GTA New Condo Guide, Mar 14, 2015

Mar 14 - 28, 2015 Volume 19 Issue 6

A CUT ABOVE THE ORDINARY AT AVENUE RD. AND ST. CLAIR

All images are artist concept.

INSIDE THIS ISSUE

THE REAL MICRO CONDO EXPERIENCE

HOUSING AFFORDABILITY DOWN AS TORONTO PRICES RISE

CONDO ETIQUETTE: THE 10 ELEVATOR COMMANDMENTS

Built to make a statement. live well by design. At Avani 2, a sleek urban vibe resonates throughout every suite design, creating spaces that can express your passions and personality.

Built for life. Built for you.

DIAMONDS ARE FOREVER JUST LIKE OUR VIEWS

COMING SOON, BRILLIANT LIVING AT AVENUE & ST. CLAIR FROM THE $300’S Blue Diamond at Imperial Plaza, a new 25-storey tower in the dazzling Forest Hill neighbourhood, brings new intensity to condominium luxury. Sublime amenities, superlative finishes and Toronto’s most radiant views. Experience the brilliance.

REGISTER NOW BLUEDIAMONDCONDOS.CA FO L LOW U S :

@CAMROST

C A M R O S T F E LCO R P

PRICES AND SPECIFICATIONS SUBJECT TO CHANGE. IMAGES ARE ARTIST CONCEPT. ERRORS AND OMISSIONS EXCEPTED. BROKERS PROTECTED

EDITOR’S NOTE

YOUR SEARCH STARTS HERE

SUSAN LEGGE Editor-in-chief

Susan.Legge@ypnexthome.ca Follow me on Twitter at Twitter.com/SusanLegge Like us on Facebook Search: Condo Guide

If you’re picking up New Condo Guide for the first time, it’s your first step in the right direction toward finding the home that’s right for you.

Owning a home allows you to create a living environment that is uniquely yours. Whether you’re still dreaming about buying your first place or are wondering what your next move should be, now is a great time to buy.

Low mortgage rates provide a solid underpinning during the home-buying process. Mortgage rates are at all-time lows. Don’t forget, first-time buyers can also take advantage of the Home Buyers’ Plan to withdraw up to $25,000 from their Registered Retirement Savings Plan (RRSP), tax-free, to add to their down payment and for other purchase-related costs. A spouse or partner can also do this, giving you a total of up to $50,000 toward your home. To avoid tax liability on the withdrawn funds, you will be required to repay the money to your RRSP account within 15 years.

If financial stability, pride of ownership, long-term investment and peace of mind sound attractive to you, check out what’s available in the new condo market.

Your search starts and ends here!

QUESTIONS AND ANSWERS

LYDIA MCNUTT Editor

Lydia.McNutt@ypnexthome.ca Follow me on Twitter at Twitter.com/LydiasTweets

2 NEW CONDO GUIDE MARCH 14 - 28, 2015

Is it a buyer’s or seller’s market? Will prices rise or fall in the next few weeks while you search for the best home and the best deal? What will happen to mortgage interest rates? Should you buy now, or wait until the feverish spring frenzy blows over?

If you’re in the market for a new home, these questions are probably keeping you up at night as you try to answer one over-arching question – is now a good time to buy?

While it’s a good idea to pay attention to the headlines and all the accompanying advice – professional and otherwise – take it with a grain of salt.

Nobody can predict with certainty what will happen in the real estate market. And while the picture may look a certain way from a national, provincial or city-wide perspective, what happens from one street to the next, from one price range to the next, and in your specific circumstances can differ dramatically.

So, back to the question: is now a good time to buy? Take an honest look at your financial situation. Review your assets and debts, including mortgage (current and expected payments on your new place), car loans, lines of credit, student loans and other bills. Are you secure in your job? Are you planning to grow your family? Only you know when the timing is right.

Buying a home is a big decision and a huge commitment. The first step is figuring out your reality and where your comfort level lies. With a little forethought, you’ll be better equipped to make the right decision for you.

1 address... endless possibilities

CONDOMINIUM RESIDENCES AT YORKVILLE & YONGE STEPS TO SUBWAY AND PATH SUITES STARTING FROM $408,000

1YORKVILLE.CA PRESENTATION LOUNGE 162 CUMBERLAND ST. (416) 519-2911 @BazisInc

PRICES AND SPECIFICATIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. E. & O.E. RENDERING IS ARTIST’S CONCEPT ONLY.

MARCH 14 - 28, 2015 NEW CONDO GUIDE 3

NEW CONDO GUIDE

CONTRIBUTORS PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES, NATIONAL

Josh Heppner ASSOCIATE PUBLISHER SWO NEW HOMES

Susan Maxwell ART DIRECTOR

Daiana Garay EDITOR

Lydia McNutt BILD REPORT

LEGALLY SPEAKING

DESIGNER ADVICE

Bryan Tuckey

Jayson Schwarz

Yanic Simard

Bryan Tuckey is president and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/ bildgta), Youtube (youtube.com/bildgta) and BILD’s official blog (bildblogs.ca).

Jayson Schwarz LL.M is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit the website at schwarzlaw.ca or email info@schwarzlaw.ca.

Yanic Simard is New Condo Guide’s design editor, principal designer of the award-winning Toronto Interior Design Group (tidg. ca), and regular guest expert on City’s Cityline. Check out Yanic’s accessory line, Yanic Simard Selected, online at ysselected.com

CONTRIBUTING EDITORS

Sara Duck Wayne Karl Elisa Krovblit DESIGN EDITOR

Yanic Simard

SENIOR SALES MANAGER

Conni Robinson SENIOR ACCOUNT EXECUTIVES

Dionne Fraser dionne.fraser@ypnexthome.ca Nina Downs nina.downs@ypnexthome.ca

SALES & MARKETING CO-ORDINATOR

Terry Bassett ADMINISTRATIVE ASSISTANT

Antoinette Jackson PRODUCTION MANAGER

Bala Gnanapandithan CONDO PRO

STAT CHAT

Barbara Lawlor

Ben Myers

Barbara Lawlor is president and CEO of Baker Real Estate Inc., and an in-demand columnist and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sale of condo developments in the GTA and overseas.

Ben Myers is senior vice-president of Market Research and Analytics at Fortress Real Developments.

Follow his blog posts and commentary on the Canadian housing market at fortressrealdevelopments. com/news or follow him on twitter at @BenMyers29

INVESTOR ADVICE

Andrew la Fleur

Andrew la Fleur is an award-winning realtor with Re/Max. Andrew’s expertise is in helping investors make money in the Toronto condo market. Visit TrueCondos.com/ NewCondoGuide for a free gift. Contact Andrew at 416.371.2333 or andrew@truecondos.com

PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic GRAPHIC DESIGNERS

Viosa Barileva, Miguel Cea, Hannah Yarkony Sandra Hanak-Vujnovic, Mike Terentiev

#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 newhomeandcondoguide.ca Call 416.626.4200 for advertising rates and information. distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices.

COPYRIGHT 2015 All rights reserved by Yellow Pages Homes Limited. Reproduction in any form is prohibited. Contents of this publication are covered by copyright and offenders will be prosecuted under the law.

TERMS Advertisers, editorial content and New 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. Email to susan.legge@ypnexthome.ca.

The views and data expressed by columnists do not necessarily represent those of the publication.

ADVERTISING

CIRCULATION Free

HOME SWEET HOME

IN THE NEWS

MORTGAGE ADVICE

Lydia McNutt

Wayne Karl

Alyssa Richard

Lydia McNutt is an award-winning writer and editor of New Condo Guide.

Lydia’s love of architecture, interior design and the written word have landed her happily at home at Yellow Pages NextHome. Email Lydia.McNutt@ypnexthome.ca and follow her on Twitter @LydiasTweets

Wayne Karl is an awardwinning writer and editor with experience in real estate and business.

In Fundamentally Speaking, Wayne explores the basics of buying property. Email Wayne.Karl@ypnexthome.ca or follow him on Twitter at Twitter.com/WayneKarl

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.

4 NEW CONDO GUIDE MARCH 14 - 28, 2015

Please recycle this magazine! Yellow Pages NextHome participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

NOW UNDER CONSTRUCTION FINAL RELEASE OF TERRACED UNITS

Condominium Residences at Yonge and Eglinton Direct subway access - Starting from the $360,000’s

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

@BazisInc MARCH 14 - 28, 2015 NEW CONDO GUIDE 5

Visionary architecture. Forever vistas. An inspiring address.

Come home to your senses Healthy, resort-style condominium living in Oakville from $219,990*

Introducing a condominium that lets you indulge all your senses.

Magnificent suites with panoramic views. Luxurious amenities designed to let you live life to the fullest in one of Oakville’s best locations. Come home to your Senses.

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*Prices, sizes and specifications are subject to change without notice. Rendering is artists concept.

Exclusive listing brokerage TFN Realty Inc. Brokers Protected. E.&O.E. 6 NEW CONDO GUIDE MARCH 14 - 28, 2015

MARCH 14 - 28, 2015 NEW CONDO GUIDE 7

CHOOSE ANY FLOOR, ANY VIEW, MOVE IN NOW & PAY ONE PRICE ON 1 BEDROOM + MEDIA & 2 BEDROOM SUITES*

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

MARCH 14 - 28, 2015 NEW CONDO GUIDE 9

BRIGHT LIGHT S, BIG CIT Y

CONDOS AT YONGE & EGLINTON

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CityLightsCondos.ca • 416.546.6605 Exclusive Listing Brokerage Circle M Realty Corporation and Milborne Real Estate Inc. Brokers Protected. Prices and specifications are subject to change without notice. Illustration is artist’s concept E.&O.E

8 NEW CONDO GUIDE MARCH 14 - 28, 2015

BILD REPORT

Vote for GTA’s best community

By Bryan Tuckey

N

ow’s your chance to vote for the GTA’s best new community, and you could be choosing the 2015 People’s Choice Award winner – to be announced on April 24 at the annual BILD Awards.

We have eight finalists, some are lowrise communities and some are highrise communities and they can be found across the GTA. You can view the descriptions and images related to each one and cast your vote.

The finalists include: Aurora Trails by Arista Homes Ltd.; Kingston & Co. Condominiums by TAS; Lanehouse on Bartlett by Curated Properties; Minto Westside by Minto Communities; Sean in Barrie by Sean Mason Homes; The Academy by LeMine Developments Group; The Preserve by Mattamy Homes Ltd.; and YC Condos – Yonge at College by Canderel Residential Inc. I can’t wait to see the results and our members like to hear the results of the People’s Choice as well.

You can vote online at bildpca.ca or you can visit the National Home Show March 14 to 15 and March 21 to 22 and see the finalists’ communities on exhibit. Here’s the best part: at the Home Show, you can vote on the spot!

We’re even going to have some of our Young BILDer committee members, who are some of our young leaders in the association, volunteer at the exhibit to answer questions about the finalists, the awards and the industry in general.

Every year, more than 200,000 visitors come to the National Home Show and with more than 750 exhibitors showcasing the best and newest home products, this is one show you won’t want to miss. We’ve co-located again with Canada Blooms, which brings more than 50,000 sq. ft. of feature gardens under the same roof and the Show runs from March 13 to 22 at the Direct Energy Centre at Exhibition Place.

On Mon., Mar. 16, there will be family-friendly activities for the kids and all week long you can find RenoMark renovators and trade contractors volunteering at Destination Renovation, the BILD booth, and giving our free advice to homeowners. Speaking of free advice, if you have a design 10 NEW CONDO GUIDE MARCH 14 - 28, 2015

dilemma, celebrity designers will be on hand to review your photos, floor plans, paint samples and provide some guidance.

Save $3 when you get your tickets online at nationalhomeshow.com and we hope to see you there!

Bryan Tuckey is president and CEO of the Building Industry and Land Development Association and a land-use planner who has worked for municipal, regional and provincial governments. Follow him on Twitter @bildgta, facebook.com/bildgta and bildblogs.ca

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“Live free for a year” refers to credit for maintenance fee for one year as listed in the condominium documents. ALL SALES REQUIRE MORTGAGE APPROVALS. A 95% MORTGAGE APPROVAL IS REQUIRED or PURCHASER IS TO PROVIDE ADDITIONAL DEPOSITS ON OCCUPANCY for the difference. Special Deposit structure is not available for Off shore deals.

Prices and Specifications subject to change without notice. Promotions may be changed and or cancelled at any time without notice. Exclusive Broker Milborne Real Estate Inc. Brokers Protected. Please speak to Sales Representative for full details. E. & O. E.

MARCH 14 - 28, 2015 NEW CONDO GUIDE 11

CONTENTS

MAR 14 – 28, 2015

VOLUME 19

ISSUE 06

COVER STORY

Blue Diamond 20 Camrost-Felcorp’s proposes a brilliant gem in a fine setting

COLUMNS / NEWS / FEATURES 2

Editor’s Note

4

Contributors

10 BILD Report Vote for GTA’s best community

by Bryan Tuckey

14 Home Sweet Home Average 416 house on a millionaire budget

by Lydia McNutt

16 Hot Dates Events to check out in and around the GTA 18 Mortgage Advice The overnight lending rate stays put, for now...

by Alyssa Richard

22 CMHC Report Coldest month on record puts drag on housing starts

38 Condo Sense The real micro condo experience

24 In The News CHBA recognizes housing industry’s best

44 In The News Canada’s housing affordability takes a hit. Thanks T.O.

28 Stat Chat Chances of housing market correction in Canada less than five per cent

by Ben Myers

32 Condo Pro Condo living is “right” for just about everyone

by Barbara Lawlor

34 Investor Advice Five things every investor should know about occupancy fees

by Andrew la Fleur

12 NEW CONDO GUIDE MARCH 14 - 28, 2015

by Kara Kuryllowicz

by Lydia McNutt

46 Condo Sense Elevator etiquette: The 10 Commandments

by Jane Herman

48 Legally Speaking Not every lawyer is a real estate lawyer

by Jayson Schwarz

50 In The News Auto industry surge boosts Ontario economy, housing sector

by Wayne Karl

52 Designer Advice Get friendly with fabrics

by Yanic Simard

58 Money Matters Coming clean

by Gail Vaz-Oxlade

62 In The News Higher fees loom for Ontario new-home buyers

by Wayne Karl

64 Finances 27.5 per cent of Canadians are in credit card debt denial 7 2 Condo Watch 416

Previews, new releases and grand openings in the 416

78 In The News Convenient, intelligent Canary Park offers ultimate contemporary urban living

98 In The News The Craftsman’s new sales centre sets success trend for Toronto condominiums

82 Sweetest Suites Model suite showcases innovative thinking and luxurious design at 5959 Yonge St Condos

100 Homebuyers’ Help How to research your new home purchase

84 Finances Out of sight, out of mind? More than half of Canadians have never checked their credit score 96 Condo Watch 905 Previews, new releases and grand openings in the 905

106 Condo Culture The wine cellar solution for condo dwellers 108 Condo Hunter’s Checklist 113 Condo Buyers’ Resource Section 118 Advertiser Index

CONDO PROFILES

73

DAVIES SMITH DEVELOPMENTS Eleven Superior A new era for Mimico-by-the-Lake continues to shape-up with Eleven Superior

76

DIAM DEVELOPMENTS On The Danforth Kinetic-inspired architecture to energize Toronto’s east end

102

GUIZZETTI CORP. Grand Palace Condominiums Luxury reigns in Richmond Hill

MARCH 14 - 28, 2015 NEW CONDO GUIDE 13

HOME SWEET HOME

Average 416 house on a millionaire budget

By Lydia McNutt

T

he average price of a Toronto detached home hit an all-time high in February, at a mind-boggling $1,040,018 - up 8.9 per cent year over year, according to the latest figures released by the Toronto Real Estate Board (TREB).

This means that in order to qualify for a conventional mortgage on your average singledetached digs in the 416, your down payment will run more than $200,000.

Ouch!

These numbers only confirm what we already know: Toronto real estate is expensive, so much so, that homebuyers are moving up and out to make ends meet. Translation: condos and suburbs are gaining speed.

But the 905 isn’t too far behind its 416 counterpart, with detached prices up 8.5 per cent over Feb. 2014 to an average of $694,285. While that’s more palatable, it’s still hard to swallow for many homebuyers – especially first-timers with whitepicket-fence dreams.

For those who aren’t willing to compromise on their three-bedroom, backyard ideals, Paul A. Golini Jr., co-founder and executive vicepresident of Industry Relations at Empire Communities, let us in on an old industry saying: You drive until you qualify, “and will continue doing so if it means you’ll have a bigger house or lot.” That accounts for the “out” trend.

On the other hand, if you prioritize location over lot size, February saw a narrowing gap between condos in the 416 and 905, with prices averaging $369,655 and $322,055, respectively. So, what about that $47,600 price differential?

14 NEW CONDO GUIDE MARCH 14 - 28, 2015

A recent study by Pembina Institute and RBC, Location Matters: Factoring location costs into homebuying decisions, explored location-related costs and how these affect the bottom line of home ownership, beyond sticker price.

While walkable neighbourhoods are typically more expensive at first glance, Pembina and RBC crunched the numbers and found that residents spend on average $10,000 a year on car ownership. Buy and keep the downtown property for five years, and put those car costs toward your mortgage, and you can have your cake and eat it too.

Lydia McNutt is an award-winning writer and editor of New Condo Guide. Lydia’s love of architecture, interior design and the written word have landed her happily at home at Yellow Pages NextHome, where real estate rules. Email Lydia.McNutt@ypnexthome.ca, and follow her on Twitter @LydiasTweets

COMING THIS SPRING

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The Bartholomew collection of condominium suites and traditional towns is redefining downtown living. Smart designs, impeccable designer finishes, outstanding amenities, and townhomes with private backyards – all just steps from a new 6-acre park, aquatic centre, MLSE athletic grounds, schools, shopping, and dining. And, the TTC is at your door. This is an extraordinary opportunity to own a new home in the awardwinning, world-leading Regent Park revitalization – In the heart of it all, you can have it all.

Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artist’s concepts. Prices and specifications are subject to change without notice. E.&O.E. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited. *Conditions apply, see sales representative for full details. **Conditions apply. First Home Boost Program is only available on a limited number of suites.

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HOT DATES

MARCH 2015 Calendar of events taking place from Mar. 14 – 28

March 13 – 22

National Home Show + Canada Blooms

March 23 – 27

World Mastercard Fashion Week

DIRECT ENERGY CENTRE, EXHIBITION PLACE North America’s largest home and garden extravaganza is back to ring in spring! Two world-class events are wrapped into one: the National Home Show brings back favourites like Destination Renovation, the 2015 Dream Home and the 2015 Idea Stage. While you’re there, check out 50,000 sq. ft. of feature gardens at Canada Blooms. nationalhomeshow.com

DAVID PECAULT SQUARE, 221 KING ST. W. Fashion designers and fashion lovers strut to this annual springtime event to see the latest runway trends from the biggest names in Canadian and international fashion. Check out the shows, attend the parties, see and be seen! Visit online for a full schedule and additional information. worldmastercardfashionweek.com

Until April 26

Until May 9

ROYAL ONTARIO MUSEUM & THE MUSEUM OF CONTEMPORARY CANADIAN ART Contemporary Canadian artist Douglas Coupland explores the 21-st Century condition, Canadian cultural identity, the power of language and modern technology through diverse media ranging from Lego to found materials, painting to installation. rom.on.ca

ST. LAWRENCE MARKET See Toronto through the eyes of three generations, now on display at The Market Gallery, located on the second floor of St. Lawrence Market.

The collection features close to 80 black and white photographs shot by photographers and long-time friends Harry Joy, Doug Hemmy and Andy Brooks, known for featuring Toronto as a subject of their art.

Admission is free.

416.392.7604

Douglas Coupland: everywhere is anywhere is anything is everything

16 NEW CONDO GUIDE MARCH 14 - 28, 2015

Toronto Observed Through Three Generations

Go on vacation every time you come home That’s what owning Monarch on the waterfront is like.

Monarch offers three landmark condominiums on the sought-after Humber Bay Shores waterfront. Impressive lobbies. Water views. Concierge services. Luxury amenities.

Lounges and rooftop terraces. Nearby bars and restaurants. For resort lifestyle, Monarch has the waterfront covered. Choose Monarch first.

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Weekends & Holidays: 12pm-5pm.Closed Fridays

first. *Prices, specifications and promotions are subject to change without notice. Rendering is artists’ concept and image is for mood and impression only. E.&O.E.

first date.

Remember when it all started? First love. First memories. First accomplishments. And your first home. For almost a century Monarch has been central to so many important moments in people’s lives. So if you’re looking for a condominium, trust the oldest, strongest, most respected name in Canadian home building.

Choose Monarch. First.

Our Sky Suites lift luxury to a new level Queen West voted by Vogue as the 2nd coolest neighbourhood!

White volumes seemingly hover in mid air. Trees climb up the face of the building, like a forest reaching up the slopes of a mountain.

And the amenities redefine luxe living. Picasso on Richmond is one of Toronto’s most striking architectural statements. It’s under construction now, rising over the heart of Queen West with views of Queen and Peter and the Entertainment District. Picasso on Richmond is very much a part of the celebrated Queen West experience, and is in the heart of the Toronto international Film Festival every year. You can even own a three bedroom suite from the $600’s! A location like no other, right at John and Richmond and just a 5 minute walk to the subway. Where else in downtown can you find space at this level and this price range? Only Picasso on Richmond. And only for now.

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MonarchGroup.net Limited time offer, some conditions apply. Please ask a sales representative for details. Prices, specifications and promotions are subject to change without notice.

Rendering is artists concept and image is for mood and impression only. E.&O.E. 14497

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Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artist’s concept. Specifications are subject to change without notice. E.&.O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited.

MARCH 14 - 28, 2015 NEW CONDO GUIDE 17

MORTGAGE ADVICE

The overnight lending rate stays put, for now...

By Alyssa Richard

T

he Bank of Canada recently announced it would leave its overnight lending rate at 0.75 per cent – for six more weeks, anyway. The rate has sat at this position only since Jan. 21, when the central bank made an unexpected rate cut, after holding it at one per cent for nearly 4.5 years.

The drop of 0.25 percentage points in January came as a surprise, as most economists had been predicting the opposite would occur some time in 2015. It was the Bank’s way of attempting to shield highly indebted Canadians from the negative impacts in the energy sector, caused by the sharp drop in oil prices in the latter half of 2014. But it was also a signal for banks to drop their Prime rates, to stimulate the economy as a whole.

The banks expressed concern that dropping their rates would cause Canadians to take on more debt they couldn’t afford to repay, versus help those who were feeling the pinch, so initially they chose not to budge. Eventually, they all dropped their Prime rates by 0.15 per cent, from three per cent to 2.85 per cent, but none have made a full 0.25-percent cut, as suggested by the central bank’s move.

According to our mortgage calculator, the additional 0.10 per cent that’s missing could lower our best five-year variable rate from two per cent to 1.9 per cent, which would result in a savings of $18/month or $1,080 over five years on a $400,000 home (the average price in Canada), with 10 per cent down and a 25-year mortgage. That may not sound like much, but it hurts to think about, when you know the banks have control and are choosing not to make a move.

18 NEW CONDO GUIDE MARCH 14 - 28, 2015

All of this is to say that some people predicted the Bank of Canada would further cut the overnight lending rate at its latest announcement, potentially by an additional 0.25 per cent. However, Governor Stephen Poloz noted that data from 2014 suggests we’ll see stronger growth in non-energy exports and investments in 2015, and the central bank wants to wait and see how the economy responds to the first rate cut of the year, before making any further moves.

So, the overnight lending rate – and therefore Prime rates and your variable mortgage rates – are going to stay put. For now. But if the economy declines, we may see another cut. And if things continue to get better, we may see it go back up to one per cent – or more.

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.

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MARCH 14 - 28, 2015 NEW CONDO GUIDE 19

COVER STORY

A diamond in Deer Park CAMROST-FELCORP’S BLUE DIAMOND PROPOSES A BRILLIANT GEM IN A FINE SETTING

HIS SECRET IS OUT: DAVID FELDMAN, PRESIDENT and CEO of Camrost-Felcorp, is a huge fan of Deer Park.

“Bordering Forest Hill, Moore Park and Casa Loma, it’s nestled among some of Toronto’s best communities, and is surrounded by abundant green spaces, ravines and nature trails,” says Feldman. “As a long-time resident of this part of the city, I know how coveted the neighbourhood is by empty nesters and young families alike.

“There’s something for everyone,” Feldman adds.

“For young families, it’s the list of desirable local schools, including the highly respected Deer Park Elementary, Upper Canada College, Brown Public School, De La Salle College, The York School and The Bishop Strachan School; while an older, more established Deer Park resident finds themselves taken with the chic lifestyle options of nearby Yorkville, or the easy conveniences created by the quaint Forest Hill Village. Everyone can agree, the recent transition of St. Clair West has made it a magnet for cool new restaurants and shops, not to mention the soon-to-be-announced retail that will be built at 111 St. Clair.

20 NEW CONDO GUIDE MARCH 14 - 28, 2015

Given Feldman’s love of the area, it’s no wonder that two of his company’s most successful condominium developments – The Avenue and Imperial Plaza – are located in the heart of Forest Hill, and it’s therefore no surprise that Camrost-Felcorp’s next condominium is located there.

Known as Blue Diamond, the condominium’s location at the peak of the Avenue Road hill presents residents with unparalleled views of the city – north and south – year round. Due to the elevation, even suites on the lower floors here will have vistas similar to the upper floors of downtown condos.

“After being in the real estate business for over 40 years, we know what people want,” says Feldman.

“Everyone wants a suite with a view, and so we turned to our architect to design a building that would have interest at street level, while taking advantage of the site’s natural elevation.”

Camrost-Felcorp turned to internationally renowned Diamond Schmitt Architects Inc. (DSAI), to design Blue Diamond.

Built on the site of the former Deer Park United Church, Camrost-Felcorp and DSAI have managed to preserve and restore the façade of the 1913 heritage building, while transforming the interior into an inviting open courtyard.

With a sculpture garden and seating areas at grade, a stunning 26-storey glass, stone and precast tower will rise majestically from behind the church.

Starting at $299,900, Blue Diamond boasts a range of suite layouts (from one-bedroom designs to spacious two-bedroom-plus-dens), and a range of sizes (from 485 to 1,865 sq. ft.).

Suite designs include kitchens featuring sleek European-style custom cabinetry and elegant stone counters with a stainless steel single or double sink and single-lever pullout faucets. High-end appliances, including an integrated dishwasher and refrigerator with a bottom-mount freezer, smooth-top electric cooktop and a built-in under-counter electric oven complete with a stainless steel hood fan are also standard.

Rich with amenities, Blue Diamond residents will have exclusive access to the 20,000-sq.-ft. Imperial Club at Imperial Plaza. The Club features an indoor pool and whirlpool, squash courts, a yoga/Pilates studio and private training room, screening rooms and media lounge, and two guest suites for overnight visitors.

Currently in the pre-registration phase, the list of those wanting their piece of this rare gem is growing.

For your piece of the Blue Diamond, go to bluediamondcondos.ca, or call 416.925.2501.

JANUARY MARCH 14 17--28, 31, 2015 NEW CONDO GUIDE 21

CMHC REPORT

Coldest month on record puts drag on housing starts

H

22 NEW CONDO GUIDE MARCH 14 - 28, 2015

TORON TO CM A HOUSING STA RTS 80 70 60 Thousands of Starts

ousing starts in the Toronto Census Metropolitan Area (CMA) trended slightly lower at 25,044 units in February compared to 25,268 in January, according to Canada Mortgage and Housing Corp.

(CMHC). The trend is a six month moving average of the monthly seasonally adjusted annual rates (SAAR) of housing starts.

“February was the coldest month on record for the GTA and frigid temperatures have pushed back some large condominium projects from getting off the ground,” says Dana Senagama, CMHC’s principal of market analysis for the GTA. “However, more highrise starts are expected this year due to an increase in pre-construction condominium apartment sales since mid-2013.”

CMHC uses the trend measure as a complement to the monthly SAAR of housing starts to account for considerable swings in monthly estimates and obtain a more complete picture of the state of the housing market. In some situations, analysing only SAAR data can be misleading in some markets, as they are largely driven by the multiples segment of the markets which can be quite variable from one month to the next.

The stand-alone monthly SAAR was 22,498 units in February, down from 37,015 units in January.

The decrease was the result of a significant drop in apartment starts this month.

50 40 30

25.0

20

22.5

10 0 February 2013

February 2014

February 2015

Housing Starts, SAAR Housing Starts Trend Line (6-month moving average)

PR E LIMINA RY HOUSING STA RTS DATA FEBRUA RY 2015 Toronto CMA1 Trend2 SAAR

January 2015

February 2015

25,268 37,015 February 2014

25,044 22,498 February 2015

Actual February — Single-detached

343

358

February — Multiples

2,658

1,299

February — Total

3,001

1,657

966

798

4,917

3,833

5,883

4,631

January to February — Single-detached January to February — Multiples January to February — Total

Source: CMHC 1 Census Metropolitan Area 2 The trend is a six-month moving average of the monthly seasonally adjusted annual rates (SAAR).

Across the GTA, the city of Toronto recorded the highest number of starts in February, made up of mostly condominium apartments. The next highest level of starts was recorded in Brampton, which saw the largest number of ground-oriented units begin construction. This was followed by Aurora, which saw a boost in single-detached and row starts.

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23

IN THE NEWS

CHBA recognizes housing industry’s best

T

Calgary’s Albi Homes took the prestigious Grand SAM Award

Etobicoke’s the Kip District by Concert Real Estate Corp. took the prize for best website, with creative, concept and production by 52 Pick-up Inc.

24 NEW CONDO GUIDE MARCH 14 - 28, 2015

he achievements of Canada’s leading home builders, renovators and developers were recognized at the Canadian Home Builders’ Association’s (CHBA) National SAM Awards – a highlight of the CHBA’s 72nd National Conference held in Halifax recently.

“Each of these CHBA National SAM Award winners is outstanding,” said CHBA president Bard Golightly. “I congratulate all the winners and commend their tremendous accomplishments.”

The CHBA National SAM Awards honour outstanding achievement by home builders, renovators and developers, and by their marketing teams.

Albi Homes of Calgary, Alberta won the prestigious Grand SAM Award. The firm had won the Grand SAM in 2012. This prestigious award is presented annually to a CHBA builder member for combined excellence in both the building and marketing of new homes. Albi Homes was a finalist in seven separate categories in new homes and marketing.

Seven Lakes Developments Ltd. of Porters Lake, Nova Scotia won the Marketing Excellence Award with creative concept and production by McOuat Partnership. The award recognizes the builder-member achieving the highest cumulative results in at least four Marketing Award categories.

The firm also won individual Marketing Awards in the Sales Office and Project Signage and Logo categories.

Locally, Etobicoke’s the Kip District by Concert Real Estate Corp. took the prize for best website, with creative, concept and production by 52 Pick-up Inc. The CHBA National SAM Awards, presented in partnership with Masco/Delta Faucet and Genworth Canada is the country’s premier competition for new homes, home renovations, community development, marketing and sales. An independent panel of judges selected from across Canada presided over the competition.

The CHBA is the national voice of the residential construction industry, representing more than 8,500 member firms across the country. Membership comprises home builders, renovators, developers, trade contractors, building material manufacturers and suppliers, lenders and other professionals in the housing sector.

Congratulations to all the winners!

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STAT CHAT

Chances of housing market correction in Canada less than 5%

By Ben Myers

T

wice a year I produce a report called The Market Manuscript – a robust document that reviews the state of the new housing market in Canada, and several metro markets in which my firm is active.

The report is produced for consumption by our development partners and individuals invested in Fortress projects, but I hope the general public takes a look as well. I include data from as many independent sources as possible, and include key findings from Canada’s top economists. The report is free to download on our website.

I wanted to add some additional flavour to the first report this year by surveying the opinion of Canada’s top housing analysts on some of the hotbutton issues influencing residential real estate. With that in mind, I conducted a survey of the top 40 housing analysts in this country, via an online survey.

With several reports suggesting Canadian housing is anywhere from 10 per cent to 63 per cent overvalued, I asked the analysts this question: What is the probability of the average Canadian house price falling 20 per cent from 2014 levels over the next five years?

Fifty-six per cent of respondents felt the chance of a major housing price correction in Canada between now and 2020 was between one and 4.9 per cent, while six per cent of respondents felt it was less than one per cent.

None of the respondents felt the probability was greater than 20 per cent.

I did not track the individual responses, hoping the analysts would be as candid as possible.

You never know when the next global economic event will occur and influence house prices in our country, but it is reassuring to know that the people who track housing market activity for a living, think the chance of a housing correction is very small.

The Market Manuscript includes forecasts for Toronto new condominium sales activity in 2015 as well, with the folks that cover the highrise market expecting another solid year. I posed a question to the top analysts that relates to the Toronto condo market, asking what they thought would happen with foreign investors if housing values began to decline domestically. None of the respondents felt that foreign owners treat their international real estate as a commodity and will sell when the prices are down, while the majority felt that foreign owners are long-term hold-and-rent investors and are not influenced by short-term price fluctuations.

28 NEW CONDO GUIDE MARCH 14 - 28, 2015

I was pleasantly surprised that many of the responses given by the analysts aligned with my own, and I hope they give readers of this article more confidence in making that first condominium purchase. I suggest reading as many expert opinions on the housing market as you can if you’re still on the fence about purchasing (may I shamefully plug my Market Manuscript as a great place to start). Happy condo hunting.

Ben Myers is senior vicepresident of Market Research and Analytics at Fortress Real Developments. Ben assists in evaluating the market and projects that Fortress engages in.

Follow his blog posts and commentary on the Canadian housing market at fortressrealdevelopments.com/ news or follow him on twitter at @BenMyers29

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30

31

CONDO PRO

Condo living is “right” for just about everyone

By Barbara Lawlor

R

ecently, I was looking at the Canada Mortgage and Housing Corp. website, where users can download the “Condominium Buyer’s Guide,” which contains a section called, “Is condominium ownership right for me?” It occurred to me that nowadays, condominium living is “right” for just about everyone. The surge in condo sales across the Greater Toronto Area over the past decade, and the widening demographic of buyers are evidence of the popularity of this lifestyle. People of all ages are seeking homes that offer ease of living to help them find some sort of life balance with their frantic work and school schedules. Simply put, in a condominium, residents have more time for leisure activities, because maintenance on the exterior and common areas is all taken care of.

Of course, price is a factor, now that the average price of a lowrise home in the GTA has exceeded $700,000. Entering the market is financially challenging for first-time buyers, and for many of them, a compact condo suite is an affordable “starter” home. Growing families have the expenses that come along with raising children, so an attainable price point is appealing. Raising children in urban areas is a familiar concept with people who immigrate here from Europe, the Orient and other countries. Toronto, and in fact the entire GTA, have good school systems, and every municipality is dotted with natural areas such as lush parks. Even in the heart of Toronto, you can walk your dog and take the kids to the park to play.

Empty-nesters and seniors are finding it challenging to live on their pensions and/or savings, so economically, a condominium makes sense for them as well. Most condominium suites are single-level designs, which is great as our joints become a bit stiffer with age and mobility issues arise.

Going to the pool for a swim, heading to the fitness centre for an aerobics class, or meeting friends for a game of bridge in the lounge can be just an elevator ride away. Hosting family events such as birthday parties, baby or wedding showers and the like is a breeze when there’s a party room right in the building.

Busy professionals appreciate condominiums’ locations close to transportation nodes, and all buyers like being able to access amenities under their roof. Single women and families feel safer in a condo, where they have security measures in place and a concierge at the main entrance providing eyes on the street.

Roommates are pooling their resources and buying condos to start earning equity. I know of parents who are buying condo suites for their grown children to live in while attending university, then selling them after a few years. Some buyers select a two-bedroom suite and rent out the second bedroom, and there are also those who buy strictly as an investment. With the population of the GTA growing by leaps and bounds, condominiums will be in demand for years to come.

32 NEW CONDO GUIDE MARCH 14 - 28, 2015

In anticipation of and in response to these evolving demographic needs, our superb developers have been expanding on the wonderful amenities included in condominium residences. In essence, these buildings are vertical communities where people get to know each other by meeting in the hallways, elevators and amenity spaces. From welcoming lobbies that become your second living room, to glorious terraces with barbecues, lounge seating and any number of other fabulous features, today’s condos are every bit a “home” as detached houses.

You never really know where life will take you, but whether you are 18, 30, 50 or older, I think there’s a good chance that at some point, you will opt for condo living.

Barbara Lawlor is president and CEO of Baker Real Estate Inc., and an in-demand columnist and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sale of condominium developments in the GTA and overseas.

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MARCH 14 - 28, 2015 NEW CONDO GUIDE 33

INVESTOR ADVICE

5 things every investor should know about occupancy fees

By Andrew La Fleur

A

re you afraid of the dreaded “phantom mortgage?” Phantom mortgage is another name for occupancy fees, which are payable from the date that you take occupancy of your condo unit until final registration of the building when your mortgage kicks in. You pay for the right to occupy your unit but you don’t have a mortgage yet. There is a lot of misinformation out there about occupancy fees. Before you decide that occupancy fees are something to fear as a condo investor, here are five things to know: 1. Occupancy fees are unavoidable (with one exception...)

Occupancy fees will have to be paid to the developer every time you purchase a new condo. There is no way around it, except if you pay the full balance owing to the developer on your occupancy date. Since you can’t get a mortgage on an unregistered building, the only way to do this is with cash or other non-registered loan. If you want to do this, make sure you get a clause in your agreement to allow for full payment of balance owning on occupancy.

remaining balance owing on your unit (interest rate is prescribed and based on Bank of Canada rates), plus property taxes, plus maintenance fees.

Ultimately, if you are an investor and you intend to rent out your property, your occupancy fees will be paid for by your tenant – just be sure you have the developer’s permission to lease your unit during the occupancy period. Until next time, happy investing!

2. Occupancy fees are lower if you are higher What I mean by this is, the higher up your unit is in the building, the shorter the occupancy period will be because buildings are constructed and finished from the ground up. So, if you buy a unit on the second floor, you can expect a long occupancy period compared to someone who bought the penthouse.

Consider that when choosing a floor to buy into pre-construction. Occupancy periods are typically three to six months.

3. Better developers mean shorter occupancy periods Often but not always, there is a relationship between the length of the occupancy period and the experience level of the developer. The more experienced the developer, the shorter the occupancy period. Buying from a developer with a bad reputation or little experience can sometimes result in delays – and an extended occupancy period.

4. A short occupancy period is best for you and the developer This is the most important thing to remember. Developers want to register the building as quickly as possible and to have the occupancy period as short as possible because they don’t get their money from the banks until the building is registered and all the unit owners have their mortgages commence.

5. Occupancy fees are prescribed Rest assured that developers can’t simply pull an amount out of the air to charge you for occupancy fees. In fact, they are simply this: interest payable on the 34 NEW CONDO GUIDE MARCH 14 - 28, 2015

Andrew la Fleur is an awardwinning realtor with Re/Max. Andrew’s expertise is in helping investors make money in the Toronto Condo Market.

Visit TrueCondos.com/ NewCondoGuide for a free gift.

Contact Andrew at 416.371.2333 or andrew@truecondos.com

FINAL 2 WEEKS HELD OVER LIMITED TIME ONLY!

Buy at Liberty’s Legacy Park and receive 8% interest on your deposit!* Live in Thornhill’s most connected community at Bathurst & Centre Street.

URBAN CONDOS FROM THE $300s BATHURST & CENTRE STREET

CENTRE ST.

LegacyParkCondos.com 905-731-8302

YONGE ST.

*Vendor will pay simple interest at a rate of 8% per annum, and such interest amount shall be calculated from the date the full 15% deposit is received until: (i) 12 months from such 15% deposit satisfaction and (ii) occupancy of the unit, whichever is earlier, which amount shall be credited on successful closing. Subject to change. Restrictions apply.

See Sales Representative for details. E. and O.E.

407 BEVERLEY GLEN BLVD.

BATHURST ST.

SALES CENTRE ON BEVERLEY GLEN JUST WEST OF BATHURST

TTC/VIVA

STEELES AVE W.

MARCH 14 - 28, 2015 NEW CONDO GUIDE 35

FINAL 2 WEEKS HELD OVER

36 NEW CONDO GUIDE MARCH 14 - 28, 2015

HIGHWAY 407

STEELES AVE.

HIGHWAY 404

HIGHWAY 7

HIGHWAY 400

WESTON RD.

*Vendor will pay simple interest at a rate of 8% per annum, and such interest amount shall be calculated from the date the full 15% deposit is received until: (i) 12 months from such 15% deposit satisfaction and (ii) occupancy of the unit, whichever is earlier, which amount shall be credited on successful closing. Subject to change. Restrictions apply. See Sales Representative for details. E. and O.E.

HIGHWAY 427

LIMITED TIME ONLY!

IMMEDIATE OCCUPANCY

ONLY

5% DOWN PAYMENT

RICHMOND HILL

DANFORTH AVE.

$284,000 LIVE FROM

$302,900 LIVE FROM

$253,000 LIVE FROM

READY!

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READY!

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RD .

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7163 Yonge St., Unit #124

370 Hwy. 7 East, Unit #113

3520 Danforth Ave.

WorldOnYonge.ca | 905-771-7010

RoyalGardensCondos.ca | 905-889-9997

TerraceOnDanforth.ca | 416-987-7575 .

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*As per price list. Limited time offer. Offer based on a select number of units. Price, information and program subject AVE.to ORTH DANFcations and change without notice. For qualified buyers on approved credit. All renderings are artist’s concept. Prices, specifi availability subject to change without notice. E&O.E. Brokers protected. See Sales Representative for details.

MARCH 14 - 28, 2015 NEW CONDO GUIDE 37

CONDO SENSE

The real micro condo experience

By Kara Kuryllowicz

M

icro-condos are becoming a reality in Canada’s major urban centres and while some might question the livability of spaces that start at 300 sq. ft., I know you can love living in these tiny homes, because I’ve done it.

I myself lived in a 150-sq.-ft., justrenovated studio in the Latin Quarter in downtown Paris a decade ago, long before “micro condo” was a true term. Tucked into a centuries-old, three-story structure built around a cobblestone courtyard and hidden behind a protective façade that ensured both serenity and safety, my brand-new-to-me studio was minutes by foot from every imaginable amenity as well as several Metro stations.

I could walk virtually everywhere and anywhere, which helped me saunter off the wine, chocolate and croissants but more importantly, it helped me get to know one of the world’s most extraordinary cities at street level. Outdoor markets, bistros, museums, boulangeries, mosques, department stores, gardens, hammams, and the Seine were all footsteps away.

Today’s worldwide reality is that if you want quick, easy access to everything that represents the best of any urban centre, chances are continued on pg. 40 38 NEW CONDO GUIDE MARCH 14 - 28, 2015

LIVE THE UPPER BEACH.

MAIN ST

GERRARD AVE

KINGSTON RD SOUTHWOOD DR

WOODBINE AVE

COXWELL AVE

DANFORTH AVE

NOW OPEN

QUEEN ST E

LAKE ONTARIO

Introducing The Southwood, a six-storey building that subtly interweaves modern grey brick and dark bronze features, complementing the natural beauty of The Upper Beach. Located at 663 Kingston Road and Southwood Drive, this east-end haven offers spacious suites, contemporary outdoor spaces and beautiful treetop views. Dedicated to rethinking urban living, the sleek exterior design is just one more reason to come home.

three bedroom suites from the $600s.

One Bedrooms from the $300s.

VICTORIA PARK AVE

10 MINUTES TO DOWNTOWN

VISIT THE PRESENTATION CENTRE 663 Kingston Road 416.750.7506 Monday-Thursday: 1pm – 7pm Saturday & Sunday: 11am – 4pm Friday: Closed

TheSouthwood.com

Rendering is artist’s concept. Prices and specifications are subject to change without notice. Exclusive Listing. Brokers Protected. E.&O.E.

IN PARTNERSHIP WITH DREAM

CONDO SENSE continued

My small space forced tidiness and put the kibosh on the random acquisition of unnecessary odds and ends which freed up both time and money

you’re going to pay downtown or upand-coming neighbourhood prices.

Unless you’re fabulously wealthy, that also means you’ll happily sacrifice square footage to put convenience, accessibility and a city’s cultural smorgasbord at your toe tips.

My studio on Rue de la Clef may have been tiny, but it was truly perfect. When interior designers and developers are challenged to cram everything into such a small space, their creativity has to coordinate between functional layouts to the selection of multipurpose appliances, furniture and accessories.

Be flexible, be adaptable and you can successfully entertain in your small home. Twenty years my junior, my neighbour Zuzannah from Budapest and I hosted a romantic soiree for four, serving the appetizers at my place, taking two steps across my threshold to her mirror-image unit for the main course and back to mine for dessert.

Solo, I even welcomed six new friends (France, Sweden, the U.S., Yugoslavia, Spain) for a multi-course 40 NEW CONDO GUIDE MARCH 14 - 28, 2015

and incredibly cosy, but still memorable dinner without ever leaving my own studio.

If you’re considering one of the new micro-condos coming on-stream in Toronto, know that the city outside your front door may matter more than the square footage that lies behind it.

My small space forced tidiness and put the kibosh on the random acquisition of unnecessary odds and ends which freed up both time and money. As importantly, it ensured I rarely gave in to my hermit tendencies and pushed me out the door and into everything that the City of Light had to offer day to day.

Was there a downside? My heart says “No!” but my head remembers “Yes!” My splendid studio didn’t feel quite as spacious or the lofty ceiling seem quite as high once I’d deployed precise foot placement to climb the narrow ladder to my double bed. Its original, exposed wooden beams became a little less charming each time I whacked my skull wriggling under the duvet or sat up in a panic after a dead-of-night visit from the hostile spirit resident. Soaping an ankle guaranteed my rear end would pop out of the steamy shower stall into the cool winter air and the novelty of resting my head in the sink while on the commode soon paled.

Would I choose to live small today? Absolutely!

Small studios in superb cities like Toronto can deliver adventure, freedom and inspire a curiosity and sense of adventure that can lead to a brand new world of wonder.

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Renderings are an artist’s impression. Specifications are subject to change without notice. E.&O.E.

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42 NEW CONDO GUIDE MARCH 14 - 28, 2015

CONDOMAZING! MINTO CONDO STORE

Visit the brand new Minto Condo Store where we will be selling three of our fabulous Minto condominiums! Don’t miss out on fantastic incentives we are offering for Minto30Roe, Minto 88 and Minto WaterGarden!

Centrally located on Yonge, these communities offer the finest in elegant condo living and a wealth of amenities at your doorstep.

1. Minto WaterGarden Boutique luxury living on Yonge in the heart of Thornhill. 1 & 2 Bedroom Condos from $368,700* including parking*. Move in Today!

2. Minto 88 Stunning urban Condos and Towns at the sought-after location of Yonge & Sheppard from $329,880*. Move in Fall 2015!

3. Minto30Roe Sophisticated Condo living in the heart of

Yonge & Eglinton. Suites from the mid $396,900*. Move in 2016!

Hours: Mon - Wed: 12 - 7pm Sat & Sun: 12 - 5pm Thursday & Friday: Closed 90 Sheppard Ave. E. Suite 500 416.915.3800 mintocondostore.com

*Prices and specifications are subject to change without notice. Conditions apply, see Sales Representative for details. Renderings are artists’ concept. E.&O.E.

IN THE NEWS

Canada’s housing affordability takes a hit. Thanks T.O.

By Lydia McNutt

C

anada housing affordability has taken a hit thanks to Toronto’s rising real estate prices, according to the latest Housing Trends and Affordability Report issued by RBC Economics Research. While most provinces showed an improvement in affordability, Toronto’s numbers have skewed the country’s average.

For the second straight quarter, the national housing affordability measure edged higher by 0.1 percentage points to 42.7 per cent for bungalows and 0.2 percentage points to 48.1 per cent for two-storey homes, while condos sat steady at 27.4 per cent.

The RBC housing affordability measure captures the amount of pre-tax household income required to own a home at current market value. An affordability measure of 50 per cent means home ownership costs eat up 50 per cent of a typical household’s pre-tax income. The higher the number, the worse the affordability. Here’s how Canada fared from west to east:

conditions, but that’s not to say buyers are banging down doors, as the housing affordability was overshadowed by the oil slump.

The dip in oil prices has spilled into Saskatchewan, where affordability improved for a fifth consecutive quarter with RBC’s measures down by 0.6 percentage points for both bungalows and two-storey homes, coming in at 33.7 and 38.0 per cent, respectively. The measure for condos rose by 0.6 percentage points to 24.9 per cent.

Meanwhile in Manitoba, a drop in demand and a rise in inventory are creating a softer pricing environment, says Wright. “The province is contending with a substantial increase in supply of homes for sale, the effect of which was exacerbated in Q4 when home resales dropped by five per cent.”

British Columbia While BC saw a small improvement in affordability in Q4, “affordability in the province remains the poorest in the country because of the persistence of extremely unaffordable conditions in segments of the Vancouver market,” says Craig Wright, senior vice-president and chief economist, RBC. Vancouver’s measure fell to 82.4 per cent in the bungalow segment, rose to 39.9 per cent for condos, and stayed unchanged at a whopping 85.6 per cent for twostorey homes.

Quebec Quebec saw great improvement in housing affordability, with the RBC measurement falling by 0.6 percentage points for two-storey homes to 41.3 per cent, and by 0.4 percentage points for both bungalows and condos, to 33.1 per cent and 25.6 per cent, respectively. “Our measures for Montreal during the final months of 2014 were the most improved versus year-ago levels among Canada’s biggest metropolitan markets,” says Wright. “This is largely thanks to weakness in prices, especially during the first half of last year.”

The Prairies Alberta saw stability for both two-storey homes (33.9 per cent) and condos (20.4), while the measure for detached bungalows eased to 32.4 per cent. Calgary shifted to a buyer’s market after nearly three years of favourable seller’s

44 NEW CONDO GUIDE MARCH 14 - 28, 2015

Ontario Bucking the national trend, Toronto continued its upward trajectory with affordability down across all housing types: 51.5 per cent for two-storey homes, 45.3 per cent for bungalows and 29.2 per cent for condos. But that isn’t stopping buyers, who continue to compete for singlefamily homes in Toronto’s hot market.

Atlantic Canada Atlantic Canada remained Canada’s most affordable housing market. The measure for two-storey homes and bungalows eased by 0.5 and 0.1 percentage points, to 34.6 per cent and 30.1 per cent, respectively, while condos edged up slightly by 0.1 percentage points to 25.1 per cent.

LIVE AT STUDIO BE DOWNTOWN SUITES FROM THE

300’S

$

5%

DOWN

UNDER CONSTRUCTION SUMMER 2015 CLOSINGS

UNDER CONSTRUCTION EARLY 2015 CLOSINGS

PLUS

ONE YEAR FREE

MAINTENANCE FEES OFFER VALID ON ALL REMAINING SUITES.

Nelson St.

University Ave.

Simcoe St.

Duncan St.

Spadina St.

Richmond St.

PRESENTATION CENTRE

Adelaide St.

Presentation Centre: 25 Nelson Street, Toronto Mon. – Thurs.: 12pm – 6pm, Fridays: Closed Sat., Sun. & Holidays: 12pm – 6pm

Brokers Protected, Limited Time offer. See Sales Rep for full details. Prices, Specifications and programs are subject to change without notice. Illustrations are artists concept. E & O.E. *Provided the purchaser completes the transaction on the contemplated unit transfer date the purchaser shall receive a credit on the statement of adjustment in the amount equal to 12 monthly common expense fees relating to the unit and any parking or storage applicable. Deposit 5% down and 5% due on occupancy.

studiocondos.ca • 647.352.7736

CONDO SENSE

Elevator Etiquette: THE 10 COMMANDMENTS

By Jane Herman

T

here’s a certain amount of common sense when it comes to elevator etiquette. If you live in a highrise, the elevator is the main way in and out of your home; a confined space in which you briefly encounter your neighbours several times daily. The natural instinct is to be absorbed in your own headspace, preoccupied with where you’re headed, and keeping strangers at a distance. And yet, the other elevator occupants, unfamiliar as they may be, deserve a modicum of courtesy. Unfortunately, most people have forgotten their elevator etiquette.

10 RULES OF ELEVATOR ETIQUETTE: 1. Out first, then in. It only makes sense. Allow passengers to exit before attempting to board the elevator.

2. Take the stairs if you are only going one or two floors, except if the elevator is empty or you have a cart, stroller, large packages or are disabled.

3. Hold the door for others who are running to catch the elevator – especially your neighbours coming from down the hall. A plague on anyone who watches the door slide shut in someone’s face!

4. If you’re sick, wait for an empty elevator. If that is impossible, don’t cough and sneeze for the duration of the ride. And if that is impossible, never put your germinfested hands on the floor buttons.

5. If you are first on the elevator or closest to the control panel, ask other riders what floor they would like. On the other hand, it’s somewhat rude to call out your floor to the person standing nearest the buttons as if that person is the elevator operator.

6. When other passengers board, move a little to give everyone some personal space.

7. Avoid carrying out interpersonal conversations, be they face-to-face or – particularly – talking on your cellphone. The elevator is not a phone booth.

8. Likewise, if you’re listening to your iPod, turn down the volume so you don’t disturb other riders.

46 NEW CONDO GUIDE MARCH 14 - 28, 2015

9. If you’re carrying a backpack, make sure it doesn’t land in someone’s face when you turn around.

10. Never drop litter or deface the walls of the elevator. Vandalism hurts everyone.

Riding in an elevator can bring out the best – or worst – in people. Think of the elevator as an extension of the building’s lobby, and of other riders as your guests. Remember, a little elevator etiquette goes a long way.

Now, enjoy the ride!

Jane Herman is a communications consultant who provides communications solutions for a diverse range of clients and has written about food, fashion, apartment living and personal finance for several publications.

MARCH 14 - 28, 2015 NEW CONDO GUIDE 47

LEGALLY SPEAKING

Not every lawyer is a real estate lawyer

By Jayson Schwarz

N

ot all lawyers are created equal. If you needed a heart surgeon, you certainly would not go to see a podiatrist. By the same token, lawyers generally have expertise in one area greater than another.

Do not believe that the granting of a law degree instantly bestows knowledge of all laws on the head of a lawyer.

The first thing you need to do to find a lawyer is the same thing you ought to be doing to find a home – research! Where do you look? Start with media and look in magazines (editor’s note – you already have your issue of New Condo Guide, so you’re off to a good start!), newspapers, listen to radio, watch real estate television.

Generally speaking, the lawyers who appear in public, speaking or writing about real estate, are thought to be experts in the area. Go to seminars and listen to the speakers. Generally, if a lawyer is taking the time to participate in a seminar, he/she knows what he/she is talking about and is happy to take on new clients that come out of those seminars.

Next, go online and check out the websites of different real estate lawyers. Look to see whether they give good, informative advice; whether they give you pricing; and whether they make you feel comfortable.

Call the Law Society of Upper Canada, Lawyer Referral Service. This service keeps lists of lawyers and refers requesting members of the public to lawyers who practice in the area requested. This just gets you someone in the area. You really need to check them out when referred.

Speak to friends who have used a lawyer for the type of service you require and ensure they did the job professionally, courteously and for the price quoted.

Who is making the referral? Is the referral coming from a real estate agent, a mortgage broker or a bank? This is not necessarily bad, but you have to be careful. Quite often, lawyers develop relationships with various groups over the years and receive referrals because they do a great job. On the other hand, ensure that your lawyer is independent and will represent your interests even if it puts him/her into an adversarial position with one of those parties. This is quite important, so make sure you are comfortable with this issue before you hire someone.

Now to bring this back to the original idea, what you need to understand is that there are general law 48 NEW CONDO GUIDE MARCH 14 - 28, 2015

practitioners just like there are family doctors. What this means is that a lawyer may have a wide-ranging practice composed of many areas.

The smart lawyer who falls into this category knows that if there is a serious issue that arises outside of their expertise they should bring in a specialist, just like your family doctor would. The bad lawyers try to do it all. The general practitioner can probably handle your real estate deal just fine, but make sure he/ she understands any complicated offers and that he/she reviews them carefully, pointing out any problems.

Ensure that he/she knows what can be negotiated and what cannot, or you may lose your deal.

Remember, your lawyer is a very important part of the process, so take your time to find the right one.

Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit schwarzlaw.ca or email info@schwarzlaw.ca and give us your questions, concerns, critiques and quandaries.

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MOVE MOVE MOVE IN INTHIS IN THIS THIS YEAR! YEAR! YEAR! When When When you youyou add addadd up upthe up theoutstanding the outstanding outstanding amenities, amenities, amenities, the thenearby the nearby nearby shops shops shops and andandDo DoDo the thethe math math math &&call call & call restaurants restaurants restaurants ininBloor Bloor in Bloor West West West Village, Village, Village, 399 399399 acres acres acres ofofToronto’s of Toronto’s Toronto’s premier premier premier park park park and andand fantastic fantastic fantastic incentives incentives incentives – –they they – they equal equal equal your your your dream dream dream home home home inin in Toronto’s Toronto’s Toronto’s most most most desirable desirable desirable neighbourhood. neighbourhood. neighbourhood.

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Discover how it can all add up to you at HighPark Condominiums.

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*The 5% deposit program, free parking and locker, as well as cash incentives ($20,000 cash back on studio and one bedroom suites; $25,000 on one bedroom + den or larger suites) are available on selected suites for a limited time only. Other conditions apply. See Sales Representative for full details. Exclusive listing: City Life Realty Ltd., Brokerage. Brokers Protected. Prices and specifications are subject to change without notice. Illustrations are artist’s concepts. E. & O.E.

Anchored by a landscaped courtyard on Bloor, HighPark Condominiums will feature a single-storey glass pavilion where over 15,000 square feet of retail space will offer the epitome of convenience. In the lobby, residents will be welcomed home and can access 24-hour concierge service and take advantage of the handy dogwashing station after walks in the park.

Your price also includes exclusive use of some of Toronto’s best amenities. Spread over three levels, The Parkside Club offers 18,000 square feet of space for exercising, energizing and entertaining. From the top down, the tenth floor will encompass a social room with a catering kitchen, as well as an outdoor terrace and indoor/outdoor fireside lounge and sundeck with stunning views of High Park and city lights. The third floor is where you can get your heart pumping in the cardio studio, stretch out in the indoor/outdoor yoga & Pilates studio, dance and mingle in the party room, challenge friends in the billiards room, and sunbathe, grill burgers and dine alfresco on the outdoor lounge in the midst of views of the park and beyond.

On the second floor, work out on the rock-climbing wall and in the weight studio, unwind in the sauna and watch a movie in the home theatre. You can also exercise your green thumb in the outdoor gardening plots where local farmers will provide programs and advice to get you started. With the environment in mind, Daniels has even added a resident bike share program at HighPark Condominiums to encourage riding. Of course, walking is a given, with the shops, markets, bakeries and eateries of Bloor West Village down the street, and Toronto’s largest urban park across the way. Measuring in at nearly 400 acres, High Park offers everything from a zoo to Chinese gardens, Japanese cherry trees, an off-leash dog park, gardening plots, café picnic area, pool, kids playgrounds and hiking trails.

Suite choices range from studios to two-bedroom plus den layouts from 412 to 910 square feet, each with a personal outdoor space and features and finishes such as stainless steel appliances and quartz countertops in the kitchen. Suites begin from $299,900 – great news for first-time buyers who meet the criteria to withdraw up to $25,000 from their personal RRSP to use toward their downpayment. Many also qualify to receive the First-Time Home Buyer’s Tax Credit of up to $750 in tax relief toward closing costs.

= YOUR NEW HOME AT HIGHPARK CONDOMINIUMS

Call or visit us today!

416.351.1844 danielshighpark.com

Time is running out to explore HighPark Condominiums, where Daniels’ incentives add up to incredible value for first-time buyers!

A location across from Toronto’s gorgeous High Park is just one of the many reasons why The Daniels Corporation’s HighPark Condominiums is high on the list of new home shoppers looking for incredible value! Well under construction, this residence is cradled in the established streets of Oakmount Road and Pacific Avenue, steps to the subway and the vibrant Bloor West Village shopping district. Suite prices begin from $299,900, and move-ins will begin this year.

For a limited time only on selected suites, you can purchase at HighPark Condominiums with only 5% down, and receive an incredible cash back incentive up to $25,000 plus FREE parking and locker!*

WELL UNDER CONSTRUCTION! THE ROOF IS ON!

Actual Construction Photo

The Daniels Corporation (danielshomes.ca) is one of Canada’s preeminent builders/developers, building more than 25,000 new homes across the Greater Toronto Area for over 33 years. Daniels was named the Tarion Warranty Corporation’s 2012 Ontario High Rise Builder of the Year and the recipient of the 2012 Toronto Arts and Business Award presented by the Toronto Arts Foundation. Among its many initiatives, Daniels was chosen to partner with Toronto Community Housing to revitalize Regent Park – 69 acres in Toronto’s Downtown East. Committed to community, Daniels offers innovative programs that help people achieve homeownership, champion neighbourhood initiatives that enhance quality of life, and support numerous charities and non-profit organizations.

Everything about HighPark Condominiums adds up to remarkable value. Great incentives + an incredible location + outstanding amenities + quick move ins = fantastic value you won’t want to miss.

Take advantage of this opportunity now, while you still can.

Do the math & call 416.351.1844 or visit danielshighpark.com Suites from

$299,900

PRESENTATION CENTRE: 2150 Bloor St West Mon, Tues and Thurs: 12-6pm / Wed: 12-8pm Sat, Sun and Holidays: 12-5pm / Fri: closed

*The 5% deposit program, free parking and locker, as well as cash incentives ($20,000 cash back on studio and one bedroom suites; $25,000 on one bedroom + den or larger suites) are available on selected suites for a limited time only. Other conditions apply. See Sales Representative for full details. Exclusive listing: City Life Realty Ltd., Brokerage.

Brokers Protected. Prices and specifications are subject to change without notice. Illustrations are artist’s concepts. E. & O.E.

IN THE NEWS

Auto industry surge boosts Ontario economy, housing sector

By Wayne Karl

How does this impact real estate?

In Ontario, manufacturing such as the auto industry are key contributors to the economy. And when a sector is healthy, it leads to job growth, which leads to demand for housing – be it rental, at first, as people move to an area to pursue employment, or ownership, once they have settled in and gained employment stability. For example:

T

he slowdown in the oil and gas industry has been well documented, including its potential impact on the economy and housing sector. Offsetting those challenges, however, is the performance of the auto industry in Ontario – which is coming off a record 2014.

Canadian auto sales climbed a stronger-thanexpected six per cent last year to a record high of 1.85 million units, according to the latest Scotiabank Global Auto Report.

The sales surge continued last month, giving the auto industry its best performance in February since 2008.

“We expect sales to edge up 1.86 million units in 2015, buoyed by ongoing job gains, low interest rates, and near-record vehicle affordability,” Carlos Gomes, senior economist and auto industry specialist at Scotiabank, said in the report.

“Canadian exports have accelerated over the past year, advancing by 11 per cent – the best performance since 2011. Shipments will be buoyed in 2015 by the strongest economic growth in the United States in a decade, as well as by the recent sharp depreciation of the Canadian dollar as a result of the slump in global oil prices.”

50 NEW CONDO GUIDE MARCH 14 - 28, 2015

» Late last year, Honda Canada announced it was investing $857 million to upgrade three plants north of Toronto to make the next generation Civic. With 10 per cent of the cost coming from the Ontario government, the three-year project includes partnerships with Ontario colleges and universities. » Earlier this year, General Motors announced a $560-million investment in its Ingersoll, Ont. plant to make the new Chevrolet Equinox. » In Windsor, Fiat Chrysler Automobile NV’s assembly plant is in the midst of a $2-billion retooling to make the company’s new minivan. » In late February, Ford Motor Co. announced it is adding 400 new jobs in Oakville, Ont. to assemble the redesigned Ford Edge crossover. This is in addition to the 1,000 positions added there in 2014. » The economic benefits deepen when you look at the supply sector – companies that supply parts to the auto makers. » Linamar Corp. announced in January it is investing $400 million – plus $100 million from the Ontario and federal governments – at its plant in Guelph, Ont. to make create new, more environmentally friendly transmissions. The move will create 1,200 new full-time jobs. » And Toyota Boshoku Canada recently announced it is partnering with the provincial government to expand its Elmira, Ont. manufacturing facility, creating 73 new jobs. Toyota Boshoku supplies parts to Toyota’s Ontario assembly plants in Woodstock and Cambridge.

These are among the reasons Scotiabank, the Conference Board of Canada and others are forecasting Ontario to be among the economic growth leaders in Canada this year.

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MARCH 14 - 28, 2015 NEW CONDO GUIDE 51

DESIGNER ADVICE

Get friendly with FABRICS How to mix and match… tastefully

By Yanic Simard

W

|

Photos By Brandon Barre

hen it comes to fashion, don’t be fearful of combining patterns in a room to make it come to life. The trick is to do it tastefully – without creating a décor disaster.

continued on pg. 54 52 NEW CONDO GUIDE MARCH 14 - 28, 2015

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Here, I share my tips for combining patterns the right way: Begin bold Start with one strong pattern – strong could mean thick lines, a particularly busy pattern, or very saturated colours – and build upon it.

Balance of scale The goal is for your patterns to complement one another, not work against one other.

Try to have an even mix of busy and subtle.

Soften prints with solids A fabric without a pattern acts as a staple to all schemes. It’s sort of like the bread to a sandwich – things won’t look (or taste) good without it.

One colour, different shades A more simplified way of mixing patterns is to keep it monochromatic.

Select patterns of one colour but choose varied shades (for example, light blue mixed with medium and dark blue).

Don’t over-coordinate You want to avoid having your fabrics too “matchy-matchy.” If you’re using the same or similar pattern in more than one area, limit it to two places and have them spread far enough apart. continued on pg. 56

54 NEW CONDO GUIDE MARCH 14 - 28, 2015

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My favourite patterns: Gingham This printed or dyed fabric, which dates back to the 17th century, is known for its checked patterns of white and a single bold colour (you’ll often catch me wearing this pattern). The checks can vary in size, and the checks can appear in horizontal rows and vertical columns, or sometimes diagonally.

Pinstripe A classic pattern consisting of very thin stripes running in parallel. It is most recognized in men’s suits and is very striking in home décor.

drapery, a lesser rub count is suitable. Also, fabric with a higher thread count means a tighter weave, which is key to having fabric maintain its shape over time. » Clean-ability Fabrics made of natural fibres will absorb stains much quicker than man-made fabrics, but they will clean up better. Fabrics made with manmade fibres are typically soilresistant but don’t clean up as well.

Chevron A repetitive pattern comprised of sharp ledges that look like the letter “V” (sometimes called herringbone or zigzag). This is on trend right now.

Textile Tips: 1. Choose soft furnishings that will work in any room of your home, so that when you’re ready to change up your décor you can swap pillows, throws, drapery, etc. from room to room.

2. If you’re just starting to re-decorate a room, a textile that you love is a great way to draw inspiration for the entire scheme. Pull the colours, lines, shapes and feel from the pattern on the fabric.

3. When selecting a fabric, keep its application in mind and consider these two important details: » Durability Look at the rub count – if the textile you’re considering is for upholstery and a piece that will be used often, the higher rub count the better. If it’s for 56 NEW CONDO GUIDE MARCH 14 - 28, 2015

Yanic Simard is New Condo Guide’s design editor, principal designer of award-winning Toronto Interior Design Group (tidg.ca), and regular guest expert on City’s Cityline. Check out Yanic’s accessory line, Yanic Simard Selected, by visiting online at ysselected.com

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57

MONEY MATTERS

Coming clean

By Gail Vaz-Oxlade

S

o you’re getting married. Have you been completely honest with your partner about your finances? Now’s the time to ‘fess up. If you aren’t prepared to talk about your money, about the mistakes that you’ve made, about your successes, about your dreams for the future and your hopes for your life together, then just call it off now!

Still getting married? Okay, now gather up all your financial papers, grab a notebook, pencils, a calculator and some file folders. As you do this, you might as well get your money organized, if you haven’t already done so.

What you have: Get your latest statements (or if you’re planning to do this, save your next statements) for your: » chequing account(s) » savings account(s) » investments (GICs, term deposits, mutual funds, brokerage account) » pension (corporate and RRSP) » equity in any property (the value of the property less the mortgage amount) » ownership in a business » any other property you may have an interest in (like a family cottage) If you’re just starting out financially, you may only have one or two pieces of paper to work with. Lucky you. If you’ve already established yourself financially, you may have scads of paper.

List the financial institution(s) and your balance(s) for each of the statements you’ve gathered.

What you owe: Now it’s time to look at your debt, if you have any.

Gather up your most recent statements for your: » credit card(s), including store cards and gas cards » line(s) of credit » loan(s), including car loans and student loans » mortgage » buy-now-pay-later purchases » pay advance loans » taxes (last year’s tax return)

Again, list each company to whom you owe money, your balances, and the interest rate you’re paying. If you have an account that’s in overdraft, you’d put the overdraft amount on this list.

Other financial stuff: Next, make a note of the following: » How much do you earn gross and net? What benefits do you have where you work? Whose job will take priority (if, for example, you have to move for a career opportunity)? » Do you own a car (or other vehicle)?

How old is it? When will you likely need to replace it? » If you didn’t do it before because you didn’t owe the tax man any money, find a copy of last year’s tax return now. » Do you have any insurance (through work, or purchased)? Who’s it with? What’s it for (life, disability, medical, critical illness)? What’s the insurance benefit? Who is the beneficiary? Will you be changing the beneficiary once you marry? continued on pg. 60

58 NEW CONDO GUIDE MARCH 14 - 28, 2015

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MONEY MATTERS continued

Do you have a will and powers of attorney? (Once wed, you’ll have to re-do your will.) » Get a copy of your credit report to see how you look to lenders. The worse your credit history, the more you’ll pay in interest since you’re a higher credit risk. » How will you deal with interruptions in income as they come (which they undoubtedly will) if one of you loses a job, you have children, if a family member becomes ill, or you decide to continue our education? » What other financial responsibilities do you have (like a commitment to support a family member, child support or spousal support, aging parents, needy siblings and the like)? »

Now that you’ve each sketched a picture on paper of your financial realities, it’s time to talk.

One of the first questions you’ll want to address is: “Will we pay off debt before we get married?” If yes, then you have to make a plan for your debt repayment.

Decide how long you have till you’re getting married and then divide the amount you owe by the number of months until you tie the knot. It’s not perfect, but it’ll give you a good idea of how much you’ll have to shell out to dig yourself out of the hole before you plunge into wedlock.

If you decide to tackle the debt together once you’re married, how? Will it come from your current joint cash flow? Will one or both of you get a second job to pay down the debt?

Don’t even think about having kids until you’ve paid off all your consumer debt. Since one or both of you will likely want to spend time at home with your “Mini Me,” you’ll have less income to live on. Maternity or paternity leave isn’t a right, it’s a privilege, and one you exercise only if you can afford it. You won’t be able to make ends meet on less income if you’re still repaying stupid debt.

If one of you has a bad credit history, what will be done to fix it so when the time comes to buy a home (or a new car), there are no surprises (and no whopping interest costs)?

If one of you is an on-again-off-again money manager, remember that if you have a joint account, any missteps going through that account will be reported on both your credit histories.

While money is the number-one way to mess up a perfectly good relationship, I have met couples for whom relationship issues lead to money problems. While you’re in questioning mode, why don’t you answer the following 12 questions too? » How are we going to divide up the household chores? » How much time will we spend at work, at home together, doing our own thing? » What are our expectations about how we will spend our free time? » Do you believe that we should be doing everything together?

60 NEW CONDO GUIDE MARCH 14 - 28, 2015

What role will religion/spirituality play in our lives together? » Can we each pursue our own interests? » Do you need time alone? » What role will our families and friends play in our lives? » What’s your philosophy on having/ raising children? » How will having a child change the way we live? » How would you feel if I want a night out with my friends? » How will we make sure we have quality time together? »

Now that you’ve come clean, you should be ready to move forward together without too many big surprises.

Marriage requires constant attention. Just when you think everything is going smoothly, your significant other will say or do something that takes your breath away.

Know, also, that no matter how well paired you seem at first, as time goes by and you each change, you won’t be the person you were when you married and neither will (s)he. Give each other room, and revisit the questions you sense may have different answers. For while it may feel safer ignoring your differences, that’s a fool’s game. So communicate, don’t disintegrate.

Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com.

Follow Gail on Twitter at twitter.com/GailVazOxlade

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IN THE NEWS

Higher fees loom for Ontario new-home buyers

By Wayne Karl

P

rospective new-home buyers in Ontario might want to act sooner than later, as proposed changes from the Ministry of Municipal Affairs and Housing could result in higher Development Charges and other fees for new homes.

The provincial government is proposing reforms to the Planning Act and the Development Charges Act intended to “give residents a greater say in how their communities grow and would provide more opportunities to fund community services like transit and recycling.”

According to the Ministry, the proposed Planning Act changes, if passed, would: » Ensure residents are better consulted at the beginning of the planning process for new developments. » Encourage residents to provide feedback on the future of their communities. » Help municipalities resolve potential planning disputes earlier, reducing involvement of the Ontario Municipal Board in local disputes. » Extend the review of new municipal official plans to 10 years, instead of the current fiveyear cycle.

Changes to the Development Charges Act, if passed, would: » Help municipalities recover costs for transit services and waste diversion. » Create clear reporting requirements for capital projects municipalities financed though development charges, as well as section 37 of the Planning Act related to density bonusing and parkland dedication.

The Ontario Home Builders’ Association (OHBA), however, has a slightly different view of the proposed changes.

62 NEW CONDO GUIDE MARCH 14 - 28, 2015

“Municipalities are going to pile on a new transit tax on new-home buyers and businesses,” OHBA CEO Joe Vaccaro told New Condo Guide. “Those new neighbours ultimately pay every new tax generated by government in the price of their new home.

“Municipalities collected almost $2 billion for new neighbours in 2013, and included in that are taxes for transportation, but this will allow them to further increase that tax on new-home buyers. This is a disproportionate placement of taxes on new-home buyers/new neighbours.

“New neighbours deserve to know how their money is being used, and municipalities have a responsibility to them,” says Vaccaro. “OHBA is advocating for fairness, transparency and accountability from municipalities on how these new revenue tools are being utilized, what projects they are moving forward with and time lines for completion.”

OHBA is the voice of the building, land development and professional renovation industry in Ontario, representing 4,000 member companies in 31 local associations across the province. The industry contributes more than $42 billion to Ontario’s economy, employing more than 325,000 people across the province.

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FINANCES

27.5% of Canadians ARE IN CREDIT CARD DEBT DENIAL

U

sing a credit card to extend purchasing power is common consumer behaviour – but while carrying a balance may be the “new normal,” a survey finds cardholders are often incorrect about how their own debt compares to the rest of Canadians.

RateSupermarket.ca’s Debt Denial study, which polled 6,090 credit card consumers, finds 27.5 per cent of respondents are wrong in how they perceive their debt, with 22 per cent mistakenly believing they owe less than the national average.

“We found that Canadians want to believe their credit habits are sustainable and responsible,” says Penelope Graham, editor at RateSupermarket.ca. “However, 42 per cent of those who believe their debt is on par with the average are actually carrying more than the norm.”

Interestingly, the survey found the opposite also holds true: 35.4 per cent of those who believe they have too much debt actually have less than their peers.

To find the extent of debt denial in Canada, RateSupermarket.ca polled respondents on their credit card balances as well as their sentiments regarding their debt. The findings were then cross referenced with the average Canadian credit card balance of $2,627* to determine how cardholders' perceptions aligned with reality.

Are Canadians in credit card debt denial?

$2,627*

The average amount of credit card debt in Canada

48.4% carry less than $1,000 26% carry between $1,000 – $5,000

We think we’re improving Compared to the 2012 study* › Cardholders are 3% more likely to believe they have lower-than-average debt compared to 2012.

20.67% carry more than $5,000

› 39% say they are comfortable with their level of debt – an increase of 5%.

42%

› 18.4% of Canadians say they have no credit card debt at all – up 5.3%.

of those who believe they have the average amount of debt are in credit card denial

*https://www.ratesupermarket.ca/ blog/are-canadians-in-credit-carddebt-denial/

Plus, 46% of them carry more than $8,000

17% of those who believe they have less

What debt type worries us most?

debt than average are in credit card denial

Credit card: 34.3%

By contrast 35.4% of those who believe they have too much debt actually have less

Mortgage: 22.6%

Courtesy of RateSupermarket.ca

Line of credit: 12.1% Student loan: 9.7% Other: 7.2%

* Calculated by Canada.CreditCards.com based on data from RBC Economics, Canadian Credit Trends on Oct. 31, 2014 and Statistics Canada.

Additional survey findings include: › 63.6% of Canadians think their credit card debt is lower than average › 10.9% believe their debt is higher than average › 25.4% believe their debt aligns with the national average › Of those who mistakenly believe they carry an average amount of debt, 46% owe more than $8,000 › 20.67% of total respondents reported a credit card balance higher than $5,000 › 39% of total respondents say they are comfortable with the amount of debt they carry

*Calculated by Canada.CreditCards.com based on data from RBC Economics, Canadian Credit Trends on Oct. 31, 2014 and Statistics Canada. continued on pg. 66 64 NEW CONDO GUIDE MARCH 14 - 28, 2015

FINANCES continued

It’s scary, but the first step to conquering lingering debt is to know the extent of the damage

27.5%

The total percentage of Canadians in credit card denial:

Perception versus reality: Which province has the most debt?

(Percentage of those with more than $3,000 in total credit card debt)*

Reality BC: 29.66%

Alberta: 28.49% Quebec: 33% Saskatchewan: 24.26% New Brunswick: 24.38%

Manitoba: 28.37% Ontario: 32.21%

Nova Scotia: 30.8%

Perception Which province thinks they have the most amount of debt?

Which province thinks they have the least amount of debt?

(Percentage of those who believe they carry more than the national average)

(Percentage of those who believe they carry more than the national average)

Ontario: 27%

New Brunswick: 66.6%

Manitoba: 18.6%

Saskatchewan 61%

Quebec: 16%

Quebec: 59%

Courtesy of RateSupermarket.ca

About RateSupermarket.ca Launched in 2008, RateSupermarket.ca is a comprehensive rate comparison site offering visitors transparent access to mortgage rates as well as credit cards, bank accounts, insurance quotes and GIC rates. The findings of the Debt Denial study are based on a survey of 6,090 respondents.

66 NEW CONDO GUIDE MARCH 14 - 28, 2015

How can you overcome credit card denial? RateSupermarket.ca offers these tips: › Face the numbers. It’s scary, but the first step to conquering lingering debt is to know the extent of the damage.

Use a credit card debt calculator to see how long your balance will take to pay off and the interest you’ll incur in the meantime. Build a dedicated monthly budget to paying off the total. › Divide and conquer. Are you carrying a balance on multiple credit cards? Focus on the highest-interest charging cards first – the longer they rack up charges, the more you’ll pay over time. › Take your card out of commission.

Leave your card (and the temptation to use it) at home whenever possible.

Switch any recurring bill payments off your credit card and remove any saved card info from your favourite online shopping spots. Out of sight, out of mind. › Change for the better. Consider swapping your credit card for a lower interest or balance transfer option to help mitigate interest paid each month. Cards with low balance transfer features allow existing balance to be moved from another card, and then charged at a special low rate for a limited time.

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Web: ArtShoppeCondos.com

EAST FIFTY FIVE

By Lamb Dev. Corp. & Hyde Park Homes Spectacular modern residences coming soon to the lower east side. Register now to stay informed.

Web: East55condos.ca

MINTO WEST SIDE

By Minto Preview opening coming soon at Minto’s new condominium, coming soon to Bathurst and Front Street. Register now.

Web: MintoWestSide.com

previews & registrations BLUE DIAMOND AT IMPERIAL PLAZA

By Camrost Felcorp Brilliant living and forever views at the aptly named new condo coming soon to Avenue and St. Clair. Register now.

Web: BlueDiamondCondos.ca/cg

CITYLIGHTS ON BROADWAY

By Pemberton Group

THE SOUTHWOOD

By Streetcar Now open in the Upper Beach, The Southwood is the place to be for the modern family. Visit the presentation centre at 663 Kingston Rd. Web: TheSouthwood.com

GIBSON SQUARE

By Menkes New release of podium suites in North York City Centre, at Yonge and Park Home.

Web: Menkes.com

RIVA DEL LAGO

By Monarch Riva del Lago is now open on the Etobicoke Humber Bay waterfront. Register now.

Web: MonarchGroup.net

PACE

By Great Gulf

Design Haus is exceptionally designed and steps to everything Toronto has to offer.

Register now.

Web: MyDesignHaus.ca

The final release of suites at Pace is now underway. Get all the details on this intensely urban and decidedly modern project.

Web: PaceCondos.com

THE RAVINE

By Urban Capital & ALIT Developments

RIVERCITY 3

By Urban Capital

City and nature come together at The Ravine.

Register now.

Web: TheRavine.ca

Presentation centre and model suite now open at Urban Capital’s new condominium coming to the revised West Don Lands.

Web: RiverCityToronto.com

VIVID CONDOMINIUMS

By Pemberton Group

New condos at Yonge and Eglinton are coming soon. Register now.

Web: CityLightsCondos.ca

TEAHOUSE

By Lanterra Developments

5959 YONGE ST CONDOS

By Ghods Builders Inc.

Launching Phase 2 in March. East meets West in this new Asian-inspired condominium located at 501 Yonge St. Register now.

Web: TeaHouseCondos.com

New North York condominium residences are taking luxury and lifestyle to new heights.

Now previewing.

Web: 5959Yonge.com

MINTO YORKVILLE PARK

By Minto

TEA GARDEN CONDOMINIUMS

By Phantom Developments

72 NEW CONDO GUIDE MARCH 14 - 28, 2015

This newest addition to the Metrogate landscape in now open at Kennedy and Hwy. 401. Visit the presentation centre today.

Web: Tridel.com

DESIGN HAUS

By Shiu Pong

Vivid Condominiums at Bloor and Islington is the grand finale of a brilliant master-planned community. Register now.

Web: VividCondos.com

A highly anticipated condominium is coming soon to Toronto’s high-end Yorkville neighbourhood. Register now.

Web: MintoYorkvillePark.com

AVANI 2

By Tridel

Intimate boutique address coming to the prestigious Bayview Village area.

Register now.

Web: TeaGardenCondos.com

BEACON

By Sorbara Group Sleek 35-storey tower coming to the North York skyline. Presentation gallery now open.

Web: BeaconCondos.ca

RESIDENCES OF 488 UNIVERSITY AVENUE

By Amexon Development Corp.

Presentation gallery is now open, showcasing this elegant 55-storey glass and steel tower on University Avenue.

Web: 488University.com

50 AT WELLESLEY STATION

By Plaza Now open at Yonge-Wellesley, this condo ushers in a new way of city living.

Web: PurePlaza.com

GTA Edition March 2015

Your complete source for condos, lofts and townhomes in Toronto

MODEL SUITE OPENING SATURDAY, MARCH 28TH, 2015 and SUNDAY, MARCH 29TH, 2015 11AM – 5PM

NEW RELEASE OF SUITES IN THE HE ART OF MIMICO-BY-THE-LAKE

IN 15 E 20 V MOMER M U S

CASH BONUS UP TO $18,000

*

Steps from the waterfront and minutes from downtown Toronto, Mimico-bythe-Lake offers lake-side living with convenient transit right at your door step.

Townhomes and Condominium suites from 1 bedroom & 2 bedrooms starting from the $300s.

Limited time incentives. Call today!

• 6 month free maintenance plus additional cash incentives • Upgraded kitchen package • Parking and Locker included**

ElevenSuperior.com | 416.259.8882

PRESENTATION CENTRE

HOURS

2398 Lake Shore Blvd. West Etobicoke ON

Tuesday – Thursday 2pm – 5pm Saturday & Sunday 1pm – 4pm Please call to book your personal appointment

*Limited time offer. Cash back credit on closing. $18,000 off 2 beds. $15,000 off 1 beds. **Parking not included on selected suites.

Prices and specifications subject to change without notice. Images for mood and impression only. See sales rep for details. E & O.E.

CONDO PROFILE

A NEW ERA FOR MIMICO-BY-THE-LAKE continues to shape-up with Eleven Superior

S

pring is in the air, and construction is near completion at Eleven Superior in Mimico. With homeowners moving in this summer and only a few suites remaining, now’s the time to get in, while you still can!

“We are excited to bring this pioneering new addition to the community and for the opportunity to be an integral part of the revitalization of Mimico-bythe-Lake,” says Graham Chalmers, co-owner of Davies Smith Developments.

Attracting first-time homebuyers and empty nesters from the area, as well as young outdoor recreation enthusiasts from downtown, Eleven Superior is a nine-storey midrise condo offering 132 suites steps from Toronto’s recently completed linear Waterfront Park. Providing purchasers with easy lake-front access and a variety of outdoor activities year-round, the new 1.1-kilometre Waterfront Park is outfitted with boardwalks, cycling and in-line skating trails, rest areas, sand dunes and cobble beaches, welcoming joggers, cyclists and urban explorers along the city’s waterfront edge during the spring and summer months.

During winter, Eleven Superior homeowners can enjoy the brisk fresh air at one of Canada’s best ice-skating parks located at the foot of Kipling Avenue

and Lake Shore Boulevard West.

The 250-metre, figure-eight shaped skating rink near Humber College, also known as the Colonel Sam Smith Ice Trail, has not only become a top winter hot spot for Torontonians, but was also rated by Chatelaine Magazine as one of the best winter destinations in Canada! With fourseason recreation opportunities just outside its door, Eleven Superior is a quick car-ride from downtown Toronto and is accessible by streetcar with a TTC stop right in front.

Eleven Superior homeowners also enjoy the convenience of living right on Mimico’s pedestrian-friendly main MARCH 14 - 28, 2015 NEW CONDO GUIDE 73

toned granite countertops and islands with modern wood cabinetry. The bathrooms, foyers and laundry areas are polished with porcelain or ceramic floors. Suites also feature floor-toceiling or vast windows providing magnificent views of Lake Ontario.

The contemporary interior design is capped with an indoor rooftop amenity space that includes a fitness centre, social lounge with a private dining area and room for entertainment. All of the indoor amenity space connects to a generous wrap-around terrace equipped with a barbecue that overlooks the city and the water.

Eleven Superior offers a selection of one- and two-bedroom suites and townhomes, with a new release of suites. Prices start from the $300’s.

Parking and locker* are included, and for a limited time, Davies Smith Development’s is offering purchasers a cash bonus of up to $18,000; six months of free maintenance; an upgraded kitchen package; plus additional cash incentives.

Located on Superior Avenue, just steps from Lake Shore Boulevard West, the Eleven Superior sales centre is located at 2398 Lake Shore Blvd., West in Etobicoke.

Eleven Superior’s construction nears completion at the corner of Lake Shore Boulevard West and Superior Avenue

street, lined with retail, supermarkets, sizzling restaurants and coffee houses including Birds & Beans Café by the lake. Rich in culture and history, Lakeshore Arts also sits in the heart of the action, as a key organizer for hosting local artists and cultural events.

“We are happy to see the revitalization of such a prominent corner and are looking forward to Eleven Superior’s contribution to the vibrant street life of Mimico-by-the-Lake,” says David Pritchard, Mimico-by-the-Lake BIA board member and owner of Birds & Beans.

Eleven Superior’s interiors offer engineered laminate flooring and a choice of colour palettes to accommodate individual styles. The kitchens boast warm74 NEW CONDO GUIDE MARCH 14 - 28, 2015

Check out the model suite grand opening on Sat., Mar. 28 and Sun., Mar. 29, from 11 a.m. to 5 p.m. For more information, call 416.259.8882; email info@elevensuperior.com or visit ElevenSuperior.com *Parking included on selected suites.

See sales rep for details. Prices and specifications subject to change without notice. E. & O.E.

on the subway

2 3 5 9

onthedanforth arriving soon

CONDOS $200’s from the mid

Get on it! Grab the subway. Stroll the Danforth. Step out to hip restaurants, shops and bars. Stretch out with 9’ ceilings, big balconies with great views. Chill out with two large terraces, fitness room, party room and private dining room. Even a pet spa and bike storage.

Live. Lounge. Love. On the Danforth.

register today

onthedanforthcondo.com Developments onthedanforth Brokers Protected. Prices and specifications subject to change without notice. E. & O.E.

CONDO PROFILE

KINETIC-INSPIRED ARCHITECTURE for On The Danforth Condos to energize Toronto’s east end

W

hen On the Danforth Condos rises at 2359 Danforth Ave. and Oak Park Avenue, at a subway stop in Toronto, the traditional architectural character of this east-end area will take on new charm. Diam Developments enlisted onespace unlimited inc. to design the 10-storey residence with contemporary vigour, while nodding to the past. Kinetic

76 NEW CONDO GUIDE MARCH 14 - 28, 2015

elements such as L and U shapes in the brick running through the architecture will make the building appears “in motion” as the eye travels along its exterior.

“On The Danforth Condos is situated next to a classically

“We stepped the design back on the south side to acknowledge the clear brick base and create a dialogue between the two structures.

The result will be a condominium that shakes hands architecturally with its neighbours.” proportioned older Hydro building, ordered in design with simple detailing,” says Rod Rowbotham, president at onespace unlimited inc. “Rather than mimicking its exterior, we responded to its character by using a complementary brick colour corresponding to the first few floors. We also stepped the design back on the south side to acknowledge the clear brick base and create a dialogue between the two structures. The result will be a condominium that shakes hands architecturally with its neighbours.”

Once On The Danforth Condos reaches the height of the adjacent building, its brick colour will change to a darker tone, and large expanses of glass will add a contemporary flair. “The change in brick colour breaks up the mass of the building,” Rowbotham explains. “The contemporary asymmetrical design shall be created from traditional materials, which again, speaks to On The Danforth’s surroundings. The building rises, gives to a sense of movement, which is appropriate, considering On The Danforth is on the subway line. Just as transit moves people, in this case, the motion in the façade nods to transit inspiring the building’s movement.”

In addition to a residence entrance lobby, the ground level will feature a retail component, which will fit in well with the urban environment on the Danforth. Interiors

by EsQape Design carry the concept of movement to the inside with the kinetic treatment of lines and planes energizing the eye. “As soon as residents and guests open the door and step into the lobby, they will feel the excitement of this urban setting,” Rowbotham says.

“The building’s amenity spaces shall integrate the outdoors with the indoors, which is something today’s condominium owners want.

In this case, the top of the building faces south and contains a beautiful amenity space with outdoor terraces facing south and a balcony facing east. I call this providing democracy to view, because even suite owners who live on the north side of the building on a lower floor can come up to this area and look out over the city. Residents can also take their guests from the private dining room out onto a furnished terrace deck for additional entertaining opportunities.” Amenities extend to an exercise room and multi-purpose room with a kitchen.

Earning a Walk Score of 96 out of 100, On The Danforth is the epitome of convenience. It’s a brief stroll to the Woodbine and Main subway stations and Main/Danforth GO station rail stop, and residents can walk to Gledhill Park, Stanley G. Grizzle Park and Stephenson Park.

Destined to become an eastend icon with onespace unlimited’s brilliant design, On The Danforth will offer 135 suites, with prices beginning from the mid-$200,000s. This price point represents tremendous value for this evolving neighbourhood close to the downtown core and steps to the eclectic shops along the Danforth .

To register, visit OnTheDanforthCondos.com

MARCH 14 - 28, 2015 NEW CONDO GUIDE 77

IN THE NEWS

CONVENIENT, INTELLIGENT CANARY PARK offers ultimate contemporary urban living

L

ocated on 35 prime acres adjacent to the huge Corktown Common park, Canary District’s eastdowntown location is the picture of balanced city living. Every urban amenity you want and need is minutes away – including quick access to the Gardiner Expressway and Don Valley – from this pedestrian-friendly, tree-lined enclave with the streetcar on the doorstep. Neighbourhood shops, restaurants, a YMCA and the Front Street Promenade add to the dynamic of the area.

In the heart of Canary District, the 654-sq.-ft. junior two-bedroom C1 layout at Canary Park is designed to inspire you, much like the distinctive neighbourhood itself.

From the foyer, you and your guests have convenient access to the coat closet and a full, four-piece bath featuring a soaker tub. The spacious bedroom across the hall can serve double-duty as a den, media room or anything else your lifestyle requires.

The bright, spacious and airy open-concept living/ dining room and stylish integrated kitchen offers plenty of space for entertaining. The inviting balcony looks out on great views of the city. The light-filled master bedroom is a luxurious, modern space with a spacious closet and its own gorgeous bathroom with an oversized shower.

Canary Park Condominium gives residents and their

visitors a stunning first impression from the two-storey lobby lounge, with contemporary chrome details and a timeless inlaid stone fireplace. A walkway from Corktown Common to the brand new Front Street Promenade passes right through.

Canary Park’s entertaining options include a choice of two party rooms, each with kitchenette and dining area in a designer lounge environment. A floor-to-ceiling glass wall in the 11th-floor party room offers spectacular views of the downtown skyline; on the same floor with expansive views of the park, an outdoor lounge surrounds a sparkling swimming pool. There’s also a state-of-the-art on-site fitness facility with all the latest cardio and strength-training equipment, as well as a yoga studio, spa-inspired steam rooms. and his and her change rooms.

Like Canary Park’s suites, Canary District itself emphases personal wellness, with streets designed to make you love to walk. With its next-generation intelligent community network connection, Canary District has also been named one of the world’s most intelligent communities. It’s the best combination around, and it’s all in the heart of Canada’s most dynamic city.

Right now, an extended deposit plan is available on the C1 suite that can help make your ownership dreams reality! Ask for details at the presentation centre at 398 Front St. E., open Monday to Thursday, noon to 6 p.m.; Saturdays, Sundays and holidays from noon to 5 p.m.; closed Fridays. Call 416.603.7576 or visit online at CanaryDistrict.com.

78 NEW CONDO GUIDE MARCH 14 - 28, 2015

TEA.TIME. BOUTIQUE CONDO LIVING AT BAYVIEW VILLAGE FROM THE MID 200’S Welcome to Tea Garden Condominiums, located in the prestigious Bayview Village neighbourhood. An intimate boutique address graced with contemporary architecture and luxurious amenities. An urban oasis just steps to Bayview village, subway and parks!

R EG ISTER N OW AT T EAG A R D EN CON D OS.COM Brokers Protected. Prices and specifications are subject to change without notice. Illustration is artist concept. E .&O.E.

MEET OUR HERO

Gabriel

GABRIEL WAS SIX AND A HALF MONTHS OLD WHEN HE developed a fever and flu-like symptoms. After seeing his pediatrician, Gabriel went to a local hospital to undergo bloodwork which showed that his red blood cells were extremely low, and his white cell count, extremely high – an indication of blood cancer. Fearing leukemia, he was rushed by ambulance to the Hospital for Sick Children (SickKids). That night, April 23, 2012, Gabriel was diagnosed with infantile acute lymphoblastic leukemia.

Gabriel spent the next six months almost entirely at SickKids since his condition required extremely close monitoring.

Acute lymphoblastic leukemia (ALL) is a cancer of the white blood cells characterized by excess lymphoblasts.

Malignant, immature white blood cells continuously multiply and are overproduced in the bone marrow.

Normal cells like red blood and platelets are under produced which can ultimately result in organ failure and death if not detected early. ALL is the most common blood cancer in childhood with a peak incidence at two to five years of age and another peak in old age. Infant ALL represents about two per cent of all paediatric cancer and is much harder to treat than childhood leukemia.

Doctors told the family that Gabriel’s condition was extremely serious. Upon diagnosis he was already very sick. His healthcare team indicated that survival rates for this type of cancer are documented at less than 50%. Gabriel experienced several long and intensive chemotherapy cycles. The first four cycles included chemotherapy that could only be given in-hospital.

Upon completion, Gabriel was sent home to continue his treatment mostly as an outpatient.

Nearly one hundred days before Gabriel finished treatment, the cancer returned. He was readmitted to the hospital and spent eight months undergoing an even more intensive chemotherapy regimen including radiation.

In June 2014, Gabriel was fortunate enough to receive a bone marrow transplant from his older sibling. Since returning home in August, Gabriel has been in isolation due to his immune compromised state. Gabriel is making a slow and steady recovery. His kidneys, which suffered significant damage as a result of his life-saving treatment, have begun to heal, with the hopes that he will recover to optimal health.

“This has been a long journey and SickKids has been there every step of the way. The hospital became our home and the staff our extended family. It is a very lonely existence when you hear the words ‘your child is sick’, and SickKids took care of our entire family. The SickKids team enabled us to keep moving forward during a marathon that required a sprint finish. Gabriel’s team took a holistic approach to his care. While all were focussed on saving his life, it was never forgotten that Gabriel was still a child who needed normal childhood experiences.

SickKids is a place where Gabriel felt safe, where he made many friends and participated in fun programs and activities. SickKids hospital provided us with a community that we will always be part of.”

– Asaph, Gabriel’s dad.

WHY SICKKIDS? 1

In Canada, approximately 1,400 children are diagnosed with cancer each year and leukemia is the most common form. Last year, SickKids provided care to approximately 100 children with leukemia.

2

In 2011, Dr. David Malkin and his SickKids team developed a new approach for early cancer detection in patients at high risk for the disease. This “Toronto protocol” has so far led to a 100% survival rate among the patients and is now being used by doctors around the world.

BUILDERS HELPING TO HEAL Yellow Pages NextHome, the publisher of New Home Guide, New Home & Condo Guide and New Condo Guide, is teaming up with builders and their suppliers to help raise money for SickKids. The following companies have contributed generously to help give Ontario’s children the world-class care they deserve. These pages honour these special people, and we thank them for their generous support.

Leaders, a program at SickKids which draws on the support of more than 150 volunteers over 30 industry sectors. www.sickkidsleaders.com

Builders Helping to Heal and Friends of the Industry are Yellow Pages NextHome initiatives stemming from SickKids

Readers looking to support SickKids can go to www.sickkidsleaders.com

Again, we thank our generous sponsors and appreciate their ongoing commitment. These companies not only build housing, but they support the families in the communities in which they build.

GOLD SPONSORS

PLATINUM SPONSORS

www.bazis.ca

www.lashgroup.ca

www.heathwood.com www.averton.ca

SILVER SPONSORS

www.fieldgatehomes.com

www.spallaccigroup.com

www.primonthomes.com

www.starlanehomes.com

SWEETEST SUITES

MODEL SUITE SHOWCASES INNOVATIVE THINKING AND LUXURIOUS DESIGN at 5959 Yonge St Condos

O

ne of Toronto’s hottest condo properties, 5959 Yonge St Condos, renowned for its innovative amenities, has just unveiled an equally impressive, design-forward model suite. Continuing with their outsidethe-box thinking in creating a building that boasts the first multi-functional LED sports court and other unique amenities, Ghods Builders chose DesignTheory to complete their vision for the suite.

82 NEW CONDO GUIDE MARCH 14 - 28, 2015

“Timeless, classic and designforward.” These are words DesignTheory directors Leanne Tammaro and Adolphina Karachok proudly use to describe the design of the model suite.

“We designed the space to be contemporary and modern with a

timeless, classic feeling by mixing a lot of materials and styles to create an upscale, custom look,” says Leanne.

Many upscale finishes and amenities come standard with the suite, including quartz kitchen countertops, six-piece integrated European-style appliances, stacked washer and dryer, and roller blind window coverings throughout the unit.

“Quartz countertops as a standard in the kitchen are a great feature because they are so durable and add such a luxurious finish. The counters can also be upgraded to granite,” says Leanne. “The laminate wood cabinetry is available in a number of standard finishes from wood grain to paint grade, which, with the upgrades, can transition into high-gloss flat-front cabinetry.”

The living/dining space can be used for large parties or more intimate settings can be created. Classic elements such as the tufted sofa combined with fashionforward accessories like the citrus cushions add a pop of colour. “The furniture incorporates mixed metals in golds and silvers, which is a really hot and on-point look right now,” says Leanne.

The master bedroom is a symphony of calming neutrals and rich metallics – in the shimmer of the champagne-coloured draperies, the silver mirror and the gold-toned bench. “We wanted this space to be more upscale and luxurious, as you can see by the applied moldings on the walls and the use of luxe furniture pieces like the tufted headboard and the mirrored night tables,

which feel very glamorous,” says Adolphina. “It feels like a luxurious hotel experience.”

The spa-like feeling is echoed in the master ensuite. “We designed a very modern style vanity and carried the walnut wood finish from the kitchen and den by wrapping the vanity in a two-inch thick border of walnut, with high-gloss white centre panels,” says Leanne. Homeowners can also choose to upgrade to Kohler vessel sinks as well as polished mosaic tiles in the shower area.

“We really tried to focus on thinking outside of the box and finding new ways to use classic materials,” notes Leanne.

Prices start at just $288,900 representing outstanding value for a luxuriously designed suite in a state-of-the-art building, boasting a multitude of unique amenities and a great location on Yonge, just north of Finch. For more information, visit 5959yonge.com or call 416.222.5959.

MARCH 14 - 28, 2015 NEW CONDO GUIDE 83

FINANCES

Out of sight, out of mind?

MORE THAN HALF OF CANADIANS HAVE NEVER CHECKED THEIR CREDIT SCORE

M

any Canadians are unaware how their financial behaviour may be affecting their overall credit standing and the impact that can have on getting approved for a mortgage or a lease to rent an apartment. This, according to a new BMO Bank of Montreal report.

Conducted by Pollara, the survey was designed to reveal the overall knowledge among Canadians on credit and how it is rated in Canada.

Findings include: » More than half of Canadians (56 per cent) say they have never checked their credit score and only 14 per cent check at least once a year » Almost one-third (31 per cent) lack knowledge about how to achieve a good credit rating » One-fifth believe that checking their credit score can decrease their score » While Millennials (18 to 34 year olds) are more aware of their credit standing, with 20 per cent checking at least once a year, more than one-third (35 per cent) say they lack knowledge about how to attain a good credit score The study also revealed that more than half (52 per cent) of Canadians do not know what would be considered a good credit score, with one-fifth (21 per cent) believing it to be below 600.

“A good credit score is generally considered in the range of 680 to 720,” says Tony Tintinalli, regional 84 NEW CONDO GUIDE MARCH 14 - 28, 2015

vice-president, BMO Bank of Montreal. “A poor credit rating results in significant financial limitations – everything from being approved for a loan to renting an apartment. A financial adviser can help advise you on the factors and behaviours that can build or maintain a good credit score.”

BMO offers the following tips to help Canadians improve or maintain their credit score: Pay bills on time. One of the best ways to improve your credit score is to pay your bills within the grace period.

If you have past-due bills now, get current as soon as you can. If possible, set up an automatic bill payment schedule to help you stay on track. In the event you miss a payment, a call to your credit card or mortgage company to work out a plan can help save you unnecessary dings on your credit score.

Manage your credit cards; don’t cancel them. A popular myth is that closing old accounts will increase your credit score; this is not necessarily true. Credit bureaus look at a combination of factors, including the total length of your credit history, which means it may be better to keep your credit cards but manage them responsibly.

Check your credit report. A credit report is a record of how you’ve paid your debt. It shows how much debt you have and whether you’ve made payments on time. You can order your own credit reports free from the three major credit reporting bureaus (Equifax, Experian and TransUnion) annually and check to see if there are any errors or problems.

™

ARAGON.CA

OVER

50%

SOLD

™

ARAGON.CA

THINKFORWARD™ ARAGON.CA

LIVEFORWARD™ ARAGON.CA

*Prices and availability subject to change or be withdrawn without notice and do not include taxes. E&O.E.

YOU DON’T LIVE IN DESIGNFORWARD A BOX. THAT’S WHY WE’RE THINKING MOVEFORWARD OUTSIDE OF IT.

ENIGMA ON THE PARK r St W

Bloo

N

t

erin S Duff

heart of the connected Bloordale neighbourhood.

With direct access to the Go Train, expressway and metro lines, the opportunity to be a part of the best in urban design won’t last long—homes range from studio suites at $233,900 to penthouses starting at $361,900. Register today at aragon.ca/enigmalofts.

Call or visit: 138 St. Helen’s Ave, 416.516.1551.

Ave owne Lansd Ave elens St. H

Enigma on the Park is now over 50% sold.

Construction has started, and the Presentation Centre will be moving to Bloor Street by Spring 2015. Enigma represents more than a subtle shift in urban planning and architectural design practices.

It’s a revolution that begins with these 86 parkside loft style condos and townhomes located in the

Presentation Centre e St

Colleg

Dundas St W

#ARAGONFORWARD Aragon Properties Ltd. MARCH 14 - 28, 2015 NEW CONDO GUIDE 85

Feel the conne ion at Bloor & Islington urban towns priced right

200’s*

$

from the mid

Your Connexion starts here. Steps from Islington subway and walking distance to the GO train. Near trendy shops, restaurants, bars, schools, Islington Village and The Kingsway. Contemporary spacious and light-filled townhome designs are so today - so you!

Life can be great when you make the right Connexion.

register today for first priority preview

northstarhomesinc.com *Prices and specifications subject to change without notice. Renderings are artist’s concept. E & O.E.

87

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Perspective Condominiums 290 Scarlett Rd. Etobicoke, ON

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Mon - Thurs : 1pm - 7pm Fri : Closed Sat - Sun : 12pm - 5pm

t: f: e: w:

416 242 3500 416 242 7924 info@perspectivecondos.com perspective4free.com In2ITIon

For one year only. Based on one year estimate of total monthly condo fees, total monthly property tax and total monthly mortgage interest at 2.6% of an 80% mortgage. Live Free promotion commences upon occupancy. Purchaser responsible for hydro, closing costs, moving costs, other related purchase costs and personal monthly expenses. Exclusive listing Brokerage: In2ition Realty. Brokers Protected. Prices and specifications subject to change without notice. E. & O.E. This offer is not to be combined with any other offers. For qualified purchasers only. Limited time offer until April 30, 2015, that may be withdrawn at any time without notice. Please see a sales representative for details.

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* Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

# Builder 2 GREAT GULF 6 CRESFORD DEVELOPMENT CORP. 7 THE DANIELS CORPORATION 11 MENKES DEVELOPMENTS INC. 11 MENKES DEVELOPMENTS INC. 12 STREETCAR DEVELOPMENT 17 ROCKPORT GROUP 18 MONARCH CORPORATION 18 URBAN CAPITAL 20 MENKES DEVELOPMENTS INC. 22 MONARCH CORPORATION 23 TRIBUTE COMMUNITIES 26 BAZIS INC. 27 THE DANIELS CORPORATION 35 MENKES DEVELOPMENTS INC. 35 MENKES DEVELOPMENTS INC. 48 MADISON HOMES 48 FIELDGATE HOMES 50 CRESFORD DEVELOPMENT CORP. 52 CRESFORD DEVELOPMENT CORP. 52 CRESFORD DEVELOPMENT CORP. 58 GREAT GULF 61 MINTO COMMUNITIES INC. 65 ARAGON PROPERTIES 67 PEMBERTON GROUP 68 LAMB DEVELOPMENT CORP. 73 DIAM DEVELOPMENTS 74 DANIELS CORP. 75 CANALFA GROUP 79 FREED 99 GREAT GULF 131 LANTERRA DEVELOPMENTS 140 EDEN SHAW 140 45 CHARLES LTD. 149 CAMROST - FELCORP 150 ASPEN RIDGE HOMES 162 PIANOSI DEVELOPMENTS 190 CRESFORD DEVELOPMENT CORP. 192 MINTOURBAN COMMUNITIES INC. 202 BAZIS INC. 202 RIO CAN 202 METROPIA 222 LAMB DEVELOPMENT CORP. 2 CONCORD ADEX 3 CONCORD ADEX 3 CONCORD ADEX 3 CONCORD ADEX 3 CONCORD ADEX 4 GAIRLOCH INVESTMENTS 4 CENTRESTONE URBAN DEVELOPMENTS INC. 5 ONNI GROUP OF COMPANIES 5 ONNI GROUP OF COMPANIES 5 CONCORD ADEX 6 CRESFORD DEVELOPMENT CORP. 6 CRESFORD DEVELOPMENT CORP. 7 THE DANIELS CORPORATION 8 CRESFORD DEVELOPMENT CORP. 9 ASPEN RIDGE HOMES 9 CITYZEN 10 EMPIRE COMMUNITIES 11 TRIDEL CORPORATION 12 NORTH DRIVE INVESTMENT 13 STREETCAR DEVELOPMENT 14 CANALFA GROUP 15 TRIDEL CORPORATION 16 FREED 18 URBAN CAPITAL 18 URBAN CAPITAL 19 KINGSTONE ROAD DEVELOPMENT 21 GREENLAND GROUP *TH: Townhomes, C: Condo

Site Telephone TH* C* Price Range Page Finder Yonge+Richmond 416-499-8883 • from $330,000 25 16K Merton Yonge Condominiums 416-484-1900 • from $450,000 120 14E High Park Condominiums 416-351-1844 • from $300,000 Insert 8L Pears on the Avenue 416-323-0100 • from $420,000 Insert 14I 365 Church 416-591-7700 • from $242,000 Insert 14I The Southwood 416-750-7506 • from $300,000 39 23D The Nest 416-223-0003 • from $250,000 61 11H Riva del Lago 416-495-3544 • from $300,000 Insert 24C RC3 416-862-0505 • • from $220,000 41 18L Fabrik 416-591-7700 • from $350,000 Insert 14M Picasso on Richmond 416-495-3549 • from $400,000 Insert 14M The College 416-363-4800 • from $320,000 47 M14 No1 Yorkville 416-519-2911 • from $408,000 3 15I One Park Place South Tower 416-955-0559 • from $250,000 29 18K 87 Peter 416-591-7700 • from $282,000 Insert 15M The Eglinton Yonge at Heart menkes.com • Insert 15D Zigg St.Clair West 416-545-0223 • • from $320,000 55 14J Zigg St.Clair West 416-545-0223 • • from $320,000 55 14J VOX 416-485-3000 • 120 15J CASA 2 416-486-2272 • from $350,000 IBC 15L CASA III 416-486-2272 • from $390,000 120 15L Monde 416-466-8885 • from $320,000 25 17M West Side mintowestside.com • • from $220,000 23 13M Enigma on the Park 416-516-1551 • from $234,000 85 9L Citylights on Broadway 905-326-4100 • from $200,000 8 14D East Fiftyfive 416-368-5262 • from $260,000 51 17L On The Danforth onthedanforthcondo.com • from $250,000 75 23G The Bartholomew Downtown East 416-955-0559 • from $220,000 15 18K Liberty Central by the Lake Two 416-537-0047 • • from $250,000 65 12N Art Shoppe Condos artshoppecondos.com • from $200,000 69 14D One Bloor Residences 416-922-0081 • from $640,000 25 15I Riverhouse at the Old Mill 416-766-7343 • from $518,000 19 5L Chaz Yorkville Condos 416-922-0045 • from $400,000 27 16J Chaz Yorkville Condos 416-922-0045 • from $400,000 27 16J Blue Diamond at Imperial Plaza bluediamondcondos.ca/cg • from $300,000 1 15I Studio on Richmond 647-352-7736 • from $300,000 45 15M Perspective Condos 416-242-3500 from $300,000 89 4H 1000 Bay 416-485-3000 • from $350,000 120 15J 30 Roe 416-915-3812 • from $397,000 43 14E E Condos 416-243-8688 • from $360,000 5 14D E Condos 416-243-8688 • from $360,000 5 14D E Condos 416-243-8688 • from $360,000 5 14D The Harlowe 416-363-1771 • from $276,000 53 15M FWD at Concord CityPlace 416-813-0999 • • 13F Quartz at Concord CityPlace 416-813-2999 • • 15M Spectra at Concord CityPlace 416-813-0999 • • 15N Grand Parade 2 at Concord CityPlace 416-813-0999 • 15M Parade TWO Park Collection at Concord CityPlace 416-813-0999 • from $308,000 15M 383 Sorauren 383sorauren.com from $265,000 9M 383 Sorauren 416-588-0383 from $265,000 9L Garrison at the Yards 416-260-2600 • from $190,000 14N West Lake 416-260-2600 • from $240,000 14N Newton at Concord CityPlace 416-813-0999 • 12F NXT2/Phase Two 416-977-5300 • • from $210,000 5F NXT at Windermere By the Lake 416-977-5300 • • from $350,000 5F The Parkside Collection 416-351-1844 • from $700,000 8L NXT 2 416-977-5300 • • from $300,000 8N VU 416-970-9500 • • from $370,000 16L Riverside in Pine Grove 416-746-1234 3F The HUB 416-784-3482 • from $250,000 9F Sherwood at Huntington 416-485-1900 • from $1000,000 18G The High Park 416-670-3699 • from $300,000 8L Trinity Lofts 416-690-2988 • from $330,000 19L Liberty Place 416-537-0047 • • from $170,000 12N 101 Erskine 416-480-0700 • from $286,000 14D 155 REDPATH 416-996-5428 • from $210,000 14D River City 416-862-0505 • • from $250,000 18L River City 2 416-862-0505 • • from $500,000 18L The Glen 416-694-3333 • from $255,000 23H King Blue Condos 416-599-1355 • from $215,000 12N

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

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Need to update existing information? Please fax the details to (416) 789-9554

Builder

*TH: Townhomes, C: Condo

Site

Telephone

TH* C*

Price Range

Page

Finder

Ten York 416-596-9888 • from $1020,000 12F Axiom Condominiums 647-352-4077 • from $225,000 17L Spadina Queen 416-661-1949 • from $350,000 15D One Yorkville 416-519-2911 • from $475,000 15I Water Tower at Eau Du Soleil 416-503-3328 • from $350,000 25B Eau Du Soleil Waterfront Condominiums 416-503-3328 • from $350,000 25B Success Tower at Pinnacle Centre 416-360-0673 • from $750,000 17M 33 Bay Residences at Pinnacle Centre 416-925-3325 • from $375,000 17M Totem Condominium 416-792-1877 • from $320,000 15H The Madison 416-482-8090 • from $420,000 14E Riverside Towns 416-368-5262 • from $460,000 19L Fuse Condos 416-534-4444 from $220,000 9K Lofts 399 416-867-3999 • from $590,000 14L Dundas Square Gardens 416-645-8575 • from $200,000 17K Brocton Commons greatgulf.com/brocton • from $370,000 11L Garrison Point garrisonpoint.ca • from $250,000 13N The Barrington Condominiums Flats 416-410-4444 • from $350,000 12H Howard Park 2 416-873-0989 • 9L The Upper House Condos in Leaside 416-425-1800 from $350,000 18D Alter 416-645-4599 • from $250,000 16J Palatial Collection 416-925-3325 • from $800,000 16M Milan 416-928-7409 • from $520,000 15I The PJ pinnacleinternational.ca • from $300,000 15L Yorkville Park mintoyorkvillepark.com • • from $420,000 14J Teahouse 416-861-1111 • from $200,000 16K Aqualina at Bayside 416-514-2710 • from $350,000 18N Aquavista at Bayside Toronto 416-514-2710 • from $1000,000 18N 11 Wellesley 416-861-1111 • from $250,000 15J The 500 Condos + Lofts 416-960-0606 • from $400,000 17I King West 416-367-5464 • from $210,000 14M 775 King West 416-367-5464 • from $330,000 14M Riverside Square 416-466-4466 • from $200,000 19L 3018 Yonge In Lawrence Park 416-787-8882 • $390,000 14B B Streets 416-532-6636 from $635,000 13J Liberty Central by the Lake 416-537-0047 • 11F The Uptown Residences 416-987-3500 • from $950,000 16J The Selby theselbycondos.com • 16J The Brant Park 416-368-5262 • from $262,000 14M Foundry Lofts 416-531-7760 from $399,000 9I The Brownstones 5 416-531-7760 • from $350,000 9I Brownstones 416-531-7760 • from $305,000 9I Design Haus mydesignhaus.ca • from $250,000 14K The Upper Canada Condominium 416-489-5194 • from $1800,000 14G The Upper Canada Condominiums 416-489-5194 • from $1.8,000 14G 2221 Yonge 647-350-2221 • from $320,000 14D East Condos & Lofts 416-368-5262 • from $310,000 16M Schoolhouse 416-979-1333 • from $595,000 13I Flatiron Lofts 416-368-5262 from $243,000 20J 300 Front Street West 416-217-0300 • from $324,000 15M Atmosphere 416-217-0300 • from $1200,000 15M One Eleven Condominiums & Lofts 647-347-4111 • from $250,000 13M One Eleven Condominiums & Lofts 647-347-4111 • from $250,000 13M One Eleven Condominiums & Lofts 647-347-4111 • from $250,000 13M Pier 27 Waterlink 416-367-3456 • from $800,000 17N Gooderham Condos at The Distillery 416-361-1322 • from $390,000 18L The King East 416-368-5262 • from $435,000 18L King West 647-341-1731 • from $346,000 13N Four Seasons Private Residences Toronto 416-775-7500 • from $1900,000 15I Four Seasons Private Residences Toronto 416-775-7500 • from $1900,000 15I Seventy Seven Charles Yorkville 416-203-7034 • from $2100,000 14J Market Wharf 416-861-8181 • from $260,000 17M Library District Condominiums 416-861-8181 • from $222,000 17M Brownstones in Davenport Village 416-531-7760 from $245,000 9J Brownstones on the Park 416-531-7760 • from $260,000 9J Charlie 416-927-9772 • from $960,000 14M Ivory On Adelaide 647-341-1731 • from $279,000 17L Exhibit 416-967-7778 • 14I Exhibit 416-967-7778 • 14I Exhibit 416-967-7778 • 14I U Condominiums 416-546-6605 • from $750,000 15K The Urban Townhome Collection 416-546-6605 • from $1899,000 15K One Park West 416-955-0559 • from $406,000 18J One Park Place Condominiums 416-955-0559 • from $200,000 18J Festival Tower 416-203-2020 • from $350,000 M14 The Pinnacle on Adelaide 416-596-1600 • from $350,000 15M X2 416-927-0080 • from $500,000 16J X2 416-927-0080 • from $303,000 16J Bisha Hotel & Residences 416-637-2211 • from $274,000 16M 88 Scott 416-216-8588 • 17M Art Condos 416-535-7775 • from $530,000 12N Two Old Mill 416-645-7022 • from $356,000 5L Old Mill 416-645-7022 • from $450,000 5L RCM I on University 647-351-9247 • from $393,000 14M Queen & Portland 416-363-4800 • from $315,000 15I 5 St. Joseph 416-928-0555 • • from $250,000 16J 5 St. Joseph 416-928-0555 • • from $250,000 16J Post House Condominium 416-964-2777 • from $350,000 16L 12 Degrees 416-408-1200 • from $350,000 15L The Berwick 416-922-9425 from $280,000 14E The Mercer 416-597-6940 • from $350,000 15M Imperial Plaza 416-925-2501 • from $986,000 15I Yorkville Plaza 416-966-3003 • 15I Yorkville Plaza II 416-966-3003 • 15I Backstage on the Esplanade 416-777-2533 17M Backstage on the Esplanade 416-777-2533 17M Vero 416-798-7070 from $250,000 17M Tableau Condominiums 416-591-8887 • • from $450,000 15L Tableau Condominiums 416-591-8887 • • from $350,000 15L Tableau Condominiums 416-591-8887 • • from $350,000 15L Carmelina 416-423-8500 • from $325,000 23J The Yorkville Condominiums 416-987-3344 • • from $550,000 15G The Bond Condominiums 416-546-7525 • • 15G L Tower 416-777-2533 • from $410,000 17L thirtytwo Camden 416-860-0060 • from $240,000 14L 8 Gladstone 416-690-9009 • from $335,000 M12 133 Hazelton Residence 416-926-9900 • 14I 210 Simcoe 416-217-0210 • from $420,000 15M Five Condos 416-928-0555 • • from $375,000 15J Five Condos 416-928-0555 • • from $375,000 15J Rise 416-546-7399 • • from $290,000 12H Model Suite of the Month • 12H Neon 416-987-7878 • from $470,000 14D The Carlaw 416-690-8588 • from $200,000 19K Allure Condominiums 416-487-7600 • from $350,000 14F Cinema Tower Condominiums 416-203-2020 • from $450,000 14M FAD Condos 416-815-1818 • from $250,000 14M INDX 416-987-4639 • 16M INDX 416-987-4639 • 16M The Carnaby 416-690-9009 • from $250,000 12M Noir 416-977-8780 • from $250,000 15M 90 Niagara 416-981-0036 from $347,000 14O SIXTY Colborne 416-601-0060 • from $300,000 16L SIXTY Colborne 416-598-7775 • from $300,000 16L Upper Beach Townes 416-693-7500 • from $390,000 24G The Massey Tower 416-966-0197 • • from $320,000 16L 109OZ 416-531-4844 • from $300,000 12M The Sterling 416-777-2533 • • from $230,000 9L Canary District Condominiums 416-603-7576 • from $250,000 18L Canary Park Condominiums 416-603-7576 • from $250,000 18L Wallace Walk 416-531-1818 • from $210,000 9L TEN93 Queen West 416-546-6355 • from $280,000 12F TEN93 Queen West 905-326-4100 • from $280,000 12F Smart House 416-292-0219 • from $438,000 15L Smart House 416-292-0219 • from $438,000 15L Duke Condos junctionlife.ca 8K King Charlotte 416-368-5262 • from $416,000 15M Theatre Park 416-368-5262 • from $537,000 16M FWD at Concord CityPlace 416-813-0999 • • 15M

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

torontoregionalmaps: Toronto, East York, York

#

22 TRIDEL CORPORATION 24 GREENPARK HOMES 25 TRIDEL CORPORATION 26 BAZIS INC. 28 EMPIRE COMMUNITIES 28 EMPIRE COMMUNITIES 29 PINNACLE INTERNATIONAL 29 PINNACLE INTERNATIONAL 31 WORSLEY URBAN PARTNERS 32 MADISON HOMES 33 LAMB DEVELOPMENT CORP. 36 NEUDORFER CORPORATION 37 CRESFORD DEVELOPMENT CORP. 38 EASTON’S GROUP 39 GREAT GULF 40 FERNBROOK HOMES/CITYZEN DEV. 41 LASH GROUP OF COMPANIES 42 TRIUMPH DEVELOPMENTS 43 K-CAP LAIRD INC. 44 TRIDEL CORPORATION 45 PINNACLE INTERNATIONAL 46 CONSERVATORY GROUP 47 PINNACLE INTERNATIONAL 48 MINTO COMMUNITIES INC. 49 LANTERRA DEVELOPMENTS 51 TRIDEL CORPORATION 51 TRIDEL CORPORATION 53 LANTERRA DEVELOPMENTS 54 TIMES DEVELOPMENTS INC. 55 MINTOURBAN COMMUNITIES INC. 55 MINTOURBAN COMMUNITIES INC. 56 STREETCAR DEVELOPMENT 57 LANTERRA DEVELOPMENTS 59 LINDVEST 60 CANALFA GROUP 62 PEMBERTON GROUP 63 FERNBROOK HOMES/CITYZEN DEV. 64 LAMB DEVELOPMENT CORP. 66 E-PARK DEVELOPMENT 66 EMSATEC CANADA INC 66 NEUDORFER CORPORATION 69 SHIU PONG DEVELOPMENT LTD. 70 MADISON HOMES 70 STATE BUILDING GROUP 71 TOWER HILL DEVELOPMENT CORPORATION 72 HARHAY DEVELOPMENTS 78 EMPIRE COMMUNITIES 81 LAMB DEVELOPMENT CORP. 83 TRIDEL CORPORATION 84 TRIDEL CORPORATION 85 HARHAY DEVELOPMENTS 85 CARTTERA 85 CARTTERA 88 FERNBROOK HOMES/CITYZEN DEV. 94 DHD DEVELOPMENTS 101 LAMB DEVELOPMENT CORP. 102 PLAZA 103 MENKES DEVELOPMENTS INC. 103 LIFETIME DEVELOPMENTS 104 ASPEN RIDGE HOMES 106 CONTEXT DEVELOPMENT INC. 106 CONTEXT DEVELOPMENT INC. 109 THE BROWNSTONE GROUP OF COMPANIES 109 THE BROWNSTONE GROUP OF COMPANIES 110 GREAT GULF 114 PLAZA 117 BAZIS INC. 117 METROPIA 117 PLAZA 118 PEMBERTON GROUP 118 PEMBERTON GROUP 120 THE DANIELS CORPORATION 120 THE DANIELS CORPORATION 122 THE DANIELS CORPORATION 124 PINNACLE INTERNATIONAL 126 GREAT GULF 126 LIFETIME DEVELOPMENTS 128 LIFETIME DEVELOPMENTS 129 CONCERT PROPERTIES 130 TRIANGLE WEST DEVELOPMENT 131 TRIDEL CORPORATION 131 TRIDEL CORPORATION 133 TRIBUTE COMMUNITIES 134 TRIBUTE COMMUNITIES 135 GRAYWOOD DEVELOPMENTS 135 MOD DEVELOPMENTS INC. 137 ALTERRA HOMES/FINER SPACE 141 BSAR LTD 142 ANDRIN HOMES 148 GRAYWOOD/BEAVERHALL DEVELOPMENT 149 CAMROST - FELCORP 149 CAMROST - FELCORP 149 CAMROST - FELCORP 151 CITYZEN 151 FERNBROOK HOMES 151 FERNBROOK HOMES 153 URBAN CAPITAL 153 MALIBU INVESTMENTS INC. 153 ALIT DEVELOPMENTS 154 TRE MEMOVIA DEVELOPMENTS 155 LIFETIME DEVELOPMENTS 155 LIFETIME DEVELOPMENTS 157 CASTLEPOINT/CITYZEN/FERNBROOK 165 SORBARA GROUP 170 STREETCAR DEVELOPMENT 173 MIZRAHI | KHALILI DEVELOPMENTS 175 SORBARA GROUP 179 GRAYWOOD DEVELOPMENTS 179 MOD DEVELOPMENTS INC. 184 RESERVE PROPERTIES 184 RESERVE PROPERTIES 185 PEMBERTON GROUP 186 STREETCAR DEVELOPMENT 188 GREENPARK HOMES 189 THE DANIELS CORPORATION 191 TRI-WIN DEVELOPMENTS INC 195 LIFETIME DEVELOPMENTS 195 CENTRE COURT DEVELOPMENT 197 STREETCAR DEVELOPMENT 198 MENKES DEVELOPMENTS INC. 199 FIELDGATE HOMES 200 FREED 200 CARTTERA 201 SOLOTEX 206 MOD DEVELOPMENTS INC. 207 RESERVE PROPERTIES 210 CASTLEPOINT/NUMA 215 DUNDEE KILMER DEVELOPMENTS 215 DUNDEE KILMER DEVELOPMENTS 217 TORBEL GROUP 217 PEMBERTON GROUP 217 BAYWOOD HOMES 218 MALIBU INVESTMENTS INC. 218 URBAN CAPITAL 219 TAS DESIGNBUILD 220 LAMB DEVELOPMENT CORP. 221 LAMB DEVELOPMENT CORP. 223 CONCORD ADEX

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

91

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

A

101

Steeles Ave

121

12

99

33

B

North York C 5

9

14

400

21 22 23 24 25 26

37

124

40 8 2 50 10 4

7

15 128 17

D

11

401

1 96

6

28

123

401

E 3

21

25 122

F

130

125

G

132

95

H

torontoregionalmaps: North York

* Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

92

#

Builder

6 12 15 17 40 50 96 121 122 123 1 2 3 3 4 4 5 6 6 6 6 7 8 9 10 10 10 11 14 21 25 25 28 33 37 50 95 96 96 96 101 122 122 124 125 128 128 130 132

CONCORD ADEX GHODS BUILDERS INC. PHANTOM DEVELOPMENTS CHESTNUT HILL DEVELOPMENT MENKES DEVELOPMENTS INC. MINTOURBAN COMMUNITIES INC. ELAD CANADA LIBERTY DEVELOPMENT CORP. LANTERRA DEVELOPMENTS BRANDY LANE HOMES CONCORD ADEX TORBEL GROUP YYZED PROJECT MANAGEMENT TIFFANY PARK HOMES TRIDEL CORPORATION TRIDEL CORPORATION LINDVEST CONCORD ADEX CONCORD ADEX CONCORD ADEX CONCORD ADEX FRAM BUILDING GROUP CONSERVATORY GROUP SORBARA GROUP BAZIS INC. METROPIA PLAZA CASTLE GROUP TORBEL GROUP TRIDEL CORPORATION CONTEXT DEVELOPMENT INC. METROPIA TRIDEL CORPORATION CASTLE ROYALE DEVELOPMENT NORSTAR GROUP OF COMPANIES DEVRON DEVELOPMENTS ASPEN RIDGE HOMES ELAD CANADA ELAD CANADA ELAD CANADA KANTIUM DEVELOPMENT LANTERRA DEVELOPMENTS LANTERRA DEVELOPMENTS TRIDEL CORPORATION FRAM BUILDING GROUP THE DANIELS CORPORATION THE DANIELS CORPORATION TRIBUTE COMMUNITIES FRAM BUILDING GROUP/CADILLAC FAIRVIEW

*TH: Townhomes, C: Condo

Site

Telephone

TH* C*

Price Range

Page

Finder

Omega on the park 416-813-2999 • • 30-31 22C 5959 Yonge Street 416-222-5959 • from $289,000 59 18A Tea Garden Condos teagardencondos.com • from $250,000 79 19C Lotus Condominiums 416-222-8338 • from $299,000 26 19C Gibson Square 416-730-9722 • from $836,000 Insert 17C 88 416-915-3805 • from $330,000 43 18C The Colours of Emerald City coloursofemeraldcity.com • from $250,000 57 24C World on Yonge 905-771-7010 • from $284,000 37 18A Treviso Condominiums 416-787-8882 • from $203,000 11 12F The Station 416-398-9777 • from $230,000 63 12D Opus 416-813-2999 • • 22C The Avanti Condominiums 416-636-0400 from $390,000 17C VISTO vistocondos.ca from $220,000 8E Westhaven 416-792-6655 • from $633,000 23G Hullmark Centre 416-733-2883 • from $524,000 18D Aristo at Avonshire 416-730-0300 • from $383,000 18D The Brownstones at Westown lindvest.com from $330,000 4C Tango at Concord Park Place 416-813-2999 • • from $236,000 22C Discovery at Concord Park Place 416-813-2999 • 22C Discovery II at Concord Park Place 416-813-2999 • • from $210,000 22C Tango2 at Concord Park Place 416-813-2999 • from $265,000 22C SOUL mysoulcondos.ca from $250,000 25C Pearl 2 Condominiums 416-512-1818 • 17C Beacon beaconcondos.ca • from $290,000 17C Emerald Park 416-221-8802 • from $188,000 17C Emerald Park 416-221-8802 • from $188,000 17C Emerald Park 416-221-8802 • from $188,000 17C Insignia Residences at Bayview Village 416-304-1212 from $350,000 20C Diva Condo DivaCondo.com from $225,000 11C Argento 416-663-1818 • from $562,000 22E The Yorkdale Condominiums 416-781-9990 • from $170,000 12E The Yorkdale Condominiums 416-781-9990 • from $170,000 12E Alto at Atria 416-645-8866 • from $288,000 25D The Palm Condominium Residences 416-306-1000 • from $400,000 17B Portrait Condominiums 416-282-9600 • from $300,000 13C Flo Condominiums 647-799-0356 • from $250,000 18C Scenic on Eglinton 416-805-1781 • 23G Emerald City Condominiums 416-492-0001 • from $250,000 24C Dreamtower At Emerald City 416-492-0001 • from $248,000 24C Biyu Emerald City biyucondos.com • from $250,000 24C Posh Condominiums 905-771-0134 • from $544,000 16A Treviso II 416-787-8882 • from $250,000 12F Treviso III 416-787-8882 • from $250,000 12F Trio at Atria 416-645-8866 from $255,000 24C LIV Lofts 416-445-5638 • from $250,000 22F NY Place 416-221-3939 • from $250,000 19C NY2 416-221-3939 from $250,000 19C Canterbury 647-352-2130 • • from $700,000 19F Flaire Condos 416-445-8868 • from $320,000 22F

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

44

34 Bloor St W

Dundas St W

35 Queensway

22

46

Av e

* Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

70

11 56 4 39 37 6 33 19 24 17 18

Gardiner Expressway Evans Ave 2

Horner Ave

H

50 8 5 51

Park Lawn

QEW

16

Royal York Rd

Scarborough

9

*TH: Townhomes, C: Condo

d

Rathburn Rd

21

d

Da nf or th

40

Dixon Rd

ett R Scarl

ve nA

7

65

25

Lakeshore Blvd W

Site Telephone TH* C* Price Range Page Finder Islington Terrace 416-645-8862 • from $250,000 BC 23F The KIP District thekipdistrict.com • from $249,000 71 22F Lago 416-495-3544 • from $200,000 Insert 25C Humber Mews 416-259-2525 • from $550,000 Insert 20H Harmony Village 416-493-0123 • 86 2C Eleven Superior 416-259-8882 • from $300,000 Insert 24H Terrace on Danforth 416-987-7575 • from $253,000 37 2G Waterscapes 416-495-3544 • from $400,000 Insert 26H Vivid Condos 416-239-8200 • from $250,000 9 23F Connexion at Islington northstarhomesinc.com • from $250,000 87 23F Avani At Metrogate 416-293-5535 • from $240,000 IFC 4C Imagine Condos 416-367-7303 from $235,000 4F On The Go Mimico 647-692-8417 • from $250,000 23H On The Go 647-692-8417 • from $250,000 23H The Academy academycondos.com • from $220,000 10D The Academy academycondos.com • from $220,000 10D Nautilus at Waterview 416-203-6636 • from $400,000 25H The Epicurean 416-495-3530 • from $250,000 24F Altitude 416-321-1659 • from $230,000 25H One Sherway Condominiums 416-695-3535 • from $280,000 20G One Sherway Condominiums 416-695-3535 • 20G Hunt Club Terrace 416-698-3020 • 2H Cloud 9 Condominiums 416-747-0199 • from $230,000 22B Cloud 9 Condominiums 416-800-0812 • from $230,000 22B ilofts at Mystic Pointe 416-251-8888 • from $310,000 25G California Condos 416-251-8888 • from $242,000 25G Richview 416-746-1234 • from $570,000 23D Jasmine Condominiums 416-702-1234 • from $250,000 2C Residences at The Hunt Club 416-699-1711 • from $300,000 2G Three Seven Condos & Lofts esquirehomes.ca • from $210,000 12D Key West Condominium keywesttorontocondo.com from $320,000 25H Royal York Urban Towns 416-901-0206 • from $220,000 24H Centro 416-296-1898 • from $185,000 5D Dwell City Towns 416-259-2525 • from $390,000 20F Watermark 416-354-2221 • from $350,000 23H Encore 416-495-3544 • 6D Beyond The Sea Star Tower Condominiums 416-979-1333 • • from $400,000 24H Triumph at Valhalla 416-233-5554 • from $250,000 21F Parc Nuvo at Essex 416-231-0999 • from $456,000 22G South Beach 416-252-3000 from $209,000 25H West Village 416-620-1887 • from $290,000 20F Park Towers at IQ 416-253-5838 • from $170,000 23G Westwood Condominiums 416-239-9888 • from $250,000 23F Avani 2 At Metrogate 416-293-5535 • from $220,000 4C Jade Condominiums 416-762-8818 • from $293,000 25G Nature’s Path 416-745-6686 • • from $270,000 11E 2150 Condos 416-750-2150 • 3E Haven On The Bluffs 416-2611-9555 • from $160,000 3E Lexington 416-638-8444 • from $240,000 21C South Shore 416-913-2136 • from $350,000 22H Qube Condos 647-351-7823 • from $200,000 24G Me Condos 416-430-0003 • from $250,000 8D

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

torontoregionalmaps: Scarborough, Etobicoke

Builder TRIDEL CORPORATION CONCERT PROPERTIES MONARCH CORPORATION MENKES DEVELOPMENTS INC. CITYCORE DAVIES SMITH LIBERTY DEVELOPMENT CORP. MONARCH CORPORATION PEMBERTON GROUP NORTH STAR HOMES TRIDEL CORPORATION INSOHO DEVELOPMENTS STANTON RENAISSANCE STANTON RENAISSANCE DEVRON DEVELOPMENTS LEMINE INVESTMENT GROUP MONARCH CORPORATION MONARCH CORPORATION CONSERVATORY GROUP GREAT GULF MENKES DEVELOPMENTS INC. WILKINSON DEVELOPMENTS LASH GROUP OF COMPANIES CARTTERA CAMROST - FELCORP CAMROST - FELCORP NATIONAL HOMES AVERTON HOMES INFINITY DEVELOPMENTS ESQUIRE HOMES TIMES GROUP CORP. ICON HOMES HENDERSON DEVELOPMENT LIMITED MENKES DEVELOPMENTS INC. QUEENSCORP RESIDENCES MONARCH CORPORATION EMPIRE COMMUNITIES EDILCAN DEVELOPMENT CORP. TRIDEL CORPORATION AMEXON DEVELOPMENT CORPORATION TRIDEL CORPORATION REMINGTON GROUP ALTERRA HOMES/FINER SPACE TRIDEL CORPORATION PHANTOM DEVELOPMENTS YOUR HOME DEVELOPMENTS VHL DEVELOPMENTS LTD. VHL DEVELOPMENTS LTD. ROYALE GRAND WOODBINE DEVELOPMENTS MINTOURBAN COMMUNITIES INC. FIRST AVENUE PROPERTIES LASH GROUP OF COMPANIES

Islington Ave

vd

12 Etobicoke

409

14

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21 22 23 24 25 26

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

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* Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

94

#

Builder

1

MENKES DEVELOPMENTS INC.

Site

Telephone

TH* C*

Price Range

•

from $350,000

Page

Finder

Harbour plaza

416-591-7700

12 STREETCAR

The Southwood

416-750-7506

• from $300,000

39

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RC3

416-862-0505

• from $220,000

41

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Monde

416-466-8885

25

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Liberty Central by the Lake Two

416-537-0047 • from $250,000

2

CONCORD ADEX

FWD at Concord CityPlace

416-813-0999

• •

13F

3

CONCORD ADEX

Quartz at Concord CityPlace

416-813-0999

• •

12F

3

CONCORD ADEX

ParadeTWO Park Collection at Concord CityPlace

416-813-0999

• from $308,000 15M

4

MONARCH CORPORATION

Nautilus at Waterview -

416-203-6636

• from $400,000

25H

4

TRIDEL CORPORATION

Aqualina at Bayside Toronto

416-514-2710

•

16E

4

TRIDEL CORPORATION

AquaVista at Bayside Toronto

416-514-2710 • from $1,000,000 16E

5

CRESFORD DEVELOPMENT CORP.

NXT at Windermere By The Lake

416-977-5300

• • from $350,000

11F

5

CRESFORD DEVELOPMENT CORP.

NXT2/Phase Two

416-977-5300

• • from $210,000

4E

8

CONCORD ADEX

Spectra at Concord CityPlace

416-813-0999

• •

14F

10 GREAT GULF

Twenty Lombard

416-499-8883

• from $492,000

11 CAMROST FELCORP

California Condominiums

sunsetcondos.ca

• from $242,000 25G

18 URBAN CAPITAL

River City 2

416-862-0505

• from $276,000

29 PINNACLE INTERNATIONAL

33 Bay Residences at Pinnacle Centre

416-925-3325 • from $375,000 15F

60 CANALFA GROUP

Liberty Central by the Lake

416-537-0047

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

• • from $320,000

Insert

14F

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Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to 416-789-9554

Price Range

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416-259-8882 • from $300,000 48

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416-495-3544 • from $400,000

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1

WINDCATCHER DEVELOPMENT CORP.

Atwater Condos

905-271-5038 • from $280,000 12C

2

STANTON RENAISSANCE

On The Go

647-692-8417 • from $250,000 23C

4

DUNSIRE DEVELOPMENTS

Anchors at Lakeview

905-990-1745 • from $420,000 13B

8

CHESTNUT HILL DEVELOPMENT

San Francisco By The Bay

905-831-3631

25 QUEENSCORP RESIDENCES

Watermark

416-354-2221

• from $350,000

19D

28 EMPIRE COMMUNITIES

Eau Du Soleil - Waterfront Condominiums

416-503-3328 • from $320,000

25B

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

Park Rd S

Up

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Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to 416-789-9554

waterfrontmaps: GTA

INSERT 24C

• • from $180,000

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95

CONDO WATCH

9 5 Builders: If you would like to include your preview registration, new release or site opening in this feature, just email the details to Lydia.McNutt@wall2wallmedia.com

new releases & grand openings

previews & registrations

THE CRAFTSMAN CONDOMINIUM

By Vandyk

SENSES CONDOMINIUMS

By Empire Communities

Grand opening of new sales centre and model suite. Check out these artisan-inspired condo residences, coming to Clarkson Village Web: CraftsmanCondo.com

Senses is the latest release of the second tower at Empire’s successful Rain community at the bustling intersection of Speers Road and Kerr Street in Oakville. Register now.

Web: SensesCondos.com

URBAN TOWNDOMINIUMS

By Rosehaven Homes Grand opening Feb. 28. Be the first to see these sensational homes at Mississauga Rd. and Sandalwood Pkwy.

Web: RosehavenUrban.com

PINNACLE GRAND PARK 2

By Pinnacle International Brand new suites are now on sale at Pinnacle Grand Park 2, the newest addition to Mississauga’s skyline.

Web: PinnacleGrandPark.ca

LEGACY PARK

By Liberty Development Corp.

Introducing Oakvillage, a master-planned townhome community coming to Dundas St. E. and Trafalgar Rd. Register now.

Web: Oakvillage.ca

THE SORRENTO

By Armour Heights Developments Register now for this four-storey condominium offering European-style living in Richmond Hill.

Web: TheSorrento.ca

THE MET CONDOS

By Plaza

Live in Thornhill’s most connected community at Bathurst and Centre Street.

Web: LegacyParkCondos.com

The Met takes comfort and luxury to a whole new dimension.

Web: TheMetCondos.com

HOT CONDOMINIUM

By Great Gulf

CRYSTAL

By Pinnacle International

Phase 3 final release of this stylish boutique condominium is now on sale at Winston Churchill and Eglinton.

Web: GreatGulf.com

PACE ON MAIN

By Geranium Homes Luxury suites are coming soon to Stouffville’s boutique condominium address.

Web: GeraniumHomes.com

96 NEW CONDO GUIDE MARCH 14 - 28, 2015

OAKVILLAGE

By Minto, Branthaven and Emshih

Register now for all the latest information on this master-planned community in Mississauga.

Web: PinnacleUptown.ca

THE BERKELEY

By Carriage Gate Homes A hotel-inspired condominium is coming to Caroline Street and Elizabeth Street in Burlington.

Web: TheBerkeleyCondo.com

GTA Edition Mar 14 - 28, 2015

Your complete source for condos, lofts and townhomes in the GTA

IN THIS SECTION Maps and listings for new condo communities in the 905 region Builder news and the latest in condos in the 905 MARCH 14 - 28, 2015 NEW CONDO GUIDE 97

IN THE NEWS

The Craftsman’s new sales centre sets success trend for Toronto condominiums

T

he grand opening of The Craftsman Condominium Residences’ new sales centre and model suite, being developed by Vandyk group of companies, has been met with overwhelming success. With hundreds of people in attendance, the project is close to 50 per cent sold.

“The response of our guests was extremely positive when they saw what The Craftsman had to offer,” says Linda Mitchell Young, vice-president of sales and marketing at Vandyk group of companies. “Our new sales centre and model suite are now open as we continue to celebrate our grand opening.”

Attendees were able to experience the new “Clarkson” model suite at the grand opening event. The twobedroom, 1,097-sq.-ft. suite showcases standard features, including nine-ft. ceilings, engineered hardwood floors throughout, quartz kitchen and bathroom countertops, and a spacious 295-sq.-ft. wrap-around balcony, to name a few. The model suite also features classic elegant decor, designed by award-winning firm UNION31.

The success of the event is without a doubt due to the unique nature of this residential development. Inspired by the architectural artistry of the legendary Frank Lloyd Wright, this four-storey collection of just 299 residences is perfectly situated amongst the mature neighbourhood that is Clarkson Village and designed to reflect its surrounding natural environment.

The Craftsman features a stunning three-storey high foyer, extensive landscaping with interior courtyards and a waterfall feature, all set amidst the mature trees of Birchwood Park. The boutique style of the condominium supplies a socially engaged neighbourhood feel within its environment.

98 NEW CONDO GUIDE MARCH 14 - 28, 2015

Suite layouts at The Craftsman are extremely spacious and have a natural and livable flow, with zero wasted space to maximize efficiency in everyday living. Many kitchens feature islands and custom-crafted flat-panel cabinetry in a combination of warm wood veneers and high-gloss lacquer, and a stacked glass-tile backsplash, supplying a sleek, streamlined and modern appearance.

There is a notable European feel to bathrooms with oversized porcelain floor tiles, acrylic bathtubs with full-height oversized porcelain tile surrounds, frameless glass shower doors and distinctive vanities.

The Craftsman also features a full range of amenities, designed to promote ‘The Art of Living.’ A fitness and yoga studio encourage a healthy and active lifestyle indoors, while the nearby parks and walking trails, such as Rattray Marsh, are ideal options for those who enjoy spending time outdoors. The Craftsman also offers convenient social spots, such as The Clarkson Club and the stunning rooftop terrace, where residents can entertain in style.

Despite the outstanding response to the opening weekend, there is still an attractive selection of units available, with prices starting from the low $300’s.

To learn more about the unique and beautiful Craftsman Condominium Residences, visit the model suite at the new sales centre, located at 1601 Lakeshore Rd. W. in Mississauga. Hours are Monday through Thursday from noon to 6 p.m.; and Friday to Sunday from noon to 5 p.m. For further information, visit craftsmancondo.com.

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As construction As construction nears nears completion completion on these on these incredible incredible twin twin towers, towers, now’s now’s As construction nears completion on these incredible twin towers, now’s the the perfect perfect time time tonears make tocompletion make Crystal Crystal at Pinnacle at Pinnacle Uptown Uptown your your new new home! home!

As As construction construction nears completion on on these these incredible incredible twin twin towers, towers, now’s now’s the perfect time to the make Crystal at Pinnacle Uptown your new home!

This This spring, spring, be among be among the first first to take to take ownership ownership in this in this spectacular spectacular newnew the the perfect perfect time time to to make make Crystal Crystal at Pinnacle at Pinnacle Uptown Uptown your your new new home! home!

This spring, be among the first tocommunity take ownership in this spectacular new 36-acre 36-acre master-planned community in Uptown in Uptown Mississauga!

This This spring, spring, bemaster-planned be among among thethe first first to to take take ownership ownership in this inMississauga! this spectacular spectacular new new 36-acre master-planned community in Uptown Mississauga!

36-acre 36-acre master-planned master-planned community community in Uptown in Uptown Mississauga!

Mississauga!

PINNACLEINTERNATIONAL.CA PINNACLEINTERNATIONAL.CA PINNACLEINTERNATIONAL.CA TORONTO TORONTO . MISSISSAUGA . MISSISSAUGA . VANCOUVER . VANCOUVER . .

PINNACLEINTERNATIONAL.CA PINNACLEINTERNATIONAL.CA TORONTO . MISSISSAUGA . VANCOUVER .

BrokersBrokers Protected.

Protected.

Rendering Rendering is artist’s is concept. artist’s concept.

Prices and Prices specifications and specifications are subject are subject to to change without without notice.

E.&O.E. notice.

E.&O.E. Brokers Protected.

Rendering artist’s concept.

TORONTO TORONTO . change MISSISSAUGA . MISSISSAUGA . isVANCOUVER . VANCOUVER . Prices . and specifications are subject to change without notice.

E.&O.E. Brokers Brokers Protected.

Protected.

Rendering Rendering is artist’s is artist’s concept. concept.

PricesPrices and specifications and specifications are subject are subject to change to change without without notice.notice.

E.&O.E. E.&O.E.

Suites Suites from from the the $200s $200s Suites from the $200s Penthouses Penthouses from from the the $600s $600s Suites Suites from from the the $200s $200s Penthouses from the $600s 905.568.9000 905.568.9000 Penthouses Penthouses from from thethe $600s $600s

905.568.9000 PINNACLEUPTOWN.COM PINNACLEUPTOWN.COM 905.568.9000 905.568.9000 PINNACLEUPTOWN.COM PINNACLEUPTOWN.COM PINNACLEUPTOWN.COM

HOMEBUYERS’ HELP

How to research your new home purchase

B

uying a newly built home from a builder is different than purchasing a resale home. Your attention should be placed not only on the home itself, but also on the reputation of the builder.

All builders in Ontario must be registered with Tarion Warranty Corp. and all new homes in Ontario come with a warranty that lasts seven years from the date of the first possession. That warranty is guaranteed by Tarion. The warranty ensures homeowners receive homes that are constructed in a workmanlike manner, free from defects and constructed in accordance with the Ontario Building Code.

There are many reputable builders in Ontario that will freely offer this information to any potential purchaser. A buyer should be suspicious of a builder who does not want to discuss the mandatory new home warranty.

The first step in your research should be to find out whether your builder is registered. This can be done by visiting tarion.com and clicking on “Ontario Builder Directory.” Every registered builder in Ontario is listed in this database. It shows a 10-year history that includes chargeable conciliations and the number and amounts of certain claims paid by Tarion.

A chargeable conciliation occurs if a builder and a homeowner disagree about whether an item is covered under the Ontario new home warranty program and, after an inspection by Tarion, the item is found to have been covered under the warranty. Claims refer to situations where the builder did not resolve a homeowner claim and Tarion 100 NEW CONDO GUIDE MARCH 14 - 28, 2015

stepped in to work directly with the homeowner, either by making repairs or providing a cash settlement. You may want to consider these numbers in comparison to the number of homes the builder has built over the years.

This number is listed in the database as “number of possessions.”

The directory also shows: if a builder has been a Tarion Award of Excellence finalist or winner in the past three years; a breakdown of the types of homes built over a 10-year span into freehold homes and condominium units; and lists the names of officers and directors for each company, providing links to companies that share the same officers and directors.

You will also find a list of builders who are no longer registered with Tarion. The directory will confirm whether a builder’s registration has expired or whether Tarion has revoked their registration or refused to renew it.

Once you’ve confirmed that your builder is registered and checked out their listing, the next step is to ask around. You may want to visit neighbourhoods where this builder has built homes and inquire about homeowners’ experiences. You can also ask for references. Speaking to other homeowners will give you a good indication of whether the builder stands behind his/her construction and is attentive to customers.

Finally, if you don’t find your builder listed in Tarion’s database, or if he or she gives you any reason not to offer the mandatory new home warranty, call Tarion at 1.877.9.TARION.

• FREE PARKING AND LOCKER • STANDARD UPGRADED LUXURY FINISHES INCLUDED • INDIVIDUAL SUITE CLIMATE CONTROL • ACCESS TO THE GRAND SPA

Don’t miss this rare chance for LUXURY LIVING AT AFFORDABLE PRICES in the heart of Richmond Hill Under construction with Fall 2015 occupancy OUR ON-SITE SALES CENTRE IS OPEN DAILY AT: 9612 Yonge Street 905.907.4370 www.grandpalace.ca

HILLCREST MALL

YONGE ST.

9612 Yonge Street

WELDRICK RD.

BAYVIEW AVE.

MAJOR MACKENZIE DR.

16TH AVE.

407

Prices & specifications subject to change without notice, E. & O. E.

MARCH 14 - 28, 2015 NEW CONDO GUIDE 101

CONDO PROFILE

LUXURY REIGNS in Richmond Hill

T

he lap of luxury, Grand Palace, is becoming a reality on Yonge Street in the heart of Richmond Hill. With two towers well under construction, excitement is growing as each new floor rises.

“At Grand Palace, our vision is to create an ambient lifestyle of enjoyment, serenity and convenience all while surrounded by beauty and luxury. It’s the perfect community to call ‘home,’” says Candice Gasparro, marketing manager. It’s instantly apparent when visiting the Grand Palace sales office that no small detail has been overlooked in the planning of this complex – the attention to detail and uncompromising standard of excellence is carried throughout the development.

The three partners, Stefano Guizzetti, Albert Gasparro and Jack Scivoletto, have paid meticulous consideration to details often overlooked. In fact, the partners are so committed to the Grand Palace that they 102 NEW CONDO GUIDE MARCH 14 - 28, 2015

have each purchased their own suites, as well as the staff at G Group, attesting to the quality of this beautiful development. The partners seek to exceed expectations with three elevators per tower, where only two were required. Their goal is to provide convenience to the residents by minimizing elevator wait time!

Each suite at Grand Palace features nine-ft. ceiling heights and is equipped with independent suite climate control – a useful feature that most buildings do not offer.

Each tower also has a guest suite and party room with an outdoor terrace. Residents at Grand Palace have the convenience of condominium living with the benefits of hosting special occasions and entertaining in a home.

The finishes of each suite are spectacular at Grand Palace, exuding a sense of regency. The standard finishes at Grand Palace are considered upgrades at other condominiums.

What really distinguishes the Grand Palace from its competition are the incredible exclusive amenities available to its residents. The Grand Spa is the first-ofits-kind freestanding amenities structure. Not only will The Grand Spa feature a full-service fitness centre, yoga room, outdoor tanning terrace, indoor swimming pool and saunas, but homeowners at Grand Palace will have access to a luxurious full service spa only steps from their door.

The jewel of Grand Palace is the Winter Garden.

Uniting the two towers located directly on Yonge Street, the Winter Garden is a year-round oasis. Here, residents can meet with family and friends under the alluring 27-ft. ceilings and enjoy the beauties of nature year round.

The Winter Garden will feature underground water streams, a beautiful fountain and boutique coffee shops on either side so residents will do more than just live at Grand Palace – they will relish every moment and aspect or life at this fantastic location.

At Grand Palace, residents can “Live Life Grand” at affordable prices. Construction is well underway with occupancy expected to begin in late 2015. Homeownership opportunities like this are rare. Never before has a condominium complex been so finely and luxuriantly featured, all nestled within the heart of Richmond Hill.

For more information, visit grandpalace.ca or call 905.907.4370.

MARCH 14 - 28, 2015 NEW CONDO GUIDE 103

WINTER/SPRING 2015 FREE

HOME&CONDO THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME

Trends in lowrise & highrise homes Your guide on where and what to buy

THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME 416.626.4889 104 NEW CONDO GUIDE MARCH 14 - 28, 2015

WHAT TO CONSIDER BEFORE GETTING YOUR FIRST MORTGAGE

+

Expert tips to

DECORATE YOUR FIRST HOME 1 YOUR S PFIRST E C I AHOME L E DWINTER I T I O N 2015

YFH 02-07-15_master.indd 1

15-02-03 7:10 PM

CONDO CULTURE

The wine cellar solution for condo dwellers

J

ust because you’re a small-space dweller doesn’t mean you can’t live luxuriously.

Wine cellars are generally one of those dreams that move out when you move into a compact home. While the big, climate-controlled room with tasting table and built-in racks may still be beyond the condo owner’s reach, there’s a great solution that lets you have your wine and drink it too, so to speak.

Wine cellars now come in a wide range of shapes and sizes, with an even broader array of features. From dualtemperate zones to countertop models, there are options for everyone – from wine beginners to wine aficionados.

Which is great news, as sommeliers world-wide would agree that storing wine in a cupboard is probably the worst thing you can do for wine. And unless you’re drinking your wine and replacing it regularly, those cute six-bottle holders that go on the wall are not your vintage’s best friend. There’s no light or climate control.

Indeed, top sommelier Anne Martin says that storing a wine in your fridge at too cool a temperature can dry out the cork, making the bottle more difficult to open. She adds that many of us are unknowingly guilty of drinking our white wines too cold, and our red wines too warm! A too-cold white wine doesn’t allow you to fully enjoy its range of flavours, while a too-warm red brings out too much of the alcohol notes, and not enough of the flavour.

Wines are best stored in a dark spot, free of direct UV rays and household lighting. Sunlight can cause wine to age too quickly and deteriorate. Plus, away from the light, those lovely labels won’t fade.

Then connoisseurs and oenophiles can just start collecting. No need to let your living situation dictate your enjoyment of finally opening up that award-winning vintage, or aging that special bottle to perfection!

A dedicated wine storage unit, such as the wine cellars offered by Canadian company Koolatron (koolatron.com), eliminates this stress and guesswork by offering a consistent, regulated temperature, free from ambient lighting. They also protect against environmental dangers such as vibration and strong odours. Starting at $159.99 for a six-bottle unit, proper wine storage and serving is affordable, and small enough for small space living.

Of course, the six-bottle cellar may be for the more occasional or novice collector. The serious collector will want to consider a larger unit – 45 or 68 bottles. The serious collector may consider the 165-bottle cellar, or combine several.

Wine cellars are no longer just for sprawling homes and sommeliers...

106 NEW CONDO GUIDE MARCH 14 - 28, 2015

With great controls, a unit such as this is self-contained. Sophisticated construction means they control the position and climate perfectly, to ensure wines age well and can be enjoyed to their fullest potential, without worry of vibrations stirring up the sediment or light getting in.

As opposed to a built-in, these freestanding units are modern and offer contemporary design, so they work well in your decor. They can be located in a convenient corner or closet as they are space-saving and streamlined in design. And if you move, they move with you. It’s an investment in your lifestyle, not just your décor.

new urban living

+

EASY CIT Y ACCESS

GO TRAIN ACCESS TO DOWNTOWN

CAFÉS & SHOPS STEPS AWAY trails & ravine in your backyard

mississauga’s most vibrant condo community The best of urban living and small town charm come together in the Ville Condominiums. Located in the heart of Streetsville, access to amenities for both work and pleasure are only steps away from your home.

from the low

r e g i s t e r t o d ay

200’s

$

villecondos.ca Prices & specifications subject to change without notice. All images are artist’s concept. E. & O.E. MARCH 14 - 28, 2015 NEW CONDO GUIDE 107

HOMEBUYERS’ HELP

Condo hunter’s checklist WHEN SHOPPING FOR YOUR DREAM CONDO, CARRY THIS LIST WITH YOU AND TAKE NOTES TO HELP YOU REMEMBER WHAT YOU SAW, AND WHERE!

CONDO #1

CONDO #2

CONDO #3

CONDO #4

Project & address:

Project & address:

Project & address:

Project & address:

Salesperson:

Salesperson:

Salesperson:

Salesperson:

Phone:

Phone:

Phone:

Phone:

Developer/builder:

Developer/builder:

Developer/builder:

Developer/builder:

Type:

Type:

Type:

Type:

midrise highrise

townhome conversion

midrise highrise

townhome conversion

midrise highrise

townhome conversion

midrise highrise

townhome conversion

Sq. ft.:

Sq. ft.:

Sq. ft.:

Sq. ft.:

# of bedrooms:

# of bedrooms:

# of bedrooms:

# of bedrooms:

# of bathrooms:

# of bathrooms:

# of bathrooms:

# of bathrooms:

Interior appliances:

Interior appliances:

Interior appliances:

Interior appliances:

Options:

Options:

Options:

Options:

Parking facilities:

Parking facilities:

Parking facilities:

Parking facilities:

Special incentives:

Special incentives:

Special incentives:

Special incentives:

Price:

Price:

Price:

Price:

Down payment:

Down payment:

Down payment:

Down payment:

Condo fees:

Condo fees:

Condo fees:

Condo fees:

Financing available:

Financing available:

Financing available:

Financing available:

Other comments:

Other comments:

Other comments:

Other comments:

108 NEW CONDO GUIDE MARCH 14 - 28, 2015

I BUILD MEMORIES. “Since joining the company, I’ve found members and BILD’s staff very welcoming and have always made me feel at ease.

Membership provides a platform that cultivates the building of solid relationships. For our company, BILD… Where absolutely everything you will ever need to grow your business lives!”

Vanessa Checchia, Décor Specialist Decorenza Service Professional Member Since 2002

I AM

Get Involved: bildgta.ca

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#

Builder

Site

1

VANDYK COMMUNITIES

The Craftsman

6

FOREST GREEN HOMES

Ville Condominiums

9

EMPIRE COMMUNITIES

Senses Condominiums

34 PINNACLE INTERNATIONAL

Telephone

TH* C*

Price Range

Finder

105

21N

from $220,000

107

16L

905-845-7246 •

from $220,000

6-7

17Q

Pinnacle Uptown, Crystal

905-568-9000 •

from $200,000

99

19K

47 THE DANIELS CORPORATION

Daniels Erin Mills

905-306-6996 •

from $250,000

17

17M

2

WINDCATCHER DEVELOPMENT CORPORATION

Atwater Condos

905-271-5038 •

from $280,000 24L

3

CASTLERIDGE HOMES

The Clairington

905-793-0002 •

from $230,000 16E

3

PINNACLE INTERNATIONAL

The Marquee Townhomes on the Park

905-568-9000 •

from $700,000 20K

4

CONSERVATORY GROUP

Mirage

905-232-2400 •

from $270,000 20K

5

AMACON

PSV2

905-273-9333 • 20L

7

GREAT GULF

HOT

905-828-4257 •

from $330,000 16M

8

FERNBROOK HOMES

Absolute World

416-869-6057

from $188,000 21K

8

CITYZEN

Absolute World

416-869-6057 from $188,000 21K

10 AMACON

The Residences at Parkside Village

905-273-9333 • 21K

12 ALTERRA HOMES

Renaissance in Olde Brampton

416-710-1010 •

14 PEMBERTON GROUP

Rosedale Village Golf & Country Club

905-799-5000

•

from $346,000 13F

15 ADI DEVELOPMENT GROUP

Link2 Condos+Lofts

905-592-2028 •

from $195,000 5M

16 VANDYK COMMUNITIES

Windows on the Green

905-822-3333 from $300,000 19N

17 PEMBERTON GROUP

Downtown Erin Mills Condominiums

905-630-6300 •

from $300,000 18M

18 RETIREMENT LIFESTYLE COMMUNITIES

Palisades on the Glen

905-820-8210 •

from $290,000 18N

20 CARRIAGE GATE HOMES

The Berkley Downtown Burlington theberkeleycondo.com • 5M

21 CASINO BAY DEV. CORP./TODDGLEN

Panoramic Point at Brewery Bay

27 INZOLA GROUP

villecondos.ca

•

•

•

•

905 regionalmaps: Burlington, Brampton, Mississauga, Oakville, Further West, Further North

craftsmancondos.com from $310,000

Page

from $490,000 13H

1-866-611-5525 •

from $264,000 7Q

Park Place

905-451-7001 •

from $310,000 14H

30 PINNACLE INTERNATIONAL

Pinnacle Grand Park 2

905-276-3981 •

from $200,000 20L

30 PINNACLE INTERNATIONAL

Pinnacle Grand Park

905-276-3981 •

from $300,000 20L

32 ARMOUR HEIGHTS DEVELOPMENTS

River’s Edge

905-533-2400 •

from $285,000 14A

35 ASHLEY OAKS GROUP

Emporium at Joshua Creek

905-618-0660

•

from $200,000 17O

38 TRIDEL CORPORATION

Metrogate - Ventus 2

416-293-5535

•

•

from $302,000 19J

38 TRIDEL CORPORATION

Ventus at Metrogate

416-293-5535

•

•

from $344,000 19J

45 EMPIRE COMMUNITIES

Rain Condominiums

905-845-7246 •

from $200,000 17Q

46 MATTAMY HOMES

The Mount Pleasant Village

mattamyhomes.com •

from $200,000 20K

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

111

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

A

* Due to scale restrictions, locators are approximate. Please see builder’s ads for exact locations.

East

Site

34

Bullock D r Hw y 7

Telephone

TH* C*

Town of Markham

46

12

5

7 407

11 Concess ion R

Steeles Ave E

2

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Rd

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3

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28

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404

7 14

A ldergrove D r

St

16 Ave Carlton Rd

407

404

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45

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Ave

32

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18 Ave

W arden Av e

16th Ave.

Elgin M ills Rd

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Leslie St

Leslie St

rn Strathea

7

Clark Ave W

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24 1 13

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Yonge St

407

31

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112

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44

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50

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404

M ajor M acKenzie

W eldrick Rd W

401

19 Ave

Elgin M ills Rd

Richmond Hill

Rutherford Rd

400

Yorklan

St

20

Regent St M illSt

Maple

19th Ave.

Tow n of Oshaw a

401

401

G am ble Rd

Bathurst St

D ufferin

E

22

Keele St

H untington

11

M ajor M ackenzie

Ff Rd Langstaf

Jefferson Sideroad

Cr

Teston Rd

D

400

Jane St

Kirby Rd

N ashville Rd

W eston Rd

C

Pine Valley

Cold Cree k Rd

12 Line Rd

King-Vaughan Rd

Tow n of Ajax

City of Pickering

Yonge St

6

Bayview Ave

King Rd

Key Maps

Tow n of W hitby

Bloom ington Sideroad

B

21 22 23 24 25 26

Markham

D enison St

#

Builder

3

TRIBUTE COMMUNITIES

Varley

905-604-1477 •

Price Range from $520,000

Page 47

Finder 19F

7

MINTOURBAN COMMUNITIES INC.

WaterGarden

416-915-3800 •

from $369,000

43

12F 10G

13 LIBERTY DEVELOPMENT CORP.

Legacy Park

905-731-8302 •

from $300,000

35

32 LIBERTY DEVELOPMENT CORP.

Royal Gardens

905-889-9997 •

from $303,000

37

15F

43 GUIZZETTI DEVELOPMENTS

Grand Palace

905-907-4370 • 101

12E

44 LIBERTY DEVELOPMENT CORP.

Centro Square Condos 2

905-851-8877 •

from $400,000

1

MONARCH CORPORATION

Garden Court

416-495-3595 •

from $400,000 16D

2

FLATO DEVELOPMENT

Arthouse Condos

905-554-8722 from $200,000 22D

4

TRIDEL CORPORATION

Renaissance of Richmond Hill

416-736-9500 •

5

LINDVEST

Grand Cornell Brownstones in Markham

905-294-6161 from $340,000 23F

6

ARMOUR HEIGHTS DEVELOPMENTS

36

5F

from $740,000 14E

The Sorrento

289-637-1777 •

from $390,000 13B

10 GREAT LANDS CORP.

The Beverly Hills Resort Residences

905-882-6636

from $250,000 12E

11 TRIAXIS DEVELOPMENT INC/MARINO DEVELOPMENTS

Courtyards of Maple

416-798-7070 •

from $390,000 7D

12 GREENPARK HOMES

UV2

905-554-6501 •

from $253,000 22F

14 REMINGTON GROUP

The Signature Condominium

905-948-9900 •

from $300,000 18F

14 REMINGTON GROUP

Model Suite of the Month

905-948-9900 •

from $300,000 18F

20 SOLMAR DEVELOPMENT CORP

Bellaria Residences

905-417-8482 •

from $240,000 7E

22 QUADRA MGT. & SCEPTRE DEVS.

Renaissance Court at Woodbridge Gates

905-851-4220 •

from $505,000 2F

22 WYCLIFFE HOMES

Fairground Lofts

905-605-5900 •

from $340,000 2F

24 LIBERTY DEVELOPMENT CORP.

The Fountains

905-731-8302 •

from $272,000 10F

26 RICE DEVELOPMENT

Ambria

905-796-3630 •

from $340,000 3F

28 CHESTNUT HILL HOMES

San Francisco by the Bay

905-831-3631

•

from $200,000 22C

31 PEMBERTON GROUP

Sky City

905-709-5700 •

from $320,000 12F

31 PEMBERTON GROUP

Sky City 2

905-709-5700 •

from $320,000 12F

32 SIGNATURE COMMUNITIES

TAO Boutique Condos

905-597-2535 •

from $200,000 15F

33 PEMBERTON GROUP

Miracle at Yonge

905-709-5700 •

from $280,000 12F

34 SIERRA HOMES

68 Main Street

905-305-0822 •

from $250,000 21E

40 NOVA TRIMAX

Allegra

905-850-6866 •

from $250,000 1F

41 QUADCAM DEVELOPMENT GROUP INC

Vista Parc Condominiums

905-850-8883 •

from $260,000 3F

45 KYLEMORE COMMUNITIES

The 6th Angus Glen

905-887-9950 • 19E

46 EMPIRE COMMUNITIES

The Mark

905-554-5015 •

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

•

•

from $250,000 22Ez

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

HOMEBUYERS’ HELP

condo buyers’ resource section YOU LOVE THE CONDO, SEE WHAT YOU CAN AFFORD! Compare mortgage rates for your best deal Calculate your mortgage payments

MARCH 14 - 28, 2015 NEW CONDO GUIDE 113

HOMEBUYERS’ HELP

Calculate your mortgage payments interest rate

amortization period

chart figure

mortgage amount ÷ 1,000

monthly payment

EXAMPLE: 5%

25 YEARS

5.82

125 (MORTGAGE AMOUNT $125,000)

$

Follow these steps to see if you’ll qualify for a mortgage on your dream condo 01 Determine the

03 Choose your desired

04 At the intersection of

appropriate five-year fixed mortgage rate, which is easiest to qualify for.

amortization period across the top of the table (25 years has lowest payment and is easiest to qualify for firsttime homebuyers).

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

02 Look down the left column of the table on the opposite page to find the rate (rounded to the nearest 1/4 per cent).

114 NEW CONDO GUIDE MARCH 14 - 28, 2015

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.

Mortgage payment calculation chart

%

INTEREST RATES

Amortization Periods 15 YEARS

20 YEARS

25 YEARS

30 YEARS

2.50%

$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 MARCH 14 - 28, 2015 NEW CONDO GUIDE 115

ONTARIO’S MOST-READ NEW HOMES GROUP WE ARE THE LARGEST MAGAZINE DISTRIBUTION SYSTEM IN ONTARIO. Mar 7 - 21, 2015 Volume 23 Issue 05

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ATTAINABLE

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IN PERFECT HARMONY BRANTHAVEN HOMES’

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IN BURLINGTON’S POPULAR

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Discover Mattamy Homes and Communities

BUILT RIGHT WHERE YOU WANT TO LIVE

All images are artist concept.

INSIDE THIS ISSUE

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HOUSING AFFORDABILITY DOWN AS TORONTO PRICES RISE

CONDO ETIQUETTE: THE 10 ELEVATOR COMMANDMENTS

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INSIDE THIS ISSUE

NEW HOME SALES OFF TO STRONG START IN 2015

HOW TO CHOOSE A REAL ESTATE LAWYER

ENERQUALITY NAMES 2014 AWARD WINNERS

INSIDE THIS ISSUE

HAMILTON: GROWING ECONOMY, STRONG HOUSING MARKET

WHAT THE BANK OF CANADA’S RATE CUT MEANS FOR BUYERS

LAKE ONTARIO’S GROWING WATERFRONT CONDO MARKET

THE CHANGING FACE OF OTTAWA HOME BUILDING

INSIDE THIS ISSUE

WHAT TO EXPECT AS YOUR NEW HOME IS BUILT

ENERQUALITY NAMES 2014 AWARD WINNERS

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HIGHLIGHTING THE TOP

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HIGHLIGHTING THE top builders & new-home communities

HIGHLIGHTING THE

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across SWO

THE EXPERTS WEIGH IN:

Location, lifestyle, costs & your new condo

EXPERT ADVICE Top tips to guide you through the homebuying process

Why pre-construction condo investments pay off

EXPERT ADVICE Top tips to guide you through the homebuying process

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2015 MODEL SUITE CALENDAR

An exclusive collection of the GTA’s most beautiful new condos

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BEYOND MORTGAGE RATES How accelerated payments can save you thousands

2015 MODEL HOME CALENDAR

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An exclusive collection of SWO’s most beautiful new homes and condos

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HOMEBUYERS’ HELP

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

ATB Financial

2.35

Alterna Svgs/Alterna Bk

2.45

Bank of Montreal

2.85

Bank of Nova Scotia

2.85

Canadian Western Bank CFF Bank CIBC

2.85

ICICI Bank Canada Manulife Bank

2.9 2.55

6 Months 4 4.00op 4 6.30op 4 6.30op 4.55 6.45op 4 6.45op

6.70op

National Bank

n/a

President’s Choice Financial Royal Bank

2.5 2.85

TD Canada Trust

2.85

Tangerine

2.85

4.45 4.4 6.70op

6.30op

1 Year 2.94 4.00op 2.98 6.30op 2.89 6.30op 3.29 6.50op 3.14 6.30op 2.99 2.89 6.35op 3.15 3 3.50op 2.89 6.70op 3.14 6.30op 2.89 6.30op 3.19

2 years

3 years

4 years

5 years

2.64 4.00op 2.98

2.64

2.74

2.84

2.98

2.94

2.78

2.84

3.39

3.89

2.99

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.79 2.29

2.49 3.55

2.89 4.14

2.79 4.79

3.65 3.04

3.64 2.94

3.69 2.99

3.69 2.99

2.84

3.39

3.04

3.09

2.29 3.14

3.49 3.7

2.73 4.44

4.44 4.74

2.84

3.39

3.89

3.09

3.24

3.49

3.69

3.79

3.25 2.59

3.95 3.39

4.74 3.89

4.99 4.74

3.6

3.7

4.6

4.95

2.44 3.09

2.59 3.75

2.79 4.39

2.79 3.29

3.09

3.39

3.89

4.49

3.1

3.33

3.65

3.13

3.25

3.29

2.99

2.84

2.59 3.04

2.69 3.19

2.79 2.99

2.89 2.89

2.69 3.09

2.89 3.75

3.04 4.39

3.09 4.79

2.25

3.35

2.7

3.05

3.95 3.09

4.35 3.55

4.84 3.29

5.14 2.89

2.9

3

3.1

3.25

2.75

2.85

2.9

2.95

TRUST COMPANIES Community Trust Concentra Financial

n/a n/a

Effort Trust

n/a

Home Trust Company Investors Group Trust

2.35 n/a

MTCC

2.85

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.

2.85

6.2 6.40op 3.95 6.34op

IC Savings London Life

n/a

Luminus Financial

2.45

MCAP Meridian Credit Union

2.35 2.65

Parama Credit Union

2.5

Steinbach Credit Union

2.4

4.2 6.50op

4

3.01 6.25op 2.89 6.30op 2.99 2.99 6.34op 2.99 3.14 6.30op 2.85 6.25op 3.6 3.09 6.30op 2.7 2.85op 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 Prepared by http://www.FiscalAgents.com/mortgage/rates

MARCH 14 - 28, 2015 NEW CONDO GUIDE 117

INDEX OF ADVERTISERS 45 Charles Ltd. - Chaz Yorkville Condos

27

Luxury Living Magazine - Promo

68

Aragon Properties - Enigma on the Park

85

Madison Homes - Zigg St.Clair West

55

Aspen Ridge Homes - Studio on Richmond

45

Menkes Developments Inc. - 365 Church

Insert

Bazis Inc. - E Condos

5

Menkes Developments Inc. - 87 Peter

Insert

Bazis Inc. - No1 Yorkville

3

Menkes Developments Inc. - Fabrik

Insert

Menkes Developments Inc. - Gibson Square

Insert

Menkes Developments Inc. - Harbour Plaza

Insert

Menkes Developments Inc. - Humber Mews

Insert

Menkes Developments Inc. - Pears on the Avenue

Insert

Menkes Developments Inc. - The Eglinton Yonge at Heart

Insert

BILD - Promo Brandy Lane Homes - The Station Camrost - Felcorp - Blue Diamond at Imperial Plaza

109 63 1

Canalfa Group - Liberty Central by the Lake Two

65

Chestnut Hill Development - Lotus Condominiums

26

Citycore - Harmony Village

86

Concert Properties - The KIP District

71

Concord Adex - Omega on the park

30-31

Cresford Development Corp. - 1000 Bay

120

Cresford Development Corp. - CASA 2

IBC

Cresford Development Corp. - CASA III

120

Cresford Development Corp. - Merton Yonge Condominiums

120

Cresford Development Corp. - VOX

120

Daniels Corp. - The Bartholomew Downtown East Davies Smith - Eleven Superior

15 Insert

Metropia - E Condos

5

Minto Communities Inc. - Corporate

43

Minto Communities Inc. - West Side

23

MintoUrban Communities Inc. - 30 Roe

43

MintoUrban Communities Inc. - 88

43

MintoUrban Communities Inc. - WaterGarden

43

Mobile App - Promo

88

Monarch Corporation - Lago

Insert

Monarch Corporation - Picasso on Richmond

Insert

Diam Developments - On The Danforth

75

Monarch Corporation - Riva del Lago

Insert

Eden Shaw - Chaz Yorkville Condos

27

Monarch Corporation - Waterscapes

Insert

ELAD Canada - The Colours of Emerald City

57

North Star Homes - Connexion at Islington

87

Empire Communities - Senses Condominiums

6-7

One of a Kind Spring Show - March 25-29

70

Family of magazines - Promo

116

Pemberton Group - Citylights on Broadway

8

Pemberton Group - Vivid Condos

9

Fieldgate Homes - Zigg St.Clair West Forest Green Homes - Ville Condominiums

55 107

Freed - Art Shoppe Condos

69

Ghods Builders Inc. - 5959 Yonge Street

59

Great Gulf - Monde

25

Great Gulf - One Bloor Residences

25

Great Gulf - Pace

25

Great Gulf - Yonge+Richmond

25

Guizzetti Developments - Grand Palace

101

Hyde Park - East Fiftyfive

51

Lamb Development Corp. - East Fiftyfive

51

Lamb Development Corp. - The Harlowe

53

Phantom Developments - Tea Garden Condos

79

Pianosi Developments - Perspective Condos

89

Pinnacle International - Pinnacle Uptown, Crystal

99

Plaza - Corporate

67

Rio Can - E Condos

5

Rockport Group - The Nest

61

Streetcar Development - The Southwood

39

T.D. Bank - Corporate

33

The Daniels Corporation - Daniels Erin Mills

17

The Daniels Corporation - High Park Condominiums

Insert

The Daniels Corporation - One Park Place South Tower

29

Tribute Communities - The College

47

11

Tribute Communities - Varley

47

Liberty Development Corp. - Centro Square Condos 2

36

Tridel Corporation - Avani At Metrogate

IFC

Liberty Development Corp. - Legacy Park

35

Tridel Corporation - Islington Terrace

BC

Liberty Development Corp. - Royal Gardens

37

Urban Capital - RC3

41

Liberty Development Corp. - Terrace on Danforth

37

Vandyk Communities - The Craftsman

105

Liberty Development Corp. - World on Yonge

37

Your First Home & Condo - Promo

104

Lanterra Developments - Model Suite of the Month

119

Lanterra Developments - Riverhouse at the Old Mill

19

Lanterra Developments - Treviso Condominiums

Model Suite Photo Compliments of Lanterra Developments.

BUILDING A BETTER WORLD

www.lanterradevelopments.com

TeaHouse at 501 Yonge Condominiums - Asian Inspired Living.

MARCH2015 Lanterra Developments has been featured as “MODEL SUITE OF THE MONTH” as seen in the New Condo Guide model suite calendar

DESIGN. LOCATION. STYLE. PASSION. TRUST. The locations you love. The designs you desire. The details you demand. A Cresford condominium is luxury living defined. For over 40 years Cresford has been at the forefront of the luxury condominium market. The first developer in Canada to pair its condominium designs with international fashion labels, we set the standard for superb quality, trusted security and cutting-edge style.

YORKVILLE NOW UNDER CONSTRUCTION MOVE IN WINTER 2017 SIGNATURE PENTHOUSES COMING SOON SUITES FROM THE HIGH $300’S

BAY STREET WELL UNDER CONSTRUCTION MOVE IN STARTS WINTER 2015 SUITES FROM THE MID $300’S 416.485.3000 1THOUSANDBAY.COM

416.486.CASA (2272) CASACONDOMINIUM.COM

YONGE & WELLESLEY PENTHOUSES COMING SOON FURNISHED WITH DIESEL LIVING 416.485.3000 VOXCONDOMINIUMS.COM

YONGE & MERTON MOVE IN NOW SUITES FROM THE MID $400’S TOWNS FROM THE LOW $600’S PENTHOUSES FROM THE $800’S 416.484.1900 MYCCONDO.COM

WELL UNDER CONSTRUCTION MOVE IN STARTS WINTER 2016 A sculptural 56-storey glass tower steps from Yonge & Bloor with unbeatable Toronto skyline views and embellished with MissoniHome furniture.

SUITES FROM THE MID $300’S SIGNATURE PENTHOUSES STARTING FROM $1.4 MILLION

416.486. CASA (2272) CASA2CONDOMINIUMS.COM

CONDOMINIUM GALLERY

CONDOMINIUM GALLERY: 170 MERTON STREET BROKERS PROTECTED. ILLUSTRATIONS ARE ARTIST’S CONCEPT. PRICES AND SPECIFICATIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. E. & O.E.

Built to make an entrance.

The newest addition to our landmark Metrogate community, Avani 2 offers design-inspired living in every 1 and 2 bedroom suite, many with den options. This contemporary tower features spectacular indoor and outdoor amenities, the perfect spaces for residents to relax, rejuvenate and enjoy their leisure time – all overlooking a dynamic community park.

Indulge your taste for sleek modernity at Avani 2, where virtually anything you could want is just moments away.

eiGht decades of home BuildiNG. over 80,000 homes Built. tridel commuNities are Built GreeN. Built for life.® *Price and specifications are subject to change without notice. Illustrations are artist’s concept only. Building and view not to scale., Tridel Built for Life®, Tridel Built Green. Built for Life.® are registered trademarks of Tridel and used under license. ©Tridel 2015. All rights reserved. E.&O.E. March 2015.

Now opeN Kennedy and Hwy 401 in Scarborough Starting from the low $200’s* Visit the Presentation Centre 52 Village Green Square, Scarborough 416.293.5535

tridel.com

Built for the suite life.

Find your connection at islington terrace, just minutes from the Bloor islington subway. this architecturally striking condo community is located in a historic neighbourhood where the past mingles with today’s must haves. islington Village, with its quaint restaurants, leads you right into the fashionable Kingsway on Bloor, full of trendy boutiques and exclusive shops. Embrace the new spirit of living at Bloor and islington.

Starting from the mid $200’s* Visit the Presentation Centre 2487 Bloor Street West, Etobicoke (At South Kingsway) 416.645.8862

eiGht decades of home BuildiNG. over 80,000 homes Built. tridel commuNities are Built GreeN. Built for life.® *Price and specifications are subject to change without notice. Illustrations are artist’s concept only. Building and view not to scale., Tridel Built for Life®, Tridel Built Green. Built for Life.® are registered trademarks of Tridel and used under license. ©Tridel 2015. All rights reserved. E.&O.E. March 2015.

tridel.com