Southwestern Ontario New Home and Condo Guide - Nov 22, 2014

Nov 22 - Dec 6, 2014 Volume 17 Issue 21

UNBEATABLE VALUE ALL BRICK, FREEHOLD HOMES WITH $30 MONTHLY ASSOCIATION FEE

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contents p. 14

NOV 22 - DEC 6, 2014 || VOLUME 17 ISSUE 21

ON THE COVER

TILLSONBURG DEVELOPMENTS

Baldwin Place – where unbeatable value awaits in your new home

regular and special features IN EVERY ISSUE 10 Editor’s Note 83 Hot Dates 84 Ad Index COLUMNISTS 16 Tarion Report

Getting involved in your new home construction can affect your warranty

by George Bogach

18 Mortgage Advice

A good financial reason to not overpay for your new home

by Alyssa Richard

38 Building Blocks

Flooring – it’s not just about decor, it’s also about function

by Jeff Paikin

68 Quick Tips

Preparing for the busy season

by Hellen Buttigieg

86 Fundamentally Speaking

IN THE NEWS 62 HHHBA

HHHBA presents membership awards at President’s Gala

HOMEBUYERS’ HELP 26 Top Homebuying Tips

42

Younger homebuyers learning to not max out on their mortgages

63 City Focus

St. Catharines: a city as vibrant as its flourishing surroundings

70 Top Homebuying Tips

Home-hunting tips for couples

73 The Scoop

Decor and reno news, inspiration, style and more

by Sara Duck

50

77 Homebuyers’ Resources

Mortgage Calculator & Rate Table

Looking to buy in Hamilton area?

Here are some areas to consider

by Wayne Karl

community focus features 42 St. Catharines

Bayview-Wellington Homes Never a dull moment at Victoria Village in St. Catharines

58 Burlington

Adi Development Group LINK2 Condos + Towns – successful launch approaches next phase

54

50 Multi-site

Mountainview Homes Black Friday is coming! Huge savings on every home, in every community

54 Hamilton

Spallacci Group & Valery Homes The Residences of Royal Connaught – new suites in a landmark building

New Home WATCH

19 Waterloo 31 Hamilton 66 London

58

MOUNTAINVIEW HOMES’

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Offer & Specifications subject to change without notice. E.&.O.E. Not valid with any other promotion. $12,000 off, plus in-floor heating applies to all deals written on November 28, 2014 only. $12,000 off applies to all deals written on November 29, 2014 only. In-floor heating will be installed in main bath for plans that do not include an ensuite.

Express Homes with tile installed will receive Design Dollars of the same value. Promotion not applicable to exclusions or substitutions.

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 9

//EDITOR’S NOTE

Long-term commitment will afford you peace of mind

W

hether you’re relocating from one coast to the other or moving to your first place, changing homes can be hectic, exciting and certainly stressful. But, relax.

You can eliminate the anxiety associated with moving by taking control of the situation with confidence.

Understanding the market is just part of the story.

Knowing what you need and what you can afford is the more important part of the equation. Making a prudent purchasing decision that doesn’t keep you up at night when interest rates rise or market news becomes the talk of the town is up to you.

Any expert will tell you that buying a home or condo is a long-term commitment.

This issue is full of great tips from the experts as well as the latest news designed to help you make a wise purchasing decision.

Along with our Community Focus features, which outline the specifics on many fine communities, there’s lots to take in. So kick back, relax and enjoy. You’re in the driver’s seat.

SUSAN LEGGE

EDITOR-IN-CHIEF Wall2Wall Media

Follow me on Twitter at Twitter.com/SusanLegge Like us on Facebook. Search: New Home Guide

PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill

DIRECTOR OF SALES, NATIONAL

Josh Heppner

ASSOCIATE PUBLISHER

Susan Maxwell EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge ART DIRECTOR

Daiana Garay EDITOR

Wayne Karl CONTRIBUTING EDITORS

Sara Duck Elisa Krovblit Lydia McNutt

DISTRIBUTION & SALES CO-ORDINATOR

Jennifer Bistron

ADMINISTRATIVE ASSISTANT

Antoinette Jackson MANAGER OF PRODUCTION

Bala Gnanapandithan CO-ORDINATOR

Hannah Yarkony

Susan.Legge@wall2wallmedia.com

GRAPHIC DESIGNER

Viosa Barileva

Location, location, location

What’s important to you when looking for a new home location?

W

hen looking for a new home, a number of factors come into play: How far from work?

How close to schools and shopping? What other important amenities are nearby?

The answers to these and other questions are varied and depend on your personal situation and preferences. What’s most important to you when searching for your perfect “location, location, location?”

It should come as no surprise that buyers increasingly say that being close to public transit and having a short commute are among the features that matter most. Maybe not the number one concern, but certainly right up there,

and increasingly so.

As we approach the end of the year, you’ll hear more and more sources, from Canada Mortgage and Housing Corp., to the major banks and other experts, offer their forecast for 2015. Interest rates, many economists suggest, aren’t likely rise significantly.

Affordability, which varies depending on your local market, is becoming increasingly tested on many fronts.

What’s left? Watch for issues such as land supply and acquisition costs to have a growing impact on pricing, home types and availability.

As you go through the new-homebuying process, these are the types of issues you’ll be learning more about, and that will affect your decision.

We’re here to help. Pick up New Home & Condo Guide in the coming weeks for market news, analysis and other information to help you find your perfect location, location, location.

WAYNE KARL

EDITOR Wall2Wall Media Wayne.Karl@wall2wallmedia.com 10 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

Follow me on Twitter at Twitter.com/WayneKarl Like us on Facebook. Search: New Home Guide

CONTRIBUTING WRITERS

Joanne Keenan Jeffrey Reed Michele Sponagle

Published By

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

newhomeandcondoguide.com

ADVERTISING: Call Susan Maxwell at 416.580.1654 FAX: 416.784.9554 Toll Free: 1.877.269.8257, follow prompts, ext. 4260; e-mail: susan.maxwell@wall2wallmedia.com Office hours are Mon-Thurs. 9-5; Fri. 9-12

CIRCULATION: Free distribution. Published bi-weekly 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 2014: 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.

Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

Please recycle this magazine! Wall2Wall Media 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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13

//COVER STORY

BALDWIN PLACE in TILLSONBURG Where unbeatable value awaits in your new home LOCATION Tillsonburg HOUSING TYPE All-brick, freehold homes on large lots SALES CENTRE 3 Esseltine Dr., just off Quarter Townline Road, open Monday to Thursday 10 a.m. to 5 p.m., Saturday and Sunday 10 a.m. to 5 p.m., Fridays and holidays by appointment CONTACT 1.800.265.5709 519.842.4251 baldwinplace@on.aibn.com baldwinplace.ca

14 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

B

aldwin Place has become a very desirable place to live for retirees of all ages, according to Dominic Bradley, sales and marketing director.

“We are very excited to be welcoming so many new residents to the community… and now with our new models, customized floorplans and updated features, we expect to be busier than ever.”

It’s easy to see why people love Baldwin Place. The homes are great value: all-brick, freehold homes on large lots, starting at only $232,000, including HST. There are no condominium fees, no land lease fees and no maintenance fees. In fact, there is only one low monthly charge of $30 for the community centre. “That’s truly unbeatable value,” says Bradley.

TILLSONBURG DEVELOPMENTS | Baldwin Place

Located in the town of Tillsonburg, Baldwin Place offers residents easy access to major shopping and superior medical facilities.

The recreation centre at Baldwin Place is the hub of the community and always busy.

Residents enjoy the salt water pool, games room, outdoor patio, special events, group activities, gatherings and parties in the common areas. And there’s always an opportunity to start your own special interest group, which is what Carol, a resident for six years, did when she founded the Baldwin Place “On My Own” Club.

Baldwin Place is ideal for active adults who like living in a more temperate climate where residents can enjoy a leisurely stroll into the downtown area or walk the trails through the community.

Baldwin Place is considered by many to be a true neighbourhood of friends.

“Everyone you meet here stops and says hello… something you rarely see in bigger cities,” says Bill, a long-time resident.

What can you expect when you visit Baldwin Place? A wide selection of new models, customized floorplans and an impressive list of updated features and specifications.

Visit he sales centre to see for yourself what makes Baldwin Place such a popular place to live.

You won’t be disappointed.

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 15

//TARION REPORT

Custom homes come with a new home warranty, too GETTING INVOLVED IN THE CONSTRUCTION OF YOUR NEW HOME MAY AFFECT YOUR WARRANTY » by HOWARD BOGACH

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.

For some people, building a custom home can be a dream come true – the opportunity to design the ideal place that exactly suits their taste and needs.

A custom home, built by a builder, is usually considered a “contract home.” It’s a new house built on land already owned by the homeowner where a builder is hired to perform all the work and supply all the materials necessary to construct a completed home.

The builder must provide the mandatory one-year, two-year and seven-year warranties that the law requires for all new houses and condominiums in Ontario. The warranty also provides financial loss coverage of up to $40,000 if you and your builder have a falling out prior to substantial completion of the contract and the amount you paid your builder exceeds the value of the work and materials supplied by the builder.

However, there are always exceptions to the rule. Often with contract homes, homeowners get involved in some of the aspects of the construction, a move that may void part – or even all – of your new home warranty. This is where it is essential that homeowners make informed decisions. Many homeowners don’t realize that signing contracts with trades, and supplying or installing materials themselves may jeopardize their warranty rights.

A new home warranty is not an option. A contract home builder is required to provide the mandatory new home warranty if the builder performs all the work and supplies all the materials necessary to construct a completed home.

If the homeowner takes responsibility or

16 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

any of the essential elements, the home may be considered “owner built,” and will not be covered by the Tarion warranties.

Essential elements include the footing/foundation, framing, exterior cladding, building envelope, and the electrical, plumbing and heating systems.

An owner-built home is one where the landowner owns the lot, and either exercises significant control over the construction of a new home, and/or is responsible for contributing one or more essential elements to it. This can even include entering into contracts directly with subtrades for those essential elements.

Owner-built homes are not covered under warranty because owners would be providing the warranty to themselves.

Before signing a contract with a builder, make sure he/she is a registered Tarion builder by checking the Ontario Builder Directory at tarion.com. It is a criminal offence in Ontario to build homes without being registered with Tarion. If a contract home builder gives you the option of signing essential element contracts yourself, don’t do it! Insist the builder signs these contracts so your warranty rights are protected.

Work supplied or installed by the homeowner can compromise your warranty. Design and work supplied or installed by the homeowner, as well as alterations, deletions or additions made by the homeowner, are not covered under warranty.

Although supplying some non-essential elements such as finishings will generally keep your warranty intact, it can have an impact on certain aspects of your warranty. For example, supplying and installing a kitchen sink will void your warranty on that sink since it was not supplied or installed by your builder.

You can also experience a domino effect if anything you’ve supplied or installed damages something the builder has supplied. For example, a leak from an owner-supplied kitchen sink that damages the builder- supplied floor could void the warranty on the damaged flooring.

When purchasing a contract home, make sure you understand the warranty implications of becoming involved in your home’s construction. If the home is built from the foundation to the finished stage by a builder, it is likely eligible for statutory warranty coverage. However, there are a variety of reasons why a custom or contract home may not be covered under the statutory warranty. Visit tarion.com to find out what types of homes are and are not covered. If you have any questions about your new home’s warranty, call us at 1.877.9TARION or send an email to ismyhomecovered@tarion.com

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Bronte

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FOR MORE INFORMATION ON OUR COMMUNITIES REGISTER AT MATTAMYHOMES.COM Follow us: SALES CENTRE HOURS: Monday - Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm MODEL HOME HOURS: Monday - Thursday 1pm-7:30pm; Friday 1pm-5:30pm; Saturday, Sunday and Holidays 11am-5:30pm All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

//MORTGAGE ADVICE

A financial reason to not overpay for your home » by ALYSSA RICHARD

ALYSSA RICHARD

is the Founder and CEO of RateHub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

Bidding wars are sometimes a hot topic, with resale homes being priced low so potential buyers will come in with high offers. Some markets, such as Toronto, get a bad rap for bidding wars, but we know it’s not the only city in the country that experiences them. After conducting dozens of interviews with real estate agents across the country last year, we found out one Canada-wide truth: if supply is low, demand is high – and many buyers are willing to make offers above and beyond what sellers are asking.

Before you make an offer on any home, even a new home, arm yourself with a mortgage pre-approval; this is the maximum amount of money a lender is willing to give you towards the purchase of a home. When we say maximum, we mean it. The fi rst reason not to overbid on a home is because you don’t want to go over your budget, or stretch yourself so thin that you’re house-poor. But the other reason not to overbid is because your lender’s home appraiser may determine the property isn’t worth what you’ve offered; this leaves you in a tricky financial position.

“Let’s say you offered $400,000 for a home, your offer was accepted and you have $40,000 to put down. If the bank’s appraiser believes it’s worth only $375,000, the bank will only give you a mortgage equal to their appraised value minus your down payment. In this case, that’s $335,000 ($375,000 - $40,000),” explains James Laird of CanWise Financial. “If you still wanted to purchase the home, you would need to come up with the extra cash to make up the shortfall. The shortfall is your purchase price minus the mortgage amount your lender will give you. So, in this example, that’s $65,00 ($400,000 - $335,000).”

Bidding wars are sometimes a hot topic, with homes being priced extremely low so potential buyers will come in with high offers.

18 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

If you can’t borrow money from family or another outside party, you may be forced to walk away from the deal (and risk losing your deposit, in the process). Not having the resources in this situation is what is often referred to as “appraisal risk,” and it’s obviously something you want to avoid. How is that possible? First, don’t overpay, which is something an experienced real estate agent who knows your market should be able to stop you from doing. Second, saving a larger down payment can help reduce your risk, because it allows you to put less money down and use the extra to make up your shortfall.

HALTON HILLS WELLINGTON WATERLOO

New Home WATCH BUILDERS: If you would like to include your new model home or site opening,email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home & Condo Guide!

PREVIEW REGISTRATION THE TRICAR GROUP Guelph | River Mill Condominiums

Condominiums from 805 to 2,415 sq. ft. from the mid $200’s.

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GEMINI HOMES Guelph | The Highlands

Model homes now open for these semis and towns from the low $300’s in east Guelph.

geminihomes.ca

REID’S HERITAGE HOMES Guelph | Alive

DUNSIRE DEVELOPMENTS Guelph | White Cedar Estates

Now open – three- and four-bedroom freehold and condominium townhomes starting from the $300,000s.

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REID’S HERITAGE HOMES Kitchener | Williamsburg Walk

A private collection of bungalows with lofts on 50-ft. lots, backing onto natural greenspace.

reidsheritagehomes.com

FUSION HOMES Guelph | The Metalworks

Now open – midrise urban condominiums starting from the low $200’s.

themetalworks.ca

NEW RELEASES

GEMINI HOMES Guelph | Clair Road

MENKES Georgetown | The Enclaves of Upper Canada

Coming this fall – a new urban village of townhomes and highrise condos on a historic site in downtown Guelph.

Register for more information on this highly desired location in south Guelph.

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FUSION HOMES Guelph | Natura

Register now for priority preview of this collection of townhomes surrounded by woodlands behind Eastview Road.

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NEW OPENINGS MACPHERSON BUILDERS Fergus | Strathlea Fergus

Single-family homes from the mid $300’s, minutes from downtown Fergus, with a new park coming soon.

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CLAYSAM HOMES Elmira | Elmira Country Club Estates

ALMAA AYR CAMBRIDGE ELORA FERGUS GEORGETOWN GUELPH KITCHENER ROCKWOOD WATERLOO

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New release, the 40-ft. Enclaves Collection, near downtown Georgetown and conservation lands.

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REID’S HERITAGE HOMES Kitchener | The Oaks

New 56-suite condominium. Offering a great selection of floorplans that suit a variety of budgets and lifestyles in an established community.

reidsheritagehomes.com

REID’S HERITAGE HOMES Fergus | Westminster Highlands

Master-planned community in Fergus.

Choose from a variety of single-detached homes, bungalow, two-storey and executive townhomes, and midrise condos – close to amenities and trails.

reidsheritagehomes.com

Master-planned community of towns, semis and singles from $256,900.

claysamhomes.com

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 19

20

New Hamburg

Elmira

Plattsville

Stratford

Baden

Owen Sound

Breslau

Collingwood

MILTON, GEORGETOWN, ROCKWOOD, GUELPH, FERGUS, ELORA, ALMA, CAMBRIDGE, KITCHENER, WATERLOO, AYR

Halton Hills / Wellington / Waterloo:

Acton

Scarborough

Ajax

Kleinburg

SITES

PRICES

Elmira

CLAYSAM HOMES

Elmira Country Club Estates •

•

Georgetown

MENKES

The Enclaves of Upper Canada

•

Kitchener

COOK HOMES

Explorer's Walk

•

Kitchener

FUSION HOMES

Explorer's Walk

Kitchener

NEW LIFESTYLE HOMES

Explorer's Walk

Guelph

TRICAR GROUP

River Mill Condominiums

Kitchener

BRANTHAVEN

Nestings

Kitchener

EASTFOREST HOMES

Woodhaven South

Kitchener

MATTAMY HOMES

Wildflowers

•

Kitchener

MONARCH

Topper Woods

•

Kitchener

REID'S HERITAGE HOMES

Williamsburg Walk

Kitchener

WILLIAMSBURG HOMES

Eby Estates

Plattsville

CLAYSAM HOMES

Plattsville Estates

Waterloo

COOK HOMES

The Village in Beechwood West

•

PAGE

from $259,900

22

from mid $700's

37

•

from low $200's

29

•

•

from low $200's

29

•

•

from low $200's

29

from mid $200's

24

from the $400's

13

•

•

•

•

•

•

•

from $259,990

6

from $447,990

44&45

from low $200's

BC

•

from $352,900

27

•

from $309,900

22

from low $500's

25

•

•

23

•

MILTON, GEORGETOWN, ROCKWOOD, GUELPH, FERGUS, ELORA, ALMA, CAMBRIDGE, KITCHENER, WATERLOO, AYR

BUILDERS

Halton Hills / Wellington / Waterloo:

De t.

Se m Bu i ng a To low w Co nho nd m Ad o e ul tL ife sty le

LOCATION

21

Limited

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are made

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Towns, Semis and Singles Now Open!

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Priced From

Priced From

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claysamhomes.com 22

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

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o t e c n a last cH

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23

CMYK

We are honoured to be the recipient of this year’s Tarion High-Rise Builder of the Year Award as voted by our homeowners. Thank you!

Dedication to customer service is at the forefront of what we do and we want your experience with us to be nothing less than exceptional. Choose Tricar as the builder of your next condominium home and experience first hand why we have been a trusted builder for almost 30 years and the first Southwestern Ontario Builder to win this coveted award.

REVERSE

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Priced from the Low $500,000’s

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AN .

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cookhomes.ca

thevillageinbeechwoodwest@cookhomes.ca 519.725.8880 or 519.886.9797 *Offer valid until December 31, 2014. Buyer must order $15,000 or greater in home upgrades to receive full credit of $15,000 in free upgrades.

Offers and plans subject to change without notice. See sales representative for more information. E. & O. E.

25

//TOP HOMEBUYING TIPS

Younger homebuyers DON’T WANT TO MAX OUT ON THEIR MORTGAGE

Today’s Gen X Canadians overwhelmingly consider themselves “House-Plus” buyers who want enough flexibility in the budget to afford things like travel after paying their monthly mortgage. Only one in seven (14 per cent) Gen X Canadians consider themselves “House-All” buyers who go to the higher end of what they can comfortably afford when it comes to their mortgage, leaving less room for discretionary spending. But, according to a recent TD survey, Gen Xers are fairly evenly split between those who see themselves living in their current home forever (42 per cent) and those who see it as a stepping stone to a different property (45 per cent).

“More than two thirds of Gen X Canadians have told us they don’t want their entire budget allocated to mortgage payments,” says Nupi Zubair, associate vice-president, retail products at TD. “It’s possible to own a home and not feel handcuffed to the mortgage, but it does require careful saving and planning before signing on the dotted line. Buyers need to purchase a home at a price they can afford, while still budgeting for the other things on their list of priorities.”

26 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

It’s possible to own a home and not feel handcuffed to the mortgage, but it does require careful saving and planning before signing on the dotted line. Buyers need to purchase a home at a price they can afford, while still budgeting for the other things on their list of priorities. continued on pg.28

Q UI CK

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27

//TOP HOMEBUYING TIPS continued

Keep in mind though, a shorter amortization period and making payments weekly, rather than monthly, can increase overall monthly payments but lower the overall costs of the mortgage.

It really comes down to the buyer’s priorities.

Zubair says that, in addition to the sale price of the home, Gen X Canadians need to factor in other costs of homeownership – such as taxes, maintenance, closing costs and insurance – and set a budget for all of the discretionary things they want to do.

“One way to have more disposable income every month is to make a larger down payment up front, which ultimately reduces the size of the mortgage and monthly payments,” Zubair says. “Keep in mind though, a shorter amortization period and making payments weekly, rather than monthly, can increase overall monthly payments but lower the overall costs of the mortgage. It really comes down to the buyer’s priorities.”

The TD survey found sale price is the most important factor for Gen X Canadians buying a home, followed closely by location and the future appreciation of the home. This was particularly true for those who consider themselves “House-Plus” homebuyers, but even “House-All” buyers put sale price at the top of their list, too. Access to public transit and proximity to schools were much lower on the priority list for all categories of Gen X Canadians, including those who planned to stay in their home forever.

28 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

ZUBAIR OFFERS THE FOLLOWING TIPS TO HELP YOUNGER HOMEBU YERS: 1. Save for a down payment. The easiest way for buyers

to do this is to set up a regular automatic savings plan and add to it any special monetary gifts or bonuses received. First-time buyers can also take advantage of the RSP Home Buyers’ Plan to build a bigger down payment.

2. Set a budget. Start by listing all sources of income, including any potential help from family. Then list all non-discretionary expenses, such as food, utilities, insurance and car or student loan.

What’s left will be the amount available for mortgage payments (replacing current living expenses), savings and any discretionary spending buyers may want to account for.

3. Buy the house that fits the budget. The mortgage should be realistic based on the available budget.

If it’s not enough for the desired home, consider holding off and save for a larger down payment, or look for a less expensive property. The alternative to waiting is finding ways to cut back on allocated discretionary spending money each month.

4. Ask for advice. Buying a home is one of the most important investment decisions Canadians will make, so take the time to talk to an experienced professional. Work with a mortgage specialist and financial advisor in tandem to help develop a strategy to save for a down payment and, after closing, help maximize available funds for discretionary spending and future financial goals, such as retirement or a renovation down the road.

Moving requires a paddle.

TOWNHOMES FROM THE LOW $200s & SINGLES FROM THE MID $300s Move to a new home & get out. Join a new community on the Grand River in Kitchener. The perfect place to live and get out canoeing, kayaking, fishing and much more. Come discover homes conveniently located close to a 68-acre conservation area and major highways.

REGISTER EXPLORERSWALK.COM

Pricing does not include condo fees (where applicable), please see a Sales Associate for details. Some lots may carry premiums. All prices include H.S.T. Prices and features subject to change without notice E. & O. E.

VIEW OUR MAGAZINES ON ANY

DIGITAL DEVICE anytime, anywhere!

Now you can view all New Home & Condo Guide magazines online using any smartphone, tablet or desktop device.

NEWHOMEANDCONDOGUIDE.COM Published by

HAMILTON HALTON NIAGARA

New Home WATCH BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com.

Please say you saw it in New Home & Condo Guide!

PREVIEW REGISTRATION SILVERGATE HOMES St. Catharines | Jacob’s Landing

Register now for these 12 luxury towns and singles from the low $500’s.

jacobslanding.ca

NEW OPENINGS

rosehavenhomes.com

Award-winning designs on 50-ft. lots from $399,990 – decorated model now open.

Bungalow and bungalow with loft condominium townhomes.

LOSANI HOMES Ancaster | Ancaster Glen & The Woodlands Ancaster

Register now for a priority viewing of singles and towns in Ancaster’s most exclusive community.

adidevelopments.com

ROSEHAVEN HOMES Waterdown | Waterdown Meadows

CARRIAGE GATE HOMES Burlington | The Berkeley

Coming soon to downtown Burlington – hotel inspired condo living.

theberkeleycondo.com

PHELPS HOMES Smithville | The Atwater Collection

Register now for this adult lifestyle community featuring a collection of attached bungalows backing onto Twenty Mile Creek.

phelpshomes.com

AVERTON HOMES Niagara-on-the-Lake | Averton Square Coming soon, luxury condominiums to go along with luxury bungalows.

avertonsquare.com

CARRIAGE GATE HOMES Ancaster | Legacy

losanihomes.com

Returning to Waterdown – popular 35-ft. singles.

waterdownmeadows.com

VALERY HOMES Milton | Viva2

Register now for one- and two-bedroom condo suites, while future phases will include condo townhome designs

valeryhomes.com

SILVERGATE HOMES Niagara on the Lake | St. Andrews Glen

Register now for this elegant collection of spacious condo townhomes in this historic town.

standrewsglen.com

SPALLACCI HOMES Hamilton | Eden Park

Coming soon, register today for this collection of luxury 50-, 55-, 60- and 66-ft. lot designs.

Coming soon – Simona Place The Towns of Eden Park Exquisite collection of executive townhomes.

carriagegatehomes.com

spallaccihomes.com

BRANTHAVEN HOMES Burlington | Jazz

SPALLACCI HOMES Hamilton | 101 Locke Condos

Register now for these condos from the $200’s.

jazzcondos.ca

MILTON NIAGARA OAKVILLE PARIS PORT DOVER ST. CATHARINES STONEY CREEK VINELAND

ROSEHAVEN HOMES Chippawa | The Ravines at Lyon’s Creek

ADI DEVELOPMENTS Burlington | LINK2 Condos + Lofts

Coming soon – one- and two-bedroom condos, and two-storey garden villas and lofts.

ANCASTER BEAMSVILLE BINBROOK BRANT BRANTFORD BURLINGTON CATHARINES GRIMSBY HAMILTON

Register now – Boutique condo living is coming to Hamilton’s hip Locke Street.

spallaccihomes.com

EASTFOREST HOMES Paris | Grandville

eastforesthomes.com

SPALLACCI HOMES Hamilton | The Towns of Eden Park

A collection of executive townhomes – Grand Opening Nov. 1.

spallaccihomes.com

SPALLCCI GROUP & VALERY HOMES Hamilton | The Residences of Royal Connaught

Now open – the transformation of this landmark property has begun. Here’s your chance to buy a piece of history.

royalconnaught.com

KINGWOOD HOMES Brantford | Riverwalk West

Now open – 40- and 45-ft. luxury singles, steps from the Grand River.

kingwoodhomes.ca

SPALLACCI HOMES Hamilton | Eden Park

Grand Opening of Chateau-inspired semis collection.

spallaccihomes.com

NEW RELEASES HOMES BY DESANTIS Beamsville | Lincoln Square Fiera

New release of two-storey townhomes within walking distance to trails and natural areas.

homesbydesantis.com

EMPIRE COMMUNITIES Brantford | Wyndfield

New release of freehold townhomes from $219,990.

wyndfield.empirecommunities.com SILVERGATE HOMES St. Catharines | Village on the Twelve

New release of urban townhomes and apartment residences from the $380’s.

silvergatehomes.com

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 31

32

Paris

Port Dover

Simcoe

Binbrook

Grimsby

Georgetown

Caledon

Smithville

Welland

Fonthill

Thorold

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

Halton / Hamilton / Wentworth / Niagara:

Ridgeway

Stevensville

Chippawa

Fort Erie

Aldershot Ancaster Ancaster Ancaster Brantford Beamsville Beamsville Binbrook Binbrook Brantford Burlington Chippawa/Niagara Chippawa/Niagara Fonthill Fonthill Fort Erie Hamilton Hamilton Hamilton Hamilton Hamilton Hamilton Niagara Niagara Niagara Niagara Niagara Niagara Niagara Falls Niagara Falls Niagara on the Lake Oakville Oakville Paris Simcoe Smithville Smithville Smithville St. Catharines St. Catharines St. Catharines St. Catharines St. Catharines Stoney Creek Stoney Creek Stoney Creek Stoney Creek Thorold Thorold Thorold Waterdown Waterdown Welland

BRANTHAVEN HOMES DAWN VICTORIA LOSANI HOMES LOSANI HOMES EASTFOREST HOMES HOMES BY DESANTIS MOUNTAINVIEW HOMES BRANTHAVEN HOMES EMPIRE COMMUNITIES EMPIRE COMMUNITIES BUCCI HOMES ROSEHAVEN HOMES BY DESANTIS MOUNTAINVIEW HOMES SILVERGATE HOMES MOUNTAINVIEW HOMES LOSANI LOSANI SPALLACCI HOMES SONOMA HOMES STARWARD HOMES VRANCOR GROUP EMPIRE COMMUNITIES GREAT GULF MOUNTAINVIEW HOMES MOUNTAINVIEW HOMES PHELPS HOMES SILVERGATE HOMES SILVERGATE HOMES PINEWOOD HOMES BW HOMES BRANTHAVEN HOMES MATTAMY HOMES EASTFOREST HOMES EASTFOREST HOMES PHELPS HOMES PHELPS HOMES PHELPS HOMES BW HOMES JACOB'S LANDING MOUNTAINVIEW HOMES SILVERGATE HOMES STARWARD HOMES EMPIRE COMMUNITIES NEW HORIZON ROSEHAVEN HOMES HOMES BY DESANTIS MOUNTAINVIEW HOMES ROSEHAVEN HOMES SILVERGATE HOMES COUNTRY GREEN HOMES ROSEHAVEN HOMES MOUNTAINVIEW HOMES

Jazz Evergreens Ancaster Glen II The Woodlands D'Aubigny Forest Estates Fiera Collection Hillside Estates The Fairgrounds Finale Summerlea Wyndfield The Villages of Brantwell Lyon's Creek Lyon's Creek The Residences at Lookout The Residences at Lookout Beaver Creek Estates Green Hill Glen Paramount at Valley Park Royal Connaught Style Town Collection Country Ridge Estates 150 Main Imagine Rolling Meadows Fernwood Thundering Waters Streamside on the Twenty Village on the Twelve German Village The Wow Euro Towns Niagara on the Green Oakvillage The Preserve Grandville Woodway Trails Brookside on the Twenty Auburntrail The Atwater Collection Victoria Village Jacob's Landing Generations Jacob's Landing Heritage Point Lush at Victory Waterfront Trails On the Ridge On the Ridge West Community Gibson Heights Beamer Landing The Uptowns of Waterdown Waterdown Meadows Harvest Estates

• • • •

• • • •

•

• • • • • •

•

• • • •

•

•

• • •

• •

• • • • • •

• • • •

• •

•

•

•

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• •

• • • • •

• • •

• •

from high $200's from $332,990 from $306,990 from low $500's from $314,990 from $289,900

•

from high $300's from low $300's from $242,990 from mid $300's from the $440's from low $200's from $216,990 from $344,990 from $305,900 from low $400's from the $380's

from $199,990 from the $350's from mid $300's from high $200's from low $300's from low $500's

•

• • •

• • •

• •

12 34 85 85 23 11 9 13 2&3 2&3 40 41 11 9 48 9 85 85 56 61 36 47 2&3 87 9 9 35 48 48 57 5 13 17 23 23 35 35 35 4 49 9 48 36 2&3 39 41&53 11&53 9 41 48 7 41 9

from $229,990 from mid $200's from mid $300's from low $400's

• • •

• • •

from the $200's from mid $400's from high $300's

• • • •

•

PAGE

from mid $200's

• • •

PRICES

from the $220's from $331,990 •

from $291,990 from mid $200's from $474,990

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

SITES

Halton / Hamilton / Wentworth / Niagara:

BUILDERS

De t Se . m Bu i n To galo w w Co nho n m Ad do e ul tL ife sty le

LOCATION

33

It’s your last chance, only a few lots remain!

403

Gracious design, Grand location. Evergreens on Southcote.

Only minutes from olde Ancaster and its shops and boutiques, Designed for you, your family, your life – everything you’ll ever need.

6

SOUTHCOTE RD

Single Detached Homes from the mid $400s

GARNER RD E

DawnVictoriaHomes.com 34 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

Ancaster | 905-304-6099 Sales Office Hours Mon to Thurs 1pm–6pm | Friday by appointment Saturday & Sunday 12pm–5pm

Whoever said you can’t have it all, doesn’t live here.

There’s nothing like a little extra space to spread your wings. With larger lots, double car garages, and great rooms for family gatherings you simply get more than you bargained for with a Phelps home. Not only do you get more space to live, but the craftsmanship and modern designs have been specially chosen and carefully built.

And what really makes a Phelps home special is where we put it. In Smithville. Away from the hustle and bustle of a big city, surrounded by nature’s best - but close enough to the things that matter; schools, farmers’ markets, and local wineries.

Visit our model home and start living the life you imagined.

Life. Imagined.

Bungalows + 2 storeys

from the mid 300s 905-945-6970 OPENING SOON

Bungalows + 2 storeys

from the low 400s 905-945-6978

EXECUTIVE FAMILY HOMES ON 50’ LOTS

Detached Bungalows from the 350s 905-957-1777

Attached Bungalows from the 280s 905-957-1777 NOW OPEN

NIAGARA’S PREMIER ADULT LIFEST YLE COMMUNITIES

PhelpsHomes.com

Prices, features and specifications are subject to change without notice and are accurate at time of publication. Subject to availability. Please see sales representative for details. E. & O.E.

Love Where You Live

s and Single from Towns

Single

$ 220s

440s

$

Discover the

BEST DEAL IN TOWN!

MO

HAW

GARDEN CITY MUNICIPAL GOLF COURSE

1-888 -770 - 6524 Sales Office Hours: Sat – Wed — 11 a.m. to 6 p.m.

LINKS

Visit our model home 8117 Twenty Road East Hamilton

855 - 454 - 4115 em info@starwardhomes.com ph

RD

ST ON E

CH URC H

RYM AL RD

ING TON

GOLF

SITE

ELL

TON AVE

W

ER W

ENS

toll free

36

Our newest community is now open offering Estate inspired country living close to the city. With a great view of green space and loads of amenities close by, Country Ridge strives to give you the peace and quiet of the country with perks LINC OLN ALEX of city living.

AND ER P K RD

KWY

UPP ER W ENT WO RTH

ST. CATHARINES GOLF & COUNTRY CLUB

to Country ridge

UPP

406

QUE

Welcome Home

UPP ER J AM ES

AVE

T ER

ES

TO QEW

H WESTC

VE RA

STE

E TCH

EAS

WOODBURN AVE

Close to amenities, customizable to your personal taste and golf course lots available.

Come live the dream QUE ENS TON AVE within your new single family home.

Introducing NEW Single Family Homes

from thes

TWE NTY SITE ROA DE

Sales Office Hours: M – Th: 12 noon – 7 pm | F – Su: 11am – 6 pm (including holidays)

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 37

//BUILDING BLOCKS

Flooring – it’s not just about decor, it’s also about function » by JEFF PAIKIN Flooring often sets the tone and feel in a room, which is why choosing the right options for your new home or condo may seem like a daunting decision. The process

JEFF PAIKIN

Past President of HHHBA, has been in the building industry for more than 20 years. As President and CEO of New Horizon Development Group (Builders of the inaugural CHBA Green Home of the Year), there isn’t much in the housing world he hasn’t seen. Jeff will provide regular insight and perspective of what’s going on in today’s market and what buyers should be aware of as they prepare to make a purchase.

He can be reached at info@newhorizonhomes.ca

combines your personal taste with careful thinking about practicality.

After all, it is a surface you and your family will walk, stand and sit on.

Since each room in your home serves a different function, your floor covering should complement each room’s function and style. What’s the size of the family that will regularly use the room, and how much traffic will the floor receive? Children definitely make a difference, as do pets. Will the floor be regularly exposed to moisture? How often is it likely to need cleaning? How long do you hope and expect your new floor to last?

COMMON LIVING AREAS

Flooring really comes down to a matter of personal choice. Some people like wood in their living areas, some tile, others carpet, perhaps all three.

Wood flooring has a natural beauty and elegance, looks warm but is a rigid surface, so is less easy on your feet and back. However, it’s stain-resistant, easy-to-clean and offers long-term versatility. Your options range from boards with “character marks” to boards that are almost completely uniform.

Oak is the most popular, while maple, birch and pine are also widely used.

Tile offers a nearly unlimited variety of patterns and styles, from the simple to the exotic. Because of its dense composition of clay, minerals and water – and a coating of liquid glass for colour and texture – most tiles are resistant to moisture, odour, fire, stains, scratches, allergens and bacteria, which makes this material ideal for kitchens, bathrooms and transition flooring from

38 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

outdoor space to indoor space, such as lobbies or inside patio doors. On the other hand, tiles can feel cold and hard underfoot, so they may not be the best choice if you’re looking for something cosier.

For warmth and intimacy, carpet is probably your best choice. It’s especially appropriate for bedrooms and anywhere you spend a lot of time barefoot. It also provides a certain amount of sound-proofing, as well as warmth and insulation.

It is a child-safe surface compared to others, and causes much less damage when kids trip and fall or play at length on the floor itself. It’s inexpensive to install and comes in a variety of colours and textures. The quality and thickness of the underpad is just as important as the carpet itself.

KITCHENS

When selecting kitchen flooring, durability and ease of cleaning should be your top criteria. Good choices are ceramic tile and linoleum. Linoleum is inexpensive and provides an easy-to-clean surface and comes in countless designs. Ceramic tiles offer superior durability, resisting most dents, dings and scratches. Caution, especially if your family includes children: smooth tiles can be slippery when wet, so you may want to consider ones with a textured surface.

Then there is wood. Some feel it’s an unusual choice given that there are so many other flooring options, but hardwood is an excellent choice for the kitchen. Everyone ends up spending a lot of time there, and wood floors are durable, add a “homey” feel and offer great decorating options when contrasted with wood or other cabinet door surfaces. Make sure you apply a good protective finish, such as polyurethane, or use prefinished wood to guard against moisture.

BATHROOMS

While bathrooms tend to be among the smaller rooms in your house, with the proper flooring they can have a large visual impact. Linoleum, ceramic tile, limestone, marble and granite are all popular and functional choices. Ceramic tiles look great and provide superb durability. Should you elect to go with an even more striking and higher-end material such as marble, you’ll need to employ a team of skilled craftspeople.

And like kitchens, bathrooms see a lot of moisture.

Choosing your flooring is certainly a big decision, but it doesn’t have to be overly stressful. Plan ahead, asking yourself all the important questions beforehand, including who will use the room, what atmosphere you hope to create, how much effort you yourself want to expend maintaining it, and of course, what you’re willing to spend. Having done that, you’ll be well on your way to picking your perfect floor.

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40 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

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WATERDOWN MEADOWS 35’ Singles from $474,990 Prices and specifications correct at press time. Photo is of actual Roseahven Home. E. & O.E. 41

//COMMUNITY FOCUS

Never a dull moment

AT VICTORIA VILLAGE

W

hat can you do when you live at Victoria Village in St. Catharines?

Everything!

Victoria Village is the city’s “other” waterfront; an active person’s paradise for blading, running or hiking and, of course, biking – nearby trails are part of the Greater Niagara Cycle Route. Walk the dog, walk the stroller or walk hand in hand with your sweetheart.

Victoria Village enjoys its St. Catharines location, which presents a number of new, state-of-the-art destinations. Downtown is the new Meridian Centre where residents can watch 42 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

LOCATION: Welland Canals Parkway and Rockwood Ave., St. Catharines HOUSING TYPE: Two-storey and bungalow/loft detached homes SALES CENTRE: Open noon to 6 p.m. daily, closed Fridays and holidays CONTACT: 905.688.7800 1.888.996.9949 victoriavillage@cogeco.net bwhomes.ca

BAYVIEW-WELLINGTON HOMES | Victoria Village

the Niagara IceDogs of the Ontario Hockey League. There’s also the new Kiwanis Aquatic Centre on Carlton Street and other rec centres and parks offering organized recreational and programs for kids and adults alike. The city’s new performing arts centre is scheduled to open in 2015. Entertainment of all flavours can be found at Casino Niagara, Shaw Festival and Brock University’s Centre for the Arts. Enjoy Niagara wines, wineries and festivals all year long, and prepare to celebrate the region’s unique ice wines in the coming winter.

CHOICES, CHOICES, CHOICES.

This is a waterfront community like no other, located steps from the Welland Canal Pathway. That’s right, not minutes, moments, or a short drive but steps – right across the street from this world famous waterway. Watch a spectacular parade of ships from international waters as they climb the staircase of locks from Lock 1 to 7. Residents will recognize Canadian ships from afar – they’re the only ones able to sound their horns.

There are two golf courses and White Oaks Fitness & Squash Club within five minutes. It’s just a two-minute drive from the QEW so residents can reach Buffalo in a heartbeat and Niagara Falls and Niagara-on-the-Lake even faster. With winter coming, kids will enjoy tobogganing on their own hill in the community or the larger Seaway hill around the corner.

Holiday festivities are beginning with craft bazaars taking place and lots of shopping to do at the newly opened Niagara Outlet Mall. With it being five minutes away, residents are literally around the corner and yet will be spared the hustle and bustle of traffic congestion.

Presented by Bayview-Wellington Homes, Victoria Village presents fine living within luxury homes in this Maritime-influenced community. Not far from its flagship, golf course community of Niagara-On-The-Green, Victoria Village pays homage to soldiers awarded the Victoria Cross through its street names.

As always, your welcome to Victoria Village is warm and friendly. Staff are pleased to offer a tour of existing homes, with several offering immediate closing dates. All homes include central air, gas fireplace and fully sodded lots with paved driveways. BW Homes excels at customization on new construction or modifications to existing homes, so buyers can always achieve a home for their needs.

Homebuyers can choose from bungalow, bungalow/loft and two-storey plans, so everyone from empty nesters to the growing family will find a fitting design to suit their needs. Bungalow plans offer living areas of 1,160 to 1,250 sq. ft. to as much as 1,750 sq. ft. with the loft option. Two-storey plans are spacious with sizes ranging from 1,521 to 2,530 sq. ft.

All these things to see and do make Victoria Village a wonderful location with great prices. Everything is right here at Victoria Village.

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 43

Everyone’s Coming to Topper Woods Don’t miss out on this one! A brand new phase at sought-after Topper Woods has just launched. Move up to an enclave of all-detached homes on 43’ and 50’ traditional lots. Live where everything is right around the corner, in Kitchener’s historic Doon Village with schools, local parkland and easy access to Hwy 401.

Brand new bungalow design is now available Choice of three new incentive packages Elegant 43’ and 50’ Singles from $447,990

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//COMMUNITY FOCUS

MOUNTAINVIEW HOMES’ BLACK FRIDAY SALE IS COMING!

Don’t miss out on huge savings on every home, in every community

W

hy should our American neighbours get to have all the fun? Mountainview Homes is excited to announce its Black Friday Sale, coming Friday, Nov. 28 and Saturday, Nov. 29 to all of Mountainview’s current communities.

The Black Friday Sale begins on Friday, Nov. 28 with an incredible, one-day offer. If you’re going to buy a home in the near future, this is the day to do it!

With the purchase of any style of home at any one of Mountainview’s master-planned communities, purchasers will receive $12,000 off the purchase price, plus free in-floor 50 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

heating in the master ensuite! And after the snow we’ve had recently across southern Ontario, we can all appreciate the thought of rolling out of our cosy beds or stepping out of a nice, hot shower to a toasty warm, heated floor – your feet will thank you all winter long!

If you can’t make it to one of Mountainview Homes’ communities on Friday, you’re still in luck. The Black Friday Sale continues on Saturday, Nov. 29, with $12,000 off every home purchase. (Saturday purchasers will not receive the free in-floor heating in the master ensuite).

There is one more reason to purchase a Mountainview home during the Black Friday Sale. On Monday, Dec. 1, the builder will implement its annual price increase throughout all communities. So if you wait, you will not only miss out on the amazing $12,000 off and free in-floor heating, but you missed out on the lowest prices of the year! This is a once-in-a-lifetime sale you don’t want to miss!

MOUNTAINVIEW HOMES | Corporate

With more communities in Niagara Falls, Thorold, Fort Erie and Ridgeway the only question is, which Mountainview community will you choose?

As an added bonus, a home purchased on Black Friday will not only guarantee huge savings, but also ensure that you are buying a home built with unparalleled quality. As Niagara Region’s largest new home builder, Mountainview Homes offers buyers more than 35 years of experience developing distinctive communities and exceptionally built homes.

Mountainview Homes’ Harvest Estates in Welland offers luxurious townhomes starting from $199,900 with Black Friday pricing and single-family homes in an established neighbourhood close to golf courses, parks, shopping and more.

In Fonthill, perched high above the Niagara Escarpment, set amidst rolling green hills dotted with vineyards and fruit orchards, The Residences at Lookout features a stunning collection of family-sized homes on 50-ft. lots and a limited selection of executive freehold towns remain.

One of Mountainview’s most recent communities is River Ridge in Kitchener. Offering a variety of single-family homes on 36-, 40-, 45- and 50-ft. lots, the community is nestled along the Grand River just minutes from shopping, parks, restaurants and more.

With more communities in Niagara Falls, Thorold, Fort Erie and Ridgeway the only question is, which Mountainview community will you choose?

Don’t miss this limited time offer! For directions or details about all of Mountainview’s communities, visit mountainview.com or call 905.323.6233.

CHINESE HOME & CONDO GUIDE 網上 參閱 / Nov 22, 2014 - Jan 31, 十一月二十二日至一月三十一日

Chinese home and condo buyers and investors now have a new comprehensive, full gloss real estate magazine to inform and guide them through the buying process in the Greater Toronto Area.

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ChineseHomeGuide.com

2015 Volume 3 Issue 9

Launched in 2012, the Chinese New Home and Condo shopper and investor will have a valuable new resource to help inform and guide them through the newest communities in the Greater Toronto Area.

Pick Up Your Copy Today or call us for a free copy at 416.626.4889! 產需知 士: 快人一步,勝人一籌 • 投資地 狹小家居的品味設計 • 置業貼 2014-11-03 9:57 AM d 1

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STONEY CREEK

//COMMUNITY FOCUS

THE RESIDENCES OF ROYAL CONNAUGHT

New condo suites in a landmark building

W

ith sales continuing to outpace expectations, phase one construction is set to start at The Residences of Royal Connaught. The transformation of this iconic landmark in the heart of Hamilton’s downtown core has drawn significant interest, with buyers eager to get in early on this one of a kind project.

After reaching 70 per cent sold months ahead of schedule, developers Spallacci Group and Valery Homes are set to make an announcement about phase two before the year’s end.

“We’ve definitely noticed a sense of urgency from buyers coming into the sales centre. I think people are really watching this project and are excited to see how quickly everything is moving,” says Rudi Spallacci, president of the Spallacci Group.

The century hotel’s opulent art-deco lobby has been restored with oversized hand-strung crystal chandeliers, a matrix of polished limestone and granite floors, and original columns reaching up to the grand mezzanine.

Now housing the presentation centre, the lobby will serve as a reception and amenity for residents.

“Sales have well exceeded our expectations and we are extremely happy with what we’ve been seeing. The response has been phenomenal,” says Ted Valeri, president of Valery Homes.

Exquisite suites blend classic and contemporary appeal with the utmost attention to quality and details. Expansive windows in kitchens and bedrooms flood units with natural light and provide a look out to the lush escarpment. Rich textures outfit gourmet 54 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

SPALLACCI GROUP & VALERY HOMES | The Residences of Royal Connaught

LOCATION: Hamilton HOUSING TYPE: Condominium suites in a 13-storey landmark building SALES CENTRE: 112 King St. E., corner of King and Catherine, open Monday to Thursday 1 to 6 p.m. and Saturday and Sunday noon to 5 p.m.

CONTACT: 905.645.0450 sales@royalconnaught.com royalconnaught.com

Exquisite suites blend classic and contemporary appeal with the utmost attention to quality and details. kitchens and luxurious bathrooms. Antique hardwood carries throughout the suite under generous nine-ft. ceilings.

“We’re finding that The Residences of the Royal Connaught is checking all of the boxes for buyers because these are spacious urban suites with state-of-the-art amenities, it’s a gorgeous historic space, and of course you simply can’t beat this downtown location,” says Spallacci.

Centred by two nearby GO stations, The Royal Connaught is easily accessible by all-day train service to downtown Hamilton from the existing Hunter station and the future James Street station, scheduled to begin service for the 2015 Pan Am games. In the heart of downtown, throughway streets and bike lanes and lakeside trails connect residents to the city’s east and west sides.

Expected to sell out quickly, Phase I of The Residences of Royal Connaught consists of 122 new condominium suites housed in the original 13-storey landmark building. The selection of elegant condo designs ranges from 555 to 850 sq. ft. and start from the mid $200,000s. Phase I occupancy is expected for 2016.

The restored lobby houses the presentation centre and model suite at 112 King St. E., the corner of King and Catherine in Hamilton, open Monday to Thursday from 1 to 6 p.m. and Saturday and Sunday noon to 5 p.m. For more information, call 905.645.0450 or email sales@royalconnaught.com To register, visit royalconnaught.com NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 55

56 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

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//COMMUNITY FOCUS

LINK2 CONDOS + TOWNS

Successful launch reaches the next phase LOCATION: Burlington HOUSING TYPE: Studio to twobedroom condo suites; one-bedroom plus den to four-bedroom plus den lofts; one- to four-bedroom plus den garden villas SALES CENTRE: 5210 Dundas St. W., open Monday CONTACT: 905.592.2028 link@bakersales.info adidevelopments.com

58 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

F

ollowing the incredible success of its preview launch, LINK2 Condos + Lofts is feeding Burlington’s growing appetite for innovative contemporary design. Originally slated to launch in spring 2015, Adi Development Group pushed ahead the second phase of the award-winning LINK project in response to unprecedented market demand.

LINK2’s early success represents a paradigm shift in Burlington’s evolving urban landscape. It’s clear the city is evolving and purchasers are looking for contemporary homes with modern amenities in an affordable range, something the authentic lofts, urban condos and garden villas in LINK2 offer.

Nestled at the foot of Bronte Creek, LINK2 provides residents a connection to the outdoors with the unparalleled convenience of a downtown condo.

“We recognized the need for something modern and progressive in Burlington and created LINK as a solution to the evolution the city is experiencing,” says Saud Adi, COO of Adi Development Group. “From the beginning, we knew the market was there, and the continued demand has only reinforced that this is the future here.”

Recently awarded best condo suite design at the Ontario Home Builders Association (OHBA) awards of distinction, LINK2 is unlike anything on the market in Burlington.

ADI DEVELOPMENT GROUP | LINK2 Condos + Lofts

Nestled at the foot of Bronte Creek, LINK2 provides residents a connection to the outdoors with the unparalleled convenience of a downtown condo.

“Smart growth is what Burlington needs right now. The city is changing and we want to provide purchasers with a world-class, modern home that suits their needs while accommodating the growth the city is experiencing,” says Tariq Adi, CEO of Adi Development.

Mimicking LINK’s bold exteriors, each unit’s design is visually striking. Stylish kitchens act as the social hub of each suite, featuring premium features and finishes offered as standard.

Custom wood grain cabinets play off bold granite or polished quartz counters with wide plank laminate leading throughout central living spaces. Optional integrated islands are ideal for entertaining and everyday living.

Built into the hillside, the two-storey amenity building extends entertainment space beyond the suites. A resort-style bar extends from the catering kitchen and lounge space, out onto the lush patio and residents will take advantage of a fully fitted fitness studio.

Located at the corner of Dundas and Sutton in Burlington, LINK2 Condos + Lofts feature studio to two-bedroom condo suites ranging from 437 to 882 sq. ft. priced from the mid $190’s; one-bedroom plus den to four bedroom plus den lofts range from 915 to 1,443 sq. ft.; and one- to four-bedroom plus den garden villas range from 817 to 1,644 sq. ft.

Lofts and garden villas start in the mid $300’s.

The presentation centre is located at 5210 Dundas St. W., Burlington, open Monday.

For more information, call 905.592.2028 or email link@bakersales.info. To register visit adidevelopments.com NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 59

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//IN THE NEWS

HHHBA PRESENTS ITS

2014 President’s Gala Awards

The Hamilton-Halton Home Builders’ Association recently held its annual President’s Gala at Liuna Station in Hamilton. More than 200 people attended this event at which the HHHBA recognized the efforts of hard working members and friends of the building industry. The night was also a celebration of the hard work and success of the Association and this year’s president, Nando De Caria of Desozio Homes.

The HHHBA would like to congratulate our members on their well-deserved awards and for their hard-work and dedication to our industry.

Following is a list of this year’s award recipients:

DISTINGUISHED SERVICE AWARD – BUILDER MEMBER

PAUL WRIGHT MEMORIAL AWARD

DISTINGUISHED SERVICE AWARD – ASSOCIATE MEMBER

PRESIDENTIAL AWARD

This award is presented to a builder member who, during the past year, has made an outstanding contribution to the housing industry and our local association.

2014 Recipient Raymond Zenkovich, Winzen Homes Ltd.

This award is presented to a non-builder or associate member who has made an outstanding contribution to our local association throughout the past year.

2014 Recipient Michael Kelly, Mainway, Hunter Creighton Insurance Inc. 62 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

This is a special award presented to a member or a non-member who contributed remarkably to the housing industry.

2014 Recipient Mohawk College

HHHBA President, Nando De Caria of DeSozio Homes Ltd. has an opportunity to recognize an individual who have helped to make his year successful and he has awarded him with a Presidential Award.

2014 Recipients Anthony Chiarella, Marz Homes Holdings Inc.

CITY FOCUS//

ST. CATHARINES A city as vibrant as its flourishing surroundings » by WAYNE KARL

T

he floral and fragrant gateway to Niagara is St. Catharines, the Garden City. While it may seem to take its nickname from thousands of acres of blossoming gardens, parkland, orchards, vineyards and farmland which surround it, it could easily be a result of the substantial greenhouse industry which thrives within the protective shelter of the Niagara Escarpment Named after the wife of its fi rst mayor, William Hamilton Merritt, hence the uncommon spelling, St. Catharines lies between the shores of Lake Ontario and the Niagara Escarpment, 10 minutes from Niagara Falls, 45 minutes from Hamilton and about 110 kms from Toronto’s Pearson Airport.

With a population of 131,400, St. Catharines is home to almost a third of the residents of the Niagara region.

The city has maintained a diverse blend of industry and commerce which successfully co-exists with a rich agricultural heritage. The soil and climate conditions and the protective environment of the escarpment make this area ideal for growing vegetables and tender fruit which complement the related food processing industry. Th is is also Canada’s most celebrated and prolific wine-producing region.

The region accounts for more than 40 per cent of Canada’s $300-million flower and ornamental plant industry. Almost 3,000 full-time workers are employed by area growers who supply national and international markets. Residents and visitors alike enjoy fresh fruits and vegetables right from the source at farms, farmers’ markets and roadside stands.

On the outskirts of the city is the Wine Route, a scenic trail that winds through Niagara to each of the local wineries.

With the considerable growth in the wine industry, St. Catharines benefits from the creation of agricultural jobs that lead to manufacturing positions at wineries and processing plants, plus skilled specialists, marketing, sales and retail positions, and, of course, construction jobs to build the facilities multiplied by almost 100 wineries in the Niagara area. St. Catharines loves to celebrate both its culture and its agriculture through festivals throughout the year. The piece

63

The piece de resistance is the Niagara Wine Festival that celebrates the grape harvest with dozens of wine and cheese parties, dances, winery tours and one of the largest parades in North America. de resistance is the Niagara Wine Festival that celebrates the grape harvest with dozens of wine and cheese parties, dances, winery tours and one of the largest parades in North America.

Lifestyle is the growing focus of the city fathers. St. Catharines presents a number of new, state-of-the-art destinations for visitors and locals alike. Downtown is the new Meridian Centre where residents can watch the Niagara IceDogs of the Ontario Hockey League. In the north end, a new city library neighbours the Kiwanis Aquatic Centre. The city’s new performing arts centre is scheduled to open in 2015. Other cultural pursuits of theatre, music and dance can be uncovered at Rodman Hall Arts Centre and botanical garden, Brock Centre for the Arts, Niagara Artist Company or Montebello Park where the pavilion is alive with entertainment from spring until fall. The extensive waterways, trail systems and parklands of St. Catharines create a natural network of recreational opportunities that include fishing, sailing, boating, hiking, cycling and golfing.

St. Catharines has also prospered as a shopping mecca and features the region’s largest mall, the newly opened Niagara Outlet Mall, plus The Pen, Fairview

64 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

Mall that has morphed into a power centre, and Harvard Square. All have grown to address the needs of growing communities and new housing developments.

With the scenic and social attributes of the city, it comes as no surprise that home building is big business, especially when Niagara has become a retirement destination due to attractive resale and new home pricing that appeals to Toronto buyers. According to 2013 figures from Canadian Home Builders’ Association, the residential construction industry’s economic impact this area is substantial, with 1,223 new housing starts contributing to 7,740 construction-related jobs making this industry the largest employer in the region, rivaling health care, the casinos and the public sector. That translates into about $423 million in wages that manifest its influence in spending within the local economy. Formerly a motor city and home to two General Motors plants, GM was once one of the largest employers but now employs a fraction of its former work force, equal to the numbers employed at

In addition to the main transportation corridors of the QEW and Hwy. 406, four major border crossings are within minutes. St. Catharines has the distinction of being home to the Welland Canal.

the growing call centres located here Among those contributing to this economic impact are the region’s largest home builder, Mountainview Homes with 13 communities underway, Bayview-Wellington Homes with two of its own long-term projects, and Silvergate Homes, renowned for luxury custom builds with five new home communities of its own in the works.

In addition to the main transportation corridors of the QEW and Hwy. 406, four major border crossings are within minutes. St. Catharines has the distinction of being home to the Welland Canal. Part of its 27-mile route travels through the city as it leads massive freighters from throughout the world on a 325-ft. climb from Lake Ontario to Lake Erie to by-pass Niagara Falls.

St. Catharines packs a great deal of opportunity and lifestyle into its compact size of 39 square miles, an intensive community that flourishes as vibrantly as the gardens within.

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 65

LONDON

New Home WATCH BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home & Condo Guide!

PREVIEW REGISTRATION THE TRICAR GROUP London | Village North

Luxury condominiums from the mid $200’s.

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FOREST PARK HOMES London | Amour Riverbend

Coming soon – elegant town villas from $234,900.

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Steps from the Avon River, this luxurious new lowrise building features suites ranging from 1,200 to 1,800 sq. ft. in two-bedroom or two-bedroom plus den designs, as well as select penthouses.

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SIFTON PROPERTIES London | Westwood Village

FOREST PARK HOMES London | Central Park

sifton.com

Coming soon – urban townhomes from $224,900.

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Grand opening of luxury one-floor Energy Star condos from the low $300’s.

CLAYSAM HOMES Woodstock | Neighbourhoods of Devonshire

Get affordable homeownership in this community of single-family homes minutes from Hwy. 401.

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NEW RELEASES SENATOR HOMES Woodstock | Havelock Corners Detached homes from $209,990 in an established community.

senatorhomes.com

66 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

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NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 67

//QUICK TIPS

Preparing for the busy season » by HELLEN BUTTIGIEG There are many time-consuming activities we do, despite the fact that we don’t enjoy doing them. Could our time possibly be better spent? Is it possible to unburden yourself by improving your methods or delegating some tasks? If it’s a choice between kids and cleaning or sleep versus cooking, why not call in a cleaner or a caterer if it fits into your budget? As the holiday season approaches, try these tips and see if you enjoy this time of year just a little more with a little less on the agenda.

AVOID MALL MADNESS

HELLEN BUTTIGIEG

Hellen Buttigieg, CPO, is a Certified Professional Organizer, life coach, TV host and owner of We Organize U. Visit her website, weorganizeu.com, for a free e-Book on how to find more time, energy and inner peace.

Contact Hellen at info@weorganizeu.com

Do you get stressed when shopping for gifts at the mall? Do those long line-ups and limited parking spots dampen your holiday spirit? There’s still lots of time to shop online and have your items delivered in time for the holidays. Many retailers offer free shipping or other incentives at this time of year.

Another option is to hire a personal shopper. Some major department stores actually offer this service at no cost, so ask!

HELP FOR THE HOST

Hosting a holiday soiree this year? Don’t be a superhero – accept help from others. Make it a potluck. People feel better when they can contribute, and it makes the meal more interesting.

While you’re at it, put your kids to work during the event. They can take coats as guests arrive, freshen up the appetizer plates and load the dishwasher. They’ll be learning valuable skills and you’ll be a more relaxed and joyful host.

ASK AND YOU SHALL RECEIVE

As the popular Rolling Stones song goes, “You can’t always get what you want, but if you try sometimes you might find you get what you need.” The part they left out of the lyrics is “...if you only ask.” Few people ask for what they need. We expect that those around us will just know, and that if they really care about us, we shouldn’t have to ask. However, most people aren’t mind readers. As an experiment, just for one week, find the courage to speak up and make a direct request – and don’t be surprised if you get both what you need and what you want!

FREE YOURSELF

Challenge yourself to spend one weekend a month without doing chores. If you plan in advance, and use the time during the week effectively, it can be done. In fact, it may even motivate you to boost your productivity level during the week substantially. Use 68 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

the time to just relax, unwind and putter around the house. If you find you’re feeling bored, let the initial discomfort pass – on the other side of boredom you’ll find peace and tranquility. Remember, we are human beings not human doings, so we need and deserve to spend some time just “being” – guilt-free.

OVERSCHEDULED AGAIN?

With fall in full swing, many of us begin to take on more and more responsibility and, before we know it, our plate is not only full, it’s overflowing. Before getting to the point of exhaustion and resentment that often comes from doing too much for too many, make a conscious choice to put your needs ahead of the needs of others. Give yourself just a little more breathing room than you think you need. When you make your needs a priority, you’ll not only feel happier, you’ll also be more fun to be around.

HOW TO BE HAPPIER NOW

Most of us have heard the saying, “don’t sweat the small stuff.” It’s great advice for keeping stress under control. I also invite you to “appreciate the small stuff.”

We often think it’s the big things that will make us happy – the house, the fancy car, the great promotion – but those come few and far between. Why put off your happiness until then?

Instead, you can find little pleasures to enjoy every single day: A freshly cut flower on your bedside table, a candle in your favorite scent, a visit from a cardinal in your backyard. It’s pretty simple – pay attention to the little things that make you happy, and you’ll see more of them.

OPPORTUNITY. OPPORTUNITY. OPPORTUNITY.

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^^^ +PZJV]LY;PSSZVUI\YN JH ^^^ +PZJV]LY;PSSZVUI\YN JH ^^^ +PZJV]LY;PSSZVUI\YN JH ϳϭ SWO 69 NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE ϳϭϳϭ

//TOP HOMEBUYING TIPS

Home-hunting tips FOR COUPLES

Many happy couples will admit they are an example of opposites attracting.

When these couples decide to buy a home together, their differences can certainly pose a challenge.

Buying a home is exciting but the process can also be stressful. It is the biggest purchase most people will ever make and there will almost certainly be some conflict when two people need to make such an important decision together.

Once a couple understands the house-hunting process, however, they can have informed discussions, come to compromises and ease some of the stress.

Farhaneh Haque, director of mortgage advice at TD Canada Trust, outlines the topics that every couple needs to discuss before they start home-hunting:

When these couples decide to buy a home together, their differences can certainly pose a challenge. » The skeletons in the closet: When a couple takes out a mortgage together, both of their credit ratings, incomes, and other factors are taken into account. If one person’s credit rating is less than ideal, it can affect their joint mortgage application and even the interest rate or type of mortgage they’ll qualify for together. Couples should have an open and honest discussion about finances to decide on their best course of action. » The expectations: Before they even look at a listing, couples should decide together on their price range based on what they can afford and what features they’re looking for in a home. The home-buying process may move quickly and both parties need to be ready to jump in with both feet when they start searching. » The mortgage: The decisions don’t end with choosing the right neighbourhood and home features. Deciding on the right mortgage is just as important as choosing the right home. Since a mortgage becomes as much a part of a couple’s life as their new home, it’s important that both are comfortable with the mortgage term, interest rate, repayment schedule and other features.

“Some sacrifices will have to be made to find the home and mortgage you will both be happy with,” says Haque. “Having the discussions and coming to these compromises before you’ve entered the pressure-cooker of the home-hunt will make a big difference and likely make the home-hunting journey a much more positive experience for you both.”

More information to help you prepare for the home-hunt is available online at tdcanadatrust.com

70 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

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NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 71

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THE SCOOP//

the

SCOOP CATCH UP ON DECOR & RENO NEWS, INSPIRATION, STYLE AND MORE

{ SCOOP the LOOK! {

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Bring your front door wreath inside !

Rens Sheepskin in White. $40.

VISIT IKEA.CA

Crisp Champagne Glass. $4 each.

VISIT EQ3.COM

LARGE METALLIC MAGNOLIA WREATH. $170. CRYSTAL CHAMPAGNE FLUTES. FROM $6. MARBLE TOPPED GRASSCLOTH BAR. $600. VISIT HOMESENSE.CA

Pinecone Wreath. $29-$50.

VISIT WESTELM.COM

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 73

//THE SCOOP...continued

THESE WILL COME IN HANDY DURING

party SEASON!

Made from 100 per cent certified organic cotton, these beautiful sheets are woven into a 500 thread count and will be beautiful for years to come.

VISIT DOWNUNDERBEDDING.COM

The Pocket Chair is named for its pocket-sized dimensions and ability to hang off a wall to store. This compact, functional chair with classic design is crafted with a chromed-steel frame and seat of your choice, including natural, stained beech or oak plywood.

FOR MORE SPACE SAVING FURNITURE VISIT RESOURCEFURNITURE.COM

The Concept Dual Roller Shade from Sun-Brite Drapery boasts one continuous fabric that alternates between a sheer voile and a privacy fabric, giving you total control over your view and privacy. It also features a built-in valance, where the shade completely disappears when fully raised – now that’s great design.

VISIT SUNBRITEDRAPERY.COM

{PSSST!{ Toms and Target have teamed up for a special collection of home goods and clothing for men, women and children, now available.

For every item bought, they will donate shoes, a blanket or meals to those in need. It’s time to get your shop on!

FOR MORE INFORMATION VISIT TARGET.CA

Walnut and Maple End Grain Brick Pattern Block 14-in by 18-in by 2-in thick. $195.

Maple End Grain Butcher Block 15-in by 20-in by 1.5-in thick $150.

We all know that cutting boards are essential to kitchen prep. But an emerging trend is taking these cutting boards from the kitchen to the table by using them as a beautiful neutral backdrop to display creative apps, such as the ever popular charcuterie board – a party favourite. We adore these customized cutting boards from Knotty’s Woodwork, which are locally sourced and hand-crafted in Canada.

VISIT KNOTTYS.CA

74 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

Over scaled and sharp geometrics characterizes this striking contemporary range of handtufted rugs from Allan Rug. The high/low construction in wool and art-silk creates texture and surface interest. Ranging from soft neutrals to strong colours, these rugs could live in any space.

WE LOVE THESE

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ENTERTAINING ESSENTIALS!

VISIT ALLANRUG.COM

Bar Cart in Brushed Gold Finish. $280.

VISIT HOMESENSE.CA

Vinterfint Tablecloth. $20.

VISIT IKEA.CA

Made-to-order in a variety of fabrics, the Perth Swivel Chair is 100 per cent Canadian made and features a full 360-degree swivel and a solid maple frame. Regular price $1,595. Now $1,095 till Feb. 14, 2015.

VISIT ALTAMODAFURNITURE.COM

Paper Fans from Oh Joy for Target Holiday Collection. $6 for set of three.

VISIT TARGET.CA

Cast Aluminum Engraved Champagne Bucket. $40.

VISIT HOMESENSE.CA

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 75

Model Home Compliments of Monarch Corporation. www.monarchgroup.net

Tranquility, The Serene B with loft and finished lower level, Ajax, Ontario.

NOV2014 Monarch Corporation has been featured as “MODEL HOME OF THE MONTH” as seen in the new home & condo guide model home calendar

HOMEBUYERS’ HELP//

Homebuyers’ Resource Section You love the home, see what you can afford! » Compare mortgage rates for your best deal

» Calculate your mortgage payments using the mortgage payment calculation chart

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 77

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Calculate your mortgage payments INTEREST RATE

AMORTIZATION PERIOD

CHART FIGURE

EXAMPLE: 5%

25 YEARS

5.82

MORTGAGE AMOUNT ÷ 1,000

MONTHLY PAYMENT

(MORTGAGE AMOUNT $125,000)

125

Canadian mortgage payment factors Instructions:

01 02 03 04

Determine the appropriate 5-Year Fixed Mortgage Rate, which is easiest to qualify for.

Run your finger down the left column of the table below to find the rate (round to the nearest 1/4%).

Choose your desired amortization period across the top of the table (25 years has lowest payment and is easiest to qualify for first-time buyers).

At the intersection of the column and row is your mortgage payment per month per $100,000 borrowed.

» Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

80 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

$

Mortgage payment calculation chart %

INTEREST RATES

15 YEARS

2.50%

AMORTIZATION PERIODS 20 YEARS

25 YEARS

30 YEARS

$666

$529

$448

$394

2.75%

$678

$541

$461

$407

3.00%

$690

$554

$473

$421

3.25%

$702

$566

$486

$434

3.50%

$714

$579

$499

$448

3.75%

$726

$591

$513

$461

4.00%

$738

$604

$526

$476

4.25%

$750

$617

$540

$490

4.50%

$763

$630

$553

$504

4.75%

$775

$644

$567

$519

5.00%

$788

$657

$582

$534

5.25%

$801

$671

$596

$549

5.50%

$814

$684

$610

$564

5.75%

$827

$698

$625

$579

6.00%

$840

$712

$640

$595

6.25%

$853

$726

$655

$611

6.50%

$866

$741

$670

$626

6.75%

$880

$755

$685

$642

7.00%

$893

$769

$700

$659

Table provided by Calum Ross, Owner, President and Principal Broker at Calum Ross Mortgage. He can be reached at 416.410.9905, calum@calumross.com and calumross.com NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 81

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

ATB Financial

2.7

Alterna Svgs/Alterna Bk

2.6

Bank of Montreal Bank of Nova Scotia

3 2.6

Canadian Western Bank CFF Bank CIBC

3

ICICI Bank Canada Manulife Bank

3.05 2.7

National Bank

n/a

President’s Choice Finan Royal Bank

2.65 3

TD Canada Trust

3

Tangerine

3

6 Months

1 Year

2 years

3 years

4 years

5 years

4 6.30op 4 6.30op 4 6.30op 4.55 6.45op 4 6.45op

2.94 6.30op 2.98 6.30op 3.14 6.30op 3.29 6.50op 3.14 6.30op 3.69 2.99 6.35op 3.15 3 3.50op 3.14 6.70op

2.89 6.50op 2.98

2.99

3.04

3.24

2.98

2.94

3.19

3.04

3.85

4.39

3.29

2.79

3.44

3.94

3.19

3.04

3.75

4.39

4.99

3.75 2.79

2.59 3.65

3.79 3.14

3.04 3.24

3.65 3.04

3.64 3.04

3.69 3.09

3.89 3.09

3.04

3.75

3.09

3.39

2.94 3.14

3.59 3.95

2.99 3.14

4.44 3.24

3.04

3.44

3.14

3.29

3.24

3.49

3.69

3.79

3.25 2.25

3.95 3.44

4.74 3.94

4.99 4.79

3.6

3.7

4.6

4.95

2.89 3.14

2.79 3.75

2.94 4.64

2.95 4.99

2.79

3.44

3.94

3.19

3.1

3.33

3.65

3.99

3.25

3.29

2.99

2.99

2.59 3.14

2.69 3.29

2.89 2.94

3.09 3.09

2.99 3.14

2.99 3.75

3.39 4.64

3.39 4.99

2.75

3.6

2.95

3.15

3.95 2.65

4.35 3.65

4.84 3.29

5.14 3.19

3.05

3.15

3.25

3.4

2.8

2.9

2.95

3.1

6.70op 4.45 4.4 6.70op

6.30op

3.14 6.30op 3.09 6.30op 3.19

TRUST COMPANIES Community Trust Concentra Financial

n/a n/a

Effort Trust

n/a

Home Trust Company Investors Group Trust

2.5 n/a

MTCC

2.6

6.5 5 6.70op 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 2.89 6.30op 3.45 6.30op 2.89 3.14 6.30op 3.29 6.50op

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U.

4

Comtech Credit Union

2.95

First National Fin. LP FirstOntario C.U.

2.6

IC Savings London Life

n/a

Luminus Financial

2.6

MCAP Meridian Credit Union

2.5 2.75

Parama Credit Union

2.85

Steinbach Credit Union

2.5

6.2 6.40op 3.95 6.34op 4.2 6.50op

4

3.01 6.25op 2.99 6.30op 2.99 3.09 6.34op 3.05 3.14 6.30op 2.95 6.30op 3.6 3.09 6.30op 2.85 3.00op 2.65

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 November 17, 2014. Prepared By Fiscal Agents Financial Information Services 905.844.7700

82 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

HOT DATES//

NOV 22

DEC 4-7

Hamilton Santa Claus Parade

Christkindl Market

DOWNTOWN HAMILTON

The Hamilton Santa Claus Parade this year brings an exciting new lineup of parade floats, entertainment for the whole family and much more. hamiltonsantaparade.com NOV 22

Ancaster Christmas Festival

ANCASTER FAIRGROUNDS ANCASTER

Nov 22 to Dec 6 Calendar of events beginning from Nov. 22 to Dec. 6, 2014

A fairy tale Christmas set in a tranquil country setting. An enchanting festival in the quaint village of Ancaster. This event will have something for everyone. Come shop, sample and enjoy the entertainment in the Christmas Market. ancasterchristmasfestival.com

KITCHENER CITY HALL KITCHENER A free Festival of German Christmas. Over 70 food and gift vendors, entertainment, crafts, traditional characters Angels, Christkindl, Knecht Ruprecht, Klaus the Organ Grinder and more. christkindl.ca DEC 4-7

Christmas Craft Festival

WESTERN FAIR DISTRICT LONDON If you're looking for Christmas decorations and gift ideas, this show is London's largest craft show and sale, with more than 150 artisans participating over the four-days. londoncraftshows.com

NOV 28-30

Hamilton Ski and Snowboard Swap

CHEDOKE GOLF COURSE HAMILTON

The annual Hamilton SkiSwap is an opportunity to buy or sell used equipment or surplus new equipment. hamiltonskiswap.com

NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 83

Advertiser index BAYVIEW WELLINGTON: Victoria Village

4

MENKES DEVELOPMENTS: Enclaves of Upper Canada

BAYVIEW WELLINGTON: Niagara-on-the-Green

5

MONARCH: Topper Woods

BRANTHAVEN HOMES: Corporate

12 & 13

MOUNTAINVIEW HOMES: Corporate

37

44 & 45

9

BUCCI HOMES: Villages of Brantwell

40

NEW HORIZON DEVELOPMENT: Waterfront Trails

39

CLAYSAM HOMES: Corporate

22

PHELPS HOMES: Multi-site

35

COOK HOMES: The Village in Beechwood West

25

PINEWOOD HOMES: The Wow Euro Towns

57

COUNTRYGREEN HOMES: The Uptowns of Waterdown

7

REID’S HERITAGE: Williamsburg Walk

BC

DAWN VICTORIA HOMES: Evergreens

34

ROSEHAVEN HOMES: Corporate

41

EASTFOREST HOMES: Corporate

23

ROSEHAVEN HOMES: On the Ridge

53

SILVERGATE HOMES: Village on the Twelve

48

SONOMA HOMES: Style Town Collection

61

SPALLACCI HOMES: Royal Connaught

56

EMPIRE COMMUNITIES: Multi-site

2&3

FUSION HOMES: Explorer’s Walk

29

GREAT GULF: Rolling Meadows

IBC

HOMES BY DESANTIS: Multi-site

11

STARWARD HOMES: Country Ridge Estates/Heritage Pt.

36

HOMES BY DESANTIS: On the Ridge

53

TILLSONBURG DEVELOPMENTS: Baldwin Place

71

JACOB’S LANDING: Jacob’s Landing

49

TOWN OF TILLSONBURG

69

LOSANI HOMES: Ancaster Glen II

85

TRICAR GROUP: Corporate

24

MATTAMY HOMES: The Preserve

17

VRANCOR GROUP: 150 Main

47

MATTAMY HOMES: Wildflowers

6

WILLIAMSBURG HOMES: Eby Estates

27

84 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

You’re ready for Losani in Ancaster

Phase II Release Freehold Towns

300’s

$

from the upper

Register Now to attend the VIP Preview LosaniHomes.com It’s like no other home buying experience in Canada!

O Freehold towns from the upper $300’s T O N T O N R PPR Visit the sales office at 435 Garner Rd. East, Ancaster ESE OM DR O MUANA INEH Y E N D E V SWOHN O MEOAM DYE RH

THE HOME YOU WANT. WHEN YOU WANT IT. It’s a smarter way of buying; and a better way of building.

With ready-built Pronto Homes on Demand we start building before you buy.

OVER 65 READY-BUILT HOMES AVAILABLE IN 30-180 DAYS

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Most sought after neighbourhood of elegant singles from the mid $300’s

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HAMILTON

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HAMILTON

| Paramount at Valley Park Freehold & condo towns in a park community from the low $300’s

KITCHENER

| Victoria Common

KITCHENER

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BUY BEFORE DECEMBER WITH 5% DOWN & PREFERRED PRONTO MORTGAGE RATES* For information on over 65 ready-built homes

LosaniHomes.com/Pronto Pricing and specifications subject to change without notice. E&OE. *Limited time offer. See Sales Representative for details.

//FUNDAMENTALLY SPEAKING

Looking to buy in Hamilton?

CONSIDER LOOKING HERE » by WAYNE KARL

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@wall2wallmedia.com

or follow him on Twitter at Twitter.com/WayneKarl

Hamilton’s housing market, already a star performer in Ontario especially when compared to high-priced Toronto, will experience steady demand in 2015. Homebuyers moving to the city and increasing job creation support strong existing homes sales, says Abdul Kargbo, senior market analyst for Hamilton and Brantford at Canada Mortgage and Housing Corp. (CMHC).

At the recent CMHC Annual Housing Outlook Seminar for this market, Kargbo said demographic trends will impact the housing industry in Hamilton in 2015.

“The housing market will benefit next year from more people moving into than out of Hamilton. These out-oftown buyers and a tight resale market will continue to support house prices,” says Kargbo. “Growing housing demand is leading to residential intensification through infi ll and

Hamilton’s housing market, already a star performer in Ontario especially when compared to high-priced Toronto, will experience steady demand in 2015.

86 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

redevelopment, with multi-unit housing rising to 56 per cent of starts in 2015 and 2016, up from 44 per cent in 2011.” » Existing home sales will remain strong on wider price gap with Toronto. » More affordable areas will see higher existing home sales in 2015 and 2016. » More jobs will be created in 2015 and 2016, which will support housing demand. » The rental market will tighten as immigrants and echo boomers support rental demand.

As for specific areas in Hamilton that represent the greatest opportunities for new home purchases, Kargbo says buyers might want to look at Stoney Creek, Glanbrook, Flamborough and Grimsby.

“Given the current land availability and positive net in-migration, (those) areas will see higher level of new residential construction for single-detached and townhouses,” he told New Home & Condo Guide.

The City of Hamilton core and Burlington will see higher proportion of apartment construction (which includes condo ownership and rental) in the short and medium term, he added.

Land supply issues – including availability and rapidly rising acquisition costs – are having a notable impact in Toronto. Th is is even occurring in multi-family housing such as townhomes, previously a popular choice for buyers not able to afford detached homes. Over time, this concern could spread to Hamilton.

“Land issues will become more prevalent in the next five years as more people move into Hamilton,” he says. “Th is helps explain why intensification could be a solution to growing housing demand and housing affordability.”

For Ontario overall, growing economic momentum will support stronger activity in the housing market in 2015.

“However, as mortgage carrying costs continue to grow, due largely to rising home prices, demand will increasingly shift to more affordable housing by 2016,” says Ted Tsiakopoulos, CMHC’s Ontario regional economist. “Resale markets surrounding the Greater Toronto Area, higher density dwellings and rental over ownership tenure will benefit most from the continued shift in buying patterns.”

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D SOL

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N

Lot 5 The Queenston • 2,810 sq. ft. on a 42 ft. lot

$ 384990

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Sales office hours: Sat. & Sun. 12pm - 5pm Mon. - Wed. 2 - 7pm • Closed Thurs. & Fri.

SALES OFFICE 1 Sunset Way off Barker Parkway and Hwy. 58 Thorold (905) 680-0841

Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area.

GREATGULF.COM

Your Complete Urban Community - RESERVE NOW VISIT OUR SALES CENTRE FOR PRE-CONSTRUCTION PRICING

N! O O S G N I T R A N ST

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1, 2 & 3 BEDROOM CONDOS

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FROM THE LOW $200s Williamsburg Walk is located in the heart of Williamsburg Town Centre in Kitchener.

This complete, master-planned pedestrian promenade of shops, dining and modern amenities was designed to simplify your busy lifestyle.

Ceramic flooring in Bathroom & In-Suite Laundry

In-Suite Laundry

Kitchen open to Dining & Living.

Perfect for entertaining.

Granite Countertops

CL

Beautifully appointed 1, 2 and 3 bedroom suites, complete with hardwood flooring in living, dining and hallways, granite countertops, ceramic flooring in bathroom and in-suite laundry. Choose from 12 different floor plans - ranging from 639 to 1106 sq.ft. - with plenty of above and underground parking.

WS RI

WH

KITCHEN 7'-6" x 8'-6" W

D

Large Walk-In Closet

DW

Large Living & Dining combination boast hardwood floors

LN LIVING / DINING 10'-6" x 16'-6"

FI

MASTER BEDROOM 10'-7" x 12'-8"

SC H A M A RD

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MONDAY PANTONE THURSDAY & FRIDAY CMYK SATURDAY & SUNDAY BLACK AND WHITE 519 742 4004 INVERTED COLOUR BACKGROUND OTHER OPTIONS MS B LEA

BEDROOM 8'-9" x 10'-3"

325 MAX BECKER DRIVE, SUITE 101 KITCHENER ON N2E 4H5

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SITE LOCATION

.

COMMONWEALTH DR.

N

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2 - 7 PM 2 - 7 PM 12 - 5 PM

poetica

avenir 45 book

AC

Sliding doors open to sunfilled balcony

BALCONY

avenir 65 medium

the * DUMFRIES | 827 SQ.FT. Fonts and characters have been customized for this 2ND, 3RD & 4TH FLOORS

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SALES CENTRE

WESTMO

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williamsburgwalk.ca

brand. If the fonts specified above are used for typsetting in other applications all characters will appear in standard format and may not be exactly as depicted in the Williamsburg Walk wordmark.

210

209

211

212

208 C

201

207

206

205

202

203

204

UNIT TYPE F1

OOR

2 BEDROOM 108 C3

107

106

105

827 ft² 4