Southwestern Ontario New Home and Condo Guide - Jan 21, 2017

JAN 21 - FEB 4, 2017 VOLUME 20, ISSUE 1, FREE

SOUTHWESTERN ONTARIO EDITION

CONNECTING CANADIANS WITH REAL ESTATE SINCE 1997

INSIDE THIS ISSUE

HAMILTON – CANADA’S HOTTEST HOUSING MARKET

BABY BOOMERS: WHERE ARE WE ALL GOING TO LIVE?

BRRR… TIPS TO PROTECT YOUR HOME THIS WINTER

YOUR FUTURE BEGINS HERE SPRING 2017 Empire is preparing for upcoming releases at three unique communities in three great locations, coming spring 2017. Our beautiful new homes are designed to make everyday life richer, with enviable designs where smart space planning and innovation meet. Select the community that fits your life. Your future begins here.

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IMAGINE NIAGARA FALLS

Townhomes & Detached homes

AVALON CALEDONIA

Townhomes & Detached homes

WYNDFIELD BRANTFORD

Detached homes

contents JAN 21 - FEB 4, 2017 | VOLUME 20 ISSUE 1

VICE-PRESIDENT & CHIEF PUBLISHING OFFICER

Caroline Andrews PUBLISHER & GENERAL MANAGER

Shawn Woodford DIRECTOR OF SALES, NATIONAL

Moe Lalani ASSOCIATE PUBLISHER

Anne-Marie Breen SENIOR MANAGER, CONTENT

Jennifer Reynolds EDITOR

Wayne Karl ART DIRECTOR

Daiana Garay CONTRIBUTING EDITORS

Sonia Bell Elisa Krovblit Lydia McNutt

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SENIOR ACCOUNT EXECUTIVE

Nina Downs nina.downs@ypnexthome.ca SENIOR ACCOUNT EXECUTIVE

ON THE COVER

12

Dionne Fraser dionne.fraser@ypnexthome.ca

Celebrating 20 years

SALES CO-ORDINATOR

Revisiting how the world – and housing industry – looked in 1997

Sarah Khan MANAGER OF PRODUCTION

Helen Pearce

property profiles

advice

CO-ORDINATOR

26

28 CHBA

GRAPHIC DESIGNER

Mattamy Homes

Topper Woods in Kitchener is coming soon

trending

14

40 Tarion Report

Tip to maintain your home during the cold winter months

Losani Homes

Losani Family Foundation wins top international industry honours

20 GTHA Mayors

Ontario premier needs to work with the municipalities to ‘get it right’

32

Baby Boomers: Where are we all going to live?

Housing Market

Canada’s hottest housing market is...

Oakville

Livable and prosperous

inspiration

36 38

Design Secrets

Four questions to ask your mortgage broker

45 Fundamentally Speaking

Joanne Keenan Jeffrey Reed

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

ADVERTISING Call 416.626.4200 for advertising

buyers’ resource section

15

Hot Properties Kitchener-Waterloo & London

New releases and grand openings

21 43

Hot Properties Hamilton

New releases and grand openings

Mortgage Rates

in every issue

Designer Advice

10

Editor’s Note

44 Advertiser Index 46 What’s Online

6 YPNEXTHOME.CA

CONTRIBUTING WRITERS

When Hazel speaks...

Area carpets – let’s lay it all out there Seven essential home trends for 2017

Miguel Cea

42 Mortgage Advice

city focus

34

Hannah Yarkony

rates and information Office hours are Mon-Thurs. 9-5; Fri. 9-12 CIRCULATION Free distribution. Published biweekly from Sept.-Nov. & from Feb.-June and monthly in June, July & Dec. TERMS Advertisers, Editorials and New Home & Condo Guide are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. EDITORIAL Submissions from interested parties will be considered. Please submit to the address above, to the attention of the Editor.

COPYRIGHT 2017 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. Yellow Pages Next Home is a trademark of Yellow Pages Group Co. in Canada.

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Editor’s Note

Policy change still zero chance?

AT THE BUILDING INDUSTRY AND LAND DEVELOPMENT ASSOCIATION (BILD) 2017 Economic Outlook Conference

WAYNE KARL Senior Editor Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl

late last year, CIBC World Markets Deputy Chief Economist Benjamin Tal gave the audience some rather stark insight.

With Ontario home prices continuing to skyrocket, affordability was the topic of the day. Tal pinned the cause of the problem squarely on the provincial government.

“The number one reason for house price inflation in the GTA is supply – which is all about government policy.”

Nothing radically new there.

What he said next was surprising. “And there is ‘zero chance’ of that policy changing.”

Not exactly the most comforting message to builder associations and members, who have been lobbying government to if not change the policy than to at least be open to better understanding its full implications.

These groups now have a new and potentially powerful ally – former Mississauga mayor Hazel McCallion. As our coverage on page 20 and 45 discusses, not just McCallion but also city mayors and regional chairs in the Greater Toronto and Hamilton Area are ringing the alarm bells.

Time will tell if it all amount to something greater than “zero chance.”

ONLINE

SEE MORE PHOTOS ONLINE

OAKVILLE MAY BE historically known for the famous Ford

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Trending

cover story

As New Home Guide celebrates 20 years…

We revisit how the world – and housing industry – looked in 1997

By Wayne Karl

HOW MUCH HAS CANADA and the

housing market in the Southwestern Ontario changed in the last 20 years?

You might not believe it.

Well, you might if you’ve been following the more recent economic and housing market growth in some of SWO’s key areas.

For starters, home prices in Canada averaged just $150,899 in 1997, and $142,267 in HamiltonBurlington. As of the end of 2016, the Canadian average price sat at $558,153; in Hamilton-Burlington $535,520, with it forecast to grow to 12 YPNEXTHOME.CA

$594,427 this year.

Indeed, the Hamilton-Burlington district is quietly becoming Canada’s hottest housing market. Yes, Hamilton-Burlington district – not Vancouver or Toronto.

Hamilton-Burlington led all of Canada in price growth in 2016, at 20 per cent), and is forecast to do so again, though with lower growth at 11 per cent, according to ReMax Canada. Neighbouring Southwestern Ontario market Kitchener-Waterloo is expected to be right up there, at eight per cent.

AVERAGE HOME PRICES Hamilton-Burlington 2017 (forecast): $594,427, up 11% 2016: $535,520, up 20% 2015: $446,961 Kitchener-Waterloo 2017 (forecast): $413,313, up 8% 2016: $382,697, up 10% 2015: $348,220 London 2017 (forecast): $295,179, up 5% 2016: $278,471, up 5% 2015: $264,435

“The HamiltonBurlington district is quietly becoming Canada’s hottest housing market.

Yes, HamiltonBurlington district – not Vancouver or Toronto.”

Both areas are benefiting from transportation upgrades and strong consumer confidence.

Combine this growth with similar developments in other SWO markets such as Oakville, Milton, Guelph, Cambridge and even London, and you can see these areas have come a long way over these last 20 years. And given expanding local economies and infrastructure, the next 20 could be just as prosperous.

CANADA, SOUTHWESTERN ONTARIO AND THE WORLD IN 1997

Average home prices Canada $150,899 Hamilton-Burlington $142,267 Mortgage rates Five-year fixed average 7.14 Prime rate 8.25 Price of gas, Ontario 56.1 a litre Unemployment rate Canada 9.1 Ontario 8.4 Canadian dollar US $0.72 Population Canada 29.99 million Ontario 10.7 million Prime Minister of Canada Jean Chretien Premier of Ontario Mike Harris

Notable births in Canada Jan. 13 Connor McDavid, NHL player Notable deaths in Canada Jan. 1 Hagood Hardy, composer, pianist and vibraphonist Feb. 4 Peter McCain, president of McCain Foods Ltd. April 6 Jack Kent Cooke, sports entrepreneur June 22 Larry Grossman, politician Dec. 24 Pierre Péladeau, businessman Canadian music Junos Celine Dion wins Best Female Vocalist Bryan Adams wins Best Male Vocalist The Tragically Hip wins Group of the Year Shania Twain wins Best Country Female Vocalist The Tragically Hip wins Best Album for Trouble at the Henhouse Alanis Morissette wins Single of the Year for Ironic Grammys Celine Dion wins Grammy for Album of the Year for Falling into You Oscar Peterson receives a Grammy for lifetime achievement Canadian Literature Mordecai Richler wins Giller Prize for Canadian Fiction for Barney’s Version World Events » Feb. 5 O. J. Simpson found liable in civil suit » Feb. 7 Lennox Lewis becomes heavyweight boxing champion. » March 11 Ralph Klein’s PCs win an eighth consecutive majority in Alberta » March 15 Gilles Duceppe elected leader of the Bloc Québécois » March 24 69th Academy Awards hosted by Billy Crystal, The English Patient (based on book by Canadian author Michael Ondaatje) named Best Picture » April 18 Red River of the North floods Grand Forks, ND and East Grand Forks, Minn., causing US$2 billion in damage » April 22 Red River in Manitoba floods, leading to a state of emergency

» May 31 13-km Confederation Bridge, the world’s longest bridge spanning ice-covered waters, opens between Prince Edward Island and New Brunswick » June 13 A jury sentences Timothy McVeigh to death for his part in the 1995 Oklahoma City bombing. » June 26 Bloomsbury Publishing publishes J. K. Rowling’s Harry Potter and the Philosopher’s Stone in London, the first in the series » July 1 United Kingdom hands sovereignty of Hong Kong to the People’s Republic of China. » July 4 NASA’s Pathfinder space probe lands on the surface of Mars » July 9 Plastics fire at Plastimet recycling facility in Hamilton burns for four days, releasing dioxin and other toxic chemicals into the air and water » July 17 F. W. Woolworth Company closes after 117 years in business » July 17 Microsoft buys a $150-million share of financially troubled Apple Computer » July 17 Controversial animated sitcom South Park debuts on Comedy Central » Aug. 31 Diana, Princess of Wales dies in a car accident in Paris » Sept. 6 Funeral of Diana, Princess of Wales, takes place at Westminster Abbey, watched by more than two billion people worldwide » Oct. 7 Out-of-court settlement reached between Brian Mulroney and the federal government regarding the Airbus affair » Oct. 24 Toyota Prius, the first hybrid vehicle to go into full production, is unveiled in Japan » Oct. 26 Jacques Villeneuve becomes first Canadian to become World Drivers Champion (Formula One) » Nov. 17 Hibernia oil project off the coast of Newfoundland pumps its first barrel of oil » Dec. 11 Kyoto Protocol is adopted by a United Nations committee » Dec. 19 James Cameron’s Titanic, the highest-grossing film of all time until Avatar (2009), premiers

JAN 21 - FEB 4, 2017 | NEW HOME & CONDO GUIDE SWO 13

Trending

The Losani team in Ecuador.

From right to left, Fred Losani, CEO; Lino Losani, president; and Davide DiDonato, COO.

Losani Family Foundation wins top international industry honours LOSANI HOMES OF STONEY CREEK, ONT. and its Losani Family Foundation

were recently honoured with the 2017 Gold Award for Building Community Spirit by the National Association of Home Builders (NAHB), National Sales and Marketing Council.

The Building Community Spirit Award is awarded to a buildersupported non-profit program 14 YPNEXTHOME.CA

or charity and is judged based on originality, concept and execution of the project or program. The Nationals new home sales and marketing awards salutes and honours the best in the building industry for their determination, integrity, creativity and endurance.

“We thank our entire team, as well as our trades and associates for this

honour,” the company says. “This is a huge honour.”

Losani Homes, based in Stoney Creek, Ont. has been building new homes in Hamilton, Stoney Creek, Ancaster, Binbrook, Grimsby, Beamsville, Kitchener, Collingwood and Winona since 1976.

For more information, visit losanihomes.com

Hot Properties

Find your next home! This page features a few of the latest properties to keep your eye on in Southwestern Ontario. Find more properties at ypnexthome.ca

LATEST LISTINGS

LONDON

Housing type: Single-family homes at Hamilton Road & Commissioners Road East. stonecresthomes.ca

BAYFIELD • BLYTH • CLINTON GRAND BEND • INGERSOLL • LONDON MITCHELL • SEAFORTH • SHAKESPEARE ST.THOMAS • STRATFORD • TAVISTOCK TILLSONBURG • WINGHAM • WOODSTOCK

new openings

pre-registration

CASTLE ROCK PLACE

140 CALEDONIA By: The Tricar Group City: Stratford Housing type: Four-storey boutique style condominiums from the high $200’s. tricar.com

VICTORIA ON THE RIVER By: Stonecrest Homes City: London

HALTON HILLS WELLINGTON WATERLOO ALMA • AYR • CAMBRIDGE • ELORA FERGUS • GEORGETOWN • GUELPH KITCHENER • ROCKWOOD • WATERLOO

pre-registration

By: Rembrandt Homes City: London Location: 3444 Singleton Ave., off Southdale Housing type: Two-storey and mulit-level condominium townhomes from $231,990. rembrandt-homes.ca

new releases HAVELOCK CORNERS By: Senator Homes City: Woodstock Housing type: New release of 42- and 50-ft. singles from the low $400’s senatorhomes.com

BALDWIN PLACE FOX FIELD By: Fusion Homes City: London Location: Fanshawe Park Road West and Foxwood Avenue

By: Tillsonburg Developments City: Tillsonburg Housing type: Single-detached freehold bungalows from $244,500. baldwinplace.ca

WILDFLOWERS

VICTORIA COMMON

By: Mattamy Homes City: Kitchener Housing type: Townhomes and 30and 36-ft. detached homes. mattamyhomes.com

By: Losani Homes City: Kitchener Housing type: Final release of modern townhomes from the $300’s losanihomes.com

ISHERWOOD AVENUE CONDOS

ROSEMOUNT SEMIS

By: Activa Group City: Cambridge Location: 25 Isherwood Avenue Housing type: Condo community activagroup.ca

CLAIR MEADOWS By: Gatto Homes City: Guelph Housing type: Townhomes and singledetached homes gattohomesinc.com

Housing type: Single-family homes from $482,900 fusionhomes.com

new openings

WESTWOOD MEWS

THE ENCLAVES OF UPPER CANADA

By: CountryGreen Homes City: Kitchener Housing type: Urban townhomes up to 1,365 sq. ft. countrygreenhomes.com

By: Menkes City: Georgetown Housing type: New release of 40-ft. lots from the low $800’s menkes.ca

By: CountryGreen Homes City: Kitchener Housing type: Semi-detached homes in the heart of Kitchener from $349,900 countrygreenhomes.com

CLAIRITY By: Reid’s Heritage Homes City: Guelph Housing type: One- and two-bedroom condominiums from the mid $200’s reidsheritagehomes.com

Builders If you would like to include your preview registration, new release or site opening in this feature, just email the details to wayne.karl@ypnexthome.ca

JAN 21 - FEB 4, 2017 | NEW HOME & CONDO GUIDE SWO 15

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Elmira

ypnexthome.ca Plattsville

Stratford

Baden

Breslau

Acton

STRATFORD, WOODSTOCK, INGERSOLL, TILLSONBURG, ST. THOMAS, STRATHROY, MILTON, GEORGETOWN, ROCKWOOD, GUELPH, FERGUS, ELORA, ALMA, CAMBRIDGE, KITCHENER, WATERLOO, AYR

London / Halton Hills / Wellington / Waterloo:

SEARCH ONLINE Toronto

BUILDERS

SITES

PRICES

Ilderton

SIFTON

Timberwalk

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Innisfil

BW HOMES

Alcona Shores

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Kitchener

LOSANI HOMES

Victoria Common

Kitchener

MATTAMY HOMES

Topper Woods

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London

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Tillsonburg

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from mid $300's

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BC

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from mid $300's

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from mid $300's

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from $269,500

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from $290,000

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STRATFORD, WOODSTOCK, INGERSOLL, TILLSONBURG, ST. THOMAS, STRATHROY, MILTON, GEORGETOWN, ROCKWOOD, GUELPH, FERGUS, ELORA, ALMA, CAMBRIDGE, KITCHENER, WATERLOO, AYR

LOCATION

London / Halton Hills / Wellington / Waterloo:

D et .

Se m Bu i ng a To low w C nh on om Ad do e ul tL ife st yle

ADVERTISER'S MAPPING INDEX

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Trending

Ontario premier needs to work with the municipalities to ‘get it right’: GTHA mayors THERE IS AN OVERWHELMING

consensus among the Greater Toronto and Hamilton Area (GTHA) mayors and chairs that the province is going “too far too fast” with proposed land use policies for the Golden Horseshoe.

Former Mississauga Mayor Hazel McCallion has submitted a report to Premier Kathleen Wynne based on the recent GTHA Mayors and Chairs Summit on the Province’s Proposed Growth Plan for the Greater Golden Horseshoe and Greenbelt Plan. While the municipalities they represent are very different, McCallion says the mayors and chairs spoke almost with one voice on a broad range of issues.

“One thing that was made very clear by the mayors and chairs is that the province’s proposed amendments to the Growth and Greenbelt Plans are too much too fast, with an unrealistic one size fits all approach. Growth has and will continue to come to the GTHA and accommodating it will be an expensive undertaking, so it is important that the province listen to the different municipalities on how to get it right,” says McCallion, who is credited with building the City of Mississauga.

The renowned former mayor is now the ex-officio advisor to the premier on issues within the GTHA. The 28-page report details the GTHA mayors and 20 YPNEXTHOME.CA

chairs’ concerns and recommendations with regard to the land use plans, which form the policy framework for managing growth, building complete communities, curbing sprawl and protecting the natural environment in the Golden Horseshoe. The challenge is how to accomplish all of those goals, while accommodating an anticipated increase in population in the GTHA of four million people over the next 25 years.

Specific areas of concern include: the proposed increase in the intensification rate and density target, the lack of financial planning and consideration for economic impacts, the lack of alignment with transportation and other infrastructure plans, the lack of a transition plan to accommodate municipal planning work already underway, and the lack of a clear process to address adjustments, removals and additions to the Greenbelt.

“Intensification requires infrastructure and service capacity, or having the necessary funds to build it. Lands in the Greenbelt with infrastructure must be reviewed so that the millions of dollars of infrastructure investments made by municipalities and the province don’t get wasted,” says McCallion.

“And, we need to be sure all lands

that should be protected, be added to the Greenbelt.”

McCallion says the growing lack of affordability in the GTHA is of concern and will have a domino effect, negatively impacting the GTHA’s ability to attract economic growth and thus its financial capacity to support needed transit and infrastructure improvements.

“The government of Ontario cannot be seen to be contributing to onerous financial burdens on the GTHA municipalities and taxpayers, or to the overall lack of affordability and livability in the GTHA by imposing hurried and ill thought out policies,” says McCallion. “The province needs to slow down and get the details right on how we’re going to implement new policies and accommodate the inevitable growth.”

McCallion says premier Wynne has demonstrated a genuine interest in hearing from the mayors and chairs, and the recommendations in her report can go a long way to making the Growth and Greenbelt Plans stronger, more viable, more affordable and more effective.

McCallion says she hopes the province will work with the municipalities and implement the report’s recommendations before the plans are finalized.

Hot Properties

Find your next home! This page features a few of the latest properties to keep your eye on in Southwestern Ontario. Find more properties at ypnexthome.ca

LATEST LISTINGS

HAMILTON HALTON NIAGARA ANCASTER • BEAMSVILLE • BINBROOK • BRANT • BRANTFORD • BURLINGTONCATHARINES • GRIMSBY • HAMILTON • MILTON • NIAGARA • OAKVILLE • PARIS PORT DOVER • ST. CATHARINES • STONEY CREEK • VINELAND THE GATSBY

pre-registration MERRITTON COMMONS By: Phelps Homes City: St. Catharines Housing type: Attached bungalows and bungalow towns phelpshomes.com

SCENIC TRAILS By: Starward Homes City: Hamilton Housing type: Condominiums from the mid $200’s scenictrails.ca

VISTA RIDGE By: Losani Homes City: Beamsville Housing type: Singles from the $400’s myvistaridge.ca

ALCONA SHORES By: Bayview-Wellington Homes City: Innisfil Housing type: Luxury singles on 32-, 40- and 48-ft. lots myalcona.com

THE WEST By: Adi Developments Location: Burlington Housing type: Luxury boutique condos from the $190’s adidevelopments.com

PARADIGM By: Molinaro Group City: Burlington Housing type: Condo suites in midtown Burlington paradigmcondos.ca

CENTRAL PARK By: Losani Homes City: Hamilton Mountain Housing type: Townhomes from low $300’s mycentralpark.ca

SAPPHIRE

By: New Horizon City: Hamilton Housing type: Condos from the low $200’s gatsbycondos.ca

By: New Horizon City: Stoney Creek Housing type: Waterfront condominiums from $199,999 sapphirecondos.ca

WOODWAY TRAILS

FALLINGWATERS

By: Eastforest Homes City: Simcoe Housing type: Singles from $329,400 and semis from $224,900 eastforesthomes.com

By: Losani Homes City: Hamilton Mountain Housing type: Two- and threestorey towns from the $400’s losanifallingwaters.com

STEPPING STONES

TIFFANY HILL

By: Phelps Homes City: Smithville Housing type: Two-storey townhomes phelpshomes.com

SIMPLY GRAND By: Losani Homes City: Paris Housing type: Townhomes from from the $300’s simplygrandtowns.com

SUMMERLEA WOODS By: Empire Communities City: Binbrook Housing type: Townhomes from the mid $300’s and detached homes from the low $400’s summerleawoods.com

LIFE By: Branthaven Homes City: Winona Housing type: Townhomes from the $400’s branthaven.com

EXPLORE By: Branthaven Homes & Ballantry Homes City: Hamilton Housing type: Townhomes exploretowns.com

AQUAZUL By: Homes by DeSantis City: Grimsby Housing type: Waterfront condos from the high $200’s aquazulcondo.ca

By: Rosehaven Homes, Homes

by DeSantis & CDI Homes City: Ancaster Housing type: Detached homes and freehold townhomes tiffanyhill.ca

PASSAGES ON THE CANAL By: Bayview-Wellington Homes City: Welland Housing type: Luxury freehold townhomes on the Canal mypassages.ca

AVALON By: Empire Communities City: Caledonia Housing type: Townhomes from $239,990 and detached homes from the mid $300’s empireavalon.com

THE WOODLANDS ANCASTER By: Losani Homes City: Ancaster Housing type: Singles on forest court lots from the $500’s woodlandsancaster.com

PURE By: Branthaven Homes City: Milton Housing type: Two-storey freehold townhomes branthaven.com

LAKE HOUSE By: Branthaven Homes Location: Grimsby Housing type: Waterfront townhomes and condos lakehouselife.ca

THE BERKELEY CONDOMINIUMS By: Carriage Gate Homes City: Burlington Housing type: 154-unit condo carriagegatehomes.com

new openings AFFINITY CONDOMINIUMS By: Rosehaven Homes Location: Aldershot, Burlington Housing type: Condos from the low $300’s affinitycondo.com

HE PRESERVE By: Mattamy Homes City: Oakville Housing type: Executive condo townhomes from the mid $800’s mattamyhomes.com

STATIONWEST By: Adi Developments Location: Burlington Housing type: Three-storey townhomes at Aldershot Go Station adidevelopments.com

ELEMENTS By: Mountainview Homes City: St. Catharines Housing type: Luxury one- and two-bedroom luxury condos elementscondo.com

Builders If you would like to include your preview registration, new release or site opening in this feature, just email the details to wayne.karl@ypnexthome.ca

JAN 21 - FEB 4, 2017 | NEW HOME & CONDO GUIDE SWO 21

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ypnexthome.ca

Paris

Port Dover

Simcoe

Binbrook

Grimsby

Georgetown

Caledon

Smithville

Welland

Fonthill

Thorold

Ridgeway

Stevensville

Chippawa

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

Halton / Hamilton / Wentworth / Niagara:

SEARCH ONLINE Fort Erie

BUILDERS

SITES

Ancaster

LOSANI HOMES

Astoria Grand

Ancaster

LOSANI HOMES

The Woodlands Ancaster

•

Beamsville

LOSANI HOMES

Vista Ridge

Brantford

EMPIRE

Caledonia

Grimsby

Grimsby

PRICES

•

PAGE

from $300's

7

•

from high $700's

7

•

•

from $400's

7

Wyndfield

•

•

EMPIRE

Avalon

•

BRANTHAVEN HOMES

Lake House

•

from $400's

Aquazul

•

from low $200's

HOMES BY DESANTIS ADVERTISERS

2&3

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11

Hamilton

BRANTHAVEN HOMES

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from $300's

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Madison at Central Park

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from low $300's

7

Hamilton

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Fallingwaters

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from high $400's

7

Hamilton

STARWARD HOMES

Scenic Trails

from mid $200's

29

Lincoln

LOSANI HOMES

Lincoln Estates

Niagara

BW HOMES

Passages on the Canal

Niagara Falls

EMPIRE

Imagine

Paris

LOSANI HOMES

Paris

•

•

from $400's

24&25

7

•

5

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•

2&3

Simply Grand Encore

•

•

from $300's

7

LOSANI HOMES

The Peninsula

•

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from $300's

7

St Catharines

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Elements

from mid $200's

9

West Niagara

PHELPS HOMES

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•

Winona

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Life

•

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31

from $400's

24&25

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

LOCATION

Halton / Hamilton / Wentworth / Niagara:

D et Se . m Bu i n To gal w ow C nh o o Ad ndo me ul tL ife st yle

ADVERTISER'S MAPPING INDEX

23

24 YPNEXTHOME.CA

25

Property Profile | MATTAMY HOMES

Coming soon…

Topper Woods in Kitchener

by Mattamy Homes MATTAMY HOMES HAS RECENTLY ANNOUNCED

more community growth is coming to its existing Topper Woods community in Kitchener.

Connecting residents to all the modern, everyday essentials, this community still maintains the natural calm of the surrounding landscape.

Topper Woods is a welcoming place. A place for energetic, modern families to get out to walk or cycle along the many paths and plentiful parks and ponds you’ll find here. A place where an extensive variety of home designs create fresh streetscapes with real character.

As an evolution of the original community, residents of Topper Woods will be joining a neighbourhood where children already play 26 YPNEXTHOME.CA

together and attend nearby schools together. Where homeowners can comfortably walk to pick up a loaf of bread, and linger to chat with a friend.

From parades to festivals to street fairs, the local life in Kitchener is always inviting. You’ll also find countless opportunities for recreation, from golf in summer to skiing in winter. And with a vibrant high-tech employment scene, plus two major universities here, you can be assured bigger and better is still to come.

Naturally, Mattamy’s thoughtful design approach means their homes are designed to always be cheerful

Location

Kitchener Builder

Mattamy Homes Development

Topper Woods Home Type

Detached homes and townhomes Contact

mattamyhomes.com

and inviting. Whether a townhome or a detached home, these thoughtfully designed open concept homes maximize the feeling of spaciousness, and are designed for how people will actually use the space. The use of large, bright windows throughout the homes, flood rooms with genuine warmth and natural sunlight.

Mattamy has an impressive history of building highly sought after homes across the GTA. Nearby, their popular communities of Wildflowers in Kitchener and Upper Country Club and Mill Pond down the road in Cambridge, showcase the style and innovation in home and community design Mattamy has become known

for. Mattamy has built more than 70,000 homes in hundreds of communities throughout Canada and the United States, earning the company the honour of being North America’s largest privately owned home builder. Mattamy has never lost sight of how it has achieved success. It is based on one objective – create homes and communities people love to live in.

Mattamy’s exclusive Architect’s Choice Options gives homeowners real personal choice in designing their home to suit specific needs and wants by giving purchasers the opportunity to make pre-approved structural changes to their home before construction even begins. Additionally, Mattamy’s extraordinary Design Studio offers a magnificent array of finishes and features that let homeowners create a home that better reflects their personal tastes.

Known for their attention to superior customer service, Mattamy thoughtfully assigns everyone their own design studio Consultant to provide expert guidance through the wealth of options in colours, textures and styles.

Mattamy’s Topper Woods community will open soon. To be a part of this established desirable neighbourhood, please register today at mattamyhomes.com JAN 21 - FEB 4, 2017 | NEW HOME & CONDO GUIDE SWO 27

Advice | CHBA

Baby Boomers: Where are we all going to live?

By Bob Finnigan

MORE ADVICE ONLINE ypnexthome.ca/news/advice

JUST AS BUILDERS and developers

ask where our young people and the continual influx of immigrants will live, we also ask where Baby Boomers will find homes that accommodate their needs as they age.

Baby Boomers represent the largest demographic movement

28 YPNEXTHOME.CA

in Canada’s history. This massive segment of the population includes people born between 1946 and 1965, making them between 50 to 71 years old. According to Statistics Canada, in 2014-15, the growth rate of the population aged 65 and older was four times that of the total population.

As they retire or prepare for retirement, Baby Boomers begin to look at their future housing needs and many realize that these needs are, and will be, changing.

The progression is a natural one.

Younger people starting families need larger homes as the family grows.

Conversely, many baby boomers with empty nests tend to seek more

compact living quarters, as well as maintenance-free lifestyles. They are tired of the shoveling, mowing and other routine maintenance, and they would like to be able to unlock and enjoy some of the considerable equity they have in their current homes when they downsize. The opportunity to cash in on this level of equity power simply didn’t exist a decade or two ago.

A condominium can be the answer for some, but many cannot envision moving from a single-family home into a 750 to 1,000-sq.-ft. highrise condo with limited parking. If they want a larger suite (not readily available in today’s newer buildings), it …continued on page 30

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means considering older residences, many of which are in urgent need of repair and do not have modern features or amenities.

Because of soaring real estate prices and the scarcity of new ground-orientated housing, especially single-family homes (Baby Boomers are not looking for multi-storey townhomes), there are very few options in the GTA. As a result, they look farther out in the smaller towns and cities where these options do exist, and there is still excellent access to shopping, entertainment, recreation and healthcare.

To the east and west along Hwy. 401 and to the north along Hwy. 400 and the Niagara area – all within two hours of the GTA – homes are much more affordable, and there is product 30 YPNEXTHOME.CA

available that better suits Baby Boomers. Smaller, ground-orientated housing of various types, both condo and freehold, offer modern designs and amenities, many with singlefloor living with the master bedroom on the main floor. Some plans even have additional bedrooms in a loft for visiting family or friends. It may mean living farther away from children and grandchildren, and of course, that always has to be factored into the choice of location.

We see people in their 60s, 70s and even in their 50s taking this step so they can lead the lifestyle they want.

They are thinking ahead and banking the equity they have. Many go back to being single-income couples before retirement or semi-retirement, and when they want big city life or

have business to do, they can travel to Toronto and stay in a hotel for a couple nights.

The point is that looking at your lifestyle and the stage in life you are at, and planning ahead for your next move can be a very fulfilling and pleasant experience. Take the time to understand your choices and the places you might want to move. Visit them more than once, whether a condo or a property just out of town, and make the best decision for you.

Bob Finnigan is Principal and COO Acquisitions & Housing at Herity, and is President of the Canadian Home Builders’ Association.

No One Knows West Niagara Better

PHELPSHOMES.COM

Trending

Canada’s hottest housing market is…

By Wayne Karl

CANADA’S HOTTEST HOUSING market

is… Hamilton, Ont. Yes, the HamiltonBurlington district – not Vancouver or Toronto. But let’s come back to that.

Prospective homebuyers throughout Canada, if ReMax’s forecast for 2017 is any indication, you’re about to get a break on home prices.

Finally. Even would-be buyers in Vancouver and Toronto – heretofore Canada’s most piping hot housing markets.

After achieving strong price growth – hitting record levels in some markets – over the last couple years, gains are expected to slow in 2017, creaking open a window of opportunity for those looking to buy a home.

ReMax expects the average home price in Canada to increase two per cent in 2017, according to the realty firm’s 2017 Housing Market Outlook Report.

“Strong demand in Canada’s urban centres is expected to continue throughout next year and into the foreseeable future, as almost half of Canadians plan to buy a home in the next five to 10 years,” says Christopher Alexander, regional director, ReMax Integra OntarioAtlantic Canada Region.

Vancouver and Toronto still garner much of the attention for price growth. High demand and low supply continued to characterize housing markets in these cities throughout 2016, as competition from buyers for limited inventory of single-family homes pushed prices higher.

The average residential sale price increased 13 per cent in Greater Vancouver to $1.02 million, and 17 32 YPNEXTHOME.CA

per cent in the GTA to $725,857. Although demand remains high in both urban centres, limited inventory in the freehold market, the new-15 per-cent foreign buyer tax in Vancouver and the recent tightening of mortgage rules by the federal government are expected to soften market activity in the short term. In 2017, ReMax estimates average residential sale prices will increase by two and eight per cent in Vancouver and the GTA, respectively.

Window of opportunity This slowing growth provides prospective buyers in these two markets a window of opportunity.

“There will certainly be opportunity for first-time buyers in both markets,” Elton Ash, regional executive vice-president, ReMax of Western Canada, told New Home Guide. “The challenge will be in the higher qualification rates for high-ratio mortgages. Once first-time buyers, in essence, reset their affordability expectations, they will see price advantages in buying in 2017.”

Regional markets in proximity to Canada’s highest-price cities continue to experience steady interest from local move-up buyers and buyers from these cities (so-called “move-over” buyers), who are looking to find a balance between affordability and square footage. The top markets for year-over-year price increases in 2016 were Hamilton-Burlington (20 per cent), Fraser Valley, BC (20 per cent), Barrie, Ont. (16 per cent) and Kelowna, BC (14 per cent).

As for major centres forecast to show the strongest price growth in 2017, Hamilton-Burlington will lead the country at 11 per cent, followed by Kitchener-Waterloo at eight per cent.

“Both areas will benefit from transportation upgrades and strong consumer confidence,” says Ash. “Tech sector growth due to the cheap Canadian dollar is positive for Waterloo, as well.”

The ripple effect of the foreign buyer tax in Vancouver can be felt in the upper end of the GTA and Montreal markets, as some foreign investors are expected to look for properties in these regions rather than Vancouver. New, tighter mortgage insurance criteria for new home buyers is expected to temper local first-time buyer activity across the country in the short term, but is not expected to have a long-term impact in most regions.

Alberta on the rebound Out west, the housing markets in Calgary and Edmonton remained relatively stable in 2016, with moderate declines in the number of sales and average residential sale price as a result of the prolonged recovery of the oil sector over the past two years. The average residential sale price in Edmonton decreased by two per cent year-over-year, while Calgary’s average residential sale price decreased by four per cent. Buyer activity is expected to pick up slightly in the second half of 2017 if employment opportunities in the oil sector continue to gradually come back to the province. The recent approval of the Trans Mountain pipeline is also expected to provide a boost to the provincial economy and help keep housing markets relatively stable in next year.

Average Residential Sale Price 2013-2016 and 2017 Outlook 2017 (forecast $)

2017 (forecast %)

2016 (estimate)

2015

2015/2016 % change

2014

2013

$590,450

1.60%

$580,961

$518,153

12%

$507,212

$476,568

$1,040,706

2.00%

$1,020,300

$902,801

13%

$812,652

$767,765

Fraser Valley

$655,500

-5.00%

$690,000

$577,507

20%

$498,703

n/a

Kelowna

$513,642

4.00%

$493,887

$435,074

14%

$424,145

$397,000

Calgary

$402,335

0.00%

$402,335

$417,328

-4%

$484,790

$456,000

Edmonton

$364,000

0.00%

$364,000

$372,511

-2%

$367,038

$351,000

Saskatoon

$351,032

0.00%

$351,032

$355,653

-1%

$361,031

$338,309

Regina

$318,785

0.00%

$318,785

$319,857

0%

$329,379

$320,430

Winnipeg

$297,155

3.00%

$288,500

$281,022

3%

$289,538

$274,373

Windsor-Essex

$237,791

5.00%

$226,468

$201,115

13%

$192,124

$183,518

London-St. Thomas

$295,179

6.00%

$278,471

$264,435

5%

$254,141

$245,737

Sudbury

$261,937

2.00%

$256,801

$250,593

2%

$255,371

$250,518

Kitchener-Waterloo

$413,313

8.00%

$382,697

$348,220

10%

$339,412

$336,325

Hamilton-Burlington

$594,427

11.00%

535,520

$446,961

20%

$388,487

$383,840

Victoria Greater Vancouver

Barrie

$425,730

4.00%

$409,356

$351,554

16%

$319,612

$308,200

Greater Toronto Area

$783,926

8.00%

$725,857

$622,217

17%

$566,626

$522,963

Kingston

$311,712

2.00%

$305,600

$298,000

3%

$287,291

$287,567

Ottawa

$378,359

2.00%

$370,940

$367,632

1%

$362,868

$353,881

Greater Montreal

$368,160

6.00%

$347,321

$337,263

3%

$331,057

$321,059

Quebec City

$259,793

-2.00%

$265,095

$265,204

0%

$264,589

$267,294

Saint John

$182,006

2.50%

$177,567

$175,152

1%

$178,440

$179,351

Halifax-Dartmouth

$292,235

1.50%

$287,916

$278,117

4%

$273,917

$274,153

Charlottetown

$240,250

4.00%

$231,010

$219,460

5%

$219,867

$203,722

St. John’s

$279,356

0.00%

$279,356

$296,812

-6%

$306,405

$301,000

“Alberta will experience a flat market in 2017,” Ash says. “There is light at the end of the tunnel as we get into Q3 and Q4, as oil prices are expected to increase. (Two-thousand and 18) will likely be the rebound year for Alberta.”

In Ottawa, market conditions were fairly balanced in 2016, with twoper-cent growth in average price.

“We see that continuing in 2017, with a one-per-cent increase in average price. All segments of the market

MORE TRENDING ONLINE ypnexthome.ca/news

are performing well, with condos sales increasing by 1.9 per cent in 2016, and continuing the trend in 2017. The upper end of the market has also been performing well and will continue to do so.”

Though price growth may be pausing, younger Canadians are still looking to creative ways to realize their dream of homeownership, according to the report. Thirty-three per cent would consider purchasing a home with a family member; 22 per cent would rent out a room in their home; 15 per cent would consider renting out a room via rental apps such as Airbnb; and nine per cent would purchase a home with a roommate.

JAN 21 - FEB 4, 2017 | NEW HOME & CONDO GUIDE SWO 33

City Focus | OAKVILLE

OAKVILLE OAKVILLE MAY BE historically known

for the famous Ford plant, oil refineries along the lakeshore and up-market homes, shops and restaurants.

These days, Oakville may still show some of those classic characteristics, but it is increasingly earning a reputation as a city on the rise with a self-sufficient, driving economy.

Blessed with a strong natural location along of the shores of Lake Ontario, with easy access to major Canadian cities as well as those in the U.S. via the QEW and rail lines, Oakville now shines in business as well as culture, recreation and leisure.

Located toward the southwestern end of Lake Ontario, Oakville helps comprise one of the largest consumer and industrial markets in Canada.

This geography and proximity to large industries and communities in Hamilton, the GTA and the US borders, plus a strong transportation infrastructure, are central to the prosperity that Oakville has enjoyed in recent years.

With a vision to become “the 34 YPNEXTHOME.CA

Livable & prosperous

most livable town in Canada,” the Town of Oakville is intent on building a robust economy with potential for future growth, and the local economic development authority has a comprehensive plan to capitalize on traditional strengths.

Oakville Town Council, in fact, recently won an Economic Developers Council of Ontario (EDCO) award in the category of Redevelopment Initiatives, for its leadership in developing the Bronte Business Action Plan. The Bronte Business Action Plan, led by the town’s Economic Development department, was initiated to further Bronte’s economic development and urban revitalization.

The plan is using the Four Pillars of the Main Street approach – Organization, Marketing, Physical Design and Economic Development – to achieve the goal of economic development and urban revitalization. The Bronte BIA will implement the action plan through to 2016.

“This award recognizes that great things can be achieved when we work

together to create Canada’s most livable town,” says Mayor Rob Burton.

Home to the Ford Motor Co. of Canada plant and Canadian headquarters since 1953, Oakville has enjoyed economic diversification in recent years.

A strong and diversified economic base offers an excellent location for both new and expanding businesses.

More than 260 national and international corporate headquarters constitute an important part of the 4,500 employers in the town.

Oakville’s top 100 employers by industry include companies from the automotive, manufacturing, pharmaceutical, professional service and construction industries.

Companies here have access to a high quality local work force, with 56 per cent of residents holding a post-secondary education – about 12 per cent higher than the provincial average. While manufacturing industries account for 15 per cent of employment, managerial, business and administrative categories make up 36

per cent of occupations.

Sheridan College operates a new Applied Research and Collaboration Centre, for use by the faculty, students and external partners specifically involved in research projects administered through Sheridan’s office of Applied Research and Innovation.

A number of new businesses have also made their way to Oakville, bringing hundreds of new jobs and absorbing more than 410,000 sq. ft. of commercial and industrial facilities.

An historic town with a thriving waterfront, Oakville has preserved its rich heritage, with many 19th Century buildings in the downtown core. Downtown also boasts one of two local harbours on Lake Ontario, featuring more than 1,000 slips and moorings for sail and powerboats. Bronte is the location of Oakville’s second harbour, and has an abundance of fine shops and restaurants.

Supporting all this development is a strong and further improving transportation infrastructure. Prime location at the centre of major transportation routes – the QEW and Hwys. 403 and 407 – facilitates access to major markets in Canada and the US. The network includes toll and toll-free expressways, commuter and urban public transit, by rail and bus, national and international rail service for people and goods, global passenger and cargo aviation services,

and extensive inland and international marine shipping facilities.

Developers see the growth potential in Oakville, and a number of projects are underway from companies such as Rosehaven Homes, Mattamy Homes, Branthaven Homes, Minto Communities, New Horizon Homes and Menkes Developments.

Oakville also boasts abundant natural attractions and culture, with more than 2,400 acres of parkland, theatres and galleries, Glen Abbey Golf Club, and the annual Waterfront Festival and Jazz Festival.

Local culture received a major boost in 2012 with the grand opening of the new Queen Elizabeth Park Community and Cultural Centre (QEPCCC). The facility offers more than 144,000 sq. ft. of active living space, making it one of the largest venues in Canada to house such a diverse collection of recreation, arts and cultural opportunities. It offers classes, workshops, camps, drop-in activities and events for all ages and abilities. The facility boasts an aquatics centre, two gymnasia, a youth centre, an older adult centre, dance studios, a recording studio, fine arts studios, a rehearsal hall, black box theatre, gallery and museum space.

“This new facility symbolizes our goal to be the most livable town in Canada, and its opening clearly demonstrates our continued progress towards that goal,” says Burton.

Neighbourhood Profile OLD OAKVILLE Located just 30 minutes west of Toronto, Old Oakville rests on the shores of Lake Ontario, embracing all the advantages that come with being a part of a waterfront community. Quiet and safe, Old Oakville combines nature and city life.

Lifestyle Old Oakville prides itself on being a bit exclusive and offering a higher standard of living that makes residents feel special.

The goods and services offered can range from unique to luxury.

Vibe Arts, culture, festivals and events catered to the kiddies, there is always something fun to take part in as a community. Real estate to cater specific needs, from trendy, one-of-a-kind dwellings, heritage homes, lowrise condos and rentals above storefronts, the downtown character is one of class and convenience.

Meet the neighbours Residents of the downtown area are predominately well established and settled older professionals who may prefer a slower pace while still enjoying convenience. Younger residents like the downtown feel of a community without the big city bustle.

In the area Residents in this community are in the market for something a little high end.

Lakeshore Road is a hub for designer stores with not-so-little prices where shoppers can find one of a kind luxury items. If you are looking for a night out for dinner, expect to pay above average prices, but experience something special in the meantime.

Planes, trains & automobiles For residents living downtown, the QEW is your best bet for traveling east or west. The bus system is very user friendly, with the depot located at the GO train station just off of Trafalgar at Cornwall, conveniently located for access downtown, and for commuters to Toronto. A new multi-level parking garage at the GO station accommodates commuters and residents traveling in and out of Oakville for work.

The good, the bad & the rest With access to a hospital and major schools, downtown is great for families.

At the corner of Lakeshore and Navy Street, you will find the Oakville Public Library, offering stunning views of the marina and harbour. Lakeshore Road West winds its way from the downtown core through to Bronte area, and in between is home to the area’s largest park, Coronation Park, which hosts the Waterfront Festival every June.

JAN 21 - FEB 4, 2017 | NEW HOME & CONDO GUIDE SWO 35

Inspiration | DESIGN SECRETS

LET’S LAY IT ALL OUT THERE

By Jane Lockhart

Start with a neutral

When you think about decorating your home, you probably think first about wall colour, furniture and accessories. What goes on the floor is probably the last thing you consider, but it’s an important surface and one that can tie all the decorative elements together.

Whether you prefer wood flooring, wallto-wall broadloom or tile throughout your rooms, it will provide a great neutral background for an area rug. Add one on top of almost any surface (with care) to provide another layer of colour, texture, comfort and style. It can tie a room together or separate out different zones in one space.

Right size Usually, I’m a fair and reasonable 36 YPNEXTHOME.CA

person who likes to work with people and their design ideas, but there is one thing that makes me put my foot down – area carpets that are too small. This is one design feature where bigger is always better. A puny area carpet makes a whole room look small, especially if it’s not connected to any furnishings. Don’t settle for a four-by-six-ft. rug when you need eight-by-10 ft. or bigger.

All the furniture should be on top of the carpet, with room to spare.

Local building centres offer area carpets, but in limited sizes and styles.

Consider visiting a local carpet retailer or specialty store where you can see and feel the choices, ask questions and select the right size.

Calm your space down If your room already has lots of pattern and you want to add a calming element underfoot, consider broadloom. It’s generally a long run of one pattern, texture and colour created on a broad loom in wide widths and used for wall-to-wall applications. But because of its versatility, such as choice of colours, textures and patterns, it can be custom-cut to fit your space and the edges bound to prevent fraying. The binding can also be custom selected to go with your personal decor.

Add an artistic touch When you want to make a statement with your area carpet, the choices are virtually endless. Today, you can go into many carpet stores and work with a textile specialist to have a oneof-a-kind piece made especially for your space.

As design technology advances, so do your choices, especially with area carpets. Along with a vast array of beautiful floor coverings, companies like Weavers Art (weaversart.com) carry lines that are like fine art on your floor.

Quality matters With area carpets, you will always get what you pay for. Man-made synthetic carpets such as polyester, nylon and olefin (also called polypropylene) are less expensive but may only last up to five years.

Although the colours will last, the fibres may not feel as soft to the touch, will show wear quickly and may not hold up well to foot traffic.

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

Natural fibres such as hand-knotted wool and silk from the east set the standard for carpets throughout the centuries. The search for new, renewable fibres continues, as companies such as Elte (elte.com) recently introduced organic, natural fibres such as banana and bamboo silk into their carpet collections.

Wool can seem like expensive choice, but it is practical because it’s a renewable, natural resource,

it’s environmentally friendly, absorbs sound, is water repellent and retains its appearance for years. Companies such as Speers Road Broadloom (speersroadbroadloom.com) have developed a hardwearing wool carpet that is offered at a terrific value.

Whether it’s a long-term investment, an artistic statement or a warm and cosy solution underfoot, choose wisely.

Jane Lockhart is founder and principal designer of Jane Lockhart Interior Design. She was creative director and host of W Network’s top-ranked show, Colour Confidential, and has a Canadian-built furniture collection, Jane by Jane Lockhart, by Statum Designs. Visit online at janelockhart.com

JAN 21 - FEB 4, 2017 | NEW HOME & CONDO GUIDE SWO 37

Inspiration | DESIGNER ADVICE

7 essential home trends

FOR 2017

By Yanic Simard

LEFT:

Rose by J&V Digital for Newwall / newwall.com ABOVE:

IT SEEMS DESIGN TRENDS change every year, but most of us don’t completely change our decor quite that often. For this reason, it’s important to spend wisely, and avoid flashin-the-pan fads that may leave you with buyer’s remorse.

With that in mind, I put together a different kind of 2017 forecast: seven essential home trends that I’m confident will last for years to come, along with ways to apply them to your space today. Let’s make 2017 the year of no design regrets!

Vertical horizons » Your walls can be home to unique art – or they can be the art themselves. More and more people are boldly bringing drama to their vertical surfaces, with oversized paintings and prints, statement-making wall coverings, or both. » TRENDS TO TRY: Explore local art events (such as emerging-artist expos) to find wall-filling canvases – the scale can actually make a room look larger. Apply a lively patterned wallpaper to add incredible personality, such as 38 YPNEXTHOME.CA

an oversized floral, or try a sumptuous grasscloth for rich texture that says “classic haute couture.”

Quartz composure » For decades the de-facto countertop was a slab of granite. Designers have long preferred quartz for its beauty and durability, and more and more home-renovators are catching on. It’s nonporous, but has the character of stone, with near infinite colour options. » TREND TO TRY: Splurge on a particularly covetable quartz variety like an agate style for the kitchen island, and trade-off a budget-friendly option for the main counters – a little contrast can be beautiful.

Jewel energies » Vivid-but-sophisticated jewel tones: they perfectly offset demure neutrals, brighter hues (like last year’s sky blues and bright pinks), or both, so they can and will be infused into nearly any decor scheme. » TRENDS TO TRY: Add small glass or velvet accessories

PHOTOGRAPHY: (TOP LEFT) VALERIE WILCOX. LIVING ROOM (TOP RIGHT) DESIGNED BY TORONTO INTERIOR DESIGN GROUP

Quartz Countertop – Concetto 8311 Gray Agate by Caesarstone

in amethyst or emerald to refresh your palette without a big investment.

Paint a deep hue like Benjamin Moore’s Colour of the Year 2117-30 Shadow to make a room feel cosy.

Life alfresco » Bringing the outdoors inside is big, in more ways than one. There’s a continuing trend toward introducing plant/animal motifs through prints, art and live greenery. Don’t worry about the “it” style of the day, and just enjoy a lush pattern that makes you feel happy. » TRENDS TO TRY: Use “alfresco” cafe-inspired fabrics – think forest or jungle – for upholstery and drapery, to bring the joy of patio dining inside.

Pot an indoor tree like an exotic ficus to add a luxe, fresh atmosphere to any space. Look to Patone’s 2017 colour of the year “Greenery” for accent inspiration.

» TRENDS TO TRY: Use throws, pillows, or sculptures collected on your life’s travels to bring diverse cultures to your space. Mix bohemian twists like broken-in vintage furniture with crisp black modernist pieces to balance old and new. Consider small details, like the placement of a cabinet knob – in design, details make all the difference!

shades mix well, or stand on their own, and they never go truly out of style, making them essential for 2017 and years to come. » TRENDS TO TRY: Mix aquatic blues and blue-greens with whites and pale woods to create a fresh, beachy vibe.

Skip super-safe grey and use navy instead to subtly enrich any palette.

Want to see more ways to tackle trends timelessly? View the Toronto Interior Design Group portfolio at tidg.ca, and find me on Twitter and Instagram via @yanicsimard.

Aquatic age » Blue is truly timeless – it’s the most popular favourite colour – but it also might be bigger than ever. Blue

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

Earth harvest » It’s not just fabric motifs that people are drawing from the earth, but rugged textures too. Tactile materials like cork, terra cotta, sisal, burnished gold as well as dark moody varieties of stone and wood are all being brought into homes to give a sense of weight and depth. » TRENDS TO TRY: Splurge on a dark marble to add masculine appeal to table tops or a luxe vanity. Use interesting flooring like cork or terra cotta, or reconsider wall-to-wall broadloom (trust me, it’s back). Try crisp “tuxedo” cabinets, with handsome wood contrasted against lighter tones.

Benjamin Moore’s 2017 Colour of the Year: Shadow

Bohemian adventures » As times goes on, homeowners are less and less interested in strict “rules” and severe minimalism, instead embracing a more personal and adventurous style, celebrating a bohemian flair and worldly collections.

Celebrity Designer Yanic Simard is New Condo Guide’s design editor, principal designer of award-winning, boutique firm Toronto Interior Design Group (tidg.ca), and regular design expert on City’s Cityline. @yanicsimard

JAN 21 - FEB 4, 2017 | NEW HOME & CONDO GUIDE SWO 39

Advice | TARION REPORT

Tip to maintain your home during the cold winter months

By Howard Bogach

MORE ADVICE ONLINE ypnexthome.ca/news/advice

ONTARIO WINTERS CAN BE A

particularly hard on a home. There’s no doubt that winter wind, snow and ice can batter the exterior of your new home, but they can also impact the inside of the house.

Your new home is not exempt from needing regular maintenance – especially from a harsh winter – so be sure to take some important maintenance steps to help protect your investment.

All new homes in Ontario come with a builders’ warranty that lasts up to seven years from the date of possession. That warranty is guaranteed

by Tarion. However, without regular, year-round maintenance, normal wear and tear on your home can cause damage that may not be covered by your warranty.

What kind of maintenance needs to be done in winter?

One issue is fluctuating temperatures. This can sometimes lead to a build-up of roof ice, as well as potentially dangerous icicles. This happens when the roof surface is warm enough to melt the snow, but the surrounding air temperature is cold enough to re-freeze it.

Areas to watch are roof valleys, dormers, skylights and roof overhangs. A regular cycle of freezing and thawing can eventually lead to water penetration inside the home. That’s why it’s a good idea to clear your roof of snow and ice.

Another important maintenance task is to make sure all air intakes, 40 YPNEXTHOME.CA

exhausts and meters are clear of snow.

Clean the gutters and wash out all debris to prevent obstructions. And, turn off and drain all exterior hoses and pipes.

Today’s new energy-efficient homes are built to better seal out the elements. But they can also trap excessive amounts of moisture inside the home if not managed and vented properly. If ignored, this moisture could cause considerable damage to your new home and even create unhealthy indoor air quality.

Be sure that bathroom fans, kitchen range hoods and ventilators, such as heat recovery ventilators – items that are specifically installed in your new home – are in good working order to help you control excess moisture.

One way to check to see if you

have a healthy indoor environment is to use a hygrometer, which measures humidity. The recommended range during the winter is 30- to 45-percent humidity.

Other indoor maintenance during the winter months should include: cleaning or replacing your furnace filter on a regular basis; cleaning the heat recovery ventilator and washing or replacing the filter; and regularly checking all caulking and weather stripping around windows and doors.

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.

Model Home Photo Compliments of Treasure Hill | www.treasurehill.com

DISCOVER LIVING

JANUARY 2017

Treasure Hill is consistently raising the bar, building one award-winning development after another. Accolades in Markham, pictured here, showcases Treasure Hill’s appealing architecture and contemporary interiors.

Treasure Hill has been featured as “Model HOME Of The Month” as seen in the New Home Guide model home calendar

Advice | MORTGAGE ADVICE

4 questions to ask your mortgage broker

By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

BEFORE SEARCHING FOR A HOME, you

should get a mortgage pre-approval.

Getting one is a great start but it won’t guarantee you’ll get the best mortgage rates.

To ensure you’re getting the lowest mortgage rate, you should use a mortgage broker. A broker shops your application around to a variety of lenders before picking one with the lowest rate and the best terms.

However, finding a broker is similar to finding a real estate agent. You want the best but how do you know who’s right for you?

HERE ARE SOME QUESTIONS TO ASK:

1. How long have you been a broker?

If you’re a newcomer or a first-time homebuyer, you want someone with a lot of experience in the industry.

Someone with years of experience will recommend the best product for your situation instead of a standard five-year fixed mortgage. If a shorterterm mortgage is better for you, you’ll want a broker who will recognize what’s ideal for your circumstances.

2. How many lenders do you work with?

If you get a mortgage from your financial institution, you’ll only have one lender to choose from. However, brokers work with a number of lenders, which allows them to pick the lender who works best for your situation.

Although brokers work with many lenders, they tend to do the majority 42 YPNEXTHOME.CA

of their business with just a few of them. That gives them the ability to get lower rates and volume discounts that are passed on directly to you.

Brokers can provide you with a list of the lenders they work with, including the ones they use the most.

3. What’s the application process?

As we move away from face-to-face communications, you should use a broker whose communication style is similar to yours. Do they prefer to communicate over the phone, in person or through email? Do they accept electronic signatures or want you to come in to sign documents?

Your broker should take you through the steps to ensure the mortgage is suitable for you and explain anything you don’t understand. The way they communicate this to you should be in a way that you’re most comfortable with so the whole mortgage application process runs smoothly.

4. How are you paid?

You don’t have to pay mortgage

brokers for their services, but keep in mind they don’t work for free.

They’re paid by the lender who takes on your mortgage and the broker’s commission is usually between 0.5 and 1.2 per cent of the mortgage amount. Also, if the mortgage term is longer, they get paid a higher commission. Your broker should explain how they’re paid.

THE BOTTOM LINE

When you’ve found a mortgage broker you like, you can start the mortgage application process. Once you’ve been pre-approved, compare the mortgage rate quote you receive with the best rates. If it’s different, ask why. Your mortgage broker should be able to tell you why you do or don’t qualify for the lowest rate. If you’ve chosen the right broker, their answer should be clear.

Alyssa Furtado is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS ATB Financial Alterna Bank Bank of Montreal Bank of Nova Scotia

variable 2.5 4.10op 2.6 6.30op 2.6 2.9

Canadian Western Bank CIBC

6 months

1 year

2 years

3 years

4 years

5 years

4.1 4.10op 4 6.30op

3.04 4.10op 2.79

2.39

2.64

2.69

2.89

2.74

2.59

2.84

2.84

3.09 6.95op 3.29 6.50op 3.14 6.30op 2.84 6.35op 3.14 3.14 6.35op 2.64 3 3.20op 3.14

3.19

3.59

4.09

2.89

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.79

2.74

4.09

4.79

3.04 2.15

3.65 3.39

4.39 4.09

4.64 2.35

2.64 2.94

2.64 2.84

3.19 2.94

3.29 2.99

3.04

3.39

2.79

2.94

2.79 2.49

3.34 2.74

3.99 2.84

4.44 2.99

2.84

3.44

2.69

2.94

3.24

3.49

3.69

3.79

3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op

3.25 3.5

3.95 3.7

4.39 4.3

4.64 4.35

2.14 3.09

2.34 3.39

2.59 3.89

2.79 2.45

3.09

3.39

3.89

4.49

4

2.79

2.74

2.59

2.84

2.84

6.30op

6.30op 2.89

2.95

2.99

2.89

6.95op 4.55 6.45op 4 6.45op

2.7 6.95op

Equitable Bank HSBC Bank Canada

2.35

ICICI Bank Canada Manulife Bank

2.75 2.7

National Bank President’s Choice Finan Royal Bank

n/a 6.70op 2.7 2.7

4.45 6.20op 4.45 4.4 6.70op

7.00op TD Canada Trust

2.6

Tangerine

2.7

2.99 7.00op 3.04 4.00op 3.19

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Investors Group Trust

2.35 n/a

MTCC

2.9

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

OTHER FINANCIAL INSTITUTIONS Alterna Savings Comtech Fire C.U.

2.6 2.6

First National Fin. LP IC Savings

2.7

Luminus Financial

6.2

2.84

6.40op

6.30op

3.1

2.64

2.64

2.64

2.84

2.94

4.25

2.89

2.79

2.89

2.95

2.89

6.50op

6.50op 3.2

3.65

4

4.5

2.79

2.64

3.89

2.54

3.04

2.84

2.89

3.39

3.74

2.8

2.85

2.95

3.05

3.15

2.39

2.49

2.59

2.69

3.25

3.25 6.25op

Meridian Credit Union

2.4

2.84 6.30op

PACE Savings & C.U. Parama Credit Union

5.05 2.65

2.95op Steinbach Credit Union

2.25

2.39

ONLINE CALCULATOR ypnexthome.ca/mortgage-calculator 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 January 16, 2017. Prepared By http://www.FiscalAgents.com/mortgage/rates

JAN 21 - FEB 4, 2017 | NEW HOME & CONDO GUIDE SWO 43

Ad Index

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Bayview Wellington - Alcona

4

Mountainview Homes - Elements

9

Bayview Wellington - Passages on the Canal

5

Phelps Homes - Stepping Stones

31

Reid’s Heritage Homes - Williamsburg Walk

BC

Sifton Properties - Corporate

19

Starward Homes - Scenic Trails

29

Tillsonburg Developments - Baldwin Place

18

Branthaven Homes - Life

Empire Communities - Multi-Site

Homes by DeSantis - AquaZul

Losani Homes - Madison at Central Park

Mattamy Homes - Topper Woods

44 YPNEXTHOME.CA

24 & 25

2&3

11

7

47

Advice | FUNDAMENTALLY SPEAKING

When Hazel speaks…

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WHEN HAZEL MCCALLION RAN the City of Mississauga, Ont. from 1978 to 2014, and she spoke, people generally listened.

You don’t get to become Canada’s longest-serving mayor, credited with largely building an entire city, without carrying a little weight.

Now, in a different though equally important capacity, as ex-officio advisor to Ontario Premier Kathleen Wynne, she’s speaking out on the province’s Proposed Growth Plan for the Greater Golden Horseshoe and Greenbelt Plan.

Add to her voice that of the mayors of Markham, Richmond Hill, Whitby, Milton, Hamilton and other cities, and that of the chairs of the Peel, York and Durham regions, and you have a thundering chorus ringing throughout the Greater Toronto and Hamilton Area (GTHA) that Wynne cannot possibly ignore.

At issue is the province’s proposed land use policies for the Golden Horseshoe. As our story on page 20 discusses, there is overwhelming consensus among the GTHA leaders that the province is going “too far, too fast” with its intensification policies.

The result, or at least among the most notable for homebuyers, is ill-planned development with the end product being seriously eroding housing affordability.

McCallion says the growing lack of affordability in the GTHA is of concern and will have a domino effect, negatively impacting the GTHA’s ability to attract economic growth and thus its financial capacity to support needed transit and

infrastructure improvements.

“Intensification requires infrastructure and service capacity, or having the necessary funds to build it,” says McCallion. “Lands in the Greenbelt with infrastructure must be reviewed so that the millions of dollars of infrastructure investments made by municipalities and the province don’t get wasted.”

Following a summit last September, the GTHA mayors and chairs recently produced a 28-page report detailing their concerns and recommendations for managing growth, building complete communities, curbing sprawl and protecting the natural environment in the Golden Horseshoe. The central challenge is how to accomplish these goals, while accommodating an anticipated increase in population of four million people over the next 25 years.

Among the highlights: » Transportation Master Plans and servicing infrastructure mapping and considerations are incomplete and insufficient to support the proposed density target and intensification number. » A lack of consideration to the financial and economic

implications of the proposed growth plans for municipalities and regions, and how the plans will be financed. » Lack of an open and transparent review process with clear criteria to review Greenbelt lands and boundary adjustments.

The Building Industry and Land Development Association (BILD) has been relaying similar messages and concerns for years.

“With its proposed changes to the Growth Plan and Greenbelt Plans, it’s clear the government of Ontario is not concerned about the price of housing in the GTA,” says BILD President Bryan Tuckey.

Finally, there is now another large, important voice.

Let’s see if Wynne is listening. If not, Ontario voters and rate payers may be the next ones to chime in.

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics you need to examine when buying property. He can be reached at wayne.karl@ypnexthome.ca or follow him on Twitter at twitter.com/ WayneKarl.

JAN 21 - FEB 4, 2017 | NEW HOME & CONDO GUIDE SWO 45

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All renderings are artist’s concept. Prices and specifications subject to change. See sales consultant for more details. E. & O.E. January 2017.

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