JUNE 4 - 18, 2016 VOLUME 19, ISSUE 11, FREE
SOUTHWESTERN ONTARIO EDITION
INSIDE THIS ISSUE
5 WAYS TO BOOST YOUR DOWN PAYMENT
TILLSONBURG: REGIONAL HUB LEAPING INTO THE FUTURE
HOW TO AVOID A MOVING HORROR STORY
At Empire we’ve built vibrant communities for over 30,000 Ontarians. Our beautiful new homes are designed to make everyday life richer and more sustainable.
HO
ME HOMES | CONDOS | COMMUNITIES | EMPIRECOMMUNITIES.COM
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contents JUNE 4 - 18, 2016 | VOLUME 19 ISSUE 11
PRESIDENT, YELLOW PAGES NEXTHOME
Jacqueline Hill ASSOCIATE PUBLISHER
Susan Maxwell EDITOR-IN-CHIEF / DIRECTOR OF CONTENT
Susan Legge DIRECTOR OF SALES, NATIONAL
Moe Lalani EDITOR
Wayne Karl ART DIRECTOR
Daiana Garay CONTRIBUTING EDITORS
Sonia Bell Sara Duck (on leave) Elisa Krovblit Jackie Marchildon Lydia McNutt (on leave)
12
SALES CO-ORDINATOR
Sarah Khan MANAGER OF PRODUCTION
ON THE COVER
12
Helen Pearce
Empire Communities
CO-ORDINATOR
Creating communities in Southwestern Ontario and beyond
GRAPHIC DESIGNER
Sandra Hanak-Vujnovic Miguel Cea
property profiles
46 Decor
Woven and wicker
20 Menkes Developments Enclaves of Upper Canada now under construction
36
city focus A regional hub leaping into the future
Spread your wings at Auburn Trail in Smithville Modern town living at Wildwood in Ancaster
buyers’ resource section
15
trending
14
31
Five ways to boost your down payment
50 Fundamentally Speaking
How to avoid your own moving horror story
inspiration
42 Design secrets
10 tips for painting great looking walls
8 YPNEXTHOME.CA
Hot Properties Hamilton
New releases and grand openings
advice
26 Mortgage Advice
Hot Properties Kitchener-Waterloo & London
New releases and grand openings
EnerQuality
EnerQuality wins two Energy Star Awards
Joanne Keenan Jeffrey Reed #500-401 The West Mall
24 Tillsonburg
Phelps Homes
40 Losani Homes
CONTRIBUTING WRITERS
51
Mortgage Rates
in every issue
10 Editor’s Note 52 Advertiser Index 53 What’s Online
Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 ypnexthome.ca
ADVERTISING Call Susan Maxwell at 416.988.1172
FAX: 416.784.9554 Toll Free: 1.877.269.8257, follow prompts, ext. 4260; e-mail: susan.maxwell@ypnexthome.ca 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 2016 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. Please recycle this magazine! Yellow Pages NextHome 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.
remarkable location. STUNNING HOMES.
LUXURY FREEHOLD TOWNHOMES AND STATELY SINGLES ON 50’, 60’ , 70’ LOTS Discover
Luxurious Fonthill Living at the Residences at Lookout. Enjoy stately singles and luxury townhomes with double garages, brick driveways, stunning exteriors and quality finishes in the area’s most sought-after community.
METLER RD.
Offer & specification , price & availability subject to change without notice. E.&.O.E. Restrictions apply, visit sales office for details.
PEHLEM ST.
HWY 20
HWY 406
residencesatlookout.com mountainview.com
BREWERTON BLVD. HAIST ST.
905.892.4106
TICE RD. LOOKOUT ST.
MODEL HOME: 1589 Lookout St., Fonthill Monday – Wednesday 1-6 p.m. Saturday & Sunday 11-5 p.m. Thursday & Friday by appointment.
9
Editors' Notes
SUSAN LEGGE Editor-in-Chief / Director of Content Yellow Pages NextHome Email: Susan.Legge@ypnexthome.ca Twitter: @SusanLegge
OLD EAST LONDON
SEE MORE ONLINE ypnexthome.ca/east-london
Understanding the agreement Buying a new home offers an opportunity to get exactly what you want. It can be a dream come true and an investment for the future – but it’s also a legal transaction. The term “get it in writing” has never been more important. Your contract outlines everything your new home will have in it and around it. Otherwise known as the Agreement of Purchase and Sale, the contract spells out the terms between you and your developer and/or builder. Without it, if there is a misunderstanding or disagreement, it’s impossible to prove what was agreed upon.
Since building a home is much more complicated than a resale transaction where the home already exists, there is no set Agreement of Purchase and Sale or standard contract. Builders often prepare their own agreements so contracts can vary. Before you sign a contract, review it carefully and ask questions to make sure you fully understand it. Take it to a real estate lawyer. Once it is signed, it becomes a legal document, so seeking the services of an experienced lawyer is an important step toward ensuring that your dream home becomes a reality.
It’s not too late to use your voice
Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl
When the Ontario government last month announced proposed changes to four provincial plans that would shape how land is used in the Greater Golden Horseshoe — Canada’s fastest-growing urban region and the province’s economic engine – there seemed to be two distinct reactions. The home building industry was quick to jump all over it. The Ontario Home Builders’ Association and its various regional member groups issued a joint release warning of the consequences.
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WAYNE KARL Senior Editor
10 YPNEXTHOME.CA
Consumers, meanwhile, didn’t seem to bat an eye. Perhaps, for some, the subject of long-range urban planning is barely worth a yawn. But the implications of the changes – more highrise condos, increased congestion, less housing choice and higher prices – could be far-reaching and long-term. Whether you’re homeowner or prospective homebuyer, you have a voice, and it’s not too late to use it, if you so choose. Visit mah.gov.on.ca/ Page14851.aspx
JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 11
Property Profile | EMPIRE
cover story
Empire Creating communities throughout Southwestern Ontario and beyond EMPIRE’S CORE VALUES of caring, optimism and trust inform everything the company does. It is these intrinsic values that have guided it from its start more than 20 years ago. Empire is proud to have earned more than 100 domestic and international awards for design, marketing, sales and Green building – and more importantly earned, the trust and loyalty of 10,000-plus homebuyers. Empire has more than 4,000 homes enrolled in Energy Star for New Homes, Canada’s most successful Green building program. The company has been actively involved in this program since its 12 YPNEXTHOME.CA
inception in 2007. As an early adopter of this Greener standard, it’s become part of its culture to seek out the best new sustainable designs. Energy Star qualified homes are approximately 20 per cent more energy efficient than those built to minimum building code requirements. Energy savings every month and peace of mind are the two most important benefits a homeowner can count on when they buy an Energy Star qualified home. An Energy Star qualified home is a high performance home that’s better for you and the environment. These Green building efforts have
resulted in the Green Builder of the Year Award from several associations, most recently the Hamilton Halton Home Builders’ Association (HHHBA) for 2015 Green Builder of the Year. Empire was approached by the Mike Holmes team to join his exclusive Holmes Approved Homes program. Excited to collaborate with the Holmes Program, Empire reinforced the high-level of home building standards across all lowrise communities. This program integrates cutting edge building products and technology with proven building practices that go above and beyond residential building standards, from
MORE PHOTOS ONLINE ypnexthome.ca/empire-holmes
construction to final inspection. We’re honoured to be personally selected by Mike Holmes and feel this partnership demonstrates a meaningful commitment to quality and transparency. Empire is dedicated to enhancing the lives of its homebuyers in the communities in which it builds. The company is an active volunteer throughout the province and have participated in several fundraising initiatives, including Habitat for Humanity; $250,000 sponsorship to Brantford’s Wayne Gretzky Sports Centre; $33,000 to David Hornell Jr. School for an outdoor classroom; and $45,000 to the Brantford Home Builders’ Association (BHBA) Annual Luncheon. What’s next for Empire? Growth will continue in southwestern Ontario with an emphasis towards Green living and affordable luxury living. With lots of fantastic communities on the go and even more in the works, we’re excited to continue creating inspiring places to live and to help our customers achieve their homeownership dreams. We only hope that you’ll honour us with the opportunity to find the perfect home for you. Regardless of the community and home styles being built, Empire promises to create inspiring new places to live by being pioneers in the industry, by offering customers more and by caring for the world around us. Please visit empirecommunities.com for details. JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 13
Trending
EnerQuality wins two Energy Star Awards JIM CARR, CANADA’S Minister
of Natural Resources, recently announced the recipients of the 2016 Energy Star Market Transformation Awards for advancing energy efficiency, naming EnerQuality in two key categories Participant of the Year – Program Delivery and Sustained Excellence. “Congratulations to EnerQuality on their Energy Star Canada Awards. I thank them for their extraordinary leadership and sustained commitment to the Energy Star initiative, which helps Canadians make responsible, energy-efficient choices,” says Carr. “EnerQuality is thrilled to be recognized by the government of Canada for our work with the Energy Star program and very proud of the impact it has had on Canadian housing,” says Corey McBurney, president, EnerQuality. “We are excited to continue to work closely with our industry partners and especially Canada’s builders to further accelerate innovation and build the low-carbon housing of the future.” Participant of the Year – Program Delivery - 2016 EnerQuality’s record as a leader in designing and delivering Green building programs to the residential construction industry was backed up by noteworthy accomplishments such as labeling thousands of Energy Star-qualified homes in the last year, providing significant training to builders, energy advisors and program stakeholders, delivering two key market transformation programs on behalf of Enbridge Gas Distribution and Union Gas, and leading a variety of promotional and engagement activities directed at stakeholders. 14 YPNEXTHOME.CA
MORE TRENDING ONLINE ypnexthome.ca/news
Sustained Excellence - 2016 For more than a decade, EnerQuality has been a champion in promoting and delivering the Energy Star for New Homes program in Canada. Among the many factors cited include maintaining delivery capacity, creating awareness and providing recognition to builders, ensuring quality training, offering outstanding brand promotion, contributing to partner programming, and building supply and demand of Energy Star-qualified homes. The Energy Star program is a voluntary partnership between the Government of Canada and more than 2,000 organizations that manufacture, sell or promote Energy Star-certified products and homes. The Energy Star symbol and label indicate for consumers that certified products and homes meet strict technical requirements, making them among the most energy-efficient on the market. EnerQuality designs and delivers Green building programs to the home building industry and is Canada’s top certifier of high performance homes. Founded as a partnership between Ontario Home Builder’s Association and the Canadian Energy Efficiency Alliance in 1998, EnerQuality holds a unique place in the residential construction industry and has a mission to accelerate innovation. EnerQuality has labeled 60,000 homes to date, marking one of the most successful market transformation programs in housing ever.
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 BAYFIELD • BLYTH • CLINTON GRAND BEND • INGERSOLL • LONDON MITCHELL • SEAFORTH • SHAKESPEARE ST.THOMAS • STRATFORD • TAVISTOCK TILLSONBURG • WINGHAM • WOODSTOCK
pre-registration 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 CLAIR MEADOWS
Housing type: Single-family homes at Hamilton Road & Commissioners Road East. stonecresthomes.ca
new openings
Housing type: Single-family homes from $482,900 fusionhomes.com
new releases HAVELOCK CORNERS
CASTLE ROCK PLACE 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
FOX FIELD By: Fusion Homes City: London Location: Fanshawe Park Road West and Foxwood Avenue
By: Senator Homes City: Woodstock Housing type: Single-detached homes from the $300’s senatorhomes.com
BALDWIN PLACE By: Tillsonburg Developments City: Tillsonburg Housing type: Single-detached freehold bungalows from $244,500. baldwinplace.ca
WILDFLOWERS
ROSEMOUNT SEMIS
By: Mattamy Homes City: Kitchener Housing type: Townhomes and 30and 36-ft. detached homes. mattamyhomes.com
By: CountryGreen Homes City: Kitchener Housing type: Semi-detached homes in the heart of Kitchener from $349,900 countrygreenhomes.com
ISHERWOOD AVENUE CONDOS By: Activa Group City: Cambridge Location: 25 Isherwood Avenue Housing type: Condo community activagroup.ca
By: Gatto Homes City: Guelph Housing type: Townhomes and singledetached homes gattohomesinc.com
new openings
WESTWOOD MEWS
VICTORIA COMMON
By: CountryGreen Homes City: Kitchener Housing type: Urban townhomes up to 1,365 sq. ft. from the mid $200’s countrygreenhomes.com
By: Losani Homes City: Kitchener Housing type: Final release of modern townhomes from the $300’s losanihomes.com
CLAIRITY By: Reid’s Heritage Homes City: Guelph Housing type: One- and two-bedroom condominiums from the mid $200’s reidsheritagehomes.com
AVALON URBAN TOWNS By: Savic Homes City: Kitchener Location: Highland Road West and Ira Needles Blvd. Housing type: Design-forward urban towns avalontowns.ca
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
JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 15
16
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
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 SITES
PRICES
Cambridge
MATTAMY HOMES
River Mill
•
Elmira
CLAYSAM HOMES
Elmira Country Club Estates
•
Georgetown
MENKES
The Enclaves of Upper Canada
•
Kitchener
COUNTRY GREEN HOMES WestWood Mews
Kitchener
LOSANI HOMES
Doon Creek
Kitchener
LOSANI HOMES
Victoria Common
Kitchener
MATTAMY HOMES
Wildflower
Kitchener
REID'S HERITAGE HOMES
Williamsburg Walk
Milton
MATTAMY HOMES
Hawthorne South Village
•
Plattsville
CLAYSAM HOMES
Plattsville Estates
•
Tillsonburg
TILLSONBURG DEV.
Baldwin Place
•
Woodstock
CLAYSAM HOMES
Neighbourhoods Devonshire
Woodstock
SENATOR HOMES
Havelock Corners
•
•
54&55
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from $299,900
23
from low $800's
22
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from mid $200's
7
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from low $400's
6
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from mid $300's
6
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54&55
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from mid $250's
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BC
54&55
from $334,900
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from $259,900
23
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from $300's
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STRATFORD, WOODSTOCK, INGERSOLL, TILLSONBURG, ST. THOMAS, STRATHROY, MILTON, GEORGETOWN, ROCKWOOD, GUELPH, FERGUS, ELORA, ALMA, CAMBRIDGE, KITCHENER, WATERLOO, AYR
BUILDERS
London / Halton Hills / Wellington / Waterloo:
LOCATION
17
An Adult Lifestyle Community
It’s
TheLife See it all at
baldwinplace.ca
Baldwin Place
Great Homes, Great Lifestyle, Great Neighbours 3 ESSELTINE DRIVE, TILLSONBURG MODEL HOME HOURS: OPEN MONDAY - THURSDAY, SATURDAY & SUNDAY 10AM TO 5PM. FRIDAYS & HOLIDAYS BY APPOINTMENT ONLY. E.& O.E. Prices & Specifications are subject to change without notice. 18 YPNEXTHOME.CA
Call us now at 1-800-265-5709 baldwinplace.ca
JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 19
Property Profile | MENKES DEVELOPMENTS
Now under construction The Enclaves of Upper Canada in Georgetown by Menkes MENKES DEVELOPMENTS is thrilled announce the final
release of 40-ft. homes. A private, inviting community in the Norval hamlet of East Georgetown, virtually everything you need is only minutes away. From all the amenities of a major town to the beautifully landscaped suburban streets and wooded walking trails of the Niagara escarpment, the Enclaves have it all. The homes are now under construction and a few lots are still available, some backing onto a ravine of mature trees with breathtaking views of the Credit River Conservation lands. Homes at The Enclaves feature an upscale array of standard and upgraded features, including; nine-ft. ceilings on the main and second floor, tray ceilings in the master bedroom, gourmet kitchens with extended height uppers and granite counters, natural gas fireplace with white painted mantle and marble surround, and oak staircases from the first to second floor with upgraded pickets. In an ongoing commitment to green homebuilding, Menkes is building the Enclaves of Upper Canada community to Energy Star standards and, in many cases, 20 YPNEXTHOME.CA
exceeding these standards. Green features include R50 attic insulation, R31 sprayed in foam for garage ceilings, sealed ductwork joints, high efficiency HRV, drain water heat recovery systems, and excel structural insulated sheathing to name a few. Purchasers of the 40-ft. Enclave Collection receive natural oak engineered hardwood on the main floor (excluding tiled areas) and upper hallways and $10,000 in upgrades. Please visit the sales office for more details. Homes in the 40-ft. Enclaves Collection range from 2,496 to 3,525 sq. ft. and are priced from the low $800’s. Visit the Sales Office/Model Home located at 3 Upper Canada Court, Georgetown, in the Enclaves of Upper Canada community at the northeast corner of Guelph Street and McFarlane Drive. The Presentation Centre is open from Monday through Thursday from 1 to 8 p.m., closed Fridays and open Saturdays from 11 a.m. to 6 p.m., and Sundays and holidays from noon to 6 p.m. For more information, call 289.891.9103 or visit menkes.com
Location
Georgetown Builder
Menkes Developments Development
The Enclaves of Upper Canada Home Type
Final release of 40-ft. homes from 2,496 to 3,525 sq. ft., from the low $800’s Sales Centre
3 Upper Canada Court, northeast corner of Guelph Street and McFarlane Drive, open Monday through Thursday 1 to 8 p.m., closed Fridays and open Saturdays 11 a.m. to 6 p.m., and Sundays and holidays noon to 6 p.m. Contact
289.891.9103 menkes.com
MORE PHOTOS ONLINE ypnexthome.ca/menkes-enclaves
JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 21
22 YPNEXTHOME.CA
Now Building...
HOLMES APPROVED HOMES
Built Right From The Ground Up
Towns & Semis PHASE 3 NOW AVAILABLE
A Proud Partner Claysam Homes is proud to offer home buyers The Holmes Approved Homes Program. Each of our newly built homes will go through a rigorous inspection process through a certified Mike Holmes inspector. Visit one of our model homes today to find out more details about our exciting new partnership and how it benefits you to live in a Holmes approved home.
STARTING FROM
$259,900 Woodstock
1399 Caen Ave. Woodstock, ON
50’ Lots with bungalows & two-storeys STARTING FROM
$334,900 Plattsville
148 Applewood St. Plattsville. ON Towns & Singles PHASE 2 NOW SELLING STARTING FROM
$299,900 Elmira serviced in all our communities
Visit our website for MODEL HOME hours.
79 Country Club Estates Dr. Elmira, ON
claysamhomes.com
Prices and specifications are subject to change without notice. E. & O. E.
JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 23
City Focus | TILLSONBURG
Tillsonburg Regional hub leaping into the future THEY SAY LOCATION, LOCATION, LOCATION is one of the primary considerations for real estate. And while at first glance Tillsonburg, a town of about 15,000 located in Oxford County, may not strike you as blessed with location, a closer look would certainly change your mind. Located about 50 kilometres southeast of London, Tillsonburg offers everything a homeowner wants in smalltown Ontario, by bringing together surrounding rural serenity with all modern amenities, including hospital and schools, shopping and dining pleasures, plus much more. It’s a short drive from London International Airport, and the picturesque shores of beautiful Lake Erie. The Tillsonburg area enjoys unusually temperate weather, too – perfect for gardening and enjoying outdoor activities, including golf. In fact, there are two golf courses within five minutes of your front door, and dozens more within a halfhour drive. 24 YPNEXTHOME.CA
Not far, either, is the downtown Tillsonburg Town Centre Mall, and Norfolk Mall in south Tillsonburg. Together, they offer more than 200 shops and services. There are also three medical clinics, home support services and an ultra-modern hospital. And just 35 minutes away is the city of London, home to two world-class hospital campuses. Indeed, although the town population is officially listed as about 15,000, the town is a regional hub for business, industry, health care, education, agriculture, government and emergency services which serves an area of nearly 225,000 people.
Not bad for a community dating back to 1825 as a village catering predominantly to the logging and wood processing industries. In the mid-19th century, Tillsonburg took additional steps toward industrialization through further expansion into forest products. In the 1920s, major enterprises included milk and tobacco production and manufacturing of shoes, farm equipment and textiles. Fast-forward to the 1990s when the current downtown began to take shape with the construction of the Rotary Club Clock Tower, where residents gather to ring in the New Year. Tillsonburg’s adult-lifestyle residential focus began in 2001, with the Baldwin Place subdivision located on the western edge of the town – a development that will have approximately 300 homes when completed. Other recent residential development includes the reurbanization of the former railway lands on Bridge Street East, which is the site of Tillson Landing condominium, the first such highrise construction in more than a decade. Tillson Landing was completed in January 2006. The Tillsonburg Community Centre was refurbished in 2004 with renovations and expansion of the arena and new recreation and health club facilities. Downtown also recently welcomed Boston Pizza, as well as big box stores such as Canadian Tire, Shopper’s Drug Mart and Staples Business Depot, and an expanded The Source store and Mark’s Work Wearhouse in the Tillsonburg Town Centre Mall. In terms of the local economy, Tillsonburg has been positively impacted by General Motors’ CAMI assembly plant in Ingersoll, about 20 kilometres north of the town, which opened in 1986. Toyota’s plant in Woodstock, about 30 kilometres northeast, has had a similar spillover benefit for the town. Other local businesses have also recently expanded, including Siemens Canada.
The area still has a strong agricultural base, with cash crops, hog farming, milk production, tobacco, ginseng and various tertiary crops. Not content with relying on such history, and with an eye to further diversifying its economy, Tillsonburg is pledging to leap into the future. The Town of Tillsonburg recently partnered with the Economic Developers’ Council of Ontario (EDCO) to attract international investment. The efforts seem to be paying off. Tillsonburg has been recognized for excellence in economic development initiatives at the EDCO Awards, for its Discover Tillsonburg campaign. This initiative saw local builders partner with the municipality to collaboratively market the community and attract new residential investment. “The Town of Tillsonburg and the Tillsonburg Development Committee have a goal of increasing residential growth in the community,” says Mayor Stephen Molnar. “Through the Discover Tillsonburg campaign,
we’ve been able to approach the challenge in a fresh way – pooling our resources with the private sector and working collaboratively to make our community stronger.” Partners in the Discover Tillsonburg effort included Tillsonburg Developments Inc., Hayhoe Homes, Fusion Homes and Landmark Homes. Deliverables included a new website (discovertillsonburg.ca) and other initiatives. “While it’s certainly gratifying to be recognized with an award, the real satisfaction comes from seeing the results,” says Colleen Pepper, marketing and communications officer for the Town. “New home starts in Tillsonburg increased 25 per cent in the first year of the initiative, and are up over 50 per cent since the recession.” “It’s exciting to see the momentum that is building,” says Dominic Bradley, marketing director for Tillsonburg Developments. “Being involved in Discover Tillsonburg has allowed us to leverage our marketing dollars and make strategic investments that benefit the whole community.” JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 25
Advice | MORTGAGE ADVICE
5 ways to boost your down payment By Alyssa Richard
MORE ADVICE ONLINE ypnexthome.ca/news/advice
WITH THE AVERAGE PRICE of a home
in Canada now costing more than $500,000, many young people need all the help they can get when it comes to coming up with the down payment for their first home. If you’ve just started saving and are looking for ways to give your down payment fund a boost, the five tips below will help you save more money faster to afford the home of your dreams and leave you with a smaller mortgage. 1. Make a tax-free withdrawal from your RRSP If you’re a first-time homebuyer, you can make a tax-free withdrawal of up to $25,000 tax free from your RRSP under the Home Buyers’ Plan (HBP). This means a couple purchasing their first house together can each withdraw up to $25,000 from their RRSPs, for a total of $50,000 towards a down-payment on their first home. The money must be paid back over a period of 15 years beginning in the second year after you made a withdrawal. 2. Use your tax refund If things such as unused tuition credits, moving expenses or RRSP contributions will net you an income tax refund when you file your taxes, resist the temptation to spend it! Instead, save it as part of your down payment fund. Your income tax refund is one of the easiest ways to quickly boost the balance of your down payment without putting any strain on your everyday budget. 26 YPNEXTHOME.CA
3. Trim expensive luxuries from your budget
5. Borrow from the Bank of Mom and Dad
Cutting your daily coffee from your budget will probably only save you a few hundred dollars per year, which won’t go far if you’re planning to buy a home anytime soon. However, if you’re spending more than $100 a month on expensive cable packages or pricey gym memberships, axing these from your budget and redirecting the cash to your down payment fund will give it a noticeable boost. You don’t have to give up everything to become a homeownership but you should prioritize the goal over non-necessities you won’t really miss.
Your parents raised you, took care of you when you were sick, and prepared you for life. While you may feel bad about asking for a handout, many young Canadians expect financial support when buying a home. In fact, a 2015 BMO survey finds that 42 per cent of first-time buyers actually expect their parents or relatives to help pay for their first home. And 40 per cent of first-time buyers say they wouldn’t be able to afford a home without financial help from family. For many young people, the down payment for their first home will be the largest sum of money they’ve had to save up so far, so it’s no surprise they find the task daunting. However, with commitment and a plan, you’ll be able to save up the down payment you need in order to afford the home you want. RateHub.ca is a website that compares mortgage rates, credit cards and deposit rates with the goal to empower Canadians to search smarter and save money.
4. Find a side hustle to fund your goals One of the easiest ways to really ramp up your savings for a down payment is to dedicate an income stream to achieving the goal. If you can find parttime work outside the regular hours of your job or freelancing you can fit in your own schedule, you can use all the extra income you earn towards saving for a house. You might be reluctant to put a few more hours in at a second job if you’re already working full-time, but if working evenings and weekends will make your home ownership dreams come true, it’s a worthy sacrifice.
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.
JUNE 2016
Model Home Photo Compliments of Tillsonburg Developments Inc. | www.baldwinplace.ca
Brought to you by the Developers of Baldwin Place
Tillsonburg Developments Inc.
Baldwin Place, a truly Active Adult Lifestyle Community of Customizable Freehold Bungalows starting in the low $200’s with On-site Recreation Center. Located within the Town of Tillsonburg with its full-service amenities and temperate climate. Home shown is the Gainsborough Model starting at $314,500.
Tillsonburg Developments Inc. has been featured as “Model HOME Of The Month” as seen in the New Home & Condo Guide model home calendar
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of luxury custom homes on 50-, 55-, 60 and 66-ft. lots carriagegatehomes.com
TIFFANY HILL THE LOFTS By: Surreal Homes City: Brantford Housing type: Lofts in a restored warehouse from $199,900 theloftsat85.com
AQUAZUL By: Homes by DeSantis City: Grimsby Housing type: Waterfront condominiums from the $180’s aquazulcondo.ca
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
SAPPHIRE By: New Horizon City: Stoney Creek Housing type: Waterfront condominiums from $199,999 sapphirecondos.ca
SIHLER WOODS By: Vanel Condominiums City: Simcoe Housing type: Spacious detached bungalow condos with ravine views from $399,900 vanel.ca
FALLINGWATERS By: Losani Homes City: Hamilton Mountain Housing type: Two- and threestorey towns from the $400’s losanifallingwaters.com
LEGACY ANCASTER By: Carriage Gate Homes Location: Ancaster Housing type: Limited collection
City: Milton Housing type: Two-storey freehold townhomes branthaven.com
By: Rosehaven Homes, Homes by DeSantis & CDI Homes Location: Ancaster Housing type: Detached homes and freehold townhomes tiffanyhill.ca
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By: Carriage Gate Homes Location: Caroline Street and Elizabeth Street, Burlington Housing type: 154-unit condo carriagegatehomes.com
STATIONWEST
new openings
By: Adi Developments Location: Burlington Housing type: Three-storey urban townhomes at Aldershot Go Station adidevelopments.com
PASSAGES ON THE CANAL By: Bayview-Wellington Homes Location: Welland Housing type: Luxury freehold executive townhomes mypassages.ca
AVALON By: Empire Communities Location: 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
SUMMIT PARK By: Multi-Area Developments City: Hamilton Housing type: New release of singles and luxury townhomes multi-area.com
THE FAIRGROUNDS FINALE By: Losani Homes Location: Binbrook Housing type: New release of stylish townhomes losanihomes.com
CENTRE SQUARE By: Homes by DeSantis City: Beamsville Housing type: Boutique and freehold urban towns from the mid $200’s centresquare.ca
FREEDOM By: Branthaven Homes City: Stoney Creek Housing type: Luxury two- and three-storey townhomes branthaven.com
CREEKSHORE COMMON By: Mattamy Homes City: Oakville Housing type: Boutique condominiums and townhomes mattamyhomes.com
PRAIRIE MODERN By: Losani Homes Location: Hamilton Housing type: Townhomes from the low $300’s prairiemodern.ca
AUGUSTA By: Losani Homes City: Ancaster Housing type: Modern semis from the mid $400’s losanihomes.com
HAWTHORNE SOUTH VILLAGE By: Mattamy Homes City: Milton Housing type: Townhomes and detached homes in masterplanned community mattamyhomes.com
CRANBERRY HILL By: Mattamy Homes City: Waterdown Housing type: New 30- and 36ft. detached designs mattamyhomes.com
WOODLANDS By: Mountainview Homes City: Niagara Falls Housing type: Single-detached and townhomes from $229,900 mountainview.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
JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 31
32
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Paris
Port Dover
Simcoe
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Grimsby
Georgetown
Caledon
Smithville
Welland
Fonthill
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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
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Legacy in Ancaster
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Augusta
Ancaster
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Ancaster
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Ancaster
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LOSANI HOMES
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•
Binbrook
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Fairgrounds Finale
•
Brantford
EMPIRE
Wyndfield
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Brantford
SURREAL HOMES
The Lofts
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from $199,900
34
ADI DEVELOPMENT
Station West
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from $200's
49
Burlington Caledonia
ADVERTISERS EMPIRE
PRICES
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from $900,000
39
from low $500's
6
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from mid $400's
6
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from high $700's
6
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6
from $400's
6
from high $300's
6
•
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Avalon
•
Fonthill
MOUNTAINVIEW HOMES
The Residence at Lookout
•
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THOMAS COCHRENE
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PAGE
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2&3 •
9 from $1,400,000
35
from $180's
11
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6
Fallingwaters
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6
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6
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54&55
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OAKVILLE, BURLINGTON, HAMILTON, ANCASTER, PARIS, BRANTFORD, STONEY CREEK, VINELAND, LINCOLN, THOROLD, FONTHILL, NIAGARA, NIAGARA-ON-THE-LAKE, FORT ERIE
LOCATION
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A TRANSFORMATION THAT BECOMES YOUR OWN. The Lofts, a restored warehouse, create a sense of modern space in Holmedale Brantford’s most classic neighbourhood. Be a part of a festival, enjoy a show, sing along to a concert, eat local foods and browse an artisan’s shop. The experiences that Brantford has to offer are endless.
8 5 M O R R E L L S TRE E T, B RA N TFORD C O MING S O O N : S T ARTI NG AT $1 9 9 ,9 0 0
VISIT THELOFTSAT85.COM TO REGISTER TODAY. PRESENTED BY: KING & BENTON 34 YPNEXTHOME.CA
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Property Profile | PHELPS HOMES
Auburn Trail in Smithville Where there’s room to spread your wings Location
Smithville Builder
Phelps Homes Development
Auburn Trail Home Type
Bungalows and two-storey homes from the mid $400’s Sales Centre
31 Gateway Ave., open noon to 6 p.m. Monday to Wednesday, noon to 5 p.m. weekends and holidays Contact
905.945.6978 auburntrail@phelpshomes.com phelpshomes.com 36 YPNEXTHOME.CA
NESTLED IN A QUIET RESIDENTIAL
area near the heart of Smithville is the Phelps Homes community of Auburn Trail. Now entering its second phase, you’ll find these bungalows and twostorey homes on country-sized lots of 46 and 50 ft. that you seldom see anywhere but in small town settings like this. Not far from downtown Smithville, these homes have been designed to complement the existing charm and small town atmosphere already prevalent in Smithville. Unique Craftsman-inspired exteriors with front porches and stone and brick accents are architecturally controlled
to ensure a pleasing streetscape and timeless appeal. Set in the midst of the Niagara Wine Region, Smithville is a step away from city lights yet is a convenient midway point between Hamilton and St. Catharines, and 10 minutes to Grimsby and all the amenities available. Residents who have already moved in have easy access to the Leisureplex and the West Lincoln Community Centre and fairgrounds, and various organized sports clubs, schools and places of worship along with the shops and services of downtown and Village Square. Whether life has reached the point
of downsizing or you are just starting out with a family, lifestyle is the focus in Smithville where there really is room to grow. Homes range in size from eight bungalow plans starting at 1,511 sq. ft. to nine two-storey homes that start at 2,207 sq. ft. offering three- and four-bedroom layouts. The homes of Auburn Trail burst with quality and a unique lifestyle opportunity on these large lots that are non-existent in the city. Larger than average double car garages, designer kitchens and the Craftsman architectural details set this community apart from all others. Inside, modern, open-concept living provides the perfect setting for family gatherings or entertaining. And don’t forget: what other builders consider as upgrades, are standard in a Phelps home. Interiors are graced with nine-ft. ceilings and larger windows providing a light and airy environment. A convenience door from the garage to your home helps to make those weekly grocery trips a little easier to bear while the simple addition like a main floor laundry room takes care of an important detail often overlooked. Combine all of this with engineered floor joists and an engineered roof truss system and you get a testament to the quality craftsmanship and detail found in every Phelps-built home. A pre-construction meeting with the construction manager provides behind the scene details and answers any questions you may have before construction starts. At the framing stage of construction, you will be invited for a walk-through inspection of your home to ensure that everything is just as you desire. As a master builder since 1975, Phelps Homes has a long history of personalized home building and they continue to strive to create beautiful living spaces that their homeowners are proud to call home. For more information, call 905.945.6978, email auburntrail@ phelpshomes.com or visit phelpshomes.com JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 37
Unbridled Luxury in Ancaster’s Best Location. US T I VIS
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A limited collection of custom inspired homes Large TREED LOTS... up to 66 ft. wide in a desirable neighbourhood. Architecturally distinctive bungalows, bungaloft & 2 storey designs available. Carriage Gate’s finest collection of spacious single family homes, perhaps their most prestigious yet. An intimate enclave of homes in Ancaster’s best and most desirable location, just off Lime Kiln Road, these estate-inspired residences are distinguished in both their architecture and interior design, with each appointed with a long retinue of luxury features.
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Property Profile | LOSANI HOMES
VIP PREVIEW JUNE 22 — Don’t miss your opportunity for modern town living near the forest in Ancaster at
Wildwood IMAGINE THE PERFECT combination of convenient, modern, urban living surrounded by a natural environment of mature trees and forests. The Wildwood community by Losani Homes represents a rare and wonderful opportunity for families who embrace and explore nature. This unique location is near rivers, trails and streams of many conservation areas, and the shops and boutiques of charming Ancaster are only minutes away from the Stoney Creek Escarpment and the booming multiindustry economy of Hamilton. 40 YPNEXTHOME.CA
These beautiful townhomes are designed with a pleasing blending of classic character with a clean, sleek, and modern contemporary feel. The homes range in size from approximately 1,244 to 1,753 sq. ft., with two- and threebedroom designs priced from the $300,000s. The townhomes at Wildwood will feature desirable finishes such as nine-ft. ceilings with premium hardwood flooring on the main floor, granite countertops in the kitchen, a five-piece appliance
package and much more. Large windows will offer an infusion of natural light and views of the nearby forest, and the urban townhomes have convenient outdoor living space. This is a rare opportunity for modern town living in a mature natural setting in desirable Ancaster. Get Front of the Line access at Wildwood by registering today at wildwoodtowns.com. VIP Preview is June 22 – don’t miss your opportunity to be a VIP!
MORE PHOTOS ONLINE ypnexthome.ca/losani-wildwood
Location
Ancaster Builder
Losani Homes Development
Wildwood Home Type
Two- and three-bedroom townhomes from 1,244 to 1,753 sq. ft. from the $300’s Contact
wildwoodtowns.com
JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 41
PHOTOGRAPHY, BRANDON BARRE (BRANDONBARRE.COM)
Inspiration | DESIGN SECRETS
10 TIPS
for painting great looking walls By Jane Lockhart
AS A NEW-HOME OWNER, you have
two choices: you can either stick with the standard “builder beige” or you can refine your painting skills, put on a pair of coveralls and give it a shot. This is not to say that all new homes are adorned with builder beige, but unless you were able to pick multiple colours in the paint and finishes of your space, chances are your home could probably use a new coat. I was trained to paint properly way back when I started my design career more than 20 years ago. Some of you may know that I began as a junior designer at Benjamin Moore Paints. I never dreamed that I would learn so much useful
42 YPNEXTHOME.CA
knowledge about colour and paint. So before you tackle any painting job, big or small, follow these simple rules for a seamless finish.
paint. Then it will leave small fluffs on your wall and all your hard work ends up looking poor.
1 | Buy a metal cage The cage is the metal handle that holds the actual roller or sleeve. The better this is, the longer it will last, it won’t squeak when rolling or rust when washed.
3 | Buy a large paint tray! This is so much easier, as you can pour almost a full can of paint into the tray which means less pouring of paint and hopefully less mess. This also means less stopping of the job to pour paint into the tray.
2 | Buy a sleeve with a plastic centre The sleeve is the furry cylinder that you put on the metal cage or handle. If you buy a cheap sleeve with a cardboard interior, it will start to fall apart when it gets wet in the
4 | Really coat the roller sleeve When putting paint on the roller, really coat the roller sleeve. It is designed to hold paint! Fluffier roller sleeves hold more paint, which means you go to the tray less …continued on page 44
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Don’t miss out on these incredible homeownership opportunities. VISIT uS TODAy AT: 150 Woodway Trail Simcoe, ON eastforesthomes.com follow us! Prices correct at press time. Image used above is the actual previous Model Home; Wentworth II. Brokers protected. Promotions and incentives can be changed or cancelled at any time without notice. Please see Sales Representative for details. E. & O.E., May 2016.
…continued from page 42
often and this will speed up the job. Really soak the roller in the tray so it absorbs the paint. 5 | Avoid tiny strokes in a small area When applying the paint to the wall – do not roll it in tiny strokes back and forth in one small area. Begin by rolling a large “W” on the wall with the roller and then roll the wall fully from top to bottom. This will lie out the paint better and faster. 6 | Apply the recommended amount of paint Apply the recommended amount of paint to the wall. People often try to stretch their can of paint a little farther by not applying as much as suggested by the manufacturer. There is no value in this as the paint is meant to be applied to a certain thickness to give you the right colour and durability. Too little paint compromises this! 7 | Don’t brush all the edges first Although it is tempting to cut-in or brush all the edges of the walls before rolling the paint on, you are less likely to get a good finish. It is best to brush a little of the edges then roll into that wet paint, and continue this process down the wall. It takes longer but you will find the coverage of the colour more even. 8 | Always use two coats of paint Yes, you usually need two coats of paint to develop the colour well or to ensure you don’t miss any spots. There are some brands of paint that suggest you only need one coat, but I have found this to work only with a light colour over another light colour, and when I take my time applying the paint. 9 | Store your paint cans upside down Paint does not “go bad” as long
as it’s not kept in extremely cold conditions. Seal the lid very well (Place the lid on the can, cover with paper, and hammer the lid in place, remove paper) and turn the can upside down in a cool dry area for storage. When the can is turned right side up again, it mixes before you dip your brush in. 10 | Buy a good paintbrush Buy one good paintbrush. Cost can be an issue, but a good brush means you will only buy it once if you clean it after you have done the job. A good brush has “flagged” ends and is angled. Flagged ends look like the bristles are uneven and with split ends. This lays out the paint in a much smoother fashion. And once you do clean your brush, use the hole in its handle to hang it up to dry. Never leave a paintbrush
sitting in a pot! I use a wire coat hanger turned upside down to dry my brush. (Hook the brush’s handle on the “J” shaped end of the hanger and hook the triangular part of the hanger over a doorknob.) BONUS TIP Can’t find an opener for your paint can? A screwdriver or keys will work, but if you are Canadian the best thing ever is a loonie or toonie to open the lid of a paint can! It’s always available and super strong for this type of job. Thanks Canadian Mint for the convenient opener! Even if you are not the best painter and not using the best paint, great tools will make the job easier, faster and it will look better! If you follow these simple rules, your newly built house or condo will turn into your home in no time.
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
44 YPNEXTHOME.CA
NIAGARA FREEHOLD BUNGALOW TOWNS
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Sales Office Open Tues - Thurs 2-5pm • Sat & Sun 12-4pm Illustrations are artist’s concept. Prices and specifications are subject to change without notice. E. & O.E.
nd
lla We
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Queenston St.
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Dieppe Rd.
St.
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Inspiration Byholma/Marieberg Armchair, Grey, Laila Natural $119 ikea.ca
Debbie Travis Chelsea fourpiece Conversation Set $720 sears.ca
Woven &
WICKER
Uberhaus Soho Bistro Set – Black – Three Pieces $599 rona.ca
Summer sunshine means moving it out-of-doors. This year’s hottest look is wicker. Whether it’s rattan or the modern resin version, this wonderful woven look is as hot as mid-day in July. Don’t be fooled by faded memories of a Miami lanai, today’s wicker is stylish and versatile, and spans from the traditional to the very contemporary! by Elisa Krovblit Vertical Rattan Deck Box with Shelf $300 canadiantire.ca
Resin Wicker Houndstooth Three-Piece Chat Set $600 homesense.ca
46 YPNEXTHOME.CA
Alseda Poof/Ottoman $40 ikea.ca
Experience True Waterfront Living in Stoney Creek
nothing sparkles like a sapphire. Register Today
SapphireCondos.ca With its sweeping vistas of Lake Ontario and the uninterrupted, and seemingly endless sky, Sapphire is the crowning jewel of waterfront living. More than just beautiful, Sapphire delivers a modern, active lifestyle on the cusp of the water with the beautiful Waterfront Trail at your door and untouched greenspace and incredible parks mere minutes away. Waterfront Condominiums from
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Illustration is artist's concept. Prices and specifications subject to change without notice. E. & O. E.
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NEW-HOME BUYERS, WHO’S WATCHING YOUR BACK?
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五月二十一日至六月二十五日 / MAY 21 - JUN 25, 2016 VOLUME 5, ISSUE 4, 免費贈閱 CHINESEHOMEGUIDE.COM
IT IE S
spotlight on condos
COMING FALL 2016
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6 USEFUL TIPS FOR
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FIRST-TIME BUYERS
HOTTEST TRENDS FOR
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即將推出標誌性名廈
IT’S HIP to be
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RENOVATING SMALL SPACES
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本期內容
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細閱新樓買賣合約 及收樓時的成交費
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SHOWCASING THE
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Exploring the GTA’s top builders and developers
THE EXPERTS WEIGH IN:
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Exploring Ottawa’s top builders & developers
EXPLORING Southwestern
EXPERT PANEL Guiding you through the homebuying process
5 REASONS 2016 is a good year to buy a home
Ontario’s top builders & developers EXPERT PANEL
EXPERT PANEL
Guiding you through the homebuying process
Affordability, location, lifestyle
Guiding you through the homebuying process Bungalows, unicorns & flying cars THE FUTURE OF HOUSING IN ONTARIO
Questions to ask when considering a condo investment
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2016 MODEL SUITE CALENDAR
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Advice | FUNDAMENTALLY SPEAKING
How to avoid your own moving horror story By Wayne Karl
MORE ADVICE ONLINE ypnexthome.ca/news/advice
WHEN BUYING A HOME, you will
likely consult with a team of trusted professionals — a mortgage broker, a lawyer, perhaps a realtor or builder sales associate and maybe a home inspector. Then, assuming you move ahead with your purchase, eventually you will likely need a mover. People often don’t consider a mover as an important member of their team of professionals. However, given the critical role they perform — taking possession, at least temporarily, of all your worldly goods and moving them without loss or damage — it’s a function not to be taken for granted. Not doing your due diligence and taking the time to select a reputable mover can invite untold problems. Case in point: the following example, which admittedly doesn’t involve a new-home move, but the experience is all too common. So is the lesson learned — unfortunately, the hard way. I recently contracted a “professional” moving company to carry out a last minute move of five pieces of furniture on behalf of my son, a university student. For a variety of reasons, we decided to hire movers rather than rent a truck. After calling several firms — including large, well-known companies and smaller, independent ones — I selected a moving company in Whitby, where the pick-up was to take place. Drop-off would be in Waterloo. We agreed on price ($350) and time 50 YPNEXTHOME.CA
(9 a.m.) — after I was very clear the move would involve an out-of-town destination. All details were confirmed in a “contract” exchanged via email. The crew was on time for the move the next morning, but almost immediately began talking about a higher rate — $360. Not a huge difference, but it immediately raised my suspicions. I’ll spare you all the gory details, but it’s important to share the lowlights of what happened next: » The company I originally contracted the job to the night before was inexplicably unavailable to actually do the move the next morning, and apparently passed it off to another firm. » My original contact, who was easily available on cell phone repeatedly the night before, suddenly was nowhere to be found. » Once the truck was loaded, the fee increased to $450. » Upon arrival in Waterloo, the movers said the fee was $500. “It’s taking longer than we thought, and the furniture is heavier.” » “Sure,” I said, “right after I call the police.” With that, the sordid tale ended. The job not complete, left for us to move the furniture indoors, now the
victims of one of the top 10 scams monitored by the Better Business Bureau (BBB). “I could write a thesis on this,” John Levi, president of the Canadian Association of Movers (CAM) told me. CAM offers consumers the following tips on how to avoid being scammed by unscrupulous movers: » Find reputable movers through the CAM, BBB or provincial government consumer protection agencies » Ask three movers for estimates in writing » Get the terms and conditions in writing » Ensure your goods will be protected for loss or damage » Read customer reviews on movers’ websites and other forums “Consumers have recourse with their provincial government’s consumer affairs department and with the Better Business Bureau,” says Levi. “Both of these avenues are fraught with difficulties and often take many months to come to some form of resolution — satisfactory or otherwise. And often, the mover simply out-waits the consumer. “It’s far simpler and more effective to engage a reputable mover in advance rather than trying to fix a bad situation after the fact.” My example, though painful and infuriating, is minor compared to other common horror stories involving similarly unsuspecting clients. Make sure you take the proper steps — and the time — to protect yourself. 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.
Homebuyers’ Help
Compare mortgage rates for your best deal CHARTERED BANKS ATB Financial Alterna Bank Bank of Montreal Bank of Nova Scotia
variable 2.6 4.00op 2.35 6.30op 2.7 6.75op 2.9
Canadian Western Bank 6.45op 2.7
CIBC
6 months
1 year
2 years
3 years
4 years
5 years
4 4.00op 4 6.30op 4 6.75op 4.55 6.45op 4 6.30op
2.94 4.00op 2.85
2.64
2.49
2.64
2.69
2.09
2.59
2.74
2.58
2.89
2.99
3.39
3.89
2.59
3.29 6.50op 3.14
3.09
3.39
3.89
4.49
3.04
3.65
4.2
4.74
2.84 6.35op 3.14 2.84 3 3.20op 3.14
2.79
2.44
4.09
4.79
3.04 2.84 2.94
3.65 2.84 2.84
4.39 2.89 2.79
4.64 2.89 2.89
3.04
3.39
2.74
2.84
2.79 2.39
3.34 2.44
3.99 4.39
4.44 4.64
2.99 6.30op 3.19
2.84
2.29
3.89
2.59
3.24
3.49
3.69
3.79
3.14 3.35
3.25 3.5
3.95 3.7
4.39 4.3
4.64 4.35
2.69 3.14 6.30op 3.29 6.50op
2.14 3.09
2.34 3.39
2.59 3.89
2.64 2.74
3.09
3.39
3.89
4.49
2.85
2.09
2.59
2.74
2.58
2.84 6.30op 2.29 2.89
2.89
2.95
2.99
2.89
2.24 2.79
2.39 2.89
2.49 2.95
2.59 2.89
3.14
3.09
3.39
3.89
4.74
3.25 6.25op 2.84 6.30op 2.99 6.30op 2.8 2.95op 2.45
3.2
3.65
4
4.5
2.79
2.64
3.89
2.49
2.69
3.49
3.99
4.64
2.85
2.95
3.05
3.15
2.55
2.55
2.65
2.65
6.95op Equitable Bank ICICI Bank Canada Manulife Bank National Bank President’s Choice Finan Royal Bank TD Canada Trust Tangerine
2.75 2.6 n/a 6.70op 2.70 2.6 6.75op 2.6
4.45 4.4 6.70op
3.14 6.75op
2.7
TRUST COMPANIES Community Trust Effort Trust Home Trust Company Investors Group Trust MTCC
n/a n/a 6.30op 2.35 n/a 2.9
6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op
OTHER FINANCIAL INSTITUTIONS Alterna Savings Comtech Credit Union First National Fin. LP IC Savings London Life Luminus Financial Meridian Credit Union
2.35 6.30op 2.45
2.7 6.50op n/a 6.50op 3.25 2.4
PACE Savings & C.U.
4 6.30op 6.2 6.40op 3.1 4.25 6.50op 4.2 6.30op
4 5 6.70op
Parama Credit Union
2.65
Steinbach Credit Union
2.25
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 May 19, 2016. Prepared By http://www.FiscalAgents.com/mortgage/rates
JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 51
Ad Index
ADVERTISERS Adi Development - Stationwest
49
Homes by DeSantis - AquaZul
Averton Homes - Averton Square
26
Losani Homes - Wildwood
11
6
Bayview Wellington - Victoria Village
4
Mattamy Homes - Corporate
54 & 55
Bayview Wellington - Passages on the Canal
5
Menkes Developments - Enclaves of Upper Canada
22
9
Branthaven Homes - Explore
28
Mountainview Homes - The Residence at Lookout
Branthaven Homes - Life
29
New Horizon - Sapphire
47
Carriage Gate Homes - Legacy in Ancaster
39
Phelps Homes - Multi-Site
38
Claysam Homes - Multi-Site
23
Reid’s Heritage Homes - Williamsburg Walk
BC
Cosmopolitan Homes - The Enclave
45
Senator Homes - Havelock Corners
19
Surreal Homes - The Lofts
34
43
Thomas Cochren Homes - The Greystones
35
2&3
Tillsonburg Developments - Baldwin Place
18
Countrygreen Homes - Westwood Mews
Eastforest Homes - Woodway Trails
Empire Communities - Multi-Site
52 YPNEXTHOME.CA
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Visit our website: JUNE 4 - 18, 2016 | NEW HOME & CONDO GUIDE SWO 53
CELEBRATING WEEKENDS THE MATTAMY WAY
54 YPNEXTHOME.CA
You wake up in the morning without the alarm. It’s the weekend. The day is yours; how about a coffee on the porch? The kids are already out on their bikes. They whizz by pretending not to notice you. But they can’t contain themselves. You hear their squeals even as they disappear over the rise, pedalling furiously to the park.
The joys of living in a community may be simple but they’re precious. Which is why we consider every possible way to make your life here richer and more fulfilling. Notice how streets in a Mattamy community curve gently to keep traffic slow. Paths and trails weave through our neighbourhoods to give you places to cycle or stroll – even when you have no real destination in mind. And we always include small-town touches like park benches and front porches. So you can always feel connected to your neighbourhood and your neighbours in any Mattamy community you choose.
FOR MORE INFORMATION ON OUR COMMUNITIES VISIT MATTAMYHOMES.COM
Proud Partner of the Canadian National Track Cycling Team
SALES CENTRE HOURS
Monday - Thursday 1 pm-8 pm; Friday 1 pm-6 pm; Saturday, Sunday and Holidays 11 am-6 pm
MATTAMYHOMES.COM
All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.
55
CONDOS IN KITCHENER From the mid $250s
NO CONDO FEES FOR 1 YEAR*
SAMPLE FLOOR PLAN
DUNDEE
BALCONY
H
898 Sq. Ft.
2 Bed, 2 Bath
From $292,900
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STANDARD FEATURES
BEDROOM 10'-3" x 7'-8"
LIVING / DINING
MASTER SUITE
13'-1" x 16'-6"
9'-4" x 13'-9"
• Granite Countertops in Kitchen and Baths • Ceramic and Hardwood Floors
LN
• Stainless Steel Kitchen Appliances • White Stacked Washer and Dryer BR
• Underground Parking Included
DW
KITCHEN
W
10'-8" x 8'-6" CL
• Immediate Occupancy
D WS RI
Tour the model suite today!
WH
SALES CENTRE 155 Commonwealth Street Kitchener, ON. 519.742.4004
SALES CENTRE HOURS Monday - Wednesday Saturday - Sunday
1 - 6 pm 12 - 5 pm
WilliamsburgWalk.ca * Offer valid for a limited time only. Prices and specifications subject to change. See sales consultant for more details. E. & O.E. June 2016.