooring, James Hardie Board siding and modern open-concept layouts.
• Prime lakeside location: Just steps from Waverly Beach, offering breathtaking views and a serene, resort-like atmosphere.
• Access to nature and recreation: Connected to the Friendship Trail, perfect for walking, cycling and exploring the beautiful Niagara landscape.
• Convenient amenities: Close to shopping, dining and entertainment in Fort Erie, just minutes from Ridgeway, with quick access to the Buffalo Airport and the GTA.
Fort Erie is quickly emerging as a sought-after destination for homeowners looking to escape the congestion of city life while still enjoying modern conveniences. The town’s relaxed atmosphere, beautiful beaches and the upcoming Niagara
South Hospital, make it an attractive place to call home. With Harbourtown Village, Silvergate Homes is bringing an unmatched level of sophistication to lakeside living. Don’t miss this exclusive opportunity to own a piece of Fort Erie’s most coveted lakeside community.
Silvergate’s meticulous care in bringing Harbourtown Village to fruition is a reflection of its stellar reputation in Niagara: Among fellow homebuilders, among customers and in the broader community.
The Niagara Home Builder’s Association recently presented Silvergate Homes with its prestigious Company of the Year award at its 2024 year-end celebration event. It
represented a distinct honour to be so recognized by peers in the local industry.
It’s just the latest recognition among nearly 40 industry awards recognizing dedication to craftsmanship, design and environmental responsibility throughout the years.
The company also takes great pride in giving back to the community. Silvergate recently built the new Ronald McDonald Family Room at Niagara Health’s St. Catharines site, along with an additional pledge of $200,000 in support.
Silvergate Homes takes pride in its top-tier 4.5-star rating on Google Reviews, demonstrating a solid track record of customer satisfaction, with buyers praising both quality of construction and customer service throughout the buying process. It’s a testament to the company’s four pillars:
• QUALITY: Homes crafted with superior materials and meticulous workmanship.
• COMMUNITY: Thoughtfully designed neighbourhoods that bring people together.
• STYLE: Personalized home designs tailored to each homeowner’s vision.
• SUPPORT: A seamless and stressfree homebuilding journey with dedicated assistance.
From initial concept to final completion, Silvergate Homes takes a hands-on approach to every project, ensuring attention to detail at every stage. Its commitment to energy efficiency, modern aesthetics and
sustainable building practices set it apart. Whether crafting a boutique condominium, a vibrant townhome community, or an exclusive lakeside retreat, Silvergate Homes is dedicated to creating spaces that stand the test of time.
• Merritton Mills – Condos in St. Catharines. Situated in the heart of St. Catharines, Merritton Mills Condos offer a contemporary lifestyle in a prime location. This boutique condominium community is perfect for first-time buyers, young professionals and downsizers seeking a stylish and convenient living space. With thoughtfully designed suites and proximity to local amenities, this development is a standout addition to Silvergate’s portfolio.
• Prudhomme’s Landing – Waterfront Living in Lincoln. An exciting new master-planned community is on the horizon at Prudhomme’s Landing in Lincoln. Located along the picturesque shores of Lake Ontario, this development promises a harmonious blend of modern architecture and natural beauty. Whether you’re seeking a
family home or a tranquil retreat, Prudhomme’s Landing will offer a unique waterfront living experience.
• LUNA – Exclusive Bungalow Townhomes in Thorold. LUNA is redefining townhome living in Thorold, offering an exclusive collection of 15 modern bungalow townhomes. Designed for those who appreciate stylish and functional living spaces, LUNA provides a maintenance-free lifestyle in a thriving community. With easy access to parks, schools and local amenities, this community is ideal for homeowners who want the perfect balance of comfort and convenience.
The best way to experience Harbourtown Village is to see it for yourself. Visit the sales office or schedule a private tour to explore the available home designs, community features and premium lakeside lots. The sales office is located at 574 Seneca Dr., Fort Erie, Ont.. Phone 905.680. 6000, email harbourtown@ silvergatehomes.com or visit silvergatehomes.com.
Discover your dream home with Silvergate Homes – where quality, luxury and exceptional living come together.
by WAYNE KARL
When people think of the Niagara Region, the images and places that most likely come to mind are the Falls, of course, and popular towns such as Niagara-on-the-Lake. A little further down the recall list, perhaps, might be Fort Erie – but those days may be over.
Encompassing other towns such as Grimsby, Lincoln, St. Catharines, Thorold and Welland, the Niagara Region is blessed with a great natural location. It occupies most of the Niagara Peninsula, bounded by the U.S. to the south and on the north by Lake Ontario, and of course the Niagara Escarpment – all of which offers strong potential for business and lifestyle choices.
These natural landscapes and climate make the Niagara Region
perfect for agri-businesses such as winemaking – a key economic sector. The Niagara Wine Route, for example, connects dozens of wineries and is a growing tourism draw, complementing cultural events such as the Shaw Festival.
Indeed, a visit to the area can involve a stop at the Falls, winery tours, the quaint town of Niagaraon-the-Lake, the Botanical Gardens with its Floral Clock and Butterfly Conservatory, several championship golf courses and a growing casino industry in downtown Niagara Falls.
Again, a blessing of location, Niagara is within 800 km of two provinces, nine states and 130 million people on both sides of the border. This means
opportunities for business. The trade that flows across Niagara’s borders totals more than $100 billion annually, and supports hundreds of thousands of jobs across Canada and the U.S. The infrastructure network to support this trade activity comprises five international bridges, multiple railways and the Welland Canal, linking Lake Erie into the St. Lawrence Seaway system. All of this is conducive to growth potential for the region’s manufacturing and transportation and logistics sectors, to complement the historical strength in agriculture and tourism.
Though all of it also, of course, now facing some uncertainty with the ongoing tariff discussions with the U.S. Long term, however, solid fundamentals remain.
In March, Niagara Region hosted an Innovative Ideas for Housing forum in downtown St. Catharines, aimed at fostering innovative solutions to address the region’s ongoing housing challenges. The forum provided a platform for more than 100 local representatives from both public and private sectors – including elected officials, Indigenous leaders, local planners and developers, building officials and financial consultants – to collaborate and explore new strategies for overcoming barriers to housing development.
“The housing challenges facing our communities are complex, and there are no easy solutions,” says Regional Chair Jim Bradley. “This forum provided participants with valuable insights into the nature of this crisis, its causes, and how it might be addressed. It is evident from the day’s discussions that fresh thinking, fulsome cooperation and a focus on made-in-Niagara solutions will be key in addressing our current and future housing needs.”
Part of the appeal for homebuyers in Niagara, of course, is affordability relative to Toronto and other parts of the Greater Toronto and Hamilton Area. According to the latest Royal LePage House Price Survey, for the fourth quarter of 2024, aggregate median home prices in Niagara-St. Catharines were $638,600. This is up 1.0 per cent from $627,000 in the fourth quarter of 2023, and 1.9 per cent from $632,300 in the third quarter of 2024.
Not bad for market conditions that were far from perfect.
Indeed, according to the Niagara Association of Realtors (NAR), the region finished strongly in 2024, indicating that this is a market that is holding its own. Residential home sales activity totalled 539 units in October 2024, compared to 377 in October 2023.
“With the amount of sales increasing 43 per cent from last October and increasing 10.5 per cent from (October 2024), it’s a good indicator that things are trending in the right direction and buyers are definitely coming off the sidelines,” says NAR President Nathan Morrissette.
And more good news could be expected for this year.
“I think 2025 is heading in the right direction,” Kelly Anderson, sales and marketing manager of Silvergate Homes, recently told Active Life. With interest rates on a steady decline, this should give buyers more confidence.
“There is a lot of demand out there for housing – new buyers, downsizers, right-sizers – they all want to purchase and are just waiting for the right time. The right time for a lot of these people might be spring – so builders should gear up and get ready for a busy market. There are a lot of builders out there with fabulous projects, so buyers should see some excellent options. That, mixed with lower rates, should spice things up for 2025.
“A great opportunity for homebuyers is the amount of product that is on the market,” she adds. “There are some great builders with such a variety of low-, mid- and highrise housing available. If you’re in the market, you will have lots of opportunity to purchase any style of home you’re looking for.
Anderson would know, given that Silvergate has a number of new home offerings in the area: Merritton Mills, a five-storey condo in St. Catharines; Luna, a boutique bungalow townhome community in Thorold; Prudhomme’s Landing, a masterplanned waterfront community in Lincoln; and Harbourtown Village, a beach town community in Fort Erie.
Indeed, some call Fort Erie, a town of 32,901, a hidden gem. Fort Erie is one of the fastest growing communities in the region, with high population gain in the last five years, and a corresponding level of residential and commercial development.
Like the Niagara Region itself, Fort Erie is blessed with a great natural location – essentially a peninsula within a peninsula, surrounded on the south by Lake Erie, and to the east and north by the Niagara River. Fifty-five per cent of the population of the U.S. – including Buffalo, basically a kilometre away right across the river – and 62 per cent of the Canadian population is within an 800-km radius.
Key among the attributes is proximity to the Peace Bridge,
Source: Royal LePage
North America’s second busiest international land border crossing, and international crossings in Niagara Falls and Queenston/Lewiston are just minutes away.
Fort Erie is comprised of a number of hamlets, including Crystal Beach, Bridgeburg, Ridgeway, Stevensville, Douglastown and Black Creek, and boasts a rich history and blend of rural and urban living. Crystal Beach is a particularly popular lakefront community, so named for its clear waters, and the site of a former wellknown amusement park that was a favourite for both Canadians and Americans from 1888 to 1989.
The lake and river serve as a natural playground for yachts, sailboats, powerboats and other watercraft.
The ultimate result of all of this appeal is unbeatable potential for business and lifestyle choices in Fort Erie – the latter explaining why the town swells in population by about 10,000 in summer, as seasonal residents flock to beachfront properties.
There’s also plenty of landbound appeal here, with more than hectares of parkland, 33 parks, 45 kms of recreation and nature trails, numerous waterfront parks and access points, playgrounds and splash pads, sports fields and conservation areas.
For history buffs, there are few better attractions in Ontario than Old Fort Erie, built on the river’s edge in 1764, and pivotal in the War of 1812. A visit to this historical site will take you back in time, with tours, musket demonstrations and the annual Siege of Old Fort Erie re-enactment, during which British, American and First Nations soldiers depict Niagara’s important role in the war.
A regional municipality in Southern Ontario comprising 12 municipalities such as Grimsby, Lincoln, Niagara-onthe-Lake, St. Catharines, Thorold, Welland and Fort Erie; 130 kms from Toronto; 86 kms from Hamilton, 31 kms from Niagara Falls to Fort Erie
KEY LANDMARKS, NIAGARA
• Botanical Gardens
• Casino Niagara
• Clifton Hill
• Fallsview Casino
• Legends on the Niagara Golf Course
• Lundy’s Lane
• Niagara Falls
• Niagara Wine Route
• Skylon Tower
• Welland Canal
• Whirlpool Golf Course
KEY LANDMARKS, FORT ERIE
• Battle of Ridgeway Heritage Park
• Fort Erie Historical Museum
• Fort Erie Race Track
• Fort Erie Railway Museum
• Friendship Trail
• Niagara River Recreation Pathway
• Old Fort Erie
• Point Albino Lighthouse
SELECT HOUSING DEVELOPMENTS ALLISTON WOODS By Mountainview Homes mountainview.com
GARNER ESTATES By Blythwood Homes blythwoodhomes.ca
HARBOURTOWN VILLAGE By Silvergate Homes silvergatehomes.com
HUNTERS POINTE By Lucchetta Homes lucchettahomes.com
JOY TOWNS NIAGARA By Branthaven branthaven.com
LUNA By Silvergate Homes silvergatehomes.com
LUSSO URBAN TOWNS By Lucchetta Homes lucchettahomes.com
MERRITTON MILLS By Silvergate Homes silvergatehomes.com
There’s something magical about dancing. It’s a universal language transcending age, culture and time. Whether you’re moving to the rhythm of a waltz, shaking it to the beat of rock and roll, or swaying gently to a slow ballad, dancing makes us feel alive. But beyond the joy it brings, dancing offers incredible benefits for our bodies, minds and souls. In many ways, dancing is more than just a form of expression – it’s medicine,
body acceptance and a celebration of community all rolled into one.
DANCING AS MEDICINE
We often think of exercise as something we do out of necessity, a task to check off our list for our health. But dancing flips that notion on its head. It’s an activity that combines the physical benefits of exercise with the sheer enjoyment of moving to music. When we dance, our heart rate increases, our muscles strengthen and our flexibility improves. Dancing gets the blood pumping, which is excellent for cardiovascular health and it also helps with balance and coordination, especially as we age.
But the benefits of dancing go far beyond the physical. Research has shown that dancing can improve memory, cognitive function and processing speed, reducing the risk of dementia and other agerelated cognitive declines. For example, research involving Latin dance sessions for seniors showed improvements in these areas, along with better mood and emotional wellbeing. The mental stimulation that comes from learning dance steps, following rhythms and coordinating movements is a workout for the brain as much as for the body. In this way, dancing is a holistic medicine – nurturing our physical and mental well-being.
In a world that often pressures us to look a certain way or conform to specific standards, dancing offers a powerful form of body acceptance. When you dance, the focus shifts from how you look to how you feel. It’s about the joy of movement, the freedom to express yourself and the connection between your mind and body. Dancing allows you to appreciate what your body can do rather than worrying about how it measures up to others.
This shift in perspective can be incredibly empowering. It encourages us to embrace our bodies as they are, celebrating their unique strengths and capabilities. Whether you’re a seasoned dancer or someone who’s never set foot on a dance floor, dancing reminds us that everybody is beautiful in motion. It’s a practice of self-love, where moving becomes an affirmation of our worth, just as we are.
One of the most beautiful aspects of dancing is its ability to unite people. Dance is a communal experience, whether at a social event, a dance class or even in your living room with
loved ones. It breaks down barriers, creates connections and fosters a sense of belonging. When we dance with others, we share a collective joy, a mutual expression of happiness that strengthens our bonds.
Dancing can be a vital source of social interaction for people of all ages. It offers opportunities to meet new people, engage in group activities and stay connected with the community. In a world where
loneliness can be a significant challenge, dancing provides a way to stay engaged, active and socially fulfilled.
Dancing is more than just moving to music – it’s a celebration of life. It’s good for your body, giving you the physical exercise you need in a way that feels joyful and effortless. It’s good for your soul, offering a path to self-acceptance and love for the body you inhabit. And it’s good for your brain, keeping you sharp, engaged and connected to others.
Natalie Tommy Vice-President of Marketing at Wellings Communities. wellingscommunity.com.
So, the next time you hear your favorite song, don’t hesitate – get up or sit and kick up your legs and move your body and dance. Let the music move you, and in doing so, you’ll be doing something creative and extraordinary for your whole self. After all, dancing isn’t just an activity; it’s a way to live fully, embrace who you are and connect with the world. +
JESSE ABRAMS
Canada’s housing market has shifted in recent months, and for the first time in a while, buyers are regaining some leverage. With higher interest rates slowing demand and inventory increasing in many cities, we’re seeing a market that offers something we haven’t seen in years – opportunity.
At Homewise, we work with buyers across the country every day, and one thing is clear: While headlines focus on challenges, there are also real advantages for those who know where (and how) to look.
During red-hot markets, bidding wars, limited inventory and fast closings made it incredibly difficult for many Canadians – especially first-time buyers – to compete. But
in today’s environment, we’re seeing a shift:
• More listings mean more choice
• Homes are sitting on the market longer, giving buyers room to negotiate
• Sellers are more motivated, especially those who bought a new home and need to sell quickly These factors combine to create a window of opportunity – particularly for buyers who have done their homework and are financially prepared.
1. Look at listings that have been sitting. Homes that have been on the market for 30-plus days can present a golden opportunity. Sellers may be open to negotiating on price, conditions, or even covering some closing costs to get the deal done.
Tip: Don’t ignore listings that have been around for a while – there’s often less competition and more flexibility.
2. Be strategic with your offers. In slower markets, conditional offers are making a comeback. You’re more likely to succeed with offers that include financing or inspection conditions, allowing you to protect yourself and move at a more comfortable pace.
This is especially valuable for firsttime buyers who want to make sure their investment is sound.
3. Consider properties that need cosmetic updates. Many buyers still want move-in-ready homes. That’s fair – but if you’re willing to take on some cosmetic upgrades, you can get into a better neighbourhood or larger property for less, simply because others overlook the opportunity.
A fresh coat of paint and some minor upgrades can add value quickly and affordably – especially if you secure a better deal upfront.
4. Explore emerging neighbourhoods. With more time to evaluate, buyers can take a step back and explore neighbourhoods that may not have been on their radar during the peak market. Look for:
• Upcoming transit expansions
• New developments or infrastructure projects
• Communities with increasing amenities and walkability
These are often future value areas where prices are more attractive today and appreciation potential is high.
5. Get pre-approved and know your budget. In any market, the most prepared buyers are the most
successful. A mortgage pre-approval not only gives you a clear sense of what you can afford – it also shows sellers that you’re serious.
At Homewise, we help Canadians get pre-approved online in just minutes, comparing many lenders to find the best fit based on your goals – not just your rate. With rates varying significantly between lenders, shopping around is more important than ever, especially at renewal.
Yes, interest rates are higher than they were in 2021. But with more room to negotiate and fewer bidding wars, buyers can now focus on value rather than urgency. Prices have softened in many markets, and this correction – paired with higher inventory – is offering a different kind of affordability.
It’s about playing the long game. A smart purchase today, even at a slightly higher rate, can be refinanced
later when rates drop. In the meantime, buyers may find they paid significantly less for the home than they would have during peak market conditions.
Real estate is cyclical, and this current slowdown is part of a normal (and healthy) cycle. While every market has its challenges, this one offers buyers something they’ve been missing for years: Options.
If you’re prepared and have the right guidance, this could be the best time in years to find a home – and a deal – that sets you up for long-term success.
Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm. thinkhomewise.com
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To keep perennial plants performing at their peak, it’s necessary to lift and divide most of them every few years. Both spring and autumn are good times to do this. You’ll end up with more plants than you started with, so begin a new flower bed or give the extras to a friend, local horticultural society or schools. As a last resort, the discards can go on the compost. Many gardeners prefer to divide their crowded perennials in the fall. It
is best to divide and replant allowing enough time to establish roots in the new location. Our rule of thumb: Allow four to six weeks in the new location before the first hard frost occurs in your area.
Dividing perennials in spring has it advantages. Plants have not leafed out, making it easier to dig around the root mass, the soil is moist from the winter snow melt and garden soil is cool, which helps to wake up perennials gradually.
Plants are usually divided for one or two reasons. Firstly, the plant has outgrown its given space, or it is fully mature and needs rejuvenating. This
becomes noticeable when the centre of the plant begins to deteriorate. You might choose to move established plants in spring to make room for other plants as many perennials can become aggressive after a few years. Identify the plants that are overgrown and dig them up using a garden fork. We like using a good quality garden fork as it damages fewer roots. If you only have a spade or shovel, that will work too. Sharpen digging tools with a grinder or use a gardener’s file.
Drive the fork into the ground around the entire plant, without moving the tynes; just slide them in and out of the soil as you cut through young feeding roots of the plant.
After you have completed the circle one time without using leverage, do it again only this time push down on the fork/spade ripping and tearing roots as you go. You are permanently damaging the roots by doing this. The remaining root mass will grow new roots. By the time you have completed your second pass around the plant chances are pretty good
it will lift easily out of the ground. Now lever the digging tool with your body weight. Many densely rooted perennials such as Hosta will “pop” when the roots are set free.
Take your time. Once you have the plant – roots and all – out of the ground, you have a decision: How many divisions will you make?
After dividing the plant in half, do it again, dividing it into quarters. If it is a really large plant, you can divide it again. Now you have a bunch of wedges sitting on the ground ready to plant. If you can’t plant them right away, place them in a shady spot and water them thoroughly. Keep them wet until you can plant them over the next few days or give them away.
When you plant your new divisions, use good quality soil (triple mix works nicely) and water them well.
• Mature plants
• Fibrous or fleshy roots systems
• Out-of-bloom and dormant
These plants are easily divided: Yarrow, astilbe, monarda (Bee Balm), bellflower, coreopsis, evening primrose, phlox, veronicas and the extremely popular Hosta.
It’s spring: Time to dig, divide, replant and revive your garden.
Mark Cullen is a Member of the Order of Canada. He is the Chair of Canadian Trees for Life, a charity dedicated to planting trees in the urban environment to honour our health care workers, first responders and military, one community at a time. treesforlife.ca. Ben Cullen is a professional gardener with a keen interest in food gardening and the environment. He is the founder of Cullen’s Foods, now a part of Yorkshire Valley Farms. You can follow both Mark and Ben on Twitter @MarkCullen4, Facebook @MarkCullenGardening and Instagram @MarkCullenGardening. Sign up for their free monthly newsletter at markcullen.com.
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DEBBIE COSIC
Now that we’re through the first quarter and officially into spring, still facing some of the most challenging real estate conditions in decades, there’s reason to remain cautiously optimistic about the GTA market. Despite the challenges and uncertainties, current market conditions provide a unique opportunity for prospective buyers and
investors. Several factors are making this an opportune time to consider real estate investment, from interest rates and attractive incentives to the limited supply of new housing options.
Today’s pre-construction condo developments offer extended closing periods, typically four to five years. This timeline allows buyers ample time to save for their deposits while securing properties at today’s prices. Additionally, many developments feature flexible deposit structures, with requirements often as low as 10 per cent total deposits, in some instances spread out as low as three
“
” For those considering buying pre-construction, this period offers a unique combination of lowering interest rates, favourable purchase terms, and limited inventory.
per cent per year. This staggered approach can significantly ease the initial financial burden, making homeownership or investment more achievable.
Another advantage is the availability of substantial discounts offered by developers. With recent market slowdowns, many projects are incentivizing buyers with reduced prices, creating a rare opportunity to buy at a discount. Additionally, with fewer new developments breaking ground, future inventory will be limited, which could lead to a classic supply-demand imbalance and rising prices when the market regains momentum.
While historic gains in real estate may not replicate at the same speed in the near term, the potential for
long-term appreciation remains strong. Real estate has consistently been a solid investment over the years, offering stability and tangible value. This trend, coupled with the current market conditions, means that those who enter the market now may benefit significantly as demand eventually outpaces supply.
For those considering buying pre-construction, this period offers a unique combination of lowering interest rates, favourable purchase terms, and limited inventory. In2ition Realty offers a diverse portfolio of projects across the GTA, each designed to match these ideal conditions. Whether you’re looking for a first home, a strategic investment, or a luxury property, our range of options caters to various needs and budgets.
Explore these opportunities with us at in2ition.ca or follow us on social media @in2itionrealty for the latest updates. Don’t miss this window to secure a property before the market shifts once again, setting yourself up to benefit from the upward demand and limited future supply
Debbie Cosic is CEO and founder of In2ition Realty. She has overseen the sale of more than $15 billion worth of real estate. With Debbie at its helm, In2ition has become one of the fastest-growing and most innovative new home and condo sales companies. in2ition.ca
GREG GAZIN
Waiting for the perfect moment to upgrade your aging MacBook?
The new MacBook Air M4 offers compelling reasons to make the leap. With an ultra-fast processor, 12MP high-definition camera, AI-powered tools and a lower price, it’s time to consider an upgrade.
MacBook Air M4 three of the several new enhancements worth highlighting:
1. 12MP FACETIME HD CAMERA WITH CENTER STAGE AND DESK VIEW
The new 12MP FaceTime HD camera is a major leap forward, offering far superior image quality versus the previous 2MP camera. It provides
sharper, clearer visuals – images and text and better performance, even in low-light environments, which is perfect for video calls with family, virtual meetings or working remotely.
A standout feature is Center Stage, which keeps you centred in the frame during video calls, even if you move around. Whether you’re standing to present, chatting with family, having a remote doctor visit or attending a Zoom call, you’ll no longer need to adjust your camera to stay centred.
Desk View is another gamechanger. It uses the MacBook’s camera to show what’s on your desk in real-time, giving others a clear view of what’s in front of you. It’s especially useful if you’re showing off a family photo album, crafting a project, or helping grandchildren with homework. Desk View eliminates the need for an additional camera to share handwritten notes or
documents, making video calls smoother and more natural.
2. APPLE INTELLIGENCE (ARTIFICIAL INTELLIGENCE FEATURES)
You may be wondering, “Why do I need AI?” Apple’s new smart AI tools significantly enhance your user experience by helping you stay organized, communicate more easily and get creative with ease.
The Siri + ChatGPT integration provides a seamless experience using AI to assist with everyday tasks. Need a reminder, a quick answer to a question or help drafting an email? You’ve got it – and you can do it hands-free. This combination also helps with summarizing articles or generating ideas, making it a handy assistant for staying productive.
Another exciting new AI feature is Image Playground. It lets you enhance or create unique images
using AI. You can modify existing pictures or generate new creative visuals, ideal for personal projects like family photo albums or social media. Additionally, Genmoji allows you to create personalized emojis by describing them with texts to use in emails and messages. Whether you’re keeping in touch with friends or family, Genmoji adds a fun, personalized touch, making communication with younger generations more engaging and interactive.
If you love multitasking or need a larger screen or workspace for easy reading, photo editing or workrelated tasks, the M4 offers dual 6K external monitor support. You can now connect two monitors, still keeping your MacBook Air open with easy access to the Force Touch trackpad, backlit Magic Keyboard, and Touch ID for secure sign-ins, password entries and payments. You can have one screen for emails and the other for video calls or editing photos while chatting on FaceTime. Other reasons why the MacBook Air M4 is a worthy investment
• Performance: Apple’s own M4 chip is up to 23 times faster than the Intel-based MacBook Air, and twice as fast as the previous M1 model, resulting in quicker app launches, smoother video playback and better overall performance.
• Display: The Liquid Retina LEDbacklit display that supports up to one billion colors. The 13.6-in. model offers a resolution of 2,560by-1,664, while the 15.3-in. model has a 2,880-by-1,864 resolution,
both at 224 pixels per in. Both offer a sharp, clear viewing experience, whether you’re reading or watching media.
• Design: The MacBook Air retains its sleek, ultra-portable design, is less than a half-in. thick and weighs just 2.7 pounds (3.3 pounds for the 15.3in. model). It also features durable recycled aluminum enclosures, with 50 per cent of the materials being recycled – a sustainable choice for eco-conscious users.
• Battery life: If you’re on the road or travel a lot, battery life is now rated – up to 18 hours on a single charge.
• Connectivity: The new models feature Bluetooth 5.3, ensuring a faster and more reliable connection, and longer battery life for your wireless headphones, speakers and other devices. It also supports Wi-Fi 6E, which provides better range and faster speeds for all your online activities.
• Sound: The M4 comes equipped with a three-microphone array for clearer voice clarity during calls while minimizing background noise. The 13-in. model has a four-speaker sound system, while the larger 15.3-in. model boasts six speakers, including two force-cancelling subwoofers, making it perfect for immersive audio experiences.
Like all other Macs, the new models feature iCloud – to store all your contacts, photos and docs so they’re accessible from any device; iPhone
Integration lets you seamlessly connect your iPhone with the MacBook Air, allowing you to mirror your iPhone, copy and paste text between them, and even answer phone calls directly from your MacBook. Plus, Migration Assistant makes it easy to set up and copy your existing files from another Mac or PC.
The MacBook Air M4 is a sleek powerful, versatile laptop, ideal for casual home users to professionals, whether you’re upgrading from an older MacBook or switching from a different brand.
Its impressive performance, enhanced visuals and easy-to-use AI features make day-to-day tasks smoother and more enjoyable, helping you do what you want to do, without worrying about the technology.
Prices start at $1,399 for the 13.6in. with 16GB of RAM/256GB SSD storage (upgradeable to 32GB/2TB). It comes in four colours; Midnight, Starlight, Silver and a new Sky Blue.
For more information, visit apple.com.
Greg Gazin is a syndicated tech columnist, blogger, podcaster, and contributes to canoe.com, Troy Media and Active Life magazine. gadgetguy.ca
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In a recent discussion, Benjamin Tal, deputy chief economist of CIBC World Markets Inc., said loud and clear that as far as new housing goes, we are in a buyers’ market. Developers and builders are arming us with incentives
and negotiating as we sell down inventory. Our industry is building very little at present, so when we get through the existing inventory, there will be demand and no supply. Bank of Canada interest rates have been on a downward pathway, and three banks recently dropped their five-year fixed mortgage rate to 3.9 per cent. With lower mortgages, investors will be back and prices will go up again. The time to buy is 2025, when there are amazing deals to be had.
There is also good news coming from GTA municipalities, some of which are finally listening to builders, developers and other experts asking for a reduction of the exorbitant development charges on new homes and condominiums. The first example is the City of Burlington, which conducted a Development Charges Background Study last year and in May 2024, lowered development charges to spur new housing builds. An unprecedented decision speaks
well to the City’s commitment to remain an inclusive and accessible place for everyone.
In November 2024, the City of Vaughan dramatically reduced development charge rates across the board. The Building Industry and Land Development Association (BILD) applauded the City of Vaughan for adopting a new Development Charges Rate Reduction and Deferral Policy. “BILD recognizes and commends Mayor Del Duca and the City of Vaughan for taking bold action to address housing supply and the cost to build by lowering development charges,” says Dave Wilkes, president and CEO of BILD.
The City of Mississauga has temporarily reduced development
charges as well, by 50 per cent, and by 100 per cent for three-bedroom units in purpose-built rental buildings. In addition, Mississauga City Council will defer the collection of residential development charges for all residential developments and collect them at occupancy. “The City of Mississauga is walking the walk when it comes to new housing… We would also like to acknowledge and thank the federal government for its direct financial support of Mississauga’s efforts,” says Wilkes. “We encourage all regions, cities and towns in the GTA to follow the vision and lead of Mississauga.”
“ ” With lower mortgages, investors will be back and prices will go up again. The time to buy is 2025, when there are amazing deals to be had.
Of course, lower mortgage interest rates are a positive factor in addressing housing affordability, but for new housing, we need more than reductions in development charges. With the federal government offering incentives for municipalities to act in efforts to ease housing affordability and supply, we should see more action from local governments. However, we also need reductions in approvals timelines. Usually these involve the builder/developer submitting detailed plans to the appropriate municipalities, as well as city staff reviews, public consultation meetings and a council vote. This can take up to two years and more, which results in home prices becoming even higher.
Sometimes needed change takes time to filter through our systems. The fact remains that anyone thinking of purchasing a new home or condo would be wise to act sooner rather than later.
Barbara Lawlor is CEO of Baker Real Estate Inc. A member of the Baker team since 1993, she oversees the marketing and sales of new home and condominium developments in the GTA, Vancouver, Calgary and Montreal, and internationally in Shanghai. baker-re.com
MIKE COLLINS-WILLIAMS
The Canadian Home Builders’ Association (CHBA) recently released its 2024 Municipal Benchmarking Study, confirming that Hamilton is failing to build enough housing, with potentially catastrophic consequences. The city ranks last among 23 Canadian municipalities in approval timelines for new housing developments, a significant decline from its 15th-place ranking in 2020 and 18th in 2022. Excessive red tape, soaring municipal fees and an uncompetitive investment climate have made Hamilton one of the most difficult places to build in Canada, further driving up home prices and limiting supply.
The study highlights the extent of bureaucratic delays in Hamilton, where an average development application requires 93 separate documents and reports – almost double the national average of 50. Ontario municipalities generally require more documentation than those in other provinces, contributing to costly and time-consuming delays. These inefficiencies, coupled with significant increases in government fees, have made housing development more expensive and challenging. Since 2021, development charges in Hamilton have surged by 87 per cent, and the introduction of new Community Benefits Charges on condominiums and apartments has further increased costs.
The impact of these barriers extends beyond homebuyers and renters. The construction industry, a
major driver of Hamilton’s economy, is experiencing a downturn. With fewer housing starts, skilled tradespeople and construction workers are facing declining job opportunities. If this trend continues, Hamilton could see a significant wave of job losses in a sector that has traditionally provided stable, middleclass employment. The inability to efficiently build housing not only limits supply but also weakens Hamilton’s economic foundation at a time when stability is critical, particularly in light of growing economic uncertainty and the ongoing trade war between Canada and the U.S.
Hamilton should be wellpositioned for investment due to its proximity to the GTA and its strong industrial history. However, its failure to streamline development processes has driven investors elsewhere. By contrast, cities such as Edmonton, Calgary and London are attracting significant investment by cutting red tape and reducing unnecessary costs. While some Ontario municipalities have taken steps to improve approval timelines and lower fees, Hamilton continues to lag, putting its economic future at risk.
Addressing these issues requires decisive action. A complete review of Hamilton’s planning and development framework is necessary to remove unnecessary bureaucratic obstacles. The city must reduce approval timelines, reassess its tax and fee structures and implement process efficiencies modeled after best practices from more competitive jurisdictions. Establishing a dedicated housing and development task force could help ensure that these changes are made swiftly and effectively. The choice is clear: Reform or decline. Without bold change at City Hall, Hamilton will continue to fall behind, losing jobs, investment and residents to cities that offer a more business-friendly environment. Housing affordability is at a breaking point, and the time for meaningful action is now.
Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.
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JAYSON SCHWARZ, LLM
Here you are getting ready to make what may be the largest single purchase that you will ever make in your life, when you are confronted by daily doses of anxiety caused by uncertainty and indecision. “What do I do?” you ask yourself.
Don’t be afraid, take your time, do the necessary research to identify the area you like, the services available to you and ensure that there are no hidden matters that could affect your decisions.
Research prospective neighbourhoods for future development, possible restrictions and their potential impact on property values.
Next, have an honest look at your employment situation, speak with your supervisor and make sure things are as secure as you can. If applicable, speak to your significant other and prepare a detailed budget for all your expenses as prospective homeowners. Consider what happens if interest rates rise, and be prepared for exigencies. Open a separate homebuying deposit account, and make weekly contributions to ensure you can maximixe a down payment.
Interest rates appear to be on their way down, but in times of uncertainty, you may have to lower your expectations and move slowly. Buy a small condominium and then look to move every three to five years, as home values may not appreciate as quickly as they have
in the past. Look to live outside the city, and look for job opportunities in smaller communities with more affordable housing.
The decision to buy should be motivated directly according to what you can afford. It may be difficult, but be very selective about nights out and your discretional spending. Prioritize what you want –being able to buy a home.
The next thing to note is that the cost of construction is starting to come down, and builders will be much more amenable to negotiation than they have in many years. Find a builder that is selling to your price range and then worry about what necessities you need in your negotiations to ensure the home will work for you.
When it comes to the professionals you will need to help you with your purchase, consider this checklist:
Whether at your bank or a mortgage broker, find a reputable financial expert you trust and are comfortable with. Find out how much money you can borrow and how much of a deposit you’ll need to put down. This will allow you to focus on homes you can afford. Get a pre-approval in writing so you have something to rely on, because today especially, it is critically important that you do not get caught up in the rush of buying a house beyond your budget. Nothing is worse than living for the house, not living in your home.
Look around for a lawyer who focuses on residential real estate in
their firm. Check Google reviews and rankings, and look in real estate magazines such as Condo Life and HOMES. Ensure the lawyer does more than just close your deal. You want someone who will explain the different kinds of ownership, why you should have a will before closing and other matters. Make sure they actually review your offer and all associated costs.
Look for an experience realtor who knows the area you’re looking in, as well as the type of home you’re purchasing. Don’t just use a family friend or distant relative. Research potential realtors online, and get referrals from other homebuyers they’ve worked with.
Once you’ve found that perfect home, let your lawyer know so they are prepared to review the offer when received.
By fully and properly preparing for buying a home, you will change any potential anxiety and fear into excitement and a sense of accomplishment. Good luck.
Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law Partners LLP. Visit online at schwarzlaw.ca or email info@schwarzlaw.ca with your questions, concerns, critiques and quandaries.
by LINDA MAZUR
Every where we look these days, we are seeing beautiful and colourful kitchens – rich deep blues, earthy greens, bold reds and vibrant pastels. So, with all the colourful kitchens we’ve been seeing of late, are we to assume that white kitchens are now a thing of the past? On the contrary. Though colourful kitchens are definitely on trend, the classic white kitchen is still holding its own. The bright, fresh look and feel of white kitchen cabinetry never really loses its appeal and for many is the goal for their kitchen renovation. However, just as appealing as a white kitchen can be, they can often be stark, cold and sometimes void of personality.
Kitchens are undoubtedly the heart of a home, and over the years have morphed from simple utilitarian spaces to rooms that are multifunctional living space reflecting both personal style and creativity. Boasting a more curated aesthetic with high-end finishes, custom designs and advanced technology our kitchens are not only stylish but comfortable. They are a reflection of our lifestyles and are central to our day-to-day life while having the flexibility to be an upscale extension of our living spaces for entertaining. White cabinetry offers a longevity that trend colours simply do not, there’s just no arguing that. They are an easy commitment that will offer you a lot of flexibility when it comes to the
aesthetics of your kitchen. However, moving beyond an all-white kitchen can open you up to a world of finishes, colours and inspirations that can see a bit of the current kitchen trends introduced into your space.
With all the fantastic colour options trending these days, we still find that white kitchens are not only desired but quite often preferred, because of their classic, timeless and simplistic approach. Though sometimes thought of as a safe choice, when considering the costs and longevity of kitchen trends not to mention the hassles of kitchen renovations, they are quite often the wise choice that can provide you with a blank canvass of sorts carrying you through the trends for many years to come. Whether you are drawn to the warmer more earthy whites or cooler, more modern whites, there is undoubtedly an abundant variety to select from for your millwork and accents that will set the tone for your space.
Add dimension to your kitchen with a patterned backsplash tile or use a bold marble, quartz or porcelain for your countertop, then continue it on your backsplash to really make a statement in your home. A great impactful floor tile or warm wood can be a wonderful asset in the space, as can the introduction of mixed metals and hardware. Adding strategic touches of colour or wood accents to your cabinetry can also enhance and elevate the aesthetics of your kitchen. And let’s not forget accessorizing your space with great colourful artwork, furniture or greenery to add some life to those white cabinets. The great thing about adding colour by accessorizing your kitchen is the ease with which it can be altered if you have tired of the latest trend colour… the blank canvass of a white kitchen will remain for the next
creative inspiration you may have. Kitchen renovations are an expensive endeavour, while revamping some accessories can prove to be far more palatable on your budget.
Today the movement is towards a streamlined look that highlights simplicity, functionality and style. Though the white-on-white kitchen has essentially been retired, white cabinetry has not and will always be a favourable, sought-after mainstay option in kitchen design. Instead of dreaming of an “all white kitchen” think about shaking it up a bit with the selective addition of colour, statement lighting or maybe a great wallpaper or fabric for a window treatment. When looking for inspiration for your kitchen renovation, look to see how you can introduce a mix of colours, textures and finishes to your “white kitchen” that will create for you a space that can keep you moving forward trend-wise while still giving you the white kitchen you desire.
Linda Mazur is an award-winning, nationally publicized designer and Principal of Linda Mazur Design Group. With almost two decades of experience this in demand multi-disciplinary design firm is known for creating relaxed, stylish spaces and full-scale design builds within Toronto, the GTA and throughout Canada. lindamazurdesign.com @LindaMazurGroup
by MARIAM ABOUTAAM
The kitchen is the heart of the home, deserving thoughtful design to ensure it is both functional and inviting. When purchasing a pre-construction home, you can personalize your kitchen by selecting colours, styles and materials included in your purchase agreement, as well as opting for upgrades to enhance your space. In designing model homes, I often start with the kitchen, ensuring it sets the tone for the entire home.
Experienced homeowners may already have a preferred style they wish to carry into their new home or
blend with an updated look. First-time buyers, multi-generational families or those merging two households may need time to define their aesthetic. Gathering inspiration from online sources, magazine pages and visits to design showrooms can help refine your vision.
Your kitchen selections will include cabinet style, material and colour; countertops and backsplash materials, flooring, sinks, cabinetry hardware and plumbing fixtures. Having a well-defined personal style and colour palette will streamline the selection process, making the most
of your design appointment with your builder’s decor professionals. Tip: Know your appliance needs When you attend your interior finishes appointment, arrive having already chosen the exact appliances and have the specifications with you.
Builders and architects typically design kitchen layouts to meet the broadest of family needs. If you arrive at your decor selections appointment prepared with ideas and a wish list, you’ll discover it’s easier to personalize your home while achieving your goals. For example, if kitchen storage is important to you,
consider extending upper cabinets to the ceiling. If your floorplan allows, incorporating a floor-toceiling pantry with pull-out drawers can provide easy access to stored items while keeping countertops clutter-free.
Tip: Declutter with smart solutions Add an appliance garage for neatly storing kettles, blenders and other small appliances out of sight. Consider creating a special beverage station or niche for this purpose.
Do you need a place to display treasured heirlooms, gifts or travel souvenirs? Glass-front cabinets can showcase these items, especially when paired with interior lighting. As well, replacing upper cabinets with open shelving can serve as an elegant display option, just ensure that reducing cabinet storage doesn’t compromise functionality.
Consider who in your household does most of the cooking, as their preferences will influence the placement of key items and work surfaces. Ideally, the sink, oven and refrigerator should form a triangle to facilitate efficient workflow. If your home comes with included appliances, inquire about upgrade options. If you prefer cooking with gas, be sure to add a gas line. For a seamless look, consider panelready appliances that blend with cabinetry. Designing the range wall to be a feature, with an alcove, stone clad canopy or floating shelves, will enhance your overall kitchen experience.
Your kitchen isn’t just for cooking, it may also serve as an entertainment hub, a casual dining area or even a homework space. If you enjoy entertaining, consider incorporating a wine cabinet or fridge into your layout. A kitchen island can double as a bar, a prep space and an informal dining area. If your floorplan doesn’t include an island, consult your builder about adding one.
Kitchen flooring must withstand heavy foot traffic, spills and dropped items while seamlessly connecting with other areas of the home. Options such as porcelain tile, engineered hardwood and luxury vinyl flooring offer durability and aesthetic appeal. Tip: Personalize with small details Add lighting above your kitchen island on a dimmer switch and change
the ambience to suit your mood; installing a tiled “carpet” in wet areas such as between the kitchen sink and stove is a practical and decorative addition. There are many options for cabinet hardware which can both tie the whole room together and elevate simultaneously.
Discussing these design elements with your family and decor consultant will ensure your kitchen is both stylish and practical, resulting in a welcoming space that is the centrepiece of your new home.
In my next column, I’ll explore additional kitchen enhancements, such as built-in banquettes, fireplaces, coffee niches, statement lighting and accessories that infuse colour and personality into your space.
An award-winning interior designer, Mariam Aboutaam is Director, Sales and Marketing, Interior Design at Kylemore, Markham, Ont., a builder known for master-planned communities and luxury homes. kylemoreliving.com.
P o r t P e r
NOTE: SINCE MAP LOCATIONS CANNOT BE MORE PRECISE, IT IS ADVISABLE TO PHONE AHEAD FOR SPECIFIC DIRECTIONS.
Bronte Harbour – 905.842.8167
City
Whitby – 905.665.6200
Ashgrove Meadows, Picture Homes – 905.985.0808
Ballantrae Golf & Country Club – 905.640.1055
Bradgate Arms, Revera – 416.968.1331
Canterbury Place, Verve – 416.227.1643
Cape Cod Villas, Kaitlin – kaitlincorp.com
Chartwell Grenadier Ret. Res – 416.769.2885
Chartwell Scarlett Heights – 647.846.7007
Connectt, Briarwood/Gilbach – briarwoodhomes.ca
Court at Brooklin & Pringle Creek – 905.655.7718
Courts of Canterbury, Geranium – courtsofcanterbury.com
Credit River Retirement, Verve – 905.812.9191
The Davis Residences, LCL Builds/Rose Corporation – thedaviscondos.com
DelManor Elgin Mills – 905.770.7963
905.469.3232
Northtown – 416.225.9146
COMMUNITY NAME & CONTACT
Leslie and Wellington, Vermilion – vermiliondevelopments.ca
Lakebreeze, Kaitlin Corp. – 607.302.2490
Leslie and Wellington, Vermilion – vermiliondevelopments.ca
The Meadows of Aurora – 905.503.5560
Milton’s Bronte West Condos,– 289.851.0701
Modo, Kaitlin Corp. – modolife.ca
Nautique Condos, Adi Dev. –
OakPark, Ballantry Homes – ballantryhomes.com
Palermo Village, Verve – 905.582.0395
Parkland on Eglinton West, Shannex – 416.997.2647
Parkland on the Glen, Shannex – 905.820.8210
Pinnacle Uptown: Amber & Perla – 905.568.9000
Port Credit Res., Verve – 905.274.6864
Prince George Landing, Stockworth/RoseWater – 905.655.6060
Renoir, Revera – 905.853.6400
Richmond Hill Retirement,
– 905.337.1145
Sunrise Senior Living of Richmond Hill – 905.883.6963
Sunrise Senior Living of Unionville – 905.947.4566
Tapestry at village Gate West – 416.777.2911
Watford, Watford Group – 416.218.5542
Mill on Steeles – 905.731.4300
Toronto Street Boutique Condos – maplebrookhomes.ca
Valera Towns, Adi Developments – adidevelopments.com
Villa Da Vinci, Sienna – 905.264.9119
VIVA Mississauga – 905.566.4500
VIVA Oakville – 1.888.984.8482
VIVA Pickering – 905.831.2088
VIVA Thornhill Woods – 905.417.8585
VIVA Whitby Shores – 1.888.984.8482
Wellings of Whitby, Nautical Lands – 905-243-1386
Westview Condos, Devonleigh – devonleighhomes.com
White Cliffe Terrace, Verve – 905.579.0800
Wilmot Creek, Rice – 1.800.994.5668
ONTARIO
Allora Condos, Urbandale – 613.822.2190
Amica Bearbrook Court – 613.837.8720
Amica London – 519.657.7096
East Village Cobourg, Stalwood – 289–252–1961
Park Clarington
Corp. – kaitlincorp.com
Kingswood Cobourg, Mason – masonhomes.ca
Kokomo Beach Club, Wastell – kokomobeachclub.com
Lakewoods, Lakewoods Resort Dev. – 1.888.990.9120
Loyalist Country Club, Kaitlin – 1.800.353.2066
Prince edward County, Cosmopolitan Homes – lovetheviews.ca
VIVA Waterside – 613.653.2010
Viva – 613.253.2010
Wellington Bay Estates & Abbott Lane Towns, Sandbank – 1.800.353.7823
West Five, Sifton – sifton.com
Westlinks, Rice Dev. – 1.888.ASK.RiCe
Whispering Pine, Sifton – sifton.com
Young’s Cove, Briarwood – 1.866.962.5264
GOLDEN HORSESHOE
Amica Dundas 905.628.6200
Amica Stoney Creek 905.664.8444
Arbour vale, Pinewood 905.397.8616
Argyle, Reid’s Heritage – argylevillage.ca
Bench Mark, Losani Homes – losanihomes.com
The Block on Clair, Reid’s Heritage– blockonclair.ca
Century Condos, Homes By DeSantis centurycondos.ca
Davis Heights, Lucchetta Homes lucchettahomes.com
Deerwood Lane, Southport – 905.658.3554
Dickson Hill, Jackson Homes – dicksonhill.ca
Dover Coast Phase 2, Stockworth – 519.583.2049
The Dover Wharf – doverwharf.com
Edgewood Suites, FLATO® – edgewoodsuites.ca
Elora Mill Condominiums, Pearle – eloramillcondos.ca
The Flats at Black Creek – 519.583.9009
Grand Bell, Lakeview Dev. Hldgs. – grandbellsuites.com
Grimsby Waterfront, Losani – losanihomes.com
The Harbour Club, SDR Group – theharbourclub.ca
Harbour Heights – 519.754.6772
Harbourtown Village, Silvergate – harbourtownvillage.ca
Hardy Terrace, Verve – 519.484.2431
Retirement Village – 519.688.0448
Jacob, Emshih Living – 905.563.3322
Kayak Urban Towns, Kingwood – kingwoodhomes.ca
King’s Park, LJM Dev. – kingspark.ca
Lackner Ridge, Reid’s Heritage – lacknerridgetowns.ca
Lakeside Landing Wellington, Royalcliff, lakesidelandingwellington.ca
Legends On The Green, Silvergate Homes – silvergatehomes.com
Lincoln Park Retirement – 905.309.0055
Losani – losanihomes.ca
Metcalfe Gardens, Verve – 519.631.9393
Modal at Main, Reid’s Heritage – modalatmain.ca
The Oaks at Six Mile Creek, Blythwood Homes Townhomes at the Oaks in Ridgeway – blythwoodhomes.ca
Odyssey, Rosehaven – odysseylife.ca
One Five Central,
– 226.751.5250
Portside at Woodway Trails – huroncreek.com
Portview estates, Silvergate –
at Hunters Pointe, Lucchetta
Port, Rankin – 1–833–ROYAL–51
Oak Prop. – royalridge.ca
The Shores, Marz Homes – 905.894.7873
Soho, Losani – losanihomes.ca
South Hill, Thomasfield – 519.766.5060
South Port, Rankin Const. – southpt.ca
The Spencer at Dundas Peak, Sage – spencercondo.com
St. Elizabeth Mills, Zest – 905.574.8178
Sweetberry, Losani Homes – losanihomes.ca
Sweetberry, Losani Homes – losanihomes.com
Trailside at Grey Silo Gate, Activa – 519.742.5800
Victoria & John, Solmar – 905.688.3010
Upper Vista Condos, Evertrust – 1.866.418.8936
Village Creek, Park Lane Homes – 905.382.8857
The Village on Prince Charles, Carey Homes – careyhomes.ca
Village On The Twelve, Silvergate Homes – silvergatehomes.com
The Vines, Four Mile Creek, Blythwood Woodcastle Homes – 647.531.8463
The Vintages at Four Mile Creek, Blythwood – 905.657.2977
Vista Ridge & Vibrant, Losani – losanihomes.com
Watercrest at Hunter’s Point, Luccetta – luccettahomes.com/watercrest
Waterview Condos, LJM – 1.855.500.1215
Welland High Garden, Dennis – wellandhighgarden.ca
Wellings of Waterford – 1.800.996.9885
Westwood Trails, Sinclair Homes – 226.476.2227
Woodview, Losani – losanihomes.ca
COTTAGE COUNTRY
Amica Little Lake – 705.722.9191
Aquavil, Royalton Homes – aquavil.ca
NAME & CONTACT
Gryffin Bluffs, Gang of Five Inc. – gryffinbluffs.ca
Harbour Pointe, Batavia – 705.355.0363
Harmony Living, Mamta – mamtahomes.com
Hedge Road Landing, Alliance – 905.596.2200
Highcrest Muskoka, edgewoodmuskoka.com
Holland Gardens, Verve – 905.775.6020
Homes on the Bay, Rose Water – rosewatermanagement.com
Hometown Creemore, Alliance – hometowncreemore.ca
The Këmp, Fortress – 905.787.9266
Kings Landing, Dreamland Homes – 905.657.4663
Kingsmere Retirement, Sienna – 705.434.4600
Kingsview on Balsam Lake, Kaitlin – 1.866.514.3573
Lākhouse
Muskoka, lakesidemuskoka.ca
Landing at Little Lake – 705.719.9909
Lora Bay: The Cottages & The Masters, Sherwood Homes – 1.877.696.8984
Beachway Crossing, Stonebridge Building Group – stonebridgebg.com
Reverie, Reid’s Heritage – reverietowns.ca
Royal Windsor at Balmoral Village, Sherwood Homes – 1.877.887.3437
Sandycove Acres, Parkbridge – 1.800.348.7161
Truelife – thesummitmuskoka.com
Wood, Third Line – 647.227.4069
Villas at Wasaga
Waterfront at Grandview –
DAVE WILKES
The Greater Toronto Area is facing a housing affordability and supply crisis that threatens not only the region’s economy but also its social fabric. Two recent studies have underscored the factors that are contributing to this growing problem. To reverse this trajectory, it is crucial that we act swiftly to streamline development processes and increase the construction of homes that align with shifting demographic needs.
The first study, the Canadian Home Builders’ Association’s (CHBA) 2024 Municipal Benchmarking Study, offers a clear snapshot of how the GTA is lagging behind in the efficiency of housing approvals. The report found that the six GTA municipalities included in study take significantly longer to approve new housing when compared to the other cities in the national sample (23 in all), lagging behind major cities such as London, Edmonton, Vancouver and Calgary. These delays not only slow down the construction process, they directly drive up building costs and home prices, making homeownership increasingly out of reach for many in the region. This reinforced the findings of a companion benchmarking study by BILD, released in the fall of 2024, which revealed that the average approval timeline across 16 GTA municipalities is 21.6 months and that each month of delay adds $2,673 to $5,576 in added cost per unit.
Compounding these issues is the growing need for larger homes to accommodate the GTA’s shifting demographics. The second study, a
recent report by the Missing Middle Initiative commissioned by BILD and the Ontario Home Builders’ Association, highlights a housing supply that is failing to keep up with the region’s evolving needs. As Dr. Mike Moffatt, the study’s author, explains, the GTA continues to experience significant population growth, yet the region’s housing stock is not adequately meeting the needs of families – particularly young families and the middle class. The report forecasts that the region will need to build 30,000 ground-oriented homes and 20,000 apartment units annually just to keep pace with demographic shifts. This represents a substantial increase in both the rate and mix of construction compared to the last decade, which has seen roughly 10,000 ground-oriented starts and 20,000 apartment starts per year.
The Missing Middle Initiative study also emphasizes that 80,000 people a year (primarily young families with children) are leaving the region for other parts of Ontario, such as London and Peterborough, or even elsewhere in Canada, in search of affordable housing that meets their needs. This underscores a significant planning challenge for municipalities in the GTA: How to encourage the development of larger, more family-oriented housing at prices that these young families can afford? After decades of policies that constrained land supply and focused on intensification, it is now essential to explore policy solutions that facilitate the cost-effective provision of housing that aligns with the current and upcoming demographic shifts in housing demand.
Both reports underscore the urgent need for reform across all levels of government. To tackle the affordability crisis, the region must take concrete
steps to simplify the approval process, which would reduce delays and development costs, enabling more homes to be built in less time. And it must also take tangible action to lower development charges, which are significantly higher in the GTA compared to other provinces, and would further reduce costs and make new homes more affordable for buyers. Additionally, the Missing Middle Initiative study calls for policies such as facilitating gentle density and expanding the availability of serviced land. These measures would encourage the construction of larger apartments, including three-bedroom units, and are crucial to meeting the GTA’s increasing demand for familysized homes.
The GTA’s affordability and supply crisis is an issue that will have a direct impact on the region’s long-term economic stability. Families are already leaving in search of better housing opportunities, and the longer we delay making necessary changes, the greater the economic and social toll will be.
By addressing approval delays, reducing municipal fees and focusing on the construction of homes that meet the region’s demographic needs, we can ensure that the GTA remains a place where people of all stages of life can find a home.
Dave Wilkes is President and CEO of the Building Industry and Land Development Association (BILD), the voice of the homebuilding, land development and professional renovation industry in the GTA. For the latest industry news and new home data, follow BILD on Twitter, @bildgta or visit bildgta.ca.
