Southwestern Ontario New Home and Condo Guide - Jul 30, 2016

JULY 30 - AUG 27, 2016 VOLUME 19, ISSUE 14, FREE (4 WEEK ISSUE)

SOUTHWESTERN ONTARIO EDITION

C A R R IAG E G AT E H O M E S O F F E R S A N C A S T E R’ S M O S T P R E S T I G I O U S P R I VA T E C O M M U N I T Y A T L E G A C Y

INSIDE THIS ISSUE

GO WEST, GO WEST, YOUNG HOMEBUYERS!

MARKET SNAPSHOT: SWO NEW HOME PRICES & SIZES

NATURAL SURROUNDINGS, MODERN DEVELOPMENT IN STONEY CREEK

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.

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ME HOMES | CONDOS | COMMUNITIES | EMPIRECOMMUNITIES.COM

Don’t miss your final opportunity to own in Ancaster’s Astoria

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Discover Why Our New Urban Townhomes are KW’s Best Value.

With today’s low interest rates, stepping up on the real estate ladder has never been more timely.

Award-winning developer CountryGreen Homes presents Westwood Mews — contemporary Urban Townhomes featuring open concept plans up to 1,365 square feet. Located in the desirable Westmount area just off Glasgow Street, close to restaurants, shopping, golf, and gyms. Enjoy an upscale lifestyle at an affordable price.

• Great Upscale Neighbourhood - In Kitchener on the border of Waterloo - Enjoy Kitchener’s lower property taxes • Modern Open Concept Layouts • Close to the Campus • Single Level Models Available • Exterior Maintenance Free Living!

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Great Value, Great Lifestyle!

www.countrygreenhomes.com • Call: 905-630-5803

1 40

Tues/Wed 2-7 p.m. Sat/Sun – 11-4 p.m.

Thursday, Friday & Holidays By Appointment E: sales@countrygreenhomes.com

TO

Visit us at our Rosemount Model home 152 Rosemount Drive, Kitchener

TO

40 1

contents JULY 30 - AUG 27, 2016 | VOLUME 19 ISSUE 14

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

Helen Pearce

ON THE COVER

12

CO-ORDINATOR

Sandra Hanak-Vujnovic

Carriage Gate Homes

GRAPHIC DESIGNER

Offers one of Ancasters most prestigious private communities

Miguel Cea CONTRIBUTING WRITERS

property profiles

32

36

46 Fundamentally Speaking

Toronto, Vancouver skew Canadian home sales

New Horizon Homes

The Gatsby’s final phase at City Square

Losani Homes

Central Park: New community in desired area

city focus

48 Stoney Creek

Natural surroundings and modern development

40 Mountainview Homes Luxurious condo living can be yours at Elements

44 Rosehaven Homes

Affinity Condos – it’s in your nature

buyers’ resource section

15

New releases and grand openings

trending

20 Southwestern Ontario A look at new home prices and sizes in SWO market

advice

14

Fred Losani

Go west, go west, young homebuyers!

24 Mortgage Advice

5 ways to make buying a home more affordable

Hot Properties Kitchener-Waterloo & London

25 Hot Properties Hamilton New releases and grand openings

51

Mortgage Rates

in every issue

10 Editor’s Note 52 Advertiser Index 53 What’s Online

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 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.

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BY COCKTAILS IN THE PARTY ROOM. DESIGNER SPACES. THE VERY BEST IN QUALITY. THE REGION’S BEST LOCATION MINUTES TO THE COVETED LAKESIDE COMMUNITY OF PORT DALHOUSIE AND TRENDY DOWNTOWN ST. CATHARINES. YOUR HOME AT ELEMENTS... WHERE LUXURY IS STANDARD.

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Editors' Notes

SUSAN LEGGE Editor-in-Chief / Director of Content Yellow Pages NextHome Email: Susan.Legge@ypnexthome.ca Twitter: @SusanLegge

STONEY CREEK

SEE MORE ONLINE ypnexthome.ca/stoney-creek

Getting good advice When you tell people you’re shopping for a place to buy, you’ll find almost everyone will want to share their own experience. Some will offer personal advice while others will frighten you with details about a “friend’s” disastrous experience. With so many variables, it can be hard to figure out what’s actually good advice.

It’s always best to get advice from the experts, especially when it comes to buying a home. No matter what your Uncle Joe says, when you’re

equipped with the right expert advice for your situation, you can move forward by making confident decisions that are right for you and your family.

Much of what you’ll want to know about the road to finding the perfect place is right here in this magazine. If you don’t find what you’re looking for, write to us and we’ll help get you an answer from one of our experts.

Let us know how your search goes.

We’d love to hear from you.

Housing policy under watch

WAYNE KARL Senior Editor

Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl

+ get social 10 YPNEXTHOME.CA

The Bank of Canada recently made its latest interest rate announcement and Monetary Policy Report.

As expected, the BoC again held its overnight rate target at 0.5 per cent.

With its Monetary Policy Report and other moves from the federal government, however, many experts expected action.

Though none was forthcoming in the July report, potential changes in mortgage regulations and housing policy seem inevitable in the coming weeks or months. In June, federal Finance Minister Bill Morneau commissioned a joint federal,

provincial and municipal working group to study the housing market, largely to address market stresses in Toronto and Vancouver.

The challenge with any action to tackle skyrocketing prices and declining affordability in these cities will be to not negatively affect other markets where such characteristics do not exist.

Markets such as Calgary, Edmonton and other parts of Canada are experiencing very different conditions than Toronto and Vancouver. Indeed, if anything, they need changes to help, not hinder homebuying activity.

Interact with us on social media: ypnexthome

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Property Profile | CARRIAGE GATE HOMES

cover story

Carriage Gate Homes Offers one of Ancaster’s most prestigious private communities SITUATED IN ONE OF ANCASTER’S most established neighbourhoods, Legacy offers some of the finest collections of elite residences present in the Hamilton area.

An intimate enclave of single-family homes on 50-, 55-, 60- and 66-ft. lots, the estate-inspired residences are distinguished for their timeless architectural designs. Situated off Lime Kiln Road and currently under construction, Legacy features architecturally distinctive bungalows, 12 YPNEXTHOME.CA

bungaloft and two-storey designs, ranging in size from 2,364 to 4243 sq. ft. and priced from the $900’s.

Recognized as one of Ontario’s leading home builders, the company’s reputation for integrity, approachability and fine craftsmanship is reflected in this incredible new home community.

Offering discerning homeowners a true private oasis, Legacy was recently presented with three prestigious awards by the Hamilton-Halton

Home Builder’s Association, including awards for the Best Exterior, Best Kitchen, and Best Custom Home.

Legacy was also nominated for the prestigious Project of the Year award.

Exquisitely designed both inside and out, Legacy offers only the finest features and finishes. The architecturally designed exteriors feature a striking combination of stone, stucco and genuine clay brick.

Interiors at Legacy include bright, open-concept floorplans, nine and

Location

Ancaster Builder

Carriage Gate Homes Development

Legacy Home Type

Single-family homes on 50-, 55-, 60- and 66-ft. lots Sales Centre

245 Lime Kiln Rd., open Monday to Thursday 3 to 7 p.m., Saturday and Sunday noon to 5 p.m., Friday by appointment Contact

carriagegatehomes.com 905.975.9191 paulc@efforttrust.ca

10-ft, ceiling heights, single sided direct vent gas fireplaces, natural oak staircases and engineered oak hardwood flooring. Meticulously designed, the chef-inspired gourmet kitchens feature extended height upper cabinetry, granite countertops, “prestige” wood grain melamine interiors, large centre islands, and imported ceramic porcelain flooring. With beautiful full size baths, walk-in closets and spacious master bedrooms, there is

nothing amiss at the Legacy.

Nestled among the Niagara Escarpment, residents at Legacy will enjoy the neighbourhood’s extraordinary lush green setting.

Surrounded by ridges and creeks, ponds and waterfalls, scenic parks and prominent golf courses, Legacy brings the wonder of the outdoors right at your doorstep. Residents are also a short distance to the historic Ancaster Village, where they will find an amazing array of

boutique shops, fine dining, the town library and so much more. Modern conveniences also abound, with big box stores, movie theatres and big-chain restaurants just a few kilometres away.

A residential home builder with 30 years of experience, Carriage Gate Homes has earned a solid track record for its high calibre of homes throughout the Hamilton and surrounding areas. The company’s award-winning craftsmanship and exceptional designs have contributed to its long-standing reputation for building custom-quality homes, and Legacy is no exception. Epitomizing fine living, the new collection of family residences provides homebuyers with unsurpassed timeless luxury in the most soughtafter new home community in the Ancaster-Hamilton area.

The Legacy Sales Centre is located at 245 Lime Kiln Rd. in Ancaster.

Hours are Monday to Thursday from 3 to 7 p.m., Saturday and Sunday from noon to 5 p.m., Friday by appointment only. For more information, please visit carriagegatehomes.com Interested homebuyers can also contact Paul Ciardullo, broker, Effort Trust, at 905.975.9191 or paulc@efforttrust.ca JUL 30 - AUG 27, 2016 | NEW HOME & CONDO GUIDE SWO 13

Advice

Go west, young homebuyers!

By Fred Losani

MORE ADVICE ONLINE ypnexthome.ca/news/advice

AS THE CEO OF A HAMILTON, Ont.based home building company, I am keenly aware of the current movement of new-home buyers looking west of the Greater Toronto Area for value. More than 30 per cent of our recent purchasers in the Hamilton-Niagara area are moving out from central Toronto and the Greater Toronto Area, because they appreciate the choice and attainable price points they find in the west.

Their reasons vary. First-time buyers are seeking affordability so they can enter the new home marketplace and build equity over time. We also see couples wanting to start and/or raise their families in a home with a bit of land – maybe a backyard big enough for a play set and a game of catch. Even young-atheart empty-nesters are heading west looking for a pleasant retirement spot that won’t eat up all of their savings and the substantial profit they made by selling their large Toronto homes.

A major impetus in this migration is the announcement of the expansion of GO rail service between the planned Confederation GO Station in Hamilton into the Niagara Region in 2021. If all goes according to plan, service to Niagara Falls is expected to begin in 2023. Just look at how home prices have jumped in areas across the GTA when public transportation is brought into them. Buyers in the west understand that in addition to making their lives more convenient for commuting and getting around, especially if they commute to Toronto, the GO expansion will make their 14 YPNEXTHOME.CA

homes more desirable for future resale.

The Hamilton-Niagara Region is just an hour west of the GTA, yet the amount of home you can get for the price is phenomenally more. For many young professionals who have been engulfed in the hectic urban lifestyle, moving “out” of the city core is appealing, regardless of whether they have children. Comparing apples to apples, they can simply get more square footage, more land and a less frenetic daily life for their money.

It’s not just Losani Homes feeling the impact of this trend. In April, home sales in the Niagara Region soared 22.2 per cent over a year ago, and prices climbed 11.4 per cent over the same timeframe last year.

According to the Ontario Chamber of Commerce, this region offers affordable alternatives to the GTA and also cites the expanded GO service plans as a step that will increase the movement.

In the ReMax 2016 Housing Market Outlook, the phenomenon of people leaving high-priced cities and opting to live in the regions around them is called “a spillover effect.” According

to that report, Hamilton’s affordability and availability of single-family homes was increasing the demand in the region in 2015. In response to this demand, Losani Homes will soon introduce Central Park, which will be one of the largest masterplanned communities in Hamilton and will offer housing types for the spectrum of purchasers. The Mayor of Niagara Falls, Jim Diodati, stated that approximately half of new-home buyers in that growing city are from the Greater Toronto Area, and that new home communities are selling out quickly.

Homebuyers with vision are becoming part of the spillover effect, and we welcome them to migrate west for value and lifestyle.

Fred Losani is CEO of Losani Homes, one of Hamilton’s most awarded home builders and a family owned and operated company. Losani Homes prides itself on providing innovative design, superb quality finishes and exemplary customer service, as well as giving back to the local and global community. 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 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

new releases HAVELOCK CORNERS

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

By: Senator Homes City: Woodstock Housing type: 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

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

new openings

WESTWOOD MEWS

THE ENCLAVES OF UPPER CANADA

By: CountryGreen Homes City: Kitchener Housing type: Urban townhomes up to 1,365 sq. ft. from the mid $200’s 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

JUL 30 - AUG 27, 2016 | NEW HOME & CONDO GUIDE SWO 15

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

SITES

PRICES

Bradford

BW HOMES

Green Valley

•

Elmira

CLAYSAM HOMES

Elmira

•

Innisfil

BW HOMES

Alcona Shores

•

Kitchener

COUNTRY GREEN HOMES WestWood Mews

Kitchener

LOSANI HOMES

Doon Creek

Kitchener

LOSANI HOMES

Kitchener

•

•

•

PAGE 4

from $304,900

18

4

•

from mid $200's

7

•

from mid $400's

6

Victoria Common

•

from mid $300's

6

REID'S HERITAGE HOMES

Williamsburg Walk

•

from $249,900

Meaford

REID'S HERITAGE HOMES

Gates of Kent

Paris

LOSANI HOMES

Simply Grand

Plattsville

CLAYSAM HOMES

Plattsville Estates

Port Elgin

REID'S HERITAGE HOMES

Summerside

Tillsonburg

TILLSONBURG DEV.

Baldwin Place

Woodstock

CLAYSAM HOMES

Neighbourhoods Devonshire

Woodstock

SENATOR HOMES

Havelock Corners

•

•

•

•

•

•

23

from low $300's

from $334,900

•

•

•

•

BC

6

18

22

•

from $256,500

21

•

from $259,900

18

•

from low $400's

19

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

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

Now Building...

HOLMES APPROVED HOMES

Built Right From The Ground Up

Towns & Semis

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 1399 Caen Ave. Woodstock, ON Woodstock

Phase 4 Single-Detached Coming Fall 2016!

50’ Lots with bungalows & two-storeys STARTING FROM

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New Phase Coming Soon - Register Now! Towns & Singles PHASE 2 NOW SELLING STARTING FROM

$304,900 Elmira serviced in all our communities

Visit our website for MODEL HOME hours.

Prices and specifications are subject to change without notice. E. & O. E.

79 Country Club Estates Dr. Elmira, ON

claysamhomes.com

Trending

Southwestern Ontario new home market

By Phong Ngo

THE STRONG CONSUMER DEMAND seen in some of Southwestern Ontario’s key markets in the first quarter continued into the second quarter of the year. As a result, new home unsold inventory levels dropped significantly in markets such as Guelph, Hamilton and Kitchener. The prices of some of the unsold inventory as of the end of the second quarter were higher than that of the first quarter.

The average price of unsold townhomes in Guelph was

just under $395,000 and in Kitchener slightly more than $357,000. In Hamilton, the average price of unsold detached offerings on 50- to 59-ft. front lots was almost $879,000.

MORE TRENDING ONLINE nexthome.yp.ca/news

Hamilton

Guelph

Average New Home Prices

1M+

1M+

$

$

Waterloo

Apartment 989 sq. ft.

1M+

$

$

Cambridge

Detached Detached 40-49 ft. 50-59 ft.

2,312 2,186 sq. ft. sq. ft.

Townhouse 1,408 sq. ft.

Detached 40-49 ft.

2,363 sq. ft.

Kitchener

Average New Home Prices

1M+

Apartment 809 sq. ft.

Detached 40-49 ft.

2,000 sq. ft.

Detached 50-59 ft.

2,582 sq. ft.

$393,447

Townhouse 1,490 sq. ft.

$459,490

Semi Detached 1,896 sq. ft.

$200's

$422,490

$303,724

Detached Detached 50-59 ft. 60-69 ft.

2,977 3,400 sq. ft. sq. ft.

$357,046

Detached 40-49 ft.

2,404 sq. ft.

$392,900

Detached 30-39 ft.

2,082 sq. ft.

$886,394

Apartment 909 sq. ft.

$707,019

$336,883

Townhouse 1,130 sq. ft.

$590,014

$254,990

Detached 40-49 ft.

2,510 sq. ft.

$500's

$494,638

$603,127

$573,030 Detached 30-39 ft.

2,207 sq. ft.

Apartment 1,008 sq. ft.

$

$500's

$200's

Townhouse 1,401 sq. ft.

Average New Home Prices

1M+

$

$500's

Detached 50-59 ft.

2,457 sq .ft.

Brant & Brantford

Average New Home Prices

1M+

$

$507,063

Detached 30-39 ft.

1,948 sq. ft.

$386,240

Apartment 880 sq. ft.

$200's

$571,913

$399,145

Townhouse 2,043 sq. ft.

$344,385

$475,935

Detached 60-69 ft.

3,173 sq. ft.

$488,036

$1,066,467

Detached 50-59 ft.

2,532 sq. ft.

$470,148

$640,716

Detached 40-49 ft.

2,502 sq. ft.

$200's

1M+

$500's

$413,366

$602,779

$500's

$511,655

$500's

Apartment 942 sq. ft.

Average New Home Prices

$502,490

1M+

Townhouse 1,405 sq. ft.

Niagara Falls

Average New Home Prices

$

Detached 30-39 ft.

2,158 sq. ft.

Detached 40-49 ft.

1,987 sq. ft.

$328,029

Townhouse 2,075 sq. ft.

Centre Wellington

Average New Home Prices

$200's

Detached 50-59 ft.

2,888 sq. ft.

$200's

$428,400

Detached 30-39 ft.

2,068 sq. ft.

$314,216

Apartment 789 sq. ft.

$512,503

Townhouse 1,491 sq. ft.

$769,945

Semi Detached 1,938 sq. ft.

$200's

$500's

$497,768

$373,273

Detached Detached 50-59 ft. 60-69 ft.

3,222 2,971 sq. ft. sq. ft.

$394,881

Detached 40-49 ft.

2,305 sq. ft.

$519,432

$878,926

$1,173,689

$500's

$562,490

$500's

$200's

Average New Home Prices

$399,218

1M+

$

$200's

Welland

Average New Home Prices

Townhouse 1,620 sq. ft.

Source: Altus Data Solutions (Altus Group Q2 2016) Phong Ngo is the New Homes Research Director at Altus Group, the official source of new home information for the Building Industry and Land Development Association, and a member of Waterloo Region Home Builders’ Association, Hamilton Halton Home Builders’ Association and Guelph & District Home Builders’ Association.

20 YPNEXTHOME.CA

BALDWIN PLAC E T IL LS O N BU R G

HOME

SWEET HOME

Baldwin Place

Great Homes, Great Lifestyle, Great Neighbours Come and see for yourself All-brick, detached, freehold homes starting at $256,500 (incl.hst) 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.

Call us now at 1-800-265-5709 baldwinplace.ca

IN EL G RT PO FROM THE

240s

$

Only minutes to Lake Huron

Larger Layout Two-Storey Townhomes 2 or 3 Bedrooms & 1.5 or 2.5 Baths. 1,358 - 1,388 Sq. Ft. Ceramic & Plush Carpet Flooring • Energy Star Qualified • Construction Already Underway • Move in Fall 2016

SALES CENTRE & MODEL HOME 202 Gregor Drive, Kincardine, ON P. 519.389.4848 C. 519.385.0044

ReidsHeritageHomes.com

SALES CENTRE HOURS Thursday to Monday 12 pm - 5 pm Additional appt. times available

@RHHQualityHomes

Prices Prices and and specifications specifications subject subject to to change. change. See See sales sales consultant consultant for for more more details. details. E. E. && O.E. O.E. June July 2016.

2016.

M EA FO RD FROM THE

300s

$

Only 30 minutes to Collingwood and Blue Mountain

Quick Move-In Bungalow Townhomes 2 Bedrooms & 2.5 Baths. 1,544 - 1,556 Sq. Ft. Energy Star Qualified Homes • Hardwood & Ceramic Flooring • High Efficiency Furnace • Five Appliances

SALES CENTRE & MODEL HOME 101 Empire Lane, Meaford, ON P. 226.662.0051 C. 705.443.2653

ReidsHeritageHomes.com

SALES CENTRE HOURS Friday 12 pm - 5 pm Additional appt. times available

@RHHQualityHomes

Prices and specifications subject to change. See sales consultant for more details. E. & O.E. July 2016.

Advice | MORTGAGE ADVICE

5 ways to make buying a home more affordable

By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

A RECENT BMO SURVEY FINDS nearly

one-third of millennials don’t think they’ll ever be able to afford a home.

Although many believe they can’t afford to buy, it is possible.

Here are some tips on how to make purchasing a home less costly: Save: Setting realistic financial expectations, creating a savings plan and establishing a budget for before and after the purchase can help determine what is truly affordable Use a mortgage affordability calculator to determine what your purchase price can be and understand all the costs involved in buying a home. Think not only of the down payment and mortgage payments, but also of the taxes, insurance, and upkeep you’re going to have to pay. The nest egg you accumulate by being frugal and resourceful shows lenders that you’re responsible, making it easier to qualify for the best mortgage rates available.

Saving doesn’t mean giving up every pleasure in life. It implies a degree of moderation and discipline.

Think of your future home as a monthly bill now and put aside a little bit each month. Pay close attention to your credit score as well. Missing even one credit card payment can stay on your credit reports for as long as 10 years and affect your dream of owning a home.

Avoid a high-ratio mortgage: A highratio mortgage is when a buyer makes a down payment of less than 20 per 24 YPNEXTHOME.CA

cent. Homebuyers can put down as little as five per cent when they buy a home, but they’ll also need to pay for mortgage default insurance.

The less money you put down, the higher your mortgage insurance costs will be. For example, if you purchase a $450,000 home with five per cent down, you’ll have to pay $15,300 in mortgage default insurance, which is added to the amount of your mortgage. If you make a 20 per cent down payment, you’ll need to come up with more money but you’ll also save thousands of dollars because you won’t need to pay for mortgage insurance.

payment is the Home Buyers’ Plan (HBP). The Canadian government allows first-time homebuyers to borrow up to $25,000 tax-free from their registered retirement savings plan (RRSP). If you’re purchasing with someone who’s also a first-time homebuyer, you can both access $25,000 for a total of $50,000. You don’t have to be married to qualify because common-law partners are also eligible. However, since the HBP is considered a loan, it must be repaid over a 15-year period.

Repayments start in the second year after you withdrew the funds.

Lower your expectations: It can be difficult to find the perfect home in your desired location. There’s no shame in buying a fixer-upper in a less desirable neighbourhood and spending the money to do some renovations. It’s a good investment and is even better if you can do it yourself. As others buy in your neighborhood and renovate their homes, your property will become more valuable. Then you have a choice: You can sell your modest first home for more than you bought it for or stay put and enjoy.

Become a landlord: Buying a home with a basement apartment and a tenant can help pay off your mortgage faster. But you shouldn’t count on the rent you receive to cover all of your mortgage costs.

You should be prepared for the unexpected. Even the best tenants move out and your lender will still expect you to make your mortgage payments on time.

Tap into government resources: One great source of funding for a down

Alyssa Furtado is founder and CEO of RateHub.ca, a website that compares mortgage rates, credit cards and deposit rates with the goal to empower Canadians to search smarter and save money.

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Property Profile | NEW HORIZON DEVELOPMENT GROUP

New Horizon releases

The Gatsby’s final phase at City Square Location

Hamilton Builder

New Horizon Development Group Development

The Gatsby Home Type

Art Deco-inspired condos 530 to 1,000 sq. ft. from the low $200’s Contact

newhorizonhomes.ca

THIS IS IT – your final opportunity to live in a brand new, gorgeous, Art Deco-inspired condo building in an historic community, featuring a convenient proximity to all Hamilton has to offer.

The Gatsby is the third and final phase in New Horizon Development’s City Square project, which marks the first new build in 25 years in Hamilton’s beloved Durand neighbourhood. Thanks to the vision of New Horizon, this unique setting is enjoying an incredible new chapter.

Situated in a prime location that boasts a history all its own, plus a convenient proximity to major amenities including transportation and shopping, this last phase complements the two already-sold sites at 85 Robinson St. This build marks the culmination of a vision that began in 2001, when New Horizon proposed creating a market for new-build condos in a downtown where it previously didn’t exist. The company’s goal was to 32 YPNEXTHOME.CA

New Horizon has been driven to redefine the buyer’s expectations for what a home can be. work closely with community groups and immediate neighbours to ensure the development was well received.

It chose to model City Square after the Art Deco tradition, a revered style that perfectly matched New Horizon’s aesthetic goals for the site: modern, elegant and forward-thinking.

The result?

The first two towers were almost sold out in 30 days and the architectural vision has earned New Horizon appreciative nods from both the design community and locals on the street alike.

Residents in the 176 new units already enjoying life at City Square have declared that they’re in love with their new homes, especially with the Square’s proximity to James Street South and the GO Station, a park across the street and St. Joseph’s Hospital right around the corner.

In fact, many happy owners have commented that they had been waiting for the right new home to move into so they could come back to the Durand neighbourhood to live.

With its commitment to providing residents with just the right amenities, offering convenient services without

high maintenance costs and condo fees, New Horizon is also committed to leaving as little a footprint as possible. The Gatsby, therefore, is a completely Green building, boasting geothermal heating and cooling.

The newest addition to City Square will see 102 new units built, ranging in size from 530 to 1,000 sq. ft.

“As developers,” says Joe Giacomodonato, vice-president of New Horizon Development Group, “we are extremely proud of the architecture, quality of the suites and the practicality of the amenities that are offered at The Gatsby Condos at City Square. And the fact that the building offers geothermal heating and cooling to all of its residents is a big benefit.”

Since 1993, New Horizon has continually proven itself to be a leader in building communities with picturesque settings, where savvy design and high quality craftsmanship provide convenience and comfort.

Whether it be custom estates, planned neighbourhoods or condo developments, New Horizon has been driven to redefine the buyer’s expectations for what a home can be.

Prices start at the low $200’s and occupancy is slated for fall 2018.

For more information, visit newhorizonhomes.ca and click on Current Communities.

JUL 30 - AUG 27, 2016 | NEW HOME & CONDO GUIDE SWO 33

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Property Profile | LOSANI HOMES

Hamilton’s Central Park An inspiring new community in a sought-after market HAMILTON WILL SOON be home

to one of the largest and most innovative master-planned communities in the country – Central Park – to be developed by Losani Homes, one of Ontario’s most respected new home developers.

This master-planned community of residences will be located in the heart of booming East Hamilton, one of the strongest real estate markets in the province, with pricing that is well below those in the Greater Toronto Area. Convenience is key at Central Park. The development is perfectly located for easy travel; the community is only a four-minute drive to both the Lincoln M. Alexander and Red Hill Valley Parkways, which connects to the QEW and 403 in less than 10 minutes.

Central Park will be a new community in every way, offering a safe and secure family-oriented environment in a highly desirable location. It will feature a variety of designs for detached homes and 36 YPNEXTHOME.CA

towns, convenient commercial space, and will be close to major retail, shops, parks and schools.

Losani will begin with the Park Avenue neighbourhood. The first phase will be located between Highland Road West and Rymal Road East, right next door to the beautiful protected conservation lands of Eramosa Karst. Park Avenue will be at the heart of the community and offer elegant freehold townhomes and detached homes on 33- to 50-ft. lots, with some homes near Albion Park, the central park of the development or the neighbouring 78 hectacres of parkland of the Eramosa Karst.

Future neighbourhoods such as Soho, featuring six midrise condominium buildings, Madison, featuring two midrise condominium buildings and urban towns, and Midtown, offering three-storey urban towns, will follow.

Losani recently added two new inspiring design collections to its repertoire – the Tuscan and Modern Collections – at Central Park, creating

a diverse streetscape.

Everything you need is within walking distance at Central Park, with an abundance of neighbourhood amenities including the Power Centre, as well as a Sobey’s, Home Depot, Starbucks, eateries and a Cineplex.

Recreational facilities, such as golf courses, arenas and community centres, are highly accessible by foot or bike. Accessibility by foot, bike or car is a key feature of Central Park – you truly are central to everything.

Central Park will also be a nature lover’s paradise, with the Bruce Trail, Felker’s Falls, Billy Green Falls, Albion Falls and Billy Monkley Falls all close by. Nature truly is just outside your front door.

Losani Homes is celebrating its 40th Anniversary in 2016.

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MIDTOWN Own an urban town steps from the eco trail promenade, just a hop, skip and a jump from the Park!

Our very first Phase is right by the Park and the Eramosa Karst with magnificent detached homes on 33-50’ lots, and freehold townhomes too!

There’s a place for everyone in Central Park. Welcome to the most innovative and the largest master-planned community Hamilton has ever seen! Choose from distinct characterfilled neighbourhoods with an inspired choice of lot types and designs built around a magnificent park next to nature and a stroll from shopping. Live near the eco trail promenade where the 10 km East Mountain Loop Trail leads to the Eramosa Karst right next door and then on to the Bruce Trail. Every kind of home for every kind of family! Coming this Fall.

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Property Profile | MOUNTAINVIEW HOMES

Luxurious condo living can be yours at Elements Condominiums NOW OPEN — Enjoy Niagara Region living at its best at Elements in St. Catharines THE NIAGARA LIFESTYLE IS COVETED by so many. The

beautiful beaches, vast vineyards, exciting nightlife, delicious dining, fabulous shopping, quaint downtown streets and convenient access to the U.S., Toronto and Hamilton draw visitors each year who dream about calling the region home. Now, this dream can be your reality.

Make this spectacular area your home with a luxurious suite at Elements urban condominiums in St. Catharines.

Imagine… coffee on your balcony, followed by breakfast in your gourmet kitchen. Dinner parties followed by cocktails in the party room. Designer spaces showcasing 40 YPNEXTHOME.CA

the very best in quality – it’s luxury condo living combined with the very best of the Niagara Region at your fingertips.

It’s not a dream, it’s your home at Elements – a modern three-storey urban condominium, minutes to the lakeside community of Port Dalhousie and trendy downtown St. Catharines. Here, you’ll enjoy the lifestyle you’ve always wanted in a stunning home where luxury is standard.

Niagara’s largest home builder, Mountainview Homes, has joined forces with Astra Capital to bring a new level of luxury condo living to the Niagara area with Elements urban condominiums. Priced from the mid $200’s,

homeowners are able to choose from three thoughtfully designed floorplans that are sure to impress.

The Breeze offers 963 sq. ft. of living space with an open-concept Great Room, dining room and kitchen. This two-bedroom, plus den suite features two bathrooms, a spacious balcony and a master suite complete with his and hers closets and ensuite.

The Terrain is a stunning two-bedroom corner suite offering 948 sq. ft. that includes two bathrooms, a master with a spacious walk-in closet and ensuite, a large open living space and kitchen complete with a centre island perfect for entertaining, and a wrap-around corner balcony.

The Tide is 641 sq. ft. of well-designed living space and offers one-bedroom plus den, an open space Great Room and kitchen perfect for gatherings, and a lovely balcony.

All suites at Elements come with luxury standards not found at other condominiums – convenient in-suite laundry, a stunning outdoor space, luxury vinyl plank flooring and quality 32-oz. Berber carpeting, stainless steel appliances, a quality luxurious kitchen, upgraded satin nickel hardware, bathrooms with glass shower doors and Moen Rainforest showerheads, and six months of free Internet, phone and cable to name just a few, and of course Mountainview Homes’ trusted, quality and awardwinning craftsmanship.

Location

St. Catharines Builder

Mountainview Homes Development

Elements Home Type

Urban condominiums from the mid $200’s Sales Centre

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Contact

elementscondo.com 289.362.4841

Elements is now open! Stop by the sales centre at 218 Lakeport Rd., Unit 6, St. Catharines to discover why these luxurious suites won’t last! Sales centre is open Monday to Wednesday and Saturday and Sunday noon to 6 p.m.

For more information, visit elementscondo.com or call 289.362.4841 You won’t want to wait!

JUL 30 - AUG 27, 2016 | NEW HOME & CONDO GUIDE SWO 41

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There is a certain magic about living in a waterfront community. You’re keenly aware of nature and all its myriad moods, but more than anything, you gain a sense of inner peace. Living at Shelter Cove gives you all this, plus more.

This gated community assures your privacy and security with controlled access. What’s more, the on site amenities are stunning. Consider your own private marina, a 5,000+ sq. ft. exclusive clubhouse, exquisite swimming pool, planned walking trails, residents’ gardens and boat and RV storage, with Selkirk Provincial Park just next door.

But that isn’t all. Shelter Cove’s homes are exceptionally affordable with prices starting from $165,000, while leasehold tenure saves you the capital outlay of a serviced building lot. It’s a smart way to live the lifestyle many others only dream about.

Nearby amenities include shopping, quality healthcare, golf courses, fine dining establishments, orchards, wineries and more.

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Shelter Cove Waterfront Community is one of the last naturally protected inlets on the north shore of Lake Erie, situated at the mouth of the Sandusk Creek. It’s within 40 minutes of Hamilton.

Directions: Take the Hwy. 403 exit at the Hwy. 6 bypass to Hamilton International Airport; continue south on Hwy. 6 to Hagersville; left on King St. E./Indian Line Rd.; right on Cheapside Road to Shelter Cove on Lake Erie. Or take Hwy. 20/56 from the QEW south to Hwy. 3, west to Cheapside Road, south to Shelter Cove on Lake Erie.

Property Profile | ROSEHAVEN HOMES

Affinity Condominiums It’s in your nature A NATURAL CHOICE, Affinity

Condominiums are nestled in the revitalized community of Aldershot in Burlington, where lush trees and foliage create a canopy above waterfront trails and parks, and nearby stores, services and transit provide a network of everything you need.

Rosehaven Homes, known for building beautiful affordable luxury homes in Southwestern Ontario, is pushing the envelope and applying its attention to detail and long construction history to the world of the condominium. The two, six-storey buildings of Affinity will certainly be a fresh face for Plains Road East.

“We feel these buildings truly relate to the unique needs of condo living,” says Heather Weeks, marketing manager at Rosehaven Homes. “We can’t wait to bring these innovative 44 YPNEXTHOME.CA

residences to Aldershot.”

Contemporary in their architecture, the modern buildings of Affinity are designed with active lifestyles in mind.

There is a gym in each of the two buildings, making morning workouts a breeze, while party rooms and rooftop terraces in each building are ideal for entertaining. Affinity has you covered from wind-up to wind-down.

Ranging from one-bedroom to two-bedroom plus den, the units provide perfect launch pads for getting in the flow and are the ultimate spots to land after a long day. Thoughtfully designed layouts make the most out of your space – contemporary finishes such as sleek quartz countertops, glass tile backsplashes and wide plank laminate flooring add elements of style at every turn. Naturally, light is always top of

mind in a Rosehaven-built home and the windows of Affinity ensure you can truly let the outdoors in.

Speaking of the outdoors, Affinity is surrounded by fresh-air opportunities.

Step outside and instantly connect to recreation and activities – bike lanes, hiking trails, waterfront walks – it’s all here. It takes no time to discover that the neighbouring swimming pool, tennis courts, ice arena and sailing club are all around the corner and you’ll quickly become a professional birdwatcher when you walk the pathways that follow the tranquil shoreline of Lake Ontario.

When it comes to getting to and from Affinity, the nearby GO Train station provides easy commuting to the city while the local bus stops virtually at the front door, connecting riders to shopping, dining and the cultural highlights of Burlington and beyond.

Affinity is a place where homeowners become one with their neighbourhood and surroundings. Be sure to register for the chance to own at Affinity Condos. After all, “it’s in your nature.”

Register at affinitycondo.com

It’s in your nature

COMING THIS FALL to BURLINGTON Elevate your spirit and inspire your soul. Rosehaven Homes brings you a two-building, 6-storey condominium designed with unrivalled quality and attention to detail.

Prepare yourself to experience the elevated lifestyle that is Affinity.

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Specifications are subject to change. Renderings are artist’s concept.

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Advice | FUNDAMENTALLY SPEAKING

Toronto, Vancouver continue to skew Canadian home sales

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

HOUSING ACTIVITY IN TORONTO

and Vancouver continues to skew the Canadian home sales picture, as these two markets experience characteristics that are very different from the rest of the country.

Statistics from the Canadian Real Estate Association (CREA) show national home sales declined further in June 2016, by 0.9 per cent monthover-month in June 2016. Monthly declines in each of the past two months have left sales activity 2.6 per cent below the record set in April 2016.

“While national sales activity remains strong, there are still significant differences in housing market trends across Canada,” CREA President Cliff Iverson says. “While home sales activity and price growth are running strong in B.C. and Ontario, they remain subdued in other markets where homebuyers are cautious and uncertain about the outlook for their local economy.”

“June sales extended trends observed the previous month,” adds Gregory Klump, CREA’s chief economist. “As was the case in May, the monthly decline in national sales activity was led by the Lower Mainland of British Columbia and markets in or around the GTA. In keeping with the law of supply and demand, exceptionally low inventory combined with high demand continues to translate into strong price growth in these housing markets, where year-over-year price gains have been running in double-digit territory since late last year.”

46 YPNEXTHOME.CA

The number of newly listed homes rose by 2.2 per cent in June 2016, compared to May. New supply climbed among a broad majority of all local markets, led by Greater Toronto, Oakville-Milton, Montreal, Quebec City and B.C.’s Fraser Valley. The return of activity in Fort McMurray following its evacuation in May also contributed to the national increase in new listings.

As for average home prices, the Aggregate Composite MLS Benchmark rose by 13.6 per cent year-over-year to $564,700 in June 2016, the largest gain since December 2006.

For the fifth consecutive month, year-over-year price growth accelerated for all Benchmark property types tracked by the index.

Two-storey single-family home prices continued to post the biggest year-over-year gain (15.5 per cent), followed by one-storey single-family homes (14 per cent), townhouse/row units (13.6 per cent) and apartment units (9.8 per cent).

While prices in 9 of the 11 markets tracked by the MLS HPI posted yearover-year gains in June, price growth continues to vary widely among housing markets.

Greater Vancouver (32.1 per cent) and the Fraser Valley (35.5 per cent) posted the largest gains, followed

by Greater Toronto (16.0 per cent),

Victoria (15.7 per cent) and Vancouver Island (10.6 per cent).

By contrast, year-over-year prices were down -4.1 per cent in Calgary and -1.4 per cent in Saskatoon.

Home prices gained further traction in Regina (3.6 per cent year-overyear), Greater Montreal (1.9 per cent) and Ottawa (1.0 per). Home prices in Greater Moncton recorded their eleventh consecutive year-over-year gain, rising 7.9 per cent.

The national average price continues to be pulled upward by sales activity in Vancouver and Toronto, which remain two of Canada’s tightest, most active and expensive housing markets. The actual (not seasonally adjusted) national average price for homes sold in June 2016 was $503,301, up 11.2 per cent year-over-year.

If these two housing markets are excluded from calculations, the average price is a more modest $374,760, and a 8.4-per-cent yearover-year gain.

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.

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City Focus | STONEY CREEK

Natural surroundings and modern development and growth...

Stoney Creek has it all THRIVING RURAL AREAS, the Niagara Escarpment, Lake Ontario shores, proximity to Ontario’s wine region, hundreds of acres of parks and expanding highway access... All of this defines “home” for the 63,000 residents of Stoney Creek.

To say this is a picturesque town resplendent with lifestyle opportunities is an understatement.

With lakeside locations, marinas and the Fifty Point Marina and Conservation Area, Stoney Creek boasts an excellent combination of natural surroundings and modern but comfortable development. Feel like a nice, quiet walk in the woods?

There’s the Bruce Trail that winds along the Niagara Escarpment. In the spring, there’s the Hawk Watch, taking place at the Beamer Conservation 48 YPNEXTHOME.CA

Area. Numerous golf courses are only minutes away, as are facilities for hockey, soccer, tennis, softball, racquetball, swimming and curling.

Longtime residents as well as recent homebuyers are drawn to the picturesque settings, served by more than 100 businesses, new-home development and improving access to Hamilton and St. Catharines, and all other points around the Golden Horseshoe.

Indeed, Stoney Creek and neighbouring Grimsby are among the fastest-growing parts of the Hamilton region. In recent years, new condominiums have been built along the lakefront beyond the reach of the industrial Hamilton Harbour. Builders – including Empire Communities, New Horizon Homes, Rosehaven

Homes, Branthaven Homes, Homes

by DeSantis and Losani Homes – have attracted local residents as well as those relocating from the Greater Toronto Area, thanks to greater affordability and quick access to the western GTA via the Burlington Skyway. Detached housing growth remains strong in developments above the mountain.

Still, greenspace is abundant, with more than 40 parks totaling 382 acres of land, 23 baseball diamonds, 19 soccer fields and 27 playgrounds.

Stoney Creek extends from the shores of Lake Ontario to above the majestic Niagara Escarpment with the QEW right at their doorstep.

It is located within 30 minutes of downtown Hamilton and St. Catharines, less than a one-hour drive

Neighbourhood Profile DOWNTOWN STONEY CREEK Formerly a separate municipality, Stoney Creek amalgamated with the City of Hamilton in 2001. The area is popular among families, young urban professionals as well as seniors.

from Toronto and the U.S. border.

Businesses and residents enjoy the ideal mix of a small town, community lifestyle, while maintaining easy access to several major urban centres.

In addition to small-town atmosphere, the town is part of the Gateway to Niagara, offering much more than meets the eye. It is one of the many towns and villages that comprise the Niagara region, an area of 1,800 sq. km. that forms a peninsula of land between Lake Ontario and Lake Erie with a total population of about 432,000.

With many on the move to newhome communities in Stoney Creek, the secret is out. The town offers quiet getaways from city living and an ideal location for commuters heading to Hamilton and Toronto or Niagara.

Builders are responding accordingly, with a wide selection of new-home options, including luxury, detached and townhome living.

Like the rest of the Niagara region, Stoney Creek enjoys a thriving agricultural industry. The area along the QEW, and above and below the Escarpment, is dotted with livestock farms, orchards, vineyards and greenhouses. The greenhouse industry of Niagara boasts in excess of 18 million sq. ft. of space. Some 200 greenhouses and 75 food processing plants employ more than 6,000 with thousands more employed in related industries.

Horticulture is supported by extensive training programs through Niagara College’s Horticultural Centre, The Niagara Parks Commission School of Horticulture and The Horticultural Research Institute of Ontario

Lifestyle Outdoorsy types who still require urban comforts will really feel at home in Stoney Creek. You can go for a hike atop the World Biosphere Reserve, looking out on what can only be described as a panoramic vista, then take a short drive down the parkway to all of the shopping and cultural options that Hamilton has to offer.

Vibe Most of the original settlement took place below the Niagara Escarpment, where you’ll find lovely Victorian and Edwardian enclaves, as well as more recent mid-century neighbourhoods, all very well maintained. But there’s been a recent housing boom in the formerly very rural upper town, where several new subdivisions have grown in the last decade, with many more on the horizon.

(University of Guelph), all of which base programs in the Niagara Region.

Niagara’s grape industry produces more than 48,000 tonnes per year.

New wineries are an example of the region’s ongoing expansion in overall agricultural and food processing.

Increased popularity of grape and wine products has created a separate identity and a designated Wine Route that has been posted from Stoney Creek to Niagara Falls, connecting 30 of the area’s 70 wineries offering tours and tasting. Hundreds of thousands of visitors tour this scenic route annually.

The wine industry employs more than 5,000 people in wineries, retail, and as suppliers and growers.

West Lincoln Memorial Hospital is located in Grimsby and serves 60,000 citizens in town and adjoining municipalities and is also the largest public employer. Larger hospitals with expanded services and facilities are located in nearby St. Catharines and Hamilton.

From its roots as a service centre to thriving agricultural industry, Stoney Creek has become a preferred locale to live and do business in Niagara.

Meet the neighbours Families raising children and younger professionals make up a good chunk of the population, but there’s a healthy percentage of active seniors living here too, particularly in lower Stoney Creek.

There are slightly more single people living in Stoney Creek than elsewhere in the province, and of those, more are female than male.

Planes, trains & automobiles Stoney Creek has decent public transit options thanks to its amalgamation with Hamilton. Cyclists will find bike lanes and paths make it easier to get around, but most residents still drive to work and for errands. Close proximity to the QEW, the Red Valley Parkway, Hwy. 8 and 20 make it an excellent choice for commuters.

The good, the bad & the rest Stoney Creek has some areas showing their age, particularly closer to the Hamilton border, but there’s a lot of redevelopment going on, and even some new housing in the lower town.

Real estate New luxury homes sell for relatively competitive prices, but are still significantly cheaper than nearby Burlington. There are definitely bargains to be found if you’re looking for a midcentury detached home, and some of the century cottages in the Olde Town are just begging for a makeover. Expect to pay slightly less than you would in the GTA for dining, entertainment and retail.

JUL 30 - AUG 27, 2016 | NEW HOME & CONDO GUIDE SWO 49

Model Home Photo Compliments of Empire | www.empirecommunities.com

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Empire has been featured as “Model HOME Of The Month� as seen in the New Home & Condo Guide model home calendar

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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 2.45 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 2.79

2.29

2.44

2.49

2.59

2.34

2.4

2.69

2.48

2.89

2.99

3.39

3.89

2.49

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 3.14 6.35op 2.84 3 3.20op 3.14

2.79

2.44

4.09

4.79

3.04 2.7

3.65 3.39

4.39 4.09

4.64 2.7

2.84 2.94

2.84 2.84

2.89 2.79

2.89 2.89

3.04

3.39

2.64

2.74

2.79 2.39

3.34 2.44

3.99 4.39

4.44 4.64

2.99 6.30op 3.19

2.84

3.39

2.34

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

2.59 2.59

3.09

3.39

3.89

4.49

2.79

2.34

2.4

2.69

2.48

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

2.54 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 2.39

3.2

3.65

4

4.5

2.79

2.64

3.89

2.44

2.69

3.49

3.99

4.54

2.85

2.95

3.05

3.15

2.39

2.39

2.49

2.49

6.95op Equitable Bank HSBC Bank Canada

2.79

ICICI Bank Canada Manulife Bank

2.75 2.6

National Bank President’s Choice Finan Royal Bank TD Canada Trust Tangerine

n/a 6.70op 2.70 2.6 6.75op 2.6

4.45 6.20op 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 Fire C.U. First National Fin. LP IC Savings London Life Luminus Financial Meridian Credit Union

2.45 6.30op 2.6

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 July 18, 2016. Prepared By http://www.FiscalAgents.com/mortgage/rates

JUL 30 - AUG 27, 2016 | NEW HOME & CONDO GUIDE SWO 51

Ad Index

ADVERTISERS Bayview Wellington - Multi-Site

4

New Horizon - Sapphire

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Bayview Wellington - Passages on the Canal

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New Horizon - The Gatsby

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Phelps Homes - Multi-Site

39

Branthaven Homes - Corporate

Carriage Gate Homes - Legacy in Ancaster

30

Reid’s Heritage Homes - Gates of Kent

23

Claysam Homes - Multi-Site

18

Reid’s Heritage Homes - Summerside

22

7

Reid’s Heritage Homes - Williamsburg Walk

BC

31

Rosehaven Homes - Affinity Condominiums

45

Royal LePage State Realty - Waterdown

42

Senator Homes - Havelock Corners

19

Shelter Cove - Shelter Cove

43

Surreal Homes - The Lofts

35

54 & 55

Thomas Cochren Homes - The Greystones

38

9

Tillsonburg Developments - Baldwin Place

21

Countrygreen Homes - Westwood Mews

Eastforest Homes - Woodway Trails

Empire Communities - Multi-Site

2&3

Homes by DeSantis - AquaZul

11

Losani Homes - Astoria Grand

6

Losani Homes - Central Park

Mattamy Homes - The Preserve

Mountainview Homes - Elements

52 YPNEXTHOME.CA

37

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