Southwestern Ontario New Home and Condo Guide - Sept 10, 2016

SEPTEMBER 10 - 24, 2016 VOLUME 19, ISSUE 16, FREE

SOUTHWESTERN ONTARIO EDITION

DON’T MISS GUELPH’S UPCOMING RED CARPET RELEASE!

INSIDE THIS ISSUE

THE UNEXPECTED COSTS OF HOMEOWNERSHIP

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NIAGARA-ON-THE-LAKE: BEAUTY, HISTORY & ECONOMY

WHY IT’S A MUST TO DEAL WITH A REGISTERED BUILDER

2016-09-07 4:44 PM

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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Coming Fall 2016 to Hamilton Mountain

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REGISTER NOW MyCentralPark.ca

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Towns from the low $300’s Singles from the high $400’s

Lincol n M. A lexand er Pkw y

Up Mt Al per bion Rd

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 character-filled 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 Trail Loop leads to the Eramosa Karst right next door and then on to the Bruce Trail.

Every kind of home for every kind of family!

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Pricing and specifications subject to change without notice.

Rendering is artist concept. Map not to scale. E.&OE.

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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 SEPT 10 - 24, 2016 | VOLUME 19 ISSUE 16

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

Sandra Hanak-Vujnovic

ON THE COVER

12

GRAPHIC DESIGNER

Mikmada Homes & CountryGreen Homes

Miguel Cea

Guelph’s Red Carpet Release is coming soon

CONTRIBUTING WRITERS

Joanne Keenan Jeffrey Reed

property profiles

buyers’ resource section

20 Senator Homes

15

Phase III at Havelock Corners in Woodstock

32

38

Cochren Homes

The Greystones of Greenville custom homes

advice

14

Tarion Report

The importance of dealing with a registered builder

44 Mortgage Advice

The unexpected costs of homeownership

53

New releases and grand openings

Molinaro Group

Ushering in ‘The New Burlington’

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 54 What’s Online

+ online

Fundamentally Speaking

What’s in a new home warranty? city focus

48 Niagara-on-the-Lake

Economic force under a shield of beauty and history

NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

WITH

DYNAMIC MAPS

LOOK FOR THE CIRCLE

#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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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

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

DOWNTOWN

2016-09-07 12:06 PM

Editors' Notes

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

NIAGARA-ON-THE-LAKE

SEE MORE ONLINE ypnexthome.ca/NOTL

Best builder in the bunch You’ve agreed that a new home is the way to go, but you still have another big decision to make — choosing a builder. It pays to check the reputation of the builder/developer before you sign.

Start by finding out how long the company has been in business. Ask a sales representative or visit the company’s website.

Next, find out if previous purchasers are happy. Drive around an existing community built by the company and talk to anyone you run into during your tour.

Visit several sales offices and model suites, and get a feel for each company and the staff. Ask a lot of questions and expect to be treated with consideration and respect. No question is too “dumb.”

Think twice about any development where the salespeople push you to make a decision, or where they are not happy to provide you with the information.

When you do find the right home and the right home builder, making that big decision will be a whole lot easier and more enjoyable.

Reading beyond the headlines

WAYNE KARL Senior Editor

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

+ get social

As national organizations, agencies such as the Canadian Real Estate Association and Canada Mortgage and Housing Corp. are mandated to monitor and collect data on the housing market country-wide. Media outlets (including New Home & Condo Guide), naturally, report the information CREA, CMHC and the like discuss in their news releases.

So when CREA reports that “Canadian home sales post third consecutive decline in July” – an eye-catching if not alarming summary – it no doubt gets widespread coverage.

But there is no need to accept such negative news as gospel.

There really is no such thing as the “Canadian” real estate market. Sure, sales or prices might be down in one area, but they could be very healthy in another.

What you really need to pay attention to is what’s going on in your area – to read beyond the headlines to assess what is happening where you live.

It is essential, especially in times when we’re seeing such wide discrepancies in market conditions, to understand that real estate is local.

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 | MIKMADA HOMES & COUNTRYGREEN HOMES

cover story

Guelph’s Red Carpet Release Coming soon…

THE ROYAL CITY OF GUELPH IS

preparing itself for this year’s most anticipated residential community, Royal Valley, brought to you by award-winning builders CountryGreen Homes and Mikmada Homes.

Conveniently located only five minutes north of Hwy. 401 in Guelph’s increasingly popular south end, Royal Valley is a commuter’s dream and a nature lover’s most desirable location to call home.

Previously Victoria West Golf Club, Royal Valley is nestled beautifully between plentiful acreage of mature trees and all nature’s treasures that go hand in hand.

This exciting upcoming community has an incredible selection of qualities including, and not limited to, park facing lots, lots backing onto mature forested areas, pond facing properties and more. The beautifully designed neighbourhood will include picturesque bicycle and walking

trails for the outdoor enthusiast and is conveniently located on the bus route traveling to and from Guelph’s Downtown core and the University of Guelph.

“The public interest in Royal Valley is astonishing, but comes as no surprise,” says Jack Nesbitt, president, CountryGreen Homes. “Previously golf course lands, the nature surrounding Royal Valley is second to none and merely breathtaking.”

Royal Valley’s huge public

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Location

Guelph Builder

Mikmada Homes & CountryGreen Homes Development

Royal Valley Home Type

Back-to-back townhomes and singlefamily homes Contact

royalvalleyguelph.com

PARK TOWN DESIGN. Rendering may vary slightly. Not exactly as shown

BACK-TO-BACK TOWNHOME DESIGN. Rendering may vary slightly. Not exactly as shown

anticipation is clearly expected as Royal Valley is said to be one of Guelph’s most diverse upcoming communities, offering designs ranging from back-to-back townhomes to large single-family homes and everything in between.

CountryGreen Homes, multiple award-winning builder, says everything is “ready to go!” The company says Royal Valley is destined to be Guelph’s most desirable community with a wide selection of

designs suitable for every age and discretion.

Mikmada Homes, finalist for the 2016 Tarion Award of Excellence in the category of mid size builder, is equally prepared for this exciting development. “We just wish we had enough homes to build for every person interested in the Royal Valley community,” says Adam Nesbitt, president, Mikmada Homes.

“The first phase offers a variety of approximately 100 condo and

freehold towns, which we are quite certain will sell quicker than we can release them.”

CountryGreen Homes and Mikmada Homes encourage VIP preregistration at royalvalleyguelph.com to receive priority information prior to its anticipated release this fall.

Pre-register online now for your opportunity to own a home in Guelph’s most exciting upcoming community, Royal Valley!

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Advice | TARION REPORT

Make sure you deal with a registered builder

By Howard Bogach

MORE ADVICE ONLINE ypnexthome.ca/news/advice

JUST A FEW MONTHS AGO, an Ontario man was jailed for repeatedly building and selling homes that were poorly built, unsafe and not enrolled in Ontario’s new home warranty program. In fact, the builder had his Tarion builder license taken away, but continued to sell and build new homes. How did this happen, and how can buyers protect themselves from unlicensed builders?

This is called illegal building and unfortunately it is not uncommon across Ontario. It occurs when new home buyers purchase homes from people who have not been vetted and approved by Tarion, the organization responsible for regulating Ontario’s new home builders. Thankfully, Ontario’s new home warranty program can still help to protect unsuspecting consumers from illegal builders and defects in their new homes.

For the past 40 years, it has been mandatory for all new home builders in Ontario to register with Tarion.

The purpose of Ontario’s new home warranty program is to make sure builders are qualified to build homes and have the financial means to get the job done. It also protects consumers by providing a warranty on their new homes for up to seven years. Tarion employs a team of experienced investigators who track down, charge and prosecute illegal builders. Last year, the efforts of this team led to 105 convictions and fines of more than $330,000. Two builders were also sent to jail.

So how can buyers protect themselves from an illegal builder?

Before purchasing a home, it is essential to check the Ontario Builder Directory available at tarion.com.

All licensed builders are searchable, and the directory provides a 10year history of their work. Beware if your builder is not listed in this directory. Unlisted and unregistered builders may not have the technical competency to build to Ontario Building Code standards and regulations. They may also not have the financial security necessary to build homes in Ontario. In any case, if they are not registered they are very likely building illegally.

When you do find the right builder, make sure your new home is enrolled in the warranty program. Every new home in Ontario must be enrolled with Tarion before it is built. Your builder must provide you with a Homeowner Information Package that explains the warranty process before or on the date of your PreDelivery Inspection, and must repair any items that fall under the warranty by certain deadlines. If they do not, call Tarion for help.

Once you move into your new

home, sign up for MyHome, Tarion’s online warranty service. This allows you to easily submit your warranty forms, and will send you automatic email reminders when your warranty deadlines are coming due. You can upload photos and schedule inspections right from this portal.

If you have issues with your new home and your builder is not responding to you, file a warranty form and then call Tarion. We are here to make sure that builders in Ontario fulfill their warranty obligations. If you have any questions about your new home or a potential new home purchase, we are here for you.

Tarion’s warranty representatives are an essential resource for new home buyers, and can help buyers navigate the entire new home buying process.

The best defence a home buyer can have against an illegal builder is getting informed about the new home warranty. Knowing your rights as a new home buying in Ontario will help prevent you from becoming a victim to an illegal builder. For resources, tips and information about your new home warranty, go to tarion.com

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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

Cambridge

MATTAMY HOMES

River Mill

• 24

Elmira

CLAYSAM HOMES

Elmira

• •

from $304,900 18

Fergus

Reids HERITAGE HOMES

Westminster Highlands

•

from $290's

Guelph

MIKAMADA HOMES

Royal Valley

Innisfil

BW HOMES

Alcona Shores

•

4

Kitchener

COUNTRY GREEN HOMES WestWood Mews •

from mid $200's 7

Kitchener

LOSANI HOMES

Victoria Common •

from mid $300's 6

Paris

LOSANI HOMES

Simply Grand •

from low $300's 6

Plattsville

CLAYSAM HOMES

Plattsville Estates

• •

from $334,900 18

Tillsonburg

TILLSONBURG DEV.

Baldwin Place

• •

from $256,500

Woodstock

CLAYSAM HOMES

Neighbourhoods Devonshire •

Woodstock

SENATOR HOMES

Havelock Corners

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PRICES

•

•

PAGE

BC

45

23

•

from $259,900 18

• •

from low $400's 22

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

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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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Property Profile | SENATOR HOMES

Senator Homes releases…

Phase III at Havelock Corners – the Parkside Collection WITH THE SUCCESSFUL SELLOUT of

Phases 1 and II at Havelock Corners in Woodstock, this one-of-a-kind master-planned community has won fans all over Southwestern Ontario.

Now, Senator Homes extends its warm welcome with the brand new release of Phase III: the Parkside Collection.

Gorgeous bungalows measuring from 1,475 sq. ft., and spacious three- and four-bedroom, two-storey homes up to 3,155 sq. ft. provide an elegant mix of modern designs resting on 42- and 50-ft. lots. The all-brick

and all-brick with stone exteriors are stunningly beautiful. All lots within the new Parkside Collection either front, back or are steps away from parkland and conservation lands: there’s no need to rush to the cottage for the weekend when you own one of these spectacular homes.

Since its inception, Havelock Corners has been the talk of the town, thanks to Senator Homes’ modern twist on classic home designs for all who visit this neighbourhood.

In fact, with more than 40 years of building excellence, Senator Homes

has a flair for innovative design, countless industry awards plus a solid reputation as a family builder.

Ann Parsons, regional sales manager for Senator Homes, is proud of how this new neighbourhood has quickly become a community staple. Adjacent to the lush Pittock Conservation Area and overlooking the winding Thames River, Havelock Corners is rich in character and distinctive charm. It’s where homes designed in classic Olde Ontario-style architecture fit perfectly within a town that is steeped in history.

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…

Location

Woodstock Builder

Senator Homes Development

Havelock Corners Home Type

Single-detached bungalows and twostoreys 1,475 to 3,155 sq. ft.

Sales Centre

251 Pittock Park Rd. (at Oxford Road 17), open Monday to Friday by appointment only, Saturday, Sunday and holidays 11 a.m. to 5 p.m.

Contact

519.539.5010 havelockcorners@senatorhomes.com

MORE PHOTOS ONLINE ypnexthome.ca/senator-havelock

New homes within Phase III’s Parkside Collection are priced from the low-$400,000s. All homes include a gas fireplace, hardwood on the main floor and oak staircase.

The Havelock Corners community parkland is now open to resident families, and provides endless outdoor fun. There are two playgrounds and junior park areas for young children, which will be accompanied by two skating rinks for winter adventures, a half-court basketball court, zip line plus community gazebo backing onto the conservation area.

Senator Homes is the largest home builder in Woodstock. Each of its new homes at Havelock

Corners Phase III provides you with a spacious backyard. Inside, Senator Homes offers a sales centre and furnished models for your viewing pleasure. In addition, the Senator Homes Decor Centre is your onestop shop for everything you need to finish your new home.

Havelock Corners is surrounded

by Mother Nature’s best offerings.

Pittock Conservation Area is a 2,000-acre playground offering hiking, camping, boating, swimming, picnicking, mountain biking, birding and much more. In addition, Havelock Corners is a golf course community, with 13 golf courses in Oxford County, including Oxford Golf and

Country Club/Craigowan, Woodstock Meadows and Sally Creek Golf Club, just minutes from your front door.

As well, the beauty of living in Woodstock is enjoying the best of both worlds: small-town friendliness with nearby rural enjoyment, coupled with every modern amenity. There are endless shopping and dining opportunities in this growing city, which boasts the easiest access to Hwys. 401 and 403 among any Southwestern Ontario community – travel to Toronto or Niagara with ease.

Register now for Senator Homes’ VIP event at Havelock Corners and find your new home today. Register at senatorhomes.com

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BP2016 NH&C Ad 1_Layout 1 2016-06-04 12:54 AM Page 1

BALDWIN P L AC E T I L L S O N B U 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

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Bleed: 0.125”

Colours: CMYK

Built: 06/09/2016 - SH

RIVER MILL IS COMING SOON TO CAMBRIDGE

REGISTER NOW FOR OUR EXCLUSIVE ENCLAVE OF DETACHED HOMES Surrounded by winding roads, greenery, and countless farms and markets, your new community of River Mill will open soon. Expect a variety of Detached Homes, all thoughtfully designed to help you live beautifully in the style of your choosing. Nestled against a tree line just north of Speed River, you'll experience the best of Southern Ontario living in a neighbourhood of gently winding streets and calming cul-de-sacs.

REGISTER TODAY AT

mattamyhomes.com

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Hot Properties

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

LATEST LISTINGS

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

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

THE NEIGHBOURHOODS OF CENTRAL PARK By: Losani Homes City: Hamilton Housing type: Towns from low $300’s, singles high $400’s mycentralpark.ca

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

GREEN VALLEY EAST By: Bayview-Wellington Homes City: Bradford Housing type: Towns, semis and singles in a natural setting greenvalleyestates.ca

WOODWAY TRAILS By: Eastforest Homes City: Simcoe Housing type: Singles from $327,900 and semis from $224,900 eastforesthomes.com

STEPPING STONES By: Phelps Homes City: Smithville Housing type: Townhomes coming soon phelpshomes.com

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

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

LIFE By: Branthaven Homes City: Winona Housing type: Townhomes from the $300’s branthaven.com

AFFINITY CONDOMINIUMS By: Rosehaven Homes Location: Aldershot, Burlington Housing type: Condos from 585 sq. ft. from the upper $200’s affinitycondo.com

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

THE LOFTS By: Surreal Homes City: Brantford Housing type: Lofts in a restored warehouse from $199,900 theloftsat85.com

AQUAZUL By: Homes by DeSantis City: Grimsby Housing type: Waterfront condominiums from the $180’s aquazulcondo.ca

Housing type: Two- and threestorey towns from the $400’s losanifallingwaters.com

LEGACY ANCASTER By: Carriage Gate Homes Location: Ancaster Housing type: Luxury custom homes on up to 66-ft. lots carriagegatehomes.com

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

new openings

TIFFANY HILL By: Rosehaven Homes, Homes

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

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

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

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

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

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

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

FALLINGWATERS By: Losani Homes City: Hamilton Mountain

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

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

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

SEPTEMBER 10 - 24, 2016 | NEW HOME & CONDO GUIDE SWO 25

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Paris

Port Dover

Simcoe

Binbrook

Grimsby

Georgetown

Caledon

Smithville

Welland

Fonthill

Thorold

Ridgeway

Stevensville

Chippawa

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

Halton / Hamilton / Wentworth / Niagara:

SEARCH ONLINE

ypnexthome.ca

2016-09-08 12:43 PM

Fort Erie

ADI DEVELOPMENT

The West

•

from $190's

41

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

ADVERTISER'S MAPPING INDEX LOCATION BUILDERS

SITES

Aldershot

ADI DEVELOPMENT

The West • from $190's

Ancaster

LOSANI HOMES

Ancaster Glen

• from low $500's

6

Ancaster

LOSANI HOMES

Astoria Grand

• from $300's

6

Ancaster

LOSANI HOMES

Augusta • from mid $500's

6

Ancaster

LOSANI HOMES

The Woodlands Ancaster

•

6

Beamsville

LOSANI HOMES

Vista Ridge

• • from $400's

Brantford

EMPIRE

Wyndfield

•

Brantford

SURREAL HOMES

The Lofts

• from $199,900

35

Burlington

ROSEHAVEN HOMES

Affinity Condominiums

• from high $200's

36

MOLINARO GROUP ADVERTISERS

• from mid $700's

•

41

6 2&3

Paradigm •

34

Avalon

40

•

Caledonia

EMPIRE

Greensville

THOMAS COCHREN HOMES The Greystones

Grimsby

HOMES BY DESANTIS

Aquazul

Hamilton

LOSANI HOMES

Central Park

Hamilton

LOSANI HOMES

Fallingwaters • from high $400's

Hamilton

NEW HORIZON

The Gatsby

Jordan

PHELPS HOMES

The Kingsway at Jordan Village •

37

Milton COLETARA

Origin •

19

Niagara

BW HOMES

Passages on the Canal •

Oakville

Mattamy Homes

The Preserve • from $410,990

55

Port Dover

SHELTER COVE

Shelter Cove

• • from $166,000

42

Simcoe

EASTFOREST HOMES

Woodway Trails

•

31

Smithville

PHELPS HOMES

Auburn Trail

•

Smithville

PHELPS HOMES

Stepping Stones

St Catharines

MOUNTAINVIEW HOMES

Elements • from mid $200's

Stoney Creek

BRANTHAVEN HOMES

Explore • from $300's

28

Winona

BRANTHAVEN HOMES

Life • from $300's

29

026-027-SW Map-Hamilton.indd 27

• from $1,400,000

•

•

from $180's

• from low $300's

• from low $200's

• from $327,900 •

from mid $400's

•

40 11 6 6 30

5

37 37 9

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

Burlington

PRICES PAGE

Halton / Hamilton / Wentworth / Niagara:

Port Dover

Aldershot

2016-09-08 12:43 PM

BH_Corp DP NHC July16.pdf

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2016-07-25

4:06 PM

Disoover more about our new and up and coming communities online

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NWH 072 Gatsby Teaser Ad NEW HOMES&C.indd 1 030-New Horizon Gatsby 07-30-16.indd 30

7/26/16 9:07 AM 2016-09-07 12:25 PM

discoverSimcoe!

YOUR NEW DREAM HOME IN

NEW PHASE NOW SELLING! Make your new home

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Imagine lovely lakeside living in Simcoe, only 12 minutes from Port Dover.

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SEMI-DETACHED STARTING FROM

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327,900

$

VISIT US TODAY AT: 150 Woodway Trail Simcoe, ON EASTFORESTHOMES.COM FOLLOW US! Prices are correct at press time and are subject to change without notice. Image used above is the actual previous Model Home; Wentworth II. Brokers protected. Promotions and incentives can be changed or cancelled at any time without notice. Please see a Sales Representative for details. E. & O.E., August 2016

2016-09-07 12:07 PM

Property Profile | MOLINARO GROUP

Ushering in ‘The New Burlington’ Paradigm offers an unparalleled upscale condo lifestyle SINCE 1963, THE MOLINARO GROUP,

led by its incredible team of visionaries and a dedication to worldclass architecture and construction standards, has been sculpting Burlington into the thriving city it is today. Now, the evolution continues with Paradigm, Molinaro’s latest addition to the Burlington skyline.

This master-planned, multibuilding, LEED certified condominium residence, conveniently located at the Burlington GO Station and near the QEW, 403 and 407, ushers in “The New Burlington” – proof that

Burlington residents really can have it all, all year long.

Named Canada’s Best Mid-Sized City by MoneySense Magazine for several years running, Burlington has emerged as a national leader in sustainable growth and environmental protection. For the area residents, not only does the city offer an unbelievable array of outdoor attractions in town, but the year-round beauty of the Niagara Escarpment, Bruce Trail and picturesque wine country are only a short drive away.

But why leave the city limits, when Burlington offers amazing destinations close to home, including the Brant Street Pier, Spencer Smith Park or the Royal Botanical Gardens?

And there’s no shortage of festivals and events, including the worldfamous Sound of Music Festival and Burlington Ribfest, to keep you busy all year round.

“The New Burlington” is a city of luxury, and here, Paradigm does not disappoint. Impeccable landscaping and sleek modern architecture lead residents and their guests into the

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Location

Burlington Builder

Molinaro Group Development

Paradigm Home Type

Master-planned, multibuilding LEED certified condominium residence Sales Centre

2089 Fairview St., open Monday to Thursday 4 to 8 p.m., weekends 1 to 5 p.m.

Contact

905.631.8358 paradigmcondos.ca info@paradigmcondos.ca

stately Porte Cochère from street level, where they’re greeted by a stunning contemporary-style lobby, supervised by a 24-hour concierge.

Paradigm is the perfect home for anyone who loves to entertain, offering an Outdoor Party Terrace and Sky Lounge, in addition to multiple

other well-appointed party spaces.

Paradigm’s location makes it easy to get outside and into nature, the residence also offers unparalleled indoor fitness amenities for those days when you’d rather stay close to home. For Paradigm residents, a beautiful, natural-light filled

swimming pool, hot water spa, cardio and weight training centre, and private basketball court are only a few floors away.

Paradigm’s intelligently designed suites feature spacious open-concept floorplans for one-bedroom, onebedroom plus den and two-bedroom configurations, affordably priced from the high $200,000s. Standard features include polished quartz countertops, glass tile backsplashes, framed glass showers or soaker tubs and private balconies or terraces.

If you want a chance to be a part of Paradigm, you’d better act fast. With the project’s West Tower completely sold out and the Centre Tower nearing capacity, it’s unlikely that sales will be slowing down any time soon.

For more information on Paradigm’s fantastic selection of suites still available, visit the presentation centre as soon as you can. Located at 2089 Fairview St., the centre is open Monday to Thursday from 4 to 8 p.m. and on weekends from 1 to 5 p.m.

For more information, please call 905.631.8358, visit paradigmcondos. ca or email info@paradigmcondos.ca

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UR B A N E L E GA N C E

COMIN G SOON T O BRANT FORD

STARTING AT $199,900 REGISTER NOW FOR VIP ACCESS AT THELOFTSAT85.COM REPRESENTED BY

BU ILT BY K ING & BENTON

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SUR R EAL HOMES

35

2016-09-07 12:07 PM

It’s in your spirit

COMING THIS FALL to BURLINGTON Rosehaven Homes brings you a 6-storey condominium designed with unrivalled quality and attention to detail. Two stunning contemporary buildings rise above the tree-lined streets.

Prepare yourself to experience the elevated lifestyle that is Affinity.

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

Map is not to scale. E&O.E.

36 YPNEXTHOME.CA

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2016-09-07 12:07 PM

No one knows West Niagara better

Bungalow townhomes in Jordan Village

Now Selling!

Now Selling!

Bungalows and family homes on 50ft lots in Smithville

Two story townhomes in Smithville Communities coming soon to Grimsby and Merritton Mills / St Catharines

037-Phelps-Corp 08-27-16.indd 37

Register Now! 31 Gateway Ave. Smithville, ON L0R 2A0 905-945-6978 Phelpshomes.com

2016-09-07 12:25 PM

Property Profile | THOMAS COCHREN HOMES

The Greystones of Greensville Where custom details are only the beginning

YOU CAN SCOUR TORONTO FOR A TEAR-DOWN or reno-from-top-to-

bottom bungalow for $1 millionplus – or you can design your own custom-built Thomas Cochren home on an acre of land in the gorgeous countryside of Dundas for almost the same price.

You’ll discover this rare opportunity within The Greystones, 13 custombuilt homes, atop the Niagara Escarpment in Greensville, mere minutes from the charming town of Dundas. The Greystones will be just six minutes to Starbucks where you’ll also

find shops such as Picone’s, Detour Coffee, Quatrefoil, Nellie James, Horn of Plenty, galleries, parks, annual festivals and even an art school. It goes without saying that Greensville is surrounded by greenspace with Webster’s Falls just down the hill, the Bruce Trail and conservation areas nearby.

In today’s marketplace with wildly rising prices in the GTA, Thomas Cochren Homes (TCH) is offering this opportunity to live in an exclusive community on the cusp of the city in a custom dream home starting at $1.4

million – and have it move-in ready within a year.

The amenities within will be just as outstanding as the surroundings.

Under construction is a fabulous home notable for its copper chimney cap and cupola. Mahogany entrance and garage doors allude to the wonders inside this phenomenal façade of hand-chiseled, natural Pennsylvania fieldstone.

All homes will begin with exterior finishes of natural stone, brick or cedar with architectural mouldings and trim.

But the choice and ideas are always in the hands of the homebuyer as they work one on one with renowned architect John Williams of Williams Residential Design, who is using the Arts & Crafts era as inspiration. This is when your home can meet your needs with the addition of a home theatre, paneled library, indoor pool, workshop, dog shower station, guest suite or a bar, wine cellar or tasting

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room complete with plumbing and millwork.

Says company President Tom Cochren, “Custom homes aren’t restricted to monster homes of 10,000 feet or more.” Time, design and details are key ingredients of a TCH-built custom home.

Those details continue with tongueand-groove cedar porch ceilings, decorative chimney design, custom solid wood entranceway and carriagestyle garage doors. Inside is where the true identity of buyers shines through with custom layouts and cabinetry selections in the kitchen, baths and laundry including stone counters.

Trimwork includes feature archways, decorative coffered ceiling and crown moulding. Hardwood flooring is finished onsite, not in a factory, with natural stone tile in the foyer, baths, the laundry and mud room, plus solid oak staircases and railings.

A freestanding tub and shower and heated floors are part of the luxury of every master ensuite, along with a gas fireplace with stone slab surround, hearth and custom mantel adding to the comfort of the family room.

Central air, central vac and a heat recovery ventilator are also included.

Forming three cul-de-sacs, these homes will be located where rolling hills tell their own story, and each of the 11 remaining lots offer their own unique features and topography.

Homes will be tailored to their surroundings as is the custom way of TCH. Several are perfect for walkout features while others are ideal for an outdoor pool and outbuildings.

A ravine setting for another lot challenges the imagination with a design that could appear to be a single level in front while dropping down several levels in the back for an outstanding vantage point.

Clients of TCH generally are not new to the home building process.

“We offer the custom touch they didn’t get before,” says Tom Cochren. “We build and design from scratch to give

them the home of their dreams – inside and out.” Buyers aren’t looking for model homes and a stack of plans to choose from. Unlike an urban setting, they’ve got 40,000 sq. ft. of land to work with and a home to design inspired by their needs and this setting.

TCH also builds Energy Star homes offering 20 per cent more efficiency above building code requirements; and beyond to R2000 (50 per cent more energy efficiency) and ultimately Net Zero homes which are 80 to 100 per cent energy efficient above code.

There is a rainwater collection cistern that can be used for irrigation. They also suggest small investments like under slab insulation and hydronic tubing rough-in for heated basement floors that can provide greater comfort and pay off in future energy costs.

Thomas Cochren Homes recently received the 2015 Award of Distinction for best renovation over $350,000

Location

Greensville Builder

Thomas Cochren Homes Development

The Greystones Home Type

Custom homes on one-acres lots Contact

905.689.3204 info@thomascochrenhomes.com thegreystones.ca

from the Hamilton-Halton Home Builders’ Association.

The Greystones will showcase an exclusive community of oneof-a-kind custom homes where quality and craftsmanship are the cornerstones and where nothing else compares.

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GUELPH

HWY 5

HWY 8

GREENSVILLE

HAMILTON

BROCK RD.

PETERS CORNERS

N HWY 6

DUNDAS

HWY 403

TORONTO

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2016-09-07 12:25 PM

West_CG_SWO_Aug.pdf

1

2016-08-30

10:56 AM

COMING SOON TO BURLINGTON

A MOST COVETED D E S T I N AT I O N

LUXURY BOUTIQUE CONDOMINIUMS at Aldershot GO Station

190’s

$

From the

Introducing The West, a bold new direction in luxury living at the highly successful Stationwest community. Located in the vibrant Aldershot Village, these glam condominiums are just minutes from downtown Burlington’s shops, restaurants and waterfront.

CONCRETE-BUILT FOR DURABILITY, SAFETY & COMFORT

REGISTER NOW - AdiDevelopments.com PMA Brethour Real Estate Corp., Brokerage. Prices and specifications subject to change without notice. E. & O.E. Brokers Protected.

041-Adi-West 09-10-16.indd 41

Follow us for the most recent updates

2016-09-07 12:07 PM

Live the life you’ve always wanted at

SERENE WATERFRONT LIVING

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, $166,000 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.

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.

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

Come visit Shelter Cove on the shores of Lake Erie. Meet your future neighbours and find out just how wonderful your life can be this close to nature.

Open

Monday Tuesday Wednesday Saturday and Sunday 11 AM to 4 PM Thursday and Friday by appointment

1.866.416.8848

Shelter Cove • www.sheltercove.ca SC-NHCG-FULLPAGE.indd 1 042-Shelter Cove 07-02-16.indd 42

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PHASE 1

SOLD OUT! REGISTER NOW FOR PHASE 2

the

With new home prices thousands less than in the GTA, the time is right to see why Niagara is Ontario’s hottest real estate value!

Located just steps from shopping, dining, entertainment and more, this intimate enclave neighbourhood of just 27 executive townhomes takes full advantage of an unbeatable St. Catharines’ location that’s in the centre of all that the Niagara Region has to offer!

Gourmet kitchens with island/breakfast bar 3-piece stainless steel appliance package Soaring 9 ft. main floor ceilings Convenient main floor laundry rooms Oversized garages with direct access available Located just minutes to the Q.E.W. you’re 1/2 hour to the U.S. and under an hour to the GTA!

PRICED

Sales Office Open Tues - Thurs 2-5pm • Sat & Sun 12-4pm Illustrations are artist’s concept. Prices and specifications are subject to change without notice. E. & O.E.

2C-1055_Enclave_NHG-SWO_FP_Sep.10.16.indd 1 043-Cosmopolitan-Enclave 09-10-16.indd 43

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Cushman Rd.

THE ENCLAVE 583 Welland Ave • St. Catharines, ON

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Bunting Rd.

290

BELOW GTA Prices!

St.

$

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THOUSANDS

Two Bedroom Freehold Townhomes

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• • • • • •

9/7/16 11:49:52 AM 2016-09-08 12:40 PM

Advice | MORTGAGE ADVICE

Unexpected homeownership costs GST/HST New homes are subject to GST or HST on top of the purchase price.

This, however, does not apply to resale properties.

By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

THE JOURNEY TO HOMEOWNERSHIP

takes patience and years of diligent saving. While it starts with a down payment, there can be unexpected costs that come up as a surprise.

Prospective homeowners need to set aside money in addition to the down payment.

Here are some unexpected costs to plan for: Inspection and appraisal fees Home inspections should be conducted to check for major issues prior to buying a new property.

Inspections, which cost up to $700, assess conditions including the foundation, heating, roofing and electrical.

Mortgage lenders may require an appraisal to corroborate the value of the property against the amount being borrowed. Expect to pay around $200 for the property valuation. A property survey may also be necessary to verify boundaries and measurements of the land being sold, which can cost $1,000.

Legal fees Legal representation is needed to ensure that all required documentation is processed in a timely manner. A lawyer will handle mortgage details, conduct a title search to ensure that the seller of the property is the owner, register a new title, and hand over the keys. Expect to pay up to $2,500.

Mortgage insurance Mortgages issued with down

payments less than 20 per cent incur a one-time insurance premium against payment default. Canada Mortgage and Housing Corp. mortgage insurance covers the lender and can cost between 1.8 to 3.6 per cent of the mortgage principal.

In lieu of a single payment, lenders allow the premium to be added to the mortgage, subject to the same interest rate of the agreement.

The premium can cost you thousands of dollars. If a down payment under 20 per cent is unavoidable, try to get the best mortgage rates to maximize savings on interest.

Home insurance Home insurance protects the property and its contents in case of damage or theft. It also provides liability protection in case of injury. Home insurance isn’t regulated in Canada so it’s important to know what a policy covers. Depending on the provider, premiums can be paid monthly or via a lump sum for the year.

Land transfer tax A land transfer tax (LTT) is charged whenever a property changes hands.

While the amount varies across each province, the LTT is calculated as a percentage of the purchase price of the home. Some municipalities, like Toronto, also charge a municipal land transfer tax and will increase the final purchase price. In British Columbia and Ontario, rebates are available to lessen the impact of the tax for firsttime homebuyers.

Property taxes Property taxes can amount to a few thousand dollars. Divide the amount by 12 to gauge the impact of the additional monthly payment. Also consider a probable increase.

Recurring monthly costs, maintenance, and renovations Monthly charges should be budgeted and can include utilities, condo fees and connections to services such as cable and Internet. A larger new home could cost more to heat and cool.

The costs to renovate a kitchen or to repair faulty plumbing can add up quickly. While maintenance may not be necessary in a given year, repairs are inevitable. It’s a good idea to set aside three to five per cent of the home’s purchase price for ongoing maintenance and upgrades.

The bottom line From an assortment of fees, taxes and insurance to regular maintenance, hidden home ownership costs can come as a surprise. Set aside extra funds to cover these expenses. The last thing you want is to come up short on unexpected charges and have a deal on a dream home fall through.

RateHub’s mortgage payment calculator provides a reliable estimate of the cash needed to accommodate for extra costs. In addition to including land transfer taxes and lawyer fees, the calculator also presents a clear view of monthly expenses and payments needed to pay off the mortgage loan.

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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A N N UA L h t 9 1

September 16th - 18th, 2016

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City Focus | NIAGARA-ON-THE LAKE

Niagara-on-the Lake An economic force under a shield of beauty and history CANADA’S OLDEST SMALL TOWN and once named Prettiest

Town in Canada, Niagara-on-the-Lake is an economic force in Niagara with not one but four major economic engines. And it’s the only town in Canada with a lord mayor to head its town council.

Located at the mouth of the Niagara River at Lake Ontario in view of the Toronto skyline, Niagara-on-theLake looks across to Fort Niagara where battles were waged in centuries past. As the former capital of Upper Canada, Niagara-on-the-Lake (Newark) was located in a very precarious position, susceptible to attacks and a major player in the War of 1812. Now this location is ideal for visitors and residents, putting it within 90 minutes by car from Toronto, and less than 30 minutes to Buffalo.

For a town of its size and population (about 16,000), Niagara-on-the-Lake has an economy that is the envy of major cities throughout the province, and undoubtedly the country.

With a base of tourism, theatre, farming and the wine industry, Niagara-on-the-Lake has a bustling economy that rivals those of surrounding cities. The town is a day-tripper’s dream with a main street of shops and dining establishments, hotels and B&Bs and the Queen’s Landing Inn and Convention Centre. The Pillar & Post and Prince of Wales Hotel, which predates Confederation, are stately establishments that have been strongholds in the town for more than a century. When a Christmas Eve fire destroyed the Oban Inn in 1992, it was rebuilt, true to its SEPTEMBER 10 - 24, 2016 | NEW HOME & CONDO GUIDE SWO 47

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Neighbourhood Profile

Downtown Niagara-on-the-Lake Leisurely lakeside strolls, nights at the theatre and wine tasting are all a big part of the lifestyle here. While it can be especially buzzing with excitement during the summer months, the heritage district is busy year-round, simply due to its proximity to the Falls. Even with the tourist presence, you still get a sense of a vibrant local scene.

MORE PHOTOS ONLINE

The vibe You can’t get any closer to the U.S. and still live in Canada, but residents here take particular pride in their history of fending off advances from their neighbours. For more than 200 years, Niagara-on-the-Lake has held the fort – literally, that’s Fort George – on the Canadian side of the Niagara River.

The town is steeped in history, teeming with “so-and-so slept here” plaques. Owners have lovingly maintained these homes so well that it’s no surprise that even the brand-new subdivisions are using their designs as templates.

ypnexthome.ca/NOTL

Meet the neighbours Popular with retirees, Niagara-on-theLake is home to fewer than the average number of households including children – but this is changing as the town expands along Hwy. 55 in particular.

Young professionals and families are drawn to the new houses and townhomes that, while upscale for this region, are still relative bargains compared to GTA prices.

1824 heritage design but with the technology of today.

The Shaw Festival, Canada and North America’s second largest repertory theatre company, was one of the major players that led to the changing face of NOTL from a sleepy, riverside town to a major player in the world of professional theatre, tourism and economics.

Shaw draws millions of visitors and generates more than $100 million annually for the local economy.

Beyond theatre and tourism, the

orchards and vineyards that surround the town proper contribute to the town’s tender fruit industry. More than 90 per cent of Ontario’s tender fruit crop (peaches, pears, plums, prunes, sweet and sour cherries, strawberries, and raspberries) comes from the Niagara Peninsula and the majority of these fruits are grown in orchards found in Niagara-on-theLake. The area accounts for 95 per cent of Ontario’s peach crop and 81 per cent of the entire country’s peach harvest. Roadside stands, operated by

Planes, trains & automobiles Within the heritage core, it’s really easy – and delightful – to make your way on foot. The sidewalks and roads are regularly plowed and in excellent repair year-round. While cyclists will find it a dream to get around when the weather permits, it’s really no place for the carless.

There’s only minimal public transit, mainly linking the town to St. Catharines and other commuter destinations.

Real estate While it’s definitely the most upscale neighbourhood in the region, Niagaraon-the-Lake is still relatively reasonable when you look at what $500,000 can buy. These are beautiful homes, new and old, and while settling here is a good investment, the accompanying lifestyle can get expensive if you’re a wine connoisseur.

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As the former capital of Upper Canada, Niagara-on-the-Lake (Newark) was located in a very precarious position, susceptible to attacks and a major player in the War of 1812.

the farmers that grow the fruit, can be found throughout the area offering visitors an opportunity to buy fruit fresh off the vine from the first strawberry pickings in the spring to the harvest of root vegetables in the fall.

With its moderate climate, it was a natural step to grape growing and now vineyards and wineries have established this area as the birthplace of Ontario’s modern wine industry.

Today, there are as many as 40 wineries surrounding the town. This growth led to the creation of Niagara College’s Winery and Viticulture Technician program, and then the

Wine Business Program, both the first of their kind in Canada at a teaching winery, as well as a Certified Sommelier Program.

For a town its size and population, amenities are abundant. With its popularity among retirement-aged residents, those over 65 years of age number constitute the fastgrowing population resulting in the town’s growth of almost one per cent annually. The town boasts its own yacht club as well as the oldest golf club in Canada enjoying a scenic location along the shore of Lake Ontario. Leading out from the

town into Niagara Falls is the Niagara Parkway, a scenic drive lined by biking and walking paths.

The rural pleasures of Niagaraon-the-Lake with its farming history blend seamlessly with world-class theatre and fine dining experiences.

Once a town under siege, today you can relax in charming B&Bs, refresh with indulgent spa experiences, and delight in locally grown food paired with award-winning Niagara wines.

From antique shopping to challenging golf to internationally celebrated theatre, it offers boundless charm to residents and visitors alike.

SEPTEMBER 10 - 24, 2016 | NEW HOME & CONDO GUIDE SWO 49

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Model Home Photo Compliments of Branthaven Homes | www.branthaven.com

Branthaven’s drive to improve every detail in design and the building process ultimately shapes the way our home buyers live life through better living space.

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

SEPTEMBER 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

4.74 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

2.49 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 2.7 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 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 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 August 29, 2016. Prepared By http://www.FiscalAgents.com/mortgage/rates

SEPTEMBER 10 - 24, 2016 | NEW HOME & CONDO GUIDE SWO 51

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Ad Index

ADVERTISERS Adi Development - The West Condominiums

41

Mattamy Homes - Creekshore Common

55

Bayview Wellington - Multi-Site

4

Mikmada Homes - Royal Valley

45

Bayview Wellington - Passages on the Canal

5

Molinaro Group - Paradigm

34

Branthaven Homes - Corporate

28-29

Mountainview Homes - Elements

9

Claysam Homes - Multi-Site

18

New Horizon - The Gatsby

30

Coletara Development - Origin

19

Phelps Homes - Multi-Site

37

Reid’s Heritage Homes - Westminster Highlands

BC

Countrygreen Homes - Westwood Mews

7

Cosmopolitan Homes - The Enclave

43

Rosehaven Homes - Affinity Condominiums

36

Eastforest Homes - Woodway Trails

31

Senator Homes - Havelock Corners

22

Shelter Cove - Shelter Cove

42

Surreal Homes - The Lofts

35

6

Thomas Cochren Homes - The Greystones

40

24

Tillsonburg Developments - Baldwin Place

23

Empire Communities - Multi-Site

Homes by DeSantis - AquaZul

Losani Homes - Central Park

Mattamy Homes - River Mill

2&3

11

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Advice | FUNDAMENTALLY SPEAKING

What’s in a new-home warranty?

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WHAT’S IN YOUR new-home warranty? Ideally, that’s a question you’ll never have to answer for real – at least not the hard way, be it filing a complaint or, worse, proceeding to a claim settlement.

But, life is sometimes not fair, and despite the best intentions of home builders, things do go wrong. To put it nicely – stuff happens.

Indeed, according to Tarion Warranty Corp., nearly every new home built has some form of defect.

Such is life when you’re building outside, dealing with the elements and working with natural materials.

In most cases, issues get resolved, and builders large and small are getting better at responding to customer concerns.

Still, there are unscrupulous – or worse, illegal – builders that try to circumvent everything from relatively minor registration fees to taxes, all under the guise of “saving you money.”

But when there’s a problem or issue that needs to be resolved, good luck.

That’s why it’s important to ensure your new home builder is registered with Tarion – to provide the peace of mind that Tarion is backing the warranty, as well as to learn what parts of your new home are covered, for how long, and what the steps and procedures are.

Because stuff does, indeed, happen. Typical examples include the following, a Top 10 list of first-year claims: » Paint: inadequate application or coverage

» Doors: improperly installed or finished » Floors: Damaged, cracked or installed with gaps » Drywall: Blemishes on walls, ceilings or corners » Stairs/steps: Inadequately built » Water/moisture: Moisture inside the home » Concrete: Cracking » Baseboards: Improperly installed » Trims: Improperly installed or finished » Cabinets/vanities: Improperly installed or finished You can understand how prevalent such “defects” would be in new homes, and how action is required in many cases. Nine times out of 10, for homes backed by Tarion, they’re resolved without issue.

More drastic is another example involving 23 homes by one builder in one development in Ontario, also, thankfully, backed by Tarion: » After the homes were built, the water table shifted, causing differential soil settlements » The problems arose three to five years after construction » 23 homes were monitored and repaired over a period of five years » 10 homes required major repairs – causing the homeowners to be relocated to hotels for an average of 38 days

The cost to Tarion to rectify the matter? More than $5 million.

The cost to homeowners? Zero.

The benefit of having the peace of mind of a Tarion backed warranty?

Priceless.

Think that would happen if your home was built by an unregistered or illegal developer?

More and more builders, Tarion says, are improving their customer service. And it’s not just the large companies.

“The advantage of using a small builder might be that you often get to know the principal,” says Tarion president Howard Bogach. “But large builders are closing the gap.

“The large builders that do well are the ones that behave like small builders.”

And with real estate and new home prices rising, homebuyers, understandably, expect more.

So, what’s in a new-home warranty? In short, your builder is not just building your home, it’s building a relationship.

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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