Southwestern Ontario New Home and Condo Guide - 21 Jun., 2014

CMYK

June 21 - July 5, 2014 Volume 17 Issue 12

REVERSE

BLACK AND WHITE

GUELPH’S NEXT ADDRESS OF DISTINCTION

FINAL LOGO: ACCEPTABLE FORMATS FOR USAGE River Mill Condominiums TRICAR

Rivermill_Final_VARIATIONS.ai

LOGO VARIATIONS N/A August 2013

THE TRICAR GROUP IS EXCITED TO UNVEIL THEIR NEXT LUXURY CONDOMINIUM COMMUNITY

tricar.com

INSIDE THIS ISSUE

SWO 06-21-14.indd 1

IN THE HEART OF DOWNTOWN GUELPH.

WHY MORTGAGE RATES VARY BETWEEN LENDERS

MANAGING YOUR NEW HOME WARRANTY

x x x x x x

OPTIONS AVAILABLE

PANTONE CMYK BLACK AND WHITE INVERTED COLOUR BACKGROUND OTHER OPTIONS

COLOUR SPECS

Bembo Semibold

NOW SELLING CULTURE, ENVIRONMENT & ECONOMY IN GUELPH

6/19/14 1:29 PM

EMPirE COMMUNitiES EASY BU YES YOU CAN!

BrANtfOrD

NiAGArA fALLS

HOMES

HOMES

233990

229990

ONLY %

ONLY %

5 DOWN

5 DOWN

11,699

11,499

&

&

Bi-WEEKLY PAYMENtS

Bi-WEEKLY PAYMENtS

435

425

**

**

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Stoney Stoney Creek Creek

5656

Summerlea Summerlea

Mon-Thurs: 1-7pm Fri: 1-6pm Sat, Sun & Holidays: 11am-5pm Open Canada Day: 11am-5pm

Niagara Niagara Falls Falls

General Brock General Brock Pkwy Pkwy

Lundy’s Lundy’s Ln Ln

Falls Falls ExitExit 27 McLeod McLeod Rd Rd 27

Imagine Imagine

Brown Brown Rd Rd

Montrose Rd Montrose Rd

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Mississauga Mississauga Lake Lake Ontario Ontario

Cambridge Cambridge 401401

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Lake Ontario Lake Ontario

Kalar Rd Kalar Rd

Empire Communities is pleased to be recognized as Green Builder of the Year

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309 Blackburn Dr., BrANtfOrD 519.756.4554

Niagara Niagara Square Square

6/19/14 1:29 PM

SY BUY INVENTORY PROGRAM ™*

Empire’s Easy Buy * Inventory Program gets you better prices, faster move-ins and the bonus of only 5% down!

TM

HAMiLtON

StONEY CrEEK

HOMES

HOMES

316990

305990

ONLY %

ONLY %

5 DOWN

5 DOWN

15,849

15,299

Bi-WEEKLY PAYMENtS

Bi-WEEKLY PAYMENtS

&

&

585

565

**

**

3 Binhaven Blvd., BiNBrOOK 905.692.6000

22 Green Mountain Rd. W., StONEY CrEEK 905.930.7934

EMPirE iS ENErGY StAr PLUS!

empirecommunities.com Prices, sizes and specifications are subject to change without notice. *EASY BUYTM INVENTORY PROGRAM applies to inventory homes only. **Above bi-weekly payment based on 95% down, 5 year fixed 2.99% mortgage with 30 year amortization for homes closing within 120 days. Amounts do not include CMHC fees or any other bank set up mortgage fees.

For qualified buyers. Calculations obtained from RBC and TD Canada Trust Websites. Please see Sales for full details. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker Protected. E.&O.E. June 16, 2014.

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mattamyhomes.com

The Primrose Model Home In Wildflowers.

New Townhomes And Detached Homes Are In Full Bloom In Wildflowers.

Wildflowers is in full bloom with a great selection of affordable Townhomes and spacious Detached Homes. We also have 4 Detached Model Homes that are exceptional examples of our attention to detail and craftsmanship.

• Professionally designed models to tour • Surrounded by great shops and restaurants

• Parks, playgrounds, walking/biking trails, scenic ponds, mature forest • Well-appointed contemporary interior and exterior designs

Elev. ‘B’

Townhome, The Columbine, Elev. ‘B’, 1,402 Sq.Ft., $271,990

ok Seabro Dr.

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& HWY 7

36' Home, The Sandcherry, Elev. ‘A’, 2,283 Sq.Ft., $383,990

KITCHENER Sales Centre: 179 Seabrook Drive

Townhomes From $251,990 Detached Homes From $299,990

Follow us: Presentation Centre Hours: Monday - Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm Model Home Hours: Monday - Thursday 1pm-7:30pm; Friday 1pm-5:30pm; Saturday, Sunday and Holidays 11am-5:30pm All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

swNH&C_WF_June21.indd 1 SWO 06-21-14.indd 6

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om

ers.

m

A new season, a new home.

50% SOLD!

Come see for yourself how big city convenience can nestle perfectly with small town charm, only in Waterdown.

from the mid

200s

$

CountryGreenHomes.com | 905-690-7600

WATERDOWN CENTRE RD.

New release of freehold three storey urban towns that will suit your lifestyle.

PARKSIDE DR.

6 DUNDAS ST.

403

HAMILTON ST.

s

407 QEW

Monday to Wednesday 2-7pm Thursday/Friday by Appointment Saturday & Sunday 11-4pm JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 7

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contents p. 14

JUNE 21 - JULY 5, 2014 || VOLUME 17 ISSUE 12

ON THE COVER

TRICAR GROUP

Historical landmark becomes a landmark residence

regular and special features IN EVERY ISSUE 10 Editor’s Note 75 Hot Dates 76 Ad Index COLUMNISTS 42 Mortgage Advice

Why mortgage rates vary from lender to lender

by Alyssa Richard

48 Tarion Report

MyHome – the simplest way to manage your new home warranty

by Howard Bogach

60 The Tax Man

TFSAs – take care with recontributions

by George Dube

62 Make Your Move

Sort, downsize and organize now for a stress-free summer move

by Chuck Resnick

78 Fundamentally Speaking

Learning as much as you can about mortgages is time well spent

by Wayne Karl

34 HOMEBUYERS’ HELP 24 Insurance Needs & Options

W y

Do you need mortgage loan insurance?

26 Insurance Needs & Options

Four things Canadians would rather do than think about insurance

65 City Focus

Guelph: Heritage, culture and economic and environmental development

69 Homebuyers’ Resources

44

Mortgage Calculator & Rate Table

community focus features 34 Ancaster

Dawn Victoria Homes Awaken in your Evergreens dream home, steps from the history of olde Ancaster

44 Hamilton

Valery Homes & The Spallacci Group Hamilton celebrates a new era with The Residences of Royal Connaught

52

52 Niagara

B To

Great Gulf Active House brings sustainable comfort to Niagara’s Rolling Meadows

New Home WATCH

18 London 27 Hamilton 55 Waterloo

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ALM TO OST WN 5 S

0%

Welcome to your care-free

SOL D!

ZONE.

LOW MAINTENANCE LIVING

Only 60 minutes to Toronto 15 minutes to the USA FALLS NIAGARA Teeing off from the low

Bungalows, Bungalofts, 2-Storey Towns, & Singles on 32’ - 50’ Lots

$300’s

ONLY 5% DOWN! 7320 Lionshead Ave, Niagara Falls

905.323.6232 Mountainview

Hours: Monday, Tuesday 12-5 p.m.

Wednesday 12-7 p.m. Thursday 12-5 p.m.

Saturday & Sunday 12-5 p.m.

Friday by appointment.

Realtors

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

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SALES CENTRE

THUNDERING WATERS GOLF COURSE

2014-06-16 10:02 AM

289.241.4896

6/19/14 1:29 PM

U9098_L

//EDITOR’S NOTE

Get it in writing

and have your lawyer review your agreement

B

uying a brand-new home offers you an opportunity to customize it to your liking. It can be a dream come true and an investment for the future – but don’t forget, it’s also legal transaction.

The term “get it in writing” has never been more important than in the case of a new-home purchase. The Agreement of Purchase and Sale spells out the terms and conditions between you and your builder. Without it, if there is a misunderstanding, it’s impossible to prove what was agreed upon.

For new homes, there is no standard Agreement of Purchase and Sale or contract. In some provinces, builders may have standard contracts prepared by the local home builders’ association or their new-home warranty program. Builders often prepare their own agreements, so contracts can vary from one developer to another and from province to province.

Before you sign a contract, review it carefully with the builder and ask questions to make sure you fully understand what it contains. Your next step is to then take it to a real estate lawyer and have it reviewed. Once it is signed, it becomes a legal document and an agreed-upon contract, so seeking the services of an experienced real estate lawyer is an important step toward ensuring that your dream home becomes a reality.

SUSAN LEGGE

EDITOR-IN-CHIEF Wall2Wall Media Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on Facebook. Search: New Home Guide

How is your builder handing DCs?

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

Hannah Yarkony GRAPHIC DESIGNER

Viosa Barileva CONTRIBUTING WRITERS

Joanne Keenan Jeffrey Reed Michele Sponagle

Published By

Home builders are finding creative ways to give buyers a break on rising Development Charges

Wayne.Karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl Like us on Facebook. Search: New Home Guide

ADVERTISING: 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

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.

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

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COPYRIGHT 2014: 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.

HI

EDITOR Wall2Wall Media

newhomeandcondoguide.com

T 416.626.4200 F 416.784.5867

D

WAYNE KARL

#500-401 The West Mall Etobicoke, ON M9C 5J5

RE

W

e and other industry sources in New Home & Condo Guide have been writing more and more recently about Development Charges, trying to bring attention to this increasingly important topic – and what you might be able to do about it. DCs are the fees applied by various levels of government when homes are built, to pay for new roads, transit and other infrastructure.

Now, we’re happy to report, home builders are getting creative, looking for ways to give buyers a break on rising new home costs. In one example, Edilcan Development Corp., a Toronto-based builder, found a way to freeze DCs at 2013 levels at one its projects – a master-planned community involving townhomes and three condominium towers.

We don’t expect that all home builders will be able to find similarly innovative solutions, but the initiative is a shining example of what can be done – while home builder associations across the country lobby government on behalf of new-home buyers.

Given that these rising fees are almost always transferred to you, the new-home buyer – along with your associated mortgage costs – such creative efforts should be applauded.

As you’re out there scouting about for your new home, ask your builder how it is handling DCs, and if there are any opportunities to save.

IMPOR (

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//COVER STORY

A HISTORICAL LANDMARK

becomes a landmark residence

T

he Tricar Group has been developing and managing award-winning, multi-family, highrise buildings for almost 30 years. As the first developer to build a highrise condo in Downtown Guelph, Tricar has become an industry leader, setting the standard for luxury condominium living.

River Mill Condominiums is Tricar’s newest condominium residence set to grace the banks of the Speed River in beautiful, culture-rich downtown Guelph.

This landmark residence will breathe new life into the area surrounding former Allan’s Mill Ruins. The cultural relevance of the River Mill location mirrors that of The Tricar Group’s own corporate philosophy. Tricar has a commitment to revitalizing and rejuvenating downtown cores while complementing the existing social and cultural fabric of the city.

River Mill Condominiums is destined to write its own history as a permanent landmark residence in the Royal City.

RIVERSIDE LOCATION. DOWNTOWN SETTING. INCOMPARABLE AMBIANCE.

River Mill Condominiums by The Tricar Group offers residents an ideal combination of luxury, convenience and choice for today’s discerning buyer. Located in the heart of downtown Guelph, this beautiful 18-storey condominium, boasts exquisitely appointed suites, including a select number of stunning penthouses with expansive terraces and stylish living spaces.

Enjoy the calming and serene views of the winding Speed River, city skyline and parkland; a picture-perfect panoramic view to enjoy throughout the seasons. Downtown Guelph awaits at your doorstep and offers an abundance of urban lifestyle pursuits, from taking in a game at the Sleeman Centre or an impressive performance at the River Run Centre to elegant dining experiences and boutique shopping galore. The Royal City of Guelph and River Mill Condos invite you to stay.

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THE TRICAR GROUP | River Mill Condominiums

EXPERIENCE THE HEIGHT OF LIVING IN YOUR RIVER MILL CONDOMINIUM.

Inside River Mill Condominiums, residents will discover a modern collection of premium brands paired with progressive space plans and mindfully crafted details that ensure a level of luxury synonymous with all Tricar developments. The suites are a culmination of an extensive selection of unique floor plans with exceptional living spaces and the finest amenities.

Bringing indoor living outdoors, River Mill Condominiums offers sophisticated social settings in impressive outdoor environments. Residents can enjoy the incredible 12,980-sq.ft. promenade and gardens located on the third level at the peak of the Podium Series suites.

On the third floor, residents will discover Pure Body + Mind. This exceptional 4,073-sq.-ft. space is dedicated to bettering the body and mind through fitness and

Enjoy the calming and serene views of the winding Speed River, city skyline and parkland; a picture-perfect panoramic view to enjoy throughout the seasons.

relaxation. On the seventh level, residents will enjoy the Sky Lounge, an intimate yet expansive social space that extends beyond the indoors to an impressive 6,082-sq.-ft. outdoor terrace.

Here, residents can enjoy a variety of leisure activities throughout the seasons.

Enjoy efficient floorplans with refined interior touches that offer superb value.

Soaring ceilings with expansive glass windows provide inspiring outdoor views.

Entertain with flair in a kitchen friends will envy, while large windows and terraces ensure abundant natural light.

With every suite comes Tricar’s awardwinning attention to detail, premium appliances and designer finishes, and the peace-of-mind that you will receive professional and dedicated attention from our Customer Care Team.

The suites of River Mill Condominiums are the manifestation of a developer’s pride in community investment. Designed to maximize comfort and livability, these onebedroom plus den, two-bedroom and two-bedroom plus den suites offer a personal yet practical approach to condo living, with meticulous attention paid to quality craftsmanship.

Awarded Tarion’s Ontario Highrise Builder of the Year in 2014, Tricar takes great pride in the honour and looks forward to delivering the same quality and attention with River Mill Condominiums; Guelph’s next address of distinction.

For more information, call 519.763.2898 or visit tricar.com

LOCATION Guelph HOUSING TYPE Highrise condominium SALES CENTRE Main Level of Old Quebec Street Mall, 55 Wyndham St. N., open Monday to Wednesday noon to 6 p.m., weekends noon to 5 p.m. or by appointment CONTACT 519.763.2898 tricar.com JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 15

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When it comes to your home, the little things matter.

H

The same goes for home insurance.

We’ll get you all the benefits you’re entitled to with TD Insurance home protection.

• •

We are dedicated to getting you the most out of your home insurance coverage. In fact, we recognize our claims staff for working hard to get you the benefits you’re entitled to, because we know how much the little things matter. So you can be sure that we’ll always stand with you.

•

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Visit tdinsurance.com/littlethings or call 1-877-741-1932

3

TD Insurance home protection is underwritten by TD Home and Auto Insurance Company in Ontario and by Primmum Insurance Company in the rest of Canada. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Sa 16 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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2:25:01 PM

mattamyhomes.com

Wintergreen Model Home, Wildflowers, Kitchener

How Soon Can You Live Here?

How Soon Can You Get Here?

Fall 2014 Closings Now Available On A Select Number Of Detached Homes.

36’ Home, The Pelham, Elev. ‘E’, 2,356 Sq.Ft., $559,990

36' Home, The Woodstock, Elev. ‘G’, 2,758 Sq.Ft., $618,990

Semi-Detached From $439,990 Detached Homes From $465,990

407

Trafalgar

401

403 To QEW

Winston Churchill

Sales Centre

Trudeau Dr. James Snow Parkway

• Shopping and schooling right in the community • Enjoy all of the benefits of living in the wonderful town of Milton • Home designs to suit families of all sizes

4th Line

• New Semi’s and 34' Detached designs • More than 10,000 families already enjoy Hawthorne Village living • Abundant natural beauty at the Escarpment

Derry Rd. E

MILTON Sales Centre: 10180 Derry Road

BILD Homebuilder Of The Year.

Follow us:

Sales Centre Hours: Monday - Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm 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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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 forest park homes London | Amour Riverbend Coming soon – elegant town villas from $234,900.

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forest park homes London | Central Park Coming soon – urban townhomes from $224,900.

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new releases cachet reid heritage homes London | Copperfield final single-family homes available in this community. single-detached designs close to schools, shopping, recreation and parks.

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senator homes Woodstock | Havelock Corners Detached homes from $209,990 in an established community.

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new openings tricar group Stratford | 36Front steps from the avon river, this luxurious new lowrise building features suites ranging from 1,200 to 1,800 sq. ft. in two-bedroom or two-bedroom plus den designs, as well as select penthouses.

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sifton properties London | Westwood Village Grand opening of luxury one-floor energy star condos from the low $300’s.

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claysam homes Woodstock | Neighbourhoods of Devonshire Get affordable homeownership in this community of single-family homes minutes from hwy. 401.

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18 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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London:

WINGHAM, GODERICH, CLINTON, MITCHELL, STRATFORD, WOODSTOCK, INGERSOLL, TILLSONBURG, AYLMER, ST. THOMAS, STRATHROY, DUNWICH

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JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 19

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$

Fo

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dream achieve

in something new

Maplewood Elev. B

Southwestern Ontario’s best new home value starting from $224,900 Own a new home from just

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visit us online for model hours claysamhomes.com *Limited time offer. $798.25 per month based at 3%, 5 year closed mortgage amortized over 25 years with 25% down payment on purchase price of $224,900. P&I only.

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SWO 06-21-14.indd 21

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OPPORTUNITY. OPPORTUNITY. OPPORTUNITY.

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^^^ +PZJV]LY;PSSZVUI\YN JH ^^^ +PZJV]LY;PSSZVUI\YN JH ^^^ +PZJV]LY;PSSZVUI\YN JH 22 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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10:59 AM

Page 1

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$5,0

//insurance needs & OPTiOns

If yo

dO yOu need

mortgage loan insurance?

Buying a new home and not sure if you need mortgage loan insurance? Well, if you’re making a down payment of less than 20 per cent of the purchase price (what’s known as a high-ratio mortgage), your lender will almost certainly require you to have mortgage loan insurance.

What many consumers don’t realize, however, is that this insurance doesn’t protect you, the homeowner – it protects your lender against mortgage default.

But since the mortgage is insured – essentially guaranteed by Canada Mortgage and Housing Corp. – this program also enables consumers to purchase homes with a minimum down payment of five per cent.

What many consumers don’t realize, however, is that this insurance doesn’t protect you, the homeowner – it protects your lender against mortgage default.

Mortgage loan insurance is not to be confused with mortgage life insurance, which guarantees that your remaining mortgage at the time of your death will not be a burden to your estate.

The CMHC Mortgage Loan Insurance premium is calculated as a percentage of the loan and is based on the size of your down payment. The higher the percentage of the total house price/value that you borrow, the higher percentage you will pay in insurance premiums.

If you’re putting down five per cent as a down payment and mortgaging the balance, your loan-to-value (LTV) ratio is then 95 per cent. Generally speaking, the higher the LTV, the greater the premium for mortgage loan insurance. For example, for an LTV of 95 per cent, the standard premium is 2.75 per cent of the purchase price; for an LTV of 90 per cent, it’s two per cent; for an LTV of 85 per cent, the premium is 1.75 per cent, and so on.

The premium can be paid in a single lump sum or it can be added to your mortgage and included in your monthly payments.

Without mortgage insurance, you may avoid the insurance premium, but you could also pay higher interest rates for the mortgage, as well as additional administrative fees. At the end of the day, for the vast majority of borrowers, the cost of CMHC Mortgage Loan Insurance is more than fully offset by the savings achieved.

Under the CMHC Green Home program, buyers may qualify for a 10-per-cent premium refund and extended amortization period without surcharge, for mortgages used to finance an energy-efficient home.

For more information, visit cmhc-schl.gc.ca

24 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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Sifton.com

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6/19/14 1:30 PM

//insurance needs & options

Four things Canadians would rather do than think about insurance When it comes to thinking about insurance, new research has found that there are a lot of unpleasant tasks Canadians would rather do in place of researching coverage options. A recent survey commissioned by TD Insurance found that 62 per cent of respondents would prefer to shovel snow, spend a Saturday doing laundry, go to the dentist or even wait in an airport security line rather than think or talk about insurance coverage.

The national survey also explored Canadians’ ability to estimate risks and the likelihood of certain events.

The findings indicate that as a group, Canadians generally underestimate risks. For example, the survey found that 81 per cent of participants underestimated the likelihood of a home break-in, which is about 1 in 200 according to Statistics Canada. Furthermore, two-thirds (67 per cent) of those surveyed reported seeing themselves as more safety conscious than the rest of the population, even though statistically this can’t be the case.

“When the probability of risks are not well-known it can be difficult to seek out insurance coverage that offers

the right protection,” says Craig Richardson, vice-president at TD Insurance. “We encourage customers to talk to their insurance providers to better understand their coverage. We strive to help customers weigh options against risks and factor in the necessary considerations to choose coverage that best reflects their needs.”

The survey found that respondents were as likely to overestimate potential risks as they were to underestimate them. Asked to predict the chances of being injured, even slightly, in an auto accident in a typical year, 36 per cent underestimated the likelihood but 30 per cent overestimated.

According to Transport Canada statistics the odds are approximately 1 in 130.

“Studies have shown that many people prefer to avoid thinking about negative situations, even if they believe those situations are likely to happen,” says Dr. Edwin Weinstein, a psychologist and president of the Brondesbury Group who advised TD on its research for this initiative. “Shopping for insurance is one of those times in life where you’re forced to think about situations you would rather avoid. It’s not surprising that people would choose to shovel snow than consider the possibility that unpleasant things can happen.”

The results also showed risk assessments differ across gender and age groups. For example, men were more likely than women to identify themselves as above average in safety consciousness and health. Almost three quarters of men (72 per cent) said they were more safety conscious than others, whereas only 62 per cent of women made the same claim.

And, at 53 per cent, men were also more likely than women to believe they were healthier than others their age – only 44 per cent of women identified themselves as having above average health. Interestingly seniors over 65 years of age were the group most likely to rate themselves healthier than others their age, with 65 per cent choosing this option.

“It’s great to have a positive outlook in life, but it’s also important to be prepared,” says Richardson. “Our advice is to expect the best, but plan for bumps in the road. For example creditor protection insurance – on a mortgage, car loan or even a credit card – can help ensure one doesn’t default on a loan in the case of a life event that makes it difficult to make payments.”

26 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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HALTON HILLS WELLINGTO

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 NEW HORIZON HOMES Stoney Creek | Waterfront Trails

True lakeside living coming to Stoney Creek.

Register now for VIP access.

newhorizonhomes.ca

ROSEHAVEN HOMES Waterdown | Waterdown Meadows

Coming soon – fall 2014! Register now!

waterdownmeadows.com MATTAMY HOMES Oakville | The Preserve

Coming soon – new and exciting live/work opportunities. Register now!

mattamyhomes.com

VALERY HOMES Milton | Viva2

Register now for one- and two-bedroom condo suites, while future phases will include condo townhome designs

valeryhomes.com

SILVERGATE HOMES Niagara on the Lake | St. Andrews Glen

Register now for this elegant collection of spacious condo townhomes in this historic town.

standrewsglen.com

KINGWOOD HOMES Brantford | Riverwalk

Grand opening coming soon – register now for this master-planned community of luxury 40-ft. singles beside the Grand River.

ANCASTER BEAMSVILLE BINBROOK BRANT BRANTFORD BURLINGTON CATHARINES GRIMSBY HAMILTON

MILTON NIAGARA OAKVILLE PARIS PORT DOVER ST. CATHARINES STONEY CREEK VINELAND

NEW OPENINGS SPALLCCI GROUP & VALERY HOMES Hamilton | The Residences of Royal Connaught

Now open – the transformation of this landmark property has begun. Here’s your chance to buy a piece of history.

royalconnaught.com

MULTI-AREA DEVELOPMENTS Hamilton | Bloom

Grand opening of two- and three-storey townhomes in Summit Park.

multi-area.com

KINGWOOD HOMES Paris | Village on the Grand

Now open – elegant towns backing onto the Grand River.

kingwoodhomes.ca

NEW HORIZON HOMES Oakville | Mint Condos

Tradition meets urban living at Bronte and Dundas in these affordable luxury condos.

newhorizonhomes.ca

LJM DEVELOPMENTS Grimsby | Waterview Condominiums

Boutique lifestyle with contemporary architecture and state-of-the-art fixtures.

waterviewcondominiums.ca

ROSEHAVEN HOMES Mount Albert | Victoria Highlands

50-ft. detached singles from the $580’s.

kingwoodhomes.ca

rosehaveninmountalbert.com

SPALLACCI HOMES Hamilton | Eden Park

LAKEVIEW HOMES &SOLMAR DEVELOPMENT GROUP Niagara-on-the-Lake | Cannery Park

Coming soon – Simona Place The Towns of Eden Park Exquisite collection of executive townhomes.

spallaccihomes.com

LOSANI HOMES Binbrook | Fairgrounds

Register now for the final phase of towns and singles, coming this summer.

losanihomes.com

New release of 38-ft. singles and semi-detached homes in this community among tree-lined streets, shopping, vineyards and wineries.

cannerypark.ca

SPALLACCI HOMES Hamilton | Eden Park

Grand Opening of Chateau-inspired semis collection.

spallaccihomes.com

SPALLACCI HOMES Hamilton | 101 Locke Condos

NEW RELEASES

spallaccihomes.com

ROSEHAVEN HOMES Chippawa | Lyon’s Creek

Register now – Boutique condo living is coming to Hamilton’s hip Locke Street.

50-ft. detached and 35-ft. freehold towns from the $320’s.

rosehavenhomes.com

JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 27

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Paris

Port Dover

Simcoe

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

De t Se . m Bu i n To galo w w Co nho n m Ad do e ul tL ife sty le

SITES

PRICES

Ancaster

DAWN VICTORIA

Evergreens

•

Ancaster

LOSANI HOMES

Ancaster Glen

•

Beamsville

HOMES BY DESANTIS

Lincoln Square

Brantford

EMPIRE COMMUNITIES

Wyndfield

Grimsby

BUCCI HOMES

Bliss

Hamilton

EMPIRE COMMUNITIES

Summerlea

Hamilton

LOSANI HOMES

The Woodlands

Hamilton

MULTI-AREA DEV

Bloom

Hamilton

STARWARD HOMES

Country Ridge Estates

Hamilton

SPALLACCI HOMES

Eden Park

Hamilton

VRANCOR GROUP

150 Main

Milton

MATTAMY HOMES

Hawthorne Village

Niagara

EMPIRE COMMUNITIES

Imagine

Niagara

GREAT GULF

Edgewood

•

Niagara

PHELPS HOMES

Streamside on the Twenty

•

•

Niagara Falls

MOUNTAINVIEW HOMES

Thundering Waters

•

•

Niagara Falls

ROSEHAVEN

Lyon's Creek

•

•

Niagara on the Lake BW HOMES

Niagara on the Green

•

• •

Niagara on the Lake LAKEVIEW

Cannery Park

•

from mid $400's •

PAGE 36 77

•

from $279,900

11

•

from $233,990

2&3

•

from mid $260's

•

•

from $316,990

•

•

•

from $270's

49

from $435,000

43

from $300's

47

from low $200's

51

•

from $439,990

17

•

from $229,990

2&3

from $326,990

79

from the $370's

32

•

from low $300's

9

•

from the $320's

37

from mid $200's

5

• • •

•

Niagara on the Lake SOLMAR DEVELOPMENT CORP Cannery Park

• •

2&3 77

• •

31

•

from $290's

39

from $290's

39

from the $260's

32

from $270's

32

PSmithville

PHELPS HOMES

Brookside on the Twenty

Smithville

PHELPS HOMES

Harvest Heights

•

St. Catharines

BW HOMES

Victoria Village

•

from low $300's

4

St. Catharines

STARWARD HOMES

Heritage Point

•

from $214,900

43

Stoney Creek

EMPIRE COMMUNITIES

Victory

•

from $305,990

2&3

Stoney Creek

NEW HORIZON

Waterfront Trails

from $199,999

30

Stoney Creek

ROSEHAVEN

On The Ridge

•

from mid $300's

37

Thorold

GREAT GULF

Rolling Meadows

•

from $370,990

79

Thorold

ROSEHAVEN HOMES

Gibson Heights

•

•

from the $290's

37

Waterdown

COUNTRY GREEN HOMES

The Uptowns of Waterdown

•

from mid $200's

7

•

• • •

•

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

BUILDERS

Halton / Hamilton / Wentworth / Niagara:

Port Dover

LOCATION

29

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30 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

final home condo ad new size5.indd 1 SWO 06-21-14.indd 30

6/18/2014 11:38:19 AM 6/19/14 1:30 PM

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Kathie Pillar, Sales Representative buccihomes@bellnet.ca TF: 1-800-290-0163 Site: 905-945-1656 QEW to Bartlett Street exit, north to Lake Street Monday – Thursday 2-7pm, Friday by appointment, Saturday & Sunday 12-6pm JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 31

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270s 0s

Live the Good Life.

Live the Good Life.

CRAFTSMAN STYLE HOMES MINUTES FROM THE MODERN WORLD. It seems like small towns have become big towns and big towns are now small cities. What if you could have the best of both worlds, and live just minutes from everything, yet wake up to the sound of, well, nothing. We’re talking about enclaves of beautifully crafted homes surrounded by wine country and farmers’ markets. Instead of traffic jams and concrete jungles you’ll have conservation areas, bike trails and homemade pies just a hop, skip and jump away.

Starting to sound pretty good isn’t it?

WHAT YOU CAN EXPECT FROM A PHELPS CRAFTED HOME. Since 1975 Phelps Homes has been crafting homes in West Niagara that have earned it a solid reputation. These new neighbourhoods feature craftsman style design with large front porches, stone and brick accents, large open concept living spaces, and beautiful designer kitchens. Visit all three of our finely crafted communities in Smithville.

Come for a drive, stay for a lifetime.

NEW HOMES ON UP TO 50’ LOTS

EXECUTIVE HOMES ON 50’ LOTS

NIAGARA’S PREMIER ADULT LIFESTYLE COMMUNITY

Semi-detached homes from the $270s Detached homes from the $340s Call Bob: 905.945.6970

Bungalows from the $370s Two storeys from the $400s Call Ben: 905.945.6978

Bungalow Townhomes from the $260s Detached Bungalows from the $350s Call Liz: 905.957.1777

PhelpsHomes.com Prices, features and specifications are subject to change without notice and are accurate at time of publication. Subject to availability. Please see sales representative for details. E. & O.E.

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e g ms y.

as e d

m

JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 33

E.

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//COMMUNITY FOCUS

AWAKEN IN YOUR EVERGREENS dream home steps from the history of olde Ancaster LOCATION Ancaster HOUSING TYPE Two-storey and bungalow singles from $421,900 SALES CENTRE Southcote Rd. at Garner Rd., open 1 to 6 p.m. Monday to Thursday, noon to 5 p.m. weekends CONTACT 905.304.6099 evergreens_dawnvictoria@bellnet.ca dawnvictoriahomes.com

A

ncaster’s Evergreens is where families are already awakening in the homes of their dreams. With many homes complete and others underway, there is still time to select your own dream home, minutes from olde Ancaster with its history, shops and boutiques.

Designed for your family by Dawn Victoria Homes, Evergreens unites gracious design with the grandeur of historical architecture.

A serene enclave of 57 stately homes, Evergreens reaches out to city and country – the choice is yours. This is where clean country air surrounds you and pastures are a whisper away; where city lights are in the distance and quiet nights will be yours. Evergreens is only seconds to Hwy. 403, making access to Hamilton, Toronto and Brantford quick and easy. Or take the back roads and enjoy the scenery. In minutes you can access the LINC and be in Stoney Creek or hop on the Red Hill Expressway and be on your way to Niagara.

These country-sized lots of 42- and 50-ft. can be found on Southcote Road, north of Garner Road. With only two streets of homes, Evergreens will retain the charm of a community within a community. Designs offer three elevations and dozens of exterior finishes for an appealing streetscape that artfully merges natural elements of the day – stone, brick, wood siding – with state-of-the-art home construction.

34 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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DAWN VICTORIA HOMES | Evergreens

Across the back of the home is the family room along with a fabulous kitchen that is sleek and contemporary with granite counters and stone-hued tile underfoot.

Two graciously appointed models are available for viewing while illustrating two lifestyle possibilities. Family living is gracious and easy to achieve in the two-storey, fourbedroom Rousseaux of 3,157 sq. ft. Next door, the 2,212-sq.-ft. Halson features main floor living with a two-bedroom loft, ideal for empty-nesters or busy professionals looking to retreat to the lap of luxury and comfort.

The Rousseaux gives a modern nod to the central hall plan of yesterday with a spacious two-storey entry that extends into the home in several directions. The den/home office is right here, with the addition of a bay window that takes advantage of the nine-ft. ceilings found on the main floor. There is an open-concept dining room. The garage door and mudroom are found beyond a door of waterfall glass where family gear is easily accessible but hidden from guests Across the back of the home is the family room along with a fabulous kitchen that is sleek and contemporary with granite counters and stone-hued tile underfoot. The dinette area with patio doors to the back, bridges the space between the kitchen and spacious family room.

Each of this home’s four bedrooms is its own private suite with a walk-in closet and ensuite or shared ensuite. Each tub is fully tiled to and including the ceiling, a detail often forgotten, but not here. There is also a full-size laundry.

Double doors provide the entrance into the master suite with a walk-in closet lined with cabinets. Beyond another door of waterfall glass, the ensuite offers modern contemporary style with a pedestal tub set beneath the window against wall of glistening mini glass tile, next to the glassed-in shower. Water flows from wall-mounted fixtures into a pair of glass bowls in his and hers vanities set into a granite counter.

Main floor living doesn’t get any better than within the Halson.

Modern design begins at the entrance as a cathedral ceiling rises overhead in the private dining room. In the kitchen, solid surface counters are a contemporary balance to the rustic tones of the cabinets. The laundry room and mudroom are combined at the entry to the double garage, concealed behind a door of waterfall glass.

Beyond the kitchen, a vaulted ceiling reaches high above the family room to the upper level with sitting area, two bedrooms and a bath. The pinnacle of drama is reached beyond the 10-ft. door of the master suite with the unexpected continuation of the vaulted ceiling. The height is reinforced with 10-ft. doors of waterfall glass that lead to the walk-in closet of custom cabinets and ensuite.

At Evergreens at Southcote, these aren’t just dream homes, they can be reality for you and your family.

For more information: 905.304.6099, evergreens_dawnvictoria@bellnet.ca or visit dawnvictoriahomes.com JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 35

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OUR FINAL RELEASE IN ANCASTER. MOVE IN THIS YEAR.

Im w Ia

SINGLE DETACHED HOMES FROM THE MID

403

6

SOUTHCOTE RD

$400s

GARNER RD E

Ancaster | 905-304-6099 Sales Office Hours Mon – Thurs 1pm – 6pm Sat & Sun 12pm – 5pm | Friday by appointment

Maureen Hall, Sales Representative Darlene McCauley, Broker | 905-528-8956

DAWNVICTORIAHOMES.COM

36 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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All photo

Imagine life in a Rosehaven Home where you will say…I am happy, I am comfortable, I am home!

All photos are actual Rosehaven homes.

Current Communities

CHIPPAWA/NIAGARA The Grass is Greener 50’ Singles & Freehold 35’ WIDE Bungalow Loft Townes from the $320’s.

THOROLD Move to a Better Way of Life!

45’, 40’, 36’ Singles, Semis & Towns from the $290’s.

Quick closings! Tour our 8 models.

STONEY CREEK Walk, Bike or Play!

40’ & 35’ Singles from the mid $400’s.

Semis from the mid $300’s.

For directions, hours and community information call our hotline (1-888/416) 410-0175

or visit

RosehavenHomes.com

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

SWO 06-21-14.indd 37

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A brand new phase is coming to Kitchener’s favourite family community Don’t miss out on this one! A brand new phase at sought-after Topper Woods is launching. Move up to an enclave of all-detached homes on 43’ and 50’ traditional lots. Live where everything is right around the corner, at historic Doon Village with schools, local parkland and easy access to Hwy 401.

Sales Office and Models Opening June 28th.

REGISTER TODAY AT MONARCHGROUP.NET

Impressive 43’ and 50’ Singles from the mid $400,000’s

Robert F err i

SALES CENTRE & MODEL HOMES

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7 Wetland Way, Kitchener ON N2P 2Y7 519.894.8222

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HOURS:

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Monday – Thursday: 1 pm – 8 pm Friday: 12 pm – 5 pm Weekends & Holidays: 11 am – 6 pm

Prices, specifications, and promotions subject to change without notice. Other promotional offers does not apply. Renderings are Artist’s concept and images are for mood impressions only. Please see sales representatives for details. E.&O.E June 2014. 11477.

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//MORTGAGE ADVICE

Why mortgage rates vary from lender to lender » by ALYSSA RICHARD

ALYSSA RICHARD

is the Founder and CEO of ratehub.ca – a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

Over the past several weeks, we saw mortgage rate wars continue in Canada, as different lenders all tried to get a bigger piece of the spring real estate pie. First, Investors Group offered a three-year variable of just 1.99 per cent. Then Scotiabank dropped its five-year fixed down to 2.97 per cent, which was the lowest among the big banks. Finally, on ratehub.ca, we saw five-year fixed rates vary from 2.99 per cent in Quebec to 2.84 per cent in British Columbia.

It seems odd that lenders can all offer such different rates, right? I mean, if five-year fixed mortgage rates are driven by five-year government bond yields, how is it possible for mortgage rates to vary from lender-to-lender – especially from province-to-province? As it turns out, the answer is fairly simple.

Individual lending institutions set their rates based on what their profit objectives are, how much competition they have and what their marketing strategy is. We’ve seen how this works on a national level, when one of the big banks launches a new low rate before the other big banks, so they can get some press and gain a little more of the market share.

On a provincial level, though, we often forget how many credit unions and small lenders exist in only one province. And if a small lender in one province sets a new low rate, there’s no reason for small lenders in other provinces to follow suit because they are not direct competitors.

Finally, on a city level, it can also become a classic case of supply and demand. For example, in a city such as Toronto, where there’s a greater demand for housing and thus mortgages, there’s

Sin To

$

Individual lending institutions set their rates based on what their profit objectives are, how much competition they have and what their marketing strategy is. a need for lenders to supply the lowest mortgage rates, so they can compete for a portion of the market share. However, in comparison to somewhere like Yellowknife, where there are significantly fewer people, homes and real estate transactions, buyers have fewer lenders to choose from, so lenders can charge higher interest rates.

On top of the role lenders play, you also need to consider what the mortgage brokers who work with each individual lender choose to do with their commission. Some brokers choose to keep the full commission, and others decide to split it with clients in the form of a lower rate.

What does all this mean for you? If you’re thinking of buying a home this year, don’t just walk into your bank and accept the rate they offer you. Work with a mortgage broker who can find the best mortgage rate and product for you.

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42 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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14-04-23 3:12 PM 6/19/14 1:30 PM

//COMMUNITY FOCUS

Hamilton celebrates a new era with

THE RESIDENCES OF ROYAL CONNAUGHT

LOCATION Hamilton HOUSING TYPE Condominium SALES CENTRE 112 King St. E., corner of King and Catherine, open Monday to Thursday from 1 to 6 p.m. and Saturday and Sunday noon to 5 p.m.

CONTACT 905.645.0450 info@royalconnaught.com royalconnaught.com

A

new era began in Hamilton within the newly refurbished lobby of the Royal Connaught with a launch worthy of F. Scott Fitzgerald and company as the big and bold of Hamilton gathered to toast and talk about the future glory of this icon of the skyline.

With fun and frivolity in the air as it was in the Roaring Twenties, The Residences of Royal Connaught have been released with much fanfare and celebration as this once glorious hotel undergoes a transformation into fabulous condominium suites of contemporary elegance.

Names big and small, political, private and business-related, of Hamilton gathered to embrace this new beginning in its two-tiered lobby lit by three fabulous crystal chandeliers upon a white scape of marble and carved cornices.

“We wanted visitors to enter through the grand lobby to begin their experience here,” says Ted Valeri of Valery Homes, which has partnered with The Spallacci Group to undertake this transformation. With this industrious display of initiative, the builders plan to draw substantial companies downtown as tenants in the retail aspect of the project.

Valeri and Rudi Spallacci, of The Spallacci Group, share the same ideals that led to them spearheading this project. “We’re pleased this day has come,” says Spallacci, “and that we can bring people into this lobby to see what has begun. We can finally share our progress and our plans.”

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VALERY HOMES & THE SPALLACCI GROUP | The Residences of Royal Connaught THE CONNAUGHT DRAWS THOUSANDS TO PRIORITY VIEWING

Riding the wave of the preview gala only days earlier, registrants eager for an opportunity to buy a suite at the Residences of the Royal Connaught lined up around the block to glimpse the future of this Hamilton icon.

Three thousand people pre-registered for priority viewing leading up to the Grand Opening in early June. A busy sales team reports incredible sales the first weekend along with a crowded sales centre and constant tours through the model suite.

With substantial sales expected, construction can begin in the very near future aiming for move-in dates by fall/winter 2016.

“We wanted visitors to enter through the grand lobby to begin their experience here,” says Ted Valeri of Valery Homes, which has partnered with The Spallacci Group to undertake this transformation.

Rudi and Anna Spallacci, Anita and Ted Valeri Photos by Jeff Tessier

“We’re focused on creating a new history right here, right now,” says Valeri.

Spallacci is well-known in Hamilton and specifically in the downtown core for Terraces on King, a property next to Denninger’s that underwent several ownership changes before his company stepped in to create several floors of attractive residences above upscale retail shops. Today, history is repeating itself when the companies partnered to embark on the redux of the Royal Connaught.

With only 122 suites available in Phase 1, and a list of 3,000 pre-registered potential purchasers, five per cent of those registered could be suite owners in the near future, calculations that are not lost on Valeri and Spallacci. Suites range from one-bedroom suites of 555 sq. ft. to the two-bedroom suites such as the Aberdeen of 1,077 sq. ft. now on view as the model suite.

Within the model suite, you discover an ultra modern decor within these historic surrounds. Monochromatic finishes in a white and platinum scheme are punctuated by dark hardwood in the living room and bedrooms. Striking tile work in the master ensuite and second bath illustrate how simple lines and varying sizes can contribute vital interest to a simple palette. Of exceptional note are the interior doors of extended height that reach up to the 10-ft. ceiling. Waist-to-ceiling windows are set into the original openings. Each suite is individually climate controlled, has its own insuite laundry with some also featuring a Juliette balcony. The new construction will offer full balconies.

Using the existing framework of the structure as template, the architects of Karp Namisniak Yamamoto, of Burlington, used the past to create the present with suites that follow the original footprint of this former hotel that has hosted everyone from royalty to rock stars.

Architect Stephan Namisniak says it was essential to respect the integrity and the structure of the building. “Working within these parameters we face what it is, to come up with what you see.

We discovered the new within the old, the present from the past.” Three additional towers of varying heights will surround the existing building in elements of glass and steel to contrast its existing façade. In total, the entire complex will number 700 suites. Once construction begins on the existing hotel, completion is expected in 18 months.

For more information, contact 905.645.0450, info@royalconnaught.com or royalconnaught.com JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 45

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CHINESE HOME & CONDO GUIDE 網上 參閱

各式電子工具都可瀏覧

ChineseHomeGuide.com

3 Issue 5 / Jun 21 - Jul 26, 2014 Volume 六月二十一日至七月二十六日

遍及湖濱區

Chinese home and condo buyers and investors now have a new comprehensive, full gloss real estate magazine to inform and guide them through the buying process in the Greater Toronto Area.

Launched in 2012, the Chinese New Home and Condo shopper and investor will have a valuable new resource to help inform and guide them through the newest communities in the Greater Toronto Area.

Pick Up Your Copy Today or call us for a free copy at 416.626.4889!

須知 • 工展會街頭節 烈治文山簡介 • 柏文樓花轉售 6/2/14 2:20:51 PM d 1

GTA Chinse Front Cover 06-21-14.ind

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//tarion report

MyHoMe:

the simplest way to manage your new home warranty » by howard bogach

Tarion has continued to evolve over the past few years to help us better serve the hundreds of thousands of homeowners who have purchased new homes across Ontario. Owning a

howard bogach

is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide.

For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/ TarionWarrantyCorp.

home comes with a great deal of responsibility, and keeping track of all the tasks involved can be complicated. This is why we are always striving to make managing your home’s warranty more convenient. Tarion is constantly updating our online service, called MyHome, which is designed to help homeowners stay on track when it comes to their warranty coverage.

Just about all new houses and condominiums in Ontario come with a mandatory warranty that begins when you sign a purchase agreement, and lasts seven years from the date of first possession. This means that if you are a new homeowner, you have warranty protection, guaranteed by Tarion Warranty Corp.

MyHome is the simplest way to manage your warranty. As soon as you take possession of your home, you can register. The service allows homeowners to securely submit 30-Day, Year-End and Second-Year Forms. You can also view any submitted forms and official correspondence. Tarion will send you automatic email alerts so you don’t miss any important deadlines. This is crucial, because timing is essential when submitting warranty forms. Missing a deadline may delay – or even jeopardize – a claim.

This is not a new service – it has been in place since 2009. However, Tarion implemented a number of enhancements to MyHome in 2013. These include the ability to upload supporting documents to an account, such as photos, receipts and

agreements, and a feature allowing homeowners to schedule a conciliation inspection online. Tarion’s Accessibility for Ontarians with Disabilities Form is now available on MyHome for homeowners to complete and submit electronically. A live-chat customer support function was also added last year to help homeowners navigate MyHome as they use the site.

Over the years, we’ve seen a steady increase in homeowners using our electronic services to manage their warranty. Our most recent numbers tell us more and more homeowners are choosing MyHome, with the number of users jumping from 50,000 in 2012 to 73,731 in 2013. In total, 61 per cent of all warranty forms received in 2013 were through MyHome.

MyHome isn’t the only way Tarion has been improving and updating its services. In the past few years, we have been moving from a primarily paper-based organization to a more electronicbased one to effectively serve the needs of all our stakeholders. In 2013, we launched multiple social media channels as a way to engage new-home buyers. Our Facebook page offers valuable updates, educational materials about the warranty process and industry related information that is relevant to new-home buyers.

Tarion’s YouTube channel includes online videos to help new homeowners navigate the warranty process. We even offer the Homeowner Information Package electronically, which helps ensure homeowners are always accessing the most recent version of this document.

So, if you’ve purchased a new home, sign up for MyHome to make managing your warranty easier. New home purchasers can register for MyHome by visiting tarion.com and following the MyHome link on the homepage. You will need to provide your home’s enrolment number and original date of possession (which is the warranty start date). This information is on the Certificate of Completion and Possession (CCP), provided by the builder.

If you have purchased a new home and your builder has not informed you about the mandatory new home warranty that you are entitled to, contact Tarion as soon as possible.

You may be dealing with an unregistered builder, which is illegal in Ontario.

As always, if you have a question or would like more information about Tarion, visit tarion.com or find us at facebook. com/TarionWarrantyCorp. Finally, if you have some suggestions on how to improve our services, contact us through one of our various channels. Tarion welcomes your comments on how we can continue to improve our services.

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Bloom_NHC_June17_CornerHouse_HR.pdf

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2014-06-17

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L

Winter 2014 edition free

home&condo tHe Guide to BuyinG and ManaGinG your first HoMe

Highrise or lowrise?

Which option is best for you? your first MortGaGe

Demystifying this often intimiDating topic

spend vs. save tips to furnish every room in your first home

special edition

YFH Cover WINTER2014_FINAL.indd 1

THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME 416.626.4889

15/01/14 15:34:32

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LIVING THE DREAM N

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at the corner of MAIN and Everything

150 Main West Residential Loft Condos Spacious and Open Concept designed suites Fantastic location, in the “Heart of the City”!

Spectacular views of the Hamilton Bay, Escarpment and Skyline Standard Features & Finishes: • • • • •

Laminate flooring Porcelain tiles (12”x 24”) Quartz counter top Glass tile backsplash in kitchen Contemporary design cabinetry by Frendel

• Stylish bathrooms and ensuites* • 9 and 10 foot ceilings* with decorative bulkheads • 8 foot doors* • In-suite laundry • Smooth finish ceilings

150 MAIN WEST Occupancy early Jan/2015!

Building Features: • • • • • •

Concierge service Contemporary finished corridors and suite entry areas Party room with catering kitchen, library and fireplace Fully equipped fitness centre with aerobics/yoga/stretching area Year round swimming pool with outdoor sundeck Courtyard with multiple barbecue stations and various seating arrangements

6 Piece Appliance Package Included GE* Stainless Steel Kitchen Appliances

Sales office hours are: Mon-Thurs 12-6pm Sat & Sun 12-5pm Friday (closed-by appointment) Please call us at 905.667.1900.

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www.150mainwest.com | info@150mainwest.com JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 51

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//COMMUNITY FOCUS

GREAT GULF’S Active House – sustainable comfort

F

rom its clean and modern exterior to its soaring ceilings and light-filled spaces, there is something different about one home in Niagara’s Rolling Meadows.

This is Active House, Great Gulf’s sustainable twist on the single-family home and the first of its kind in Canada. Designed with intent to create healthier and more comfortable lives for residents, while reducing maintenance and operating costs, Active House is a model for future home design and better living.

Room by room and space by space, Active House is equipped with energy efficient and environmentally sustainable features. Skylights and large windows provide natural light reducing the need for artificial lighting. Airflow driven by cross

ventilation and the “stack effect” (hot air rises, cold air falls) provide better air quality throughout. Motorized windows are uniquely designed to moderate the interior temperature with remaining heat and cooling needs powered by renewable energy from Bullfrog Power. A cistern collects rainwater for flushing toilets and irrigation, reducing costs and conserving water.

The home’s many features can be managed by the touch of a finger. A built-in automated control system, which also has the ability to connect with the homeowner’s computer, tablet or smart phone, allows the user to control features such as windows, blinds, lighting, skylights, humidity and temperature.

LOCATION Niagara HOUSING TYPE Sustainable single-family home CONTACT greatgulf.com

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GREAT GULF | Rolling Meadows

Toronto Architectural firm Superkül was enlisted to design the model based on a concept devised by the Active House Alliance, in Brussels. Comfort, energy and environment were the prime considerations. Active House embraces the inclusion of ample glazing – in the form of high performance windows and skylights, for natural lighting and ventilation, while offsetting any inefficiency with other renewable energy systems.

In Great Gulf’s 3,300-sq.-ft. prototype in Thorold, the exterior is a handsome composition of black brick and cedar cladding. The walls are airtight due to the use of closed-cell foam and insulated sheathing board. Hybrid windows on both of the home’s two storeys optimize the solar heat gain on the north, south and east elevations of the house during the winter months and low solar heat gain windows on the

Room by room and space by space, Active House is equipped with energy efficient and environmentally sustainable features.

Skylights and large windows provide natural light reducing the need for artificial lighting west elevation to minimize unwanted solar heat during the summer months, a particular asset in minimizing utility costs. Operable skylights and patio doors leading to a back patio also make rooms brighter.

The open-concept layout features soaring ceilings to embrace maximum amounts of daylight and promote cross-ventilation. Upstairs, a bridge with a glass barrier runs the length of the house. Panoramic windows in the master bedroom, and open staircases throughout also help to reduce the need for artificial light. A slatted wood divider between the living and dining areas provides shading, and contrasts the marble fireplace.

The home has now been sold but will continue to inspire new model for sustainable living in future communities across Canada.

For more information, visit greatgulf.com

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IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property.

That’s why we put you right in the middle of the search process.

Search your favorite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

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

Powered by

54 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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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

AZ TECH HOMES Arthur | Preston Park

ACTIVIA GROUP Waterloo | Bloom

Townhomes from the mid $200’s in Wellington County, near Orangville and Fergus. Model homes open in June 2014

soontobloom.ca

COOK HOMES Kitchener | Grand Ridge

FUSION HOMES Guelph | Solterra

A private crescent sitting on a ridge overlooking the Grand River, featuring 30- and 36-ft. lots.

Register now for this new multi-residential condominium community in Carriage Crossing.

Coming soon – 30-ft. detached homes from 1,300 to 2,450 sq. ft. Register now for priority preview.

ALMAA AYR CAMBRIDGE ELORA FERGUS GEORGETOWN GUELPH KITCHENER ROCKWOOD WATERLOO

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cookhomes.ca

fusionhomes.com

FUSION HOMES Guelph | Natura

Register now for priority preview of this collection of townhomes surrounded by woodlands behind Eastview Road.

fusionhomes.com

NEW OPENINGS MONARCH Kitchener | Topper Woods

A new phase of 43- and 50-ft. singles on traditional lots.

monarchgroup.net

s fo

REID’S HERITAGE HOMES Guelph | Alive

Now open – three- and four-bedroom freehold and condominium townhomes starting from the $300,000s.

reidsheritagehomes.com

REID’S HERITAGE HOMES Kitchener | Williamsburg Walk

NEW RELEASES REID’S HERITAGE HOMES Kitchener | The Oaks

New 56-suite condominium. Offering a great selection of floorplans that suit a variety of budgets and lifestyles in an established community.

reidsheritagehomes.com

REID’S HERITAGE HOMES Fergus | Westminster Highlands

Master-planned community in Fergus.

Choose from a variety of single-detached homes, bungalow, two-storey and executive townhomes, and midrise condos – close to amenities and trails.

reidsheritagehomes.com

FUSION HOMES Guelph | Blueberry Hill

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

fusionhomes.com

Now open – midrise urban condominiums starting from the low $200’s.

reidsheritagehomes.com

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New Hamburg

Elmira

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

De t.

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

BUILDERS

SITES

PRICES

Cambridge

REID'S HERITAGE HOMES

Aspen Heights

Collingwood

REID'S HERITAGE HOMES

Georgian Meadows

Collingwood

REID'S HERITAGE HOMES

Silver Glen Preserve

Fergus

REID'S HERITAGE HOMES

Westminster Highlands

Georgetown

MENKES

The Enclaves of Upper Canada

Guelph

REID'S HERITAGE HOMES

Village by the Arboretum

•

BC

Guelph

REID'S HERITAGE HOMES

Westminster Woods

•

BC

Guelph

TRICAR GROUP

River Mill Condominiums

•

Kincardine

REID'S HERITAGE HOMES

The Highlands at Hunter Ridge

•

•

BC

Kincardine

REID'S HERITAGE HOMES

Inverlyn Lake Estates

•

•

BC

Kitchener

BRANTHAVEN HOMES

Joy

Kitchener

BRANTHAVEN HOMES

Nestings

•

Kitchener

FUSION HOMES

Explorers Walk

Kitchener

COOK HOMES

Kitchener

•

BC

•

• •

BC

•

•

BC

•

•

BC

•

from high $500's

from mid $200's

33

64

•

from $270,200

13

•

from mid $400's

12

•

•

from low $200's

59

Explorers Walk

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•

from low $200's

59

NEW LIFESTYLE HOMES

Explorers Walk

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•

from low $200's

59

Kitchener

EASTFOREST HOMES

Four Winds

•

from $169,990

63

Kitchener

MATTAMY HOMES

Wildflowers

•

•

from $251,990

6

Kitchener

MONARCH

Topper Woods

•

from mid $400's

40&41

Kitchener

WILLIAMSBURG HOMES/

Eby Estates

•

from $345,400

58&BC

•

REID'S HERITAGE HOMES Kitchener

REID'S HERITAGE HOMES

The Oaks

•

Meaford

REID'S HERITAGE HOMES

Gates of Kent

Owen Sound

REID'S HERITAGE HOMES

The Residences of Cobble Beach

•

•

Port Elgin

REID'S HERITAGE HOMES

Summerside

•

•

Puslinch

REID'S HERITAGE HOMES

Heritage Lake Estates

•

Thornbury

REID'S HERITAGE HOMES

Lora Bay

•

Waterloo

COOK HOMES

The Village in Beechwood West

•

BC

•

BC BC

•

•

BC BC

•

• •

BC •

from $478,500

61

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

•

PAGE

Halton Hills / Wellington / Waterloo:

LOCATION

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BEAUTIFUL BACKYARDS FIT FOR YOUR PRINCESS ENJOY A BEAUTIFUL BACKYARD KINGDOM Eby Estates, an exceptional ENERGY STAR® community, offers delightful single-detached designs that combine architecturally distinct heritage houses with energy efficient products to produce pristine, environmentally friendly homes. Choose from 30’, 36’ and 40’ lots.

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Moving requires a paddle.

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TOWNHOMES FROM THE LOW $200s & SINGLES FROM THE MID $300s Move to a new home & get out. Join a new community on the Grand River in Kitchener. The perfect place to live and get out canoeing, kayaking, fishing and much more. Come discover homes conveniently located close to a 68-acre conservation area and major highways.

REGISTER EXPLORERSWALK.COM

Pricing does not include condo fees (where applicable), please see a Sales Associate for details. Some lots may carry premiums. All prices include H.S.T. Prices and features subject to change without notice E. & O. E.

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//THE TAX MAN

F GeorGe e. Dube,

CA, CPA, LLP, is a veteran real estate investor, author, and speaker on real estate accounting who is a partner in the firm, Dube & Cuttini Chartered Accountants LLP. He also developed the accountant in-a-box program for real estate investors, and is a member of the Real Estate Investment Network (REIN) Faculty. georgedube@dubecuttini.com

dubecuttini.com @dubecuttini.com 1.877.475.3823

TFSAs – take care with recontributions » by GeorGe e. Dube For real estate investors, the tax-free savings account (TFSA) represents an opportunity to begin to assemble a war chest for future investments, while investing the funds on a tax-free basis. But be aware of recontribution rules – A costly mistake that 72,000 Canadians made in 2010.

Generally speaking, your contribution room to a TFSA is set at $5,500 per year as of 2013, cumulative. So, after three years, you can contribute $16,500 to your TFSA in total, if you started in 2013. The beauty of the TFSA is you can take the funds out and recontribute the same amount without losing any contribution room.

In other words, you can take $4,000

out, recontribute the same and invest on a tax-free basis within the TFSA. A catch is that the recontribution must be done in the next calendar year. Otherwise, it’s treated as an overcontribution and penalized significantly.

For exAmple:

2009 – $5,000 (contribution) 2010 – $5,000 (contribution) <$3,000> (withdrawal) 2011 – $3,000 + $5,000 (contributions) During the summer of 2010, Canada Revenue Agency recognized that a huge number of Canadians, 72,000 to be exact, misunderstood the rules which were generally thought to be poorly described to begin with. CRA provided leniency in most cases. But don’t expect this leniency in the future.

60 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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Final Phase

R HE SC FI M LL

HA

We are 80% Sold Out!

AN .

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MODELS

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.W ST

7/8

Don’t Miss Out 8

401

61

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//make your move

Sort, downsize & organize now

for a stress-free summer move » by ChuCk ResniCk

ChuCk ResniCk is vice-president of marketing and operations, Two Men and a Truck Canada. twomenandatruck.ca

Spring is the season of new beginnings. But it can be hard to appreciate it if you’re stuck indoors trying to sift through the accumulation of winter clutter.

Fortunately there are some easy techniques to help you get a jump-start on spring cleaning. The following steps will help get your home organized and allow you to enjoy the new season, clutter-free: › Start By Sorting and organizing cloSetS. If there is limited closet space, consider storing winter clothing in the attic, basement or garage. Wardrobe boxes offer excellent space for hanging coats, sweaters and snow pants.

› Sort out itemS no longer uSed or worn. If it hasn’t been worn in more than a year, then it probably won’t be again. Set aside a couple of empty boxes for donations or items to sell. › uSe Sturdy BoxeS with

dividerS for packing BreakaBleS. Make sure cardboard

boxes are structurally sound. Dishpack boxes with adjustable inserts that form individual cells are a great option for fragile items.

› think green. Survey local recycling options to find the most convenient solution for recyclables. Organize recyclables by category: plastic, glass, aluminum, paper, cardboard, etc.

Sort out items no longer used or worn. If it hasn’t been worn in more than a year, then it probably won’t be again. Set aside a couple of empty boxes for donations or items to sell.

› care for hazardouS materialS. Be conscientious about the materials being disposed. Toxic items such as paint, batteries, house cleaning products, automobile oils, pesticides, and fertilizers are dangerous to transport and should not be thrown away with nontoxic garbage. These items should be taken to specialized depots. › concentrate on

diSinfecting SpaceS. Change

air filters, rotate mattresses and vacuum under furniture.

V c

16 51

Ble

ea

Prices

62 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

SWO 06-21-14.indd 62

C

6/19/14 1:30 PM

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SWO 06-21-14.indd 63

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BLACK AND WHITE

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FINAL LOGO: ACCEPTABLE FORMATS FOR USAGE River Mill Condominiums TRICAR Rivermill_Final_VARIATIONS.ai

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64

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CITY FOCUS//

WELCOME TO GUELPH

Rich heritage and culture combined with progressive economic and environmental development

GUELPH AT A GLANCE POPULATION

118,000

MAJOR EMPLOYERS

Health services, manufacturing, education sectors AVERAGE HOME PRICES

Nov. 2013: $344,084 Nov. 2012: $324,800 DISTANCE FROM TORONTO

70 kilometres, 45 minutes SOURCE: Canadian Real Estate Association,

other sources

W

aterfront parks, greenspaces and recreational facilities promise year-round fun for people of all ages. A downtown core, anchored by a majestic landmark and a long-established farmers’ market, is alive with activity. A diverse business sector and prominent Canadian university bode well for its continued growth. And with easy access to Hwy. 401 and other major roadways, it’s ideal for today’s on-the-go lifestyle.

Welcome to Guelph, Ont., a city established in 1827 by John Galt at the junction of the Eramosa and Speed Rivers that’s now home to 118,000 residents and counting.

Central to this family-friendly community is a delightful downtown where historic buildings such as The Church of Our Lady – circa 1888 and whose steeples are visible from many parts of the city – pleasantly mingle with an enticing array of shops, restaurants and services, from unique clothiers and spas to out-of-the-way bistros.

At the nearby River Run Centre, a magnificent performing arts venue set along the banks of the Speed River, residents enjoy world-class music, dance, comedy and live theatre. Many of these same residents reserve their Saturday mornings for a trip JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 65

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to the Guelph Farmers’ Market. A focal point of the downtown for more than 180 years, this year-round tradition has long been a go-to place for fresh fruit and vegetables, quality meats and cheese, baked goods and preserves and delicious food prepared by market vendors.

Also in downtown Guelph are the Sleeman Centre (home to the Ontario Hockey League’s Guelph Storm and local concert, family activity and sporting event hotspot), the Old Quebec Street Mall and the Guelph Civic Museum.

Outside the downtown core, many parks, trails and conservation areas offer a breath of fresh air while indoor facilities such as the Victoria Road Recreation Centre/Victor Davis Pool and the West End Community Centre boast arenas, gymnasiums and multi-purpose rooms. Guelph residents and their guests also enjoy a myriad of annual events, including the Guelph Spring Festival held every year at the end of May, The Guelph Jazz Festival, John Galt Day, The Guelph Contemporary Dance Festival, the Downtown 5 km Run, Art on the Street, Winterfest and The Guelph Film Festival.

Historical walking tours also take place every Sunday afternoon in the summer.

When they’re not at play, Guelphites are hard at work within several of the city’s stable economic sectors. These include research and development, manufacturing, agricultural operations, environmental management and technology as well as service.

Among the city’s largest employers are the University of Guelph (that includes internationally renowned institutions such as the Ontario College of Agriculture, the Ontario Veterinary College and The Aboretum, one of the largest and most comprehensive plant collections in Ontario), the hospital and health care centres and numerous large companies and manufacturers.

Other community attributes are Stone Road Mall, whose 150 stores and service represent the largest enclosed shopping centre in Guelph and Wellington County, an appealing array of golf courses, farming activities for the whole family and sporting opportunities for children and adults, alike. Guelph has also earned various honours including Canada’s Most Caring Community, one of the top 10 places to live in Canada for four out of five demographic categories and Canada’s safest city from Maclean’s Magazine, Richard Florida (the director of the Martin Prosperity Institute at the University of Toronto’s Rotman School of Management) and Statistics Canada, respectively.

66 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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A focal point of the downtown for more than 180 years, this year-round tradition has long been a go-to place for fresh fruit and vegetables, quality meats and cheese, baked goods and preserves and delicious food prepared by market vendors.

The city is also undergoing a major transformation of the downtown core and surrounding area courtesy Envision Guelph, the official plan for residential and commercial development, natural and heritage conservation, and the transportation and energy systems.

The city’s economic development department is also working on Prosperity 2020, a strategy to enhance

Guelph’s position as an excellent place to live, work and invest in, and to continue to grow the city’s talent base. New economic development programs are expected to emerge from this initiative.

Another recent initiative is the Guelph Innovation District, a partnership effort from the City and the province designed to support the local economy and create jobs. The district will meet employment and housing targets of Guelph’s growth management strategy and Ontario’s Growth Plan for the Greater Horseshoe by supporting economic activities and jobs with a focus on clean, Green economy and innovation. The city anticipates the district will accommodate 10,000 of the more than 32,000 new jobs projected for Guelph by 2031.

As with any growing community in Southwestern Ontario, a long-term vision for transit is a priority. The Transit Growth Strategy is intended to provide a roadmap for growth over the next 20 years, improving inter-city service and connections to GO Transit.

With a winning combination of rich heritage and culture, progressive economic and environmental development, it’s no surprise more home builders are setting up shop in Guelph. Tricar Goup (see Cover Story page 14) and Reid’s Heritage Homes are just two developers offering new product, ranging from highrise condominiums to single-detached homes to bungalows. A variety of other companies are active in neighbouring communities.

JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 67

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homebuyers’ help//

Homebuyers’ Resource Section You love the home, see what you can afford! » Compare mortgage rates for your best deal

» Calculate your mortgage payments using the mortgage payment calculation chart

e

JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 69

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oNtArIo’S MOST-READ NEW HOMES GROUP [ 3-WEEK ISSUE ]

CMYK

Note: Cover CheCklist x-Date changed x-colour changed x-coverline placed

Jun 21 - Jul 5, 2014 Volume 18 Issue 13

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REVERSE

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an iconic address takes root

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TRICAR

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LOGO VARIATIONS N/A August 2013

THE TRICAR GROUP IS EXCITED TO UNVEIL THEIR NEXT LUXURY CONDOMINIUM COMMUNITY

tricar.com

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THE INS & OUTS OF ASSIGNMENT SALES

INSIDE THIS ISSUE

INVESTOR ADVICE: WHAT RENTERS WANT IN A CONDO

STYLE FILE: SMALL KITCHEN, BIG PLANS

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WHY MORTGAGE RATES VARY BETWEEN LENDERS

MANAGING YOUR NEW HOME WARRANTY

ESTIMATING YOUR HOME INSURANCE PREMIUMS

MEN 24008 GTA New Homes Gatefold Cover June 2014.indd 2

INSIDE THIS ISSUE

IN THE HEART OF DOWNTOWN GUELPH.

WHY MORTGAGE RATES VARY BETWEEN LENDERS

MANAGING YOUR NEW HOME WARRANTY

COLOUR SPECS

Bembo Semibold

NOW SELLING CULTURE, ENVIRONMENT & ECONOMY IN GUELPH

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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 02 03

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

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

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 firsttime buyers take the 25-year amortization.)

05

06 07

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

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.

Multiply this figure by the amount you need to borrow.

Divide by 1,000. » 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 andget pre-qualified.

72 NEW HOME & CONDO GUIDE SWO | JUN 21 - JUL 5, 2014

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Mortgage payment calculation chart %

Interest rates

amortization periods

10 Years

15 Years

20 Years

25 Years

30 Years

3.00%

9.65

6.90

5.54

4.73

4.21

3.50%

9.88

7.14

5.79

4.99

4.48

3.25% 3.75%

9.76

9.99

4.00%

10.11

4.50%

10.34

4.25% 4.75%

5.00% 5.25%

5.50% 5.75%

6.00% 6.25%

6.50% 6.75%

7.00%

7.25%

7.50%

7.75%

10.23 10.46 10.58

7.38

6.04

5.26

7.63

6.30

5.53

7.50 7.75

7.88

6.55

11.19

11.31 11.43

8.40 8.53

8.66

8.80

11.56

8.93

11.81

9.21

11.68

9.07

7.84

12.45

12.58

9.48 9.76

9.90

10.05

12.84 13.10

13.24 13.37 13.50

13.64

13.77

10.33 10.63 10.77 10.92

11.06

11.22

11.36

11.52

6.85 7.00 7.16

5.04 5.19

5.34 5.49

5.64 5.79 5.95

6.11

6.26 6.42

6.59

6.75

7.63

7.25

8.59

7.95

8.74

7.47

7.79

8.12

8.86

8.28

9.20

8.62

9.52

8.95

9.05

9.36 9.68

9.12

9.46

10.32

9.80 10.15

10.98

12.28

11.31

7.76

7.93

8.45

9.63

11.97

7.59

8.78

10.16

10.49

7.42

8.10

9.29

10.00

7.08

8.45

9.84

14.32 14.59

6.70

4.90

8.28

10.65

12.13

6.40

4.76

6.91

11.66

14.46

6.10

4.61

7.32

14.04

11.82

5.96

4.34

7.99

8.44

14.18

12.75%

7.69

9.62

12.00% 12.50%

7.55

12.19

13.91

12.25%

7.41

8.14

11.50%

11.75%

7.12

9.34

10.48

11.25%

6.85

11.94

12.97

11.00%

5.67

5.82

7.26

11.07

9.75%

10.75%

6.57

6.25

10.19

10.50%

6.44

5.40

6.98

12.71

10.25%

6.17

8.27

8.14

9.25%

10.00%

5.13

10.94

10.82

12.32

9.50%

5.91

6.74

8.50% 9.00%

4.86

8.01

12.06

8.75%

7.26

5.66

10.70

8.00% 8.25%

7.02

9.97

8.28 8.63

8.80 8.98 9.16

9.34

9.52

9.70

9.88

10.81

10.32

10.06

11.15

10.67

10.43

10.49

10.85

10.25 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 JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 73

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Compare mortgage rates for your best deal CHARTERED BANKS

Variable

atB financial

2.7

alterna svgs/alterna Bk

2.6

Bank of montreal Bank of nova scotia

3 2.6

Canadian Western Bank Cff Bank CiBC

3

hsBC Bank Canada

2.55

iCiCi Bank Canada manulife Bank

3.05 2.7

national Bank

n/a

presidentâ&#x20AC;&#x2122;s Choice finan royal Bank

3 3

td Canada trust

3

tangerine

3

6 Months

1 Year

2 years

3 years

4 years

5 years

4 6.30op 4 6.30op 4 6.30op 4.55 6.45op 4 6.45op

2.94 6.30op 2.98 6.30op 3.14 6.30op 3.29 6.50op 3.14 6.30op 3.69 3.09 6.35op 2.7 6.35op 3.15 3 3.50op 3.14 6.70op

2.89 6.50op 2.98

2.99

3.04

3.29

2.98

2.94

3.14

3.04

3.85

4.39

3.29

2.97

3.44

2.89

3.09

3.04

3.75

4.39

4.99

3.75 2.79

2.69 3.75

3.79 2.97

3.24 4.99

3.95

2.93

3.09

3.19

3.65 3.05

3.64 3.1

3.69 3.14

3.89 3.19

3.04

3.75

2.95

3.39

3.04 3.04

3.59 3.75

3.69 4.54

4.09 4.94

3.04

3.44

2.77

2.99

3.24

3.49

3.69

3.79

3.25 3.04

3.95 3.44

4.74 3.94

4.99 4.79

3.6

3.7

4.6

4.95

2.89 3.14

2.79 3.75

2.94 4.64

3.04 4.99

2.97

3.44

2.89

3.09

3.1

3.33

3.65

3.99

3.25

3.29

2.99

3.09

2.59 3.14

2.79 3.29

2.77 2.89

3.09 3.04

2.99 3.14

2.99 3.75

3.39 4.64

3.39 4.99

2.75

2.95

2.85

2.95

3.95 3.14

4.35 3.65

4.89 2.95

5.14 3.19

3.05

3.15

3.25

3.4

2.8

2.9

2.95

3.1

6.70op 4.45 6.20op 4.45 4.4 6.70op 6.30op

3.14 6.30op 3.09 6.30op 3.19

TRUST COMPANIES Community trust Concentra financial

n/a n/a

effort trust

n/a

home trust Company investors group trust

2.5 n/a

mtCC

2.6

6.5 4 6.70op 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.14 6.30op 3.45 6.30op 2.89 3.14 6.30op 3.29 6.50op

OTHER FINANCIAL INSTITUTIONS airline financial C.u.

4

Comtech Credit union

2.95

first national fin. lp firstontario C.u.

2.6

iC savings london life

n/a

luminus financial

2.55

mCap meridian Credit union

2.6 2.6

parama Credit union

2.85

steinbach Credit union

2.5

6.2 6.40op 3.95 6.34op 4.2 6.50op

4

3.01 6.25op 2.99 6.30op 2.99 3.09 6.34op 3.05 3.14 6.30op 3.05 6.3 3.6 3.09 6.30op 2.85 3.00op 2.65

notes: **interest rate charged subject to adjustment during term mortgage. please consult institution for term of years available. all rates are prime rates and subject to change without notice. r.o.r. rates on reQuest op open ----- not Quoting n/a not aVailaBle June 16, 2014. prepared By fiscal agents financial information services 905.844.7700

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HOT DATES//

JUNE 21-22

JULY 2-5

National Aboriginal Day's Soaring Spirit Festival

Brantford International Villages Festival

GAGE PARK HAMILTON

Experience a two-day celebration with aboriginal education, aboriginal artists, live aboriginal music and more! facebook.com/pages/ National-Aboriginal-DaysSoaring-Spirit-Festival JUNE 21-22

Niagara New Vintage Festival

June 21 to July 5 Calendar of events beginning from June 21 to July 5, 2014

VARIOUS VENUES IN ST. CATHARINES AND NIAGARA Enjoy internationally acclaimed wines, fresh produce and local cuisine in a casual vineyard backdrop. ‘New Vintage’ Discovery Pass program featuring special events and tastings at Niagara wineries. niagarawinefestival.com

VARIOUS LOCATIONS BRANTFORD

The 41st Consecutive Annual Festival bringing “The World at Your Doorstep.”

Cultural entertainment including music, dancing, unique cuisine and displays of costumes and history. brantfordvillages.ca JULY 2-6

TD Sunfest

VICTORIA PARK LONDON Attracting almost 250,000 annual visitors from near and far, London’s TD Sunfest showcases more than 35 red-hot professional world music and jazz ensembles on five performance stages. sunfest.on.ca JULY 4-6

2014 Canadian Dragon Boat Championships

WELLAND INTERNATIONAL FLATWATER CENTRE ST. CATHARINES Most competitive, most exciting Dragon Boat Event in Canada featuring some of the best dragon boat crews in the world. dragonboat.ca

JUN 21 - JUL 5, 2014 | NEW HOME & CONDO GUIDE SWO 75

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Advertiser index BAYVIEW WELLINGTON: Victoria Village

4

MONARCH: Corporate

BAYVIEW WELLINGTON: Niagara-on-the-Green

5

MOUNTAINVIEW HOMES: Thundering Waters

BRANTHAVEN HOMES: Nestings/Joy

12 & 13

40 & 41 9

MULTI-AREA DEVELOPMENTS: Bloom

49

BUCCI HOMES: Bliss

31

NEW HORIZON HOMES: Waterfront Trails

30

CLAYSAM HOMES: Neighbourhoods of Devonshire

21

PHELPS HOMES: Multi-site

32

COOK HOMES: The Village in Beechwood West

61

REID’S HERITAGE: Corporate

BC

C

M

COUNTRYGREEN HOMES: The Uptowns of Waterdown

7

ROSEHAVEN HOMES: Corporate

37

Y

CM

DAWN VICTORIA HOMES: Evergreens

36

SENATOR HOMES: Havelock Corners

20

MY

CY

EASTFOREST HOMES: Four Winds

63

SIFTON PROPERTIES: Westwood Village

25

CMY

K

EMPIRE COMMUNITIES: Multi-site

2&3

FUSION HOMES: Explorers Walk GREAT GULF: Rolling Meadows/Edgewood

59 IBC

SOLMAR DEVELOPMENT CORP: Cannery Park

39

SPALLACCI GROUP: Eden Park

47

STARWARD HOMES: Country Ridge Estates/Heritage Pt.

43

HOMES BY DESANTIS: Lincoln Square

11

TD BANK

16

LAKEVIEW HOMES: Cannery Park

39

TILLSONBURG DEVELOPMENTS: Baldwin Place

23

LOSANI HOMES: The Woodlands/Ancaster Glen

77

TOWN OF TILLSONBURG

22

MATTAMY HOMES: Hawthorne Village

17

TRICAR GROUP: River Mill Condominiums

64

VRANCOR GROUP: 150 Main

51

WILLIAMSBURG HOMES: Eby Estates

58

MATTAMY HOMES: Wildflowers MENKES DEVELOPMENTS: Enclaves of Upper Canada

6 33

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ANC NHC 2014-06-17.pdf 1 06/17/2014 2:27:09 PM

C

M

Y

CM

MY

CY

CMY

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M T

//FUNDAMENTALLY SPEAKING

Mortgage essentials It’s a hot topic in a changing landscape, so learning as much as you can is time well spent

B B

» by WAYNE KARL

WAYNE KARL

is an award-winning writer and editor with experience in real estate and business.

In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property.

He can be reached at

wayne.karl@wall2wallmedia.com

or follow him on Twitter at Twitter.com/WayneKarl

Mortgage interest rates, still at historical lows and expected to remain so until later this year and maybe even into 2015, represent a window of opportunity for those looking to buy a home.

The Bank of Canada, in its latest rate announcement on June 4, once again held its influential overnight target rate at one per cent – where it has been since September 2010.

Indeed, the mortgage industry remains ultra-competitive, lenders often introduce new products and otherwise there are plenty of options for borrowers.

If you could lock in at a low rate over 10 years, for example, that gives you the comfort of knowing what your mortgage payments will be over that period, while over that time you can also take advantage of any pre-payment and lump-sum payment options to pay down your mortgage.

Another appeal of this scenario is that, as we often point out, experts advise you take a long-term view of your home purchase. For example, there has been some talk recently about cooling prices and softening sales. But even if that were to happen in your market and housing type, ask yourself: in 10 years, is a home you buy today likely to be worth more or less? If you need an answer to this question, just take a look back at prices 10 years ago. Of course, there are no guarantees, but if you’re in the homebuying mode anyway, today’s low rate environment makes a pretty compelling reason to act sooner than later to take advantage of these opportunities.

Low rates notwithstanding, the banks, financial fi rms, brokers and other experts still advise homebuyers to practice smart borrowing – everything from putting down a larger down

R R

Lo Lo

$3 $

payment to taking advantage of pre-payment options and even “stress-testing” your mortgage at a higher rate to ensure your finances can accommodate rate fluctuations or other unforeseen circumstances.

The mortgage market is a complex beast, and as a prospective homebuyer, these are not lessons you’re going to learn overnight – nor do you likely want to. You’re focused on saving a down payment, getting your finances in order, searching potential neighbourhoods, choosing a home and selecting interior finishings.

But just as important is to also spend as much time as necessary to find a broker or banker you trust and who knows their business. More so than in any other area of homebuying, you’re going to rely on the advice of this member of your team – now more than ever.

It will prove to be time well spent.

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Lo Lo

$3 $

• • •

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MOVE MOVE MOVEIN IN IN MOVE THIS THIS THISSUMMER! SUMMER! SUMMER! SUMMER!

Buy Buy Buy now now now and and and save save save atatNiagara’s atNiagara’s Niagara’s 22leading 2leading leading communities! communities! communities!

Buy now and save at Niagara’s 2 leading communities!

ROLLING ROLLING ROLLING MEADOWS, MEADOWS, MEADOWS, THOROLD THOROLD THOROLD EDGEWOOD, EDGEWOOD, EDGEWOOD, NIAGARA NIAGARA NIAGARA FALLS FALLS FALLS ROLLING MEADOWS, THOROLD EDGEWOOD, NIAGARA FALLS

LotLot 38Lot 38 • The 38 • The •Bartlett The Bartlett Bartlett • 2,810 • 2,810 • 2,810 sq.sq. ft.sq. on ft. on ft. a 42 on a 42 ft. a 42 lot ft. lot ft. lot Lot 38 • The Bartlett • 2,810 sq. ft. on a 42 ft. lot

LotLot 36Lot 36 • The 36 • The •Stamford The Stamford Stamford • 1,755 • 1,755 • 1,755 sq.sq. ft.sq. on ft. on ft. a 40 on a 40 ft. a 40 lot ft. lot ft. lot Lot 36 • The Stamford • 1,755 sq. ft. on a 40 ft. lot

LotLot 5 Lot •5The •5The •Queenston The Queenston Queenston • 2,810 • 2,810 • 2,810 sq.sq. ft.sq. on ft. on ft. a 42 on a 42 ft. a 42 lot ft. lot ft. lot Lot 5 • The Queenston • 2,810 sq. ft. on a 42 ft. lot

LotLot 8 Lot •8The •8The •Butler The Butler Butler • 2,195 • 2,195 • 2,195 sq.sq. ft.sq. on ft. on ft. a 40 on a 40 ft. a 40 lot ft. lot ft. lot Lot 8 • The Butler • 2,195 sq. ft. on a 40 ft. lot

990 990 990 370 370 370 990 370

990 990 990 326 326 326 990 326

Now Now Now $ 380 $ 380 $ 380 990 990 990 $$$ From From Now $ 380990 From From $

Now Now Now $ 336 $ 336 $ 336 990 990 990 $$$ From From Now $ 336990From From $

990 990 990 370 370 370 990 370

990 990 990 344 344 344 990 344

Now Now Now $ 380 $ 380 $ 380 990 990 990 $$$ From From Now $ 380990 From From $

Garner Rd.

Mon. - Wed. 2 - 7pm • Closed Thurs. & Fri.

Garner Rd. Rd. Garner

Sales Sales office Sales office hours: office hours: Sat. hours: Sat. & Sun. Sat. & Sun. 12pm & Sun. 12pm - 5pm 12pm - 5pm - 5pm Mon. Mon. -office Wed. Mon. - Wed. -2Wed. - 7pm 2 - Sat. 7pm 2•- Closed 7pm Closed • Closed Thurs.

Thurs.

Thurs.

Fri. & Fri. & Fri. Sales hours: &• Sun. 12pm -& 5pm

N

Thorold Stone Rd.

ROLLING ROLLING ROLLING MEADOWS MEADOWS MEADOWS ROLLING MEADOWS Lundy’s Lundy’s Lundy’s Ln. Ln. Ln. Thorold Townline Thorold Thorold Townline Townline Thorold Townline

SALES SALES OFFICE: OFFICE: SALES OFFICE: 1SALES Sunset 1 Sunset Way, Thorold Way, Thorold (905) (905) 680-0841 680-0841 1 Sunset Way, Thorold (905) 680-0841 OFFICE: 1 Sunset Way, Thorold (905) 680-0841

N N N Thorold Thorold Thorold Stone Stone Rd. Stone Rd. Rd. Garner Rd.

• Award • Award winning, winning, designer designer inspired inspired homes homes • Award winning, designer inspired homes Award winning, designer inspired homes • Just • minutes Just minutes from everything: from everything: shopping, shopping, • Just minutes from everything: shopping, schools, parks, parks, Hwy. 406 Hwy. and 406 more! and more! schools, parks, Hwy. 406 and more!

• schools, Just minutes from everything: shopping, schools, parks, Hwy. 406 and more!

Now Now Now $ 354 $ 354 $ 354 990 990 990 $$$ From From Now $ 354990From From $

Lundy’s Ln.

• An outstanding, • An outstanding, fully established fully established family family • An outstanding, fully established family community.

Walk to Walk parks, to established parks, schools schools andand shopping! and shopping!

Walk to parks, schools shopping!

• community.

Ancommunity. outstanding, fully family community.

Walk to parks, schools and shopping!

• Fabulous • Fabulous upgrades upgrades included! included!

• Fabulous upgrades included!

• Fabulous upgrades included!

SALES SALES OFFICE: OFFICE: SALES OFFICE: 9118 Forestview 9118 Forestview Blvd. , Blvd.

Niagara , Niagara Falls (905) Falls (905) 356-9408 356-9408 9118 Forestview Blvd. , Niagara Falls (905) 356-9408 SALES OFFICE: 9118 Forestview Blvd. , Niagara Falls (905) 356-9408

EDGEWOOD EDGEWOOD EDGEWOOD Prices Prices and Prices specifications and specifications and specifications subject subject to subject change to change towithout change without notice. without notice.

E.notice. & E. O.E. & E. O.E. & O.E. Illustrations Illustrations Illustrations are artist’s are artist’s areconcept. artist’s concept. concept.

All square All square Allfootages square footages footages are are are EDGEWOOD McLeod McLeod McLeod Rd. Rd. Rd. Prices and specifications subject to change without notice. E. & O.E. approximate. approximate. approximate.

Actual Actual usable Actual usable space usable space varies space varies from varies from stated from stated floor stated floor area. floor area.area.

Illustrations are artist’s concept. All square footages are McLeod Rd. approximate. Actual usable space varies from stated floor area.

GREATGULF.COM GREATGULF.COM GREATGULF.COM GREATGULF.COM

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Build with the best.

Reid’s Heritage Homes is recognized as an industry leader – named 2013 Ontario Home Builder of the Year, and honoured with many environmental, quality, customer service, and employee satisfaction awards.

All of this simply underlines the reality that when you choose a home in one of Reid’s Heritage Homes’ fine communities throughout Ontario, you are investing in the best: the best quality, the best reputation, the best team – the best for you and your family.

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

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