GTA New Condo Guide, Nov 16, 2013

November 16 - 30, 2013 Volume 17 Issue 21

The Evolution of Urban Living SmartHouseToronto.com

INSIDE THIS ISSUE

INSURANCE IS GOOD, PREVENTION IS BETTER

BILD: GROWING THE GTA

SMART INVESTING WITH PRE-CONSTRUCTION CONDOS

LIVE/DINE/SLEEP

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editor’s note

The home of your dreams is within your reach

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

Much like that bank commercial that says, “You’re richer than you think,” a new home may be more affordable than you originally thought. Perhaps you need only to change your definition of “home” to get into the market.

While a detached home is the traditional choice for many, highrise and lowrise suites, lofts and townhomes have become a prime choice among first-time buyers and empty nesters in the market for a new place to call “home.”

Not only does townhouse and condominium living afford you the opportunity to live in a prime neighbourhood at a great starting price, when it’s time to up-size your home, you can often opt to remain in the same neighbourhood, since many communities offer a mix of designs and sizes, which allows families to relocate easily without having to change jobs or schools.

Today’s communities generally have a range of sizes and prices that start at the “affordable” end of the price spectrum. Many builders and developers are gearing up for their grand openings and have new communities available for quick occupancy. It’s an exciting time to be shopping for a new place, so don’t miss this excellent buying opportunity.

Have a look through this issue and see what you think. The home of your dreams is waiting.

Price, location and layout: You can have it all in a new condo

Lydia McNutt

Editor

Wall2Wall Media Lydia.McNutt@wall2wallmedia.com Follow me on Twitter at Twitter.com/LydiasTweets

002 new Condo Guide november 16 - 30, 2013

Shopping for a new home is serious business. This is likely the biggest financial investment you’ll make in your lifetime, so do your homework to ensure you’re buying the best.

Start by speaking with a financial adviser to determine how much home you can realistically afford. This does not necessarily mean spending the amount you get pre-approved for by your bank or mortgage broker. If you enjoy dinners out or travels abroad, consider spending a little less on your home to you can still afford these little luxuries on occasion.

Next, think “location.” Where you choose to settle down will impact your lifestyle while you live there, and it will also affect the resale value if you ever choose to sell.

New condos are cropping up all across the GTA, from central downtown locations to the suburbs. Do you rely on public transit to get around? Do you wish for green space nearby? Perhaps you’d like to live close to family, or your workplace. Choose wisely – while you can change the look and layout of your home relatively easily, you can’t change its location.

And speaking of layout, take a close look at the models and floor plans, and evaluate the flow of space. If the layout doesn’t suit your lifestyle, either keep looking, or see if changes can be made. One of the nice things about buying a new home is that it hasn’t been built yet, and you won’t have to undergo a messy and costly renovation after taking possession.

There are many more advantages to living in a brand new home. Read on and discover everything that new condo living has to offer.

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CONDOMINIUMS

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NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 003

new condo guide

contributors

Vice-President, Wall2Wall Media

Jacqueline Hill Editor-in-Chief / Director of Content

Susan Legge Director of Sales, National

Josh Heppner Associate Publisher SWO New Homes & Lifestyle Communities

Susan Maxwell Art Director

Sarah Jang Editor

Lydia McNutt Contributing Editors

BILD Report

Legally Speaking

Designer Advice

Bryan Tuckey

Jayson Schwarz

Yanic Simard

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

Yanic Simard is New Condo Guide’s design editor and the principal designer of the Toronto Interior Design Group, specializing in residential and commercial projects. Simard has created designs for clients in Toronto, Montreal and Miami, and appears as a regular guest expert on Citytv’s CityLine.

Visit tidg.ca

Sara Duck Wayne Karl Elisa Krovblit Design Editor

Yanic Simard

Sales Manager

Conni Robinson 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

Condo pro

Condo Sense

Barbara Lawlor

Don Kearney

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.

Don Kearney is manager of customer communications and social media at Menkes Developments Ltd. Follow Menkes on Facebook at facebook.com/MenkesLife, and on Twitter at twitter.com/MenkesLife

Investor Advice

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

Contact Andrew at 416.371.2333 or andrew@truecondos.com

Sandra Hanak-Vujnovic Graphic Designers

Caroline Wassef Sandra Hanak-Vujnovic Published By

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

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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

Fitness Gallery

Make Your Move

Gail Vaz-Oxlade

Mark J. Stables

Chuck Resnick

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

Mark is founder of Benchmark Group and Movement Haus. His in-depth knowledge coupled with a passion for architecture and design yields an optimal exercise environment for today’s urban athlete. Visit online at movementhaus.com and benchmarkgroup.ca, or call 416.428.3536.

Chuck Resnick is vice-president of marketing and operations at Two Men And A Truck – Canada, a division of Heron Capital Corp. He can be reached by visiting online at twomen.ca and by calling 416.204.0007.

004 new Condo Guide november 16 - 30, 2013

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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table of contents

Nov 16 – 30, 2013 volume 17 issue 21

20

Smart House:

Where “small” really sings

66

columns, news & features 002 Editor’s note Columnists

014 bild report How best to grow the GTA? by bryan tuckey

044 Mortgage Finesse The importance of your credit rating

102 Pampered pets Accommodate your pooch in small but sweet style

048 legally speaking What is title insurance

109 Designer Advice Suite style

by Calum Ross

by jayson schwarz

024 Investor advice Why pre-construction condo investing is the best way to invest in real estate

052 Fitness Gallery Crash course on fitness facility etiquette

028 taxing issues Stress, and money

056 Condo Pro Resort-style living at home

032 Condo Sense The rise of three-bedroom condominiums

096 Make Your Move Technology on the move

by Andrew la fleur

by henry choo chong

by don kearney

by Mark J. Stables

by barbara Lawlor

by Chuck REsnick

100 Quick Tips The impact of stuff

by Hellen Buttigieg

by emily hashemi

by Yanic Simard

In The News

016 CMHC Housing starts forecast to remain stable in 2014 030 Urbanation Toronto condo market stabilizing, new-home market shows gradual improvement 036 OAA Reports Report shows new-home buyers paying thousands extra due to delays

058 CMHC Report October housing starts 080 Dundee Kilmer Final Canary District building topped off 104 Housing outlook Promising U.S. outlook in 2014 bodes well for Canadian economy 120 RBC Debt Poll Canadians paying off debt the old-fashioned way: spending less Homebuyers’ Help

033 Hot Dates What’s happening in and around the GTA 040 Hot Topic Insurance is great, but prevention is better

50 042 Marketplace Pretty plumes

60

by Sara Duck

054 Hot Topic Home insurance 101: What you need to know about insuring your new home

50

Liberty Development Corp.

Centro Square Premium space “commercial condos” in Vaughan’s newest mixed-use community

062 DIY Fabulous feature wall

by Sara Duck

066 Style File Master bedroom retreat

60

by Laura Stein

Bazis & Plaza

070 Mortgage Minute Mortgage smarts: Separating fact from fiction

by Peter Kinch

98

076 Purchasing Points Downsize your home, “upsize” your lifestyle

insoho

Imagine Condos One of 2013’s most successful condos coming to Kennedy and St. Clair East

078 Money Matters Avoid fraud

by Gail Vaz-Oxlade

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

118

Pemberton Group

SkyCity2 Condominiums Register now for some of Richmond Hill’s best value!

094 Hot Topic Safeguarding your investment 106 Scrumpdillyicious Molten chocolate lava cake

by Leslie Styles

122 Homebuyers’ Help Top 5 home-buying and selling hazards 124 Homebuyers’ Help Condo hunter’s checklist 129 Condo Buyers’ Resource Section You love the home, see what you can afford 134 Index of advertisers

1 Yorkville The Toronto horizon is about to be home to an awe-inspiring new milestone development

98

by Anthony Jong

112 condo watch 905 Previews, new releases and grand openings in the 905 area

condo profiles

118

bild report

// By bryan tuckey

How best to grow the GTA?

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).

T

he Ontario Association of Architects hosted a wellattended Site Plan Symposium earlier this month to release a report and recommendations on ways to improve the site-plan approval process across the province.

BILD members Daryl Keleher, associate director at Altus Group and Robert Glover, principal at Bousfields Inc. authored the extensive report, which highlights timing and cost issues related to the process. The pair spoke to their findings at the symposium.

They reviewed more than 400 projects that have gone through the as-of-right site-plan approval process in Ontario and the top five municipalities studied were: Cities of Toronto, Mississauga, Brampton, Markham and Ottawa.

One interesting finding was that despite the Planning Act 014 new Condo Guide november 16 - 30, 2013

requirement of an approval within 30 days of site plan submission, more than 35 per cent of all applications took more than nine months to approve. Half of all applications took more than three months to get approved.

The study showed that the top three reasons for timing issues were: circulation time of submission between departments; slow or no response from municipal staff; and conflicting comments from different departments or agencies, the authors told the 250 people at the symposium.

To prepare the report, the authors spoke with members of the architects’ association, municipal planning directors and members of the development industry. In addition to timing, the research revealed that the site-plan approval process has unpredictable costs and they are increasing.

This represents yet another government-imposed fee affecting the affordability of new homes and businesses in the province. At BILD, we have been working to shed light on the affordability issue. We have research that shows government fees and charges can add up to one-fifth of the cost of a new home across the GTA. The authors also told the symposium attendees that their research showed that the process can be subjective and expectations of requirements can be unclear. The legislation is not the problem, they heard, but the administration of it needs improvement. Streamlining applications, exempting certain applications, and creating dedicated site-plan review teams were some of the recommendations included in the report.

The study showed that the top three reasons for timing issues were: circulation time of submission between departments; slow or no response from municipal staff; and conflicting comments from different departments or agencies Others spoke at the symposium, including the City of Toronto’s acting director of Zoning By-law and Environmental Planning, Joe D’Abramo and the City of Vaughan’s commissioner of planning John Mackenzie, who both talked about site-plan process improvements that have been implemented and others that are underway in their municipalities.

Sharing the industry’s on-the-ground perspective, Gary Switzer of MOD Developments, who is also chair of BILD’s Toronto Chapter, spoke about his experience working through the site-plan approval process and agreed that the process can be made more efficient.

A starting point would be the findings and the discussion started by this report.

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Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artists concepts. Prices 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.

%

DOWN

in the news

Housing starts forecast to

remain stable in 2014 Canada Mortgage and Housing Corp. (CMHC)

184,700 2014 housing starts are expected to range from 163,700 to 205,700 units, with a point forecast of 184,700 units.

$385,200 The average MLS price is expected to rise to $385,200 in 2014.

expects total housing starts to be stable in 2014, as fundamentals such as employment growth and migration continue to support the Canadian housing market, according to CMHC’s fourth quarter 2013 Housing Market Outlook, Canada Edition.

“In the new-home market, builders are nevertheless expected to limit the number of housing starts while inventories of unabsorbed units, completed and under construction, are drawn down,” says Mathieu Laberge, deputy chief economist for CMHC. “In the resale market, homebuyers have been motivated to advance their purchases and lock-in pre-qualified mortgages given the recent moderate increase in mortgage rates.

It is expected that existing home sales will increase modestly in 2014 with improving economic conditions.”

On an annual basis, housing starts are expected to range between 179,300 to 190,600 units in 2013, with a point forecast of 185,000 units, down from 214,827 units in 2012. In 2014, housing starts are expected to range from 163,700 to 205,700 units, with a point forecast of 184,700 units.

Multiple Listing Service (MLS) sales are expected to range between 439,400 to 474,000 units in 2013, with a point forecast of 456,700 units, about equal with the 454,005 in 2012. In 2014, sales are expected to range from 438,300 to 498,100 units, with an increase in the point forecast to 468,200 units.

The average MLS price is forecast to be between $372,300 and $383,700 in 2013, and between $374,100 and $396,300 in 2014. CMHC’s point forecast for the average MLS price calls for a four-per-cent gain to $378,000 in 2013 and a further 1.9-per-cent gain to $385,200 in 2014.

As Canada’s national housing agency, CMHC draws on more than 65 years of experience to help Canadians access a variety of quality, environmentally sustainable and affordable housing solutions. CMHC also provides reliable, impartial and up-to-date housing market reports, analysis and knowledge to support and assist consumers and the housing industry in making informed decisions.

016 new Condo Guide november 16 - 30, 2013

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*Prices, specifications and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. E.&O.E. October 2013. 22515

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NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 017

018 NEW CONDO GUIDE NOVEMBER 16 - 30, 2013

Condominiums at the corner of Yonge & Eglinton Direct access to the subway Starting from the $300’s Presentation Office located at 2300 Yonge Street, Lobby

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Exclusive Listing: Baker Real Estate Incorporated, Brokerage. Brokers Protected.

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

019

cover story

Smart House

where “small” really sings When Rony Hirsch of Malibu and David Wex of Urban Capital secured a spectacular lot at the corner

of Queen Street West and University Avenue (the Walk and Transit Scores are both stellar – 100 each!) one thing was crystal clear – the top-notch location demanded something special. This meant out-of-thebox thinking. By “special” they meant affordable.

Affordability at a location like this meant rethinking the definition of “condominium.” The result is Smart House – Canada’s first micro-condo. Tokyo ingenuity, New York savvy and European elegance have found a home in the heart of Canada’s biggest city, offering two floors of retail, two floors of office space, and 21 floors of residences designed precisely for urbanites.

“Innovation is something I take very, very seriously,” Wex affirms. “Smart House is the culmination of a lot of smart thinking about space. For the past 15 to 20

years, condominiums in Toronto have become smaller but the basic elements like kitchens and bathroom haven’t changed, so they have started to take up valuable living space. At Smart House we’ve designed everything right-sized – kitchen, bathroom, storage, what do you actually need? It might only be 350 sq. ft., but we promise it’s been very well designed so it feels like a lot, lot more.”

“Affordable, efficient and comfortable,” promises Hirsch.

Graham Hill, founder of the design-forward sites TreeHugger and Life Edited, is a huge fan.

Tokyo ingenuity, New York savvy and European elegance have found a home in the heart of Canada’s biggest city, offering two floors of retail, two floors of office space, and 21 floors of residences designed precisely for urbanites 020 new Condo Guide november 16 - 30, 2013

“They started from scratch and really thought about it, with smart layouts and transforming furniture. You’re not sacrificing amenities. What Smart House is doing makes sense financially and environmentally. By making things smaller you have less to cool, heat, light, clean, insure, move. Less, done right, equals more.”

Hill emphasizes the same benefits apply whether you’re downsizing to 300 sq. ft., or from 3,000 to 600. The largest unit at Smart House is 778 sq. ft. That’s three bedrooms and two bathrooms, a 30-second walk to Osgoode Station and five minutes

from the Gardiner. Imagine executive empty nesters with a zest for urban culture who want to share the best of Toronto with the grand kids and then, in a snap, convert the guest beds back into a desk or sofa.

Every Smart House condo offers nine-ft. ceilings with floor-to-ceiling windows. Everyone’s view is uniquely protected by a four storey zoning restriction to the east and west, since this is a Heritage Conservation District.

The red-balconied exterior is a perfect blend of striking and discreet. There are compact, integrated, Energy Star appliances in every unit, and each highly efficient kitchen has retractable, deep countertops. All bedroom closets have single and double hanging space with built-in drawers. In that private downtown club way, everyone can take advantage of chic II BY IV amenities (the show kitchen, bar, gym, ipe wood terrace), with a smart phone app to organize the finer points: sound system, maid service, dog walker, florist and reservation at the cool, new place around the corner.

In the larger units, 18-in. Bloomberg dishwashers and built-in 24-in.

Fulger smooth cooktops are featured, plus a separate stainless steel wall oven.

Most units 606 sq. ft. and up have an in-island microwave – the island custom integrated with a dining table – and all have a stacked Bosch washer and condensing dryer. The 559-sq.-ft. unit has a full-height pantry. The 669-sq.-ft. unit has a separate tub and shower. The 742-sq.-ft. unit has a custom dining banquette and guest bath.

The demographers were right about shrinking households but they got one thing wrong – cocooning is not the modern be all and end all. For many, the 24-hour city is ideally at their doorstep. Making your way past the Smart House executive concierge desk for the quick stroll to the opera house or Bay Street is as good as downtown gets. At Smart House they thought big about small, because small is the next big thing. Studio, one bedroom, two or three, at Smart House, small really sings.

Occupancy is slated for March 2017 with prices from the mid-$200’s to the mid-$500’s. For more information and to register, visit SmartHouseToronto.com.

021

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Prices, sizes and specifications subject to change without notice. E. & O.E. Illustration is artist’s impression.

Presentation Centre is open Monday to Wednesday from 12pm to 7pm, Saturday and Sunday from 11am to 6 pm and closed Thursday and Friday.

Uncommon Privileges Relive an era of prestige and privilege, delivered with style and panache.

Welcome to The Britt Condominiums, where British elegance meets exclusive 5-star service. As a resident you are entitled to a host of uncommon privileges, from exquisite spa and wellness programs to executive butler services. Located at the corner of Bay and Wellesley, steps to the energy and convenience of downtown living.

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investor advice

// by andrew la fleur

Why pre-construction condo investing

is the best way to invest in real estate

buy 100 per cent of an appreciating asset, and you get to hold that asset for three to four years without making any payments on it. Over the last decade in Toronto, thousands of investors have seen incredible returns by simply buying, waiting, then selling on completion.

2. Access to triple-A locations Andrew la Fleur is an award-winning realtor with Re/Max. Andrew’s expertise is in helping investors make money in the Toronto Condo Market. Visit TrueCondos.com/NewCondoGuide for a free gift. Contact Andrew at 416.371.2333 or andrew@truecondos.com

T

here are many different ways you can invest and make money in real estate. Most types of real estate investing are very hands-on and require a lot of time and effort. Investing in pre-construction condos on the other hand, can be highly lucrative with minimal effort. Here are four reasons why I believe that preconstruction condo investing is the best way to invest and make money in real estate.

1. Leverage

The number one reason so many real estate investors look to the pre-construction condo market is the ability to leverage their money over time. With just 15 to 20 per cent of your own money, you can 024 new Condo Guide november 16 - 30, 2013

Condo investing allows ordinary investors to get a piece of real estate in otherwise unattainable locations.

Owning real estate on Yonge Street, King Street or on the waterfront is made possible for average investors only through the power of condo investing. And with many developers offering flexible deposit structures, you can own in these prime locations for a fraction of what it would cost to buy a commercial property, a house, or a small apartment complex in the same locations.

3. Low maintenance

New condos are perfect for the busy professional or self-employed business person because you can own multiple units with little to no month-to-month property management. Many of my clients tell me that they are so busy with their full-time jobs, they don’t have time to start a part-time business as a landlord. Compared to buying a house or a commercial property, new condos offer the lowest maintenance with the highest rentability, which means there’s nothing to fix or maintain and your unit will rent out very quickly, saving you time for what really matters in your life.

4. Rental demand

Since the end of the highrise apartment construction boom of the 1960s, there have been almost no purpose built rental buildings in the city of Toronto. Yet our city keeps on growing by tens of thousands every year. The need for new rental units is now filled almost entirely by new condominiums, and tenants always want to live in the latest and greatest buildings. Buying pre-construction guarantees that you will own the newest apartment on the block when the building is complete and condo investors know that renting out a unit in a brand new building in 2013 has been a very lucrative experience.

The latest numbers from the Toronto Real Estate Board show that condo rentals are up 25 per cent compared to last year, and prices are rising at around three to four per cent a year.

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NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 025

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026 NEW CONDO GUIDE NOVEMBER 16 - 30, 2013

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Exclusive Listing: CityLife Realty Ltd. 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 BLBrokerage.

O R ST WCorporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited. graphics are the copyright of the owners,OThe Daniels 027

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taxing issues

// By henry choo chong

stress, and money Q

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.

I am a single male in my early 30s. My income is fixed with very little savings and I’m still afraid of an economic downturn. Should I have a more optimistic approach?

Dale, Toronto

Stress is not managed like a car hitting a large rock, but more like water that flows around it.

There could be something to this Yoga stuff.

A

1. Sit back and take inventory 2. Create a budget or review your monthly cash flow 3. Be objective and cut unnecessary expenses 4. Have an emergency fund, savings account or start a Tax Free Savings Account 5. Reduce your use of credit 6. Apply for a line of credit for use only on rainy days. Banks will loan money when times are good, but not when they are deteriorating 7. Have sincere interest in your job

The media often does a great job reporting bad news because it is what many tune in for. What’s more interesting? “100 families lose jobs and homes, must live in homeless shelters” or “Mom buys new minivan to drive kids to dance class”?

I am in the corner of “the glass is half-full” on this one. However, optimism is not a bubble that is oblivious to world economic issues.

This might be a good opportunity to take a closer look at your work ethic, organize priorities and formulate a contingency plan.

Individuals cannot eliminate the anxiety of losing a job, or how to pay next month’s mortgage, but they can take steps to manage the stress.

Individuals cannot eliminate the anxiety of losing a job, or how to pay next month’s mortgage, but they can take steps to manage the stress 028 new Condo Guide november 16 - 30, 2013

Here are 7 tips to help ease the stress:

Inaction is simply not an option.

Take control of your current situation, and your future.

in the news

TORONTO CONDO MARKET STABILIZING

New-home market shows gradual improvement A total of 3,049 new condominium

apartments were sold in Q3-2013, down eight per cent from last year, according to Urbanation Inc., a leading source of information and analysis on the Toronto condominium market since 1981, which released its Q3-2013 market results recently. This is the smallest annual decline recorded in more than a year.

Given the current sales trend and the expected number of launches for the fourth quarter, new condominium apartment sales will likely total approximately 13,000 units in 2013. This compares to 17,997 sales recorded in 2012 and 28,190 sales in 2011. Averaging out the past three years brings sales levels back in line with the historical trend.

“The softer numbers this year should be viewed in the context of the exceptional strength that preceded them.

While the recovery towards more normal volumes has been gradual, the industry continues to make the necessary adjustments required to maintain stability in the market, such as reducing inventory build-up, taking a careful approach to new openings and offering more competitive prices.”

“The softer numbers this year should be viewed in the context of the exceptional strength that preceded them. While the recovery towards more normal volumes has been gradual, the industry continues to make the necessary adjustments required 030 new Condo Guide november 16 - 30, 2013

to maintain stability in the market, such as reducing inventory build-up, taking a careful approach to new openings and offering more competitive prices,” says Shaun Hildebrand, Urbanation’s senior vice-president.

Outside of the recessionary period in 2009, Q3 saw the lowest number of project openings for a third quarter in 10 years (11 projects totaling 2,557 units), which helped to bring down unsold inventory for the first time in a year to 18,814 units. The downtown Toronto submarkets in particular remained highly sold, with 85 per cent of units in active development pre-purchased. Activity in the downtown area has been rebounding, with sales up 22 per cent annually during the third quarter.

The average sold index price grew by two per cent annually to $540 per sq. ft., consistent with the pace of growth recorded during the first half of the year.

The average unsold index price declined by 1.5 per cent from last year to an average of $565 per sq. ft.

“The strength in demand seen in downtown developments and the broader resale market can be taken as a leading indicator for the rest of the new condo market, which will be helped by increased incentives and price discounts at existing sites,” Hildebrand adds.

Resale condominium apartment sales totalled 4,207 units in Q3-2013, up 23 per cent from Q3-2012 — the first quarter that followed the introduction of tighter guidelines for mortgage insurance. Average resale index prices increased by 1.5 per cent annually to $413 per sq. ft., or $366,000 for the average-sized 887-sq.-ft. unit traded during the quarter. The salesto-listings ratio increased to 42 per cent from 38 per cent a year ago, despite 16,000 units registered over the past year.

3,049 The number of new condo apartments sold in Q3.

13,000 The expected number of new condominium apartment sales in 2013, down from 17,997 sales recorded in 2012, and 28,190 sales in 2011.

$540 The average price per sq. ft. of units sold – up 2% annually.

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condo sense

// by don kearney

Trendspotting: The Rise of Three-Bedroom Condominiums

Don Kearney is manager of customer communications and social media at Menkes Developments Ltd. Follow Menkes on Facebook at facebook.com/MenkesLife, and on Twitter at twitter.com/MenkesLife

A

s the largest new condominium market in North America, Toronto offers housing consumers a diverse range of high-quality condominium product. Buyers here have a full spectrum of designs to choose from, ranging from boutique midrises to soaring towers, affordable units for firsttime buyers to luxury suites, downtown locations and suburban nodes, and traditional buildings

032 new Condo Guide november 16 - 30, 2013

and exciting mixed-use developments that combine condominium living with commercial, retail or hotel components.

One growing segment of the market that has received a lot of attention lately is three-bedroom condominium product. According to Realnet Canada, as of the end of July 2013, three-bedroom units accounted for three per cent of the total number of units in new condominium projects launched so far this year. This is a relatively small share of the overall marketplace, but it does represent a noticeable increase from previous years. In 2012, three-bedrooms captured just a 1.9-per-cent share of new condominium unit-launch inventory, and in 2011 this figure was even lower, at 1.3 per cent.

The rising trend of three-bedroom condominiums is driven by a number of factors. The primary factor has been municipal policies, particularly in the downtown area of the City of Toronto, that have strongly encouraged or required developers to offer three-bedroom product as an option to buyers. This is evident in several of our projects such as Noir, 87 Peter, Harbour Plaza, 365 Church and Fabrik.

There has recently been much debate about the idea of family living in downtown Toronto condominiums and how feasible it is. However, given the number of green spaces, events, festivals and family-friendly eateries, downtown living can be a great living opportunity for families of all sizes.

Another benefit of building larger units that aren’t necessarily purchased by families is that three-bedroom suites represent a new and flexible design.

A three-bedroom unit has tremendous appeal to many buyers. After all, who can resist the offer of another bedroom or flex space? In the marketplace, we are seeing a growing number of buyers embrace threebedroom designs for a variety of reasons. The most common perception is three-bedrooms are being purchased by families with children. And this is definitely happening, but interestingly, it is not just young families with small children such as babies or young children, but actually families with older children, like teenagers and adult children.

Another component of the market looking for three-bedroom suites is people who do not necessarily use the third bedroom as a permanent bedroom space. These are buyers who just want the extra space, an extra room and the flexibility that offers, whether it’s used as a guest room, a home office, a den, a media room or craft room.

In addition, many developers are offering three-bedroom unit layouts with optional two-bedroom or two-bedroom-plus-den layout alternatives to cater buyers. The key is flexibility and versatility.

The three-bedroom trend in condos is on the rise, and whether it’s for a growing family or for your own space needs, builders are responding to meet the demands of the consumer.

Your life storey starts here.

Coming This Fall York & Harbour Toronto Register now at menkes.com

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Avenue & Davenport Toronto Starting from $381,990 416.323.0100

Evans & QEW, Etobicoke Starting from $225,990 onesherway.com 416.695.3535

Under Construction Yonge & Park Home Ave. North York Starting from $384,990 416.730.9722

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Prices and specifications are subject to change. E.&O.E.

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hot dates

november 2013

Calendar of events taking place from November 16 – 30

highlights

Until Nov 7

Gourmet Food & Wine Expo

Until Nov. 17

Nov. 17

Gourmet Food & Wine Expo

Santa Claus Parade

Metro Toronto Convention Centre North Building, 255 Front St. W. Expand your palette at The Gourmet Food & Wine Expo – an unparalleled opportunity to sample more than 1,500 fine wines, beers and spirits from around the globe, paired with gourmet cuisine, style and sophistication. This year’s show features a cheese stage, celebrity chef spotlight, tutored tastings, entertainment ideas and trends, and so much more. Visit the website for additional information and to purchase tickets. foodandwineexpo.ca

Departing from Christie Pits Park Santa Claus is coming to town! Now in its 109th year, the Santa Claus Parade returns to Toronto with more than 25 different themed floats, 22 bands, 100 celebrity clowns, over 1,500 volunteers, and the jolly old elf himself, Santa. This year’s parade starts at Christie Pits Park at 12:30 p.m., travelling past the ROM and the Eaton Centre, and ending at St. Lawrence Market. Bundle up, grab a hot cocoa, and arrive early to get a good spot along the route. thesantaclausparade.ca

Nov 17

Santa Claus Parade

Nov 28 – Dec 8

One Of A Kind Craft Show And Sale

Nov 30

Cavalcade of Lights

Nov. 28 – Dec. 8

Nov. 30

One Of A Kind Christmas Show And Sale

Cavalcade of Lights

Direct Energy Centre Exhibition Place Heralding the approach of the holiday season, this popular craft show and sale is your one-stop shop for all your gifting needs – whether buying for someone deserving or treating yourself. Browse hand-crafted art, jewelry, fashion, accessories, housewares and one-of-a-kind treasures by more than 800 artisans and designers. Visit online for tickets and details. oneofakindshow.com

Nathan Phillips Square Saturday, Nov. 30 will mark the official start to the holiday season in Toronto with the Cavalcade of Lights celebration presented by Great Gulf. Now in its 47th year, this annual event includes the lighting of the holiday tree, performances by some of Canada’s top musical talent, a brilliant fireworks show and a skating party at Nathan Phillips Square.

This family-friendly event is free. Visit the website for more information. toronto.ca/cavalcade 033

034

035

in the news

Report shows new-home buyers

paying thousands extra due to delays Real estate purchasers in Ontario are paying

thousands of dollars in costs tacked onto the price of newly built homes and condos as a result of costly delays in the site-plan approval process, according to a recent report.

Earlier this month, the Ontario Association of Architects (OAA) released the first report to quantify the cost of the site-plan approval process in Ontario.

The financial impact of delays in the process is widespread across the local economy, delaying jobs, affecting new-home buyers waiting to move into homes, commercial tenants waiting to evolve their businesses, developers sitting on undeveloped land, and municipalities unable to collect property taxes.

“This report clearly shows that the site-plan approval process is inefficient and costly. These costs are passed along to all Ontarians so public awareness is important,” says Bill Birdsell, president of the OAA. Currently no template exists to encourage a timely, consistent and objective process. Each municipality is left to interpret the framework on its own, causing huge inconsistency of application across the province, which results in extensive delays and costs.

The process is designed to examine the technical aspects of building access, layout, parking and landscaping to ensure that the development will be safe, efficient and aesthetically pleasing.

“The intent of the site-plan approval process is to be a technical review only, but it has become a design review. This takes way too long and isn’t the point of the process. It adds to the inefficiencies and costs outlined in the report. Moreover, the question remains, are we getting better buildings as a result of the process?” says Gary Switzer, the Building Industry and Land Development Association (BILD) Toronto co-chair and CEO of MOD Developments Inc. Points of weakness in the process identified by the report were a lack of municipal expertise, objectivity and co-ordination between municipal departments, and unnecessary submission requirements. The report 036 new Condo Guide november 16 - 30, 2013

shows that the costs of these inefficiencies are often passed along to end-users.

Among the troubling findings, each month of delay costs new-home buyers an average of $2,375 for a 100unit condominium building, including lost equity by not starting a mortgage sooner and additional rent costs.

Over the typical six to 12 months of delays, these costs can add up to between $14,250 and $28,500.

Also included in the $2,375 monthly cost borne by homebuyers are higher home prices caused by the excessive costs that residential developers incur through delays, including additional taxes, financing, inflation on construction costs and materials. For a 100-unit condominium building, residential developers lose, on average, $193,000 per month, adding between $1 million and nearly $2.5 million over the course of the process. That’s in addition to the initial costs of application, which can be tens of thousands of dollars.

Applicants in Ontario are generally told to expect to wait three months, but this is rarely the case. Over 35 per cent of applications take longer than nine months, based on a sample of 477 applications analyzed in the report.

The OAA and other industry partners, including BILD, are calling on the province to step in and provide clear direction and guidelines to allow for consistent application of the process across the province.

“We are organizing a meeting with The Ministry of Municipal Affairs and Housing and we are asking the Ministry and other stakeholders if these costs outweigh the benefits,” says Birdsell.

So how do you prevent an Ontario-wide money pit?

“One potential solution recommended in the report is a team approach, where a number of departments gather together to review an application at the same time,” says Switzer. “As it stands right now, the Planning Department has the role of quarterbacking the process, but they are severely understaffed, and this team approach is not happening. Streamlining the process would shorten the time lines.”

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NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 037

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90niagara.com Prices and specifications are subject to change without notice. E. & O. E. Rendering is artist’s concept only.

NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 039

hot topic

Insurance is great,

but prevention is better to a number of bad things that could happen to you or your home. Yes, if you have a fire or a theft, insurance will help you pick up the pieces. But most people who have lost their homes in a fire – even those with great insurance coverage – will tell you that they would prefer if it had never happened in the first place.

Insurance gives you financial peace of mind. If you have the right coverage, no theft, fire or accident can leave you broke. However, there are certain things that insurance cannot fix.

If your wedding ring or a priceless family heirloom is stolen or damaged during a break-in, insurance may cover the actual market value of the item, but the sentimental value cannot be replaced. If you suffer a fire and all your family photos are destroyed, you will feel a tremendous loss, even though the photos have no monetary value.

Think of insurance as the cure (sort of)

Insurance gives you financial peace of mind. If you have the right coverage, no theft, fire or accident can leave you broke.

However, there are certain things that insurance cannot fix.

Insurers are in the business of compensating people when they suffer losses. Being so close to so many human tragedies, insurers are passionately committed to loss prevention. They know that it is better to avoid suffering than to try to make up for it.

If your home is uninhabitable for a period of time, you may need to move to a hotel or even a new, likely furnished, apartment. Some home insurance policies will cover additional living expenses you incur during this time, such as meals (if you are in a hotel) and room charges. Be sure to ask your insurance representative if you have this type of coverage, so that if disaster strikes you can focus on putting your life 040 new Condo Guide november 16 - 30, 2013

back together without worrying about the added costs.

For more information, talk to your insurance representative about your home insurance needs.

Courtesy of the Insurance Bureau of Canada (IBC). IBC offers information for consumers to help make them aware of their insurance needs and assist them in understanding the types of insurance available. They are the national industry association representing Canada’s private home, car and business insurers.

Its member companies represent 90 per cent of the property and casualty (P&C) insurance market in Canada. For more valuable information from IBC, please visit ibc.ca.

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041

marketplace

Pretty

plumes! // by sara duck

1

3

4

2

5

6

1. Plume Pillow with Feather-Down Insert. $35. Visit cb2.com 2. Quill Wall DĂŠcor. $10 for set of nine. Visit umbra.com 3. Art Deco Lowball Glasses. $34 for set of four. Visit chapters.indigo.ca 4. Feather Headdress in Turquoise. $525. Visit jonathanadler.com 5. Laura Zindel Slide Box. $39. Visit westelm.com 6. Peacock Light Rug by Matthew Williamson. Price Upon Request. Visit therugcompany.com

042 new Condo Guide november 16 - 30, 2013

EVERY THING YOU LONG FOR

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MINTOLONGBRANCH.COM *Prices and specifications are subject to change without notice.

Renderings are artist’s concept. E.&O.E.

mortgage finesse

// by Calum Ross

The importance of your credit rating

Calum Ross is senior vice-president and practicing mortgage agent with The Mortgage Centre. He has appeared on Canada AM, Investment Television, BNN and Citytv. He holds an MBA in finance and is an accredited mortgage professional. He can be reached at 416.410.9905.

P

eople seem to be c­ ontinually confused by their credit report (also known as their “credit rating”), and how it affects their ability to get ­credit. This document alone can impact your ability to work at ­certain companies, get a credit card, obtain a mortgage and even open a savings account.

This detailed collection of your entire history of borrowing habits is being used by more and more

You should check your credit report at least once every two years to make sure that everything on it is accurate 044 new Condo Guide november 16 - 30, 2013

institutions all the time. Like it or not, many places consider this type of reporting a very good indicator of your character. The report contains details on your payment history, your previous loans, any liens against your property, where you’ve lived and worked, whether you have been sued, and whether you have declared bankruptcy in the last seven years.

What many people do not know is that you have a legal right to be able to gain access to this information, not just to see where you stand, but also to correct any erroneous reporting that may have ­occurred. Unfortunately many people have a tendency to discover outstanding issues on their credit report when it is too late (like a couple of weeks before closing a home purchase).

You should check your credit report at least once every two years to make sure that everything on it is accurate. I don’t ­suggest checking much more often than that, or creditors may wonder what you have to worry about.

In Canada, the two main credit reporting agencies are Equifax and Trans Union. Both of these agencies have a mechanism in place for consumers to access their own reports.

It is not unheard of for these two reporting agencies to have different information on you. It is also not unheard of for people to be flagged with credit accounts that they never had. If the credit report you obtain and your financial information are not the same, then the onus is on you to have this corrected. It is critical that any correspondence that you have between the credit reporting agency and yourself is always documented. Always get everything in writing and keep it for your personal records. Unless you have it in writing from the creditor with an issue, consider it uwnresolved.

Many people are surprised at just how much ­information is collected.

Remember when you didn’t pay that dentist who took you to small claims court? How about that last hydro bill you skipped out on after your fourth year of university? Even if you don’t remember these items, your credit records will help everyone else remember. If you have liens against your name, then most lenders will not extend any credit to you. The lawyer’s office you use will also do a name check before registering property in your name. This then enables them to dig up further dirt.

Don’t find yourself in a last-minute panic because you suddenly discovered that Mr. Jones’ unpaid Visa account has you listed as the guarantor. Take the responsibility for your credit, and monitor your credit as you would your health. Check ups are always a good idea.

On a positive note, bad credit is not something you can’t overcome. With time and re-established credit, that unpaid bill that went to collections may not be forgotten, but can, for the most part, be ­forgiven. Remember that your credit rating is only one piece of the puzzle in the lending decision.

At the same time, it is too important a piece to ignore. Until next time, best of luck in finding your mortgage and home.

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NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 045

CHINESE HOME & CONDO GUIDE 網上 參閱

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.

各式電子工具都可瀏覧

ChineseHomeGuide.com

/ Oct 12 - Nov 23, 2013 十月十二日至十一月二十三日

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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.

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GTA Chinse Front Cover_10121

newhomeguide.ca 046 NEW CONDO GUIDE NOVEMBER 16 - 30, 2013

NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 047

legally speaking

What the heck is

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.

T

itle insurance is supposed to provide comprehensive insurance coverage for titlerelated risks associated with buying a home – risks such as zoning issues, claims of mental incapacity, lack of up-to-date survey and the legal services provided by your lawyer (like title certification). It insures the homebuyer against such defects in title, which may occur from conflicting ownership claims, liens, un-discharged mortgages, consents and the like. It will cover

// by jayson Schwarz

title insurance? compliance and access issues, such as work orders, permit violations, fences, boundaries, tenancies, rights of way, certain easements, etc. It is supposed to be in force so long as the purchaser or his/her heirs own the property. Title insurance will outlive the certification of your lawyer, whose insurance stops if he or she dies, or stops practicing law.

Okay, what if something is wrong and a prospective purchaser will not accept a new title insurance policy at no cost? The insurer will pay out in accordance with the policy, or will, if possible, repair the defect. Title insurance protects form vendors that won’t re-adjust. In addition, lawyers’ insurance is time-of-incidence related, which means in simple English, that if your lawyer is dead, retired or stops practice and you make a claim after that, you are not covered.

Title insurance saves you money. Disbursements, money paid to third parties for stuff like building compliance letters, subdivision compliance letters, deed registration, etc., are lower. We estimate $200 to $300 on a deal after the cost of the policy.

Just so everyone understands, almost all of Ontario is now on an electronic registry system. Title insurance has become the norm and many of the transactions are done by computer-to-computer communication.

Make sure the lawyer you select has taken the title insurance courses, has gone to the seminars on Terranet, the electronic registry system and can properly advise you. The Law Society passed a rule that every lawyer on a residential real-estate deal must advise the client of title insurance, the different companies offering it, and how it works. Remember, a lawyer survives by repeat business and referrals, and a lawyer’s mandate from the Law Society is that the client’s best interests must come first.

We have all read and heard about mortgage and title fraud, where bad guys put fake mortgages on property or sell houses they do not own. Title insurance indemnifies you against these occurrences.

To summarize, title insurance does four things better than lawyers’ insurance through Law Pro (the Law Society’s insurance arm): 1 Gives better coverage as to the quality of your ownership

than a lawyer’s insurance.

2 Lasts forever when a lawyer’s insurance doesn’t.

3 Saves $300 to $400 in disbursements.

4 Protects against mortgage and title fraud.

In conclusion, every lawyer has an obligation to make you aware of your title insurance options so you can choose which way you want to go.

Think through your options carefully and choose wisely.

048 new Condo Guide november 16 - 30, 2013

PHASE 2

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WorldOnYonge.ca 905-771-7010 RICHMOND HILL

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TerraceOnDanforth.ca 416-987-7575

MOVE IN 2013!

YONGE ST.

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 artist’s concept. Prices, specifications and availability subject to change without notice. E&O.E. Brokers protected. See Sales Representative for details.

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RESIDENTIAL | RETAIL | OFFICE CENTROSQUARE.CA | 905-851-8877 *Purchaser’s Deposit Bond. Restrictions apply. See Sales Representative for details.

All illustrations are artist’s concept only. ©2013 Liberty Development Corporation. All rights reserved. Brokers Protected.

NOW SELLING THE FINAL CHAPTER OF AN EPIC STORY

ICONIC ARCHITECTURE • FABULOUS PARK VIEWS • AT-YOUR-DOOR TRANSIT Legacy Park is the final phase of a master-planned community that has been 10 years in the making. Including a beautiful landscaped Roof Top Terrace overlooking a scenic 5-acre park and an array of suite designs that offer a brilliant fusion of style and substance, this is the grand finale you do not want to miss.

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See Sales Representative for details. All prices, figures, sizes, specifications and information are subject to change without notice.

E.& O.E. All illustrations are artist’s concept only. ©2013 Liberty Developemnt Corporation. All rights reserved.

BATHURST & CENTRE STREET

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NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 049

condo profile

LIBERTY DEVELOPMENT CORP. offers premium space “commercial condos” Retailers and businesses can own commercial condos in Vaughan’s newest mixed-use community: Centro Square

d

espite being recognized for building great places to live, Liberty’s communities are also seen as great places to work and play. As award-winning mixed-use developers, Liberty has a reputation for building premium retail and office condominiums.

A large part of Liberty’s successful approach to mixeduse development is offering businesses the opportunity to own a retail or office location, clearly demonstrating to today’s real estate market that condominium ownership needn’t be limited only to residential spaces.

050 new Condo Guide november 16 - 30, 2013

Liberty’s latest commercial condo opportunity – more than 250,000 sq. ft. of office and retail space at Centro Square – has recently been introduced to the market with great success.

“We wanted to give everyone the option to buy into this great community,” says Shawn Richardson, Liberty’s sales and marketing manager. “Commercial retailers and business owners, just like homeowners, see the value of ownership, and the value of locating at Centro Square.”

Poised to become one of Vaughan’s most popular destination developments, Centro Square is ideally situated in the heart of Vaughan, at the corner of Hwy. 7 and Weston Road.

“With the ongoing improvements to public transit infrastructure in Vaughan and the focused, dedicated transit lanes being added to Hwy. 7, this artery is fast becoming Toronto’s new ‘Yonge Street’,” says Marco Filice, senior vice-president and general counsel at Liberty.

Purchasers of the commercial condos in this Hwy. 7-based development will be a part of the incredibly dynamic Centro Square Community, which boasts approximately 800 condominiums and a commercial/retail corridor providing unequalled access to the multitude of stores and offices.

Access to the Shops and Offices at Centro Square is unbeatable.

Expansions to public transit, including the addition of both subway and bus rapid transit service along Hwy. 7, will make Vaughan one of the most wellconnected regions just outside of Toronto. Visitors opting to arrive by car will be thrilled with

the ongoing roadway improvements to Hwy. 7, making the drive to Centro Square a breeze.

Designed by the award-winning teams at Kirkor Architects and Hefele Makowka Design Associates, the mixed-use Centro Square development will consist of two residential towers joined by a two-level podium, approximately 120,000 sq. ft. of retail space and approximately 150,000 sq. ft. of office space.

Providing a premier retail opportunity in Vaughan, the Shops at Centro Square will be spread out over two floors in the eye-catching podium, boasting beautiful street promenades and a landscaped public plaza at the intersection, highly visible signage for stores of all shapes and sizes, as well as retail buildings that offer the latest technologies, including a spectacular green roof. The Shops will offer an exciting retail experience that will attract visitors to come and explore this unique shopping destination.

The Offices at Centro Square will be located in a 10-storey purposebuilt office building, complete with cutting-edge executive spaces in a variety of floorplans to suit the needs and budgets of all businesses.

Spacious work areas come equipped with state-of-the-art facilities, welcome lobby for visitors and underground parking.

Don’t miss out on this amazing opportunity to be a part of this exciting new urban community. For more information on The Shops at Centro Square and The Offices at Centro Square, email info@LoveWhereYouShop.ca, call 647.317.3993 or go to LoveWhereYouShop.ca. november 16 - 30, 2013 new Condo Guide 051

fitness gallery

Crash course on

// by mark j. stables

fitness facility etiquette

I

t’s easy to see the ways that exercise improves our health – it lowers blood pressure, reduces stress, boosts your energy and builds a stronger immune system. But the flip side of that coin are the germs and illnesses lurking in your condo’s gym.

Your favourite place to break a sweat can also be a breeding ground for fungal, viral and bacterial infections. Here are a few tips to make sure your efforts to get healthy don’t get sidelined by germs.

Mark J. Stables is founder of Benchmark Group and Movement Haus. He is a renowned fitness and wellness expert with over 15 years experience in the industry. Working with hundreds of urban condominium dwellers, Mark has experience and insight into the design of condo fitness amenities and the way people use them. As the landscape of fitness continues to evolve, this in-depth knowledge of health and fitness, coupled with his passion for architecture and design, yields an optimal exercise environment for today’s urban athlete.

Visit online at movementhaus.com, benchmarkgroup.ca or call 416.428.3536.

›› Don’t touch your face. Your eyes, ears and nose are vulnerable spots for infections, so during your workouts, keep your hands away from your face. If you feel a tickle in your nose or have an itch that needs to be scratched, use the back of your hand, which is likely to have come in contact with less germy surfaces. ›› Wipe down all equipment both pre- and post-use. Most people will wipe down their equipment after they use it (we all know it’s not cool to leave a sweat puddle for the next guy), but not everyone is so courteous. Hedge your bets and make sure you wipe down before and after you use a machine. Most gyms supply disinfecting spray and paper towels, but if yours doesn’t, consider tossing a package of wipes in your gym bag. ›› Lay out your towel. For yoga, Pilates, and other classes that require mats, place your towel on top of the mat before you lie down. Then make sure to use a different towel later on to wipe your face, otherwise you’ll just be spreading those dirty mat germs all over your mug.

Your favourite place to break a sweat can also be a breeding ground for fungal, viral and bacterial infections. Here are a few tips to make sure your efforts to get healthy don’t get sidelined by germs. ›› Cover up cuts. If you’ve got any cuts, scrapes or broken skin, cover it up with a bandage. Open wounds are far more susceptible to infection. ›› No shoes, no service. Want to avoid athlete’s foot and whatever other nasty things are lurking in the change room? Then make it a habit to wear a pair of flip flops and dry your feet (including the skin between your toes) after showering.

Remember – your mother doesn’t live here, so clean up after yourself to ensure your condo’s beautiful and well-used gym facilities stay that way.

052 new Condo Guide november 16 - 30, 2013

COMING SOON

Where luxury takes wing.

Come see the city’s most sophisticated new residence. With oversized terraces, modern design and an unbeatable midtown St Clair West address, The Nest, Residences of Hillcrest Village is the perfect place to land. Define your way to live surrounded by all the conveniences at your door step including transit.

FROM THE MID $200’S. REGISTER TODAY.

TheNestCondos.com 416.223.0003 facebook.com/thenestcondos twitter.com/thenestcondos

Life. Lived better.

BROKERS PROTECTED. Rendering is an artist’s impression.

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

NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 053

Hot Topic

Home insurance 101 What you need to know about insuring your new home

For more comprehensive building coverage, homeowners can opt for “all risk” coverage, which insures your building for everything unless it is specifically excluded from your policy. Given that your home is often your most valuable investment, most homeowners opt for all risk coverage.

Q

We all know we should insure our homes, but when

it comes to choosing the right policy, many of us don’t know what is – or isn’t – covered. Answering some of the most common questions, Henry Blumenthal, vice-president and chief underwriter for TD Insurance, offers his expert insight.

Q

What does a typical home insurance policy cover? A standard home insurance policy will ensure that if something such as fire, vandalism or theft occurs, your property will be looked after and your valuables replaced. This type of policy is called “named perils” since it provides protection based on a list of the most common risks.

Q

When do you need additional insurance?

A standard home insurance policy has limitations in theft coverage for items, such as jewelry and furs, bicycles, cash, boats and motors. If you have any of these special items, it’s a good idea to consider adding additional coverage to your policy. If you’re unsure, call your insurance provider to confirm that your valuables are covered.

054 new Condo Guide november 16 - 30, 2013

Are there any special considerations I should keep in mind when choosing a policy? Depending on where you live, you may want to purchase additional coverage to protect your home from unique circumstances, such as earthquakes or flooding.

For example, TD Insurance offers water damage coverage as an add-on to home insurance. While home insurance does offer some water damage coverage, there are limits to this protection. An insurance expert can help identify what additional coverage will best suit your needs.

It’s important to remember that most standard policies provide for the actual cash value (ACV) replacement of your belongings.

This means you receive the value of the item, minus depreciation. To ensure that the contents of your home are valued at the current cost to replace them, you can choose to add replacement value to your insurance policy.

More information about home insurance can be found online at tdinsurance.com. NC

NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 055

condo pro

// by barbara lawlor

Resort-style living at home

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. Keep current with The Baker Blog at blog.bakerrealestate.com

I

t’s a wonderful thing when coming home feels like a vacation every day. That’s the case with many condominiums today, which offer amenities and services similar to a resort. This lifestyle choice is becoming increasingly popular with people who value their leisure time.

The freedom from worrying about building maintenance, repairs and upkeep is fabulous, and is only the beginning of the resort mood that a modern condominium offers.

For me and so many others, the ambience starts in the lobby, which really does set the tone for the building. Developers put a lot of thought into lobby design to provide a setting that is like a beautiful hotel, with gorgeous décor and the convenience of being able to access concierge service. In addition to the built-in security this service provides, the concierge presents a professional first impression to guests, announces 056 new Condo Guide november 16 - 30, 2013

visitors and offers practical services such as receiving packages and deliveries for residents who are away. Some condominium concierges will even go as far as booking theatre tickets, scheduling dog-walking and the like. A few condominium residences are actually situated on top of a five-star hotel, which is, of course, the ultimate in luxury.

And speaking of luxury, modern condominiums have fabulous amenities like rooftop gardens and garden terraces where residents can barbecue and relax amid lush greenery. These areas also provide striking views, and when the condo is also near the lake, it’s all the more like spending time at the cottage. Waterlovers also appreciate the fact that the swimming pools and whirlpools in today’s condominiums are situated where they can get a lot of natural light for a truly inspiring experience all year long. And when you can count on someone else to keep the water clean and the pools maintained, it’s the best of both worlds.

Recreational amenities and anything that benefits health-conscious residents is in demand, and you will find that the fitness facilities in condominiums are always in use. Convenient and bright, these fitness areas are pleasant to work out in, and having them in the building saves on commercial club fees. Some condos have spas close to pools, change rooms and saunas so residents can indulge in a total spa experience. A few even have a dedicated room specifically for massage therapy, where a therapist can come in and set up a portable table – yet another luxury condo owners can enjoy without leaving home.

The freedom from worrying about building maintenance, repairs and upkeep is fabulous, and is only the beginning of the resort mood that a modern condominium offers Cinema-style screening rooms set the scene for getting together with friends to watch a movie or sporting events without the hassle of driving somewhere, parking and trying to see over the people in the seats in front of you. For gala entertaining, the party room is a great option that eliminates the need for you to clean up a big mess the next morning. The amenities in condominiums really do expand your lifestyle potential far beyond the square footage of the suite. And if you are fortunate enough to live on top of a five-star hotel, you have the ultimate in vacation-style living at your fingertips, with access to things like housekeeping services, valet parking and room service.

Fun, relaxing, invigorating, tranquil, beautiful, bright – today’s condominium amenities are more exciting and varied than ever before. In so many ways, living in a condo is like having a mini-resort or getaway under your own roof. And when you do choose to go away on vacation, that holiday feeling begins the moment you lock the door and leave, knowing your home will be protected and looked after.

LIVE AT STUDIO BE DOWNTOWN SUITES FROM THE

300’S

$

5%

UNDER CONSTRUCTION EARLY 2015 CLOSINGS

UNDER CONSTRUCTION EARLY 2015 CLOSINGS

DOWN PLUS

ONE YEAR FREE

MAINTENANCE FEE OFFER VALID ON ALL REMAINING SUITES.

Nelson St.

University Ave.

Simcoe St.

Duncan St.

Spadina St.

Richmond St.

PRESENTATION CENTRE

Adelaide St.

Presentation Centre: 25 Nelson Street, Toronto Mon. – Thurs.: 1pm – 7pm, Fridays: Closed Sat., Sun. & Holidays: 12pm – 6pm

Brokers Protected, Limited Time offer. See Sales Rep for full details. Prices, Specifications and programs are subject to change without notice. Illustrations are artists concept. E & O.E. *Provided the purchaser completes the transaction on the contemplated unit transfer date the purchaser shall receive a credit on the statement of adjustment in the amount equal to 12 monthly common expense fees relating to the unit and any parking or storage applicable. Deposit 5% down and 10% due on occupancy.

studiocondos.ca • 647.352.7736

CMHC Report

October housing starts 195,338 units in October compared to 191,557 in September, according to Canada Mortgage and Housing Corp.

(CMHC). The trend is a six-month moving average of the monthly seasonally adjusted annual rates (SAAR)1 of housing starts.

“The trend in total housing starts has gained momentum since July, which is in line with expectations that new construction would strengthen over the second half of 2013. Gains since July have been broad-based, reflecting increased activity in large and small urban centres, particularly in Ontario and, to some extent, in British Columbia. Housing starts remain on target with our projected total for 2013, which is expected to range between 179,300 and 190,600 units,” says Mathieu Laberge, deputy chief economist at CMHC. CMHC uses the trend measure as a complement to the monthly SAAR of housing starts to account for considerable swings in monthly estimates and obtain a more complete picture of the state of the housing market. In some situations analyzing only SAAR data can be misleading in some markets, as they are largely driven by the multiples segment of the markets which can be quite volatile from one month to the next.

The standalone monthly SAAR was 198,282 units in October, an increase from 195,929 in September.

The SAAR of urban starts was essentially unchanged at 177,434 units in October. Multiple urban starts registered a slight increase of 0.9 per cent to 115,011 units in October while the single urban starts segment saw a decrease of 1.7 per cent to 62,423 units.

In October, the SAAR of urban starts increased in Ontario while decreasing in British Columbia, Atlantic Canada, the Prairies, and Quebec.

Rural starts2 were estimated at a seasonally adjusted annual rate of 20,848 units.

Housing starts in Canada were trending at

1 All starts figures in this release, other than actual starts and the trend estimate, are seasonally adjusted annual rates (SAAR) — that is, monthly figures adjusted to remove normal seasonal variation and multiplied by 12 to reflect annual levels. By removing seasonal ups and downs, seasonal adjustment allows for a comparison from one season to the next and from one month to the next. Reporting monthly figures at annual rates indicates the annual level of starts that would be obtained if the monthly pace were maintained for 12 months. This facilitates comparison of the current pace of activity to annual forecasts as well as to historical annual levels.

2 CMHC estimates the level of starts in centres with a population of less than 10,000 for each of the three months of the quarter, at the beginning of each quarter. During the last month of the quarter, CMHC conducts the survey in these centres and revises the estimate.

058 new Condo Guide november 16 - 30, 2013

Housing Starts in Canada – All Areas * Thousands

275 250 225 198,282

200 175

195,338

150 October 2011

October 2012

October 2013

Housing starts, SAAR Housing starts trend line (six-month moving average)

Preliminary Housing Start Data October 2013

Sept 2013 Oct 2013

Trend1, all areas

191,557

195,338

SAAR, all areas

195,929

198,282

SAAR, rural areas

18,466

20,848

SAAR, urban centres2 Single-detached

63,497

62,423

Multiples

113,966

115,011

Total

177,463

177,434

Atlantic, urban centres2

9,130

8,410

Quebec, urban centres2

31,694

30,524

Ontario, urban centres2

57,811

68,227

Prairies, urban centres2

49,212

46,355

British Columbia, urban centres2

29,616

23,918

Oct 2012

Oct 2013

Actual, all areas

18,007

17,033

Actual, rural areas

1,895

1,813

October — Single-detached

5,732

5,333

October — Multiples

10,380

9,887

October — Total

16,112

15,220

January to October — Single-detached 56,208

52,389

Canada

Actual, urban centres2

January to October — Multiples

106,391

87,226

January to October — Total

162,599

139,615

Source: CMHC Seasonally adjusted annual rates Urban centres with a population of 10,000 and over Detailed data available upon request 1 2

As Canada’s national housing agency, CMHC draws on more than 65 years of experience to help Canadians access a variety of high-quality, environmentally sustainable and affordable housing solutions. CMHC also provides reliable, impartial and up-to-date housing market reports, analysis and knowledge to support and assist consumers and the housing industry in making informed decisions.

NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 059

condo profile

1 Yorkville

t

he Toronto horizon is about to be home to an awe-inspiring new milestone development. Bazis and Plaza have unveiled breathtaking plans for 1 Yorkville, an elegant and exclusive condominium that is poised to become a paramount address in one of Toronto’s most desired neighbourhoods.

With an enviable “platinum” location at the corner of Yorkville Avenue and Yonge Street, 1 Yorkville’s distinguishing design will set a new standard for lavish living in this tony Toronto district.

“There is simply no other address like this,” says Michael Gold, president of Bazis. “This is a building that will stand out not only because of its stunning architecture and exquisite finishes, but also because of its magnificent amenities and exclusive services. It will be like staying in a six-star hotel at a six-star location.”

The 1 Yorkville residences will be reflective of the building design and will offer a perspective not seen in any other luxury condominium in Toronto 060 new Condo Guide november 16 - 30, 2013

The finest of Toronto will be within walking distance of the front door of 1 Yorkville 1 Yorkville will offer an unquestionably generous array of amenities located on three levels. A Spa Level will pamper the most spoiled resident; a Fitness Level will keep any athletic enthusiast in their best shape; and the Rooftop Entertainment Level will provide its users with a distraction from day-to-day life under the sun or stars.

When you look at the criteria of what makes an outstanding location, 1 Yorkville far exceeds all expectations. The finest of Toronto will be within walking distance of the front door of 1 Yorkville.

Strolling through Hermes, Gucci, Holt Renfrew, dinner at the Four Seasons across the street, a glass of Moet at the Hyatt’s Roof Lounge – whether it’s luxurious shops or a selection of the city’s finest restaurants, the options are endless. And 1 Yorkville is conveniently by the Bloor and Yonge subway lines and PATH. The 1 Yorkville residences will be reflective of the building design and will offer a perspective not seen in any other luxury condominium in Toronto. They will include one-, two- and three-bedroom residences with many custom-designed features.

This irreplaceable building, 1 Yorkville – designed by award-winning architect and creative genius Rosario Varacalli – will feature some of Toronto’s foremost design, a building that demonstrates considerable creativity in how it is connected within the community.

“1 Yorkville will be distinguished from all the other condominium projects in Toronto because of three important factors: preservation, porosity and changing perspectives,” explains Varacalli.

The exceptional structure will be built above the fully restored Yorkville Village buildings that date to the 1860s. This meticulous preservation work — overseen by ERA Architects, Toronto’s premier heritage specialists — will involve the retention of not just the graceful historical façades but the entire original structure of the 19th Century buildings. This is where the condominium’s boutique retail offerings will be housed.

In terms of porosity, 1 Yorkville will be steps away from two subways lines and enjoy nearby access to the PATH system. The development will also include a revitalized and widened 25-ft.-wide pedestrian green walkway that will connect Cumberland Avenue to Yorkville Avenue.

1 Yorkville is also about changing perspectives, with a magnificent tower that’s clad in what Varacalli describes as “3D wallpaper” — a façade that creates dramatic changes in light, shadow and colour based on which direction the building is being viewed from.

“It will always appear as though it’s changing, depending on the time of day, light or direction,” says Varacalli.

This is not the first time Bazis and Plaza have joined forces. Previous partnerships between these stellar developers have resulted in the creation of two of Toronto’s most successful and architecturally inspired residential condominiums: Exhibit on Bloor, an exceptional and striking building located right across from the Royal Ontario Museum, and Emerald Park, two dramatic condominium towers at Yonge and Sheppard that have taken North York design to an entirely new level.

“We’re pleased to be once again partnering with Plaza on the development of this irreplaceable condominium for Toronto,” says Gold. “With the combination of our collective expertise and experience, augmented by Rosario’s unparalleled eye for design, 1 Yorkville will raise the bar for indulgent living in this world-class city.”

For continuous updates about this project and to be among priority purchasers, please register at 1yorkville.ca. november 16 - 30, 2013 new Condo Guide 061

diy

fabulous

feature wall We’ve teamed up with paint and wallpaper experts Farrow & Ball to give you an inspiring do-it-yourself feature wall for your condo! // by sara duck

tip

Painting the remaining walls in the same colour as your feature wallpaper creates a harmonious look.

You can either pick out the colour of the background or the pattern itself.

The image shows the coordinated effect you can achieve.

the steps

01 Measure the height and width of the wall you want to feature.

02 Cut drops of wallpaper to fit leaving one to two cm. on either end.

03 Make sure the pattern matches up.

04 Paste the wallpaper and leave to soak for three to five minutes.

05 Hang the wallpaper and cut off the excess with a sharp blade.

What you will need before you start

Detachable Scissors by Henckels. $23. kitchenstuffplus.com

062 new Condo Guide november 16 - 30, 2013

Condor Wall Coating Brush

by Simms. $6. rona.ca

Clear Wallpaper Adhesive

by Dynamic. $17. rona.ca

IT’S BACK. DON’T MISS OUT.

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THE OWNERSHIP PROGRAM:

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These days, with rent on a 2-bedroom apartment in Toronto reaching $2,000/month and beyond**, saving for a down payment can feel next to impossible. But at The Station, our new deposit structure* makes saving a snap. So not only can you afford to buy your own place, but the place you call home can be at North York’s award winning record-breaking development. Here’s how it works.

LET’S SAY YOU’RE LOOKING AT ONE OF OUR EXCEPTIONAL 2 BED + 2 BATH SUITES. YOU GET:

• • • • • •

A sweet corner unit An enormous 175 s.f. balcony Granite countertops Euro-style appliances A window in the master ensuite A place you won’t grow out of

YOU PUT DOWN

$10,000

THE PRICE IS A COOL $450,000, SO SAY YOU PUT DOWN 10% 10% DOWN = $45,000

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WITH A $10,000 DISCOUNT OFF THE PRICE OF YOUR CONDO.

Just like that, in 13 months, your down payment will be done and you’ll be the proud owner of an amazing new condo with expansive Terrence Lukas-designed interiors, spacious balconies, and amenities like The Studio Club, fitness centre and the city’s first indoor/outdoor heated party rooms.

ONLY $25,000 TO GO.

FOR THE NEXT 13 MONTHS, YOU PAY JUST $962/MONTH TOWARD THE DOWN PAYMENT AND WE’LL MATCH IT WITH AN EQUAL $962 DISCOUNT OFF THE PRICE OF YOUR CONDO.

SAFE – The Station is already under construction.

SMART – Easy subway access and a 20-minute ride to downtown, mean condos at The Station will always be in demand.

GREAT DEAL – With this innovative down payment plan you can finally afford to own your own place.

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NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 063

Single entry lounge pass starting from $33.25 tax inclusive ($24.50 children ages 2 – 11) for 2 hours lounge use. 3 hour and 6 hour lounge use also available** ** Online bookings only; higher rates apply for walk-in lounge use

All amenities are included in the price of entry including bar service after 11:00 a.m. (Toronto, Vancouver) and 10:00 a.m.

(Edmonton)

For online bookings go to www.plaza-network.com/booking/FlightInfo.aspx?ECONREF=W2W2013

NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 065

style file

master bedroom

retreat

// by laura stein // photography by david bagosy A depressing bedroom is, well, depressing. How can

you start off your day feeling good when the first thing you see each morning puts you in a bad mood? After years of neglecting their bedroom, that’s precisely what the owners of this Leaside home began to wonder.

As avid art collectors and frequent travellers, the rest of their home was a beautifully decorated gallery of treasures. Their master bedroom, however, was anything but. They had lived for years with inadequate furniture and no storage. The rug was hopelessly stained and the ceiling had been left unfinished after a repair from water damage. The walls were painted a shade of dark brown which I like to call

066 new Condo Guide november 16 - 30, 2013

“Blah.” The homeowners were at their wits’ end.

Afraid of making a mistake, they turned to Laura Stein Interiors for some help.

Their goal was to create an inviting retreat of understated luxury, complete with a comfortable sitting area to relax and watch TV, a light-filled sleeping area with luxurious linens, and storage for clothing, books and travel finds.

It should have a hint of glamour, a touch of masculinity, and a place to exhale at the end of the day.

The homeowners wanted the room to feel romantic without being overtly feminine. This called for a carefully balanced colour palette of light and dark, and a juxtaposition of soft fabrics and clean-lined furniture.

continued on page 68…

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Illustrations are artist’s concept only. E. & O.E October 2013 NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 067

style file

continued…

This bedroom won the Gold 2013 CDECA (Canadian Decorators’ Association) Award for Interior Decorating over $20,000.

The starting point was a collection of fabrics in airy natural colours – linen, soft gray and cream, accented with subdued golden yellow. Rich wood tones in the furniture and drapery rods, along with the dark stripe in the drapery panels, provide just the right amount of contrast to keep the space grounded. The surprisingly vibrant artwork beside the bed makes a perfect, unexpected accent with its bold colour but appropriately serene subject matter.

To give the room its cosy feel, it was finished in Benjamin Moore’s Edgecomb Gray. Used on the ceiling, walls, panel moulding, baseboards and built-in bookcase, it provides a warm backdrop for subtle tone-on-tone texture and makes the white trim really pop. Warm metals used throughout the room add sophisticated elegance.

Now a comfortable and romantic retreat, this master bedroom has become the most used room in the house – a pleasure to both start and end the day. The custom detailing, warm colour palette, luxurious fabrics, and eclectic mix of lighting, art and accessories make this room what the homeowners call their “perfect little jewel box.”

Five tips for beautiful bedroom colour

1 2 3

To pull together a cohesive palette start by choosing your bedding. Once you’ve found bedding you love it will be the springboard for the rest of the room.

For a serene, calming palette, choose soft neutral colours and fabrics in a variety of textures and tones. Varying the texture and contrast are key to making a neutral palette interesting.

Cream-coloured drapery filters the morning light and creates a beautiful soft glow. Instead of using black-out lining, layer with black-out blinds that can be raised in the morning to let in the light.

068 new Condo Guide november 16 - 30, 2013

CC-40 Cloud White

by Benjamin Moore

HC-173 Edgecomb Gray

by Benjamin Moore

4 5

Paint baseboards the same colour and finish as the walls to make the walls seem taller and the ceiling higher.

For an up-to-date look use hardwood flooring and area rugs rather than wall-towall carpet. If you have a light colour palette a darker wood floor will help ground the space.

A lighter wood floor will feel airy and open.

laura stein Laura Stein Interiors is a nationally recognized and award winning Torontobased firm, specializing in custom interior decorating and design for residential clients. Dedicated to creating exceptional, distinctive and uniquely personal interiors for her clients, Laura’s focus is on fresh, lifestyle-based design infused with comfort and understated luxury.

Visit laurasteininteriors.com

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liveinliberty.com Presentation Centre – 80 Lynn Williams St. Open weekends 12 noon to 5pm, weekly by appointment only – call 416 537 0047 or email info@liveinliberty.com Prices correct at time of printing and subject to change without notice. Images for mood and impression only. E.& O.E.

069

the mortgage minute

// by peter kinch

Mortgage smarts:

Separating fact from fiction for first-time buyers

I

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

f you’re a first-time homebuyer, you’re likely paying attention to all the talk in the real estate world these days, and asking: Will prices go up?

Will the market crash? Will I ever be able to afford a home? How will I ever pay off this debt?

It’s easy to get caught up in all the noise, but harder to separate the fact from the fiction. As I edge closer to celebrating my first half century on this planet, I find myself using the phrase, “If I knew then what I know now…” more and more – which got me thinking about the next wave of first-time homebuyers, and what pearls of wisdom I could bestow on them.

I had an interesting conversation with a colleague the other day regarding property values in Vancouver. He relayed a story of a friend who had bought a house on the west side of Vancouver in the mid-1990s and it is now worth more than four times the amount he paid for it. In terms of equity, it was the equivalent of winning the lottery. We pondered the question, what will people be saying 20 to 25 years from now? Is it quite possible that a young 25-year-old couple today might look back in the year 2033 and say, “If only we had bought that place back in 2013? Why didn’t we? Oh yeah, mortgage rules and global uncertainty...”

Here are a few things that I’ve learned about real estate: 1. Real estate has peaks and valleys, but there has never been a future peak that is lower than the past one. Just give it time.

2. Time is your ally. Time can turn any bad real estate decision into a good one.

3. Equity is your safety net. It can supplement a pension and give you financial options in later years.

4. Your mortgage is a forced savings program.

Your home is worth more than the day you bought it – regardless of what happened during the years in between

So let’s assume that 20 to 25 years from now, you’ll be looking back and saying to yourself one of two things: ›› I’m sure glad I bought that first home, or ›› I wish I had just bought something back in 2013 A lot of people are in this situation today and paralyzed by all the noise around them. And in the absence of facts or perspective, fear will take over.

So, what are the factors that are influencing your decisions today?

Mortgage rules Yes, there are new mortgage rules that have been implemented over the past few years, but in some respects, these changes could be to your advantage. Many first-time homebuyers are unaware that you can still buy a home with as little as five per cent down. The main rule change that continued on page 72…

070 new Condo Guide november 16 - 30, 2013

THE

Real Estate Brokerage

NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 071

the mortgage minute

continued…

The key to creating long-term wealth in real estate through equity is your ability to afford your monthly mortgage payments, and making them consistently over a long period of time impacts your ability to afford a home is that you can no longer access a 30-year amortization. Your payments will now be determined based on you paying off that mortgage over a maximum 25-year period. Although this does make your payments a little higher in the beginning, it increases the amount of equity you build with each payment (remember, your forced savings plan).

In addition, the rule changes imposed by the government have had the exact effect they were hoping to accomplish, which was to slow what was becoming an overheated housing market. Again, this is to the advantage of first-time buyers because it will help to bring real estate prices back within your budget range.

Global uncertainty There is no doubt that we live in an age of global uncertainty and face the threat of financial chaos in Europe and a pending credit crisis in the U.S. However, this is not the first time our world has faced these challenges, and it won’t be the last. The key factor to consider is what you can control in your world. Ask yourself about your own employment options – your own employment future. The key to creating long-term wealth in real estate through equity is your ability to afford your monthly mortgage payments, and making them consistently over a long period of time – regardless of what is happening on the other side of the world. If you do so, one day you’ll wake up and realize two things: 1. Your mortgage is paid off, and 2. Y our home is worth more than the day you bought it – regardless of what happened during the years in between.

072 new Condo Guide november 16 - 30, 2013

So if you’re a first-time homebuyer, here’s my advice to you: create a budget that you can afford and be comfortable with. Buy a home that does not put a strain on your finances. Focus on taking baby steps and don’t get overwhelmed by the big picture. Make the monthly payments into that forced savings program called a mortgage, and then let time be your friend and real estate will do what it has done for many generations before – eventually go up as your mortgage goes down. That is what we call “creating equity.”

And then maybe, just maybe, as you’re about to celebrate your first half century on this planet, you’ll look back and say, “I’m glad I got started in 2013.”

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Purchasing Points

// by anthony jong

Downsize your home,

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.

T

he age of retirement comes upon us in the blink of an eye.

Many retirees have certainly been saving up for most of their lives in order to live comfortably in their golden years. A survey conducted by BMO suggests that the average amount needed for Canadian Baby Boomers to retire comfortably is $658,000.

Surprisingly, they have only saved an average amount of $228,000.

This $430,000 shortfall makes most Baby Boomers in Canada unprepared for the future.

The selling of prized possessions and a lower standard of living are typical things that await Baby Boomers to compensate for this shortfall. That means no more golf club memberships, vacations, new cars and the newest models of electronics. The biggest compensation is downsizing homes.

Anyone who has owned a home the past decade in Toronto has

076 new Condo Guide november 16 - 30, 2013

“upsize” your lifestyle

likely seen its value appreciate between 50 to over 100 per cent. As retirement approaches, the decision to downsize your home may be one of the smartest choices you make without sacrificing your standard of living.

I had the pleasure of working with a retired couple who owned a house in a neighbourhood that was predominantly inhabited by empty nesters. Like many other families, their children had flocked away to the jobs and busy lifestyles of the city. The couple wanted to recoup some of the equity from the house sale and place a portion of it into a less-expensive home, while saving the rest in a retirement fund. The two of them explored the option of moving to a centrally based location with a reliance on public transportation. It would also mean a different lifestyle than they had been used to for the past 30 years – condominium living.

The condo lifestyle does away with back-breaking yard work, snow shoveling, eavestrough cleaning, window washing, furnace maintenance, air-conditioner breakdown, and higher property taxes. Throw all that away and replace these obstacles with a long list of amenities including security and concierge, spa lounges, tranquil outdoor spaces, large-scale party rooms with gourmet kitchens, golf simulator, pool table room, and gym complete with professional exercise equipment. Now, give me a chance before you shoot me down and scream “maintenance fees!” The fact that you pay monthly maintenance costs to cover part of these utilities (typically gas, water and security monitoring) and all the necessary grounds keeping such as yard and snow shoveling is well worth the money for hassle-free living in retirement.

On top of this easy lifestyle, new condominium projects are incorporating specialized amenities.

Back in the ’80s and ’90s, condominium living was more about your private living space. You arrive at the building, go up the elevator, and lock yourself in the unit. Some older condominiums have an exercise room, a swimming pool, and perhaps a small party room that no one ever uses. The old condo lifestyle was quite contained and amenities were never at the forefront. When you step into a new condominium nowadays, it is a bustling community. Developers have realized that condo residences do not close themselves off from the outside world. They are, on the contrary, a place of social gathering where residents can mingle or find a quiet spot for some rest, relaxation, and sun. Our standards of living have evolved. Condo developments are incorporating new amenities such as cooking classes in the party room gourmet kitchens, wine-tasting bars beside sun lounges, rooftop gardens, and tranquil spa services to complete the experience. Exercise rooms have also been upgraded with well-stocked professional equipment. Best of all, the 24-hour on-site concierge will keep an eye out on your unit with an integrated security system when you leave on an extended vacation.

If you are on the cusp of retirement and downsizing is an option, explore all the various condominiums and what they have to offer. I know my clients did, and they have no regrets of making that leap.

the hOtteSt SellING CONDO IN DOwNtOwN tOrONtO

PLUS UP to $35,000 caSh Back** on SELEct SUitES An incredible opportunity to own at King Blue Condos in the heart of the Entertainment District.

Come home to a magnificent porte cochère courtyard and sublime amenities such as a state-of-the-art fitness centre, spectacular rooftop terrace garden and more.

lUXUrY CONDOS At KING & BlUe JAYS wAY

KINGBLUECONDOS.COM | 416.599.1355 KING BLUE PRESENTATION CENTRE 355 King StrEEt WESt Mon - thurS: 12PM – 6PM SAt & Sun: 12PM – 5PM Exclusive Listing: Baker Real Estate Incorporated Brokerage. Brokers Protected. *Prices and specifications are subject to change without notice. Illustrations are artist concept. **Restrictions apply. See sales representative for more details. $35,000 cash back incentive applies to select suites only. The amount will discounted from the final price, the above amount cannot be used towards a down payment or any installments thereafter. No other incentives can be used with this offer. E. & O.E.

077

money matters

// By Gail Vaz-Oxlade

avoid fraud

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

Follow Gail on Twitter at Twitter.com/GailVazOxlade

E

ver had a sense of participating in the shared consciousness? This is how I refer to the fact that sometimes I get a slew of letters about one particular topic. It’s sometimes what drives me to do a blog with a specific focus. A while back I got a slew of letters asking about the “Save 10 Per Cent Rule.” Most recently, I’ve had a barrage of request from people who are very concerned about fraud.

I periodically go through my paperwork and files, and get rid of anything I no longer need. I don’t just dump ‘em. I shred ‘em. This applies to financial statements, invoices, anything with personal information that someone could use to hurt me.

Since “dumpster-diving” has become a favourite way for fraudsters to find information they can use to apply for loans or credit cards in someone else’s name, I bought myself a crossshredder and make my financial paperwork into confetti.

078 new Condo Guide november 16 - 30, 2013

I never write my PINs down. Yeah, I’m old, but I can still commit a few numbers to memory. And I wouldn’t dream of sharing my PIN with anyone.

When choosing a PIN, don’t make it too obvious: a phone number, address, birth date. And periodically I change my PINs. If you’re having trouble remembering your multitude of PINs and passwords, take a page from my girlfriend: she carries a telephone book around with her and has her PINs and passwords concealed amongst all the other names and numbers.

I never give out info on the phone. I’ve had people call me to “verify” stuff, and ask me for the information. I point out that I’m happy to verify what they already know, but I’m not telling them squat. Your bank will never call you at home requesting personal information. If someone does, rest assured that it is a scam and should be reported to both your bank and the Anti-Fraud Centre at 1.888.495.8501 or info@phonebusters.com.

I’ve also received more than a few emails requesting personal information.

I just hit “delete.” I know my bank would never send an email requesting log-in information or for me to click on a link to your bank’s log-in screen to enter information.

I periodically go through my paperwork and files and get rid of anything I no longer need. I don’t just dump ‘em. I shred ‘em. This applies to financial statements, invoices, anything with personal information that someone could use to hurt me.

If you’re a sucker, you deserve to lose your money. Sounds harsh. Really?

Have you ever got one of those emails promising you thousands of dollars if you take advantage of a new business opportunity, fabulous investment with amazing returns, or for your help in moving money from another country?

Just how gullible are you?

Work-from-home scams are another way some people are ambushed.

With people looking for ways to make more money, the temptation to send money to someone with a promise of getting paid work you can do at home is sometimes too much to resist. One of the most successful scams lures you into becoming a “representative” or “collection agent” for a company. The fraudsters have you collect and deposit cheques into your bank account and then wire the cash to Head Office while keeping your commission for yourself.

Sadly, the cheques turn out to be counterfeit and the bank comes after you for the cash because you are responsible for any deposits to your bank account.

I’m also pretty careful when I shop online. I choose to use reputable retailers and I have a credit card with a very low balance that I use only for online purchases. I change this card every year or so. A credit card can actually help to protect you since if you have a dispute with a seller, you can ask your credit card company for a “chargeback” – read “don’t pay this seller” – if your purchase was not as advertised.

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A new home designed for you.

Starting at $238,000.

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HarmonyVillage.ca All prices, sizes and specifications are subject to change without notice.

Rendering is artist’s impression. E. & O. E. Images are for mood and impression only.

079

in the news

FINAL CANARY DISTRICT BUILDING TOPPED OFF

Dynamic new mixed-use community and future home of Pan/Parapan American Games Athletes’ Village tracking on time, on budget

One of Canada’s most important new

is one step closer to completion.

Dundee Kilmer Developments L.P. president Jason Lester officially announced the topping off of the final building in the Canary District. The master-planned community will first serve as the Athletes’ Village for the Toronto 2015 Pan/Parapan American Games before being re-imagined as one of Toronto’s most dynamic live-work-play urban villages. The 437-unit building, to be known as Canary Park Condominiums, sits adjacent to Bayview Avenue and the new 18-acre Corktown Common park. It features two midrise towers of 11 and 15 storeys, as well as a dramatic retail podium.

Now over 60 per cent complete, the Athletes’ Village – which Dundee Kilmer Developments L.P. has been contracted by the Government of Ontario to design, build and finance at a total value of $514 developments

080 new Condo Guide november 16 - 30, 2013

The final building at Canary District has been topped off. To mark the occasion, journalists were invited to “etch their mark in concrete” on the top floor of Canary Park Condominiums.

Pictured are Jason Lester, president, Dundee Kilmer Developments Ltd. (left) and Ken Tanenbaum, vice chairman, Kilmer Group (right) who also leave their imprint on the project

million – is currently on time and on budget.

“I’m proud to not only announce the topping off of the final building in this important new urban village, but to also share our success in meeting our budget targets and completion milestones,” Lester said. “This innovative mixed-use community sets a new standard for design, livability and sustainability.

We believe the Canary District will attract residents from young families to empty nesters, while inspiring leading businesses, for decades to come.”

More than 82 per cent of the first market building, Canary District Condominiums, has been sold. That progress recently earned high praise from Pan American Sports Organization technical commission head Mike Fennell on a recent visit to Toronto, who declared that preparations “… were more advanced than any I have experienced at any other Games.”

The entire West Don Lands development, including the Canary District, is expected to return an increased and incremental property tax assessment value of $3.7 billion.

Property taxes for the area are expected to deliver $30 million annually to the city of Toronto.

The neighbourhood will be comprised of 808 market units (including condominiums, townhomes and lofts), along with continued on page 82…

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This is a limited time offer. Exclusive listing: Baker Real Estate Incorporated, Brokerage. Brokers Protected. Prices and specifications are subject to change without notice. Illustrations are Artist’s concept. E. & O. E.

NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 081

in the news

continued…

253 units of affordable housing (across a range of unit types from two-storey maisonettes, to one- and twostorey apartments). All buildings have been designed to achieve Leadership in Energy and Environmental Design (LEED) Gold certification and boast green roofs.

Occupancy will commence in April, 2016.

Amenities at the base of residential buildings will include retail stores, cafés and restaurants. There will also be accessible community and recreational services such as the cutting-edge 82,000-sq.-ft. Cooper Koo Family YMCA and a new 175,000-sq.-ft. satellite campus residence for George Brown College.

Designed as a community for the 21st century by the Dundee Kilmer Integrated Design Team, some of the Canary District’s most important features include an extensive pedestrian network with 30- to 40-ft. wide granite-paved sidewalks designed to maximize walkability, open and transparent streetscapes, as well as large-scale building windows and balconies that offer a connection between the residents living above and the bustle of streets below—a direct nod to the late Toronto urban planning visionary Jane Jacobs’ ‘eyes on the street’ thesis.

082 new Condo Guide november 16 - 30, 2013

The Canary District’s innovative design has already garnered impressive industry accolades including the Best Urban Community of the Year Award from National Association of Home Builders and the Canadian Architects Award of Excellence.

The neighbourhood will also feature some of the fastest broadband connection speeds in the world, with numerous Wi-Fi hotspots providing 24/7 Internet access to residents and visitors alike. In fact, the Canary District will be home to Canada’s first openaccess, ultra-high-speed broadband community network, which will rank among the top seven most sophisticated networks in the world. To connect the Canary District with the neighbouring Distillery District, materials such as masonry are being used at street-level, while a contemporary and modern design aesthetic has prevailed to exemplify the neighbourhood’s importance to the revitalization of Toronto’s formerly derelict West Don Lands.

To learn more about the innovative, sustainable new neighbourhood that is transforming the heart of Toronto, visit canarydistrict.com.

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*SEE A SALES REPRESENTATIVE FOR DETAILS. EXCLUSIVE LISTING BROKERAGE BAKER REAL ESTATE INCORPORATED. BROKERS PROTECTED. ILLUSTRATIONS ARE ARTIST’S CONCEPT. PRICES AND SPECIFICATIONS ARE SUBJECT TO Tower Hill CHANGE WITHOUT NOTICE. E.&O.E

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NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 083

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For advertising details please call Dionne Fraser at 416.540.8819 *Prices, specs and availability correct at press time. **Promotion is valid to completed homes & inventory of 12 homes or less.

084 NEW CONDO GUIDE NOVEMBER 16 - 30, 2013

GTA Edition November 16 - 30, 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 3 Pinnacle International 6 Cresford Development Corp.

7 The Daniels Corporation 10 Empire Communities 15 Tridel Corporation 16 Freed 17 Rockport Group 20 Tower Hill Development Corporation 23 Tribute Communities 26 Bazis Inc. 27 The Daniels Corporation 28 Empire Communities 52 Cresford Development Corp.

58 Great Gulf Homes 60 Canalfa Group 64 Lamb Development Corp.

117 Bazis Inc. 117 Metropia 117 Plaza 124 Pinnacle International 140 Eden Shaw 149 Camrost - Felcorp 150 Aspen Ridge Homes 171 Camrost - Felcorp 189 The Daniels Corporation 192 MintoUrban Communities Inc. 199 Fieldgate Homes 201 Easton’s Group 201 Solotex 202 Bazis Inc. 215 Dundee Kilmer Developments 217 Pemberton Group 217 Baywood Homes 218 Malibu Investments Inc. 218 Urban Capital 220 Lamb Development Corp.

221 Lamb Development Corp.

222 Lamb Development Corp.

Menkes Developments Inc. 1 Goldman Group & Lash Dev. Corp.

1 Goldman Group & Lash Dev. Corp.

2 Great Gulf Homes 3 Concord Adex 3 Concord Adex 3 Concord Adex 3 Concord Adex 4 Gairloch Investments 4 Tridel Corporation 5 Onni Group of Companies 5 Onni Group of Companies 8 Cresford Development Corp.

8 Cresford Development Corp.

8 Cresford Development Corp.

9 Aspen Ridge Homes 11 Menkes Developments Inc. 11 Menkes Developments Inc. 12 North Drive Investment 13 Streetcar Development 14 Canalfa Group 18 Urban Capital 18 Urban Capital 19 KIngstone Road Development 20 Menkes Developments Inc. 21 Remington Group 21 Easton’s Group 21 Remington Group 22 Monarch Corporation *TH: Townhomes, C: Condo

Site Telephone TH* C* Price Range Page Finder The Marquee Townhomes on thePark pinnacleuptown.com • from $700,000 117 20K Merton Yonge Condominiums 416-484-1900 • from $350,000 136 14e High Park Condominiums 416-351-1844 • from $300,000 27 8L The HUB 416-784-3482 • from $250,000 7 9F 101 Erskine 416-480-0700 • from $285,000 BC 14D 155 REDPATH 416-996-5428 • from $210,000 75 14D The Nest 416-223-0003 • from $250,000 53 11H 2221 Yonge 647-350-2221 • from $200,000 83 14E The College 416-363-4800 • from $320,000 55 M14 One Yorkville 1yorkville.ca • 5 15I One Park Place South 416-955-0559 • from $200,000 15 18k Water Tower at Eau Du Soleil 416-503-3328 • from $320,000 6 25B CASA III 416-486-2272 • from $250,000 135 15L Monde 416-466-8885 • from $300,000 18 17M Liberty Central by the Lake 416-537-0047 • • 69 12N The Brant Park 416-368-5262 • from $262,000 73 14M Exhibit 416-967-7778 • 11 14i Exhibit 416-967-7778 • 11 14i Exhibit 416-967-7778 • 11 14i The Pinnacle on Adelaide 416-596-1600 • from $334,000 93 15M Chaz Yorkville Condos 416-922-0045 • from $350,000 41 16J Imperial Plaza 416-925-2501 • from $450,000 3 15I Studio on Richmond 647-352-7736 • from $300,000 57 15M Yorkville Plaza 416-966-3003 • • from $350,000 1 14H Cinema Tower Condominiums 416-203-2020 • from $450,000 29 14M 30 Roe 416-915-3812 • from $350,000 45 14D 90 Niagara 90niagara.com from $350,000 38-39 14O King Blue Condominiums 416-599-1355 • from $250,000 77 12N Upper Beach Townes • 84 24G E Condos 416-243-8688 • from $300,000 19 14E Canary District Condominiums 416-603-7576 • from $300,000 81 18L TEN93 Queen West 905-326-4100 • 8 12F TEN93 Queen West 905-326-4100 • 8 12F Smart House 416-292-0219 • from $250,000 47 15L Smart House 416-292-0219 • from $250,000 47 15L King Charlotte 416-368-5262 • from $416,000 73 15M Theatre Park 416-368-5262 • from $537,000 73 16M The Harlowe 416-363-1771 • from $260,000 71 15M Harbour Plaza menkes.com • Insert 530 St. Clair Ave. West 416-868-0500 • from $344,000 12H the rushton rushtonliving.com • from $344,000 12H Yonge+Richmond 416-499-8883 • from $273,000 16K Grand Parade 2 at Concord CityPlace 416-813-2999 • 15M ParadeTWO Park Collection at Concord CityPlace 416-813-2999 • from $308,000 15M Quartz 416-813-2999 • • 15M Spectra 2 416-813-2999 • • 15N 383 Sorauren 383sorauren.com 9L Aqualina at Bayside Toronto 416-514-2710 • 16E 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 NXT 416-977-5300 • • from $300,000 8N VU 416-970-9500 • • from $370,000 16L Pears on the Avenue 416-323-0100 • from $382,000 14I 365 Church 416-591-7700 • from $250,000 14I The High Park 416-670-3699 • from $300,000 8L Trinity Lofts 416-690-2988 • from $330,000 19l Liberty Place 416-537-0047 • • from $170,000 12N River City 416-862-0505 • • from $250,000 18L River City 2 416-862-0505 • • from $250,000 18L The Glen 416-694-3333 • from $255,000 23H Fabrik 416-591-7700 • from $250,000 14M King Blue Condominiums 416-599-1355 • from $250,000 12N Westinghouse Lofts 416-599-1355 • from $200,000 12N Westinghouse Lofts 416-599-1355 • from $200,000 12N Picasso on Richmond 416-495-3549 • 14M

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

Tridel Corporation Greenpark Homes Tridel Corporation Pinnacle International Pinnacle International Tower Hill Development Corporation Madison Homes Lamb Development Corp.

Cresford Development Corp.

Concord Adex Conservatory Group Cresford Development Corp.

Times Developments Inc. MintoUrban Communities Inc. MintoUrban Communities Inc. Lanterra Developments Lindvest Pemberton Group E-Park Development Emsatec Canada Inc Neudorfer Corporation Madison Homes State Building Group Empire Communities Lamb Development Corp.

Tridel Corporation Harhay Developments Carttera Fernbrook Homes/Cityzen Dev. DHD Developments Great Gulf 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 Pemberton Group The Daniels Corporation The Daniels Corporation The Daniels Corporation Great Gulf Homes Lifetime Developments Lifetime Developments Concert Properties Triangle West Development Lanterra Developments Tridel Corporation Tridel Corporation Tribute Communities Tribute Communities Graywood Developments Mod Developments Inc. Canderel/Stoneridge Alterra Homes/Finer Space 45 Charles Ltd. BSaR Ltd Andrin Homes Graywood/Beaverhall Development Cityzen Fernbrook Homes Fernbrook Homes Urban Capital Malibu Investments Inc. Alit Developments Tre Memovia Developments Lifetime Developments Lifetime Developments Castlepoint/Cityzen/Fernbrook Pianosi Developments Sorbara Group Streetcar Development Mizrahi | Khalili Developments Sorbara Group Graywood Developments Mod Developments Inc. Reserve Properties Reserve Properties Pemberton Group Streetcar Development Greenpark Homes Cresford Development Corp.

Tri-Win Developments Inc Burnac Corporation Lifetime Developments Centre Court Development Streetcar Development Menkes Developments Inc. Freed Carttera Rio Can Metropia Mod Developments Inc. Reserve Properties Castlepoint/Numa Torbel Group TAS DesignBuild Freed Mansouri Living

*TH: Townhomes, C: Condo

Telephone

TH* C*

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Page

Ten York 416-596-9888 • from $1020,000 Axiom Condominiums 647-352-4077 • from $225,000 Spadina Queen 416-661-1949 • Success Tower at Pinnacle Centre 416-360-0673 • from $750,000 33 Bay Residences at Pinnacle Centre 416-925-3325 • from $375,000 Churchill Park Condominiums 416-966-9080 • from $900,000 The Madison 416-482-8090 • from $420,000 Riverside Towns 416-368-5262 • from $460,000 Lofts 399 416-867-3999 • from $390,000 Infinity The Final Phase 416-214-1988 • from $300,000 Milan 416-928-7409 • from $520,000 CASA 2 416-977-1100 • from $250,000 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 416-787-8882 • from $390,000 B Streets 416-532-6636 from $320,000 The Uptown Residences 416-987-3500 • from $950,000 Foundry Lofts 416-531-7760 from $399,000 The Brownstones 5 416-531-7760 • from $350,000 Brownstones 416-531-7760 • from $305,000 The Upper Canada Condominium 416-489-5194 • from $1800,000 The Upper Canada Condominiums 416-489-5194 • from $1.8,000 Schoolhouse 416-979-1333 • from $595,000 Flatiron Lofts 416-368-5262 from $243,000 300 Front Street West 416-217-0300 • from $324,000 One Eleven Condominiums & Lofts 647-347-4111 • from $250,000 One Eleven Condominiums & Lofts 647-347-4111 • from $250,000 Pier 27 Waterlink 416-367-3456 • from $800,000 Condos at The Distillery 416-361-1322 • from $400,000 One Bloor Residences 416-922-0081 • from $535,000 The King East 416-368-5262 • from $435,000 East Condos & Lofts 416-368-5262 • from $310,000 King West 647-341-1731 • 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 647-341-1731 • from $279,000 U Condominiums 416-546-6605 • from $2500,000 One Park West 416-955-0559 • from $406,000 One Park Place Condominiums 416-955-0559 • from $200,000 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 $274,000 88 Scott 416-216-8588 • Art Condos 416-535-7775 • from $530,000 Riverhouse at the Old Mill 416-766-7343 • from $520,000 Two Old Mill 416-645-7022 • from $356,000 Old Mill 416-645-7022 • from $450,000 RCM I on University 647-351-9247 • from $393,000 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 Chaz Yorkville Condos 416-922-0045 • from $320,000 12 Degrees 416-408-1200 • from $350,000 The Berwick 416-922-9425 from $280,000 The Mercer 416-597-6940 • from $350,000 Backstage on the Esplanade 416-777-2533 Backstage on the Esplanade 416-777-2533 Vero 416-798-7070 from $250,000 Tableau Condominiums 416-591-8887 • • from $450,000 Tableau Condominiums 416-591-8887 • • from $350,000 Tableau Condominiums 416-591-8887 • • from $350,000 Carmelina 416-423-8500 • from $325,000 The Yorkville Condominiums 416-987-3344 • • from $550,000 The Bond Condominiums 416-546-7525 • • from $300,000 L Tower 416-777-2533 • from $410,000 Perspective Condos 416-242-3500 from $280,000 thirtytwo Camden 416-860-0060 • from $240,000 8 Gladstone 416-690-9009 • from $335,000 133 Hazelton Residence 416-926-9900 • 210 Simcoe 416-217-0210 • from $200,000 Five Condos 416-928-0555 • • from $375,000 Five Condos 416-928-0555 • • from $375,000 Rise 416-546-7399 • • from $290,000 Model Suite of the Month • Neon 416-987-7878 • from $470,000 The Carlaw 416-690-8588 • from $200,000 Allure Condominiums 416-487-7600 • from $350,000 1000 Bay 416-485-3000 • FAD Condos 416-815-1818 • from $250,000 South Hill on Madison southhillonmadison.com • from $200,000 INDX 416-987-4639 • INDX 416-987-4639 • The Carnaby 416-690-9009 • from $250,000 Noir 416-977-8780 • from $250,000 SIXTY Colborne 416-601-0060 • from $300,000 SIXTY Colborne 416-598-7775 • from $300,000 E Condos 416-243-8688 • from $300,000 E Condos 416-243-8688 • from $300,000 The Massey Tower 416-966-0197 • • from $320,000 109OZ 416-531-4844 • from $300,000 The Sterling 416-777-2533 • • from $230,000 Wallace Walk 416-531-1818 • from $210,000 Duke Condos junctionlife.ca Thompson Residences 416-360-0600 • from $280,000 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 12F 17L 15D 17m 17m 13H 14E 19L 14L 16m 15I 15L 17I 14M 14M 14B 13J 16J 9I 9I 9I 14G 14G 13i 20J 15M 13M 13M 17N 18L 15I 18L 18L 13N 15I 15I 14J 17M 17M 9j 9J 14M 17L 15K 18J 18J M14 16J 16J 16m 17M 12N 5L 5L 5L 14M 15I 16J 16J 12N 16L 16J 15L 14D 15M 17M 17M 17M 15L 15L 15L 23J 15G 15G 17L 4H 14L M12 14I 15M 15J 15J 12H 12H 14D 19K 14F 15J 14M 13I 16M 16M 12M 15M 16L 16L 14E 14E 16L 12M 9L 9L 8K

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

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from $562,000

IFC

22e

96 ELAD Canada

Biyu Emerald City

biyucondos.com

•

from $250,000

59

24C

121 Liberty Development Corp.

World on Yonge

905-771-7010

•

from $285,000

Insert

A18

122 Lanterra Developments

Treviso Condominiums

416-787-8882

•

from $250,000

25

12F

123 Brandy Lane Homes

The Station

416-398-9777

•

from $420,000

63

12D

128 The Daniels Corporation

NY2

416-221-3939

from $220,000

37

19C

1

Concord Adex

Opus

416-813-2999

•

22C

2

Torbel Group

The Avanti Condominiums

416-636-0400

from $390,000

3

YYZed Project management

VISTO

vistocondos.ca

from $220,000

8E

4

Tridel Corporation

Hullmark Centre

416-733-2883

•

from $524,000

18D

4

Tridel Corporation

Aristo at Avonshire

416-730-0300

•

from $383,000

18D

6

Concord Adex

Tango at Concord Park Place

416-813-2999

•

•

from $236,000

22C

6

Concord Adex

Discovery at Concord Park Place

416-813-2999

•

22C

6

Concord Adex

Discovery II at Concord Park Place

416-813-2999

•

6

Concord Adex

Tango2 at Concord Park Place

8

Conservatory Group

Pearl 2 Condominiums

14 Torbel Group

Diva

15 Emery Condominiums

•

17C

•

from $210,000

22C

416-813-2999

•

from $265,000

22C

416-512-1818

•

17C

DivaCondo.com

from $250,000

11C

The Essential

905-887-4888

•

from $250,000

20E

28 Tridel Corporation

Alto at Atria

416-645-8866

•

from $288,000

25D

33 Castle Royale Development

The Palm Condominium Residences

416-306-1000

•

from $400,000

17B

37 Norstar Group of Companies

Portrait Condominiums

416-282-9600

•

from $300,000

13C

40 Menkes Developments Inc.

Gibson Square

416-730-9722

•

from $385,000

17C

50 MintoUrban Communities Inc.

88

416-915-3805

•

from $325,000

18c

50 Devron Developments

Flo Condominiums

647-799-0356

•

from $250,000

18c

86 Canderel/Stoneridge

Aura At College Park

416-962-8688

•

from $995,000

16K

94 DHD Developments

Gooderham

416-361-1322

•

from $410,000

18l

95 Aspen Ridge Homes

Scenic on Eglinton

416-805-1781

•

23G

96 ELAD Canada

Emerald City Condominiums

416-492-0001

•

from $248,000

24C

96 ELAD Canada

Dreamtower At Emerald City

416-492-0001

•

from $248,000

24C

99 The Brown Group of Companies

Willow Park at Bayview

416-221-6767

•

from $400,000

21

101 Kantium Development

Posh Condominiums

905-771-0134

•

from $544,000

16A

122 Lanterra Developments

Treviso II

416-787-8882

•

from $250,000

12F

124 Tridel Corporation

Trio at Atria

416-645-8866

from $288,000

24C

125 Fram Building Group

LIV Lofts

416-445-5638

from $250,000

22F

128 The Daniels Corporation

NY Place

416-221-3939

•

from $250,000

19C

130 Tribute Communities

Canterbury

647-352-2130

•

•

from $700,000

19F

132 Fram Building Group/Cadillac Fairview

Flaire Condos

416-445-8868

•

from $320,000

22F

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

•

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

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

1

2

3

4

5

6

8

21 22

Al

bio

24

25

26

nR

d

e

Islington Ave

al

Kipling Ave

Martin Grove Rd

10

62

Re

Bl

vd

1

2A

40

27

401

Dixon Rd

Westway

ve nA

Etobicoke Rathburn Rd

19

8 ll R Mi

44 Bloor St W

d

Dundas St W

QEW

Queensway

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

Site

Telephone

TH* C*

70

11 53 3 56 39 4 37 6 33

Gardiner Expressway Evans Ave

Horner Ave

h

5 Park Lawn

7

35

50 14 51 34

Royal York Rd

Scarborough

d

409

ett R Scarl

60

23

Finch Ave W

23

lva

Sy

20

Ranforth Dr

Av e

19

Humberline Dr

Da nf or th

18

xd

Centennial

Ki

n sto 1

ng

Ki

Manse Rd

St. Clair Ave 1

72

RD

Galloway Rd

Markham Rd

McCowan Rd

Bellamy Rd

Brimley Rd

Lawrence Ave E

Orton Park Rd

n Dr

orto

17

East Ave Port Union Rd

71

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

Victoria Park

g

Progress Ave

Brim

Eglinton Ave E

f

29

16

427 Morrish Rd

2

Scarborough Golf Rd

Midland Ave

Warden Ave

Pharmacy Rd

e

61

Birchmount Rd

d

Kennedy Rd

Ellesmere Rd

15

Beare Rd

401

14

Sheppard Ave E Conlins Rd

Milner Ave

55 401 31

Meadowvale Rd

1

Sheppard Ave E

13

Passmore Ave

Ave

Morningside Ave

evin

McL

12 Reesor Rd

Huntingwood Dr

c

11 Sewells Rd

Finch Ave E

b

10

Neilson Rd

McNicoll Ave

9

Tapscott Rd

McCowan Rd

A

7

65

Lakeshore Blvd W

#

Builder

2

Great Gulf Homes

Twenty Lombard

416-499-8883

•

Price Range

3

Castleridge Homes

Clairington

905-793-0002

•

7

Great Gulf Homes

HOT

905-828-4257

Page

Finder 17

16K

from $200,000

127

16E

•

from $274,000

22

16M

17 Pemberton Group

Downtown Erin Mills Condominiums

905-630-6300

•

from $320,000

9

6C

45 Empire Communities

Rain Condominiums

905-845-7246

•

from $200,000

6

17Q

4

Conservatory Group

Mirage

905-232-2400

•

from $270,000

20K

5

AMACON

PSV2

905-273-9333

•

18M

8

Fernbrook Homes

Absolute World

416-869-6057

•

from $188,000

21k

8

Cityzen

•

Absolute World

416-869-6057

from $188,000

21K

10 AMACON

The Residences at Parkside Village

905-273-9333

•

from $250,000

21K

12 Alterra Homes

Renaissance in Olde Brampton

416-710-1010

•

from $295,000

13d

14 Pemberton Group

Rosedale Village Golf & Country Club

905-799-5000

•

from $346,000

12e

16 Vandyk Communities

Windows on the Green

905-822-3333

from $300,000

17M

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 30 Pinnacle International

•

1-866-611-5525

•

from $264,000

7Q

Park Place

905-451-7001

Pinnacle Grand Park 2

905-276-3981

•

from $310,000

14G

•

from $250,000

20L

32 Armour Heights Developments

River’s Edge

905-533-2400

•

from $285,000

14A

34 Pinnacle International 35 Ashley Oaks Group

Pinnacle Uptown, Crystal 2

905-568-9000

•

from $255,000

19K

Emporium at Joshua Creek

905-618-0660

•

from $200,000

17P

38 Tridel Corporation

Metrogate - Ventus 2

416-293-5535

•

•

from $302,000

19J

38 Tridel Corporation

Ventus at Metrogate

416-293-5535

•

46 Mattamy Homes

The Mount Pleasant Village

47 The Daniels Corporation

Daniels Erin Mills

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

•

from $344,000

19J

mattamyhomes.com

•

from $200,000

20M

905-306-6996

•

from $200,000

17M

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

089

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21 22

Va lle yP ar kw n Do

26

Park

Ave

2

8

o esh Lak W Blvd

y Valle D on ay Parkw

QEW

16 17 shore Lake W Blvd

25

rd S

tE

20

11

St

y Ave

14

Jarvis

ersit

St Keele

1

re

Univ

ve ina A Spad

e

24

bine

Ave well

G era

Rd

ne

erin

s dow

Duff

Land

d

f

Cox

Rog

e r Av nne O'Co ve rn A osbu

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ue Aven

Rd

d

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han

ina R

Rd

Vau g

St

on

Spad

nt

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We st

erin Duff

ve W on A

St Jane

c

eE

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ay

A

b

23 ir Av

St Cla

oria Vict

1

d Dr Lair

21 4 12 18ay 9 29 ssw xpre er E

din

Gar

g

Toronto Waterfront

h

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

Builder

Site

58 GREAT GULF

#

Monde

416-466-8885

• • from $304,000

18

17M

60 CANALFA GROUP

Liberty Central by the Lake

416-537-0047

69

12N

1

Park Lake Residences

416-769-4343

• • from $250,000

3F

Grand Parade 2 at Concord CityPlace

416-813-0999

15M

Pemberton Group

waterfrontmaps: Toronto

3 Concord Adex

090

Telephone

TH* C*

Price Range

•

•

Page

Finder

3

Concord Adex

Quartz

416-813-0999

• •

15M

3

Concord adex

ParadeTWO Park Collection at Concord CityPlace

416-813-0999

• from $308,000

15M

4

Monarch Corporation

Nautilus at Waterview -

416-203-6636

• from $400,000

25H

4

tridel corporation

Aqualina at Bayside Toronto

416-514-2710

•

16E

6

Plazacorp/Berkley Community

West Harbour City

westharbourcity.com

• from $327,000

13E

7

Lifetime Homes

Waterparkcity – Neptune

416-203-3700

•

13f

8

Concord Adex

ParadeTWO Tower Residences

416-813-0999

• from $287,000

14f

8

Concord Adex Grand Parade at Concord CityPlace

416-813-0999

• from 293,000

14F

8

Concord Adex

Panorama at Concord CityPlace

416-813-0999

• from $389,000

14F

8

Concord Adex

Panorama Elite Suites at Concord CityPlace

416-813-0999

• from $1,135,000

14F

8

Concord Adex

Luna Vista at Concord CityPlace

416-813-0999

• from $2,213,000

14F

8

CONCORD ADEX

Spectra

416-813-0999

• •

14F

8

Cresford Development Corp.

NXT at Windermere By The Lake

416-977-5300

• • from $300,000

11f

8

Cresford Development Corp.

NXT2/Phase Two

416-977-5300

• • from $210,000

4E

9

Conservatory Group

Infinity Condominiums

416-214-1988

• from $250,000

14f

11 CAMROST FELDCORP

California Condominiums

sunsetcondos.ca

• from $242,000

25G

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

18 Fernbrook Homes/Cityzen Dev.

Pier 27 Residences On The Lake

416-367-3456

• from $300,000

11F

18 URBAN CPITAL

River City 2

416-862-0505

• from $250,000

18L

29 PINNACLE INTERNATIONAL

33 Bay Residence at Pinnacle Centre

416-925-3325

• • from $375,000

17M

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

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

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

King St W Bond St W

Park Rd S

Phillip Mur

TH* C*

Price Range

og

Scug

Manvers

Page

Finder

Scugog

905-271-5038 48

• from $280,000

125

647-692-8417

• from $250,000

105

monarchgroup.net

•

Oshawa

12B 23C

Newcastle

insert

24C

Dr

Ce rem on ial

Qu ee nS tE

St W

Ra th bu rn Rd W

or Qu Dr ee n

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Sh Sp erid ea an km P an ark Tr Dr Dr us co tt Dr

Th eC oll eg ew ay

La ke sh or eR dW

Eleven Superior

416-259-8882

• from $220,000

1 4099

23C

25 queenscorp residences

Watermark

416-354-2221

• from $707,000

95

19D

28 empire communities

Water Tower at Eau Du Soleil

416-503-3328

• from $320,000

6

25B

5

United lands

Stonebrook Condominiums

905-822-8858

• from $270,000

9E

8

chestnut hill development

San Francisco By The Bay

905-831-3631

•

• from $180,000

23J

10 Pemberton Group

Bluwater Condominiums

416-987-8800

• from $350,000

5J

11 Monarch Corp.

Waterscapes

416-495-3544

• from $390,000

25C

13 GREEN HILL HOMES

Princeton Manor

905-849-1818

• from $210,000

6G

14 Phantom Developments

Jade Waterfront Condos

416-251-0707

• from $250,000

24G

15 GRAYWOOD DEVELOPMENTS

Ocean Club

416-255-4663

• from $250,000

24C

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

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

waterfrontmaps: GTA

Lake

Uxbridge

Si

Bloor St

Lindsay

20 DAVIES SMITH

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

Park Rd S

Whitby 7 Waterfront

Stevenson Rd

Wentworth St

Centre St.

401

Gibb St

Thornton Rd

Telephone

8

Adelaide Ave

Kendalwood R

48

Blair St

Cannington

Garrard Rd

Sp ee rs Rd La ke Ma sh cD or eR on Cor ald nw dE Rd all Rd

Anderson St

n

Bayly St E Georgina Island 33 caygeo Bob

Hopkins St

Keswick

Garden St Blair St

Schomberg

Brock St S Henry St Gordon St

Georgina

Cochrane St

King

Bv

Sim

Ajax-Whitby

ly

Brock St N

McQuay

Townline Rd

ke

La

Rossland Rd

Manning Rd

Town of Whitby

e 401

Shoal Point Rd

Bay

Taunton Rd W

Dryden Bv

Dundas St E

Whitby

*TH: Townhomes, C: Condo

eS co Sim

Stevenson Rd

Garden St

Baldwin St S

Country Lane

Conlin Rd

To Os

Thornton Rd

Thickson Rd

1518 20

R

Rossland Rd

co

Pickering Beach Rd

La Br ke id sh ge or Rd eR dW

Evans Ave

Coronation R

Bu rn ha m th or pe Rd E

Church St E

16 28

25

Lakeridge Rd

Audley Rd

Rd

Village of Gardiner Expressway in 1411 Brookl 2

Halls Rd N

Audley Rd

Up pe rM idd le

8 Con

Garrard Rd

Eg Bu lin to rn Ra n ha th b m u th rn or Rd pe E Du Rd nd Th W as eQ St ue E en sw ay

Br ita nn ia Rd W

Av eW St ee les

26

Baldwin St N

De rry Rd W

Duffs Rd

Park Lawn Cedarbrook T

Royal York Rd

Cochrane

Country Lane

Lake Ridge R

4 Sideline R

Bu rn ha m th or pe Du Rd nd W as St W

Stevenson Rd

Ashburn Rd

25

Taunton Rd WWaterfront Etobicoke

Salem Rd

Lago

9

d

orth Dr d ll R Mi

4 Sideline

Salem Rd

400

Bradford Tecumseth Atwater Condos and Tottenham On The Go

24

Lakeshore Blvd E

East Gwillimbury Further North Waterfront

Adjala 9

Harwood Ave

Mono

a

Stanton Renaissance 10

Westney Rd N

ew

2

Mara

Westney Rd S

400

23

Queensway

Horner Ave Rossland/Winchester

Oro

Finley Ave

windcatcher development corp.

QEW

Kingston Rd

riv

1

89

Dundas St W

Town of Ajax 11

eD

0

Builder

Fifth Conces 12 11 9

Magill Dr

Barrie

21 22

Brawley Rd Bloor St W

Alliston,

Beeton, Site

#

6 Sideline

Greenwood Rd

Hwy 5

Essa

4 Sideline R

Rd

93

Lak

Tosorontio Everett

k

18 MONARCH CORP.

69

400

20

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

Delaney Dr

Montgomery F

D

Shelburne

Squires Beach Rd

Angus

Brock Rd

Sandy Beach

nt

J

Liverpool Rd

u1g0 em ou

Whites Rd

Rd ak rlo Bu

Ro

Vespra 401

Sunnidale Oakville Granite Court 90 Waterfront Lisle

7

Ravenscroft

Sheppard Ave

19

Mississauga Taunton Rd E Waterfront Orillia

Church St S

Glenanna Rd

Appleview Rd

Spruce Hill Rd e Lin

Stroud's

Paddock Rd

Church St N Riverside Dr Notion Rd

27

4

Highview Rd

24 ings K

16 Sideline

Brock Rd sR Oak jor Ma Valley Farm

6

Wasaga Beach

I

69

Rossland Rd

Liverpool Rd

Fairport Rd

No ttin gh ll G Finch iAve ate

18

Columbus Rd

Bracebridge

27

3 Concession

17

Myrtle Rd W Rathburn Rd

6 Concession

Tay

nR Devo

Ke rr St

d

1

400

Brock Rd

Midland d

W QE

R ton

7 Concession

w th ra Rd

4 Concession Dr Ford

Dixie Rd

Altona Rd

25

Whites Rd

Rd

Tr em ai hne R d

Rd

RdRosebank Rd

d eR Lin

Rd Thornbury

Rd

Brock Rd

Rd

e Lin e Lin

6

e Lin

Oakville

Georgian Bay

Br gont e

3 40

8

4 Concession Tr af alg ar

4

f

5 Concession

9

Altona Rd

e

11

7

Rd ian Ind

16

QEW

W QECa

St

15

12 Sidelinee xi Di

W ol fe da le Rd n io at St

d

Pk wy E Hu ro nt ar io

14

8 Concession

Ce nt ra l

City of Mississauga ering Pick

Co l Rid onia ge l D waRdr Whitevale yD r

13

te Dr

16 Sideline

Mi llcr ee kD M r 7issConncession iss au ga Rd

Fie

11 ldga 12

10

le da in Er

c

9

Rd is av M

Rd y North Rd vd h Rd Nort w w Bl ie Pk ill itv ills ch ed 32 M Sidelinehur Cr 32 Sideline in C Er on y st w in Pk W Dr ills d M oo w Rd e en Lin Ed 10

b

3

8 40

9 Concession

ne

1 40

6

20 Sideline

E lvd 7 nB so e h t Ma

5

Rd

4

in Er

A

3

n ke m To

2

24 Sideline

1

d yR

28StSideline rio ta on 30 Sideline

9 Concession

091

condo watch

The HUB

by Empire Communities

416

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

Now open in this key Eg-West location. Get connected, live life on tomorrow’s fast lane.

Web: EmpireTheHub.com

Ten93

by Pemberton Group

Coming soon to Queen West and Dovercourt – an eclectic fusion of fashion, art, culture, creativity and style. Register now.

Web: Ten93QueenWest.com

The Britt

by Lanterra Developments

Condos with European flair coming soon to Bay and Wellesley. Register now.

Web: LanterraDevelopments.com

One Park Place

by The Daniels Corp.

new releases & grand openings 88 Scott

by Concert Real Estate Corp.

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

Web: DanielsOneParkPlace.com

A new release of one-, one-bedroom-plus-den and two-bedroom homes from the 33rd to the 52nd floors.

Web: 88Scott.com

Palazzo at Treviso III

by Lanterra Developments

101 Erskine

by Tridel

Cinema Tower

by The Daniels Corp.

The Epicurean

by Monarch

Coming this fall to Dufferin and Lawrence.

Register now to stay informed.

Web: TrevisoCondos.com

New two-bedroom “2F” corner suites at this popular Yonge and Eglinton location.

Web: Tridel.com/101erskine

previews & registrations

World-class condo in the heart of the Entertainment District. Register now.

Web: CinemaTowerCondos.com

Experience a slice of the finer things in life, now open in The Kingsway.

Web: MonarchGroup.net

Smart House

by Urban Capital/Malibu

The Brownstones5

by Emsatec Canada Inc.

Final phase of stacked towns in Davenport Village now previewing. Call 416.531.7760.

Web: brownstones5.com

The Madison

by Madison Homes

Grand opening of the top floors at this Yonge and Eglinton condo.

Web: MadisonCondos.ca

Minto Longbranch

by Minto

Water Tower

by Empire Communities

The Nest

by Rockport

Love Condominiums

by Gemterra

Intriguing, innovative, smart condos at Queen and University. Register for info.

Web: SmartHouseToronto.com

1 Yorkville

by Bazis/Plaza

Coming soon to Toronto’s lap of luxury.

Register online to stay informed.

Web: 1Yorkville.ca

Harbour Plaza

by Menkes

Register now to connect with Toronto’s ultimate love/work/play address.

Web: Menkes.com

Twenty Lombard

by Great Gulf

Boutique living starts on the 34th floor at Yonge + Rich, with 150 private residences coming soon. Register now.

Web: YongeAndRich.com

Alexandra Park

by Tridel

Urban towns coming soon to the Long Branch neighbourhood. Register for your preview opportunity.

Web: MintoLongbranch.com

Landing soon in Hillcrest Village. Register today to stay informed.

Web: TheNestCondos.com

Harmony Village

by City Core Developments

Imperial Plaza

by Camrost Felcorp

New release of 18th-floor suites, priced from the mid-$300’s.

Web: ImperialCondos.ca

Biyu at Emerald City

by ELAD Canada

Westinghouse Lofts

by Easton’s Group/Remington

Coming this fall, new condominiums at Emerald City, at Sheppard and Don Mills.

Register now to stay informed.

Web: BiyuCondos.com

High Park Condominiums

by The Daniels Corp.

87 Peter

by Menkes

092 new Condo Guide november 16 - 30, 2013

Grand opening continues. Visit the new sales centre and designer-decorated model suite at Sheppard and Birchmount.

Web: LoveCondominiums.com

Live in perfect harmony with comfort, convenience and culture, at Sheppard and Warden. Register today.

Web: HarmonyVillage.ca

Register now for this master-planned community coming to Spadina and Queen.

Web: Tridel.com

Coming soon, where modern urban meets Mother Nature. Register today.

Web: DanielsHighPark.com

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Axiom Condos

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Now open at Adelaide and Ontario St. Suites starting from the $200’s. Visit the presentation centre.

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093

hot topic

Home insurance: Safeguarding your investment

Buying a home is not only exciting, it is also one of the most

Be prepared for additional costs

significant debt obligations most Canadians ever take on, and a key life event that requires a thorough review of your personal financial plan, including your insurance needs.

“Buying a new home comes with many additional expenses, so it’s easy to lose sight of what is critical and what isn’t,” says Tim Bzowey, vice-president, Home and Auto, RBC Insurance. “Many new homeowners may not understand the risk of going without mortgage or home insurance, for example, but we recommend they account for these costs when reviewing their finances.”

When buying a home, it’s important to be aware of the extra expenses associated with your purchase. However, many Canadians may not be sure how much their total costs will be to settle into their new home. Here are some additional costs to consider when purchasing a home:

Mortgage insurance can prevent your family from being burdened by an outstanding mortgage by paying off or reducing your mortgage balance in the event of death or disability

if your down payment is less than 20 per cent of the purchase price. › Home insurance is often required by your mortgage lender and provides protection against loss or damage of your property and its contents and liability claims. › Appraisal fees may be payable if the lending institution requires that your property be appraised. › Legal fees include reviewing the offer, drawing up the title deed, conducting a title search, and preparing and registering the mortgage. › A home inspection could help evaluate any structural and mechanical problems with the property before you purchase. › A property survey may be required to verify the location of the property’s boundaries, measurements and additional structures, and any registered or visible easements or encroachments on the property.

Here are a few tips new homebuyers should keep in mind: ›› Assess your debts

The purchase of a new home should include a full assessment of your insurance needs. Will there be sufficient income to cover loans, credit card balances and mortgage payments if you or your partner becomes ill or disabled? ›› Protect your home

Mortgage insurance can prevent your family from being burdened by an outstanding mortgage by paying off or reducing your mortgage balance in the event of death or disability. ›› Bundle your home and auto insurance policies

Purchasing your home and auto insurance policies from the same insurer may result in additional savings. ›› Update your home insurance policy if you decide to renovate

Home renovations can significantly increase the value of your home, so it’s important to protect that investment and update your policy to reflect its current value. NC 094 new Condo Guide november 16 - 30, 2013

› Mortgage loan insurance is required

For more information about home insurance, please visit online at rbcinsurance.com. NC

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095

Make Your Move

// by Chuck Resnick

TECHNOLOGY ON THE MOVE

L Chuck Resnick is vice-president of marketing and operations, Two Men and a Truck Canada. twomenandatruck.ca

During a move, whether it’s across town or across Canada, it is important to give these items special treatment so they arrive in one piece and in good working order.

et’s face it, your electronic devices make the world go ‘round. Being in the moving business, we realize how important those items are to families.

One of the most common questions we get is how to transport electronics safely, especially big-screen TVs. During a move, whether it’s across town or across Canada, it is important to give these items special treatment so they arrive in one piece and in good working order. The best advice we have for accomplishing this goal requires some forethought: keeping the original boxes and foam spacers the electronic items came in. That is truly the safest method for moving them.

Of course, people rarely keep these boxes, so there are specialty boxes and crates designed specifically to move big-screen TVs safely. People who do their own packing and moving should be aware of how easy it is to damage one of these units. Spending a few dollars extra to purchase or rent one of these special boxes can make all the difference.

Another thing to remember is that most of these television sets are mounted on wall brackets, and moving companies are reluctant to disassemble the wall mounts or assemble them at the other end. Usually, if something is going to go wrong, that’s when it will happen – and again, people rarely keep the installation instructions for the brackets. It’s far too chaotic on moving day to try and find instruction manuals. The best plan when preparing for your move is to take the TVs off the walls yourself ahead of time and have them ready to be packaged properly.

Here’s a tip for anyone disassembling electronics for a move: Get your digital or phone camera and take photos of the wiring connections on the backs of the TVs, cable boxes, DVD players and the like. When it comes time to reassemble them, it will be much easier to reference how they were set up originally, saving time, stress and frustration.

The same goes for stereos and gaming systems. Many teenagers leave their entire gaming systems hooked up until moving day. It’s up to them to disassemble their systems and hopefully place them into their original packaging. If not, the best thing to do is wrap consoles in anti-static bubble wrap and place them into appropriately sized boxes so they won’t move around during the trip. In fact, this is the best way to treat most electronics items. That includes computers – especially desktop units. We have specialty boxes designed specifically for them that can be bought separately. If you choose not to go that route, then surround the unit with anti-static bubble wrap and place it into an appropriately sized box.

And here’s a handy tip: pack the associated hardware with the electronic item. For instance, Place your computer’s mouse, keyboard, power cord, scanner and printer cables into the same box. When these items all arrive together at your new digs, you’ll be very glad you did!

Boutique Boutique condo condo

Party lounge

097

condo profile

One of 2013’s

most successful condos coming to Kennedy and St. Clair East

o

ffering one of the city’s best values, with striking architecture, amenities and suites at prices that are right for first-time buyers and downsizers alike, it’s no wonder that Imagine Condos is winning rave reviews from purchasers.

The industry has called it “one of 2013’s most successful new-condo openings.”

Everything about Imagine Condos reflects urban developer insoho’s passion for design.

“Imagine Condos is a boutique building that takes inspiration from European midrise architecture,” says Ron Herczeg, insoho president. “The building is intimate, with only four storeys, in keeping with the surrounding residential neighbourhood. The design, featuring dark Ontario brick with architectural panels, will make a striking statement. I’m really pleased with the way generously sized terraces and balconies add to the sleek building exterior while offering residents a chance to enjoy spacious outdoor living.”

A team of design professionals working with insoho has collaborated to create a coveted condo living experience, featuring a rooftop terrace with barbecues 098 new Condo Guide november 16 - 30, 2013

and tree-topped views, a party lounge equipped with a fireplace and kitchenette, a fitness centre and a serenely contemporary lobby.

Suite designs are simply stunning. Purchasers have a choice of one-, two- and three-bedroom plans, some with dens and powder rooms. Everything’s been designed, from the nine-ft. ceilings to the open-concept living, dining and kitchen areas so that space flows and natural light washes over it all.

Master bedrooms come with private ensuites and many have walk-in closets. Bistro kitchens come with four stainless steel

appliances. Every living space (except bathrooms and laundry) features laminate flooring. Central air and heating are individually controlled.

Square footage ranges from 482 to 962 sq. ft. with prices ranging from $184,900 to the low $300’s. Maintenance fees are estimated at only $0.37 a sq. ft. Most of the suites include an indoor parking space and a locker, and there’s indoor bicycle parking too. Construction is slated for early 2014. Occupancy will be in fall of 2015.

The sales presentation centre is at Kennedy and St. Clair East. Hours are Monday to Thursday from noon to 6 p.m.; weekends and holidays from 10:30 a.m. to 5:30 p.m.; closed Friday. Visit today to take advantage of the year-end specials of up to $10,000 off selected suites. Visit the website at imaginecondos.com or call 416.367.7303 for more information.

10 reasons to imagine living at Kennedy & St. Clair East

1 2 3 4 5 6 7 8 9 10

Own a condo minutes from downtown, at prices that are 30 to 50 per cent lower.

Own a one-bedroom suite for under $1,000 a month, a two-bedroom for under $1,500 a month.* Low maintenance fees are only $0.37 per sq. ft.

A parking spot and locker comes with each suite.**

Kennedy and Warden subways are within minutes, walk to Scarborough GO. You have easy access to the 401 or Kingston Road.

The world-famous Bluffs with its beach and marina are minutes away.

Great shopping and restaurants are close by.

Stunning suites offer four stainless steel appliances and generous balconies.

Enjoy a lifestyle that includes a fitness room, party lounge and rooftop terrace.

* Payment reflects principal and interest on five-year fixed rate of 3.69 per cent. Rate could change at any time. **Most suites include a parking spot.

november 16 - 30, 2013 new Condo Guide 099

quick tips

// by hellen buttigieg

The impact of stuff the clutter. Even if it’s stuffed in the back of the closet, you know it’s there.

Every item holds a vibrational energy; if you’ve buried sad reminders of disappointments from your past, know that as long as you keep these emotionally toxic things in your space, they are still haunting you. Break free from the past and make space for new opportunities to come into your life. If it’s in storage and bringing you sorrow, now is a great time to let it go.

Out with the old, in with the new!

›› Eliminate your clutter hot spots. We all have certain spots in our Hellen Buttigieg 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. Email Hellen at info@weorganizeu.com

E

verything around you has an impact on you whether you realize it or not. When you create and develop your décor, you are trying to set the tone of the room – give it a certain look and feel. You take time to include pieces you like and enjoy, whether they are part of the design or part of the function of the room. But other pieces make their way into your space, even though they may not belong there or may be there for the wrong reasons. By organizing, de-cluttering and streamlining, you can make sure your environment has the right effect! ›› Is clutter getting you down?

Surrounding ourselves with items that mean something to us brings pleasure. And then there’s all the other stuff. Often when we feel down but can’t figure out why, it could be 100 new Condo Guide november 16 - 30, 2013

homes that have become magnets for clutter, usually because they provide a convenient, empty, flat surface to pile things on. Walk around your home to determine where the clutter hot spots are, then remove the clutter (toss it in a box or laundry basket for now) and put something beautiful in its place, like a vase or a sculpture. If it’s the dining room table, set it as if you were having a dinner party. This will deter you from using it as a drop zone. Walk around your home with the box you tossed everything into and deposit these items where they belong – either in the garbage or recycle box or stored elsewhere.

If they don’t have a proper home, create one.

By organizing, de-cluttering and streamlining, you can make sure your environment has the right effect ›› Detaching from sentimental attachment. Things that have a story

attached to them are often difficult to let go of because of the sentimental attachment. Keep in mind that the item is not the memory; it simply triggers the memory. It may be beneficial to take a picture of the item and put it in a scrapbook or photo album with a short note telling its story. That way, the memory is preserved without taking up as much space. Another option is to pass along the items to a family member who could put them to good use.

›› Daily de-clutter habit. You brush your teeth every day. You shower every day. Why not de-clutter every day too? Make it a habit, just like the examples I gave, and it will become second-nature. Throughout the day, when you pull something out, take a moment to put it back when you are finished with it.

At the end of the day, take a couple of minutes to do a “clean sweep” of your home and put away anything that is out of place. Keep a sticky note somewhere on your way to your bedroom to remind you for the first little while. After doing it for a month, you can take the note down because it will have become a habit – one that will serve you beautifully for the rest of your life. This simple practice can help you cut down on clutter without taking a lot of time and effort.

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pampered pets

// by emily hashemi // photos by kristina rapson

Accommodate inbutsmall sweet Your Pooch style

Emily Hashemi is from Dogfather & Co., a retail boutique and grooming spa offering lifestyle accessories for the urban canine. Located in the heart of downtown Toronto, Dogfather specializes in unique and stylish products of the utmost quality. dogfatherandco.com

S

ettling into a new place is exciting, but also a lot of work. Design and décor consumes your thoughts until suddenly, you realize that you haven’t considered how to include your pet’s belongings into the limited space! Matching your pup’s stuff to your living area and finding the right place to put it is not as complicated as it may seem. With a few tips to keep in mind, any dog owner can achieve their desired look.

Chances are that people living in small spaces have a smallor medium-sized dog. When covering the basics like beds, bowls and belongings, choosing 102 new Condo Guide november 16 - 30, 2013

the right pattern and style to incorporate into your décor is important.

When purchasing dog beds, be sure the size is no bigger than a “medium” (unless your dog is a “large,” of course) or else your risk overcrowding the living area and having an eyesore. You can find high-quality beds that can be custom made using your own fabric, or choose from a range of patterns and colours to complement your furnishings.

Coordinated dog feeders and dishes look great in any modern kitchen.

The most unique and trendy are the ceramic or glass sets, which include two bowls and a place mat. What works especially well in a small living space is a raised bowl feeder. Not only will it help keep the feeding area clean, but it fits nicely into the corner of any kitchen.

Leashes and collars are a must for any dog. It is a good idea to install a hook near the front door to hang the leash. This avoids searching frantically for it before every outing. Another great tip – be sure to invest in a doggy-do bag dispenser that you can attach to the leash. You can buy refills whenever necessary and rest easy knowing you’ll never be caught empty-handed (yikes!).

Remember that smaller scale is better when you’re working within a limited space. If you’re not sure how your dog’s accessories will complement your décor, stick with neutral colours like black, grey or white, which are guaranteed to look stylish and smart in any setting.

Join Dogfather & Co. on Sat., Nov. 30 at 3 p.m. to take part in the Cavalcade of Lights. The event will be hosted in Ramsden Park (across from Rosedale subway station), where Dogfather & Co. will be organizing a doggy fashion show and a contest for best-dressed pooch – winter edition. Doggy lattes included!

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Rendering is artist’s concept only. Prices and specifications are subject to change without notice. E. & O. E. 2013.

in the news

Promising U.S. outlook in 2014

bodes well for Canadian economy actually improving in the short term. From $1 trillion in 2012, the fiscal deficit is set to decline to $750 billion in 2013 and $563 billion in 2014.

The October agreement to reopen the federal government avoided potentially sharp losses in equity markets that could have shaken business and household confidence.

However, the volatility in financial markets could return in 2014 if the poisonous atmosphere in Washington continues over tax increases and entitlement programs.

The U.S. economy was already struggling in 2013, and the federal government shutdown will mean that real gross domestic product will grow by 1.6 per cent at most this year, according to The Conference Board of Canada’s U.S. Outlook – Autumn 2013.

Led by improvement in the housing market and investment spending, real GDP growth is forecast to reach 3.2 per cent in 2014, but both domestic and international risks remain.

“Although the U.S. Congress avoided a default (recently), the agreement is a stop-gap measure that failed to solve the basic differences between Democrats and Republicans over taxes and government spending,” says Kip Beckman, principal economist. “If we go through the same drama in January and February, our projection for stronger growth next year would be in jeopardy.

“Our optimistic outlook for 2014 is also contingent on the ongoing turmoil in the Middle East remaining largely contained, so that oil prices do not spike.”

While recent developments in Washington have focused on the deficit and debt situation, the fiscal outlook for the United States is 104 new Condo Guide november 16 - 30, 2013

Furthermore, the U.S. housing market is recovering, which is good news for Canadian exporters. Housing starts are expected to increase by close to 19 per cent this year and by 26 per cent in 2014.

The higher taxes and lower spending implemented in early 2013 contributed to the weak U.S. economic growth this year.

Real household spending is set to increase by a modest two per cent this year before rebounding and growing by 3.1 per cent in 2014.

Government spending is also expected to make a slight positive contribution to economic growth in the second half of next year.

Furthermore, the U.S. housing market is recovering, which is good news for Canadian exporters. Housing starts are expected to increase by close to 19 per cent this year and by 26 per cent in 2014. Real spending on residential construction is expected to expand by 29.4 per cent in 2014.

3.1% Real household spending in the U.S. is set to increase by 3.1 per cent in 2014.

26% U.S. housing starts are forecast to increase by 26% in 2014.

29.4% Real spending on residential construction in the U.S. is expected to expand by 29.4 per cent in 2014.

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Scrumpdillyicious

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

Molten Chocolate Lava Cake Directions

Preheat oven to 325°F. Grease four ramekins, about three inches diametre and dust with cocoa powder; set aside.

Melt the chocolate in a small pan over medium heat. Once half melted, add butter and continue to heat until the chocolate and butter are completely melted and combined. Set aside for 10 minutes, or until needed.

Warm, silky and devilishly good, Molten Chocolate Lava Cake is the quintessential chocolate lover’s dessert. Best of all, its gooey centre actually does erupt with a luscious molten core of chocolatey goodness. And unlike some other recipes I’ve tried, this one is foolproof! Made with good-quality dark chocolate, butter, eggs, sugar and flour, the mixture is simply poured into individual ramekins, baked about 15 minutes and upturned onto decorative serving plates. A few fresh berries, a light dusting of icing sugar, and your guests will be treated to a lovely warm dessert fresh from the oven. Now that’s love!

this is a very naughty dessert.

ingredients

Using a blender or hand whisk, whip the eggs, egg yolks and sugar in a medium bowl until pale and thickened, then add to the chocolate mixture. Gently fold in the flour with a metal spoon. Divide the mixture between the four ramekins and cook in the oven for 12 to 15 minutes, until the cakes are firm on top. Using oven gloves, remove the ramekins from the oven and turn them out onto serving plates.

Garnish with raspberries and dust with icing sugar. Serve immediately.

Serves 4

› 4 tsp cocoa powder › 4 oz. good-quality dark chocolate, broken into pieces › 4 oz. unsalted butter (1 stick)

› 2 large eggs › 2 large egg yolks › 4 ½ oz. caster sugar › 4 oz. plain or pastry flour, sifted

106 new Condo Guide november 16 - 30, 2013

› Icing sugar, to dust › Raspberries, for garnish

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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Designer Advice

Suite

style // by Yanic Simard // photos courtesy of le germain

They say the best hotels should feel like a home away from home. This was

especially true when I recently stayed at Montreal’s boutique hotel Le Germain. I may live in Toronto now, but having been born and raised in Quebec, I really was at my home-away-from-home! After a quick Porter flight between cities, during which I always enjoy the refined retro flair of the attendants – and the complimentary glass of wine – I was back in my old town.

There are many décor suggestions to be drawn from the way hotel design makes a place you’ve never visited before feel like a second home you never want to leave.

Here’s my guide to achieving that chic hotel style at home, inspired by the most memorable details Le Germain Montreal.

Welcome home Like many downtown hotels, Le Germain Montreal does not waste space on a vast lobby, november 16 - 30, 2013 new Condo Guide 109

but in this case the space reads as inviting rather than compact.

The deep espresso woods, character-full cement walls, moody artwork and rich carpeting create an entryway that makes you eel cocooned and taken care of – a feeling often missing in highrise condo living. When floor-to-ceiling windows leave you overexposed, look to deeper colours and heavy materials to add intimacy.

Dropping the ceiling over the reception desk gives a home for additional task lighting (a mix of pot lights and pendants) and adds to that feeling of intimacy. Using multiple light sources is key to creating an inviting space. Layering light avoids harsh shadows that detract from your décor, and better simulates the natural sun, so you should always include at least three types of fixtures.

TIP While many condo units have an impenetrable cement ceiling, dropped panels give you a workable space to install lighting overhead – floor and table lamps are important but they can’t always do all the work!

While modern furniture is trending toward compact living (two seater sofas and tiny tables built for condo-sized living) take a cue from Le Germain’s lobby and the power of full-sized, luxe furnishings. Even if you can fit one less chair in your small space, you’ll find much more satisfaction in embracing pieces you love (and love to use) rather than cramming in clutter.

110 new Condo Guide november 16 - 30, 2013

Wood you stay awhile?

For a warm but streamlined look, the hotel uses a singular wood finish for nearly all built-in furnishings, from closet doors to modern low headboards. Built-ins, rather than individual furniture pieces, create a look of permanence that speaks to a well thought-out, completely custom design.

TIP If you can’t use the same wood across the board, opt for intentional contrast with lighter or darker tones, or a different material altogether, like glass or metal.

Le Germain’s apartment suite uses a large unit of open shelves (in a mid-toned wood to break up the other espresso built-ins) to house media of all kinds – the TV, books and magazines, hidden storage and accessories. This gives you a functional home for the television and all its equipment, without making it the centre of attention the way a traditional “media unit” would. Get shelves like these as high as possible, to get a built-in look even from build-it-yourself furniture kits.

In-window shades are a returning trend, and provide a cleaner aesthetic than fabric, appropriate to hip condo spaces (while the natural wood still adds a similar feeling of warmth).

Rather than hanging curtains, Le Germain dresses most suite windows with sleek wood shutters, completing a personal cabin look reminiscent of luxury transportation. In-window shades are a returning trend, and provide a cleaner aesthetic than fabric, appropriate to hip condo spaces (while the natural wood still adds a similar feeling of warmth). For the best of both worlds, layer shutters and sheers for the option of blocking or filtering light on a whim.

Take a breath Like many fine hotels, Le Germain applies white effectively to break up the wood and create a clean look that communicates freshness and serenity. When you already have character in the furnishings, the walls don’t need to be busy, so a

pure white (I recommend Benjamin Moore’s OC-65 Chantilly Lace) will visually open the space while letting other details command attention.

Investing in simple white bedding is one of the fastest ways to freshen up a room. For character, Le Germain adds petite pillows in pop colours, like bright blue or saturated pink – a detail which can easily be swapped out later if your mood changes.

To keep the sight lines as open as possible, windows are often included between the ensuite and bedroom, coupled with shutters for privacy when needed. Connecting these spaces makes a private bedroom feel almost twice as large – completely practical at home as long as you have a second bathroom for guests!

TIP Because the rich woods already bring the bathroom plenty of character, most of the tile work is kept a simple white palette. Using large-scale tiles (12 by 12 or even 24 by 24 inches) with minimal grout lets the floor visually blend into one clean plane for the longest possible look.

Yanic Simard is the principal designer of the Toronto Interior Design Group. Specializing in residential and commercial projects, Yanic often applies his signature high/low and old/new combination design techniques in developing unique interiors. Simard has created designs for clients in Toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytv’s CityLine. For more information visit tidg.ca

november 16 - 30, 2013 new Condo Guide 111

condo watch

previews & registrations SkyCity2

by Pemberton Group

Phase 1 is under construction at Yonge and Hwy. 7. Register now for Phase 2.

Web: SkyCityCondos.com

Marquee Townhomes at Pinnacle Uptown

by Pinnacle International

Limited collection of 100 townhomes coming soon to Hurontario and Eglinton. Register now.

Web: PinnacleUptown.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 Lydia.McNutt@wall2wallmedia.com

Legacy Park

by Liberty Development

Now selling, the grand finale at Thornhill City Centre – iconic architecture, urban suite designs and fabulous park views.

Web: LegacyParkCondos.com

Daniels Erin Mills

by The Daniels Corp.

New landmark community coming soon to Erin Mills and Eglinton. Register to stay informed.

Web: DanielsErinMills.com

Centro Square

by Liberty Development

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 park-side condominium in Brampton.

Web: TheClairingtonCondos.com

Courtyards of Maple

by Marino/Intercity/TriAxis

HOT Condominiums

by Great Gulf

Phase 3 now available, offering boutiquestyle living in Erin Mills.

Web: HotCondominiums.com

The Mark

by Empire Communities

Now open at Markham Road and Bur Oak. Remarkable residences. Remarkable Markham.

Web: TheMarkCondos.ca

Allegra

by Nova Trimax

European-inspired condos coming soon to Maple. Register now to stay informed.

Web: CourtyardsOfMaple.com

Affordable luxury, steps from the Village of Woodbridge. Construction now underway on Phase 1.

Web: AllegraCondos.com

Fairground Lofts

by Wycliffe Homes

Garden Court Condos

by Monarch

Park City Condominiums

By Tobyn Park Homes

PSV2 & Parkside Village Townhomes

by Amacon Developments

Rain Condominiums

by Empire Communities

Upper Village Markham

by Greenpark

Urban lofts are coming to Woodbridge Village.

Register now for preview.

Web: FairgroundLofts.ca

Currently in pre-construction at Walkers Line and Upper Middle Road in Burlington.

Register now.

Web: ParkCityLiving.ca

New suite release at Rain Condominiums in Oakville. Register now.

Web: RainCondos.com

112 new Condo Guide november 16 - 30, 2013

new releases & grand openings

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

Offering the convenience of downtown living with the tranquility of a suburban context.

Now open.

Web: LifeAtParkside.com

North Tower now selling at UV2 in Markham.

South Tower is sold and occupied Web: uv2.ca

GTA Edition November 16 - 30, 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

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* Due to scale restrictions, locators are approximate.

Please see builder’s ads for exact locations.

Bolton

W al

23

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21 22

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Sid er

2

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Site

2

Great Gulf Homes

Telephone

TH* C*

Price Range

Page

Finder

Twenty Lombard

416-499-8883

•

$,000

17

16K

Clairington

905-793-0002

•

from $200,000

127

16E

HOT

905-828-4257

•

from $274,000

22

16M

17 Pemberton Group

Downtown Erin Mills Condominiums

905-630-6300

•

from $320,000

9

6C

45 Empire Communities

Rain Condominiums

905-845-7246

•

from $200,000

6

17Q

3 Castleridge Homes

7

Great Gulf Homes

4

Conservatory Group

Mirage

905-232-2400

•

from $270,000

20K

5

AMACON

PSV2

905-273-9333

•

$,000

18M

8

Fernbrook Homes

Absolute World

416-869-6057

•

from $188,000

21k

8

Cityzen

Absolute World

416-869-6057

from $188,000

21K

10 AMACON

The Residences at Parkside Village

905-273-9333

•

from $250,000

21K

12 Alterra Homes

Renaissance in Olde Brampton

416-710-1010

•

from $295,000

13d

14 Pemberton Group

Rosedale Village Golf & Country Club

905-799-5000

•

from $346,000

12e

16 Vandyk Communities

Windows on the Green

905-822-3333

from $300,000

17M

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

7Q

Park Place

905-451-7001

•

from $310,000

14G

30 Pinnacle International

Pinnacle Grand Park 2

905-276-3981

•

from $250,000

20L

32 Armour Heights Developments

River’s Edge

905-533-2400

•

from $285,000

14A

34 Pinnacle International

Pinnacle Uptown, Crystal 2

905-568-9000

•

from $255,000

19K

35 Ashley Oaks Group

Emporium at Joshua Creek

905-618-0660

•

from $200,000

17P

38 Tridel Corporation

Metrogate - Ventus 2

416-293-5535

•

•

from $302,000

19J

38 Tridel Corporation

Ventus at Metrogate

416-293-5535

•

•

$344,000

19J

46 Mattamy Homes

The Mount Pleasant Village

mattamyhomes.com

•

from $200,000

20M

47 The Daniels Corporation

Daniels Erin Mills

905-306-6996

•

from $200,000

17M

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

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

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

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

#

115

1

A

2

3

4

5

6

7

8

9

10

11

12

13

14

15

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

16

17

18

19

20

East

Legacy Park

905-731-8302

Sky City

905-709-5700

32 Liberty Development Corp.

Royal Gardens

31 Pemberton Group

12

7 407

Markham

ion R

•

Town of Markham

11 Concess

TH* C*

10 Concess ion R

Telephone

905-731-8302

9 Line

2

Hwy. 48 le Dr

Rd

6

Raymervil

13 Liberty Development Corp.

n

14 Ave

Main St S

Legacy Park

34

de

Al

McCowan Rd

Hwy. 27

To wn of O sh awa

28

2

Bullock Dr Hwy 7

Aldergrove Dr

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

26

Key Maps

Major Mackenzie

15

407

404

Site

Kennedy Rd

116

Builder

13 Liberty Development Corp.

Warden Av e

e

Steeles Ave E

St

45

7 14

404

John

18 Ave

16 Ave Carlton Rd

Ave

e

Clark Ave W

8

Cachet Pkwy Woodbin e

Centre St

40

24 1 13

Steeles Ave W

#

Leslie St

407

16th Ave.

32

Thornhill Henderson Av

7

Elgin Mills Rd

Leslie St

Langstaff Rd

31 Yonge St

7

43 10

23

4

rn Ave

e Av

400

22

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Weldrick Rd W

Rutherford Rd

404

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41 26

25

401

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Major MacKenzie

Richmond Hill Denham Dr

ng Isli

50

t nce S Clare Kipling Av

f Rd Langstaff

Bayview Ave

20

Elgin Mills Rd Neal Dr

n

29

e

St

25

Regent St Mill St

Maple

19th Ave.

Yorkland

Huntingto

11

Major Mackenzie

401

Gamble Rd

Bathurst St

d

Dufferin St

y Cr

Teston Rd

Nashville Rd

400

Jefferson Sideroad

Keele St

Kirby Rd

Jane St

Rd

Pine Valle

c

24

401

Weston Rd

Cold Cree k

12 Line Rd

King-Vaughan Rd

To wn of Ajax

City of Pickerin g

Yonge St

King Rd

23

To wn of W hitby

Bloomington Sideroad

b

21 22

Denison St

Price Range

Page

Finder

from $280,000

49

10g

•

from $280,000

49

10g

•

from $320,000

10

12F

905-889-9997

•

from $279,000

Insert

14f

43 Guizzetti Developments

Grand Palace

905-907-4370

•

from $295,000

121

12E

44 Liberty Development Corp.

Centro Square Condos 2

905-851-8877

•

from $278,000

Insert

4G

46 Empire Communities

The Mark

905-554-5015

•

from $250,000

6

21E

•

16D

1

Monarch Corporation

Garden Court

416-495-3595

2

Flato Development

Arthouse

905-554-8722

from $200,000

22E

4

Tridel Corporation

Renaissance of Richmond Hill

416-736-9500

•

from $740,000

12G

7

MintoUrban Communities Inc.

WaterGarden

416-915-3800

•

from $254,000

11G

10 Great Lands Corp.

The Beverly Hills Resort Residences

905-882-6636

from $250,000

13F

11 Triaxis Development Inc/Marino Developments

Courtyards of Maple

416-798-7070

•

from $390,000

8E

12 Greenpark Homes

UV2

905-554-6501

•

from $253,000

22F

14 Remington Group

The Signature Condominium

905-948-9900

•

from $250,000

18F

20 Solmar Development Corp

Bellaria Residences

905-417-8482

•

from $240,000

7e

22 Quadra Mgt. & Sceptre Devs.

Renaissance Court at Woodbridge Gates

905-851-4220

•

from $505,000

3G

22 Wycliffe Homes

Fairground Lofts

905-605-5900

•

from $340,000

3G

24 Liberty Development Corp.

The Fountains

905-731-8302

•

from $272,000

10F

26 Rice Development

Ambria

905-796-3630

•

from $340,000

3F

28 Chestnut Hill Homes

San Francisco by the Bay

905-831-3631

•

from $200,000

22C

31 Pemberton Group

Miracle at Yonge

905-709-5700

•

from $280,000

12F

31 Pemberton Group

Sky City 2

905-709-5700

•

from $320,000

12F

32 Signature Communities

TAO Boutique Condos

905-597-2535

•

from $200,000

14F

34 Sierra Homes

68 Main Street

905-305-0822

•

from $250,000

22F

40 Nova Trimax

Allegra

905-850-6866

•

from $250,000

1F

Vista Parc Condominiums

905-850-8883

•

from $260,000

3F

The 6th Angus Glen

905-887-9950

•

19E

41 Quadcam Development Group Inc 45 Kylemore Communities *TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

•

•

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

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

PINNACLE INTERNATIONAL.CA VANCOUVER . SAN DIEGO . TORONTO .

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

NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 117

condo profile

SKYCITY2 CONDOMINIUMS Register now for some of Richmond Hill’s best value!

s

kyCity Condominiums, the first building in Pemberton Group’s exciting masterplanned community, is under construction near Yonge Street and Hwy. 7 in Richmond Hill.

Condominium buyers looking for some of the city’s best value should look no further than SkyCity2, the second 20-storey tower in this popular and centrally located GTA neighbourhood.

118 new Condo Guide november 16 - 30, 2013

Situated in the established Richmond Hill City Centre, Pemberton’s bold new vision for urban living is taking shape. SkyCity residents will appreciate the convenience of walking to York Region Transit, having the ability to quickly access the GO train to Union station, and GO bus service. From SkyCity it is a short drive to Hwys. 404 and 407, and there are many shopping, dining and entertainment venues along the Yonge Street/Hwy. 7 corridor.

SkyCity’s two contemporary towers are designed by acclaimed architects Graziani + Corazza, with interiors and amenities by multi-award-winning designers

pictured on opposite page

SkyGarden has arbours, a fireplace, lounge-style seating, barbecue stations and alfresco dining alcoves

pictured above

The large, luxurious indoor swimming pool is part of the community’s 17,000 sq. ft. of amenities

UNION31. The surrounding attractive landscaping, extensive walkways and inviting courtyards complement each tower, which will have its own stylish lobby and 24-hour concierge service. At the base of the buildings, a three-storey podium will house the community’s next-generation amenities in a spectacular 17,000-sq.-ft. two-storey space. These include the beautifully landscaped SkyGarden with arbours, a fireplace, lounge-style seating, barbecue stations and alfresco dining alcoves. Residents will also enjoy two video gaming rooms, a multi-media theatre, party room with bar, dining room and meeting room/library. In addition, there will be an exercise room, yoga/Pilates studio, large luxurious indoor swimming pool, change rooms with steam showers, a lounge with a double-sided fireplace, and two furnished guest suites.

Each of the SkyCity2 suites will be appointed with Pemberton’s renowned attention to detail and high-quality features and finishes.

Among them (all as per plan) are modern laminate flooring throughout, large windows, and nine-ft. ceilings in the principal rooms. Kitchens feature extended 40-in. upper cabinets with undervalance lighting; stainless steel appliances (counter-depth fridge, self-clean slide-in range with glass

SkyCity2 will offer many of the suites that proved so popular in the first building, and will be available in sizes from 640 to 1,080 sq. ft., priced from the low $300’s. top, combination microwave and range hood, and dishwasher); Caesarstone or granite countertops; and a glass or marble mosaic backsplash. Bathrooms have contemporary cabinets and glass or marble mosaic accent tile for the bath/shower. Suites include individual, seasonally controlled heating and air conditioning, and stacked washer and dryer.

SkyCity2 will offer many of the suites that proved so popular in the first building, and will be available in sizes from 640 to 1,080 sq. ft., priced from the low $300’s. Tentative occupancy is slated for fall 2015.

Prices include one underground parking space and a locker, plus a free Rogers package for six months.

With over 50 years experience in creating successful residential and commercial developments, Pemberton Group has earned a reputation for building outstanding communities across the Greater Toronto Area.

The SkyCity presentation centre and furnished kitchen/living room vignettes are on Red Maple Road, at Yonge and Hwy. 7. Register today at SkyCityCondos.com or call 905.709.5700. Visit the website for actual view photography and a virtual suite tour. For an overview of Pemberton’s many fine communities, visit PembertonGroup.com.

You can also follow Pemberton on Facebook and Twitter. november 16 - 30, 2013 new Condo Guide 119

in the news

RBC Debt Poll shows Canadians paying off debt the old-fashioned way:

spending less Debt levels are on the rise across Canada,

as the number of Canadians who report being debt-free has decreased. Fewer than onequarter (24 per cent) of Canadians are now debt free, down from 26 per cent in 2012, according to the third annual RBC Debt Poll.

Canadians are focusing on financial fitness with a year-round emphasis on spending less and saving more.

As the number of people carrying debt has increased, the average personal debt (nonmortgage) reached $15,920 in 2013 (up from $13,141 in 2012). Anxiety around debt is still a reality for many, as nearly four in 10 (38 per cent) Canadians are anxious about their debt levels, up from 34 per cent in 2012, but the same number of Canadians (38 per cent) are comfortable with their debt. According to the poll, in an effort to practice financial fitness and reduce personal debt, Canadians have gone back to basics – reining in spending by putting off big-ticket purchases, including vacations and vehicles.

Canadians are reining in spending by putting off bigticket purchases, including vacations and vehicles “Despite the rising debt figure, there is a noticeable trend to responsible debt behaviour over the past year,” says Kim Taylor, director of personal lending at RBC. “We are also seeing that others need to take a step back to better manage the debt they are carrying. Before you start on any new routine, it is always best to set goals and have a plan in place. Marathon training often begins with a five-kilometre race, and a financial plan with a path to debt repayment is key to your financial fitness success.”

120 new Condo Guide november 16 - 30, 2013

24% The number of Canadians who are now debt-free, down from 26 per cent in 2012.

38% The number of Canadians who are anxious about their debt levels, up from 34 per cent in 2012. Also the number of Canadians who are comfortable with their debt.

35% Debt levels increased 35 per cent in western Canada, compared with a 10-per-cent rise in eastern provinces.

The RBC Debt Poll found that there was a great divide between western and eastern Canada, with debt levels increasing a staggering 35 per cent in the west compared to 10 per cent in the east since 2012. Alberta, faced with regional floods earlier this year, showed a significant increase in debt load, rising 63 per cent from 2012. Despite the higher percentage of debt in the west, residents of eastern Canada (41 per cent) are more anxious than their western neighbours (34 per cent) about their debt levels.

“Regardless of where you live, it remains clear that Canadians on the whole can benefit from understanding the true cost of debt and responsible borrowing practices,” says Taylor.

“If you’re uncertain about debt, talk to a professional and build a road map on how to get to where you need to be. Knowledge is power, and a planner can help provide you with the tools you need to move forward.”

Taylor offers the following tips on getting financially fit:

›› Get to know your debt: credit cards, loans, lines of credit – how much do you owe?

›› Online calculators such as the Debt

Reduction Plan are available for you to get a better picture of your exact debt figure. ›› Schedule an appointment to speak with an financial adviser. ›› Look at your options: what do you think makes the most sense for you to manage debt? ›› Ask yourself: What are you most comfortable with and what is the best way for you to pay off your debt? A consolidation calculator can help you determine what’s best for you. ›› Make a plan to reduce your debt and stick to it. Like any fitness plan, this is no different: you need to stick to it to see results.

NO

WU

Escape to our

ND

ER

CO

NS

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.

WINTER GARDEN LOBBY | 24-HOUR CONCIERGE | SPA / FITNESS STUDIO | YOGA STUDIO | SAUNA | POOL PARTY ROOM / CONFERENCE ROOM | GUEST SUITE | SUNBATHING TERRACE | RETAIL SHOPS

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.

121

ON

Homebuyers’ Help

Top 5 home-buying and selling

mistakes

For most people, a home is one of the most important and

3

highest value investments they will make, and potentially the most challenging when it comes to buying and selling.

The Real Estate Council of Ontario (RECO) offers these five home buying and selling mistakes that can lead to an unsatisfying experience or even serious complications.

“RECO is responsible for protecting homebuyers and sellers. We’ve seen too many Ontarians encounter these pitfalls,” says RECO’s registrar Joseph Richer. “Being mindful of these considerations can help the buying and selling process go a lot smoother.”

4

The most important advice is to work with a registered real estate professional

5

Here are the most common buying and selling mistakes, and how to avoid them:

1

Allowing emotions to overtake common sense

When you fall in love with a property it can be hard to walk away. Know your budget and don’t overpay.

2

Failing to read and understand forms and contracts

It can be tempting to speed the process along by signing forms that you haven’t read. But taking the time to understand what you’re signing can avoid a lot of problems later on. For example, you don’t want to learn, only too late, that you’re on the hook for a six-month listing agreement to sell your home if you only want your house on the market for three months. In addition, a holdover clause could mean that if you sell your property during a specified period without the assistance of the broker or salesperson, you would still owe them commission. Make sure all the blanks on the form are filled in before you sign it, and make sure you get a copy of whatever you sign.

122 new Condo Guide november 16 - 30, 2013

Not doing your research

A little Internet research can go a long way, both in the home buying and selling scenarios.

Making verbal agreements Verbal agreements aren’t a problem, until they’re a problem.

Putting everything in writing forces both parties to be clear about their expectations and provides a record that can prevent disputes later on.

Underestimating closing costs From land transfer taxes to title insurance, legal fees and moving expenses, the costs of a real estate transaction can add up quickly.

Take the time to include estimates and other expenses in the full cost of buying or selling a property.

While all of these tips are essential, the most important advice is to work with a registered real estate professional.

“Registered brokers and salespersons provide a great deal of knowledge and expertise about the buying and selling process, along with specific knowledge about neighbourhoods and local issues,” says Richer. “They can also provide crucial help in avoiding these hazards.”

UPTOWNES AT CARDINAL POINT DELIVER

E@D?G>5C

THE CONDO LIFESTYLE AT AN UNBEATABLE PRICE

1D 3 1 B 4 9 > 1 < @ ? 9 > D

DOWNTOWN COMES UPTOWN WITH AN EXCITING NEW TWIST

Enjoy the carefree condo-lifestyle for thousands below city prices at Cardinal Point – Geranium’s Master Planned Ravine Community in Stouffville. Within walking distance of GO Transit, theatre, parks, art centre, shopping, dining and more, Uptownes has everything you love just steps from your door.

LOFT INSPIRED CONDO-TOWNS

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905-640-9999

geraniumhomes.com

SALES CENTRE

Main St

#" - - " / 5 3 " & 4 50 6 ' ' 7 * - - & 1 0 35 ) 0 1 & 80 0 % 4 50 $ , Prices are correct at press time and are subject to change without notice. Specic features are as per plan and series. Sq.ft. measurements are approximate.

Map not to scale. See sales rep for details. The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E & O E.

9th Line

SITE LOCATION

Millard St Bakerhill Blv

Central Air Conditioning

Mon to Wed: 1 – 7pm Wknds & Hol: 11am – 6pm

404

Parking For Two Cars Ground Floor In-Floor Heating

John Davis Gate

Hwy 48

Fabulous Ground Floor Flex Space

Stouffville

homebuyersâ&#x20AC;&#x2122; help

Condo hunterâ&#x20AC;&#x2122;s checklist

When shopping for your dream condo, carry this list with you and take notes to help you remember what you saw, and where! condo #1

condo #2

condo #3

condo #4

Project & address:

Project & address:

Project & address:

Project & address:

Salesperson:

Salesperson:

Salesperson:

Salesperson:

Phone:

Phone:

Phone:

Phone:

Developer/builder:

Developer/builder:

Developer/builder:

Developer/builder:

Type:

Type:

Type:

Type:

2-storey highrise bungalow

detached conversion townhome

2-storey highrise bungalow

detached conversion townhome

2-storey highrise bungalow

detached conversion townhome

2-storey highrise bungalow

detached conversion townhome

Sq. Footage:

Sq. Footage:

Sq. Footage:

Sq. Footage:

# of bedrooms:

# of bedrooms:

# of bedrooms:

# of bedrooms:

# of bathrooms:

# of bathrooms:

# of bathrooms:

# of bathrooms:

Interior appliances:

Interior appliances:

Interior appliances:

Interior appliances:

Options:

Options:

Options:

Options:

Parking facilities:

Parking facilities:

Parking facilities:

Parking facilities:

Special incentives:

Special incentives:

Special incentives:

Special incentives:

Price:

Price:

Price:

Price:

Down payment:

Down payment:

Down payment:

Down payment:

Condo fees:

Condo fees:

Condo fees:

Condo fees:

Financing available:

Financing available:

Financing available:

Financing available:

Other comments:

Other comments:

Other comments:

Other comments:

124 new Condo Guide november 16 - 30, 2013

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Prices and specifications subject to change without notice.

Windcatcher Development Corporation Marketing & Sales: Winick Realty Corp., Brokerage NOVEMBER 16 - 30, 2013 NEW CONDO GUIDE 125

ONE YEARLIP TS FREE BOAAGE & STOR $5,000 APPROX. U L VA E*

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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. 126

Model Suite Compliments of Great Gulf www.greatgulf.com

This stunning model suite boasts 717 sq. ft. of inspired living at Great Gulf’s Monde, located at Queens Quay and Sherbourne.

NOVEMBER2013 GREAT GULF HAS BEEN FEATURED AS “MODEL SUITE OF THE MONTH” IN THE NEW CONDO GUIDE MODEL SUITE CALENDAR

homebuyersâ&#x20AC;&#x2122; help

condo buyersâ&#x20AC;&#x2122;

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

november 16 - 30, 2013 new Condo Guide 129

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.

130 new Condo Guide november 16 - 30, 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 november 16 - 30, 2013 new Condo Guide 131

ONTARIO’S MOST-READ NEW HOMES GROUP WE ARE THE LARGEST MAGAZINE DISTRIBUTION SYSTEM IN ONTARIO. Move in Ready – New Homes!

November 9 - 23, 2013 Volume 21 Issue 21

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Port Elgin, ON

TWO-STOREY TOWNHOMES • 1,227 SQ. FT. • 3 Bedrooms • 1.5 Bathrooms

• 2,056 SQ. FT. • 3 & 2 Bedrooms + den • 2.5 Bathrooms

Artist’s Concept.

219,715

$

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469,500

$

Eastern Ontario Edition

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• 592 SQ. FT. • 1 Bedroom • 1 Bathroom Artist’s Concept.

• 1,723 SQ. FT. • 2 Bedrooms • 2.5 Bathrooms

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in the Enclave at Trails Edge

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LUXURY APARTMENT CONDO

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• 1,152 SQ. FT. • 2 Bedrooms • 1 Bathroom

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Get more life...

Oct 26 - Nov 9, 2013 Volume 16 Issue 19

November 2 - 16, 2013 Volume 13 Issue 20

Thornbury, ON

THE COTTAGES

289,900

$

Owen Sound, ON • 2,043 SQ. FT. • 3 Bedrooms • 3 Bathrooms

BUNGALOW • 2,777 SQ. FT. • 1 Bedroom + den • 2.5 Bathroooms

Artist’s Concept.

SmartHouseToronto.com

424,900

$

Artist’s Concept.

at trailsedge

774,900

$

*Prices and specifications subject to change without notice. E.&.O.E. © October, 2013.

See page 32 for our cover story

GROWING THE GTA

TO SATISFY YOUR NEEDS

TIPS TO HELP YOU BUY YOUR FIRST HOME

INSIDE THIS ISSUE

CITY CONFERS FOCUS: HAMILTON 2013 DOWNSIZING TIPS AND ADVICE ANDFOR OHBA STILL OF HUMMING DISTINCTION ALONG SELECTING LIVING GREEN A BUILDER AWARDS

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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 2.7

6.30op

2.94 6.30op

2.89 3.19 3.59 6.50op

3.79

Alterna Svgs/Alterna Bk 3

4 6.30op

3.14 3.14 3.19 3.59 6.30op

3.69

Bank of Montreal 3

4 6.30op

3.14 3.14 3.95 4.74 6.30op

3.79

Bank of Nova Scotia 2.7

4.55 6.45op

3.75 3.89 2.89 4.39 6.50op

3.59

Canadian Western Bank

4 6.45op

3.14 3.14 3.95 4.54 6.30op

5.34

CIBC 3

6.70op

3.09 3.14 3.19 3.59 6.35op

3.89

HSBC Bank Canada 3

2.7 3.95 3.13 4.99 6.35op

3.69

3.05

3.15

3.65

3.64

3.69

3.89

3

3.19

3.24

3.59

3.69

ICICI Bank Canada ING Direct

4.45 6.20op

Manulife Bank 2.8 4.45

4.09

3 3.25 3.4 3.5 4.00op

3.79

MonCana Bank

3.69

3.79

3.69

National Bank n/a

3.14 3.14 3.95 4.74 6.70op

5.34

President’s Choice Financial

4.4 6.70op

3

Royal Bank 3

4 6.30op

TD Canada Trust 3

3.75

3.24

3.79

3.69

4.09

3.14 3.14 3.85 3.49 6.30op

3.59

3.79

3.09 6.30op

3.14

3.95

4.74

3.79

3.25

3.95

4.74

TRUST COMPANIES 6.5

3.14

Effort Trust n/a

Community Trust

n/a

4.45 6.30op

3.25 3.6 3.95 4.7 6.30op

4.95

Home Trust Company

2.65

2.89

3.95

2.89

3.39

3.69

Investors Group Trust n/a

4.2 6.50op

3.14 3.14 3.95 4.69 6.30op

5.34

MTCC 2.7

4.55 6.45op

3.75 6.50op

4.39

3.59

Airline Financial C.U. 4

3.01 3.1 3.33 3.65 6.25op

3.99

Comtech Credit Union 2.95

6.2 6.40op

2.99 3.25 3.29 3.24 6.30op

3.59

First National Fin. LP

3.95

2.99

3.89

3.09

5.34

2.89

OTHER FINANCIAL INSTITUTIONS

3.39

3.69

FirstOntario C.U. 2.7

6.34op

3.09 3.14 3.44 3.49 6.34op

3.69

London Life n/a

3.14 3.14 3.95 4.74 6.30op

5.34

Luminus Financial 2.95

3.05 3.95

3.65

4.05

MCAP 2.85

3.6 3.95 4.35 4.89 7.00op

5.14

Meridian Credit Union 2.75 4

3.09 3.14 3.65 3.49 6.30op

3.59

4.2 6.50op

2.79

3.1

3.09

3.55

Parama Credit Union

2.85

2.9

2.69

3.2

3.45

3.55

Steinbach Credit Union

2.5

2.5

2.7

2.9

3.05

3.25

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 Nov. 4, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

november 16 - 30, 2013 new Condo Guide 133

index of advertisers Aspen Ridge Homes - Studio on Richmond Augustine Group - Port Place Condos Baywood Homes - TEN93 Queen West

57 126 8

Bazis Inc. - E Condos

19

Bazis Inc. - Exhibit

11

Bazis Inc. - One Yorkville

5

Brandy Lane Homes - The Station

63

Camrost - Felcorp - Imperial Plaza

3

Camrost - Felcorp - Yorkville Plaza

1

Canalfa Group - Liberty Central by the Lake

69

Canpages - Promo

107

Castleridge Homes - Clairington

127

Chinese Home & Condo Guide - Promo

46

City Core - Harmony Village Sheppard

79

Cityplace - Newton

34-35

Cresford Development Corp. - CASA III

135

Cresford Development Corp. - Corporate

IBC

Cresford Development Corp. - Merton Yonge Condominiums

136

Dundee Kilmer Developments - Canary District Condominiums

81

Eastonâ&#x20AC;&#x2122;s Group - King Blue Condominiums

77

Eden Shaw - Chaz Yorkville Condos

41

ELAD Canada - Biyu Emerald City

59

Liberty Development Corp. - Centro Square Condos 2 Liberty Development Corp. - Legacy Park

Insert

Liberty Development Corp. - Terrace on Danforth

Insert

Liberty Development Corp. - World on Yonge

Insert

Lifetime Developments - The Inventory Boutique

103

Luxury Condo & Hotel Residences - Promo

108

Malibu Investments Inc. - Smart House

47

Menkes Developments Inc. - Corporate

Insert

Menkes Developments Inc. - Harbour Plaza

Insert

Menkes Developments Inc. - One Sherway Condominiums

26

Metropia - Exhibit

11

MintoUrban Communities Inc. - 30 Roe

45

MintoUrban Communities Inc. - LongBranch

43

Monarch Corporation - Corporate

Insert

Monarch Corporation - Lago

Insert

Monarch Corporation - The Epicurean

Insert

Pemberton Group - Downtown Erin Mills Condominiums

Empire Communities - The HUB

7

Pemberton Group - Sky City

Empire Communities - The Mark

6

Pemberton Group - TEN93 Queen West

Empire Communities - Water Tower at Eau Du Soleil

6

Fieldgate Homes - 90 Niagara Freed - 155 REDPATH Gemterra - Love Condos

10 8 117

Pinnacle International - The Pinnacle on Adelaide

93

Plaza - Exhibit

11

75

Plaza Premium Lounge - Promo

64

67

Queenscorp Residences - Watermark

95

Rockport Group - The Nest

53

Solotex - Upper Beach Townes

84

65 38-39

123

Geranium Homes - Uptownes at Cardinal Point

123

Great Gulf Homes - Model Suite of the Month

Pinnacle International - The Marquee Townhomes on thePark

9

132

Geranium Homes - Cardinal Point

Great Gulf Homes - HOT

31

Lindvest - The Brownstones at Westown

6

Fernbrook Homes/Cityzen Dev. - Garrison Point

49

Liberty Development Corp. - Royal Gardens

Empire Communities - Rain Condominiums

Family of magazines - Promo

Insert

22 128

Great Gulf Homes - Monde

18

Great Gulf Homes - One Sherway Condominiums

26

Great Gulf Homes - Twenty Lombard

17

Stanton Renaissance - On The Go

105

The Daniels Corporation - Cinema Tower Condominiums

29

The Daniels Corporation - High Park Condominiums

27

The Daniels Corporation - NY2

37

The Daniels Corporation - One Park Place South

15

Guizzetti Developments - Grand Palace

121

Insoho Developments - Imagine Condos

97

Lamb Development Corp. - King Charlotte

73

Tower Hill Development Corporation - 2221 Yonge

83

Lamb Development Corp. - The Brant Park

73

Tribute Communities - The College

55

Lamb Development Corp. - The Harlowe

71

Tridel Corporation - 101 Erskine

BC

Lamb Development Corp. - Theatre Park

73

Lanterra Developments - The Britt

23

Tridel Corporation - Argento

IFC

Lanterra Developments - Treviso Condominiums

25

Urban Capital - Smart House

47

Lash Group of Companies - Cloud 9 Condominiums 134 new Condo Guide november 16 - 30, 2013

101

Windcatcher Development Corporation - Atwater Condos

125

inspired openings

The GuGGenheiM

The lOuvRe

T h e R O M C RyS TA l

New York, US Opened in 1959

Paris, France Opened in 1989

Toronto, Canada Opened in 2007

A Fa shion In spired

gr a nd opening yor k v i l l e — com i ng soon

Opening soon, a new fashion icon in the heart of Yorkville.

CASA III, with lobby to be furnished with Hermés.

The international signature of style and sophistication takes up residence in Yorkville from the mid $200's.

casacondominium.com 416-486-CASA (2272)

ExCluSIvE lISTIng BrOkErAgE. BrOkErS PrOTECTEd. PrICES And SPECIfICATIOnS ArE SuBjECT TO CHAngE wITHOuT nOTICE. IlluSTrATIOnS ArE ArTIST COnCEPT. E.&O.E.

view

M ERTO N YO NGE TOWNHOM E S

aCtual South VIeW

StyliSh CondoS & townS at 1815 yonge Street.

N

YONGE

EGLINTON

➤

Midtown living at its very best! MYC is located at Yonge & Merton, just steps to the subway, parks, trails and trendy Yonge Street boutiques and cafes. It’s your life, your style, your way. Well under construction – move in early next year!

Visit the Presentation Centre at 170 Merton Street.

DAVISVILLE PRESENTATION CENTRE MERTON

TTC SUBWAY

SITE ST. CLAIR

416.484.1900 myccondo.com Townhomes from the mid $500’s Tower Suites from the mid $300’s BrokerS ProteCted. PrICeS and SPeCIfICatIonS are SuBjeCt to Change WIthout notICe. IlluStratIonS are artISt ConCePt. e.&o.e.

136 NEW CONDO GUIDE NOVEMBER 16 - 30, 2013

CRESFORD. LOCATION. DESIGN. DETAIL. INSPIRATION. FASHION. STYLE. TRUST. From coveted locations to Fashion-Forward design

Coming Soon yorkville From the mid $200’s 416.486.casa (2272)

Under Construction yorkville From the high $200’s Penthouses Coming Soon 416.486.casa (2272)

1THOUSAND BAY CONDOMINIUMS ON THE PARK

Under Construction bay & bloor From the high $300’s 416.485.3000

Under Construction yonge & merton urban townhomes From the mid $500’s tower suites From the mid $300’s 416.484.1900

to sophisticated amenities, cresFord developments deFines the essence oF luxury condominium living. the First residential developer in canada to dress up their condominiums with international Fashion labels, cresFord is known For superb quality and attention to detail. a trusted name in the market For over 30 years, a cresFord condo inspires conFidence and security.

VISIT OUR PRESENTATION CENTRE AT 170 MERTON ST.

Move in Now windermere by the lake From the mid $300’s 416.977.5300

cresford.com

brokers protected. prices and speciFications are subject to change without notice. illustrations are artist concept. e.&o.e.

Move in Now king west From the high $500’s 416.867.3999