Southwestern Ontario New Home and Condo Guide - Aug 20, 2016

AUG 27 - SEP 10, 2016 VOLUME 19, ISSUE 15, FREE

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SOUTHWESTERN ONTARIO EDITION

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COMING SOON to St. Catharines

INSIDE THIS ISSUE

SWO BUILDERS UP FOR 2016 OHBA AWARDS

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BURLINGTON: A CITY ALIVE & THRIVING

CONDO BUYERS: LOOK OUT FOR INTERIM OCCUPANCY

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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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O ME HOMES | CONDOS | COMMUNITIES | EMPIRECOMMUNITIES.COM 3

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TOWNS SINGLES

300’S

$

FROM THE LOW

FROM THE HIGH

400’S

$

Get Front of the Line Access for the Greatest New Home Community Coming to Hamilton Fall 2016 Forget the GTA, Central Park is the visionary master-planned community where you want to live. Distinct character-filled neighbourhoods with multiple lifestyle options, modern amenities and nature, the opportunity to live here at an unbeatable value is coming to Hamilton Mountain Fall 2016. Be a VIP—Register Now!

REGISTER NOW!

MyCentralPark.ca 1809 RYMAL ROAD EAST, HAMILTON 6

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FROM THE MID

200s

$

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!

- No grass cutting or snowplowing!

Great Value, Great Lifestyle!

www.countrygreenhomes.com • Call: 905-630-8431

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1 40

Mon-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 sales office at: 367 Westwood Drive, Kitchener

TO

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contents AUG 27 - SEPT 10, 2016 | VOLUME 19 ISSUE 15

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 Elisa Krovblit Lydia McNutt (on leave) SALES CO-ORDINATOR

Sarah Khan

12

MANAGER OF PRODUCTION

Helen Pearce CO-ORDINATOR

ON THE COVER

12

Sandra Hanak-Vujnovic GRAPHIC DESIGNER

Bayview-Wellington Homes

Miguel Cea

Award-winning builder in prized St. Catharines location CONTRIBUTING WRITERS

property profiles

12

49 Fundamentally Speaking

Low mortgage rates remain an opportunity for buyers

Bayview-Wellington Homes

Award-winning builder in prized St. Catharines location

inspiration

32

trending

14

Southwestern Ontario

Group receives funds to help attract investment

38

Personal Finance

Reducing debt is Canadians’ top financial priority

48 Burlington

A city alive and thriving

buyers’ resource section

15

Explaining interim occupancy for condos

25 Hot Properties Hamilton

30 Quick Tips

A place for everything, and everything in its place

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#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.

New releases and grand openings

24 Mortgage Advice

3 things to consider for your first mortgage

Hot Properties Kitchener-Waterloo & London

New releases and grand openings

advice

22 Tarion Report

How to choose furniture for your new home that fits

city focus

20 OHBA

SWO builders among the finalists in OHBA Awards

Design Secrets

Joanne Keenan Jeffrey Reed

51

Mortgage Rates

in every issue

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

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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the good life, just better.

NOW OPEN! BREAKFAST IN YOUR GOURMET KITCHEN. SIPPING COFFEE ON YOUR BALCONY. BEACHSIDE DAYS. URBAN NIGHTS. DOWNTOWN DINING, BOUTIQUES AND SHOPS. A DAY AT THE MUSEUM. DINNER PARTIES FOLLOWED

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.

A MODERN CONDOMINIUM OFFERING LUXURY ONE AND TWO BEDROOM PLUS DEN PLANS, FROM THE MID

Prices are subject to change without notice. E.&O.E. Offer valid for a limited time. Subject to availability.

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$200’S

289.929.1377 elementscondo.com SALES CENTRE: 218 LAKEPORT ROAD, UNIT 6, ST. CATHARINES

DOWNTOWN

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Editors' Notes

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

BURLINGTON

SEE MORE ONLINE ypnexthome.ca/downtown-burlington

Targeted info for your benefit We recently brought a formal focus group of Canadians together to ask about real estate. We specifically questioned what factors in someone’s life would make them want to move. One of the top three reasons was the desire to live in a different neighbourhood.

Respondents said they wanted access to better schools and amenities such as transit, shopping, greenspace and parks.

With so many areas for you to choose from, we created a Canadawide resource of neighbourhood

information and listings — on a local level. On YPNextHome.ca, you’ll find statistical information on more than 2,700 neighbourhoods, featuring data, listings, fun facts and more.

We’ve got a ton of interesting info on key residential neighbourhoods, including photos and video tours. Check out Burlington, for example.

We hope you’ll explore a few of the neighbourhoods we’ve curated for you on our website. Drop us a line or send a photo to tell us what you love about your favourite neighbourhood.

Land-use rules adding costs

WAYNE KARL Senior Editor

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

+ get social

The issue might be more pressing in Toronto, where housing affordabilty is more seriously challenged, but municipal land-use regulations are having an impact elsewhere in Canada.

This, according to a new study from the independent think-tank the Fraser Institute. The Impact of LandUse Regulation on Housing Supply in Canada cited Toronto, Vancouver and Calgary as the markets having the most negative impacts.

The first of its kind in Canada, the study analyses the impact of construction approval times,

timeline uncertainty, regulatory costs and fees, rezoning and the effect council and community groups have on development – on the growth of housing supply.

Essentially, the longer the approval process, the more the growth of new housing is reduced, and the more expensive it becomes. And areas in Southwestern Ontario are not immune from these trends.

At a time when new lowrise home prices are rising fast and supply is limited, changes to ease the approval and construction process would be welcomed, indeed.

Interact with us on social media: ypnexthome

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OPENING SOON. IT’S WORTH THE WAIT.

A stunning architectural presence on Grimsby’s new waterfront Intimate, contemporary and situated just steps to the lake, AquaZul is a fresh new condominium that offers an affordable and exciting lifestyle on Grimsby’s multi-million dollar new waterfront. Here Homes by DeSantis offers a wonderful selection of SmartSuitesTM that feature spacious designs, magnificent floor to ceiling windows and fashionable appointments.

Resort-Inspired Amenities Outdoor Pool and Lounge • Exquisite 2 Storey Lobby and Mezzanine • Theater Room • Billiards Room Fabulous Club Room overlooking the pool and courtyard with breathtaking vistas of the lake

TM

SmartSuite

units starting from the $180s

With direct access to the Grimsby Casablanca Station slated for completion 2021.

REGISTER NOW! AquaZulCondo.ca

Rendering is artist’s concept. Prices and specifications subject to change without notice. Go Transit is a registered trademark of Metrolinx and is not affiliated with Homes by DeSantis or Aquazul. E.&O.E.

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Property Profile | BW HOMES

cover story

Bayview-Wellington Homes in St. Catharines Award-winning builder in a prized Ontario location GARDEN CITY. SHIPMAN’S CORNERS. ST. KITTS. Whichever

you choose to call it, St. Catharines is undeniably one of the most beautiful cities in Southwestern Ontario. Between the lively regattas and countless festivals that take place all year round, its no wonder why St. Catharines is becoming one of the most popular cities south of Toronto to live.

After the immense success of Bayview-Wellington’s inaugural award-winning community of townhouses and singles in Niagara, Niagara on the Green, which is temporarily sold out, BW Homes wants to encourage more people to become residents of the beautiful Niagara region, specifically St. Catharines. BW Homes selects only the top neighbourhoods near the best amenities to develop new residential communities. But its not just what is nearby that is important to this Vaughan-based builder

when it comes to new homes – the history is there, too.

St. Catharines is located along the Welland Canal, Niagara region’s other waterfront, where residents have gathered to watch ships from all over the world traverse across for decades. Besides this spectacle, St. Catharine’s is next to part of the Welland Canals Parkway Trail, a 42 km long trail perfect for walking, cycling strolling or spending the day at one of the many parks located along the way.

As the weather begins to warm, the Garden City justifies why it is so aptly named. Blooming wildflowers, daffodils, crocuses and tulips create a floral path along the canal for both residents and day-trippers to enjoy.

Besides the trail, the Niagara region (which includes Niagara-on-the-Lake, Niagara Falls, St. Catharines, and a few more) is home to Casino Niagara, Niagara-on-

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MORE PHOTOS ONLINE ypnexthome.ca/bw-stcatharines

the-Lake’s famous Shaw Festival, the new St. Catharines Performing Arts Centre and countless wineries and golf courses.

During the summer months, the fabulous farmers’ markets are open and provide locals with the opportunity to buy and eat fresh. And shopaholics can rejoice at the newly opened Niagara Outlet Mall, which offers an enjoyable outdoor shopping experience of brand name stores at great prices.

Bayview-Wellington homes are supported by more than a century of collective team experience in construction, planning, development and completion of residential communities. Specializing in highrise condominiums, bungalows, semi-detached homes and estate homes, Bayview-Wellington Homes has been a leader in the home

development industry for decades and has been an integral part of St. Catharines and the Niagara region for years.

Bayview-Wellington Homes is proud of the fine living and luxury reputation the company has earned for itself through years of dedication, quality homes and outstanding customer service. BW Homes excels at both building custom homes and modifying existing homes so homebuyers get the home they want as well as the home they need. Bayview-Wellington’s dedication to detail is what makes its award-winning communities a place where families can come to learn, live and grow together. Stay tuned for new and exciting projects Bayview-Wellington is bringing to the Niagara region!

Visit bwhomes.ca for more information.

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Trending

Southwestern Ontario Marketing Alliance receives funding to attract foreign development THE SOUTHWESTERN ONTARIO

MORE TRENDING ONLINE ypnexthome.ca/news

“Canada has strong economic fundamentals and a skilled, innovative workforce, which makes it an excellent destination for new investments,” Lametti says.

ILLUSTRATIONS COURTESY OF SOMA

Marketing Alliance (SOMA) has announced that the government of Canada has awarded the association $24,000 to allow SOMA to attract additional foreign investment into the region.

On behalf of Chrystia Freeland, Minister of International Trade, David Lametti, Parliamentary Secretary to the Minister, announced 2016 funding of $3.8 million to 87 municipalities across Canada.

This funding comes from the Invest Canada-Community Initiatives (ICCI) program which helps attract, retain and expand foreign direct investment.

“The government of Canada encourages communities large and small, from coast to coast, to get their messages out about why the world should invest here. Canada has strong economic fundamentals and a skilled, innovative workforce, which makes it an excellent destination for new investments,” Lametti says.

ICCI funding helps Canadian communities reach out to global companies looking to expand abroad.

The program gives organizations such as SOMA an opportunity to promote the region and the Canadian brand abroad. SOMA is a partnership of Southwestern Ontario communities, grown out of natural economic ties.

This region, known as Canada’s Industrial Heartland, stretches across Elgin, Oxford and Perth counties.

Len Magyar, chair of the SOMA board, says the ICCI funding will help the organization successfully promote Southwestern Ontario’s strategic location, skilled workforce and competitive business costs.

“This funding provides vital support to SOMA and its member municipalities with respect to our ongoing foreign direct initiatives,” he says. “Attracting foreign direct investment can be an expensive proposition that many smaller communities simply cannot afford however these funds will help significantly with our collective international efforts.”

The purpose of the ICCI is to create jobs for Canadians, support innovation and increase exports.

For more information, visit canadasindustrialheartland.com

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ILLUSTRATIONS COURTESY OF SOMA

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. 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

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Elmira

016-017-SW Map-LondonWaterloo.indd 16

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

ypnexthome.ca

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Toronto

SITES

Bradford

BW HOMES

Green Valley

• • • 4

Cambridge

MATTAMY HOMES

River Mill

• 54&55

Elmira

CLAYSAM HOMES

Elmira

• •

from $304,900 18

Ilderton

SIFTON

Timberwalk

•

23

Innisfil

BW HOMES

Alcona Shores

•

4

Kitchener

COUNTRY GREEN HOMES WestWood Mews •

from mid $200's 7

Kincardine

REID'S HERITAGE HOMES

Inverlyn Lake

• •

from 290,900 BC

Kitchener

LOSANI HOMES

Doon Creek

• •

from mid $400's 6

Kitchener

LOSANI HOMES

Victoria Common •

from mid $300's 6

North London

SIFTON

Ballymote Woods

• •

from mid $300's 23

Paris

LOSANI HOMES

Simply Grand •

from low $300's 6

Plattsville

CLAYSAM HOMES

Plattsville Estates

• •

from $334,900 18

South London

SIFTON

Andover Trail

• •

from mid $300's 23

South London

SIFTON

Westwood Village • •

from mid $300's 23

Tillsonburg

TILLSONBURG DEV.

Baldwin Place

West London

SIFTON

Evergreen at Warbler Woods

•

from mid $300's 23

West London

SIFTON

Rivbend Golf Community

•

from $290,000 23

West London

SIFTON

Warbler Woods

•

Woodstock

CLAYSAM HOMES

Neighbourhoods Devonshire •

Woodstock

SENATOR HOMES

Havelock Corners

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PRICES

• •

PAGE

21

23

•

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

LOCATION BUILDERS

London / Halton Hills / Wellington / Waterloo:

D et .

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

ADVERTISER'S MAPPING INDEX

2016-08-25 10:58 AM

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

$334,900 148 Applewood St. Plattsville. ON Plattsville

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.

79 Country Club Estates Dr. Elmira, ON

claysamhomes.com

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

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Trending

OHBA names finalists for 2016 Awards of Distinction THE ONTARIO HOME BUILDERS’

Association (OHBA) has named the finalists for its 2016 Awards of Distinction.

Judged by a panel of industry professionals from across Canada, the entries encompass 39 categories of building, design, sales and marketing with submissions from all over Ontario. A complete list of finalists can be found at ohbaaod.ca Winners of the OHBA Awards of Distinction will be announced on Sept. 20 at the Blue Mountain Resort in Collingwood. This year marks the 25th anniversary of the OHBA Awards and the association will reflect on 25 years of building excellence, and the gala awards ceremony will highlight the 2016 OHBA Conference.

In addition to the individual category awards, OHBA will also announce the winner of the coveted 2016 Ontario Home Builder of the Year. Finalists are: Minto Communities – BILD/Durham Region HBA/Greater Ottawa HBA Reid’s Heritage Homes – Guelph & District HBA/Waterloo Region HBA Tridel – BILD

Finalists for the 2016 Ontario Renovator of the Year award are: Amsted Design-Build – Greater Ottawa HBA Eurodale Developments – BILD OakWood Renovation Experts – Greater Ottawa HBA OHBA also invites consumers to vote for the People’s Choice Award.

Anyone can vote, including the general public, by visiting ohbaaod. ca/peopleschoice.php. People’s Choice Award voting goes from Aug. 16 to 26. Finalists for this award, which include the six best projects of the year in both the high- to mid- and lowrise categories, are: Branthaven Homes for: Lake House in Grimsby Fusion Homes for: Solterra Community in Guelph Great Gulf for: Summerlyn Village in Simcoe County Haven Developments for: SIX25BV in Toronto Minto Communities for: Bside at Minto Westside in Toronto Tridel for: Scala in North York

“The Awards of Distinction program recognizes excellence in building, renovations and sales and marketing in Ontario,” says OHBA President John Meinen. “The Awards program is an opportunity for the industry to come together and pay tribute to the creativity, design and technological advances that are happening at every level of building – from single-family homes to midrise and highrise projects. The building industry continues to be a major driving force in our province’s economy and OHBA proudly celebrates the achievements of our members.”

The Ontario Home Builders’ Association is the voice of the building, land development and professional renovation industry in Ontario representing 4,000 member companies organized into 30 local associations across the province.

Our members have built more than 700,000 homes in the last 10 years in more than 500 Ontario communities.

The industry contributes more than $43 billion to Ontario’s economy annually, employing more than 325,000 people across the province.

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BP2016 NH&C Ad 2_Layout 1 2016-04-16 9:58 AM Page 1

An Adult Lifestyle Community

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TheLife See it all at

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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.

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

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Advice | TARION REPORT

What is interim occupancy?

By Howard Bogach

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WHEN PURCHASING a brand new

condo, buyers are understandably excited to finally get the keys to their home. What some buyers may find surprising, however, is that their new home is not actually theirs yet.

“Interim occupancy” allows a builder to finish construction on a project while also beginning an orderly move-in process for buyers.

Homeowners often reach out to Tarion with questions on this topic.

Some issues distort the intent of what is essentially a practical way to get buyers into their homes faster, while also allowing the builder to complete the project. While Tarion does not have oversight over interim occupancy (it is covered in the Condominium Act) it is part of the new home buying process, and can benefit from some clarification.

After a building is declared fit for occupancy by the municipality, condo buyers can start moving in.

This usually starts with the lowest floors, as the builder continues to complete suites on higher floors as well as the common elements. At this stage, buyers are not technically taking ownership yet. In fact, they may all have to wait for some time before they do. The benefit is that, in the meantime, buyers can enjoy their new homes as well as some of the buildings’ amenities. For people on the lowest floors, interim occupancy means they get to move into their homes sooner, but they will likely have a longer wait time before ownership title is actually transferred.

In order to live in your new condo before you actually own it, the

developer will charge an interim occupancy fee. This comprises three parts: interest on the unpaid balance of the purchase price; an estimate on the municipal taxes; and a projected common expense contribution.

It’s a misconception that a builder profits or has any benefit to gain from extending this phase in the building of a condo. In fact, there are stipulations in the Condominium Act around the calculation of the occupancy fees which seek to prevent developers from making a profit in this way. Furthermore, it is in a builder’s best interest to transfer title as soon as possible. Builders make their money when they are able to provide title and register the project – which can only be done when the building is complete.

Interim occupancy may last a while. Buyers, especially those on the lower floors, will likely see common areas incomplete, and some of amenities still be under construction.

Nevertheless, since a municipal inspector will have already inspected the building and determined that it is fit for occupancy, the building should be safe to live in.

If you feel your builder has moved you in to a new building that is not fit

for occupancy, call Tarion. We have helped homeowners in circumstances where we agreed that their building was not safe for occupancy, and have worked with builders to speed up some of the essential work.

Finally, remember that interim occupancy is also an important part of the warranty process for condominiums. As soon as you are granted occupancy of your unit, your one, two and seven-year warranties begin. You can fill out your first warranty form within the first 30 days of occupancy. The warranty on the common elements of your building will not begin until your condominium is registered.

When you do finally get to experience the “ownership” part of the new homeownership process, your building should be complete, your amenities ready to use and you can finally enjoy all the benefits of your new home.

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

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

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2016-08-24 2:42 PM

Advice | MORTGAGE ADVICE

3 things to consider for your first mortgage

By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WHILE THE PROSPECT OF HOME

ownership is exciting, securing a mortgage can be overwhelming for first-time homebuyers. There are many things to consider and unraveling the process can be complicated. If you’re in the early stages of buying, ask yourself these questions to make the dream of home ownership a reality. » How much can I afford?

Every prospective first-time homebuyer asks the question: “How much can I afford?” While factors like income, credit history and employment play a role in the amount that can be borrowed, many lenders use two simple calculations to gauge how much to lend: The gross debt service (GDS) and total debt service (TDS) ratios.

The GDS ratio is made up of potential housing costs, which includes mortgage payments, property taxes, and utility costs. The combined sum of these monthly expenses shouldn’t exceed 32 per cent of monthly income before taxes.

The TDS ratio adds all other forms of debt into the GDS ratio. Loans, lines of credit, car payments and credit card balances all apply. The second rule of affordability is that your entire debt load shouldn’t be more than 40 per cent of your gross monthly income.

It’s important to note that these

percentages are maximums and lower ratios result in a more comfortable lifestyle. Use these calculations to help determine your purchase price limit. A mortgage affordability calculator can help you determine how much you can afford before visiting your lender. » What about the down payment?

Down payments provide security to lenders and are expressed as a percentage of the total value of the home. Homebuyers are required to put a minimum five per cent% down payment on any property under $500,000. For properties costing between $500,000 and $1 million, you need to put down five per cent on the first $500,000 and 10 per cent on the remaining amount (for example, on a $600,000 property, you’d need to put down $35,000).

If you put down less than 20 per cent, you’ll need to pay mortgage default insurance, which is commonly known as CMHC Insurance. But if you purchase a property that costs more than $1 million, you need to make a minimum 20 per cent down payment and you don’t need mortgage default insurance.

While typical down payments come from cash savings, government programs can help. If you’re a first-time homebuyer, you can take advantage of the Home Buyers’ Plan (HBP), which allows up to $25,000 saved in an RRSP to be withdrawn tax-free. If you’re buying with a partner who’s also a first-time homebuyer, they can also withdraw up to $25,000. The HBP is considered a loan and you must start repaying it two years after you withdrew the money over a 15-year period. If you miss a payment, the amount you don’t pay back is considered taxable income.

» Can I pay off the mortgage faster?

Large down payments have the benefit of reducing monthly payments over the amortization period, or the time it takes to pay off the entire mortgage. Most mortgages are amortized over 25 years.

Reducing the amortization period to 15 or 20 years will mean your regular payments will increase but you’ll pay off your mortgage faster and save thousands of dollars in interest payments.

Prepayment options can help further reduce the mortgage before the full length of the amortization period. Depending on the type of mortgage, lenders will let you increase your monthly payments or allow lump-sum payments.

And instead of making monthly payments on your mortgage, you can choose to make them weekly or accelerated biweekly. This can reduce the amortization period by a few years. » The bottom line Debt service ratios can help to determine the right price, while a higher down payment and additional prepayments can serve to reduce the amortization period. Striking a balance between price, payments and amortization is the key to affordable homeownership.

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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11:05 AM

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

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

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

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 City: 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

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

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Advice | QUICK TIPS

A place for everything and everything in its place

By Hellen Buttigieg

MORE ADVICE ONLINE ypnexthome.ca/news/advice

RANDOMLY TUCKING things away in spots that are convenient at the moment just won’t do. If things don’t have designated homes, they never get put away properly, making them all but impossible to find the next time they’re needed. Find the right spot for everything that comes into your home, share the organizational tactics with your family and stop being a human directory for everyone and everything in your home.

Organizing your home Designate a basket or drawer as your household’s “lost and found” area.

Deposit any stray items like bobby pins, sunglasses, earrings, etc. It’ll soon become the first place family members look for missing objects.

What did I do with that manual?

Have you added new appliances and electronics to your home recently?

Staple the receipt and warranty to the instruction manual and tape it to the bottom of the item so it’s easy to find if you need to refer to it. For portable items like cell phones and MP3 players, store the manuals in an accordion file by category.

Where’s the remote?

Use Velcro to attach the remote to the side of the television set when not in use and never waste time searching for it again. Or, consider purchasing an electronic remote finder that makes a loud, distinctive sound to help you find it (this also works for keys).

Where are my keys?

Choose a “home” for your keys and get into the habit of always keeping them in that spot. Hang them on a designated hook or toss them in a bowl. Leave a copy of your keys with a trusted neighbour.

Everything needs a home Whenever you bring a new item into your home, immediately find a permanent place for it to live. To help you determine the best spot for it, ask yourself what else is like it, and where (and how often) will you use it. Store similar things together, and store items near their place of use. Items used daily should be placed in the most accessible areas (within arm’s reach), whereas seldom-used items can be stored in out-of-the-way spaces. Keep a label maker handy to label drawers, shelves and containers

so you don’t have to rely on your memory when you need to find something quickly.

Organizing your life Time spent relaxing is not time wasted. Give yourself permission to enjoy several agenda-free days. Leave your e-mail and cell phone behind and delight in some of life’s simple pleasures without interruption. This is especially crucial if you are selfemployed and your boss is a tyrant!

We can’t get very far in life on an empty fuel tank; we have to get off the busy highway once in awhile to refill it.

Hellen Buttigieg is a certified professional organizer, life coach, TV host, owner of We Organize U and author of the best-seller, Organizing Outside The Box. For tips on getting organized, visit weorganizeu.com and sign up for the free newsletter.

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2016-08-25 12:44 PM 8/25/16 11:06 AM

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2016-08-24 2:42 PM

Inspiration | DESIGNER SECRETS

How to choose...

FURNITURE FOR YOUR NEW HOME THAT FITS

By Jane Lockhart

Much has been written in general terms about the importance of buying the right furniture for your home. But it’s my mission to provide the best, practical advice about shopping for the rightsized furniture so everything fits and functions properly. Basically, I’m going to divulge the design information you usually only get when you pay for it. Listen up.

Although style selection can be challenging, when it comes to sofas, there are really only a few sofa styles. Some have fitted backs, while others are pillowed. Some have curved or rounded arms and yet other sofas have square arms.

So select your style based on how you will be using the sofa. …continued on page 34

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…continued from page 32

It’s all about the arms If you plan to entertain a lot and need a room to feel more open or casual go for a lower arm that’s the full depth of the sofa and square in shape.

This won’t block natural light and it is the most comfortable arm for guests to use. If you plan to lie down a lot on the sofa (watching TV), use a rounded arm that is also a bit lower so it’s easier to rest a pillow against the arm for ultimate comfort.

For formal entertaining which often happens in the living room a sofa with a higher arm keeps guests more upright and more forward facing. It’s harder to lean over and chat with someone else when the arm is higher so this styles works best when it’s set directly across from another sofa or set of chairs to keep conversation straight ahead, and back and forth.

Sofa or loveseat?

The love seat, or two-seater, was popular decades ago when everyone “bought the set” and everything coordinated perfectly but today we tend not to decorate this way.

Generally, we advise most customers to look for a full-sized sofa combined with a pair of chairs.

This combo allows seating for the most number of guests during a large gathering. Whereas loveseats tend to be “oversized and underused” single chairs, with only one person using it at a time. It can also be too close for comfort for two people to share, especially if they don’t know each other well.

The standard sofa has morphed into the sofa-chaise combo. Smaller than a sectional, it fits into a room generally the same way that a full

three-seater sofa does making it a very versatile piece.

The sofa-chaise has one end of a regular sized sofa extended beyond a regular seat depth. It is usually about 56- to 60-in. long and acts as an ottoman, so one less piece of furniture is required. This also works as an additional seat for casual entertaining, guests will often perch on the end of the chaise as they would an ottoman.

Standard sizes of furniture A typical sofa ranges in size from 84 to 88 in. Any longer than this range would be considered oversized by today’s standards.

In the 1980s, sofas were up to 96 in. long, but with people living in smaller spaces in general, oversized furniture is not only less

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“The key to measuring for your sofa is not just the sofa size itself but also the furniture that needs to go on either side of it.“ popular it’s also less useful.

Condo sized sofas are about 72 in. long although some can be as small as 68 or as long as 76 in. The key to measuring for your sofa is not just the sofa size itself but also the furniture that needs to go on either side of it.

Remember that you will need at least 24 in. or two ft. on either side of a sofa for a side table. Although a sofa

size may seem small initially, by time you add other pieces around it will look right.

Chairs tend to be in the same size category, from at the smallest at 30 to 36 in. wide, and about 32 to 36 in. in depth. Any smaller and the chair is either a dining chair or it wont be comfortable for really hunkering in to read or watch

TV. For tight spaces consider an armless chair, but remember this chair style may not work for long term sitting, most people prefer an arm to lean into.

Size really does matter when selecting furniture.

For more information, visit janelockhartinteriordesign.com

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

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Trending

Reducing or eliminating debt is Canadians’ top financial priority: BMO STUDY

CANADIANS’ SINGLE-MOST important financial priority is to reduce or eliminate debt, according to a new BMO Wealth Management report.

The Personal Balance Sheet examined how Canadians adapt financially as they move through different life stages – balancing saving, investing, borrowing and spending to reach their financial goals.

The report found almost one-third (30 per cent) of Canadians said their single-most important financial priority is to reduce or eliminate debt. According to Statistics Canada, the debt-to-disposable income ratio was 165.3 per cent for the first three months of 2016.

This is the amount Canadians owe for every after-tax dollar they earn, that is – $1.65 for every dollar earned.

“Financial needs and goals are always changing as people move from one life stage to the next, so it’s important to have the flexibility to adapt your financial strategy accordingly”

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The BMO report found Canadians’ other financial priorities include:

» Effective investing and tax efficiency, 24 per cent » Saving more, 23 per cent » Budgeting, 14 per cent » Spending on personal needs or goals, four per cent

“If you experience a financial setback, a financial professional can help you re-establish control over your finances by re-orienting your strategy”

Priorities shifted depending on the age of respondents. While the most important priority for Boomers (ages 35 to 54) is to reduce or eliminate debt (34 per cent), the number one priority for Millennials (ages 18 to 34) is saving more (26 per cent).

Canadians aged 55 and over prioritize effective investing and tax efficiency (29 per cent).

“Financial needs and goals are always changing as people move from one life stage to the next, so it’s important to have the flexibility to adapt your financial strategy accordingly,” says Chris Buttigieg, senior manager, Wealth Planning Strategy, BMO Wealth Management.

“It’s a good idea to re-evaluate your financial plan on a regular basis to ensure your saving, investing, borrowing and spending are in balance as priorities shift over time.”

Conquering financial fears

The report also found that almost one third of Canadians (29 per cent) are concerned they will not be able to save enough to reach their financial goals. Millennials are more likely to have this concern (35 per cent) than Boomers (29 per cent).

Canadians reported the following events had made it difficult for them to save or invest to achieve their financial goals:

» Stock market losses (36 per cent) » Failed business ventures (23 per cent) » Divorce or separation (18 per cent) » Financial loss on a property sale (13 per cent) “These types of financial losses weigh on people’s minds and may make them more tentative, fearful or

hesitant to prepare for the future,” says Buttigieg. “If you experience a financial setback, a financial professional can help you reestablish control over your finances by re-orienting your strategy. This can include introducing plans to reduce, consolidate or eliminate specific debts, or recommending different approaches to saving and investing to help you refocus your financial goals.”

these goals more quickly.

Parents: When gifts are given to

FINANCIAL PLANNING TIPS FOR CANADIANS AT VARIOUS LIFE STAGES:

New Grads: Putting a plan in place to

achieve future goals, such as saving for a down payment for a home or reducing outstanding student debt, is most important. By establishing a budget that focuses on saving and reducing borrowed amounts as opposed to spending on current wants, it may be possible to achieve

children on birthdays and holidays, parents may wish to use this tradition as an opportunity to teach children about the importance of balancing between spending on current wants and the desire for future needs.

Parents should also consider life, creditor, critical illness and disability insurance to protect their families in the event the unexpected occurs.

Retirees: Reducing expenses and having a consistent cash flow or income stream in retirement is important to help make accumulated savings last. This is a good time to consider scaling back on financial support paid to younger family members. If one’s goal in retirement is to travel, financial plans should be built with this expectation in mind – including the cost of travel medical insurance.

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Affordability, location, lifestyle

Questions to ask when considering a condo investment

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Research and compare! Make an informative choice using Southwestern Ontario’s only comprehensive guide to Southwestern Ontario Home Builders. Expert advice, builder profiles, and the Southwestern Ontario Home Builders’ roster all in one great Annual.

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2016 ISSUES AVAILABLE NOW!

F O R Y O U R F R E E C O P Y C A L L 416 . 626-4889

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A N N UA L h t 7 2

2016 September 9th - 11th , 2016

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City Focus | BURLINGTON

Burlington A city alive and thriving TEN YEARS OR SO AGO, IF YOU WERE asked to describe

Burlington, you might have thought of it as just west of Oakville, lots of land space, a bit of a bedroom community between Toronto and Hamilton, with some big box retail outlets.

Burlington still shows those characteristics, but is increasingly earning a reputation as a city on the rise, with a progressive local government and economic development office helping to build a self-sufficient economy. Burlington shines in business as well as culture, recreation and leisure.

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And like Oakville, Burlington’s proximity to Hamilton, the GTA and the U.S. is central to its prosperity.

The city has a clear vision of its future. Core economic strengths focus on advanced manufacturing, software development, financial services, biotechnology, environmental and logistics enterprises. Increasing diversity is ‌continued on page 46

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…continued from page 45

one of the keys to future growth, as this would build resilience and sustainability to expand further beyond its traditional industrial markets.

For example, the city is expanding its partnerships with nearby postsecondary institutions, including McMaster University and Mohawk College, in emerging fields of technology, research and skills training.

In addition, Mayor Rick Goldring says the Burlington Economic Development Corp. is one of the city’s top priorities. City Council has

endorsed aggressive growth targets and has formally asked BEDC to take a more direct and active role in the short- and long-term development and marketing of Burlington.

Already well positioned with extensive access to regional, national and international transportation networks, the city is also the beneficiary of recent investments in infrastructure to improve highways and mass transit, to facilitate business growth and community development.

Currently in Burlington, a disparity exists between local jobs and the skill-set of residents, says BEDC.

Residents have to commute outside the city to find work, particularly in professional services. As a result, approximately 55 per cent of Burlington residents commute to jobs in Oakville, Mississauga and Toronto.

In the manufacturing industry, the opposite occurs, as Burlington imports labour from outside the city.

All of this is important news for prospective new-home buyers looking to buy in and around Burlington. These plans mean more local job opportunities, which leads to employment and average wage growth – key determining factors to

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support new housing and increasing real estate values.

Developers in the area include: Rosehaven Homes with Affinity Condos; Branthaven Homes with Jazz boutique condos; Molinaro Group, with Paradign condos in midtown; and Adi Development Group’s LINK and LINK2 Condos + Lofts.

Residents can enjoy a variety of cultural and local attractions in Burlington, from the famous Royal Botanical Gardens to the Burlington Art Centre, home to the world’s largest collection of contemporary Canadian ceramics.

Parkland is abundant in Burlington, with 75 parks occupying 800 acres within the city Key among them is the Spencer Smith Park, a highlight in downtown old Burlington which has undergone significant redevelopment over the years to become one of the city’s central recreational centres along the waterfront.

For those looking for amateur sports and recreation in their community, Burlington has a vast array of excellent programs and youth leagues, as well as the Burlington Cougars junior hockey team.

For those looking for amateur sports and recreation in their community, Burlington has a vast array of excellent programs and youth leagues, as well as the Burlington Cougars junior hockey team

Neighbourhood Profile

Downtown Burlington Downtown Burlington hosts the majority of the city’s festival including Canada’s largest rib fest and the Sound of Music festival, voted one of the top 100 festivals in Ontario.

Many well-known celebrities grew up in and around the neighbourhood, including Jim Carrey and Ryan Gosling.

The Vibe This affluent neighborhood has still managed to maintain a pretty down-to-earth vibe. The area screams vitality and there is a strong sense of solidarity among the residents. A lot of this can be attributed to free activities and events held on a regular basis.

Meet the Neighbours The majority of downtown Burlington residents fall within the 25 to 44 age bracket.

The area also appeals to young couples and families who are attracted to the low crime rate, which is approximately half of downtown Toronto, as well as the familyfriendly amenities.

In the Area There are a ton of restaurants, pubs, ice-cream shops and cafes along the main streets of the area. Brant Street is a shopaholic’s paradise, and Brant Pier, a popular spot for residents and visitors, extends 137 metres over Lake Ontario.

MORE PHOTOS ONLINE ypnexthome.ca/downtown-burlington

Planes, Trains & Automobiles Residents have direct access to the QEW and Hwy. 403. There is a Burlington GO station located at Fairview St. and Brant St., which will get you to Toronto’s Union Station in an hour.

The Good, the Bad & the Rest Although there are great benefits to living in downtown Burlington, keep in mind the main highways to get out of the city (the 403 and QEW) are considered to be two of the busiest in the GTA. Dollars & Sense There is high demand for downtown Burlington, as a waterfront community.

The area is not the most affordable, however.

Real Estate Proximity to the lake makes downtown Burlington a desired location, which comes at a cost. Real estate is not as pricey as properties along the Toronto Waterfront, however.

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looking for a new home?

It’s only a tap away.

Find the perfect new home or condo in the neighbourhood that fits your lifestyle.

START SEARCHING NOW!

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Advice | FUNDAMENTALLY SPEAKING

Window of opportunity Mortgage rates remain at historical lows, so take advantage while you can – but carefully

By Wayne Karl

LOW RATES continue to dominate in

the mortgage world, after the Bank of Canada dropped its influential overnight target rate – not once, but twice – last year.

In its latest announcement on July 13, the BoC again held the rate at 0.50 per cent – where it has been since the previous July. BoC had earlier dropped the rate from 0.75 per cent, where it had been since January 2015, when the Bank dropped it from one per cent.

Clear as mud? Just a bunch of numbers, right? Perhaps, but some experts are now saying rates won’t begin to inch up from these historical lows until well into 2017.

While the BoC may have held rates in July, it also took the opportunity in its Monetary Policy Report at the time to repeat an earlier warning about the housing market. The Bank intimated a need for action to tackle rapid house price increases in Vancouver and Toronto, citing “elevated and rising” risks.

Canada Mortgage and Housing Corp. (CMHC) followed that up in its Housing Market Assessment, reporting that evidence that problematic conditions in Canada’s housing market as a whole has increased from weak to moderate.

Continuing low rates mean the extended window of opportunity for those looking to buy a home remains open. But so too does the likelihood that other policy changes or adjustments to mortgage regulations are coming. The time to prepare is now.

If you could lock in at a low rate

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

Another appeal of this scenario is that, as we often point out, experts advise you take a longterm view of your home purchase.

For example, some markets have recently experienced cooling prices and softening sales. But even if that were to happen in your market and housing type, ask yourself: in 10 years, is a home you buy today likely to be worth more or less? If you need an answer to this question, just take a look back at prices 10 years ago. Of course, there are no guarantees, but if you’re in the homebuying mode anyway, today’s low rate environment makes a pretty compelling reason to act sooner than later to take advantage of these opportunities.

Low rates notwithstanding, the banks, financial firms, brokers and other experts still advise homebuyers to practice smart borrowing.

Experts stress that even as rates remain low, buyers should explore

everything from putting down a larger down payment to taking advantage of pre-payment options to “stresstesting” your mortgage at a higher rate to ensure your finances can accommodate rate fluctuations or other unforeseen circumstances.

One day, the mortgage landscape will change. And if you’re among those homeowners who have been somewhat spoiled by continuing low rates, you could be could be in for an unpleasant surprise.

Take advantage of today’s low rates while you can, but also spend the time necessary to find a broker or banker you trust, who knows their business, and who can help you explore what options might be best for you.

More so than in any other area of homebuying, you’re going to rely on this advice – now more than ever. It will prove to be time well spent.

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

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

Since 1993, Empire has built over 10,000 homes and condos that make everyday life richer and more sustainable, with designs that make luxury more affordable.

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

AUGUST 2016

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 2.9 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

2.94 4.00op 2.79

2.29

2.44

2.49

2.59

2.34

2.4

2.69

2.48

3.09 6.95op 3.29 6.50op 3.14

3.19

3.59

4.09

2.69

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 2.34

3.34 2.44

3.99 4.39

4.44 4.64

2.99 6.30op 3.19

2.84

3.39

2.39

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

2.49 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 4.55 6.45op 4 6.30op 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 2.3 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

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

Comtech Fire C.U.

2:13 PM

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 August 15, 2016. Prepared By http://www.FiscalAgents.com/mortgage/rates

AUG 27 - SEP 10, 2016 | NEW HOME & CONDO GUIDE SWO 51

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Ad Index

ADVERTISERS Bayview Wellington - Multi-Site

4

Mountainview Homes - Elements

Bayview Wellington - Passages on the Canal

5

New Horizon - The Gatsby

33

28-29

Phelps Homes - Multi-Site

40

Reid’s Heritage Homes - Inverlyn Lake Estates

BC

Rosehaven Homes - Affinity Condominiums

41

Senator Homes - Havelock Corners

19

Shelter Cove - Shelter Cove

43

Sifton Properties - Corporate

23

Surreal Homes - The Lofts

36

Branthaven Homes - Corporate

Claysam Homes - Multi-Site

Countrygreen Homes - Westwood Mews

Eastforest Homes - Woodway Trails

Empire Communities - Multi-Site

Homes by DeSantis - AquaZul

Losani Homes - Central Park

18

7

31

2&3

11

6

9

Mattamy Homes - River Mill

54 & 55

Thomas Cochren Homes - The Greystones

37

Molinaro Group - Paradigm

43

Tillsonburg Developments - Baldwin Place

21

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Trending now The latest real estate news from across Canada

Crime rates: What are the safest cities in Canada?

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Toronto condo market not overbuilt: CMHC

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Bleed: 0.125”

Colours: CMYK

Built: 22/08/2016 - SH

A Charming Way Of Living Coming Soon To River Mill

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OPENING SOON A R ANGE OF DETACHED 30' & 36' DESIGNS PLUS UPSCALE 43' & 50' DETACHED HOMES River Mill in Cambridge offers exceptional value with thoughtful designs in an inviting landscape. Choose from a range of Detached Homes in this charming family-friendly community.

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MOBILITY FRIENDLY. ENERGY STAR HOMES. 2 MINUTES FROM LAKE HURON.

Detached Bungalows in Kincardine 2-3 Bed, 2 Bath from $290,900

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NO STEPS OR STAIRS. WIDE DOORS. LOWER SWITCHES, COUNTERS & SHELVING.

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AMENITIES

BUNGALOW FEATURES

• 20' x 40' outdoor salt water pool

• 9' ceilings on the main floors

• Community centre (full kitchen, exercise room, etc)

• Radiant in floor heating

• Wood working shop

• Hardwood and ceramic flooring

• Community garden

• High efficiency furnaces and heat pumps with air conditioning

• RV storage • 90 acres of woodlands with trails, hiking & biking, bird watching, cross country skiing • Dog park and unleashed dog run • 18-hole golf club with discounts

ReidsHeritageHomes.com

• Air handlers for improved air quality • Double car garage • Wheelchair sized ensuites with access friendly showerstalls and built-in seats

C. 519.385.0044 P. 519.389.4848

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

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