Issuu

[ 4-WEEK ISSUE ]

Jul 13 - Aug 10, 2013 Volume 17 Issue 14

GET UP TO $24,000 CASH BACK! INSIDE THIS ISSUE

ROLE OF GOVERNMENT IN HOME AFFORDABILITY

LOCATION, LOCATION AND COMMUNITY

CONDO DÉCOR: HARDWOOD MADE EASY

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editor’s note

“ Get it in writing” still applies

Susan Legge

Editor-in-chief

Wall2Wall Media Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on facebook search: Condo Guide

In a real estate market like Toronto’s, the term “get it in writing” has never been more important. In the case of a new condo purchase, your Agreement of Purchase and Sale, the contract spells out the terms between you and your developer and/or builder. Without it, if there is a misunderstanding or disagreement, it’s impossible to prove what was agreed upon. Since building a new condo is much more complicated than a resale transaction where a home and/or property likely already exists, there is no set Agreement of Purchase and Sale or standard contract for buying a new home. In some provinces, builders may

have standard contracts prepared by the local home builders’ association or their new-home warranty program. Builders often prepare their own agreements, which can vary from one builder to another and from province to province. Before you sign a contract, review it carefully with the builder and ask questions to make sure you fully understand what’s it in. Your next step is to take it to a real estate lawyer and have it reviewed. Once it is signed it becomes a legal document, so seeking the services of an experienced lawyer is an important step toward ensuring that your dream home becomes a reality.

know your builder and warranty

Understand what’s covered – and what’s not

Wayne Karl

Editor

Wall2Wall Media wayne.karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl

002 new Condo Guide jul 13 - Aug 10, 2013

As much of the GTA (at time of writing) is left reeling from severe rainfall, flooding and power outages, it’s the perfect time to think about new-home warranties. Mind you, if you’re buying a condo, basement flooding won’t be your concern, but leakage and other issues could well be. You wouldn’t dream of buying a new car, TV or other big-ticket item without first inquiring about the manufacturer’s warranty, would you? When it comes to buying a new condo, you should be even more diligent. Some people may be so excited about their purchase that they’re more interested in choosing finishes than reading the fine print of a sales agreement. Or maybe they assume all builders are created equal, and

that certain things are covered, when in fact they may not be. Or it might be a lack of awareness of just how newhome warranties work in Ontario. Welcome to Tarion Warranty Corp. – a non-profit, private company designed to protect the rights of newhome buyers and to regulate builders. With four main responsibilities – homeowner education, warranty enforcement, builder licensing, and identifying and prosecuting illegal building – it is, unfortunately, a necessary but extremely valuable body. It is also one you should get to know. Just like for cars or electronic devices, all manufacturers and product are not created equal. Learning about your new-home builder and warranty is a crucial part of the homebuying process.

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new condo guide

contributors

Vice-President, Wall2Wall Media

Jacqueline Hill Sales Manager

Conni Robinson Associate Publisher, SWO New Homes & Lifestyle Communities

Susan Maxwell Editor-in-Chief, National Real Estate

Susan Legge Art Director

Sarah Jang Editor

Wayne Karl Lydia McNutt (on leave) BILD Report

Legally Speaking

design inspiration

Bryan Tuckey

Jayson Schwarz

David Hirsh

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 online 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.

David Hirsh is President and CEO of Brandy Lane Corp. Hirsh prides himself on his hands-on approach to all stages of the development and building process. The company’s newest community is Wyldewood Cove, coming soon to Collingwood. Visit brandylanehomes.com

Contributing Editors

Sara Duck Elisa Krovblit Design Editor

Yanic Simard Editorial Intern

Tal Klachook Senior Account Executive

Dionne Fraser

dionne.fraser@wall2wallmedia.com

Senior Account Executive

Nina Downs

nina.downs@wall2wallmedia.com

Sales & Marketing Co-Ordinator

Terry Bassett Administrative Assistant

Antoinette Jackson Production Manager

Bala Gnanapandithan Production Co-Ordinator

Sandra Hanak-Vujnovic Graphic Designers

on the move

Mortgage Minute

Peter Kinch

Barbara Lawlor

Dan Hopkins is chief operating officer at Two Men and a Truck Canada. For more information visit twomenandatruck.ca

Peter is founder of the Peter Kinch Mortgage Team and the PK-Approved group of Dominion Lending Centres mortgage brokers across Canada, and he is co-owner of Pacific Bridge Mortgage Investment Corp. Feel free to forward any questions directly to Peter at pkinch@ peterkinch.com

Barbara Lawlor is president 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.

Dan Hopkins

Condo pro

Caroline Wassef, Mike Terentiev, Sandra Hanak-Vujnovic National Account Manager, Mediative

Paul Slizys Published By

Wall2Wall Media is a Trademark of Yellow Pages Group Co. In Canada.

#500-401 The West Mall Etobicoke, On M9c 5j5 T 416.626.4200 F 416.784.5867

Call 416.626.4200 for advertising rates and information. Circulation Free distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices. Copyright 2013 All rights reserved by Wall2Wall Media. 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@wall2wallmedia.com. The views and data expressed by columnists do not necessarily represent those of the publication. Advertising

money matters

Taxing Issues

quick tips

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

Henry Choo Chong is a certified general accountant. Henry sits on many committees and provides accounting and tax advice to individuals and businesses in the GTA. Email your tax questions to Taxing Issues at choochonghcga@yahoo.ca

Hellen Buttigieg, CPO, is a certified professional organizer, life coach, TV host and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-Book on how to find more time, energy and inner peace. Contact Hellen at 905.829.2219 or info@WeOrganizeU.com

Gail Vaz-Oxlade

Henry Choo Chong

004 new Condo Guide jul 13 - Aug 10, 2013

Hellen Buttigieg

Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

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bild report

Government plays a part in

// By bryan tuckey

new home affordability

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 online blog (bildblogs.ca).

Here’s why I think both of these reports really deserve some of your attention right now: municipalities are looking at how they are going to pay for critical infrastructure like roads, bridges, sewers and public services, that will be used by not only new residents, but existing residents as well.

010 new Condo Guide jul 13 - Aug 10, 2013

’ve been talking a lot about affordability of new homes in the GTA, development charges and municipal accountability lately. So I was interested to read the timely report called, Big City Spenders, recently released by the Canadian Federation of Independent Business (CFIB). It analyzes municipal spending trends with a focus on Toronto, Vancouver and Montreal and challenges the assertion that municipalities don’t have enough revenue to provide essential services. Interestingly, the report provides evidence that operating spending has increased consistently to match inflation, as opposed to population and that “spending is far outpacing inflation and population growth.” In Toronto, where spending adjusted for inflation increased by 40 per cent between 2000 and 2011, the population only grew by eight per cent, according to the report. When reading, the question came to mind: where is the money being spent? According to the research, more than half of the Toronto’s operating spending is on employee wages, salaries and benefits every year and it wasn’t much different in Vancouver and Montreal. I agree with the report’s conclusion that it’s time to change the conversation from being about cash-strapped municipalities facing an infrastructure deficit to focusing on what is driving spending. I know our industry and new homeowners do their fair share to contribute to municipal, provincial and federal coffers. We estimate that in 2012 alone, the industry and new-home buyers contributed more than $1 billion toward the construction of growth-related infrastructure like sewers, roads and transit in the GTA through development charges paid to municipalities. In fact, we recently commissioned and released a report looking at the impact of a variety of government charges and fees on the affordability of a new home in the GTA. We looked at six municipalities and found that on average, more than one-fifth the cost of a new home goes to government through a variety of fees and charges such as development charges, parkland fees and taxes. In dollars, the average adds up to $118,400 on a new single-detached home and for a new highrise home, it’s roughly $64,400. Over the last decade, about 400,000 new homes have been purchased across the GTA – the government revenue generated is in the billions. Here’s why I think both of these reports really deserve some of your attention right now: municipalities are looking at how they are going to pay for critical infrastructure like roads, bridges, sewers and public services, that will be used by not only new residents, but existing residents as well. It’s time for municipalities and all levels of government to look at both sides of the ledger because we believe increases to development charges and other government fees on the cost of a new home is not a sustainable revenue generator.

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Exclusive Listing Broker Milborne Real Estate Inc. Brokers Protected. Marketing Management by Anne Lambrou Living Visions Inc. Prices and specifications subject to change without notice. Illustrations are artist’s concept. E.&O.E. 011 new Condo Guide jul 13 - Aug 10, 2013

table of contents

July 13 to August 10, 2013 volume 17 issue 14

chaz.yorkville

Spring incentives help make the Yorkville lifestyle irresistible 50

columns, news & features 002 Editor’s note Columnists

010 bild report The role of government in new-home affordability by bryan tuckey

016 taxing issues Deductions, deductions

by henry choo chong

018 legally speaking Considerations for buying foreign property by jayson schwarz

024 Investor advice Two ways to recession-proof your condo investment

060 Condo pro Onward and upward with upgrades

032 the mortgage minute What’s all the fuss about a market correction?

064 design inspiration Location, location, community

by Andrew la fleur

by peter kinch

056 fundamentally speaking Four tips to help you buy your first home by wayne karl

by barbara lawlor

by david hirsh

078 style file Hardwood made easy by yanic simard

080 Make Your Move The word-of-mouth factor by dan hopkins

098 Money matters We’re having a baby! by gail vaz-oxlade

100 scrumpdillyicious Nanaimo squares by Leslie styles

118 quick tips Replace the procrastination with motivation

by hellen buttigieg

In The News

028 td Canada trust Tips to help ‘New Canadians’ build credit

condo profiles

038 rbc economics Ontario’s economic growth to pick up the pace in 2013

the daniels corporation

066 raw energy Human generate power lights up Toronto skyline 070 elad canada Parkway Forest Community Centre breaks ground

102 383 sorauren 383 Sorauren hosts barbecue

elad canada

Emerald City Now is a perfect time to buy at Emerald City

Homebuyers’ Help

044 hot topic The wonderful world of upgrades

by anthony jong

davies smith developments

050 decor An insider’s guide to creating a stylish and functional nursery 054 hot topic Small space planning: five steps to an efficient layout 058 around the house Colour tips for living in comfort

Eleven Superior makes waves in heart of Mimico-by-the-Lake 92

Watermark Making its Watermark on historic Long Branch

by erica gelman

112

076 designer tips Personalize your space with art

pinnacle international

by lisa canning

Crystal Crystal shines bright at the Pinnacle Uptown

082 condo watch 416 Previews, new releases and grand openings in the 416 area

106 condo watch 905 Previews, new releases and grand openings in the 905 area 114 quick tips Five reasons why women should have their own will 121 Condo Buyers’ Resource Section You love the home, see what you can afford 126 Index of advertisers

queenscorp group

062 designer touch Shopping like a pro

104 quick tips A couple’s guide to smart saving

NY2 A community 2 good 2 miss at Bayview and Sheppard

94 112

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jul 13 - Aug 10, 2013 new Condo Guide 014

COMING SOON Nestled on the edge of High Park - Toronto’s largest urban park and just steps from the quaint shops and ﬁne dining of Bloor West Village, The Daniels Corporation is excited to introduce

WHERE MODERN URBAN MEETS MOTHER NATURE Yes, this is the actual view from the 14th ﬂoor!

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The only new condominium within Toronto to offer innovative suites ranging from studio to two bedroom + den designs featuring superior ﬁnishes and unobstructed views of over 399 acres of vibrant parkland and beyond. Add to this 18,000 sq. ft. of indoor and outdoor private amenities, unlike any other in the city today, and you’ll quickly see that HighPark Condominiums is Where Modern Urban Meets Mother Nature.

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Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artists concepts. Prices, speciﬁcations and programs 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. *Conditions apply. See Sales Representatives for full details. 015

taxing issues

// By henry choo chong

deductions, deductions

Henry Choo Chong, CGA, sits on many committees and provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5225. Questions to Taxing Issues can be emailed to choochonghcga@yahoo.ca

The opinions and views expressed herein are those of the author and not those of New Condo Guide. New Condo Guide does not necessarily endorse or encourage any specific tax strategies. Please consult a tax professional for advice specific to your particular situation.

Last year, my wife and I welcomed her elderly parents into our home. They lived in north Simcoe and we are in Richmond Hill. They loved their home; unfortunately they can no longer maintain it on their own. We can financially and physically help them in their senior years. Can we deduct the money we give them for living expenses? Where and how on our tax return? Ron and Beth, Richmond Hill

The baby boom generation may have to put condo living on hold for several years. Many

016 new Condo Guide jul 13 - Aug 10, 2013

boomers have the financial responsibility of not just university kids but aging parents, too. Our generation (myself included) are blessed with having the people closest to us at home – children and parents. Unfortunately, neither Mr. Harper nor Mr. McGuinty provided a deduction for your financial assistance. However, they do provide a “caregiver” tax credit. You may qualify to claim a $4,223 federal tax credit and a similar provincial amount. This will reduce your federal and provincial income taxes by $633 and $210, respectively. You should note: parents must be at least 65 years old and mentally or physically dependant on adult children.

My kids attend pre-school and elementary private institutions. The cost is astronomical but my wife and I believe it is best for our kids. How much of the tuition may I deduct and how? Wong, Markham

Generally, private school tuition is not tax deductible. An attempt was made several years past to deduct private school tuition; however it was politically unpopular and was reversed the following year. Fees to education institutions may be deductible as childcare and claimed by the lower income spouse. A receipt must be provided by the school for the portion of the fees that are considered “childcare.” Additionally, depending if there is some religious affiliation, part of the fees may be allocated as a charitable donation. Again, the institution must provide a receipt and qualify for charitable status.

I recently sold a real estate investment property. How much income tax will I pay? I calculated I made approximately $80,000. Karim, Mississauga

Generally, real estate that is sold for more than its cost may result in a capital gain for the individual. Fifty per cent of the gain must be included in your income tax return in the year of sale. Using your figures and assuming you have other income, such as from employment, we can use a 40-per-cent tax rate. Therefore, the $80,000 capital gain is reported. Forty thousand (50 per cent of the gain) must be included in income. This is taxed at 40 per cent. Your tax obligation on the gain is $16,000 (40,000 x 40 per cent) to Canada Revenue Agency. Consult your accountant/tax advisor before committing to pay any income taxes.

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It’s never been a better time to buy a Monarch home. Enjoy incredible buyer incentives at all of our communities and make your dreams of a new home come true today.

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jul 13 - Aug 10, 2013 new Condo Guide 017

legally speaking

Considerations for

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.

any Canadians often dream of homeownership at our favourite foreign vacation destination. Maybe it’s the urge to plan for retirement, additional income or the certainty of having a place of your own to come back to year after year, but one thing is for sure, Canadians have never been more interested in owning foreign property than now. Thanks to low interest rates and a stable economy, Canadians have the upper hand and the world knows it. However, homeownership in another jurisdiction means a slew of considerations that are complex and at times overwhelming. In the U.S., for example, there are estate tax issues that come up, and you may require a specially designed Trust to avoid Uncle Sam as a partner with you or your kids after your death. 018 new Condo Guide jul 13 - Aug 10, 2013

// by jayson Schwarz

buying foreign property There are issues of law if the country does not have a British system and if it’s run on civil or Napoleonic law; Martinique and St. Martin are examples. There may be other issues of property ownership such that foreign nationals may only be able to lease, not own. The next issues relate to the vendor. Are you purchasing from a reputable organization? If it is a condo, how are you sure the developer will be around if things go wrong? What guarantees are there on your deposits if they go broke and does not finish the project? It sounds like a lot to think about… but it was so easy to sign up during the tour. So, really, what are you buying? Are you buying a timeshare, outright ownership or a long-term lease? Here is a list of a few questions that need to be answered on a preliminary basis on a resort or new condo purchase before you make any offer: 1 Location – why are you choosing this location for a second home? 2 How much time will you spend in a typical year in your second home? 3 Will you typically bring friends and family? 4 What are the common fees and how are they set and controlled? 5 What are resales like for the development? 6 What is the legal structure and laws that apply in the country you are looking at purchasing? 7 Would you rent the property, and if yes, what are your expectations and needs on rental income? 8 What security is there for deposits and payments? Here is the litmus test to go forward: A How did the resort or sales centre answer those eight questions? B Did they satisfy you with their knowledge and professionalism? C Did they try to push you into signing something without the opportunity to consult with a lawyer? If those questions are answered to your satisfaction, then you know you are in the right place. If you have an intention to buy, make inquiries and find a lawyer, possibly a referral from your lawyer or friends at home. You need to understand the tax implications of a purchase, and more importantly, the tax impact if you sell for a profit or earn income. As an example Barbados is a Canadian tax treaty partner and you may get favourable consideration on a capital gain or on rental income. Each country is unique and you need a lawyer or accountant to help you figure it all out. Buying a second home in a warm locale is a dream many Canadians share. If the deal is properly structured, the home you purchase can bring years and years of happy memories and, quite possibly, a great return down the road. Good luck.

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jul 13 - Aug 10, 2013 new Condo Guide 019

cover story

GREAT VALUE IS ALWAYS IN STYLE AT

CHAZ.YORKVILLE Spring incentives help make the Yorkville lifestyle irresistible

Oh, how Torontonians thrive in good weather.

Like the flowers at last poking their way through the soil, we unclench our shoulders and take to the streets in our springtime best. It’s part of what makes Canadian urban living so charismatic, especially in a classic neighbourhood like Yorkville. All around the leafy Charles Street location of Chaz.Yorkville, strappy sandals are making their debuts, last month’s chic cardigans are giving way to maxi-dresses, and the sport coats are coming off in favour of linen shirts. Why the retail rhapsody? Because this is Yorkville, where great style is always in fashion. Best of all — the price of fabulous style is lower than you think. At Chaz.Yorkville, luxury and affordability come together starting in the low $300s, and just because this time of year is always a reason to celebrate, Developer 45 Charles Ltd. and Project Manager Edenshaw Homes are offering spring incentives that

Gamer’s Arena

020 new Condo Guide jul 13 - Aug 10, 2013

could make your lifestyle dreams come true sooner than you think. For a limited time only, buy at Chaz.Yorkville and get up to $24,000 cash back at closing! It’s a win-win situation — you win when you buy your suite, and you win again when you see how much of your money stays in your account. Chaz.Yorkville, 47 sleek storeys of style, is right in the heart of the action, and yet thanks to the flowers along the sidewalk and the mature trees that shade Charles Street, has a laid-back ambiance befitting an oasis in the downtown core. Everything is right at your doorstep, and yet home is on a quiet, leafy block. Its architecture fits that duality, too, with elegant limestone meeting contemporary glass, sharp creases contrasting deep, integrated balconies, exposed exterior columns, and the cantilevered social lounge in the sky of the Chaz Club capturing the eye from the 36th and 37th floors. Developer 45 Charles Ltd. has enlisted the world-

class team at Page + Steele/IBI Group Architects, whose exterior is complemented by interiors by Cecconi Simone, one of Toronto’s biggest names in interior design. It’s a perfect match, with the distinctive shape of the exterior helping interior floorplans offer some unexpected and very welcome features, like gallery spaces in the entryway and hidden storage in the kitchen backsplash. The same meticulous attention is clear in every feature and finish, from your gorgeous chef-designed (and worthy!) kitchens to the custom designed bathrooms, Chaz.Yorkville is about so much more than a place to put your head — it’s a place to put your heart. Amenities are carefully designed and appointed to enhance your life, including a 24-hour, hotel-style concierge who is there when you need … well, just about anything. Amenities start with the beautiful lobby lounge, and culminate with a sky-high, stunning, five-star-inspired private residents’ Chaz Club, where a sweeping staircase is the prelude to a private dining room for 20, plus a lounge and bar in the Grand Room. Lower-level amenities abound too, with a living room, billiards room, barbecue deck, fully equipped fitness centre, landscaped private courtyard, pet spa, business centre, guest suites, exclusive dry-hydrotherapy massage beds, and a state-of-the-art Computer Gamers’ Arena. Two on-site theatres cater to diverse viewing tastes. One is a movielover’s dream, with 3D capability on a huge state-of-the-art screen and stepped seating; the other, a kick-back-and-relax haven for sports fans has comfy couches, a kitchen and a lounge, the perfect spot to catch the big game even if 20 of your

Chaz Club

Courtyard

friends pop by. Spectacular 4K resolution technology brings whatever you’re watching to vivid life. Chaz.Yorkville is also leading the way with technology. Innovative fibre optic wiring directly from Rogers head office and into your suite (and the Gamers’ Arena — gamers will want to live here just for the wiring) for wicked-fast Internet speeds that will give residents the competitive edge – in more ways than one. Chaz.Yorkville is being built as a LEED Certification candidate, which means a healthier living environment for you. The healthy lifestyle extends to guest bike parking and four car-share stalls as well. Plus, at Chaz.Yorkville, you’ll be right at home in the Cloud with Bazinga! a comprehensive, community-building platform that connects you to your neighbours, to information, to building staff, even to the building itself, as you book amenity spaces or a guest suite. A selection of suites remain, including some Sky Residences, a sumptuous collection of specially appointed suites from the 42nd floor and up, but these incentives are time limited so don’t wait! Affordable luxury, steps from the Bloor/Yonge subway, with the soul of one of Toronto’s best-known and coveted neighbourhoods — now that’s doing things with style. Visit the Presentation Centre at 101 Yorkville Ave. between Avenue Road and Bellair Street, Monday to Thursday from noon to 6 p.m.; Friday 2 to 6 p.m.; Saturday noon to 8 p.m. or Sunday, noon to 6 p.m. Call 416.922.0045 or visit chazyorkville.com jul 13 - Aug 10, 2013 new Condo Guide 021

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investor advice

Two ways to

// by andrew la fleur

recession-proof your condo investment

nvesting in a pre-construction condo is not without risk. You are effectively buying a contract with the hope that one day this contract will become a piece of real estate that is worth more than the price you are paying for it today. A lot can happen in three to five years while your condo is being built. Here are two tips to help ensure your investment is a successful one.

Andrew la Fleur is an award-winning Realtor with Re/Max. Andrewâ€™s expertise is in helping investors make money in the Toronto condo market. Check out his blog at truecondos.com

Your goal should always be to buy something that will increase in value and the best way to do that is to buy something that is priced below the current market value of a similar resale property.

024 new Condo Guide jul 13 - Aug 10, 2013

1 | Always buy below market value Your goal should always be to buy something that will increase in value, and the best way to do that is to buy something that is priced below the current market value of a similar resale property. For example, if a one-bedroom across the street in a brand new completed building sells at $300,000, and you can buy a similar one-bedroom in a pre-construction condo at $285,000, then you are well insulated from any market fluctuations over the next few years and you are positioned to have a property that is worth more when completed than when you bought it before pre-construction start. 2 | Always buy cash-flow positive Investing in real estate is not a get rich quick scheme, but it is how most of the worldâ€™s wealthiest people have earned their fortunes. The best real estate investors always buy for the long term. I always encourage my clients to take the long-view approach when buying pre-construction and to plan on renting their unit out for at least one year (preferably more) after the completion of the building. Flipping before project completion (assignment) is a highly risky strategy and should be considered only as a back-up plan. With this in mind, you should only buy a pre-construction condo that will provide you with positive or break-even cash flow with the standard 20 to 25 per cent down payment. If at the current valuation and given current market rates for rents, you cannot reasonably expect to cover all your expenses, then stay away! If you do your home work before buying by following these two tips you will be in great shape for years to come.

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jul 13 - Aug 10, 2013 new Condo Guide 025

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jul 13 - Aug 10, 2013 new Condo Guide 027

IN THE NEWS

Tips for new Canadians to build credit Stephen Menon, associate vicepresident of credit cards at TD Canada Trust. “But in order to build a good credit rating, you need to apply for credit, which is challenging when you are new to Canada and don’t have a Canadian credit history.” A credit rating reflects the ability of a potential customer to pay back borrowed money, and is recorded by at least one of Canada’s major credit-reporting agencies: Equifax Canada or TransUnion Canada. The following tips can help newcomers build their Canadian credit rating:

Every year, thousands of people immigrate to Canada in search of new opportunities and a better life. Today, Statistics Canada estimates that immigrants account for more than one-in-five Canadians and projects that by 2055 immigration will account for 90 per cent of the country’s population growth. But figuring out how things work in a new country can be challenging, from locating new schools and communities to navigating the banking system. According to a poll from TD Canada Trust, most newcomers said they did not know how to open a bank account (47 per cent), apply for a credit card (58 per cent) or mortgage (87 per cent) or send money to family overseas (72 per cent) in their first three months in Canada. The biggest surprise new Canadians encountered setting up their finances was the credit rating system (24 per cent) and not having access to credit right away (23 per cent). “One of the major challenges new Canadians face when they arrive is establishing a credit history so they can buy or rent a home, get a credit card, purchase a car, and even secure a mobile phone plan and insurance,” says

According to the poll, a quarter of new Canadians (23 per cent) said they wish they knew more about how to get approved for a credit card. Menon recommends newcomers visit their local branch to apply for a secured credit card as soon as they arrive. 1 | Apply for a secured credit card

028 new Condo Guide jul 13 - Aug 10, 2013

the inventory boutique

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jul 13 - Aug 10, 2013 new Condo Guide 029

IN THE NEWS

continued…

requires that a certain amount of money be set aside to provide the bank with the security that the money will be paid back,” says Menon. “If used responsibly over time, a solid credit history can be built by paying credit card bills on time until eventually the credit rating is high enough to apply for an unsecured credit card.” 2 | Pay all of your bills on time and in full

Late bill payments have the potential to negatively affect a credit rating, so Raymond Chun, senior vicepresident at TD Canada Trust, recommends setting up preauthorized debits to avoid missing recurring bill payments. According to the research, 49 per cent of newcomers pay their bills through online banking and 30 per cent use a mobile app on their smartphone or tablet for banking services. “If you can’t afford to pay an entire bill, think about setting up an automatic transfer of the minimum monthly payment to avoid negatively affecting your credit rating,” says Chun. “And remember, even if your utility company gives you an extension on your monthly bill, your credit rating may still show that you paid it late.” 3 | Check your credit rating before applying for a mortgage

Eighty-seven per cent of newcomers didn’t know how to apply for a mortgage in their first three months in Canada and 38 per cent said they wish they knew more about local 030 new Condo Guide jul 13 - Aug 10, 2013

mortgage rules. Farhaneh Haque, director of mortgage advice at TD Canada Trust, says qualifying for a mortgage and favourable interest rate depends on a number of factors, including a solid credit rating. She recommends homebuyers check their rating at least six months before applying for a mortgage, so they have time to correct it if there are any flaws. “It can take up to 18 months to build a credit history robust enough to apply for a mortgage, but I encourage newcomers to meet with an expert earlier to learn more about the home buying process in Canada,” Haque says. “An expert can help calculate what’s affordable and provide guidance on how to budget to service mortgage payments, live comfortably and save for the future in Canada.” TD Canada Trust and new Canadians

Language can be one of the biggest challenges for newcomers when they arrive in Canada; 41 per cent found communicating difficult when they first arrived and 55 per cent said it was important for them to find a bank that offered services in their native language. TD Canada Trust offers telephone banking services in more than 170 languages, including the ability for customers to make an in-branch appointment with a financial advisor who speaks their native language. “We also found that many new Canadians like to bank on Sunday, so many of our branches open on Sundays are located in communities where there are large populations of new Canadians,” says Chun.

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jul 13 - Aug 10, 2013 new Condo Guide 031

the mortgage minute

What’s all the fuss about a

// by peter kinch

‘ market correction’?

Peter Kinch is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at peter@peterkinch.com

Every time there is talk about a market correction in Canadian real estate, the tone is quite negative. But let’s take a closer look at that situation: rather than argue about whether we may have a market correction, let’s analyze what it really means to Canadians if there is one. 032 new Condo Guide jul 13 - Aug 10, 2013

ick up any newspaper today and no one could blame you if you got a little worried about the state of the economy or the fear of a pending market correction in Canadian real estate. Are Canadians taking on too much debt? Have mortgage rules gone too far? Is there a housing bubble about to burst? What if there is a market correction? The real question is, “Do Canadian homeowners or prospective buyers need to be concerned?” Every time there is talk about a market correction in Canadian real estate, the tone is quite negative. But let’s take a closer look at that situation: rather than argue about whether we may have a market correction, let’s analyze what it really means to Canadians if there is one. First-time homebuyers If you’re a first-time homebuyer, you have likely felt the pinch of the rising cost of housing, and the new mortgage rules certainly haven’t helped any either. So a slight market correction would be welcome news; you can still get into homeownership with only five per cent down, but since your maximum amortization is now limited to only 25 years, a drop in pricing is exactly what you’ll need to be able to get into this market. Conclusion: A market correction is a good thing for you. Current homeowner buying or selling – moving up or downsizing It is very rare that someone buys something without selling something first, and vice versa. If you are a homeowner and you’re looking for the right time to sell your house so you can buy another, you may be concerned that the price of your current home is dropping. But let’s take a closer look at that: assume the value of the house you are

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selling drops by 10 per cent. Let’s also assume that you plan to buy another home (whether upsizing or downsizing). The key to remember in a downturn market is that the person selling their home to you is going through the exact same thing. In other words, if the value of your home dropped 10 per cent, so too did the value of the new home you are buying. Focus on what your bottom line “net” is, rather than what you thought or had hoped to sell your home for. Conclusion: In most cases, the net effect of a market correction is zero. Real estate investor or second-home buyer If you are buying real estate as an investment either for cash flow or as a second home, then this is the perfect market condition for you. When there are more sellers than buyers, you have more bargaining power. If you are able to negotiate a better deal and pay a little less for the property you are looking for, it simply makes the deal that much more affordable. Conclusion: You should be hoping for a market correction.

Over the last decade, a significant amount of the net worth of Canadians has been tied up in their home equity, and this has provided the foundation for a lot of retirement plans – so there is obvious concern.

Current homeowner with no plans to sell The majority of Canadians fall into this category, and let’s be honest – the single biggest reason we worry about a housing correction is the fear that it will erode our home equity and net worth. Over the last decade, a significant amount of the net worth of Canadians has been tied up in their home equity, and this has provided the foundation for a lot of retirement plans – so there is obvious concern. But should there be? Again, let’s look at the facts. For the majority of Canadians, the plan is to stay in their current house for at least the next three to five years. So here’s a simple fact: equity is only gained or lost the day you sell. In other words, if the value of your house were to drop by 10 per cent tomorrow, you may feel anxiety over the drop in your net worth – but it would only be on paper unless you actually sold your house tomorrow. If you have no intention of selling soon and you can still afford your monthly payments, then all you need to do is sit and wait and go about your normal life until the market bounces back – which it has done for the past 100 years. Conclusion: A market correction may very well have zero impact on you. In the end, the headlines will continue to talk of impending market corrections. The key for you is to decipher one of three things: 1. Is this a real concern? 2. Is this an opportunity? Or, 3. Are you just getting worked up about nothing? Bottom line: A lot of people will fret about this topic over the water cooler tomorrow morning – but the majority of them really don’t need to. jul 13 - Aug 10, 2013 new Condo Guide 033

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034 new Condo Guide jul 13 - Aug 10, 2013

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THE GRAND FINALE AT THORNHILL CITY CENTRE

Every great story deserves a grand finale. Introducing Legacy Park, the final chapter of Thornhill City Centre. Iconic architecture, modern urban suite designs and fabulous park views — Legacy Park is your final opportunity to live in this landmark community in the heart of Thornhill.

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jul 13 - Aug 10, 2013 new Condo Guide 035

MOVE-IN THIS YEAR!

Liberty Development is proud to offer a wide range of suites in communities that are â€œMOVE INâ€? ready this year! Visit us at one of our Sales Centres and learn about exciting new communities being completed at great locations throughout the GTA. Each within steps to shopping, dining, highways and with access to modern public transportation, find the Liberty home that is right for you and MOVE IN THIS YEAR! 036 new Condo Guide jul 13 - Aug 10, 2013

MOVE IN 2013!

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www.MyLibertyCondo.ca *As per price list. Limited time offer. Offer based on a select number of units. Price, information and program subject to change without notice. For qualified buyers on approved credit. All renderings are artistâ€™s concept. Prices, specifications and availability subject to change without notice. E&O.E. Brokers protected. See Sales Representative for details. jul 13 - Aug 10, 2013 new Condo Guide 037

IN THE NEWS

Ontario’s economic growth to pick up the pace in 2013:

RBC Economics Ontario’s economic growth is

expected to improve this year and next, due to employment gains, improving trade performance and still-strong housing construction at the start of 2013, according to the latest RBC Economics Provincial Outlook. RBC anticipates real GDP growth of 1.7 per cent in 2013 and 2.8 per cent in 2014, both up from 1.5 per cent in 2012. Ontario’s growth was reenergized in the early stages of 2013 after stalling in the second half of 2012. RBC indicates that Ontario’s international trade deficit decreased slightly, bucking the decade-long deteriorating trend and reducing its drag on economic growth, and the jobs market experienced significant progress. “We saw a jaw-dropping 51,000 surge in employment gains in May as well as year-to-date annual job growth jumping to 2.0 per cent, more than double the increase in 2012,” says Craig Wright, senior vice-

Ontario’s growth was re-energized in the early stages of 2013 after stalling in the second half of 2012. RBC indicates that Ontario’s international trade deficit decreased slightly, bucking the decade-long deteriorating trend and reducing its drag on economic growth, and the jobs market experienced significant progress. 038 new Condo Guide jul 13 - Aug 10, 2013

president and chief economist, RBC. “These encouraging developments should go a long way in convincing skeptics that Ontario’s economic engine has restarted.” On the external trade front, RBC notes that in the first four months of 2013, exports grew 0.5 per cent, despite momentary fatigue in motor vehicles and parts – Ontario’s top exports – which last year recorded a significant 17-per-cent increase. With U.S. auto sales in the midst of a solid recovery, RBC anticipates there is scope for further gains in auto sector exports. “Generally speaking, the U.S. economy is on an uptick, which bodes well for Ontario’s economy. We expect U.S. demand for the province’s goods and services to improve in the period ahead,” says Wright. In early 2013, the number of homes (or, more specifically, condos) under construction in Ontario were near 30-year highs, and residential investment remained a factor adding to growth. Nonetheless, RBC expects residential construction activity to slow later this year as sales and starts decline and homes under construction are completed. “While we anticipate slowing residential construction activity will leave a hole in the province’s economic accounts, strong investment in non-residential structures and infrastructures will more than fill it up,” says Wright.

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jul 13 - Aug 10, 2013 new Condo Guide 039

condo profile

Daniels’ NY2 Condominiums A community 2 good 2 miss at Bayview and Sheppard

here was a flurry of activity as The Daniels Corporation released NY2 Condominiums the final opportunity to own within Daniels’ multiaward-winning NY Towers community, at Bayview and Sheppard. Purchasers responded enthusiastically to the modern design, incredible location and fantastic homeownership opportunities that make this boutique-style residence so unique. Today, NY2 is already well under construction with occupancies starting as early as spring 2014. “NY2 has been met with an overwhelming response – anyone interested in becoming part of this fantastic homeownership opportunity should act now!” says Dominic Tompa, Broker of Record for City Life Realty Ltd.

040 new Condo Guide jul 13 - Aug 10, 2013

Following in the footsteps of the highly successful NY Place Condominiums, NY2 reintroduced Toronto’s most unique homeownership opportunity, by offering purchasers a Rent-to-Own option. Known for their out-of-thebox thinking when it comes to finding innovative ways to help people enter into homeownership, Daniels’ Rent-to-Own Program allows purchasers the opportunity to accumulate their down payment through their rent – a program that is exclusive to Daniels.

In addition to incredible homeownership programs, residents at NY2 will also be able to enjoy a fabulous array of amenities including the NY Café with Wi-Fi capabilities, cushy sofas and a flat-screen TV. The NY2 Party Room is perfect for both casual and glamorous entertaining both indoors and out, with its kitchen, large dining table, chic seating and outdoor barbecue area. Exercising will be a pleasure in the state-of-theart NY2 Fitness Centre, which offers a stretch area, cardio and weight training equipment – and no membership fees! Plus, Daniels didn’t forget those with green thumbs at this innovative condominium. The Outdoor Terrace on the seventh floor will include the NY2 Gardening Plots where residents can grow their own herbs, flowers and spices. It’s the perfect way to care the for the planet and connect with neighbours. The value-packed suites are constructed with Daniels’ renowned quality and designer decorated finishes such as nine-ft. ceiling heights, laminate flooring, granite kitchen countertops and Europeanstyle stainless steel appliances. Suites at NY2 start from the low $200,000s and range from studio to two bedroom designs. NY2 offers homeowners their final chance to live in this prestigious master-planned community, located just steps to the subway and minutes to shopping, dining and theatres. Bayview Village Shopping Centre, one of Canada’s most upscale shopping environments is literally across the street, offering easy access to luxury fashion retailers, amazing eateries, specialty foods and a multitude of services.

Barbecue Terrace

Garden Terrace

The Daniels Corporation (danielshomes.ca) is one of Canada’s preeminent builder/developers, with a reputation for quality and integrity in all forms of residential construction. Named the Tarion Warranty Corp.’s 2012 Highrise Builder of the Year and the recipient of the 2012 Toronto Arts and Business Award presented by the Toronto Arts Foundation, Daniels has built more than 24,000 homes throughout the GTA. 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 continually offers innovative programs that help people achieve homeownership, champions neighbourhood initiatives that enhance residents’ quality of life, and supports numerous charities and non-profit organizations. Don’t wait, act now – visit the Presentation Centre today to learn about Daniels’ incredible Grand Opening Bonus Incentives. The Presentation Centre is located at 27 Rean Dr., Unit 10. Hours are Monday to Thursday noon to 6 p.m.; Saturday, Sunday and holidays noon to 5 p.m.; Friday closed. For more information, call 416.221.3939 or visit ny2condos.com jul 13 - Aug 10, 2013 new Condo Guide 041

042

043

hot topic

// By Anthony Jong

ones give The Wonderful Which you the most bang World of Upgrades for your buck?

Anthony Jong BA (Hons), M. Arch. is a broker who specializes in residential homes, condos and commercial properties. He can be reached at anthonyjong@live.com, online at: anthonyjong.ca, and by phone at 416.836.2821.

e are living in a world where customization and individuality is sought in almost every consumer product in the world. From cellphone covers to running shoes to vehicle options, there is an abundance of choice. New homes are no different, and builders have long realized that giving buyers the ability to make upgrades is essential. Entering into a firm offer to purchase a new house or condominium is only half of the work. The most exciting part of a new home purchase for a buyer is going to the design centre and choosing colour schemes, finishes and upgrades. And, to make things easier, an interior designer pre-selects all floor, tile, and wall finishes/colours and groups them into three or four packages. However, there are rules and bylaws for condominiums that prohibit certain unit upgrades and renovations after you move in, and you will require the approval of your condo board. It is therefore recommended that upgrades be done through the builder to save time and avoid potential issues such as warranty concerns. For instance, if you move in and then decide to replace the tiles in your bathtub or shower with your own contractors, and over time there is water leakage caused by this work, the builder and Tarion may not cover the damage. Keeping the warranty in place for all components of your house or condo is a major advantage of upgrading through the builder. continued on page 46â€Ś

044 new Condo Guide jul 13 - Aug 10, 2013

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hot topic

continuedâ€Ś

Condo units are less likely than new houses to permit interior layout changes. However, minor layout upgrades to a condo unit always prove to be beneficial in the long run. The question then becomes: which upgrades are make the most sense for your real estate investment? Whether you decide to inhabit the unit, rent it out, or flip it on a quick sale, upgrades may protect the value of your investment and increase its salability in the future. Appliances Stainless steel appliances are the most

common upgrade. These appliances allow your unit to sell faster among your competitors within the same building. They are durable, rust-proof, non-porous, easier to maintain and aesthetically pleasing.

Floorplan modifications Condo units are less likely than new houses to permit interior layout changes. However, minor layout upgrades to a condo unit always prove to be beneficial in the long run. For example, adding a door to enclose a den enables the space to become a guest suite, nursery or private office. Floor finishes Buyers always question why there is carpet

in the bedroom and either hardwood or laminate in all of the other rooms. If the bedroom is carpeted by default, upgrade to the same flooring as the main living space of your unit. Hard floors are hygienic and significantly increase the resale value of the home. It is best to have the builder perform this upgrade; if you do it yourself, you may have a difficult time finding the exact type and colour of the flooring.

Kitchen fixtures and hardware The most sensible upgrades to a kitchen are material finishes and cabinetry extensions. It is certainly a plus if your unit has more cabinet space than a competitive unit. Builders also offer kitchen island upgrades that add functionality and storage space. Some other notable upgrades to the kitchen are: under-mount sinks, backsplashes, stone counters such as corian, granite or quartz, and drawer and cupboard dampeners. Lighting Having the builder add a ceiling light box in the bedroom is a great upgrade. For other rooms, the most unobtrusive method for lighting is pot lights. While it may be difficult to install pot lights in a typical condo unit, it is a very common and useful upgrade in new houses. Under 046 new Condo Guide jul 13 - Aug 10, 2013

eaves lighting is also highly recommended, as well as exterior landscape lighting. Electrical Some people prefer

extra electrical outlets on a large patio of a condo for light fixtures. Also, smart panels that allow all incoming telephone and cable services to be tied together before flowing throughout the house are an excellent and inexpensive option. If you purchase a house for a large family, itâ€™s a good idea to consider upgrading the electrical service to accommodate everyone living under the same roof. Builders typically provide a standard 100 or 125 amp service to a residential home. Larger families or buyers who want an extra kitchen in the basement should get a 200 amp service upgrade (a negligible cost in the whole scheme of things) to allow for more electrical equipment running at the same time.

Internet Accessibility Builders have Ethernet and fibre optic outlets for Internet connectivity in many new condo developments. However, in new houses, you may want the builder to pre-wire and install these outlets in the bedrooms and other areas of the house (such as the kitchen) for easy access to the Internet. This can be coordinated through a new smart panel. Upgrades vary from builder to builder, and it is important to see a list of available upgrades before you make a design centre appointment.

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Exclusive Listing: CityLife Realty Ltd, Brokerage. Brokers Protected. *Limited time offer. See Sales Representative for full details. Daniels’ Rent-To-Own Program is only available on a select number of suites. Prices, speciﬁcations and programs are subject to change without notice. Illustrations are artist concept. 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 written permission of The Daniels Corporation, is strictly prohibited.

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jul 13 - Aug 10, 2013 new Condo Guide 049

décor

An insider’s guide to creating

a stylish & functional nursery

Moms seem instinctively to know the importance of

creating a special nursery space where they can bond, interact and love every moment with their baby. In fact, a survey from PlaytexBaby found that an overwhelming majority of moms (87 per cent) agree that it’s essential to put time into making the nursery a great space for their little one. Yet, often times creating a nursery can be daunting, as moms strive to ensure this space provides functionality, while also conveying a certain style. To help simplify the process, celebrity nursery designer and founder of Bratt Decor, Mary Bauer, provides expert tips to help moms get started. “Moms are spending so much time in the nursery each day, so they want to create a room that is fun and stylish, but also one that’s functional – and you can have both,” says Bauer. “By following a few simple tips when creating a nursery, moms can ensure that their journey is easy and enjoyable, and that they end up with the ideal nursery space for themselves and her babies.” continued on page 52…

050 new Condo Guide jul 13 - Aug 10, 2013

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jul 13 - Aug 10, 2013 new Condo Guide 051

décor

continued…

Bauer’s tips include:

Make the most of your room size If you have a small space, avoid using small-scale furniture. Instead, use a few normal-sized pieces, and choose furniture that can do double duty – such as a changer that’s a dresser, or an ottoman with a storage compartment. Using soft, cool tones will also make your room feel larger. Create a convenient changing space Ensure that your changing table is well-stocked with baby wipes, diapers and an extra set of clothes right at your fingertips, so you never have a reason to leave your baby unattended. Position your diaper pail right next to the changing table and choose a pail that makes the whole process as easy as possible. The Diaper Genie II Elite Pail offers a convenient foot pedal, allowing you to hold your child and dispose of a diaper at the same time. Make it personal Adding personality doesn’t have to be super expensive – create your own personal touches in your nursery to make it meaningful to you. Include vintage photographs, your baby’s silver cup, framed family heirloom christening gowns, or anything else that means a lot. This gives heritage to a brand new space, and makes it all your own. Secure your sleep haven Whatever your budget is, don’t scrimp on the crib – it’s the place where your baby spends the most time without you and should be a safe and comfortable space. Check out the crib buying guide,

052 new Condo Guide jul 13 - Aug 10, 2013

safety reports and recalls through the Health Canada website – hc-sc. gc.ca – before making your purchase. Many models have been recalled in the last few years. It’s best to buy new, but if you’re being given a crib, make sure to check that it meets today’s safety standards and hasn’t been recalled. Create a timeless feel No one wants to redo their rooms every year with the changing trends. Keep furnishings – which are the big ticket items – timeless in design, and add trends with more affordable accent items like bedding and paint. For more tips and information, visit playtexbaby.com. ARA

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jul 13 - Aug 10, 2013 new Condo Guide 053

hot topic

Small-space planning Five steps to an efficient layout With your new condo purchased and the key in

hand, now comes the fun part – decorating! Small spaces require some careful planning in order to make the most of every inch while staying true to your vision of “home.” You can have your cake and eat it too – the secret to success is in the planning. Canadian furniture manufacturer Decor-Rest offers some tricks of the trade for decorating with confidence and transforming what’s between those four walls into a real home. #1 First impressions count

What’s the first thing you see when you enter a room? Is it pleasing? Inviting? Does it reflect what you want the room to say about you and your lifestyle? DecorRest suggests arranging your furniture so the entrance to the room is welcoming and establishes a good flow of traffic. Avoid blocking the main entrance to a room with bulky furniture. #2 Pleasing proportions

For furniture to serve its function, it must be well proportioned to the room. The rule of thumb is this: the smaller the room, the smaller the furniture pieces. According to Decor-Rest, “Whether the room is large or small, do not overcrowd the space with too much furniture.” This also applies to accessories and artwork.

Canadian furniture manufacturer Decor-Rest offers some tricks of the trade for decorating with confidence and transforming what’s between those four walls into a real home

054 new Condo Guide jul 13 - Aug 10, 2013

#3 Leave the traffic jam for the road

Avoid dodging around furniture, keep high-traffic areas clear, and ensure you can open doors without bumping them into your brand new coffee table. #4 Focus!

Plan your room around a focal point. Emphasize your favourite feature by arranging your furniture around it. Examine your space first to determine its architectural assets. Ask yourself, does it have a great view or a cosy fireplace as its main feature? If you’re uncertain about where to start, choose your carpet first – it can be the inspiration for the rest of the colour scheme and theme. #5 Measure twice, buy once

Have you ever bought a couch and brought it home, only to realize it doesn’t fit through the door? The old “measure twice, cut once” adage will save you frustration, time and money. Always make sure the door size will accommodate the largest furniture piece. Don’t forget to take your tape measure into the stairwell/elevator and corridors too.

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055

fundamentally speaking

// by wayne karl

tips to Buying your Four help guide first home? your decision when searching for a home; the more of them your house has when you go to sell, the more it will be attractive to a greater number of people. While experts suggest you take a long-term view when buying a home, it’s also important to not look too far down the road. Let’s be honest, your first home may not be your dream home, and your needs and desires are sure to change throughout the various stages of homeownership. So, while the answers to the above questions are specific to circumstances, there are also some common guidelines you can follow. Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne. karl@wall2wallmedia.com or follow him on Twitter at Twitter.com/WayneKarl

hen you’re buying your first home, you are sure to be filled with many important questions. How much can you afford? How much will it all cost? Where do you really want to live, and can you afford the area? And, finally, what type of home do you want? The answers are very individual: it really depends on your situation – from the amount of your down payment to where you work to whether you have kids to other personal circumstances. For your enjoyment while you live in your home, as well as for future resale potential, proximity to transportation, shopping, schools and other amenities is among the key determinants that affect your property’s appeal, and ultimately its value. After all, those are the qualities potential buyers look for

056 new Condo Guide jul 13 - Aug 10, 2013

01 How much can you afford? Experts agree it is never a good idea to make yourself house-poor, and it is a very common mistake, particularly of firsttime buyers, to buy more home than you can really afford. Meeting with a mortgage broker or your banker will help determine your full financial picture, assessing everything from your credit rating to how much you have saved for a down payment. Experts also suggest you “stress-test” your plan to see how well you could cope with higher mortgage payments brought on by rising interest rates. 02 How much will it really cost? Another common homebuyer mistake is not being prepared for all the closing costs involved: lawyer fees, land transfer taxes, utilities, insurance, and home inspection and appraisal fees and insurance. All of these costs add up, and ultimately should factor into your overall home-shopping budget. 03 Where do you want to live? This question is becoming more important for a number of reasons, though influenced primarily by where you work, how much of a commute you want and whether your transportation options include mass transit or only driving. Indeed, especially with gas prices on the rise, proximity to mass transit is something more and more people are looking for in their new home location. It may not be as simple as choosing to live in the city, suburbs or a small town. 04 What type of home do you want? Once you have determined your options for cost and location, you can then assess what types of homes are available in your price range and desired neighbourhood: Single-family detached, semi-detached, townhome, duplex or condo?

Some many questions, so many choices. The good news is, home builders today are in sync with customer preferences for location and amenities, and with market realities with regard to pricing and needs for energy efficiency, so your options for new-home product have never been better.

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The 691 sq. ft. one-bedroom Lavender design is a spectacular and popular example. Round the corner from the entry of this spacious open-concept layout, and notice the infusion of natural light from multiple windows. In fact, for purchaser Nader Farhat, this was a major reason for choosing the Lavender design facing southwest as his new home. “I love the sheer number of windows I’ll have for natural light, and the views will be wonderful.”

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I love the sheer number of windows I’ll have for natural light, and the views will be wonderful.

”

- Nader Farhat PURCHASER OF THE LAVENDER SUITE ONE PARK PLACE

Taking open concept to a new level, the main for entertaining or simply kicking back after w those stunning city views. Daniels worked wit designers Cecconi Simone to create a modern kitchen, equipped with top-of-the-line stainles Quartz countertops. An extended free-standin this space even more dynamic and flexible.

This awesome custom multiof storage space, additional stainless steel tray to chill drin or keep paperwork. What m functional is that it can be use

The Living / Dining Room offers ample space best suites your lifestyle needs. Access to the possibility of container gardening in this out located next to the luxurious Bathroom, and behind sliding doors at the Entry is incredibly

THE

YOUR SPECTACULAR PANORAMIC VIEW FROM THE LAVENDER SUITE

LAVENDER SOUTHWEST VIEW

ONE BEDROOM SUITE AREA: OUTDOOR AREA: TOTAL AREA:

BUY TODAY AND RECEIVE OUR INCREDIBLE LIMITED-TIME BONUS OFFER:*

D/W

ISLAND

BEDROOM 9’9” x 9’10” KITCHEN

DEPOSIT -

PARKING -

$8,800

BATH

LOCKER -

FREE!

MAINTENANCE -

FREE FOR 1 YEAR!

n living area is ideal work and gazing at th renowned interior n and functional linear ss steel appliances and ng kitchen island makes

-purpose island offers a lot counter space and an inset nks for special dinner parties makes this island even more ed as a dining table for four.

to customize your furniture in a layout that e Balcony adds another dimension, with the tdoor space. The Bedroom is conveniently d having the washer/dryer and coat closet y practical.

691 SQ. FT. 59 SQ. FT. 750 SQ. FT.

W D

ENTRY

At One Park Place, purchasing with Daniels’ Gradual Deposit Payment Plan* is as easy as 1, 2, 3...

BUY WITH

Pay $3,500 with the Agreement of Purchase and Sale

Pay $1,000 each month until you reach 5% or occupancy

Own your new home at One Park Place

PLUS...

REDIB* LE C IN N A E IV E C E R FER: LIMITED-TIME OF PARKING - $8,800 LOCKER - FREE! YEAR! 1 R O F E E E C R N F A N E T MAIN

Parliament St.

Gerrard St. E

Oak St. Cole St.

Regent St.

Arnold Ave.

Milan St.

Dundas St. E

CONSTRUCTION IS ALMOST COMPLETE – LOCK INTO TODAY’S LOW MORTGAGE INTEREST RATES! Sackville St.

ASK ABOUT

CALL OR VISIT US TODAY!

416.955.0559 DanielsOneParkPlace.com

One Park Place Presentation Centre 500 Dundas St. East, Toronto Mon-Thurs: 12pm - 6pm Sat, Sun & Holidays: 12pm - 5pm Fri: Closed

Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artists concepts. Prices, programs and 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. *Limited time offer. Conditions apply. See Sales Representatives for full details.

ACT NOW! MOVE IN TO YOUR NEW HOME THIS YEAR! As for location, location, location, One Park Place residents live in the convenient location of Dundas and Sumach Streets, off of the community’s pedestrian-friendly Urban Mews. From this gathering spot, residents can walk to the 6-acre park on Dundas, the Regional Aquatic Centre, the new Toronto Community Centre, Daniels Spectrum — a 60,000 sq. ft. cultural hub for dance, music, theatre and film, numerous retailers including Sobeys FreshCo., and let’s not forget the neighbourhoods local hot spot — Paintbox Bistro!

NEW URBAN MEWS

PAINTBOX BISTRO

Within One Park Place Condominiums, suite owners will have exclusive use of over 45,000 sq. ft. of indoor and outdoor amenities at CLUB UNO, including a half-court Gymnasium, two Squash Courts, a Fitness Studio, Indoor/Outdoor Yoga and Pilates studio, a Party Room, Billiards Room and several Lounges. Resident Gardening Plots on the fifth-floor Outdoor Terrace will make it easy for homeowners to grow their own herbs, flowers and spices. The Daniels Corporation (www.danielshomes.ca) is one of Canada’s preeminent builder/developer, having been building new homes and communities for over 31 years. Named the Tarion Warranty Corporation’s 2012 High Rise Builder of the Year and the recipient of the 2012 Toronto Arts and Business Award presented by the Toronto Arts Foundation, Daniels has built more than 23,000 homes throughout the GTA.

B CLUO

HALF-COURT GYMNASIUM

Already well under construction, One Park Place offers suites starting from the low $300,000s, and there is still a fantastic selection of home designs to choose from. Plus, Daniels is making homeownership more attainable by offering their 5% Gradual Deposit Payment Plan. Purchasers pay $3,500 with the Agreement of Purchase and Sale, and then $1,000 each month until they reach 5% of the purchase price. In addition, if you act now, Daniels is making purchasing your new home at One Park Place even easier with an incredible limited-time bonus offer* of parking for $8,800, a free locker, plus free maintenance for a year. But that’s not all! Be sure to ask about Daniels’ FIRST HOME BOOST Program, where qualified buyers can increase their down payment from 5% to 15% of the purchase price through an exclusive interest-free, payment-free loan. The opportunity for homeownership is amazing!

CALL OR VISIT US TODAY!

416.955.0559 DanielsOneParkPlace.com

057

around the house

Colour tips for living in comfort What makes a beautiful room? Interior designers tell us it’s not how fancy and ornate it is, but how comfortable. Country rooms, for example, are typically geared to being more comfortable than presentable. But even in the city, we usually prefer being in the den to being in a formal living room. Beauty, designers insist, is not how a room looks, as much as how it feels. At heart, most of us simply love to put our feet up. Things that are old, worn and familiar give us comfort. Everything from slippers and jeans to couches and kitchen tables – entire rooms – feel better when they lose the perfection of newness. We can easily create comfortable rooms if we trust our natural inclinations and choose what feels good, instead of decorating for guests. For clues, look to rural life and choose things that evoke a time when the pace of life was slower and furnishings were simpler and made closer to home. Country colours are comfort hues, say the colour experts at PPG Pittsburgh Paints, like those in their Local Revival trend palette. For example, Poppy Pods (526-6) is the colour of chocolate and coffee. Earl Gray (522-5) is the taupe of clay, and Pralines and Cream (117-3) is an aged and unbleached 058 new Condo Guide jul 13 - Aug 10, 2013

white. A clean, bright, “new” white would be too formal for comfort, the company says. But this year, because we want bold hues to bring neutrals to life, PPG added two reds: Rum Punch (231-7), the classic red of apples and gingham; plus its slightly faded sister, Burnt Red (133-7). PPG says this palette is meant to work with the landscape, which provides abundant complementary greens. Another suggested rule of thumb: when you are going for comfort always choose matte finishes over shiny ones. Matte is what happens to shiny surfaces over time. When it comes to furnishings, antiques that are sturdy and practical, unfinished or gently refinished are best, because their flaws will help relax the room. “And mix in things that don’t match,” suggests Janice Lindsay, of PINK colour + design. Introduce hand-made or artisanal one-of-a-kind objects. Lindsay discourages clients from hanging poster prints of famous works of art, in favour of interesting art objects, especially if they are home made. “Rooms that are put-your-feet-up comfortable will not be special-occasion rooms. They will be every-occasion rooms, which are the best kind of all.” NC

059

condo pro

// by barbara lawlor

Onward & upward with upgrades

W Barbara Lawlor is president 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

hen you purchase a new condominium suite, you obviously want the most for your money, including the features and finishes that make your living spaces practical and beautiful. The great news is that condominiums in Toronto today are packed with standard features that were considered upgrades years ago. When you look at what your purchase price includes, you will most likely be ecstatic with the quality of your appointments. In fact, many condo purchasers tell us that they feel the standard features are just fine. In fact, as someone who has travelled extensively with Baker Real Estate, I can tell you that we have the very best choices in North America right here in Toronto. If you do wish to upgrade â€“ and there are absolutely gorgeous choices available nowadays â€“ consider your choices wisely. Do some homework before your colour selection appointment, where you will decide on the items that transform your suite into your home. Focus on two key areas: elements that will make your life more comfortable, and those that will potentially boost your resale value in the future. Take hardwood flooring for an example. In some condominiums this comes standard. If not and you suffer from any kind of allergies, you may find choosing this as an upgrade is beneficial for your health. Hardwood is definitely a plus when selling a home, so electing to add it can serve a dual purpose. And frankly, hardwood comes in an amazing assortment of colours and textures nowadays. Add an area rug here and there, and you can change your look every few years with little financial outlay. Are you interested in the Green movement? If so, you may want to consider upgraded finishes that will leave a lessened carbon footprint on the environment. Think natural. If granite countertops are not standard in your kitchen, you may want to select them as an upgrade, or quartz or Caesarstone. Nothing beats the beauty and durability of natural stone.

Before your colour selection appointment, do some research, and pay attention to what the design consultants advise. These professionals are experienced in working with compact condominium spaces. 060

Another thing to keep in mind when selecting upgrades is to focus on kitchens and bathrooms, particularly if your budget is limited. These rooms are extremely important to buyers, as I am sure they are to you. The options are amazing today, with fabulous self-closing drawers, elaborate closet organizers, cabinetry with glass fronts for displaying special dishware, and even paneled appliances. Since many suites feature linear kitchens that are completely open to the living/dining area, the paneling makes the appliances look more like furniture and therefore a natural extension of this space. And when you think kitchens, think tall upper cabinets, under-counter valance lighting and useful gadgets like wine fridges. When it comes to the bathroom, people are really going for a spa look, so we are seeing more marble and sustainable stone flooring.

There are so many other possibilities such as cornice moulding, enhanced wiring, built-in shelving, bullnose edges on counters, extended islands and the like. Remember that in the future if there are two comparable suites up for resale, all other things being equal, buyers will usually choose the one with the better finishes. Before your colour selection appointment, do some research and pay attention to what the design consultants advise. These professionals are experienced in working with compact condominium spaces. They are familiar with the spectrum of styles, and they tend to choose excellent combination palettes and finishes. If the multitude of choices seems overwhelming, your design consultant can help you envision what your new surroundings will look like. Most importantly, when deciding on your selections, choose what will make your suite feel like â€œhome.â€?

jul 13 - Aug 10, 2013 new Condo Guide 061

designer touch

// by erica gelman

shopping like a pro a lot of time, it will save you from costly mistakes like purchasing an oversized sofa, for example, which will not fit through your door.

Toronto-based interior stylist and designer Erica Gelman, Principal of Erica Gelman House of Design specializes in both large and small scale residential design projects throughout Toronto and the GTA. Known for enhancing and creating new possibilities in every space of your home. House Of Design ericagelman.com

ave you ever wondered how interior designers just know how to get started on a design or decorating project? Have wished you could too? Well, you can – and I’ll show you how to get the most out of your decorating project by shopping like a pro. 1 Start with a Plan A plan is the

most important element of your shopping excursion. Before you step foot outside your door, know where you are going and what you are looking for. We always begin with a consultation to determine what our clients already have, what pieces we can repurpose and what new items we should look for. We like to call that home inventory; make a list and stick to it. Also, in your planning stage, include a measured floorplan which clearly indicates windows, doors and any other obstructions to your space. Although the planning stage takes up 062 new Condo Guide jul 13 - Aug 10, 2013

2 Get Inspired Inspiration comes in different forms for every individual. It can be through art, fashion, nature or even a colour scheme that evokes your inspiration. Whatever it is that excites you and gets you inspired, try to develop a design direction from that before you head out shopping. We like fabrics as a starting point as we execute a storyboard of textiles. Some of my favourite fabric retailers are: Kravet, Crown Wallpaper & Fabrics, and Designer Fabrics on Queen Street. You can ask for lender samples, which are perfect to take along with you everywhere you go. Look for complementary or coordinates to your selected fabrics and layer your scheme. 3 Bring your samples with you Don’t leave home without your samples. Once we have the fabrics and developed a colour scheme, we always take the swatches along with us. It is so important to get the right shade or perfect tone when comparing different retail objects. Many times you can’t remember the exact colour of your chair fabric, so having the swatches with you will aid in making the right decision. Also, when we pull out paint samples, it may not be the colour we are necessarily applying to the walls but rather the ones we are building the plan through. This is especially important when it comes to selecting large-scaled items like your area rug; because it is such a prominent feature in your space, you want it to be the perfect tone and balance the other finishes. 4 Take your time Shopping is exhilarating, it is fun, but it can also be

overwhelming. I’m a firm believer that it does not have to be done in one day. On the contrary, if you speed up your shopping you’ll end up making decisions based on time and not on what actually works. I suggest bringing your camera with you and taking as many pictures as possible. You may find that once you’re in the comfort of your own home, you no longer have the same admiration towards that chandelier as you once did in the bright and sparkly showroom. If you’re shopping for vintage or purchasing through a consignment store, ask if you can bring the items home to see if they work in your space; this is typically for smaller items like lamps, vases or decorative objects.

Erica’s Favourite Shops For vintage one-of-a-kind finds Decorum decorum.1stdibs.com

For accessories Artefact artefacts.ca

Designer fabrics designerfabrics.ca

Lighting & accessories Union lighting unionlightingandfurnishings.Com

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jul 13 - Aug 10, 2013 new Condo Guide 063

design inspiration

// By David Hirsh

Location, Location, Community

David Hirsh is President and CEO of Brandy Lane Corp. Known for his creative and innovative approach to residential design, Hirsh prides himself on his hands-on approach to all stages of the development and building process. The company’s newest community is Wyldewood Cove, coming soon to Collingwood. Visit brandylanehomes.com

our home is so much more than the walls that define your living spaces. It’s more than the furniture and hand-picked accessories that reflect your personal style. It goes beyond modern appliances and a fancy 50-in. television. Your home extends beyond your house or condominium and indeed, includes everything located directly outside your front door. Everyone has heard the number one rule in real estate – location, location, location. This has become quite the cliché, but that’s because it’s absolutely true. Where your home is located is just as important as your home itself. “Coming home” is as much about arriving at your favourite neighbourhood after working or an evening out, as it is about physically entering your residence. Now, mind you, we may

064 new Condo Guide jul 13 - Aug 10, 2013

all have different ideas of what exactly makes a neighbourhood our personal favourite, but it’s fair to say that local amenities are often key. Amenities include nearby shopping, dining and entertainment venues. Proximity to schools, hospitals and public services might also top one’s priority list. Exactly which amenities are required to make a neighbourhood complete will vary from one person, couple and family to the next, but the main purpose of these amenities is common to all – to add to the convenience and enjoyment of your everyday life. Residential builder/developers are responsible for not only constructing the homes, but also for the evolution of the surrounding community. There are two ways of looking at this process. A builder might pick a prime area in which to build – one that is an appointed hot spot. In this case, the new residential project would be adding to an already established and most likely well-serviced area, making it even more desirable. Residential development can also lead to the creation of new businesses and growth in the economy. That’s a win-win for both builders and homeowners. However, the biggest opportunities for change lie in building residences in up-and-coming areas. These types of developments are certainly more challenging, but are also very rewarding for both the builder and the homebuyer. When this happens, you’ll likely see a builder creating a unique neighbourhood where one did not exist before, that realizes its future potential. Once this type of development begins, the builder becomes a catalyst in the creation of initiatives that are undertaken by the city or municipality to improve existing infrastructure such as building new schools and public transit expansion. A homebuyer will usually benefit from being able to purchase real estate at a lower dollar amount, as the perceived current value isn’t as high as it would be in an established area. This investment will then grow over time. All of this boils down to the same thing – in order to build homes and communities that truly serve homeowners, a builder or developer must understand the potential clientele they are serving. A good builder will know their client well and will be able to build according to what they need in an area that will service their desires. Now that’s the epitome of community!

Amenities include nearby shopping, dining and entertainment venues. Proximity to schools, hospitals and public services might also top one’s priority list.

THE STATION PRESENTS A

PERFECT 10!

SAY WHAT?

Buying a condo can feel daunting. You put down a deposit and you scrimp and save, putting every penny toward your down payment until construction is complete. Sometimes the most exciting purchase of your life can feel like a sacrifice. But not at The Station. With our new Perfect 10 Program, you pay $10,000 up front, then top up to 10% down (minus your original $10K*), over 10 months. And every month, we’ll treat you to a fabulous gift.** It’s a win-win.

MONTH 1

MONTH 2

MONTH 3

MONTH 4

A Niagara Falls adventure for 2.

A spa package for 2.

A shopping spree at Decorium.

Dinner at Paese Ristorante for you and 3 friends.

MONTH 5

MONTH 6

MONTH 7

MONTH 8

A day of golfing for you and a friend at an urban golf course.

A private 4-person chef’s dinner on top of the CN Tower.

A trip for 2 to Las Vegas.

A shopping spree at Yorkdale.

MONTH 9

MONTH 10

A shopping spree at Best Buy.

A sleek new MacBook Pro.

As if all that weren’t enough, you get an amazing new home. Layouts with expansive living areas, and spacious balconies. Terrence Lukas-designed interiors. Oversize showers, windowed ensuites, stainless steel appliances, and eco-friendly laminate flooring throughout. Plus, fabulous amenities like The Studio Club, fitness centre and Urbanas, the city’s first indoor/outdoor party rooms, complete with heated barbeque terrace. Located directly on the subway, and minutes from Yorkdale, The Station offers more convenience, quality, and value than any other project.

CONSTRUCTION IS NOW WELL UNDER WAY. VISIT US TODAY AND MAKE YOUR DAY A PERFECT 10. FROM THE LOW $400’S.

YORKDALE MALL

WILSON AVE TIPPETT RD

ALLEN RD

WILSON SUBWAY

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On Tippett Road, south of Wilson Avenue / Mon to Thurs 12–6pm Sat + Sun 12–5pm *It sounds complicated, but it’s not. If you’re really into math, we’d be happy to break it down for you. **Conditions apply. Gifts have no cash value. See sales rep for details. Prices, specifications and deposit structures are subject to change without notice. E. & O.E. Exclusive Listing Brokerage: The Condo Store Realty Inc., Brokerage. Brokers protected.

jul 13 - Aug 10, 2013 new Condo Guide 065

IN THE NEWS

Human generated power

lights up Toronto skyline with RAW ENERGY Immersed in the core of Toronto’s

grid, architecture firm RAW pushed boundaries through the roof of a downtown parkade to create RAW Energy – a people powered installation and industry event. Each year RAW attracts hundreds from the skyscraper

often hard to “wow” design and architecture community to a provocative event geared to stimulate the senses. This year RAW Energy attracted more than 1,000 guests from the design and development communities to celebrate the role of human ideas and human power behind the transformation of cities. “While cranes and machinery seemingly build our urban landscapes, we wanted to remind guests the role people have in creating the ideas that shape our future environments,” says Roland Rom Colthoff, director of RAW. Harnessing human power, a custom designed life-sized hamster wheel propelled by elite athletes helped power up the sounds of celebrity DJ Alex Merrell, the official DJ for Taio Cruz and international favourite of many high-profile global brands from W Hotels to Dior. Bicycle generators from ASE Power in Arizona discharged electricity back into the party grid; an hour a day on one of ASE’s generators can provide five per cent of the power for the average downtown living space, making it particularly popular with eco-conscious condo owners. These compact generators have been used in buildings and events around the world, including the premier of NBC’s Revolution. Powered by teams of triathletes, MonkeyLectric animated bike wheels with a graphic light show set against Toronto’s downtown skyline. RAW Energy adds to the continuous stream of playful pop-up design destinations curated for RAW’s annual industry parties. Memorable RAW party experiences included the smell of fresh bread baking in Toronto’s oldest working bread factory, live wrestling matches, and last year’s comic strip playground on Ossington that provided a life-sized graphic commentary on the creative process behind Toronto’s shifting landscape. Like RAW’s projects, each RAW party installation evolves from an analysis of the venue’s site and context. “Toronto is currently the number one skyscraper city in North America. With a scarce amount of open space left downtown, we wanted to emphasize Toronto’s changing city skyline and illustrate that it’s human ideas and experiences that are fuelling its rapid transformation,” says Colthoff. continued on page 68…

066 new Condo Guide jul 13 - Aug 10, 2013

-964 *65-,9,5*, *(33 ;6 *<9;(05 *(33 88 Scottâ€™s ideal location within the St. Lawrence neighbourhood VU [OL LKNL VM [OL Ã„UHUJPHS KPZ[YPJ[ THRL P[ HU VW[PTHS JOVPJL UV TH[[LY ^OH[ [OL [PTL VM KH` ;OPZ JV]L[LK HKKYLZZ MYVT *VUJLY[ JVU[PU\LZ [V JHW[\YL [OL H[[LU[PVU VM KPZJLYUPUN I\`LYZ (STVZ[ OVTLZ OH]L ZVSK PU HSVUL

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Most homes priced from $400,000 to $1.5 million

jul 13 - Aug 10, 2013 new Condo Guide 067

IN THE NEWS

continued…

Memorable RAW party experiences included the smell of fresh bread baking in Toronto’s oldest working bread factory, live wrestling matches, and last year’s comic strip playground on Ossington that provided a life-sized graphic commentary on the creative process behind Toronto’s shifting landscape. 068 new Condo Guide jul 13 - Aug 10, 2013

As kinetic movements fed the party glow, Sublime Catering electrified taste buds with dry-ice seared seafood, Caesar gazpacho popsicles with shrimp and sous vide beef marinated in smoked paprika. Malivoire Wines provided sustainable Ontario wine pairings for guests to savour. For dessert, ethically sourced artisan cocoa grinder Chocosol harnessed their own pedal-power machinery to produce iced chocolate drinks, including energizing Mayan style drinking chocolate – all pedal blended on the spot. Ontario craft brewers, Mill Street and Beau’s Beer offered guests a circuit of brew and, for a pit stop, partygoers re-energized with iced espresso cocktails served up by beloved cyclist destination, Café Domestique-Café Cycle Sportif. To finish off, Ninutik (Maple Sugar) crafted elegant and modern maple covered treats. To get plugged in to RAW, visit rawdesign.ca

IN THE NEWS

Parkway Forest “LEED silver candidate”

COMMUNITY CENTRE BREAKS GROUND

ELAD Canada Inc. recently hosted a groundbreaking ceremony for the Parkway Forest Community Centre, an important component of the Parkway Forest master-planned community, Emerald City at Don Mills Road and Sheppard Avenue. The Diamond Schmitt Architects-designed Parkway Forest Community Centre is a 50,000-sq.-ft. facility with a Green roof, a commercial teaching kitchen and an adjacent Rooftop Garden. Programming spaces and facilities will include the first full-size gymnasium in the neighbourhood plus a running track, multi-purpose room, arts and crafts room, youth lounge, meeting room, weight room, aerobics and dance studio, and a YMCA-run daycare — another first, as the first purpose-built child care space in this community. An outdoor pool and pavilion with change rooms is also part of the complex. The centre is being built to achieve Toronto’s second LEED Silver Certification for a community centre, childcare and outdoor pool with Pavilion. It also marks the first community recreation infrastructure to appear in the neighbourhood in 20 years, making the groundbreaking special for the residents, the city and the developer. The community centre will be part of Emerald City, a master-planned highrise community under construction in the neighbourhood. Designed as a family-friendly, lifestyle-oriented urban option, the comprehensive plan for Emerald City includes a pedestrian-friendly plaza and 13-acre family park with children’s playground in addition to the Parkway Forest Community Centre, ideal complements to existent amenities that include schools and a library. “The vision of Emerald City as a family-oriented haven within Toronto takes another big step towards realization with the groundbreaking for the Parkway Forest Community Centre,” said Don Valley East Ward 33 Councillor Shelley Carroll. “Building residences isn’t enough. It takes a 070 new Condo Guide jul 13 - Aug 10, 2013

community hub like this to connect people to the neighbourhood, to one another, and to healthy lifestyle choices. As a vital component in the overall vision for Emerald City, and in the continuing evolution of North York, the Parkway Forest Community Centre will provide a safe place for children and youth to come together in activities that expand their minds, strengthen their bodies, and help define for them what a community can and should be.” “As a developer, our commitment is not just to build great condos, but to take a leading role in building great communities,” said ELAD Canada’s Vice-President, Development and Marketing Netanel Ben-Or. “To be able to contribute such an important neighbourhood component as the Parkway Forest Community Centre to the overall plan for Emerald City is something we see as a duty. It’s a tangible way to let residents know we care about the quality of their lives and that of their families.” When completed, Emerald City will add 2,500 residences to Parkway Forest, a neighbourhood near Fairview Mall, the Sheppard subway, Hwys. 401 and 404, with easy access to downtown. WZMH Architects in 2011 received an Urban Design Award from the City of Toronto for their work on Emerald City. The first three condominium towers, in Block A of Emerald City, are under construction with occupancies available starting this October. For more information, visit dreamtower.ca

100% more Subway Stations.

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Luxury Amenities Planned community Under construction Move in 2014 From the mid 200’s

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PRESENTATION CENTRE HOURS: Mon - Thurs 11am - 6pm Sat - Sun Noon - 5pm Closed Fridays

CONNECT WITH US:

EmeraldCityLife.ca facebook/emeraldcitylife 416.492.0001

Exclusive Listing: Baker Real Estate Incorporated, Brokerage. Brokers protected. Prices and specifications are subject to change without notice. Limited time offer that may be withdrawn at any time without notice. Please see sales representatives for details. Rendering is artist concept. E.&O.E.

jul 13 - Aug 10, 2013 new Condo Guide 071

condo profile

Emerald City Now is a perfect time to buy

or anyone shopping the condo market today, one of the first things you’ll notice is that not all condo developments are created equal. Emerald City is a master-planned community right at the corner of Don Mills Road and Sheppard Avenue, just across from Fairview Mall. It’s the big, bold vision of the renowned developer, ELAD Canada. Three towers are currently under construction, with move-in for Emerald City tower one slated for later this year. Compare all Emerald City has to offer and you’ll soon discover the incredible value it offers its owners. First, the Don Mills Subway station is directly below Emerald City Tower 1 and offers easy access to the subway 072 new Condo Guide jul 13 - Aug 10, 2013

transit option. Of course, the above ground TTC takes you in all directions. If you prefer driving, the 404/Don Valley and 401 are just seconds from your door. Next, consider the value of having Fairview Mall just steps from your front door. Some of Canada’s best stores and all the shopping you’ve dreamed of. From high-end boutiques and department stores to restaurants, doctor’s offices, movie theatres and so much more. All this, just across the road from where you live. Now consider the suites themselves. Luxury in every corner. Soaring ceilings heights with floor to ceiling windows and bigger suites provides that airy atmosphere condo buyers are looking for today. Elegant, gourmet kitchens are ideal for entertaining. Expansive balconies and terraces provide incredible views of the city and beyond. The development itself sits on one of the highest elevations in North York. There truly is no reason to compromise in today’s market.

Emerald City is a master-planned community right at the corner of Don Mills Road and Sheppard Avenue, just across from Fairview Mall. It’s the big, bold vision of the renowned developer, ELAD Canada. Emerald City offers a full range of family-friendly amenities such as a swimming pool, party room, landscaped terrace, a gym and exercise facility and a yoga studio. Other amenities include a lounge, private theatre and guest suite. Just beyond the towers, you’ll discover a masterplanned community including a 50,000-sq.-ft. community centre, outdoor pool and daycare. Schools and parks are all within walking distance. ELAD Canada is building a strong reputation for innovation in the Canadian market. They tend to focus more on developing long-term communities rather than single tower initiatives and have an impressive list of projects in Canada including developments in Montreal and Toronto. Emerald City has a Facebook page with up to the minute information about what’s going on at facebook. com/emeraldcitylife. Model Suite is Open

The best way to experience Emerald City to visit our fully furnished, two-bedroom model suite. Come to the Presentation Centre on the South/East corner of Sheppard Avenue and Don Mills Road between 11 a.m. to 6 p.m. Monday to Thursday and from noon to 5 p.m. on weekends. You can also book an appointment right now at emeraldcitylife.ca or by calling 416.492.0001. jul 13 - Aug 10, 2013 new Condo Guide 073

GTAâ€™s exciting free monthly home design magazine Featuring the newest products and hottest design trends for your home, inside and out.

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HarmonyVillage.ca (SS WYPJLZ ZPaLZ HUK ZWLJPÄJH[PVUZ HYL Z\IQLJ[ [V JOHUNL ^P[OV\[ UV[PJL Rendering is artist’s impression. E. & O. E. Images are for mood and impression only.

075

design tips

// by lisa canning

Personalize your space with art

Lisa Canning is a designer and owner of Lisa Canning Interiors. lisacanning.ca, 416.587.9780

photo by arnal photography

rt provides the opportunity to express your style in a very personal way. While art can often get put on the back burner after the dust of a renovation has settled, the personalized story that art tells about a homeowner shouldn’t be forgotten. Today, there are many avenues in which art can be purchased, so making your personal mark on your home might be easier – and less expensive – than you think. The first place I go when selecting art for a client is a traditional gallery. In Toronto, Canvas and Art Interiors are my local favourites. The staff is trained to assist you in picking just the right piece for you and your space. And best of all, a gallery will often allow you to borrow the pieces for a time period to “test drive” in your home. As the art on your walls can really

076 new Condo Guide jul 13 - Aug 10, 2013

change the colour scheme and mood of a room, being able to see it in the context of the rest of your space makes for a stress-free investment. A visit to a gallery is also a great way to find new emerging artists, and support their work at more introductory prices. Additionally, I love to invest in artists by commissioning custom pieces. When you commission a piece, you can work with an artist to get exactly what you want, and this has yielded gorgeous outcomes for many of my clients’ spaces. Artist Becky Simpson of RLS Studios will take a client’s photograph, enlarge it to their desired size, and through a wax transfer technique called encaustic painting, create beautiful, textured, large-scale works. The texture created through the dripping wax is truly unique. I also love working with New Brunswick-based abstract artist Matt LeBlanc, who will take my client’s paint and furniture colours and create an abstract piece customized to their existing décor. He ships them to me in Toronto and it is always a fun surprise to see what he has come up with. Commissioning a custom piece of art is a great way to support the local art community and to ensure you have a truly one-of-a-kind piece on your walls. Lastly, I love using personal photographs to create art. This can often be an inexpensive approach when conscious of budget. If a digital image is large enough, I will take it to a local print shop, enlarge the photo to poster size, and place it in a modern frame. With digital software it is also easy to manipulate an image to change the colours, increase the contrast, or crop for dramatic emphasis. Additionally, Internet sources like canvasstock.com will take your digital file and transfer it onto a stretched canvas, giving you a gallery look without the gallery price tag. Art doesn’t have to be complicated. It just has to be “you.” With the multitude of ways that art can be purchased, whether on foot or online, the perfect piece for your space is waiting to be discovered. PICTURED

Add a personal touch to your walls by using your own photographs in a custom painting like this one by Toronto encaustic artist Becky Simpson of RLS Studios. Photography by Tanja Tiziana-Burdi

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Hours: Monday to Wednesday 12 p.m. - 7 p.m. Thursday & Friday by appointment only. Weekends and Holidays 12 p.m. - 6 p.m.

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SITE

style file

Hardwood Made Easy // by Yanic Simard // Photo by Sarana Tile

Historically, wood floors began as a prized possession of the extravagantly wealthy, or a ramshackle solution for the common people – constructing a smooth and elegant floor took painstaking labour and craftsmanship, sometimes needing years to create one masterpiece for a wellappointed mansion. In 1885, the invention of the side-matcher brought tongue-and-groove planks to the middle class, and later the dry kiln helped prevent the common warping and shifting natural to such an organic product. In the 21st century, wood remains a favourite choice for modern and traditional homes alike, and with so many options (each coming in a multitude of stains) the possibilities are truly endless! Here’s my guide to finding the right hardwood floor – any style, any budget.

So hard to choose!

Although many woods are labelled “hardwood,” not all floors are created equal. The Janka Hardness Rating assigned to every wood guides you as to how well each species will endure the daily beating it takes: the lower the rating, the more prone to denting, so I recommend sticking to Red Oak’s rating of 1290 or above. Oak, especially the harder white oak, has many burls and swirls, but with its ability to hold stain well it can easily be given a variety of tones, making it one of the most popular choices. I recently used a stunning Oak Ravensdale in a dark modern satin finish (from Kentwood Floors) throughout a client’s condo – it’s one of my favourites. Although there are endless colour combinations, here are some of my other wood favourites, with paint suggestions to get you started: Maple One of the toughest affordable woods, patriotic Maple has a subtle grain, perfect for those who prefer a more minimal and consistent look. Usually has a light reddish colour, especially as it does not absorb dark stains well. › Mix with: Clean, fresh white. 078 new Condo Guide jul 13 - Aug 10, 2013

Ash With a solid hardness rating, ash sapwood is

another durable light-coloured option that features a highly consistent grain. Heartwood ash can have much darker brown tones, and either will stain well for a range of colour options. › Mix with: Bright sky blue. Mahogany Quality, sustainable mahogany still exists, but it has become rare in recent decades and the demand pushes the price higher and higher. Very durable and stains beautifully, making it worth the investment for floor aficionados. › Mix with: Complementary olive green. Lyptus A recent invention, this eucalyptus-based product is harvested from fast growing trees and is often a cost-effective substitute for mahogany. Can be stained dark or light to inject exotic flair. › Mix with: Near-black grey. Walnut Walnut features a beautiful, dramatic grain, reminiscent of Zebra wood striping, and its grey undertones integrate well with modern material schemes. However, the low hardness rating means walnut is best kept to low traffic areas. › Mix with: Dark, subdued purple. Bamboo Bamboo is not truly a “hardwood” flooring, as it is actually created by pressing together many strands of a grass. However, the resulting material is very hard, with a distinct linear graining perfect for modern decor. Keep in mind that bamboo made with inexpensive binding agents may scratch easily – a deal that sounds too good to be true just may be. › Mix with: Cheerful cherry red. Pine Southern Yellow Pine is very soft (in fact, not even a hardwood), but its propensity for marking can actually be charming. Look for reclaimed pine planks to get characterful floors at a low cost; just don’t install pine expecting it to stay flawless. › Mix with: Rustic green-grey.

Pattern power Straight The most common “pattern,” laying wood

planks in straight rows parallel to the longest edge of the space creates continuous lines that highlight the length, making your home appear bigger. Diagonal Similar to straight, but with the lines following a diagonal to create even longer bands to maximize the visual length. Some installers may not suggest it as it can create more work (and sometimes more waste), but the results are trendy and stunning. Herringbone This classic but energetic pattern is very popular in modern homes; the repeating zig zag recalls elegant suiting, and yields a sophisticated look that suggests luxury. Parquet Not usually still in favour for new installations, parquet floors with their iconic swirling checkerboard patterns can often be visually minimized rather than replaced. I recently had a client’s parquet stained a very dark brown, with several top coats applied to create a gorgeous finish that virtually erases the many joints. Inlay More commonly seen in high-end traditional spaces, wood inlay uses contrasting tones of wood (or even other materials) mixed together to create decorative designs. Often see as a thin border around the edges of rooms, or medallions in foyers. A significant investment, the technique creates a 100 per cent custom look. Hardwood vs laminate

›› S olid hardwood is truly what the name implies: a solid plank milled from lumber – what you see on the surface is the same as the core. The material can be sanded and refinished repeatedly, but is less moisture resistant. ›› Engineered hardwood uses a layer of solid wood (often around 3/4-in.) with plywood or other material as the core – the surface is still often thick enough to be sanded and refinished occasionally. Can use a tongue-and-groove system to create a “floating” floor, rather than one that must be nailed and glued in place (making a DIY much easier). ›› Laminate flooring is similar to engineered, but does not use a real hardwood surface, instead replicating the look through a printed image for maximum cost effectiveness. Cannot be sanded or refinished as it will remove the surface. Prefinished vs raw

›› P refinished flooring comes already stained and treated, which often means a more thorough final

coat that can be more durable and more consistent, and the product is usually less expensive pre-made. ›› Raw wood is delivered and installed untreated, to be finished on site after installation. This allows the stain to be customized on site for a more perfectly flat finish - prefinished wood will show unevenness in the subfloor that raw wood can have sanded out. Maintenance

›› Even the hardest wood can still suffer scratch marks, so use protective felt pads under furniture legs, keep pet nails trimmed, and use area rugs in the busiest traffic zones. Vacuum or sweep regularly, but use a brush head or felt padded vacuum, or a soft broom. ›› Wipe up any spills immediately – as long as you don’t let water stand, hardwood is safe to use in a kitchen to keep the look continuous from other spaces. ›› It can be hard to retroactively match your floor, so I recommend replacing everything at once, including upgrading from metal vent covers. I’ve seen many homeowners decide down the road they wish they had sprung for some finishing details that are very difficult to match when the wood has naturally aged, so invest up front for a truly beautiful floor you will cherish for years! One last idea

If you want the look of wood at a lower cost, here’s a recent discovery: Sarana tile carries a new faux-wood ceramic tile line called “Over” which comes in trendy colourways – I’m in love with the “Black & White” variety, which makes for amazing, dramatic zebra-like herringbone. With an affect like this, you won’t miss the real wood one bit!

Yanic Simard is the Principal Designer of the Toronto Interior Design Group, a regular design guest expert on City’s Cityline and columnist for The Toronto Star newspaper. Follow him on Twitter @yanicsimard or on facebook.com/yanic.simard. Read his blogs on tidg.ca and every Thursday on the Thermador Facebook Page’s blog (facebook.com/ ThermadorCanada). Yanic is design editor of New Condo Guide and writes for many other Canadian and international publications. Send questions or comments to info@tidg.ca jul 13 - Aug 10, 2013 new Condo Guide 079

make your move

// by dan hopkins

The word-ofmouth factor

Dan Hopkins is Chief Operating Officer, Two Men and a Truck Canada. twomenandatruck.ca

hen it comes to shopping for anything, word-ofmouth advice is always a good idea – especially if it’s a service you’re seeking. In the moving industry, we rely on customer referrals for much of our business, so providing excellent service is the smart and responsible thing to do.

When you are looking for a mover, you can get two kinds of word-of-mouth advice. ›› The first is to ask people you

know and trust who they have used in the past and whether they were happy with their moves. This is especially helpful if you ask people who have completed similar moves to the one you are planning as far as distance, general items, etc. ›› The second way is to ask potential movers whether they conduct surveys and have real customer feedback that they will share with you.

080 new Condo Guide jul 13 - Aug 10, 2013

At Two Men And A Truck, we conduct surveys to learn what we’re doing well and areas where we can improve. We have a commitment to our core value, The Grandma Rule: “Treat everyone the way you would want your Grandma to be treated,” and we want to be certain that value guides everything we do. Our survey asks customers to rate several key factors as to whether we met or exceeded expectations, or need improvement. Examples are “Office staff’s explanation of our services,” and “Mover’s care of my belongings.” Key questions are “Would you use Two Men And A Truck again?” and “Would you refer others to Two Men And A Truck?” In recent surveys, for example, 94 per cent of our customers said they would use us again and would refer us to family and friends. On our Website (twomenandatruck.ca), we are proud to share our surveys and some of the customer comments we receive. It is gratifying to read

“Your movers were excellent and a pleasure to deal with,” “Liked the way the furniture was wrapped and packed,” and “I was extremely pleased with every aspect of the service I was provided. It is unusual these days for a company not only to know its business so well, but to provide exemplary care and service in doing so. Thank you so much for making a difficult transition easy.” – Debby Movers should understand that moving can be one of the most exciting, yet stressful times in a person’s life. Possessions are important, and consumers want to believe the mover they choose will look at all items with concern and respect, and treat them accordingly. Every mover should solicit feedback to keep on top of things and take steps to improve weak service areas. You want a moving company with people who care. As with any substantial purchase, doing some homework can save you stress, time and money in the end.

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condo watch

new releases & grand openings 36 Hazelton by Alterra

Construction has started at this luxury boutique condo in the Yorkville neighbourhood. Web: 36Hazelton.com

101 Erskine by Tridel

A quiet sensibility in the midst of Yonge and Eglinton. Grand opening. Web: Tridel.com/101erskine

Avani at Metrogate by Tridel

New suite release at Metrogate’s newest address at Kennedy and Hwy. 401. Web: Tridel.com

416

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

The Bond by Lifetime Developments

New release – top five floors. Introducing The City Collection at Adelaide and John. Now open. Web: TheBond.ca

E Condos by RioCan, Bazis, Metropia

Condominium residences on the northeast corner of Yonge and Eglinton. Grand opening. Web: ECondos.com

Exhibit by Bazis, Metropia, Plaza

Limited edition penthouse collection at Bloor and Avenue Road. Web: Bazis.ca

Fuse 2 by Neudorfer Corporation

Now releasing phase two of this master- planned community in Davenport Village. Web: FuseCondos.com

Gramercy Park by Malibu

An urban oasis built around a private park in North York. Move in soon. Web: GramercyPark.ca

Imperial Plaza by Camrost Felcorp

New suite release at Yonge and St. Clair. Book your private appointment today. Web: ImperialPlazaToronto.ca

Lago by Monarch

Now under construction, at one of Etobicoke’s final urban waterfront settings. Web: MonarchGroup.net

Ivory by Plaza

Newly released Pure Platinum Penthouse Collection on Adelaide, in the heart of old-town Toronto. Web: PurePlaza.com

Life Condominiums by Chestnut Hill Homes

A stylish, 13-storey midrise at Yonge and Merton with 149 spacious suites. Now open. Web: LifeCondos.ca

The Madison by Madison Homes

Grand opening of Top Floors at Yonge and Eglinton. Web: MadisonCondos.ca

One Bloor by Great Gulf

New suite release at this coveted Yonge and Bloor condo, now under construction. Web: OneBloor.com

Picasso by Monarch Corp. & The Goldman Group

Now open, an iconic building in the heart of the evolving Entertainment District. Web: MonarchGroup.net

Post House by Alterra

Construction underway at this boutique condo in the St. Lawrence Market neighbourhood. Web: PostHouseCondos.com

Rise by Reserve Properties

Downtown living at a mid-town price. Grand opening and new release. Web: RiseCondos.com

River City 2 by Urban Capital

New release of penthouses with rooftop terraces and townhomes up to 1,877 sq. ft. Web: RiverCityToronto.com

Vivid by Pemberton Group

Grand opening continues at Pemberton’s Vivid at Islington and Bloor. Web: VividCondos.com

X2 Condos by Lifetime & Great Gulf

Sophisticated condominium now under construction at Jarvis and Charles. Web: X2Condos.com

Monde by Great Gulf

New release of boardwalk suites along Toronto’s waterfront. Web: MondeCondominiums.com

continued on page 90… 082 new Condo Guide jul 13 - Aug 10, 2013

GTA Edition July 13 - August 10, 2013

Your complete source for condos, lofts and townhomes in Toronto

IN THIS SECTION Maps and listings for new condo communities in the 416 region Builder news and the latest in condos in the 416

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

# Builder 2 Great Gulf Homes 4 Gairloch Investments 4 Tridel Corporation 6 Cresford Development Corp. 7 The Daniels Corporation 23 Tribute Communities 32 Madison Homes 37 Cresford Development Corp. 58 Great Gulf Homes 59 Lindvest 66 Emsatec Canada Inc 85 Harhay Developments 85 Carttera 117 Bazis Inc. 117 Metropia 117 Plaza 120 The Daniels Corporation 124 Pinnacle International 129 Concert Properties 131 Lanterra Developments 131 Tridel Corporation 133 Tribute Communities 140 Eden Shaw 140 45 Charles Ltd. 149 Camrost - Felcorp 171 Camrost - Felcorp 179 Graywood Developments 179 Mod Developments Inc. 189 The Daniels Corporation 192 MintoUrban Communities Inc. 202 Bazis Inc. 202 Rio Can 202 Metropia 206 Mod Developments Inc. 215 Dundee Kilmer Developments Menkes Developments Inc. 1 Goldman Group & Lash Dev. Corp. 1 Goldman Group & Lash Dev. Corp. 1 Goldman Group & Lash Dev. Corp. 3 Concord Adex 3 Concord Adex 3 Concord Adex 3 Concord Adex 3 Concord Adex 5 Onni Group of Companies 5 Onni Group of Companies 8 Cresford Development Corp. 8 Cresford Development Corp. 8 Cresford Development Corp. 8 Cresford Development Corp. 9 Aspen Ridge Homes 10 Empire Communities 11 Menkes Developments Inc. 11 Menkes Developments Inc. 12 North Drive Investment 13 Streetcar Development 14 Canalfa Group 14 Canalfa Group 15 Urbancorp Development Corporation 16 Freed 17 Malibu Investments Inc. 18 Urban Capital 18 Urban Capital 19 Delpark Homes 20 Menkes Developments Inc. 20 Tower Hill Development Corporation 21 Easton’s Group *TH: Townhomes, C: Condo

Site Telephone TH* C* Price Range Page Finder Yonge+Richmond 416-492-7420 • from $273,000 17 16K 383 Sorauren 383sorauren.com from $300,000 103 9L Aqualina at Bayside Toronto 416-514-2710 • IFC 16E Merton Yonge Condominiums 416-484-1900 • from $320,000 128 14e High Park Condominiums 416-351-1844 • from $300,000 15 8L The College 416-363-4800 • from $320,000 59 M14 The Madison 416-482-8090 • from $420,000 77 14E Lofts 399 416-867-3999 • from $390,000 IBC 14L Monde 416-466-8885 • from $293,000 14 17M B Streets 416-532-6636 from $300,000 105 13J The Brownstones 5 416-531-7760 • from $320,000 97 9I One Eleven Condominiums & Lofts 647-347-4111 • from $250,000 55 13M One Eleven Condominiums & Lofts oneeleven.ca • from $250,000 55 13M Exhibit Definitive Residences 416-967-7778 • from $320,000 27 14i Exhibit Definitive Residences 416-967-7778 • from $320,000 27 14i Exhibit Definitive Residences 416-967-7778 • from $320,000 27 14i One Park Place Condominiums 416-955-0559 • from $320,000 Insert & 57 18J The Pinnacle on Adelaide 416-596-1600 • 91 15M 88 Scott 416-216-8588 • from $400,000 67 17M Riverhouse at the Old Mill 416-766-7343 • from $520,000 31 5L Old Mill 416-645-7022 • from $493,000 BC 5L RCM I on University 416-363-4800 • from $393,000 59 14M Chaz Yorkville Condos 416-922-0045 • from $320,000 19 16J Chaz Yorkville Condos 416-922-0045 • from $320,000 19 16J Imperial Plaza 416-925-2501 • from $399,000 3 15I Yorkville Plaza 416-966-3003 • • from $350,000 1 14H Five Condos 416-928-0555 • • from $250,000 51 15J Five Condos 416-928-0555 • • from $250,000 51 15J Cinema Tower Condominiums 416-203-2020 • from $450,000 47 14M 30 Roe 416-915-3812 • from $324,000 63 14D E Condos 416-243-8688 • from $200,000 5 14E E Condos 416-243-8688 • from $200,000 5 14E E Condos 416-243-8688 • from $200,000 5 14E The Massey Tower 416-966-0197 • • from $320,000 49 16L Canary District Condominiums 416-603-7576 • from $250,000 53 18L Harbour Plaza menkes.com • Insert 530 St. Clair Ave. West 530condos.com • from $344,000 12H 500 St. Clair Ave. West 416-868-0500 • from $260,000 12H the rushton rushtonliving.com • from $344,000 12H ParadeTWO Tower Residences 416-813-0999 • from $287,000 15M Grand Parade 2 at Concord CityPlace 416-813-0999 • 15M ParadeTWO Park Collection at Concord CityPlace 416-813-0999 • from $308,000 15M Quartz 416-813-0999 • • 15M Spectra 2 416-813-0999 • • 15N Garrison at the Yards 416-260-2600 • from $190,000 14n West Lake 416-260-2600 • from $240,000 14N NXT 2 416-977-5300 • • from $300,000 8N NXT2/Phase Two 416-977-5300 • • from $210,000 8N Corporate 416-977-5300 • • from $300,000 8N NXT 416-977-5300 • • from $300,000 8N VU 416-970-9500 • • from $370,000 16L The HUB 416-408-1200 • from $220,000 9F Pears on the Avenue 416-323-0100 • from $381,000 14I 365 Church menkes.com • 14I The High Park 416-670-3699 • from $300,000 8L Trinity Lofts 416-690-2988 • from $330,000 19l Liberty on the Park Condominiums 416-537-0047 • from $363,000 12N Liberty Place 416-537-0047 • • from $170,000 12N Westside Lofts 416-516-5848 • from $180,000 12m 155 REDPATH 647-291-0041 • from $250,000 14D LTD 416-601-2223 • from $310,000 14M River City 416-862-0505 • • from $250,000 18L River City 2 416-862-0505 • • from $250,000 18L Broadview Villas 416-429-7888 • from $490,000 19g Fabrik 416-591-7700 • from $250,000 14M 2221 Yonge 647-350-2221 • from $200,000 14E King Blue Condominiums 416-599-1355 • from $250,000 12N

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

Builder

Site

Remington Group Monarch Corporation Tridel Corporation Greenpark Homes Pinnacle International Pinnacle International Tower Hill Development Corporation Conservatory Group Conservatory Group Cresford Development Corp. Cresford Development Corp. Cresford Development Corp. Cresford Development Corp. Times Developments Inc. MintoUrban Communities Inc. MintoUrban Communities Inc. Lanterra Developments Pemberton Group Lamb Development Corp. Context Development Inc. E-Park Development Neudorfer Corporation Madison Homes State Building Group Freed Freed Carlyle Communities Empire Communities Lamb Development Corp. Lamb Development Corp. Tridel Corporation Tridel Corporation Fernbrook Homes/Cityzen Dev. DHD Developments Great Gulf Homes Treasure Hill Homes Lamb Development Corp. Harhay Developments Plaza Menkes Developments Inc. Lifetime Developments Aspen Ridge Homes Context Development Inc. Context Development Inc. The Brownstone Group of Companies The Brownstone Group of Companies Great Gulf Homes Plaza Empire Communities Empire Communities Pemberton Group The Daniels Corporation The Daniels Corporation The Daniels Corporation Great Gulf Homes Lifetime Developments Lifetime Developments Triangle West Development Tridel Corporation Tribute Urban Living Tribute Communities Tribute Communities Graywood Developments Mod Developments Inc. Canderel/Stoneridge Alterra Homes/Finer Space Parallax Investment Corporation BSaR Ltd Andrin Homes Matthew Kinsella Custom Homes Inc. Hyde Park Homes Lamb Development Corp. Longo Corporation Lamb Development Corp. Graywood/Beaverhall Development Aspen Ridge Homes Cityzen Fernbrook Homes Fernbrook Homes Lamb Development Corp. Niche Development Urban Capital Malibu Investments Inc. Lamb Development Corp. Niche Development Alit Developments Tre Memovia Developments Lifetime Developments Lifetime Developments Aragon Properties Castlepoint/Cityzen/Fernbrook Enirox Group Pianosi Developments Plus Development Group Sorbara Group Streetcar Development Mizrahi | Khalili Developments Mizrahi | Khalili Developments Sorbara Group Lifetime Developments Centre Court Development Reserve Properties Reserve Properties Pemberton Group Streetcar Development Tofni Developments Greenpark Homes Greenpark Homes Cresford Development Corp. Tri-Win Developments Inc Burnac Corporation Lifetime Developments Centre Court Development Streetcar Development Great Gulf Homes Menkes Developments Inc. Freed Carttera Reserve Properties BSaR Ltd Castlepoint/Numa Tridel Corporation Torbel Group Sonterlan Mansouri Living

*TH: Townhomes, C: Condo

Telephone

TH* C*

Price Range

Page

King Blue Condominiums 416-599-1355 • from $250,000 Picasso on Richmond 416-495-3549 • from $280,000 Ten York 416-596-9888 • Axiom Condominiums axiomcondos.ca • from $200,000 Success Tower at Pinnacle Centre 416-360-0673 • from $750,000 33 Bay Residences at Pinnacle Centre 416-925-3325 • Churchill Park Condominiums 416-966-9080 • from $900,000 Infinity Condominiums 416-214-1988 • from $250,000 Milan 416-928-7409 • from $520,000 CASA 416-977-1100 • from $710,000 The Bloor St. Neighbourhood 416-977-1100 • from $600,000 CASA 2 416-977-1100 • from $250,000 CASA III 416-977-1100 • from $240,000 The 500 Condos + Lofts 416-960-0606 • from $400,000 King West 416-367-5464 • from $210,000 775 King West 416-367-5464 • from $330,000 3018 Yonge In Lawrence Park 3018yonge.com • from $390,000 The Uptown Residences 416-987-3500 • from $950,000 The Brant Park 416-703-7271 • from $250,000 King West - The Lanes contextkingwest.ca • from $250,000 Foundry Lofts 416-531-7760 from $399,000 Brownstones 416-531-7760 • from $300,000 The Upper Canada Condominium 416-489-5194 • from $1800,000 The Upper Canada Condominiums 416-489-5194 • from $1.8,000 455 Adelaide West - Fashion District Lofts 416-603-6166 • • from $280,000 Fashion House 416-366-0560 • from $250,000 Beach Hill Residences 416-422-0880 • • from $200,000 Schoolhouse 416-979-1333 • from $595,000 Worklofts 416-368-5262 • from $243,000 Flatiron Lofts 416-368-5262 from $243,000 300 Front Street West 416-217-0300 • from $324,000 Reve 416-514-2710 • from $334,000 Pier 27 Waterlink 416-367-3456 • from $300,000 Condos at The Distillery 416-361-1322 • from $400,000 One Bloor Residences 416-922-0081 • from $535,000 Block liveatblock.com • The King East 416-368-5262 • from $300,000 East Condos & Lofts 416-368-5262 • from $310,000 King West kingwestlife.com • from $346,000 Four Seasons Private Residences Toronto 416-775-7500 • from $1900,000 Four Seasons Private Residences Toronto 416-775-7500 • from $1900,000 Seventy Seven Charles Yorkville 416-203-7034 • from $2100,000 Market Wharf 416-861-8181 • from $260,000 Library District Condominiums 416-861-8181 • from $222,000 Brownstones in Davenport Village 416-531-7760 from $245,000 Brownstones on the Park 416-531-7760 • from $260,000 Charlie 416-927-9772 • from $251,000 Ivory On Adelaide 416-862-0888 • from $279,000 Fly Condos 416-979-1333 from $310,000 Condo Living Store 416-979-1333 • U Condominiums 416-546-6605 • from $250,000 One Park West 416-955-0559 • from $406,000 Paintbox Condominiums paintboxcondos.ca • Festival Tower 416-203-2020 • from $350,000 X2 416-927-0080 • from $303,000 X2 416-927-0080 • from $303,000 Bisha Hotel & Residences 416-637-2211 • from $300,000 Art Condos 416-535-7775 • from $530,000 Two Old Mill 416-645-7022 • from $356,000 1717 Avenue Road 416-430-1717 from $1550,000 1717 Avenue Road 416-430-1717 • from $1295,000 Queen & Portland 416-363-4800 • from $315,000 5 St. Joseph 416-928-0555 • • from $250,000 5 St. Joseph 416-928-0555 • • from $250,000 DNA 3 416-929-1030 • from $220,000 Post House Condominium 416-964-2777 • from $350,000 Downtown 416-598-5088 • from $210,000 12 Degrees 416-408-1200 • from $350,000 The Berwick 416-922-9425 from $280,000 The Grove 416-824-3390 • from $840,000 Riverside Towns 416-214-2000 • from $400,000 Riverside Towns 416-214-2000 • from $400,000 KEW Beach Living 416-690-0101 • • from $350,000 KEW Beach Living 416-690-0101 • • from $350,000 The Mercer 416-597-6940 • from $350,000 Studio on Richmond 647-352-7736 • from $300,000 Backstage on the Esplanade 416-777-2533 Backstage on the Esplanade 416-777-2533 Vero verocondos.ca from $250,000 Theatre Park 416-422-0333 • from $380,000 Theatre Park 416-422-0333 • from $490,000 Tableau Condominiums 416-591-8887 • • from $450,000 Tableau Condominiums 416-591-8887 • • from $350,000 King Charlotte 416-422-0333 • from $466,000 King Charlotte 416-422-0333 • from $312,000 Tableau Condominiums tableaucondos.com • • from $350,000 Carmelina 416-423-8500 • from $250,000 Yorkville Condominiums 416-987-3222 • • from $550,000 The Bond Condominiums 416-546-7525 • • from $300,000 Showcase showcaseliving.ca • from $210,000 L Tower 416-777-2533 • from $410,000 707 Lofts 707Lofts.com • • from $255,000 Perspective Condos 416-242-3500 from $280,000 King + Condos 416-366-5464 • from $304,000 thirtytwo Camden 416-860-0060 • from $240,000 8 Gladstone 416-690-9009 • from $250,000 133 Hazelton Residence 416-487-9863 • Model Suite of the Month 416-487-9863 • 210 Simcoe 210simcoe.com • Karma 416-551-2744 • from $180,000 Karma 416-551-2744 • Rise 416-546-7399 • from $290,000 Model Suite of the Month • Neon 416-987-7878 • from $210,000 The Carlaw 416-690-8588 • from $200,000 Nero 416-792-6418 • from $300,000 Allure Condominiums allurecondos.ca • from $350,000 Allure Condominiums allurecondos.ca • from $350,000 1000 Bay 416-485-3000 • FAD Condos 416-815-1818 • from $250,000 South Hill on Madison Condominiums southhillonmadison.com • from $200,000 INDX 416-987-4639 • INDX 416-987-4639 • The Carnaby 416-690-9009 • from $250,000 TUX greatgulf.com/register • from $250,000 Noir menkes.com • SIXTY Colborne 416-601-0060 • from $300,000 SIXTY Colborne 416-598-7775 • from $300,000 109OZ 416-531-4844 • from $300,000 The Hill 416-408-1200 • from $260,000 The Sterling thesterling1919.com • • from $200,000 101 Erskine 416--480-0700 • • from $285,000 Wallace Walk wallacewalktowns.com • from $210,000 The St Clements 416--778-7070 • • The Perry 416-926-7555 • from $390,000

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

Finder 12N 14M 12F 17L 17m 17m 13H 16m 15I 15L 15L 15L 15L 17I 14M 14M 14B 16J 14M 14M 9I 9I 14G 14G 14L 14L 23J 13i 20J 20J 15M 15M 17N 18L 15I 12K 18L 18L 13N 15I 15I 14J 17M 17M 9j 9J 14M 17L 14M 14m 15K 18J 18J M14 16J 16J 16m 12N 5L 13D 13D 15I 16J 16J 12N 16L 15N 15L 14D 11O 19K 19K 24J 24J 15M 15M 17M 17M 17M 16M 16M 15L 15L 15L 15L 15L 23J 15G 15G 19K 17L 12K 4H 16L 14L M12 14I 14I 15M 15K 15K 12H 12H 14D 19K 13L 14F 14F 15J 14M 13I 16M 16M 12M 15M 15M 16L 16L 12M 11E 9L 14E 9L 21K

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

torontoregionalmaps: Toronto, East York, York

# 21 22 22 24 29 29 30 41 46 52 52 52 52 54 55 55 57 62 64 64 66 66 70 70 73 73 74 78 81 81 83 83 88 94 99 100 101 101 102 103 103 104 106 106 109 109 110 114 115 115 118 120 120 122 126 126 128 130 131 132 132 134 135 135 136 137 139 141 142 143 144 144 145 145 148 150 151 151 151 152 152 153 153 153 153 153 154 155 155 156 157 160 162 163 165 170 173 173 175 182 182 184 184 185 186 187 188 188 190 191 193 195 195 197 198 198 200 200 207 208 210 216 217 218

085

101

Steeles Ave

124

121

21 22

North York c

400

135 37

124

40 8 50

128

401

28 43

123

401

3 122

130

125

132 25

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

torontoregionalmaps: North York

086

1 96 121 122 123 128 130 2 3 4 4 4 4 5 6 6 6 6 6 8 9 14 15 21 28 33 34 37 40 43 43 50 50 86 94 95 96 99 101 122 124 125 128 132

Builder

Concord Adex ELAD Canada Liberty Development Corp. Lanterra Developments Brandy Lane Homes The Daniels Corporation Tribute Communities Torbel Group YYZed Project management Tridel Corporation Tridel Corporation Tridel Corporation Tridel Corporation Broccolini Concord Adex Concord Adex Concord Adex Concord Adex Concord Adex Conservatory Group Conservatory Group Torbel Group Emery Condominiums Tridel Corporation Tridel Corporation Castle Royale Development Malibu Investments Inc. Norstar Group of Companies Menkes Developments Inc. Monarch Corporation Monarch Corporation MintoUrban Communities Inc. Devron Developments Canderel/Stoneridge DHD Developments Aspen Ridge Homes ELAD Canada The Brown Group of Companies Kantium Development Lanterra Developments Tridel Corporation Fram Building Group The Daniels Corporation Fram Building Group/Cadillac Fairview

*TH: Townhomes, C: Condo

Site

Telephone

TH* C*

Price Range

Page

Opus 416-813-2999 • • 42-43 Emerald City Condominiums 416-492-0001 • from $248,000 71 World on Yonge 905-771-7010 • from $285,000 36-37 Treviso II 416-787-8882 • from $220,000 25 The Station 416-398-9777 • from $420,000 65 NY2 416-221-3939 from $220,000 39 Canterbury 647-352-2130 • • from $700,000 59 The Avanti Condominiums 416-636-0400 from $375,000 VISTO vistocondos.ca from $220,000 Hullmark Centre 416-733-2883 • from $524,000 Avonshire Parkside 416-730-0300 • • from $579,000 Aristo at Avonshire 416-730-0300 • Aristo2 at Avonshire 416-730-0300 • from $299,000 Park Towns 416-868-0784 from $250,000 Tango at Concord Park Place 416-813-2999 • • from $236,000 Discovery at Concord Park Place 416-813-2999 • Discovery II at Concord Park Place 416-813-2999 • • from $210,000 Tango2 at Concord Park Place 416-813-2999 • from $265,000 Corporate 416-813-2999 • • from $210,000 Pearl Condominiums 416-512-1818 • from $200,000 Platinum Towers 416-512-1818 • from $340,000 Diva DivaCondo.com The Essential 905-887-4888 • from $250,000 Argento 416-663-1818 • Alto at Atria 416-645-8866 • from $288,000 The Palm Condominium Residences 416-306-1000 • from $400,000 Gramercy Park Condominium Residences 416-703-2202 • from $600,000 Portrait Condominiums 416-282-9600 • from $300,000 Gibson Square 416-730-9722 • from $363,000 Ultra at Heron’s Hill 416-495-3548 • from $200,000 Yorkland at Heron’s Hill 416-495-3548 • from $300,000 88 416-915-3805 • from $235,000 Flo Condominiums 647-799-0356 • from $250,000 Aura At College Park 416-962-8688 • from $500,000 Gooderham 416-361-1322 • from $410,000 Scenic on Eglinton 416-805-1781 • from $190,000 Dreamtower At Emerald City 416-492-0001 • from $245,000 Willow Park at Bayview 416-221-6767 • from $466,000 Posh Condominiums 905-771-0134 • from $544,000 Treviso Condominiums 416-787-8882 • from $200,000 Trio at Atria 416-645-8866 from $258,000 LIV Lofts 416-445-5638 • from $250,000 NY Place 416-221-3939 • from $250,000 Flaire Condos 416-445-8868 • from $320,000

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

Finder 22C 24C A18 12F 12D 19C 19F 17C 8E 18D 18D 18D 18D 19C 22C 22C 22C 22C 22C 17C 18C 11C 20E 22e 25D 17B 13E 13C 17C 25D 25D 18c 18c 16K 18l 23G 24C 21 16A 12F 24C 22F 19C 22F

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

Islington Ave

Kipling Ave

401 2A

Westway

Rathburn Rd

Bloor St W

Queensway

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

Site Telephone TH* C* The Epicurean monarchgroup.net • One Sherway Condominiums 416-695-3535 • Lago 416-495-3544 • Eleven Superior 416-259-8882 • Terrace on Danforth 416-987-7575 • Water Tower at Eau Du Soleil empirewatertower.com • Harmony Village Sheppard 416-493-0123 Vivid Condos 416-239-8200 • Centro 416-296-1898 • Nautilus at Waterview 416-495-3544 • Altitude 416-321-1659 • One Sherway Condominiums 416-695-3535 • Palais at Port Royal Place 416-239-8200 • Cloud 9 Condominiums cloud9condos.ca • Cloud 9 Condominiums cloud9condos.ca • ilofts at Mystic Pointe 416-251-8888 • California Condos 416-251-8888 • Princeton Manor 905-849-1818 Ocean Club 416-255-4663 • Summerside mattamyhomes.com • • Watermark 416-354-2221 • King’s Way at Swansea Village 416-766-4683 • Eau Du Soleil empirecommunities.com/eaudusoleil • Encore 416-495-3543 • Beyond The Sea Star Tower Condominiums 416-979-1333 • • Evolution 416-747-9691 • Parc Nuvo at Essex 416-231-0999 • South Beach 416-252-3000 Waterscapes 416-495-3544 • Ventus at Metro Gate 416-293-5535 • Metrogate Townhomes 416-293-5535 • • West Village 416-620-1887 • One Valhalla 416-233-5554 • Thunderbird 416-233-5554 • Triumph At One Valhalla 416-233-5554 • IQ IQcondos.com • The Masters mastercondos.com • Park Towers at IQ 416-253-5838 • Westwood Condominiums westwoodAlterra.com • Avani At Metrogate 416-293-5535 • Jade Condominiums 416-762-8818 • Nature’s Path 416-745-6686 • • 2150 Condos 416-750-2150 • Haven On The Bluffs 416-2621-9555 • Lexington 416-638-8444 • South Shore mintosouthshore.com • Qube Condos 647-351-7823 • Me 647-693-7563 •

Park Lawn

50 14 51 34

Royal York Rd

Dundas St W

11 53 3 56 39 4 37 6 33

Gardiner Expressway Evans Ave

Horner Ave

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

Etobicoke

409

Scarborough

ett R Scarl

ve nA

Dixon Rd

Builder Monarch Corporation Great Gulf Homes Monarch Corporation Davies Smith Liberty Development Corp. Empire Communities City Core Pemberton Group Henderson Development Limited Monarch Corporation Conservatory Group Menkes Developments Inc. Pemberton Group Lash Group of Companies Carttera Camrost - Felcorp Camrost - Felcorp Green Hill Homes Graywood/Beaverhall Development Mattamy Homes Queenscorp Residences Georgian Empire Communities Monarch Corporation Empire Communities Beaverbrook Homes Tridel Corporation Amexon Development Corporation Monarch Corporation Tridel Corporation Tridel Corporation Tridel Corporation Edilcan Development Corp. Edilcan Development Corp. Edilcan Development Corp. Remington Group/Brown Group Remington Group 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

QEW

*TH: Townhomes, C: Condo

Martin Grove Rd

Finch Ave W

Av e

bio

# 5 7 18 20 28 28 38 50 2 4 6 7 8 10 10 11 11 13 15 24 25 26 28 29 33 34 35 37 39 42 42 44 45 45 45 46 46 46 51 55 56 60 61 61 62 65 70 71

ll R Mi

Da nf or th

21 22

Ranforth Dr

Centennial

Passmore Ave

lva

East Ave Port Union Rd

Manse Rd

sto

Galloway Rd

St. Clair Ave 1

Orton Park Rd

Markham Rd

McCowan Rd

Bellamy Rd

Lawrence Ave E

Scarborough Golf Rd

n Dr

orto

427 Morrish Rd

* Due to scale restrictions, locators are d approximate. Please see builder’s ads n R for sto exact locations. ng

Victoria Park

Progress Ave

Brim

Eglinton Ave E

Sheppard Ave E Conlins Rd

Brimley Rd

Warden Ave

Pharmacy Rd

Birchmount Rd

Kennedy Rd

Ellesmere Rd

401 Midland Ave

42 55 401 31

Milner Ave

Humberline Dr

Beare Rd

Meadowvale Rd

Sheppard Ave E

Ave

Morningside Ave

evin

McL

12 Reesor Rd

Huntingwood Dr

11 Sewells Rd

Finch Ave E

Neilson Rd

McNicoll Ave

Tapscott Rd

McCowan Rd

Lakeshore Blvd W

Price Range Page Finder from $250,000 Insert 23F from $273,000 22-23 16G from $200,000 Insert 24c from $200,000 93 23C from $227,000 36-37 2F from $320,000 6-7 25B from $238,000 75 2C from $250,000 9 23F from $185,000 6D from $400,000 25H from $230,000 25H from $273,000 16G from $260,000 23F from $220,000 22B from $220,000 22B from $310,000 25G from $242,000 25g from $210,000 6G from $229,000 24C from $159,000 3F from $320,000 19D from $188,000 24G from $250,000 25B from $200,000 5D from $400,000 24H from $250,000 22G from $398,000 22g from $209,000 25H from $390,000 26H from $344,000 4c from $427,000 4C from $260,000 21F from $239,000 21F from $240,000 21F from $230,000 21F from $190,000 22G from $200,000 22G from $220,000 22G from $300,000 23F from $248,000 4C from $250,000 24G from $270,000 11E from $189,000 3E from $160,000 3E from $240,000 21C from $300,000 22H from $200,000 24G from $150,000 8D

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

torontoregionalmaps: Scarborough, Etobicoke

087

21 22

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Toronto Waterfront

waterfrontmaps: Toronto

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

088

Builder

tridel corporation

Aqualina at Bayside Toronto

Site

416-514-2710

Telephone

TH* C*

Pemberton Group

Park Lake Residences

416-769-4343

Monarch Corporation

Nautilus at Waterview -

Cresford Development Corp.

NXT2/Phase Two

Cresford Development Corp.

NXT at Windermere By The Lake

Plazacorp/Berkley Community

West Harbour City

Lifetime Homes

Price Range

•

Page

Finder

IFC

16E

• • from $250,000

416-495-3544

• from $400,000

416-977-5300

• • from $210,000

416-977-5300

• • from $300,000

11f

westharbourcity.com

• from $327,000

13E

Waterparkcity – Neptune

416-203-3700

•

13f

8 Concord Adex

Grand Parade 2 at Concord CityPlace

416-813-0999

•

14f

Concord Adex

Quartz

416-813-0999

• •

14F

Concord Adex

ParadeTWO Tower Residences

416-813-0999

14f

• from $287,000

Concord Adex Grand Parade at Concord CityPlace

416-813-0999

• from 293,000

14F

Concord Adex

Panorama at Concord CityPlace

416-813-0999

• from $389,000

14F

Concord Adex

Panorama Elite Suites at Concord CityPlace

416-813-0999

• from $1,135,000

14F

Concord adex

ParadeTWO Park Collection at Concord CityPlace

416-813-0999

• from $308,000

14F

Concord Adex

Luna Vista at Concord CityPlace

416-813-0999

• from $2,213,000

14F

CONCORD ADEX

Spectra

416-813-0999

• •

Conservatory Group

14F

Infinity Condominiums

416-214-1988

• from $250,000

14f

11 URBAN CPITAL

River City 2

416-862-0505

• from $250,000

16E

14 CANALFA GROUP

Liberty Central by the Lake

416-537-0047

• from $200,000

10F

14 Canalfa Group

Liberty on the Park Condominiums

416-537-0047

• from $363,000

10F

15 Malibu investments inc.

LTD

416-601-2223

• from $200,000

12F

16 CAMROST FELDCORP California Condominiums

sunsetcondos.ca

• from $280,000

24C

18 Fernbrook Homes/Cityzen Dev.

416-367-3456

• from $300,000

11F

Pier 27 Residences On The Lake

21 GREAT GULF Monde *TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

mondegreatgulf.com

• • from $300,000

15E

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to 416-789-9554

W Rd

e or

ly Bay

Qu ee

W Rd e

or ke

ds Q or ue Dr en S

in lW

Sh Sp eri ea da km n P an ark Tr us Dr D r co tt Dr

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Park Rd S

TH* C*

Lake

Price Range

416-259-8882 48

• from $200,000

monarchgroup.net

• from $280,000

Scug

Phillip Mur

Manvers

Page

Finder

Scugog

Stonebrook Condominiums

905-822-8858

Whitby • from $270,000 Oshawa

chestnut hill development

San Francisco By The Bay

905-831-3631

•

10 Pemberton Group

Bluwater Condominiums

416-987-8800

11 Monarch Corp.

Waterscapes

13 GREEN HILL HOMES

23C

insert Newcastle 24C

• from $180,000

23J

• from $350,000

416-495-3544

• from $390,000

25C

Princeton Manor

905-849-1818

• from $210,000

14 Phantom Developments

Jade Waterfront Condos

416-251-0707

• from $250,000

24G

15 GRAYWOOD DEVELOPMENTS

Ocean Club

416-255-4663

• from $229,000

24C

25 queenscorp residences

Watermark

416-354-2221

• from $320,000

117

19D

empirecommunities.com/eaudusoleil

• from $210,000

25B

401

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to 416-789-9554

Uxbridge

United lands

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

Bloor St

Lindsay

Schomberg

28 EMPIRE COMMUNITIES Eau Du Soleil

Stevenson Rd

Whitby 7 Waterfront

Thornton Rd

Wentworth St

Park Rd S

401

Gibb St

waterfrontmaps: GTA

Ce re m on ia hb ur n

Ra t

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Rd dl id

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ita Br

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Rd Bu rn ha m th or pe

W W St as

W Rd ry

Rd pe nd

King St W Bond St W

Centre St.

Adelaide Ave

Kendalwood R

Garrard Rd

Telephone

Blair St

Hopkins St

Cannington

Manning Rd

Garden St Blair St

Brock St S Henry St Gordon St

Keswick

Bayly St E Georgina Island 33 caygeo Bob

Ajax-Whitby

Georgina

Cochrane St

Dundas St E

e 401

Shoal Point Rd

King

Sim

Rossland Rd

Town of Whitby

Pickering Beach Rd

Rossland Rd McQuay

W sA ve le ee St De r

Anderson St

Brock St N

eS co Sim

Stevenson Rd

Garden St

Baldwin St S

Taunton Rd W

Dryden Bv

*TH: Townhomes, C: Condo

To Os

Thornton Rd

Conlin Rd

Thickson Rd

Church St E

15 20 18

Country Lane

Garrard Rd

Baldwin St N

Park Lawn Cedarbrook T

Royal York Rd

Cochrane

Coronation R

Townline Rd

8 Con

Lakeshore Blvd W

Lakeridge Rd

Audley Rd

Duffs Rd

Taunton Rd WWaterfront Etobicoke

Salem Rd

Harwood Ave

Finley Ave

riv

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Ashburn Rd

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condo watch

continued…

previews & registrations Imagine Condos by insoho developments

Vibrant boutique condo living by acres of green at TTC, walk to GO. Register now. Web: imaginecondos.com

The HUB by Empire Communities

Live life on tomorrow’s fast lane, at this condo in a key Eg-West location. Register now. Web: EmpireTheHub.com

365 Church by Menkes

In the heart of the action. Coming soon to Church and Carlton. Register now. Web: Menkes.com

The Britt by Lanterra Developments

Condos with European flair coming soon to Bay and Wellesley. Register now. Web: SunsetCondos.ca

California Condos by Camrost Felcorp

416

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

Aqualina at Bayside Toronto by Tridel

Coming soon: a master-planned community on the city’s waterfront. Web: Tridel.com

Cinema Tower by Daniels

World-class condo in the heart of the Entertainment District. Register now. Web: CinemaTowerCondos.com

Context King West by Context

Coming soon to King West – community and design for everyone. Register now. Web: ContextKingWest.ca

Dragon Condos by Ideal Developments

Eau Du Soleil by Empire Communities

Surfacing soon: one of Canada’s tallest and most iconic waterfront condos. Register online. Web: EauDuSoleilCondos.com

The Epicurean by Monarch Corp.

A stylish new condo for local foodies in Bloor West Village. Register now. Web: MonarchGroup.net

Fabrik by Menkes

FAD Condominiums by Tri-Win

Fashion District Condominiums, coming soon to this trend-setting hot spot. Web: FadCondo.ca 090 new Condo Guide jul 13 - Aug 10, 2013

Imperial Plaza by Camrost Felcorp

Sixteen-foot loft living at Yonge and St. Clair. Register today. Web: 16FootLofts.ca/cg

Indx Condos by Lifetime & CentreCourt Developments

Coming soon to Bay and Adelaide. Register now to stay informed. Web: IndxCondos.com

Jade Waterfront Condos by Phantom Developments

Opening soon on the Etobicoke waterfront. Register now to stay informed. Web: JadeWaterfrontCondos.com

Noir Condos by Menkes

Coming soon to the heart of Toronto, at Peter and King. Register now. Web: Menkes.com

One Park Place by Daniels Corp.

Now on sale, the “one” place to be in downtown east. Register now to stay informed. Web: DanielsOneParkPlace.com

Sixty Colborne by Freed Developments

A block from everything at King Street East and Church Street. Register now. Web: SixtyColborne.com

South Hill on Madison by Burnac

Coming soon to the coveted Casa Loma neighbourhood. Register now. Web: SouthHillOnMadison.com

Tao by SigNature Communities

Boutique condos on Bayview in Richmond Hill. Coming soon. Web: TaoCondos.ca

Ten York by Tridel

Rising above it all at York and Harbour. Register now for your private oasis. Web: TenYork-condos.ca

Tux by Great Gulf

Rising 40 storeys at King and Blue Jays Way. Take the next step – register now. Web: GreatGulf.com/register

The Upper Canada Condominium by State Building Group

Coming soon, affordable luxury at Avenue Road and Lonsdale. Register now. Web: UpperCanadaCondo.com

Vivid by Pemberton Group

Affordable luxury living at Bloor and Islington. Register now. Web: VividCondos.com

Yonge & Rich by Great Gulf

Live at the centre of it all at Yonge and Richmond. Register for a preview. Web: YongeandRich.com

Yorkville Plaza by Camrost Felcorp

Grand opening at this iconic address. Offering the best things in life right outside your door. Web: YorkvillePlaza.com

condo profile

ELEVEN SUPERIOR

makes waves in the heart of Mimico-by-the-Lake:

Homebuyers hurry to reserve their spot along Mimico Waterfront as construction speeds up

irst-time homebuyer Marijana Cuvalo is thrilled to plan her move in her new condo, now that the crane is in motion at Eleven Superior. When she first began her search, Eleven Superior by Davies Smith Developments in Mimico-by-the-Lake immediately stood out, checking all the boxes for must-haves. She knew what she wanted in her first home and wasn’t prepared to sacrifice her priorities. Cuvalo put her search on the back burner but never forgot the condo project she first fell in love with. When she saw that the excavation was almost complete, she knew she couldn’t wait to purchase any longer. With current prices, she was even able to buy a bigger unit than she originally planned. “My brother told me to go big or go home,” said Cuvalo, who will soon be living in a 668-sq.-ft. one-bedroom plus den at Eleven Superior. Cuvalo was drawn to Eleven Superior because it offered a convenient location in the heart of an established Etobicoke community. Mimico is the ideal halfway point for Cuvalo between her family in Mississauga and her work and social life in Toronto. She fell in love with Mimico’s pedestrian-friendly streets and charming retail strip, and liked the idea of living in an established neighbourhood surrounded by many beautiful old homes. An avid runner, she’s thrilled to be along the waterfront trail – Eleven Superior is steps from Toronto’s newest Waterfront Park. The new 1.1-km Mimico Waterfront Park is outfitted with boardwalks, cycling and in-line skating trails, rest areas, sand dunes and cobble beaches welcoming joggers, cyclist and urban explorers along the city’s waterfront edge. While Eleven Superior offers four-season recreation opportunities just outside its doors, it is only a short car-ride from downtown Toronto and is accessible by streetcar with a stop right outside the door. Eleven Superior residents will enjoy the convenience of living right on Mimico’s pedestrianfriendly main street, lined with retail, supermarkets, restaurants and coffee houses. 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. A selection of one- and two-bedroom suites and townhomes remain, ranging from 559 sq. ft. to 1,047 sq. ft. with prices starting in the mid-$200’s. Eleven Superior spaces feature immaculate laminate flooring and a choice of palettes to accommodate individual styles. The kitchens boast granite countertops and modern wood cabinetry. The bathrooms, foyers and laundry areas are polished with porcelain or ceramic floors. Suites also feature vast windows providing magnificent views of Lake Ontario. Residents will enjoy an indoor rooftop amenity space that includes a fitness centre, social lounge with private room for entertainment. Indoor amenity space connects to a generous wrap-around terrace equipped with a barbecue that overlooks the water. Purchasers can now receive $10,000 off two-bedroom suites and townhomes

092 new Condo Guide jul 13 - Aug 10, 2013

or $5,000 off one-bedroom suites. Prices start from the $250’s. Current offers include pristine stainless steel appliances and stylish under mount sinks. Residents will have access to storage lockers and parking. Due to construction, Eleven Superior’s sales centre has moved to a temporary office located on Superior Avenue, steps from 2398 Lake Shore Blvd West. For more information and for sales centre hours, call 416.259.8882, email info@elevensuperior.com or visit elevensuperior.com To stay updated with Eleven Superior’s construction, check out the Davies Smith Developments blog (blog.davies-smith.com) or join the conversation on Facebook (DaviesSmithDevelopments) and Twitter @daviessmith

TOW N HOME S A N D CO NDO MINIUM S UITES IN T HE H EA R T O F MIMICO-B Y-THE-LAKE

ER N! D UN CTIO W RU O N ST N O C

UP TO $10,000 CASH BACK ON SELECTED SUITES

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 to 2 bedrooms starting from the low $200s Limited time incentives. Call today!

Monday - Wednesday 2 pm - 7 pm Saturday & Sunday 11 am - 4 pm

*Limited time offer. Cash back credit on closing. $10,000 off 2 beds. $5,000 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.

june 29 - july 13, 2013 new Condo Guide 093

condo profile

Making its Watermark on historic Long Branch

Aspiring chefs will love the custom kitchen cabinetry with extended height uppers, offering plenty of storage space. 094 new Condo Guide jul 13 - Aug 10, 2013

ward-winning residences are taking shape in one of Toronto’s most up and coming neighbourhoods – Long Branch. Located at the historic corner of Lake Shore Blvd. West and Long Branch Avenue – Watermark is a striking sevenstorey boutique condominium residence boasting timeless traditional architecture including antique red brick, limestone accents, large cornice mouldings and decorative metal details – all blending beautifully with the historic structures that have characterized this area for more than a century. Inside, an elegant hotel styled lobby welcomes residents and guests with comfortable seating and concierge service. The Watermark Club Room with its spacious lounge, wide screen television, caterer’s kitchenette and bar allows residents to entertain in style. Just off the Club Room is a large outdoor seating area with barbecues and dining areas– a perfect place to escape the confines of city living. The show-stopper of Watermark is the roof-top terrace featuring outstanding views of Lake Ontario and downtown Toronto. For those looking to stay active, a fitness centre complete with cardio and weight-training equipment is available on-site, while nature trails and parks are only a short stroll away. The 72 residential suites of Watermark are elegantly appointed; featuring open concept designs, deep balconies and terraces (as per

plan), soaring nine- ft. ceiling heights and luxurious finishes. Quality laminate wood flooring in the living/ dining room, kitchen, foyer and hallways offer style and durability, while plush carpeting with under-pad in all bedrooms pampers your feet. Aspiring chefs will love the custom kitchen cabinetry with extended height uppers, offering plenty of storage space. The beautiful granite or engineered quartz countertops complete with stainless steel undermount sink offers an ideal meal prep area. Upgraded stainless steel appliances including fridge, slide in stove and dishwasher combine style and function in this much-used space, and the high efficiency front loading stacked washer and dryer will help to lessen laundry chores. The spa inspired bathrooms, complete with designer cabinetry and stone countertops provide a luxurious retreat from the hectic world around and the deep soaker bathtub will help soothe the stresses of the day. Surrounding Watermark is Long Branch, a community founded as a vacation destination for Toronto’s 19th century elite. With easy access to the

waterfront and convenient connectivity to all parts of the GTA via the nearby Long Branch GO station, TTC streetcar, Hwy. 427 and Gardiner Expressway, it’s easy to see why this area has maintained its reputation as a hidden gem along the Toronto waterfront. For outdoor enthusiast, Marie Curtis Park, Len Ford Park, Long Branch Park and Colonel Samuels Smith Park are all within walking distance. When the weather is warm – go sailing at the Lake Shore Yacht Club or play a few rounds of golf at nearby Toronto Golf Club or Lakeview Golf Club. For bookworms, the Long Branch Public Library is across the street while Humber College - Lake Shore Campus is five minutes away. Residents looking to outfit their suite with the latest designer trends can visit nearby Sherway Gardens located just up the street; while the downtown core for work and entertainment is only 15 minutes away. With its enviable location in one of the last developing waterfront areas in Toronto, and its award winning design, now is the opportunity to purchase in this landmark community. About the Builder

Founded in 1992, the Queenscorp Group of Companies specializes in building niche residential and commercial real estate developments across the southwest GTA. With projects ranging from midrise condo towers to lowrise waterfront enclaves, Queenscorp has built a reputation for quality and innovation as demonstrated in its vibrant award-winning communities. Visit the Watermark Presentation Centre, located at 3609 Lake Shore Blvd. W., Suite 104, Toronto. For more information, please visit queenscorp.com or call 416.354.2221.

095

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416.626.4889

Love to shop? Our 2013 shopping guide profiles some of the GTAâ€™s top home and dĂŠcor shops and services. 096 new Condo Guide jul 13 - Aug 10, 2013

THE LAST PHASE OF THE BROWNSTONES IN DAVENPORT VILLAGE IS COMING SOON Featuring 2 Bedroom layouts with outdoor patio or 2 Bedroom + Loft designs with rooftop sundeck, these homes offer incredible lifestyle in the City. Conveniently located close to transit, shopping, schools and the newly opened Davenport Village Park across the street.

BROWNSTONES5.COM

Prices and specifications subject to change without notice. E. & O.E. 2013.

300â€™s

COMING SOON

FROM THE MID

2 BEDROOM TOWNS

INCLUDING PARKING jul 13 - Aug 10, 2013 new Condo Guide 097

money matters

// by gail vaz-oxlade

We’re Having a Baby!

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

098 new Condo Guide jul 13 - Aug 10, 2013

ne of the life events that will have the biggest impact on your money is the arrival of a new babe and the income loss associated with taking maternity leave. In Canada, new moms can take up to 52 weeks off from their jobs and have those jobs protected for their return to work. However, all that time off doesn’t necessarily come with a full pay cheque. Yes, there are companies that offer a “top up,” but it hardly ever is for the full amount of your before-baby pay, and it seldom lasts for the full year. For people who do not receive a top-up, employment insurance (EI) benefits will provide an income. EI benefits are calculated as 55 per cent of your normal earnings up to a maximum salary. So if you’re earning $40,000 a year, which translates into $3,333 before taxes a month, or $769 gross a week, you’ll be entitled to 55 per cent of that or about $423 a week, before taxes. Ouch!

On top of that pain is the fact that the first two weeks of mat leave are unpaid, so your income calculation won’t start until the third week. And since it’ll take between four to six weeks to get your first EI benefit deposited into your bank account, you shouldn’t be counting on that money to make your mortgage payment or buy food. Moms aren’t the only ones who can take time off with your new Mini-Me. Dads can take up to 35 weeks of parental leave; however EI benefits have to be shared between the mother and father so they can’t both collect EI at the same time. Adoptive parents also get to take parental benefits and fall under the same rules as dads. So, now that you know you’ll only be getting a fraction of the income you’ve become used to, how are you going to cope? Many new moms and dads resort to using their credit cards or lines of credit to see them through. Dumb! With a new long-term expense – that’s the baby – adding gobs of interest to the equation is no way to secure your financial future. Every month you’ll fall further and further behind, becoming almost desperate at the hole you’ve dug yourself. And if another baby arrives soon after, your goose will be cooked. Just because Canadians are guaranteed a year of mat leave doesn’t mean we have the right to take it. We only have that right if we’ve taken the time to plan for it, and have the money we’ll need to make ends meet without going into debt. The best way to see the implication of the mat leave income drop-off is to live on the equivalent of your mat leave income for the duration of your pregnancy. Put the rest of the money you’re earning

You have to make a budget that balances while you’re off, including a whole bunch of new categories that incorporate baby’s food, clothes, personal care (diapers, shampoo, cream), medical, toys, activities, and savings. away for emergencies, to buy the stuff you’ll need for baby, or to start an education savings plan. If you can’t swing it for the months that you’re pregnant, you might want to reconsider taking the full year’s mat leave. The other thing you have to consider is which member of the family should take the most time with the baby. While, traditionally, women have done this, when the woman is the primary breadwinner in the family then the income loss to the family is felt doubly. Do the math to see who should take time off and how much, and how that will impact on the family’s financial situation. You have to make a budget that balances while you’re off, including a whole bunch of new categories that incorporate baby’s food, clothes, personal care (diapers, shampoo, cream), medical, toys, activities and savings. Don’t forget the costs associated with actually getting the baby here: hospital rooms and parking. If you have a health plan through work, you may be covered for semi-private room. If not, you may have to settle for sharing a room with a lot of other crying babies. And don’t bank on being in hospital for only one day. If there’s any complication with baby, you’ll be “living” at the hospital until baby can come home. Don’t add financial stress to your already over-stressed life. The arrival of your newest family member should be a time full of joy and excitement. But you can’t expect things to run smoothly if you’re a dope and don’t do some planning. People like to say they didn’t have any time to plan… that they were “surprised” by baby’s arrival. You’re kidding me, right? Nine (I actually think of it as 10) months isn’t enough time to figure out how you’re going to cope? Or maybe it’s that you don’t want to have to face some hard truths. Well, you have a baby to consider now, so it’s time to wake up and smell the poop! jul 13 - Aug 10, 2013 new Condo Guide 099

Scrumpdillyicious

Leslie Styles, foodie and travel aficionado, shares some delicious dishes found on her travels around the world

Nanaimo squares Directions

Cream butter and sugar together, then add beaten egg and mix (or if you don’t like to use raw egg — melt first 3 ingredients in top of double boiler, then add the raw egg, stirring to cook and thicken, then remove from heat). Continue by stirring in crumbs, coconut, and nuts. Press firmly into an ungreased 9” x 9” pan. My Mom uses a glass pyrex dish, which I think works better. Melt chocolate and butter over low heat. Cool. Once cool, but still liquid, pour over second layer spreading evenly. Refrigerate until firm. Cut into squares, serve and enjoy. My Mom used to make Nanaimo Squares when I was a child. She made other

desserts too, but her Nanaimo Squares were the absolute best. ‘Sweet’ doesn’t even begin to describe these delectable little wonders. They start with a crumb base, followed by a layer of light custard buttercream, topped with a smooth glossy layer of semi sweet chocolate. Best of all, you don’t have to bake them. A true Canadian original, Nanaimo, BC claim these squares as their own, when Mabel Jenkins submitted her original recipe in the 1950s for a local fundraising cookbook. More recently however, a contest was held in 1986, inititated by the Mayor of Nanaimo, to find the ultimate recipe, and Joyce Hardcastle was the winner. They’re famous for a good reason – they’re just plain delicious. There are all sorts of recipes out there which add peanut butter or peppermint, but my Mom’s are the best!

Mom’s Nanaimo Squares ingredients Middle Layer › ½ cup unsalted butter  › 3½ tbsp vanilla custard powder  › 3 tbsp milk › 2 cups icing sugar

Icing Layer › 4 squares semi-sweet chocolate (1 oz. each)  › 1 tbsp unsalted butter

100 new Condo Guide jul 13 - Aug 10, 2013

Leslie Styles is president of Styles Design Inc., a Toronto-based branding and communications agency, and author of Scrumpdillyicious, a food & travel blog dedicated to all things delicious. She can be reached at stylesdesign.net and scrumpdillyicious.blogspot.com

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IN THE NEWS

383 Sorauren hosts barbecue It may have been a bit soggy on and off, but that didnâ€™t dampen any spirits at 383 Sorauren. The developers hosted a delicious organic barbecue in the parking lot, treating guests to tasty hot dogs and hamburgers from local Rowe Farms. 383 Sorauren, by Gairloch Developments and Centrestone Urban Developments, is minutes from the trendy Roncesvalles area and Sorauren Park. Created by Peter Clewes, the 10-storey cutting edge design features just 144 suites from 470 to 1,500 sq. ft., with prices starting in the mid $200â€™s in this popular residential neighbourhood.

For more information, visit 383sorauren.com

102 new Condo Guide jul 13 - Aug 10, 2013

383 Sorauren, by Gairloch Developments and Centrestone Urban Developments, is minutes from the trendy Roncesvalles area and Sorauren Park.

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quick tips

A couple’s guide

to smart saving – CDIC also provides savings protection for eligible deposits held in trust for another person. Trust deposits are insured separately from deposits held personally by the trustee or the beneficiary. This means if your partner is the beneficiary of an eligible deposit in which you are the trustee, they will be insured up to a maximum of $100,000 in addition to their eligible deposits not held in trust.

›› Trust Deposits

›› Spousal RRSPs – CDIC also

ensures eligible deposits held in an RRSP separately from other eligible deposits up to a maximum of You’ve made a decision to share your life with someone – you’ve $100,000. In the case of a spousal moved in together, made your first joint purchase… perhaps you’re even RRSP, the contributor and the considering a joint bank account! As rewarding as it can be, managing owner are different people. Eligible your savings with a significant other can also be a challenge. Whether you contributions are added to other keep separate accounts or have fully merged finances, it is useful to know registered deposits in the name of how deposit insurance can specifically apply to couples. the spouse or common-law partner The Canada Deposit Insurance Corp. (CDIC) is the federal agency that for whom the plan is established exists solely to protect the savings of Canadians in the event their bank – not with deposits in the fails or goes bankrupt. If you have an eligible account held in Canadian contributor’s name. dollars at a CDIC member institution, you are automatically insured up to $100,000. Take a minute to review how different types of eligible deposits Keep in mind that only deposits apply to you and your partner to ensure your savings are protected. held in Canadian funds are protected. So any joint deposits or ›› Joint Accounts – CDIC provides separate deposit insurance coverage financial products you may hold in for eligible deposits held in more than one name (joint accounts and U.S. funds are not eligible for CDIC financial products). It is important to note that deposits you own jointly deposit insurance coverage. For full with someone else are insured separately from deposits you hold in your details, please visit cdic.ca. own name. CDIC ensures eligible joint deposits and financial products Knowing the basics of how these up to a maximum of $100,000. Keep in mind, however, that the different eligible deposits can apply maximum insurance coverage of $100,000 applies to the account, to you and your partner will help not the individual owners. ensure your savings are fully protected. NC

104 new Condo Guide jul 13 - Aug 10, 2013

ins w s t t the e a e r r t a s . e B eY h t s! f A o B t H c e O Proj 2012

This must be what it feels like to win big at the Academy Awards! On September 24th, B.streets was recognized with five awards at the 2012 OHBAs in Collingwood, the Oscars of the real estate world. Our big wins included Best Ad Campaign, Best Logo, Best Brochure, Best Sales Office, and Project of the Year! We proudly share this honour with all of our supporters. There is still a great selection of incredible suites available. Book your private appointment today and make B.streets your home base. NOW UNDER CONSTRUCTION. From the low $300’s. By appointment at 385 Madison Avenue

MACPHERSON AVE.

MADISON AVE.

Condos at Bloor & Bathurst

PRESENTATION CENTRE

AVENUE RD.

B streets

™

BATHURST. ST.

BSTREETSCONDOS.COM 416.53.CONDO [ 532.6636 ]

DAVENPORT RD.

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B streets Condos at Bloor & Bathurst

EXCLUSIVE BROKER: MILBORNE REAL ESTATE INC. PRICES & SPECIFICATIONS SUBJECT TO CHANGE WITHOUT NOTICE. E.&O.E. CREATIVE: LA-ADS.COM

jul 13 - Aug 10, 2013 new Condo Guide 105

condo watch

previews & registrations West Tower by The Daniels Corp.

Coming soon: The dawn of a new landmark community in Erin Mills. Web: DanielsErinMills.com

A master-planned urban community in Richmond Hill Web: SkyCityCondos.com

Centro Square by Liberty Development

Upper Village Markham by Greenpark

A master-planned community in the heart of Woodbridge. Register now for Phase 2. Web: CentroSquare.ca

The Clairington by Castleridge Homes

Active adult living in a parkside condominium in Brampton. Web: TheClairingtonCondos.com

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

Courtyards of Maple by Marino/Intercity/TriAxis

European-inspired condos coming soon to Maple. Register now to stay informed. Web: CourtyardsOfMaple.com

Downtown Erin Mills by Pemberton Group

Coming soon to Erin Mills: condo living with a downtown vibe. Register now. Web: DowntownErinMills.com

Fairground Lofts by Wycliffe Homes

Urban lofts are coming to Woodbridge Village. Register now for preview. Web: FairgroundLofts.ca

Grand Palace by Guizzetti Corp.

Park City Condominiums By Tobyn Park Homes

Currently in pre-construction at Walkers Line and Upper Middle Road in Burlington. Register now. Web: ParkCityLiving.ca

Pinnacle Uptown by Pinnacle International

Construction has started on Mississauga’s live-work-play community. Register today. Web: PinnacleUptown.com

Rain Condominiums by Empire Communities

Coming soon to Oakville – the South Tower at Rain Condominiums. Register now. Web: RainCondos.com

106 new Condo Guide jul 13 - Aug 10, 2013

Skycity Condominiums by Pemberton Group

Now registering, UV2 – the North Tower. South Tower is already 90 per cent sold and under construction. Web: UV2.com

Windows on the Green by Vandyk Communities

A beautiful selection of condos coming soon to Mississauga on Erin Mills Parkway. Web: WindowsOnTheGreen.ca

Legacy Park by Liberty Development

Register now for the Grand Finale at Thornhill City Centre – iconic architecture, urban suite designs and fabulous park views. Web: LegacyParkCondos.com

new releases & grand openings Allegra by Nova Trimax

Affordable luxury, steps from the Village of Woodbridge. Construction started on Phase 1. Web: AllegraCondos.com

Garden Court Condos by Monarch

Now open in Markham. Visit the Experience Centre at 10350 Woodbine Ave. Web: MonarchGroup.net

PSV2 & Parkside Village Townhomes by Amacon Developments

Offering the convenience of downtown living with the tranquility of a suburban context. Grand opening. Web: LifeAtParkside.com

GTA Edition July 13 - August 10, 2013

Your complete source for condos, lofts and townhomes in the 905 region

IN THIS SECTION Maps and listings for new condo communities in the 905 region Builder news and the latest in condos in the 905

15 32

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Lindsay

East Gwillimbury Alliston,

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Georgina Island 33 obcayg B

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Vespra4

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Fort Erie

Oakville K

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Tosorontio Everett

Port Dover

Georgian Bay

Wasaga Beach

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Dunnville Tay

Chippawa

Welland

NIAGARA FALLS

Fonthill

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New Credit

Nanticoke Q

Vineland Lincoln

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Beamsville

lvd

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Virgil

Port Dalhousie

Haldimand 69

Grimsby

400

Niagara-on-the-Lake

Scotland

Glanbrook

Midland

M Dr iss is

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Rd rry Dr ur

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LAKE ONTARIO

Stoney Creek

Ancaster

QEW HAMILTON

403

St. GeorgeN

Thornbury

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To LONDON

Key Maps

Carlisle Burlington

Flamborough

Paris

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CAMBRIDGE

Puslinch

Oakville

ive ss

10 e S Av

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* Due to scale restrictions, locators are approximate. Please see builderâ€™s ads for exact locations.

d W al

Bolton

21 22

Sid er

25 th

oa d

Sid

er oa d

Builder

Site

Great Gulf Homes

34 Pinnacle International

Telephone

TH* C*

Price Range

Page

Finder

HOT

905-828-4257

•

from $278,000

16M

Pinnacle Uptown, Crystal 2

905-568-9000

•

from $255,000

111

19K

•

from $250,000

16M

Pemberton Group

Miracle in Mississauga

905-603-6300

The Daniels Corporation

FirstHome™ Long Valley Phase Two

905-814-0123

•

from $279,000

15M

Castle Group

Tuscany Gates

905-501-9557

•

from $340,000

20J

Conservatory Group

Mirage

905-232-2400

•

from $250,000

20K

AMACON

PSV2

905-273-9333

•

18M

Conservatory Group

Widesuites

905-897-8536

•

from $375,000

21K

Fernbrook Homes

Absolute Vision

905-803-0556

•

from $188,000

21k

Cityzen

Absolute Vision

905-803-0556

from $188,000

21K

•

21K

•

10 AMACON

The Residences at Parkside Village

lifeatparkside.com

12 Alterra Homes

Renaissance in Olde Brampton

905-454-7222

•

from $215,000

13d

12 Alterra Homes

Renaissance in Olde Brampton

905-454-7222

•

from $215,000

13d

14 Pemberton Group

Rosedale Village Golf & Country Club

905-799-5000

•

from $190,000

12e

16 Vandyk Communities

Windows on the Green

905-822-3333

from $270,000

17M

17 Pemberton Group

Downtown Erin Mills Condominiums PembertonGroup.com

•

from $320,000

18 Retirement Lifestyle Communities

Palisades on the Glen

905-820-8210

•

from $290,000

17M

19 United Lands

Stonebrook II

905-822-8858

•

22n

21 Casino Bay Dev. Corp./Toddglen

Panoramic Point at Brewery Bay

27 Inzola Group

•

1-866-611-5525

•

from $264,000

Park Place

905-451-7001

•

from $310,000

14G

30 Pinnacle International

Pinnacle Grand Park

905-276-3981

•

from $250,000

20L

30 Pinnacle International

Pinnacle Grand Park 2

905-276-3981

•

from $250,000

20L

31 Pemberton Group

Bluwater Condos

416-987-8800

•

from $350,000

17T

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

17P

36 Mady Development

Market Town Condominiums

705-719-1222

•

from $144,000

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

39 The Daniels Corporation

Limelight Condominiums

905-306-6996

•

from $200,000

21L

45 Empire Communities

Rain Condominiums

raincondos.com

•

from $260,000

17Q

46 Mattamy Homes

The Mount Pleasant Village

mattamyhomes.com

•

from $200,000

20M

47 The Daniels Corporation

Daniels Erin Mills

•

17M

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

•

905-306-6996

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

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

109

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

East

Hwy. 27

Tow n of Oshaw a

7 407

Markham

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TH* C*

Town of Markham

11 Concess

Telephone

10 Concess ion R

Site

9 Line

Hwy. 48 le Dr

14 Ave

Raymervil

3 407

Main St S

35 404

2 42

Bullock Dr Hwy 7

McCowan Rd

905regionalmaps: Maple, Thornhill, Richmond Hill, Vaughan, Markham, Ajax, Whitby, Oshawa

Key Maps

Major Mackenzie

Aldergrove Dr

Kennedy Rd

110

John

404

Steeles Ave E

Builder

Warden Av e

Clark Ave W

18 Ave

16 Ave Carlton Rd

Ave

Cachet Pkwy Woodbin e

Centre St

Steeles Ave W

Leslie St

24 1 13

Elgin Mills Rd

Leslie St

407

16th Ave.

Thornhill Henderson Av

Yonge St

31 30

rn Ave

43 10

Langstaff Rd

404

Strathea

e Av

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n to

Weldrick Rd W

Rutherford Rd

400

41 26

401

19 Ave

Major MacKenzie

Richmond Hill Denham Dr

ng Isli

t nce S Clare Kipling Av

f Rd Langstaff

Bayview Ave

Maple

Elgin Mills Rd Neal Dr

Regent St Mill St

Yorkland

Huntingto

Major Mackenzie

19th Ave.

Gamble Rd

Bathurst St

Dufferin St

401

y Cr

Teston Rd

Nashville Rd

400

Jefferson Sideroad

Keele St

Kirby Rd

Jane St

Pine Valle

401

Weston Rd

Cold Cree k

12 Line Rd

King-Vaughan Rd

Tow n of Ajax

City of Pickering

Yonge St

King Rd

Tow n of W hitby

Bloomington Sideroad

21 22

Denison St

Price Range

Page

Finder

Legacy Park

905-731-8302

•

Sky City 2

905-709-5700

•

from $320,000

12F

32 Liberty Development Corp.

Royal Gardens

905-889-9997

•

from $279,000

36-37

14f 12E

13 Liberty Development Corp. 31 Pemberton Group

10g

43 Guizzetti Developments

Grand Palace

905-907-4370

•

from $295,000

115

44 Liberty Development Corp.

Centro Square Condos 2

905-851-8877

•

from $270,000

45 Kylemore Communities

The 6th Angus Glen

905-887-9950

•

19E

46 Empire Communities

The Mark

themarkcondos.ca

•

from $250,000

21E

Monarch Corporation

Garden Court

monarchgroup.net

•

from $250,000

16D

Flato Development

Arthouse

from $200,000

22E

Remington Group

Downtown Markham - Rouge Bijou

905-948-9900

•

from $180,000

18f

Tridel Corporation

Renaissance of Richmond Hill

416-736-9500

•

from $720,000

12G

State Building Group

Promenade Park

905-709-3352

•

from $410,000

10g

Uppercity Village

Greensborough Village

905-489-9964

MintoUrban Communities Inc.

WaterGarden

416-915-3800

Catalia Development

Summer Palace

Amicorp

Terraces on the Park

10 Great Lands Corp.

The Beverly Hills Resort Residences

905-882-6636

11 Triaxis Development Inc/Marino Developments

Courtyards of Maple

416-798-7070

•

from $390,000

12 Greenpark Homes

UV2

UV2.ca

•

from $248,000

22F

20 Solmar Development Corp

Bellaria Residences

905-417-8482

•

from $240,000

22 Quadra Mgt. & Sceptre Devs.

Renaissance Court at Woodbridge Gates

905-851-4220

•

from $230,000

22 Wycliffe Homes

Fairground Lofts

905-605-5900

•

from $287,000

24 Liberty Development Corp.

The Fountains

905-731-8302

•

from $272,000

10F

26 Rice Development

Ambria

905-796-3630

•

from $340,000

28 Chestnut Hill Homes

San Francisco by the Bay

905-831-3631

•

from $180,000

22C

31 Pemberton Group

Miracle at Yonge

905-709-5700

•

from $280,000

12F

Sky City

905-709-5700

•

from $320,000

12F

32 Signature Communities

TAO Boutique Condos

905-597-2535

•

from $200,000

14F

34 Sierra Homes

68 Main Street

905-305-0822

•

from $250,000

22F

35 Remington Group

Nexus North Condominium Residences

905-948-9900

•

from $200,000

17F

40 Nova Trimax

Allegra

905-850-6866

•

from $250,000

41 Quadcam Development Group Inc

Vista Parc Condominiums

905-850-8883

•

42 Greenpark Homes

The Upper Village

905-554-6501

•

from $288,000

21E

44 Liberty Development Corp.

Centro Square Condos

905-851-8877

•

44 Liberty Development Corp.

Corporate

mylibertycondo.ca

•

31 Pemberton Group

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide. Please refer to page number for complete information.

arthousemarkham.com

•

from $249,000

23e

•

from $254,000

11G

905-597-6868

•

from $250,000

15F

905-265-8739

•

from $210,000

from $250,000

13F

•

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

condo profile

Crystal

at Pinnacle Uptown

he future is looking bright for the two Crystal towers at Pinnacle Uptown with construction well underway and reaching the ground level, both towers are now on the rise! This inaugural phase of the master-planned community, Pinnacle Uptown will begin to soar up into the Mississauga skyline and will be looking forward to welcoming residents in October of 2014 to move-in.

Crystal Shines Bright

Starting from $254,900, Crystal is designed to suit the needs of everyone. With a unique blend of comfortable one-bedrooms to spacious three-bedrooms layouts, street level two-storey garden homes and penthouse suites, up to 1,800 sq. ft. Crystal is perfect for the young professional who likes all things urbane, empty nesters looking to downsize and first-time home buyers who want a hasslefree existence. Crystal will also be the home of indulgent amenities, with more than 28,000 sq. ft. of amenities club space, including an indoor pool, whirlpool, party room 112 new Condo Guide jul 13 - Aug 10, 2013

and gym devoted to the luxuries which have become synonymous with living a well-balanced life. Conveniently located off the northwest corner of Hurontario and Eglinton, Crystal is the perfect hub with neighbourhood amenities within walking distance, Mississauga Transit that leads to Square One and GO Train Stations, and quick access for driving on Hwy. 10, 401 and 403 for everyone to mobilize. To enhance your Crystal at Pinnacle Uptown experience, Pinnacle International has included the project in its corporate iPad App. The iPad App provides 360-degree views from Crystal, sortable and emailable floorplans and a helpful neighbourhood map highlighting schools, grocery stores and parks. To download this free iPad App, please visit pinnacleinternational.ca

Pinnacle Uptown will begin to soar up into the Mississauga skyline and will be looking forward to welcoming residents in October of 2014 to move in. Pinnacle Uptown, a Master-Planned Community

Pinnacle Uptown will be an integral part of the Uptown Mississauga community with the contribution of more than 14 acres of public parkland, living in this neighbourhood could not look any greener! This master-planned community will provide a variety of housing options: three-storey townhomes, low-, mid- and highrise condominiums ranging from one-bedroom to threebedroom plus den units, future retail and commercial space along Hurontario, all of which will continue to make Pinnacle Uptown the community of choice in Mississauga for years to come. Pinnacle International

Pinnacle International is a Vancouver-based developer with over three decades of experience. Its Ontario portfolio includes the

Bellagio on Bloor, the recently completed four-phase, 2,000 residential suite Pinnacle Centre in downtown Toronto located at Bay, Harbour and Yonge Street. Currently, Pinnacle International has multiple projects under construction, including the Pinnacle on Adelaide in the heart of the Entertainment District in Toronto, and Pinnacle Grand Park and the two towers of Crystal at Pinnacle Uptown in Mississauga. The Pinnacle Uptown Presentation Centre with model suites is located at 5044 Hurontario St. and Eglinton. For more information, call 905.568.9000 or visit pinnacleuptown.com jul 13 - Aug 10, 2013 new Condo Guide 113

quick tips

While a will does not need to be a complicated document, it is always advisable to contact a lawyer or trust company to help you.

Five reasons why women

should have their own will

Making a will is a sensible and worthwhile task that everybody, whatever their age or financial status, should do. However, there are some special reasons why women should make a will of their own.

A will lets you decide »W omen usually live longer than men – which often means outliving their husbands. It’s a good idea for each spouse to have their own will. »P lanning for children or other dependents is something that women usually want to pay special attention to. »T axes and legal concerns (especially if there were a previous marriage or other dependents) should be carefully considered. »M any women will want to make special arrangements for the distribution of family heirlooms, jewellery, items of historical or sentimental value and their own property. »C ontinuing the support for charities and organizations that many women supported during their lifetimes may be a consideration. With a properly prepared will, you can ensure that: » Property will be distributed exactly as you would have wished; » You can name your own executor to administer your estate; » Guardians of children will be named in the way you want; »P ersonal items such as jewellery and antiques will be handled the way you intend; » I ndividuals, your associations, charities and organizations like Amnesty International will receive the support you had always intended for them. Prepare a will now

If you do not have a will, now is the time to prepare one. While a will does not need to be a complicated document, it is always advisable to contact a lawyer or trust company to help you. The peace of mind which comes from ensuring there are no small mistakes or omissions, which could cause difficulties for 114 new Condo Guide jul 13 - Aug 10, 2013

your heirs, is well worth the costs of such services. Can I change my will?

Yes, you can always change your will, either completely or by means of a codicil, which is a document that adds to or alters your existing will. You should seek legal advice to do this as requirements vary from province to province. Should I leave money to a good cause?

Allocate your assets as you deem best, but you may want to consider if there are organizations and causes you’d also like to support with your estate. The tradition of leaving money to charities that benefit society and your community is many centuries old. People at all income levels support organizations like the Cancer Society or Amnesty International through their wills. These bequests are a vital source of funds for the organizations and stand as a lasting memorial to the donor. For individuals who feel that they cannot afford to make a large donation to a cause they support during their lifetime, a bequest in a will can be a good way to make a lasting contribution. A free information package is available from Amnesty International at 1992 Yonge St., Suite 303, Toronto, Ont. M4S 1Z7 NC.

Escape to our

TR U

CTI

indoor garden ...

and love winter again

STARTING FROM

Winter Garden Lobby

$295,000*

Indoor Pool & Spa

LIVE FREE

FOR A YEAR PROGRAM*

$10,000 on closing to put towards your mortgage or use as you wish We pay your maintenance fee for one year from occupancy date 15% Easy Deposit structure

RICHMOND HILL’S MOST ANTICIPATED LUXURY CONDOMINIUMS

*Ask for details.

Visit our presentation centre today.

YONGE ST.

WELDRICK RD.

BAYVIEW AVE.

MAJOR MACKENZIE DR.

16TH AVE.

PRESENTATION CENTRE

9612 Yonge St. Richmond Hill 905.907.4370 www.grandpalace.ca

Exclusive listing: Royal LePage —Your Community Realty Brokerage Broker Protected E&EO. Prices and Specifications are subject to change without notice. Illustration is artist concept. jul 13 - Aug 10, 2013 new Condo Guide 115

CHINESE HOME & CONDO GUIDE 各式電子工具都可瀏覧

網上參閱

ChineseHomeGuide.com

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

29 - Aug 3, 2013 六月二十九日至八月三日 / Jun

兩年免付管理費

CMY

Launched in 2012, the Chinese New Home and Condo shopper and investor will have a valuable new resource to help inform and guide them through the newest communities in the Greater Toronto Area. Pick Up Your Copy Today or call us for a free copy at 416.626.4889!

鏡子擺放八不宜

容的轉變 r Asia Expo 工展會 r 多倫多市

6/20/13 11:03:22 AM 6/12/13 2:41:16 PM 13-3.indd GTA Chinse Front Cover_0626

116 new Condo Guide jul 13 - Aug 10, 2013

ONE YEARLIP TS FREE BOAAGE & STO.R$5,000

CONSTRUCTION STARTING SOON

APPROX VALUE*

DROP IN & TOUR OUR ALEX-CHAPMAN DESIGNED MODEL SUITES TODAY.

Whether you’ve lived in Port Dalhousie for much of your life… or whether you’ve always wanted to live in this kind of waterfront location, Port Place offers you a once-in-a-lifetime opportunity to enjoy a carefree condominium lifestyle like no other!

STARTING FROM

$297,990

ST. CATHARINES

SPECIAL LIMITED-TIME BONUS OFFER: Reduced prices for next 20 12 purchasers only.

PORTPLACECONDOS.COM

905.937.5811

Sales Centre Hours: Monday to Friday: 1pm to 7pm, Saturday & Sunday: 11am to 5pm *For a limited time only, the Port Dalhousie Marina is offering a special bonus for boaters with ONE YEAR’S FREE BOAT SLIP & STORAGE – valued at $5,000 – to purchasers at Port Place who wish to berth their pleasure boat just steps from their new home. Talk to a Sales Rep for complete details. Prices and specifications are subject to change without notice. E.&O.E.

jul 13 - Aug 10, 2013 new Condo Guide 117

quick tips

// by hellen buttigieg

Getting started

Replace the procrastination with motivation

t can take a long time to build up clutter and just as long to clear it out. You know it’s been put off for far too long, but sometimes the procrastination is caused because you don’t know where to start. Make a plan and find the right place to start. Work on one thing at a time and you’ll find, drawer by drawer, closet by closet and room by room, it will eventually all get done. Where to start?

Hellen Buttigieg, CPO, is a Certified Professional Organizer, life coach, TV host and owner of We Organize U. Visit her website, weorganizeu.com, for a free e-Book on how to find more time, energy and inner peace. Contact Hellen at 905.829.2219 or info@weorganizeu.com

One of the most common questions I get asked when it comes to getting organized is, “Where do I start?” Picking a place to begin can often be the biggest obstacle to de-cluttering, immobilizing us from taking action. My suggestion is to think about what you are making room for. If your goal is to unload some “financial burdens” the logical place to start is the home office where the financial papers are piled. If your goal is to have more romance in your life, it would make sense to start the organizing process in the bedroom. Plan before de-cluttering

Before beginning any de-cluttering project, determine in advance how you will dispose of the items you no longer want. If you have valuable pieces and would like to sell them, decide whether you will do this yourself or hire someone to do it for you. If you would like them to go to charity, which one is it and where is it located? Some charities will pick up, so call them to find out when they will be in your area. It’s not until those boxes and bags leave your home that you will reap the full rewards of de-cluttering. Planning in advance will curb procrastination and ensure full completion of the task.

Toss old newspapers, things that are broken or have missing parts and clothing items that are permanently stained or damaged. If you can devote 10 minutes a day to this process (even the busiest person has 10 minutes a day), you’ll be amazed at how much progress you can make in just one week.

118 new Condo Guide jul 13 - Aug 10, 2013

Begin with the “no-brainers”

Start the clearing process with a “best before” box. If you can’t quite bring yourself to let go of certain items, even though you aren’t using them, consider packing them in a box and writing a “best before” date on it six months away. Put this date on your calendar as a reminder. If you don’t go into that box again before the expiry date, donate it to charity without opening it again. This provides you with a cooling-off period, making it easier to detach. Empty spaces result in smiling faces

When reorganizing a closet, a dresser or a cupboard, empty it out first. It’s motivating to see the space empty and this will give you immediate gratification. You are also likely to sort through the contents more thoroughly. However, when organizing a large area, empty only a section at a time, sort it and then move on to the next section.

Make a plan and find the right place to start. Work on one thing at a time and you’ll find, drawer by drawer, closet by closet and room by room, it will eventually all get done. Overcome procrastination

If you’ve got an unfinished project hanging over your head but can’t seem to motivate yourself to work on it, take a moment to think about what the payoff of completion would be. Write down three benefits you’ll receive by completing that particular project and keep this where you’ll see it throughout the day.

jul 13 - Aug 10, 2013 new Condo Guide 119

IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property. Thatâ€™s why we put you right in the middle of the search process.

Search your favourite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

Visit the new real estate section on canpages.ca and start looking for that special place.

120 new Condo Guide jul 13 - Aug 10, 2013

homebuyersâ€™ help

condo buyersâ€™

resource section

You love the condo, see what you can afford! Compare mortgage rates for your best deal Calculate your mortgage payments using the mortgage payment calculation chart

jul 13 - Aug 10, 2013 new Condo Guide 121

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 Calculate the combined monthly before-tax income of you and your spouse. 02 Divide by three. This figure is the monthly payment you can afford to make on your condo. 03 Take the total price of the condo and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.

122 new Condo Guide jul 13 - Aug 10, 2013

04 Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.) 05 Multiply this figure by the amount you need to borrow. Divide by 1,000.

06 Add to this your estimated monthly heating costs and monthly property taxes. 07 If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream condo.

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

Amortization Periods

Interest Rates

10 years

15 years

20 years

25 years

30 Years

3.00%

9.65

6.90

5.54

4.73

4.21

3.25%

9.76

7.02

5.66

4.86

4.34

3.50%

9.88

7.14

5.79

4.99

4.48

3.75%

9.99

7.26

5.91

5.13

4.61

4.00%

10.11

7.38

6.04

5.26

4.76

4.25%

10.23

7.50

6.17

5.40

4.90

4.50%

10.34

7.63

6.30

5.53

5.04

4.75%

10.46

7.75

6.44

5.67

5.19

5.00%

10.58

7.88

6.57

5.82

5.34 5.49

5.25%

10.70

8.01

6.74

5.96

5.50%

10.82

8.14

6.85

6.10

5.64

5.75%

10.94

8.27

6.98

6.25

5.79

6.00%

11.07

8.40

7.12

6.40

5.95

6.25%

11.19

8.53

7.26

6.55

6.11

6.50%

11.31

8.66

7.41

6.70

6.26

6.75%

11.43

8.80

7.55

6.85

6.42

7.00%

11.56

8.93

7.69

7.00

6.59

7.25%

11.68

9.07

7.84

7.16

6.75

7.50%

11.81

9.21

7.99

7.32

6.91

7.75%

11.94

9.34

8.14

7.47

7.08

8.00%

12.06

9.48

8.28

7.63

7.25

8.25%

12.19

9.62

8.44

7.79

7.42

8.50%

12.32

9.76

8.59

7.95

7.59

8.75%

12.45

9.90

8.74

8.12

7.76

9.00%

12.58

10.05

8.86

8.28

7.93

9.25%

12.71

10.19

9.05

8.45

8.10

9.50%

12.84

10.33

9.20

8.62

8.28

9.75%

12.97

10.48

9.36

8.78

8.45

10.00%

13.10

10.63

9.52

8.95

8.63

10.25%

13.24

10.77

9.68

9.12

8.80

10.50%

13.37

10.92

9.84

9.29

8.98

10.75%

13.50

11.06

10.00

9.46

9.16

11.00%

13.64

11.22

10.16

9.63

9.34

11.25%

13.77

11.36

10.32

9.80

9.52

11.50%

13.91

11.52

10.49

9.97

9.70

11.75%

14.04

11.66

10.65

10.15

9.88

12.00%

14.18

11.82

10.81

10.32

10.06

12.25%

14.32

11.97

10.98

10.49

10.25

12.50%

14.46

12.13

11.15

10.67

10.43

12.75%

14.59

12.28

11.31

10.85

10.61

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 jul 13 - Aug 10, 2013 new Condo Guide 123

jul 13 - Aug 10, 2013 new Condo Guide 123

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Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

5 years

ATB Financial 2.5

4 6.30op

3.1 6.30op

3.14 3.55 4.39 6.50op

3.54

Alterna Svgs/Alterna Bk 2.85

4 6.30op

3.05 3.09 3.09 2.99 6.30op

3.24

Bank of Montreal 3.1

4 6.30op

3.14 3.14 3.75 4.54 6.30op

3.39

Bank of Nova Scotia 3

4.55 6.45op

3.75 2.89 3.99 3.29 6.50op

4.99

Canadian Western Bank

4 6.45op

3.14 3.14 3.65 4.54 6.30op

5.14

CIBC 3 6.70op

3.09 3.14 3.75 3.19 6.35op

5.14

HSBC Bank Canada 3

2.7 3.95 2.98 4.99 6.35op

3.49

4.45 6.20op

ICICI Bank Canada

3.05

3.15

3.65

3.64

3.69

3.44

ING Direct

2.75

2.99

3.19

3.14 3.19 3.65 4.54 6.30op

5.14

Manulife Bank 3 4.45

3 3.05 3.1 3.1 4.00op

3.09

MonCana Bank

3.29

3.39

3.54

National Bank n/a

3.14 3.14 3.75 4.54 6.30op

3.69

Laurentian Bank n/a

4.4 6.70op

3.35

3.39

President’s Choice Finan

3.15

3.29

3.39

3.49

Royal Bank

3.14

3.75

3.29

3.49

3.14

6.30op

TD Canada Trust 3

3.09 3.14 3.65 3.29 6.30op

3.69

Airline Financial C.U. 4

3.01 3.1 3.33 3.65 6.25op

3.99

Luminus Financial 2.95

2.95 2.95 2.75 2.95 3.95

3.15

Teachers Credit Union 4

3.1 6.50op

3.09

2.79

2.99

3.04

3.49

4.45 6.30op

TRUST COMPANIES AGF Trust

n/a

3.04

3.15

3.6

3.64

Community Trust

n/a

6.5

3.14

3.19

3.65

4.54

5.14

Effort Trust

n/a

4.45

3.25

3.6

3.9

4.5

4.95

6.30op

Home Trust Company

3.2

3.95

2.79

2.89

2.94

3.09

3.59

Investors Group Trust

n/a

3.14

3.75

4.54

5.14

6.50op

6.30op

MTCC

4.55

3.75

3.29

4.99

6.45op

6.50op

Comtech Credit Union 2.79

6.6 8.40op

2.99 3.25 3.29 3.19 9.00op

3.09

First National Fin. LP

3.95

2.89

3.99

OTHER FINANCIAL INSTITUTIONS

3.24

3.54

FirstOntario C.U. 2.6 6.34op

2.99 3.14 3.19 2.99 6.34op

3.19

London Life n/a

3.14 3.14 3.65 4.54 6.30op

5.14

MCAP 2.7

3.6 3.95 4.35 4.89 7.00op

5.14

Meridian Credit Union 2.85 4.45

3.1 3.14 3.55 2.98 6.30op

3.19

4 6.50op

2.79

2.69

3.09

Parama Credit Union

2.9

3.15

3.25

Steinbach Credit Union

2.5

2.6

2.7

2.8

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 June 28, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

jul 13 - Aug 10, 2013 new Condo Guide 125

index of advertisers 45 Charles Ltd. - Chaz Yorkville Condos

Augustine Group - Port Place Condos

117

Bazis Inc. - E Condos

Lanterra Developments - Treviso II

Liberty Development Corp. - Centro Square Condos 2

Liberty Development Corp. - Legacy Park

Bazis Inc. - Exhibit Definitive Residences

Liberty Development Corp. - Royal Gardens

36-37

Brandy Lane Homes - The Station

Liberty Development Corp. - Terrace on Danforth

36-37

Camrost - Felcorp - Imperial Plaza

Liberty Development Corp. - World on Yonge

36-37

Camrost - Felcorp - Yorkville Plaza

Lifetime Developments - The Inventory Boutique

Canpages - Promo Carttera - One Eleven Condominiums & Lofts Chinese Home & Condo Guide - Promo

120 55 116

City Core - Harmony Village Sheppard

Concert Properties - 88 Scott

Concord Adex - Opus

42-43

Cresford Development Corp. - Lofts 399

IBC

Cresford Development Corp. - Merton Yonge Condominiums

128

Davies Smith - Eleven Superior

Dundee Kilmer Developments - Canary District Condominiums

Eden Shaw - Chaz Yorkville Condos

ELAD Canada - Emerald City Condominiums

Empire Communities - The Mark

Empire Communities - Water Tower at Eau Du Soleil Emsatec Canada Inc - The Brownstones 5

97 124

Gairloch Investments - 383 Sorauren

103

Graywood Developments - Five Condos

Great Gulf Homes - HOT

Great Gulf Homes - Monde

Great Gulf Homes - Yonge+Richmond Guizzetti Developments - Grand Palace

Lindvest - B Streets

105

Luxury Condos - Promo

127

Madison Homes - The Madison

Menkes Developments Inc. - Corporate

Insert

Menkes Developments Inc. - Harbour Plaza

Insert

Metropia - E Condos

Metropia - Exhibit Definitive Residences

MintoUrban Communities Inc. - 30 Roe

Mod Developments Inc. - Five Condos

Mod Developments Inc. - The Massey Tower

48-49

Monarch Corporation - Corporate

Insert

Monarch Corporation - Lago

Insert

Monarch Corporation - The Epicurean

Insert

6-7

Family of magazines - Promo

Great Gulf Homes - One Sherway Condominiums

22-23 17 115

Pemberton Group - Sky City 2

Pemberton Group - Vivid Condos

Pinnacle International - Pinnacle Uptown, Crystal 2

111

Pinnacle International - The Pinnacle on Adelaide

Plaza - Exhibit Definitive Residences

Rio Can - E Condos

Shopping Guide - Promo

The Daniels Corporation - Cinema Tower Condominiums

The Daniels Corporation - High Park Condominiums

15 39

Harhay Developments - One Eleven Condominiums & Lofts

The Daniels Corporation - NY2

Home + Style Studio Tour and Sale - Promo

The Daniels Corporation - One Park Place Condominiums Insert & 57

Home Decor & Renovations - Promo

Tribute Communities - Canterbury

Tribute Communities - RCM I on University

59 59

Insoho Developments - Imagine Condos

101

Kylemore Communities - The 6th Angus Glen

Tribute Communities - The College

Lanterra Developments - Riverhouse at the Old Mill

Tridel Corporation - Aqualina at Bayside Toronto

IFC

Lanterra Developments - The Britt

Tridel Corporation - Old Mill

126 new Condo Guide jul 13 - Aug 10, 2013

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A Tridel Built Green. Built for Life.® community. *Prices and specifications are subject to change without notice. Illustrations are artist’s concept only. Building and view not to scale. Tridel®, Tridel Built for Life®, Tridel Built Green. Built for Life.® are registered trademarks of Tridel and used under license. ©Tridel 2013. All rights reserved. E.&O.E. July 2013.

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*Prices and specifications are subject to change without notice. Illustrations are artist’s concept only. Building and view not to scale. Tridel ®, Tridel Built for Life®, Tridel Built Green. Built for Life.® are registered trademarks of Tridel and used under license. ©Tridel 2013. All rights reserved. E.&O.E. July 2013.

tridel.com