GTA New Home Guide - Nov 5, 2016

NOV 5 - 19, 2016 VOLUME 24, ISSUE 20, FREE

GTA EDITION

INSIDE THIS ISSUE

REGULATORY RED TAPE: HOW IT’S COSTING YOU THOUSANDS

AREA CARPETS: LAYING IT ALL OUT THERE

THE CHALLENGE OF CREATING AFFORDABLE COMMUNITIES

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contents NOV 5 - 19, 2016 | VOLUME 24 ISSUE 20

30

ON THE COVER

Brookfield Residential Brookfield to open Timberlane in Aurora in November

+ online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

WITH

DYNAMIC MAPS

LOOK FOR THE CIRCLE

property profiles

trending

24 Fieldgate Homes

18

34 Madison Homes

22 Home Prices

neighbourhood profile

28 Menkes Developments

Upcoming release of 38-ft. singles at Valleylands The legacy continues with RealTowns in Thornhill

60 Mississauga City Centre

Gleaming glass towers amid lush greenery

Housing Market

Ontario markets gathering steam in house price gains Average detached homes in the GTA surpass $1 million

Charity event raises more than $1 million over the years

2 YPNEXTHOME.CA

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0

69

66

54 Style File

5 steps to a finished family basement

66 Style File

Designing your child’s room for today and tomorrow

69 70

The Scoop

Dining in rustic chic

Reclaimed Wood

A trend we hope never ends

advice

24

60

10

BILD Report

The challenge of creating affordable communities

by Bryan Tuckey

14

Fundamentally Speaking

Let’s Talk Housing more than just a hashtag

by Wayne Karl

20 Mortgage Advice

How new mortgage rules will affect first-time buyers

by Alyssa Furtado

36

34 32

38

Mortgages

Canadians jumping into mortgages too quickly: survey

Home Building

Regulatory red tape costing builders and buyers thousands

46 Housing Market

Toronto, get used to rising prices and foreign buyers

50 Homebuying

It’s not just about location, location, location anymore

52 Charity Event

Ping pong fundraiser another ‘smashing’ event

Home Sweet Home

Can’t afford $1 million?

Drive until you qualify

by Lydia McNutt

52 Legally Speaking

The importance of the predelivery inspection

by Jayson Schwarz

58 Investing

Should office condos be on your investment radar?

buyers’ resource section

62 Development

74

72

77

How new sports facilities boost real estate values

Minto Communities

Ontario’s first Net Zero Energy townhomes

inspiration

42 Design Secrets

Area carpets – let’s lay it all out there

Hot Properties

New releases, openings and preview registrations

Mortgage Rates

in every issue

4

Editor’s Note

6

Contributors

78

What’s Online

79

Advertiser Index NOVEMBER 5 - 19, 2016 | NEW HOME GUIDE 3

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Editors' Notes

MISSISSAUGA

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

ypnexthome.ca/mississauga

Neighbourhood facts, before you buy If the number one rule in real estate is “location, location, location,” then making sure your next place is in the right “neighbourhood, neighbourhood, neighbourhood” is where we come in.

At YPNextHome.ca we have taken “neighbourhood” to the next level.

Finding a home is about more than just location; it’s about the micro details of the neighbourhood. To that end, we’ve collected data from across the country, right down to the details of who lives there.

We invite you to explore more than 2,700 neighbourhoods we have on our website to find out not only lives there, but what their favourite activities and hobbies are, and even how they commute to work.

Essentially, your neighbourhood is an extension of your home. Get the facts before you decide.

This issue profiles Mississauga City Centre, which we’ve explored and defined ourselves. It’s a small sample of what’s available online. Check it out and let us know what you think!

Let’s really talk housing

WAYNE KARL Senior Editor Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl

+ get social

No one could blame first-time homebuyers for feeling a little downtrodden these days. Prices – especially in piping hot markets such as Toronto – continue to soar, adding yet another challenge to their homebuying aspirations.

Now comes the latest round of changes to mortgage regulations (see page 20), which, while intended to impart a cooling to the market overall, again make it more difficult for young Canadians to buy a home.

Welcome to Canadian real estate in 2016.

In the coming weeks, specifically Nov. 22, National Housing Day, we’ll

hear more about govenment plans and policy when Ottawa releases a report from its recent Let’s Talk Housing initiative.

Ultimately, the effort is meant to produce a National Housing Strategy – a challenge in itself when there really even isn’t a national housing market.

This latest round of mortgage changes underlines just what a challenge this will all be. Canada is a vast country with diverse economies and housing markets, and we need a strategy that takes such provincial or regional differences into account, not blanket policies.

Interact with us on social media: ypnexthome

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Contributors

PRESIDENT, YELLOW PAGES NEXTHOME

DESIGNER ADVICE

JANE LOCKHART Jane lockhart is Founder and Principal Designer of Jane Lockhart Interior Design in Toronto. She can be reached at 416.762.2493. janelockhart.com

Jacqueline Hill EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES, NATIONAL

Moe Lalani ASSOCIATE PUBLISHER, NEW HOME GUIDE GTA, NEW CONDO GUIDE, NEW HOME & CONDO GUIDE SOUTHWESTERN ONTARIO

Anne-Marie Breen EDITOR

MORTGAGE ADVICE

ALYSSA FURTADO Alyssa Furtado is the Founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions

Wayne Karl ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

Sonia Bell, Elisa Krovblit Lydia McNutt

LEGALLY SPEAKING

JAYSON SCHWARZ Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. He can be reached by visiting schwarzlaw.ca or by email at info@schwarzlaw.ca or phone at 416.486.2040

SENIOR ACCOUNT EXECUTIVE

Nina Downs nina.downs@ypnexthome.ca SENIOR ACCOUNT EXECUTIVE

Dionne Fraser dionne.fraser@ypnexthome.ca DISTRIBUTION & SALES CO-ORDINATOR

Terry Basset NATIONAL CIRCULATION MANAGER

BILD REPORT

John Jenkins

BRYAN TUCKEY 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)

PRODUCTION MANAGER

Helen Pearce PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic GRAPHIC DESIGNERS

Miguel Cea, Mike Terentiev

more online

Published by

We have even more content online! Read more stories from our team of contributors at ypnexthome.ca, including stories by:

MORTGAGE FINESSE

CALUM ROSS Calum Ross is a mortgage columnist for New Home Guide and New Condo Guide. He holds both a B.Comm and MBA in finance from the Schulich School of Business and in 2011 completed the Comprehensive Leadership Program at Harvard Business School. He can be reached at 416.410.9905

MONEY MATTERS

GAIL VAZ-OXLADE 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

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

ADVERTISING 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 2016 All rights reserved by Yellow Pages Homes Ltd., Toronto, Ont. Reproduction in any form is prohibited. Contents of this publication are covered

by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.

TERMS Advertisers, Editorial content are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. EDITORIAL Submissions from interested parties will be considered. Please submit to the editor at Susan.Legge@ypnexthome.ca

TARION REPORT

HOWARD BOGACH Howard Bogach is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide. For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/TarionWarrantyCorp.

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

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NOVEMBER 5 - 19, 2016 | NEW HOME GUIDE 7

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Advice | BILD REPORT

The challenge of creating complete, sustainable, affordable communities

By Bryan Tuckey

MORE ADVICE ONLINE ypnexthome.ca/news/advice

OUR GOAL AS AN INDUSTRY is to build complete communities that are environmentally sustainable, affordable and meet the housing needs of the GTA’s 100,000 new residents each year.

Unfortunately, delivering on that goal is getting harder as challenges grow in number and scale. Multilayered government policies and regulatory frameworks, ever lengthening approval processes, escalating land prices, and restrictions on land supply are some of the issues that hinder the development of complete communities that are affordable for today and for the future.

Building sustainable complete communities and how realistic or idealistic it is, was the subject of a recent BILD debate. And while the industry experts on the event’s panel agreed that developing thriving communities is possible, they also raised many obstacles that impede the industry’s ability to create them.

The importance of creating environmentally sustainable communities was stressed by all speakers. However, it was pointed out that many of the elements that help make communities more environmentally sustainable are expensive to build.

The effect of government policy on building new housing was one of the debate’s most talked about matters. The home building and

land development industry is one of the most heavily regulated with numerous policies and processes controlling where and how development happens.

One of the most impactful policies is the Growth Plan for the Greater Golden Horseshoe which was introduced a decade ago. Designed to change the pattern of development in the GTA and beyond, it mandates intensification. In accordance with Growth Plan policy, the industry is building up and not out and today we are developing more multi-family high- and midrise condos and fewer lowrise homes especially singlefamily detached homes. As was pointed out at the debate, demand for detached homes has not dropped so we have a housing supply and affordability problem.

Participants also discussed the impact of constraints on the supply of land that is serviced and ready for development. Land designated for development that is shovel-ready and serviced with sewers, water and

roads is in short supply and that is also impacting the industry’s ability to deliver complete communities.

Another issue raised in the debate was rising government fees and charges and the impact those escalating costs are having on development and new home buyers. Government charges and fees amount to one-fifth the cost of a new home and they continue to increase.

Development charges alone have increased between 143 and 357 per cent since 2004.

As the GTA grows and changes, it is becoming more important to build communities that will last for generations to come. We need to work to together and think big to come up with innovative solutions for how to do things in a different way.

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

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Advice | FUNDAMENTALLY SPEAKING

More than just a hashtag

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

#

#

#

THE NEXT SEVERAL weeks are crucial

in Canada’s housing market. No, it has nothing to do with the fall sales period, or any lull expected from the oncoming holiday season.

It’s all about policy – seeing the real impact, over a longer period, of the latest round of changes to mortgage regulations – and what is to come from the federal government’s recent efforts to begin building a National Housing Strategy.

Ottawa’s Let’s Talk Housing initiative (#LetsTalkHousing in social media vernacular) wrapped up consultations in late October, and is now working toward tabling the results on Nov. 22.

For anyone expecting a full-on housing policy on that date – best not hold your breath. After consulting provincial bodies, industry experts and others – including everyday Canadians – Ottawa now faces a daunting task. As necessary and noble as the effort is, the near impossible challenge now is to come up with a national strategy that addresses the multiple and varied issues, and executes a vision that is equitable across differing economies, markets and conditions. From affordable housing to rental markets to homeownership, the issues are complex and far-reaching.

Good luck.

At least this time, the government had the good sense – as it should with a matter so comprehensive and serious – to consult with multiple sources for input and ideas on the future of housing in Canada. Topics

range from finance and data to social inclusion and sustainability.

For an example of the opposite, take the latest round of mortgage rule changes (see page 20). Introduced on Oct. 3 and taking effect Oct. 17, the regulations were intended to reduce housing activity, slow home price growth and mortgage indebtedness.

They are also, however, making it more difficult for first-time buyers, at a time, in many markets, where it’s already difficult enough to get into homeownership. In Toronto, affordability is a serious issue, and these changes make it harder to buy a home. In Edmonton and Calgary, pile these new rules on top of an already sagging economy and housing market.

Indeed, this latest round of rule changes reduce one risk but create another, says Canadian housing market economist Will Dunning.

Subsequent effects could include a severe reduction in housing market activity and negative effects in the broader economy.

“The government is aiming to reduce the risk of a housing market implosion,” he says. “The new policy is based on a future event that is possible, but has a low probability

of occurring – that in five years, mortgage interest rates could be more than two points higher than they are today. In so doing, it is creating a risk that is also possible, and seems to have a higher probability of occurring – that its policy could have severe negative effects for the housing market and the broader economy. It would be useful to have more public discussion on the trade-off of risks.”

All of this foreshadows the challenge of developing a National Housing Strategy, when, in fact, a national housing market doesn’t exist.

How to devise a policy that is fair and equitable across a country as vast as Canada, with regional economies and wildly varying real estate markets?

Let’s Talk Housing is more than just a hashtag. It’s only the beginning of meaningful, ongoing discussion.

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@ypnexthome.ca or follow him on Twitter at Twitter.com/ WayneKarl

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Another month, another record for GTA new home prices

PRICES FOR ALL TYPES of new homes

in the GTA continue to set records while sales of new highrise homes are on pace for an unprecedented year, according to the Building Industry and Land Development Association’s (BILD) sales summary for September.

So far this year, there have been a record 20,596 highrise homes sold across the GTA, according to Altus Group, BILD’s official source

for new home market intelligence.

Highrise units have accounted for nearly 60 per cent of the GTA’s 34,736 new home sales as of the end of September. For the same period there were 14,140 new lowrise sold.

Average prices for both new highrise and lowrise homes continued to climb and set new records across the GTA. The average price of new lowrise homes, including detached, semi-

detached homes and townhomes, increased by more than $60,000 in just one month, to reach an unprecedented $992,231 in September. Prices have grown 22 per cent since last year.

New detached home prices climbed to $1.19 million in September, while new highrise prices in the GTA also broke records – hitting an unprecedented $486,605 last month, …continued on page 16

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…continued from page 14

“The average price of new lowrise homes, including detached, semi-detached homes and townhomes, increased by more than $60,000 in just one month, to reach an unprecedented $992,231 in September.”

September new home sales by municipality Sept ’16

Lowrise

Highrise

Total

REGION

2014

2015

2016

2014

2015

2016

2014

2015

2016

Durham

221

158

319

26

81

61

247

239

380

Halton

155

91

92

88

126

117

243

217

209

Peel

521

414

113

207

63

286

728

477

399

Toronto

59

27

36

1,883

881

1,839

1,942

908

1,875

York

607

461

640

198

180

165

805

641

805

GTA

1,563

1,151

1,200

2,402

1,331

2,468

3,965

2,482

3,668

Jan-Sept

13,885

15,314

14,140

16,238

15,080

20,596

30,123

30,394

34,736 SOURCE: ALTUS GROUP

up 10 per cent from last year.

BILD President and CEO Bryan Tuckey attributes the GTA’s shortage of housing supply as the primary driver of price increases. “We have a serious housing supply challenge in the GTA due to a significant shortage of shovel-ready land and long and uncertain project approval timelines,” he says. “These factors are severely restricting the number of new homes being brought to market and are causing prices to surge month after month.”

Supply of new homes available to purchase in builders’ inventory declined by more than 10,000 homes in the last 12 months.

There were 15,421 new homes and condominiums available for purchase in September across the GTA, compared to 25,848 at this time last year.

Lowrise supply showed a modest increase over August, but the 1,604 homes were still a 64 per cent decline from last year. The slight increase is attributed to a strong

number of new project launches, which is typical for September.

There were just 764 detached homes available for sale across the region. That is less than one month of supply, based on recent sales trends.

“New lowrise home sales year-todate in the GTA are very similar to the situation back in 2009, before house prices started to take off, averaging about 1,500 per month,” says Patricia Arsenault, executive vice-president of research consulting services at Altus Data Solutions.

“What has changed dramatically is the decline in options available to buyers. Back in 2009, there were nine lowrise homes available to purchase for every home sold. Now, that ratio is less than two to one. Given the sharp drop in competitive product alongside buoyant buyer interest, it’s no surprise that new lowrise home prices have doubled since 2009.”

Highrise inventory in September was 13,817 homes, down slightly from August and 35 per cent less than at this time last year.

“The recent increase in highrise prices can be attributed to the rise in average suite size, combined with a growing price per square foot,” Tuckey says. “This year, we have seen the introduction of larger suites aimed at purchasers who have been priced out of the lowrise market.”

The average size of a highrise home in the GTA was 809 sq. ft. in September, compared to 767 sq. ft. last year. Meanwhile the price per sq. ft. increased to $601, up $26 from last year.

September is a prime project launch month for both new lowand highrise development. There were 2,468 highrise units sold in September, 1,839 of them in the city of Toronto.

Lowrise sales in September were up four per cent from a year ago to 1,200, with more than half of the sales coming from York Region. So far this year, 14,140 new lowrise homes have been purchased across the GTA, eight per cent below the same period in 2015.

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Trending

Ontario markets gathering steam in house price gains

By Wayne Karl

SOME HOUSING MARKETS in Ontario – that aren’t Toronto – are gathering steam, while the Vancouver area continues to dominate nationally with surging house price gains.

Based on the latest Royal LePage House Price Survey for the third quarter of 2016, BC markets dominate the top five. The usual suspects of Vancouver, West Vancouver and North Vancouver are right up there, but Richmond and Coquitlam are also showing strong double-digit increases of 34.3 and 26.4 per cent, respectively, year-over-year.

And in Ontario, Toronto is still posting strong gains, but Oshawa, at 26 per cent, and Richmond Hill, at 25.7 per cent, are far outpacing Toronto’s 12.1-per-cent growth.

BC’s new 15-per-cent property transfer surtax on foreign nationals and foreign-controlled corporations, introduced early in the quarter, is causing sales to slow, but is having little impact on Greater Vancouver home prices, which led the country with 30.6 per cent appreciation year-over-year.

Ontario, which is said to be considering a similar tax, saw house price increases in the GTA of 13.6 per cent.

Overall for Canada, the Royal LePage National House Price Composite shows that the price of a home increased 12 per cent year-over-year to $545,414 in the third quarter of 2016. The price of a two-storey home rose 13.7 per cent to $649,635, bungalows increased 11 per cent to $459,481, and condominiums 5.8 per cent to $360,679.

“In what may be a final hurrah for this expansionary cycle, Greater Vancouver posted another quarter of unsustainably high price appreciation,” says Phil Soper, president and chief executive officer, Royal LePage. “The median value of homes in the tiny West Vancouver suburb increased by nearly 40 per cent – or an astonishing million dollars – year-over-year. That said, relief appears to be on the way. For months, the number of homes trading hands has been slowing on eroding affordability. And, slower sales volumes lead to moderating prices.”

Nationally, real estate markets remain healthy, with home values showing modest to strong price appreciation in almost every Canadian city.

“Even in the hardest hit oil patch regions, prices have held up well, with small single-digit declines, year-overyear,” says Soper.

New measures introduced by the federal finance ministry on Oct. 3, designed to cool the housing market primarily by curtailing foreign buying activity, have led to a decline in sales in Vancouver.

“Consumer confidence suffered a direct hit when the federal government introduced new, more restrictive regulations in early October,” says Soper. “While it is too

AVERAGE PRICES Select Canadian housing markets Market

Q3 2015

Q3 2016

$2.44M

$3.41M

39.6

$797,119

$1.07M

34.3

Vancouver

$1.09M

$1.46M

34.1

North Vancouver

$1.04M

$1.31M

27.3

$748,103

$945,260

26.4

Oshawa, Ont.

$360,359

$453,975

26.0

Richmond Hill, Ont.

$854,800

$1.07M

25.7

Langley

$610,974

$763,642

25.0

Burnaby, BC

$796,447

$994,518

24.9

Surrey, BC

$626,365

$763,410

21.9

Whitby, Ont.

$486,294

$590,921

21.5

Oakville, Ont.

$775,559

$894,696

15.4

Ajax, Ont.

$509,017

$572,803

12.5

West Vancouver Richmond, BC

Coquitlam, BC

Toronto

% Change

$637,116

$714,002

12.1

$508,483

$569,510

12.0

Kelowna

$499,977

$554,289

10.9

Milton, Ont.

$555,534

$613,759

10.5

Hamilton, Ont.

$380,624

$419,830

10.3

Mississauga, Ont.

$555,883

$609,266

9.6

Kitchener–Waterloo–Cambridge

$340,348

$371,474

9.1

London, Ont.

$270,659

$294,387

8.8 8.8

Brampton, Ont.

Victoria

$493,739

$537,228

Montreal Centre

$402,790

$431,894

7.2

$397,161

$411,654

3.6

Ottawa Montreal East

$362,508

$374,121

3.2

Winnipeg

$284,991

$291,426

2.3

Montreal West

$377,914

$382,271

1.2

Regina

$330,545

$332,540

0.6

Calgary

$464,707

$457,044

-1.6

Saskatoon

$392,734

$384,909

-2.0

Edmonton

$386,829

$374,712

-3.1

SOURCE: Royal LePage House Price Survey

early to say definitively, it appears Canadian homebuyers are adjusting quickly, and that fears of a hard correction were unwarranted. While the changes are significant, major lenders may already be using similar criteria when writing mortgages in sensitive regions like Alberta and BC, so the additional drag on the market resulting from the new legislation won’t be as great as it appears on the surface.”

Vancouver continues to attract foreign interest, he says, and capital is not expected to automatically migrate to Toronto as a result of the new tax in BC. “It is important to remember that most people buy houses for the location, lifestyle and family needs, and not simply upon financial investment criteria.”

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Advice | MORTGAGE ADVICE

How will new mortgage rules affect first-time homebuyers?

By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

IF YOU’RE A FIRST-TIME HOMEBUYER,

new mortgage rules may make it more difficult for you to get into the housing market.

As of Oct. 17, all homebuyers who get a high-ratio mortgage (down payment of less than 20 per cent of the purchase price) will now have to undergo a mortgage stress test by qualifying at a rate they don’t currently have to pay. This was something that only buyers getting a high-ratio mortgage with a variablerate term or a fixed-rate term of less than five years previously had to do.

The best mortgage rate in Ontario was 2.29 per cent (as of writing).

However, the Bank of Canada’s qualifying rate is 4.64 per cent.

First-time buyers – especially in housing markets where there aren’t many affordable single-family homes available – may be priced out of the market due to the new rules, says Gregory Klump, chief economist of the Canadian Real Estate Association.

Let’s use the example of a couple with a combined income of $100,000 has saved $40,000 for a down payment and they qualify for a mortgage rate of 2.29%. We’ll assume that their monthly property taxes will be $400 and their heating costs will be $150 a month.

When using RateHub’s mortgage affordability calculator, they’ll be able to afford a property costing up to $521,041 because of the new mortgage rules. But under the old rules, they would’ve been able to spend $635,700. That’s a difference

of $114,659.

The reason for the rule change is because there have been concerns about rising household debt levels in Canada. The country’s debt-toincome ratio reached 167.6 per cent in the second quarter of this year, according to Statistics Canada. What that means is households have $1.68 in debt for every dollar of disposable income. One government report noted that the country has recently experienced the largest increase in household debt relative to income since 2000.

There were also other rules announced that come into effect on Nov. 30 that may affect smaller mortgage lenders – the ones that often cater to first-time buyers. Those lenders will no longer be able to buy

portfolio insurance for certain types of mortgages they sell to investors. (Note that this is different than mortgage insurance and not something consumers have to purchase.) The smaller lenders won’t be able to sell those insured mortgages for funding.

As a result, they won’t be able to issue as many mortgages and will likely have to raise rates.

The bottom line The rule changes will make it harder for some first-time buyers to get into the housing market. And they may also face higher mortgage rates.

Alyssa Furtado is founder and CEO of RateHub.ca, a website that compares mortgage rates, credit cards and deposit rates with the goal to empower Canadians to search smarter and save money.

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2016-10-18 2:57 PM 2016-10-24 4:39 PM

Trending

Average detached home in the GTA surpasses $1 million

By Lydia McNutt

HOMEBUYERS LOOKING outside the

city limits to save a few bucks are going to have to look beyond the 905, according to the latest data released by the Toronto Real Estate Board (TREB).

September saw the average price of a detached home in the GTA surpass the $1-million mark – a new record for the GTA region as a whole.

Detached homes in the GTA – which includes Toronto and the 905 – averaged an unprecedented $1,013,788 in September, up 23.6 per cent over September 2015. In fact, all housing types across the region saw price gains with semis up 18.8 per cent to $699,968, townhomes up 21.8 per cent to $569,343, and condos up 9.3 per cent to $422,002.

The average home in the GTA (detached, townhomes and condos combined) was $755,755 in September. To break it down, detached prices in Toronto were up 23 per cent, to $1.29 million. In the 905, the average price of a detached home rose 26.6 per cent to $928,414.

Meanwhile, condominiums in Toronto rose by 6.5 per cent to $446,729.

Hot on their heels in price, condos in the 905 area reached $367,260, an increase of 19.4 per cent year-over-year.

September sales keep pace with price tags GTA realtors reported 9,902 sales in September throughout the 416 and 905 regions – up 21.5 per cent year-over-year. Almost all housing types across the GTA saw an increase in sales with the exception of Toronto’s semi-detached segment, which dipped 3.5 per cent year-over-year, attributed by the Board to a dip in new listings.

“We continued to see strong demand for ownership housing up against a short supply of listings in the Greater Toronto Area in September,” says TREB president Larry Cerqua. “The sustained lack of inventory in many neighbourhoods across the GTA continued to underpin high rates of price growth for all home types.”

MORE TRENDING ONLINE ypnexthome.ca/news

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Property Profile | FIELDGATE HOMES

Fieldgate Homes announces upcoming release of 38-ft. singles at Valleylands in West Brampton TIME AND TIME AGAIN, when we ask our homeowners why they chose to buy a Fieldgate home, we get some pretty familiar answers.

Many say that the deciding factor was Fieldgate’s award winning floorplan designs, while others say it was the beautiful masterplanned community design. Whatever your reason for choosing Fieldgate, with New Releases coming soon to all three of our current new home communities, we’re confident that you will find a home that you’ll love in 2016 with Fieldgate Homes.

ABOVE

The Cardinal A elevation, 2,010 sq. ft.

Valleylands – West Brampton Visit the sales centre to view the floorplans that will be available in the next release of detached homes in November. Boasting a selection of single-detached 38-ft. designs from the $800’s, some with walk-up basements, discerning buyers will like what they see when they discover these impeccably crafted luxury homes. …continued on page 26

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NOVEMBER 5 - 19, 2016 | NEW HOME GUIDE 25

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…continued from page 24

At Valleylands, the best of west Brampton living is literally at your doorstep.

At Valleylands, the best of west Brampton living is literally at your doorstep. The Heartland Town Centre is only five minutes away, offering major retailers such as Best Buy, Home Depot and Costco.

Nearby Erin Mills Town Centre, Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restaurants.

Nature lovers can soak up the Credit River landscape at nearby El Dorado Park and golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance. If that weren’t enough, the commute to Toronto is a breeze with Hwys. 401 and 407 minutes away.

Coming Soon – Stouffville, Kleinburg & West Whitby An all new release of 36- and 40-ft. detached homes will be coming in October to Stouffville’s popular Blue Sky Community. In this popular community setting, GTA homebuyers have a lot to look forward to. Register now and watch your inbox.

Impressions – Kleinburg Register for the next release at Impressions in Kleinburg coming in October, featuring a stellar collection of luxurious family residences in a charming village setting. Featuring exquisite single detached 38- and 44-ft. homes starting from more than $1 million, you can discover a lifestyle of true comfort and prestige in this exceptional family community.

Throughout all of the GTA, there’s no place quite like the Village of Kleinburg. Perfectly nestled between the east and west branches of the Humber River, Kleinburg offers all the pleasures of small town life just minutes

from the big city conveniences of Vaughan and the surrounding area.

Vaughan’s many other charming neighbourhoods also offer convenient shopping destinations – such as Vaughan Mills – boasting a host of major retailers and top name brands. Commuting is made easy with Hwys. 27, 400, 427 and 407 all just minutes away.

The next master-planned community is Whitby Meadows, featuring a selection of 30-, 36-, 42-ft. single-detached homes, semis and freehold townhomes in west Whitby’s finest natural setting.

To register for the next release at any of these communities, visit fieldgatehomes.com

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Trending

Menkes charity event brings total to more than $1 million 18th Annual Golf Classic raises funds for three Toronto rehabilitation hospitals EIGHTEEN HOLES, 18 YEARS and more than $1 million raised.

September’s Charity Golf Classic at the Lionhead Golf Club in Brampton was the 18th annual event hosted

by Menkes Developments. Always well-attended by family, friends, employees and sponsors, the tournament has continued to be a success. This year, after stepping off of the course, Menkes Developments has even more to celebrate.

Thanks to the generosity of its donors, sponsors and volunteers, Menkes was able to raise $165,000 to benefit Holland Bloorview Kids Rehabilitation Hospital, Toronto Rehabilitation Institute (part of the University Health Network) and West Park Healthcare Centre. The funds raised this year increased Menkes’ cumulative fundraising efforts from its Charity Golf Classic to more than $1 million since its inception.

“Menkes Developments is more than just a city builder. For decades, we have found ways to support various organizations within the city of Toronto, from arts and cultural events to important health and wellness initiatives,” says Steven Menkes, president, lowrise residential division. “The rehabilitation facilities we have selected as a beneficiary of the funds raised from the Golf Classic are providing life-changing care, and helping those suffering from severe injury or illness to really get their lives back.”

For the second year in a row, Holland Bloorview Kids Rehabilitation Hospital – a leader in applied research, teaching, learning and pioneering treatments and therapies that provide children with disabilities the tools to

MORE TRENDING ONLINE ypnexthome.ca/news

live an enriched life – will receive a portion of the funds raised at this year’s event. As Canada’s largest children’s rehabilitation hospital, they continue to create a world of opportunity for children with disabilities.

In addition, this year Menkes will also donate funds to two new organizations: The Toronto Rehabilitation Institute (part of the University Health Network) and West Park Healthcare Centre. Both organizations are dedicated to helping their patients overcome the challenges of disabling injury, illness or age-related health conditions. These restorative facilities provide the tools to help patients adapt to new circumstances in order to live increasingly active and independent lives.

Reflecting on yet another successful event filled with fun and unwavering support, Steven Menkes is already anticipating the arrival of next year’s Golf Classic event.

“Thank you to everyone who helps to make our event such an

overwhelming success year-afteryear. We could not do it without the extensive support network of friends and volunteers,” he says.

Menkes Developments Ltd. is a fully integrated real estate company involved in the construction, ownership and management of office, industrial and residential properties.

Menkes was founded as a developer of single-family homes, and has expanded significantly over the years, branching out into other areas of real estate. It is now one of the largest private Canadian developers of residential, industrial and office properties. Menkes has developed a portfolio of well-designed, strategically located residential buildings in Toronto, including Harbour Plaza, The Eglinton, Fabrik and Gibson Square.

For more information about Menkes, visit menkes.com

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NOVEMBER 5 - 19, 2016 | NEW HOME GUIDE 29

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Property Profile | BROOKFIELD RESIDENTIAL

cover story

Brookfield to open Timberlane Aurora this November EVERY NOW AND THEN, a new home

neighbourhood comes along that catapults ordinary to extraordinary.

Such is the case with Timberlane, Brookfield Residential’s spectacular new home community coming this November to Aurora.

Registrations are pouring in for this outstanding home collection located at Vandorf Sideroad and Beacon Hall Drive. Nestled into a mature, prestigious enclave setting, these homes are situated just north of the highly exclusive Beacon Hall Golf Club. Befitting its distinguished surroundings, Timberlane will offer a limited collection of just 56 luxurious detached homes on 50-ft. homesites, with prices beginning at more than $1 million. Purchasers will be able to select from elite bungalow and twostorey residences designed and built to a superior caliber.

The name “Timberlane” speaks to this community’s rich natural setting. The Town of Aurora is partially

situated on the breathtaking Oak Ridges Moraine and is characterized by scenic rolling hills, green spaces and majestic mature trees. Through the Town, there are hundreds of acres of parkland and a pedestrian trail system that meanders 25 km through wooded areas, fields and wetland habitats of the Holland River Valley Trail and the Moraine.

In addition to lovely natural spaces, Aurora is graced with a diverse array of schools, shops, restaurants, parks, conservation areas, daycare facilities and recreation centres. With GO Transit access and Hwys. 404 and 400 close by, a trip to Toronto takes just about half an hour. This Town offers such a high quality of life that it is one of the GTA’s fastestgrowing municipalities. In fact, this year, MoneySense magazine named Aurora in the top 20 Best Places to Live in Canada.

Within this vibrant context, Timberlane’s private cul-de-sac

design will provide an ambiance of exclusivity amid the existing residential homes that surround it.

Think of Brookfield’s community as a tranquil hideaway, far removed from urban hustle and bustle, yet only minutes to amenities when you want them. Distinctive architecture will feature Georgian and Craftsman styling – perfect for this historic town. These homes have interiors with bright, open spaces, gourmet kitchens, spacious family rooms and sumptuous master bedrooms and ensuites. Whether entertaining a crowd, relaxing with the family or carving out some quiet “me” time, these layouts feature ideal spots for all of the above.

Purchasers are also sure to be impressed with the high level of standard appointments included in each home – plus, Brookfield’s 4,000-sq.-ft. Inspiration Studio showcases thousands of upgrades, enhancements, features and finishes

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available to help personalize and customize your surroundings.

From ultra-modern to classic, the choices are phenomenal, and professional decor consultants are on hand to make the colour selection appointment exciting and fulfilling. To make it easy on buyers, Brookfield offers in-person browsing hours to familiarize yourself with the studio before your appointment. The permutations and combinations are thrilling, and your decor professional will help you choose what reflects your personality, taste and needs.

Timberlane comes to you from one of Ontario’s most skilled and passionate builders. Brookfield Residential has been building quality homes in outstanding new home communities across Ontario since 1956. This forward-thinking builder has evolved with changing homebuyer needs, and has built a reputation as an industry leader and innovator. Brookfield employs the highest possible standards in home construction. Over the years, the company has built more than 25,000 homes in dozens of masterplanned communities.

At the core of Brookfield’s continued success is the company’s

Location

Aurora Builder

Brookfield Residential Development

Timberlane Home Type

Luxury detached homes on 50-ft. homesites Contact

905.477.5111 brookfieldhomes.ca

commitment to listening to and reflecting the deepest needs and desires of their customers.

Exceptional customer experience is the benchmark of Brookfield’s success, with the goal of ensuring their homeowners have complete peace-of-mind throughout the home purchasing and construction process. Their award-winning Customer Care Team is dedicated to guiding homebuyers from start to finish, providing much-needed advice and information on everything from interior design, to construction

timelines and beyond.

As a result of continued commitment to quality, integrity and community, Brookfield Residential has been honoured with several industry recognitions. Among these are the prestigious JD Power and Associates award for Highest Ranking Builder in Customer Satisfaction, Tarion Builder of the Year, OHBA Builder of the Year and CHBA Marketing Excellence Award, to name a few. Even more of a tribute, Brookfield is the recipient of many glowing referrals from happy homeowners.

When nothing but the best will do, all of this makes Brookfield uniquely qualified to build the home of your dreams at Timberlane.

For the opportunity to move up to the ultimate in luxury living in a memorable setting, register now for updates and VIP insider information including home designs, features and finishes, as well as your special Preview Opportunity invitation.

Visit AuroraTimberlane.ca or call 905.477.5111. To find out more about Brookfield Residential, visit brookfieldhomes.ca NOVEMBER 5 - 19, 2016 | NEW HOME GUIDE 31

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Trending

Canadians jumping into mortgages too quickly: survey

The majority of Canadians are simply not shopping around before signing a mortgage, potentially costing them $30,000 or more, over the lifetime of a mortgage LOOKS LIKE CANADIANS spend almost

as much time shopping for a new sofa as they do shopping for their mortgage.

A new Ipsos survey commissioned by lowestrates.ca, a personal finance comparison site, shows Canadians are jumping into their mortgage way too quickly. While smart financial decision-making is perceived to be very important, the survey found Canadians’ financial behaviours are actually on auto-pilot.

Sixty-seven per cent of Canadians believe their mortgage is a very important life decision, but embarrassingly, Canadians spend nearly as much time deciding on a new piece of furniture for their home (4.5 hrs) as they do their mortgage (5.75 hrs), and significantly more time planning their next vacation (7.75 hrs).

MORE TRENDING ONLINE ypnexthome.ca/news

The key issue may be Canadians’ blind loyalty to the big banks. The majority of Canadians are simply not shopping around before signing a mortgage, potentially costing them $30,000 or more, over the lifetime of a mortgage.

SURVEY SAYS...

Ä2 in 5

Canadians did not consult with any other service aside from the one that sold them their mortgage.

Ä67%

end up sourcing their mortgage through a bank, followed by only 22 per cent who used a mortgage broker and 13 per cent a credit union.

Ä8%

used a rate comparison site to source their most recent mortgage, even though 60 per cent said they’d be likely to use one in the future.

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New Release of Ravine Lots

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Expansive, open concept designer interiors featuring spacious, gourmet kitchens, gleaming hardwood floors and gorgeous, modern master baths. Inspired, exceptional living – only for those who act now.

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

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33

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Property Profile | MADISON HOMES

Madison Homes’ legacy continues with RealTowns in Thornhill THE ANTICIPATION is growing as Madison Homes will soon begin another exciting legacy in Thornhill, Vaughan. Madison Homes has had a presence in Thornhill since 2009, with Legacy and Thornhill Ravines Communities. The neighbourhood has transitioned significantly since then, developing into a thriving, diverse and well-maintained community offering an incredible range of amenities for all lifestyles.

This late fall, Madison Homes will release 79 contemporary-styled

townhomes located at the corner of Lebovic Campus Drive and Ilan Ramon Boulevard called RealTowns – continuing Madison’s tradition of real value and innovation in new home design.

Madison’s RealTowns will offer spacious three- or four-bedroom floorplans on three levels plus a basement, ranging from 2,168 to 2,730 sq. ft. and starting from $1 million. All townhomes will have a private backyard and a front-drive garage. Madison Homes will offer

alternate floorplans to add bedrooms, a home office, study or a casual, flexible space to relax and entertain.

Interior features and finishes will include grand 10-ft. ceilings on the main floor, nine-ft. ceilings on ground and upper levels, stained oak hardwood flooring on main floor with stained oak stairs throughout, and a free-standing deep soaker tub in the master ensuite, as per plan. Spacious and functional living areas will be well appointed with refined finishes to be selected at Madison Homes’

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Whatever your family needs – educational, recreational, medical or spiritual – all can be found nearby.

Location

Thornhill Builder

Madison Homes Development

RealTowns Home Type

Contemporary three- or four-bedroom townhomes from 2,168 sq. ft.

Contact

madisonhomes.ca

Design Studio. Be inspired by the wide selection of standard and upgrade options and customize your new home to reflect your personal style.

Whatever your family needs – educational, recreational, medical or spiritual – all can be found nearby.

The impressive Lebovic Community Campus, located directly to the east of this enclave, offers life-enhancing amenities such as a theatre/lecture hall, children’s education centre, cafe and food court, banquet place, arts discovery centre and a health and wellness centre. The Schwartz/ Reisman Community Centre, a 100,000-sq.-ft. facility on the grounds of the Lebovic Community Campus, features a state-of-the-art sport and recreational hub, including an aquatic centre and outdoor pool.

Enjoy nature at its best with many quiet gardens, parkettes, walking and biking trails and greenspaces in every direction. Walk over to the Rutherford Marketplace that features many fine retailers, restaurants and businesses including LA Fitness, Longo’s,

Shoppers Drug Mart, Duff’s Famous Wings, major banks and more. The area is well served by York Region transit and Hwys. 7 and 407 are less than a five-minute drive away.

For more than 55 years, Madison Homes has been setting the standard for value, design and customer satisfaction with awardwinning residential lowrise and highrise projects across the Greater Toronto Area. Madison Homes has extensive experience in creating enduring, successful masterplanned communities in Markham, Toronto, Unionville and Vaughan.

Built on a foundation of integrity, Madison Homes continues to focus on creating quality homes in highly desirable areas, firmly rooted in a sense of community. Madison Homes returns to good roots in Thornhill, and RealTowns will no doubt continue the fine legacy.

Register online at madisonhomes.ca to receive more information on the release.

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Advice | HOME SWEET HOME

Can’t afford that $1 million price tag?

Drive till you qualify

By Lydia McNutt

MORE ADVICE ONLINE ypnexthome.ca/news/advice

HOME HUNTERS are well acquainted with the seven-digit price tags attached to houses in Toronto, but the latest data from the Toronto Real Estate Board (TREB) shows that the 905 is quickly catching up. According to the Board’s September stats, the average detached home in the GTA (which includes Toronto and surrounding 905 areas) is now $1.01 million.

A detached home in the 905, (excluding Toronto, which is believed to skew the price of homes in the GTA) is now $928,414. The proverbial gap between 416 and 905 is getting smaller and smaller. What was once a haven from inflated Toronto prices – and a hot-spot for first-time homebuyers – is now pricier than ever. Dream home? More like pipe dream. Have the suburbs officially become “move-up” territory?

There’s an old saying in the real estate industry: Drive till you qualify.

Can’t afford a home in downtown Toronto? Maybe look a little further from the core – perhaps Etobicoke, or Mississauga, or Milton, or… Just how far are young homebuyers willing to drive?

Not very far, according to a recent TD survey which revealed that Millennials have a YOLO (you only live once) attitude when buying a home.

According to the survey, Millennials are unlikely to: » Move into a smaller house than

they initially desired (68 per cent) » Sacrifice urban amenities (81 per cent) » Compromise on their top choice of neighbourhood (80 per cent) » Give up a car (89 per cent) So, what gives?

“Of course we want it all when it comes to finding our dream home,” says Pat Giles, associate vicepresident, real estate secured lending at TD. “But it’s important to know what trade-offs you’re willing to make based on what you can afford and where you are willing to live. If an urban location is paramount, then saving for a large down payment is important. If you can accept a longer commute time, you may actually be able to afford more ‘you only live once’ moments, like vacations, over time.”

If history has taught us anything, it’s that real estate prices are rising – and

fast. What the future holds is anyone’s guess. In the meantime, whether you’re looking to purchase property in the 416, 905 or elsewhere, know that prices are continuing on their upward trajectory, and so is demand.

Supply, meanwhile, is getting slim in those established hot spots – which now include Toronto suburbs. Here’s some sound advice for those thinking about buying a home: get in while you still can, buy what you can afford, and be willing to compromise. You can’t always have your cake and eat it too – or you just might bite off more than you can chew.

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

Lydia’s love of architecture, interior design and the written word have landed her happily at YP NextHome, where real estate rules. Lydia can be reached at Lydia.McNutt@ypnexthome.ca, and follow her on Twitter @LydiasTweets

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Averton Homes, one of Canada’s premier national home builders, is proud to announce the new release of luxury townhomes.

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

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Trending

Red tape Regulatory procedures costing builders – and buyers – tens of thousands of dollars, creating future challenges

THE COST OF COMPLYING with residential development regulations in Toronto is more than twice as expensive than in Hamilton, according to a survey of home builders released by the Fraser Institute, an independent, nonpartisan Canadian public policy think-tank.

New Homes and Red Tape in Ontario: Residential Land-Use Regulation in the Greater Golden Horseshoe finds that typical compliance costs were $46,569 per unit of new housing in Toronto, compared to $20,961 in Hamilton.

In Oakville, one of the most regulated municipalities in the region, the cost is more than $60,000.

“Costly and confusing regulations,

long approval times, rezoning delays and overall uncertainty for developers both increases the costs and impedes new homes from being built throughout the Golden Horseshoe,” says Kenneth Green, a senior research director at the Fraser Institute and co-author of the study.

The red tape ranking, which includes survey data from 2014 and 2016, compares municipalities in the Greater Golden Horseshoe on the length and uncertainty of construction approval times, regulatory costs and fees, rezoning prevalence and level of opposition to development.

Toronto ranked 20 out of 23 municipalities, ahead of only Oakville, Ajax and King Township.

Toronto earned low marks in the survey for having the highest opposition to new housing development from city council and community groups and for requiring nearly 70 per cent of all new residential development property to be rezoned.

In Toronto’s case, the rezoning process takes more than seven months (on average) to complete – nearly double the region’s average of four months.

“If city councils in the Golden Horseshoe really want to increase the supply of housing and lower prices, they should consider more sound regulatory regimes that encourage, not stifle, residential development,” Green says.

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Greater Golden Horseshoe municipalities (least regulated at the top): 1.

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Burlington Hamilton Milton Brampton Uxbridge Whitby East Gwillimbury Markham Vaughan Newmarket Halton Hills Oshawa Bradford West Gwillimbury Mississauga Pickering Whitchurch-Stouffville 17.

Caledon Richmond Hill Aurora Toronto Oakville Ajax King Township

“Costly and confusing regulations, long approval times, rezoning delays and overall uncertainty for developers both increases the costs and impedes new homes from being built throughout the Golden Horseshoe”

*Aggregate index includes only municipalities that garnered sufficient numbers of survey responses.

Estimates of typical project approval timelines in GGH cities range from 14.4 months in Burlington and 15.1 months in Barrie, to 22.3 months in Clarington and 24.3 months in Georgina. Toronto’s estimated timeline is shorter than the regional average, at 17.7 months. Timeline uncertainty’s deterrent to home building is strongest in Barrie.

Reported compliance costs and fees add up to a low of $21,000 per home built in Hamilton and a high of $60,500 per home in Oakville.

Reported compliance costs in Toronto average $46,570 per unit.

The survey reports that zoning classifications need to be changed to accommodate more than 50 per cent of new residential development in 28 out of 32 cities. Estimates of rezoning’s effect on approval timelines range from less than one

additional month in King Township to 11.25 months in Hamilton.

Council and community opposition to residential development is perceived as strongest in cities where dwelling values are highest, raising questions about the causes and consequences of local resistance to new housing.

The strongest opposition is reported in King Township, Toronto and Oakville. This opposition is typically not perceived as a significant deterrent to building in Brampton, Oshawa and Burlington.

While market forces tend to dominate development decisions, industry professionals also expressed a range of specific policy concerns.

For example, survey respondents

indicate that increasing stringency in municipal and provincial regulation limits consumer choice, and forces smaller builders out of the marketplace. The need for numerous reviews and permissions from various parties, rather than a single streamlined process, is another commonly expressed concern, and one that has grown in recent years.

In addition, local real estate professionals suggest that housing affordability may be adversely affected by provincial land-use policies in years to come. The 7,200 square kms of rural land virtually withdrawn from development by Ontario’s Greenbelt, can pose unique challenges to future growth in the Greater Golden Horseshoe.

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Advice

12 STEPS TO

SQUEAKY CLEAN

1

TO SOFTEN SPLATTERS...

to a quality window/glass cleaner, all-purpose cleaner, tile/grout cleaner and a toilet bowl cleaner.

inside the microwave, fill a cup with water and microwave on high for a few minutes. The steam will loosen any baked on food so you can easily wipe it clean. Before wiping the microwave, remember to be extra careful when removing the cup of water as it will be hot.

In each room, clean from the top to bottom starting on the left and moving right. This really is the quickest and most efficient way to thoroughly clean your home.

2

ALWAYS USE THE MOLLY MAID SYSTEM FOR CLEANING.

3

8

DISH CLOTHS AND SPONGES CAN BE INCUBATORS FOR GERMS.

Wash dish cloths regularly, and microwave damp sponges on high for several minutes to kill bacteria. Even better, toss the sponge and stick to microfibre cloths, which dry quickly when hung up and help prevent the spread of germs.

USE A TOOTHBRUSH...

ALWAYS DUST THE ROOM FIRST, AND THEN VACUUM.

4

To dampen, hold the cloth by a corner and lightly mist with clean water from a spray bottle. The cloth should be just damp enough to pick up dust without leaving moisture streaks on the furniture surface.

10

WINDOW STREAKS ARE TRICKY TO ELIMINATE.

When cleaning windows, wipe the inside of the glass horizontally and the exterior side vertically. This way, it will be easy to determine if the streaks are on the inside or outside.

ARE THERE COBWEBS... in hard-to-reach corners and crevices? Get rid of them quickly and easily with a feather duster, which can reach into difficult places to dislodge cobwebs and dust. Another tip: use the feather duster on lamp shades, which can look a bit grey and dustridden in the daylight.

IF THERE’S PET HAIR ON UPHOLSTERY... a damp microfibre cloth or rubber glove will easily remove it.

BEFORE DAMP MOPPING...

9

for hard-to-reach areas in the bathroom and kitchen (for example, around the soap holder, taps and drain).

That way any bits of dust or dirt that fall to the floor as you’re dusting will be picked up by the vacuum cleaner.

THE BEST DUST CLOTH IS A DAMP, CLEAN, MICROFIBRE CLOTH.

5

7

LIMIT YOUR CLEANING PRODUCTS...

6

sweep or vacuum floors first to collect crumbs and dirt.

Then, always start washing the floor in the farthest corner of the room and work your way toward the door. Use a damp cloth on the end of a mop handle to reach the narrow space between appliances. This will also help to get rid of cobwebs.

HERE’S A SIMPLE WAY TO DE-SCALE THE KETTLE:

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Fill the kettle half-andhalf with white vinegar and water and leave it to soak overnight. Using an old toothbrush, dislodge any stubborn bits of lime scale. Rinse out thoroughly a couple of times and then boil some water to eliminate any odour of vinegar.

If these cleaning ideas sound a bit daunting, contact Molly Maid, the cleaning experts at mollymaid.ca

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Nestled against mature woods, this innovative collection of condominium one-storey flats and two-storey towns offer distinctly unique designs and lifestyle choices in a convenient location minutes from Highways 404, 407 and the GO Train.

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2016-10-20 9:57 AM 2016-10-24 4:39 PM

Inspiration | DESIGN SECRETS

LET’S LAY IT ALL OUT THERE

By Jane Lockhart

Start with a neutral

Right size

When you think about decorating your home, you probably think first about wall colour, furniture and accessories. What goes on the floor is probably the last thing you consider, but it’s an important surface and one that can tie all the decorative elements together.

Whether you prefer wood flooring, wallto-wall broadloom or tile throughout your rooms, it will provide a great neutral background for an area rug. Add one on top of almost any surface (with care) to provide another layer of colour, texture, comfort and style. It can tie a room together or separate out different zones in one space.

Usually, I’m a fair and reasonable person who likes to work with people and their design ideas, but there is one thing that makes me put my foot down – area carpets that are too small. This is one design feature where bigger is always better. A puny area carpet makes a whole room look small, especially if it’s not

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If your room already has lots of pattern and you want to add a calming element underfoot, consider broadloom.

connected to any furnishings. Don’t settle for a four-by-six-ft. rug when you need eight-by-10 ft. or bigger.

All the furniture should be on top of the carpet, with room to spare.

Local building centres offer area carpets, but in limited sizes and styles.

Consider visiting a local carpet retailer or specialty store where you can see and feel the choices, ask questions and select the right size.

Calm your space down If your room already has lots of pattern and you want to add a calming element underfoot, consider broadloom. It’s generally a long run of one pattern, texture and colour created on a broad loom in wide widths and used for wall-to-wall applications. But because of its versatility, such as choice of colours, textures and patterns, it can be custom-cut to fit your space and the edges bound to prevent fraying. The binding can also be custom selected to go with your personal decor.

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

Add an artistic touch When you want to make a statement with your area carpet, the choices are virtually endless. Today, you can go into many carpet stores and work with a textile specialist to have a oneof-a-kind piece made especially for your space.

As design technology advances, so …continued on page 44

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…continued from page 43

do your choices, especially with area carpets. Along with a vast array of beautiful floor coverings, companies like Weavers Art (weaversart.com) carry lines that are like fine art on your floor.

Quality matters With area carpets, you will always get what you pay for. Man-made synthetic carpets such as polyester, nylon and olefin (also called polypropylene) are less expensive

but may only last up to five years.

Although the colours will last, the fibres may not feel as soft to the touch, will show wear quickly and may not hold up well to foot traffic.

Natural fibres such as hand-knotted wool and silk from the east set the standard for carpets throughout the centuries. The search for new, renewable fibres continues, as companies such as Elte (elte.com) recently introduced organic, natural fibres such as banana and bamboo silk into their carpet collections.

Wool can seem like expensive choice, but it is practical because it’s a renewable, natural resource, it’s environmentally friendly, absorbs sound, is water repellent and retains its appearance for years. Companies such as Speers Road Broadloom (speersroadbroadloom.com) have developed a hardwearing wool carpet that is offered at a terrific value.

Whether it’s a long-term investment, an artistic statement or a warm and cosy solution underfoot, choose wisely.

Jane Lockhart is founder and principal designer of Jane Lockhart Interior Design. She was creative director and host of W Network’s top-ranked show, Colour Confidential, and has a Canadian-built furniture collection, Jane by Jane Lockhart, by Statum Designs. Visit online at janelockhart.com

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A N C A ST E R

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Trending

Toronto, get used to rising prices and more foreign buyers

By Wayne Karl

Prospective homebuyers in Toronto should get used to one thing – rising prices. Either that or move further out in the GTA. Or rent.

These are the limited options – and unfortunate unintended consequences – caused by government policy and market forces in the Toronto area, says Benjamin Tal, deputy chief economist of CIBC World Markets.

And things aren’t going to get better any time soon.

Speaking at the recent Building Industry and Land Development Association’s 2017 Economic Outlook Conference, Tal cited the Ontario government’s Places to Grow plan as the primary cause of skyrocketing home prices in the GTA. The average price of detached homes in the GTA has surpassed the $1-million mark for the first time.

Buyers are now looking further out of the city, causing markets there to see double-digit price growth.

Oshawa, for example, recently recorded the fastest year-over-year gain in average price – at 26 per cent – in all of Ontario.

Places to Grow is the Ontario government’s program to plan for growth and development in a way that supports economic prosperity, protects the environment and helps communities achieve a high quality of life across the province.

No one can argue with any government’s program to better plan

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“The average price of detached homes in the GTA has surpassed the $1-million mark for the first time. Buyers are now looking further out of the city, causing markets there to see double-digit price growth.”

CMHC shelves Housing Outlook series Realtors, lenders, builders and others in the housing industry who normally look forward to Canada Mortgage and Housing Corp.’s annual country-wide series of Housing Outlook Conferences should take note: the HOCs are being shelved this year.

CMHC will still release its outlooks for key markets. The conferences, which typically begin in early November and are rolled out across the country for two months, will not take place this year due to the ongoing government focus on #LetsTalkHousing and the effort to devise a national housing strategy.

growth and in such important issues as investment in infrastructure, Tal says. But Places to Grow has had an underestimated impact on the price of housing across the GTA. “Affordability and Places to Grow cannot co-exist,” he says.

It is such forces, and not foreign investors or other factors, that are the primary source of rising home prices in the Toronto area.

“The number one reason for house price inflation in the GTA is supply – which is all about government policy,” says Tal. And there is “zero chance” of that policy changing.

Nor are foreign buyers the chief cause of rising prices in Vancouver, he says. There, the cause is geography, with limited ability to expand housing supply because of the city’s waterfront location.

The recent introduction of a foreign buyers’ tax in Vancouver, and other conditions, have caused sales there to pause significantly – but not prices, at least not yet. Royal LePage, in its latest House Prices Survey, for the third quarter of 2016, says these developments could soon lead to a more balanced market in Vancouver.

Royal LePage President Phil Soper is among the experts who do not expect capital to automatically migrate to Toronto.

“We are not seeing a significant migration of foreign capital from Vancouver to Toronto in the wake of the new property transfer tax,” he told New Home Guide. “Most people, whether they be of domestic or international origin, buy houses for the location and lifestyle, not simply based on financial investment criteria. While there has been a recent increase in foreign interest in Canadian markets like Toronto or Calgary, this has more so to do with the regions’ characteristics and prescribed lifestyles, which differ greatly from that of Vancouver. Put another way, if a Canadian had their heart set on purchasing property in Florida, a new tax would not automatically entice them to purchase property in Arizona.

The two markets are completely different, and in many cases they are purchasing in Florida for a specific reason.”

Tal, on the other hand, is not so sure more foreign investment is not heading east in Canada.

“More money, not less, will be leaving China. The only question is where it’s going.”

Vancouver, through its new tax and discussion of another levy – a “vacancy tax” – seems to be telling the world “no more.”

As a result, “it’s going to be ‘Welcome to Ontario,’” especially Toronto, says Tal, as foreigners look for places to invest.

“The only question is what will the government do about that,” he says, pointing to speculation that Ontario will introduce its own foreign buyers’ tax.

One positive for prospective homebuyers is that interest rates are not likely to rise any time soon, as the Bank of Canada is focused on keeping the dollar low. “If anything, the Bank will cut rates, not raise them,” Tal says, citing low interest rates around the world.

But this also contributes to an “affordability mirage,” as buyers are blinded by low interest rates.

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Trending

Growth in Ontario to exceed national average for third straight year: BMO ONTARIO’S ECONOMY is anticipated to outperform the national average for a third straight year in 2016 as it benefits from U.S. demand, a weaker loonie and a robust housing market, according to the BMO Blue Book from BMO Capital Markets Economics and BMO Commercial Banking.

Much like the U.S. Federal Reserve’s Beige Book, the BMO Blue Book combines the expertise of BMO’s economists with information on current national and provincial business conditions provided to BMO’s commercial bankers by local businesspeople.

“Real GDP is on track to expand 2.6 per cent this year, and a still-solid 2.3 per cent in 2017. Firm U.S. demand, a weaker currency, low oil prices and a strong housing market are all at work,” says Robert Kavcic, senior economist, BMO Capital Markets.

Exports and manufacturing have been supported by the macroeconomic backdrop. “Real exports have risen above previous record levels seen before the recession in 2007, and the real trade balance is steadily improving, adding to economic growth.

However, longer-term issues remain as relatively high labour costs continue to pose challenges for the auto sector versus Mexico and the Southern U.S.,” says Kavcic.

“Indeed, while manufacturing has rebounded strongly earlier in the recovery, growth has softened in the past two years as firms have filled up production capacity, but have been shy to deploy new capital investment and hiring.”

Meanwhile, Ontario’s labour market is thriving, with employment up one per cent year-over-year through August. “The jobless rate is now trending below the national rate for the first time since 2006,” he says.

The housing market continues

to perform well – particularly in Toronto, where resale prices are above average ranges and condo and townhouse demand is growing.

The provincial budget deficit is set to decline by $1.4 billion in fiscal year 2016-17, marking a third straight year of reduction and weighing in at a manageable 0.7 per cent of GDP. “The Province continues to target (fiscal year 2016-17) for a balanced budget,” Kavcic says.

Southwestern Ontario “Southwestern Ontario businesses continue to expand, with a number of encouraging prospects on the horizon,” says Julie Barker-Merz, senior vice-president, southwestern Ontario division. “While there’s still uncertainty given commodity prices, the strength of economic growth and the impact of the U.S. election, our commercial customers continue to show cautious optimism.”

The high-tech industry continues to accelerate in the KitchenerWaterloo-Cambridge-London area and venture capital is on the rise.

In agriculture – a key component of the regional economy – David Blyth, regional vice-president, commercial banking, southwestern Ontario, sees a recess in capital spending and a trend toward diversifying and mitigating risk.

The Greater Toronto Area “The Greater Toronto Area is large, diverse and a significant driver of both the provincial and national economies,” says Steve Murphy, senior vice-president, GTA division.

“With renewed economic strength visible in Ontario – particularly in the area of infrastructure from a number of both new and traditional commercial enterprises – there’s a lot of excitement in the GTA’s business community.”

Murphy adds BMO is here to help with a highly-skilled team of experts that can make lending decisions at the local level to help its commercial clients boost productivity, expand into new markets and make strategic investment decisions that will help propel growth and drive success.

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Wall hanging $195 Mylène Trépanier & Jean Desmarais

Mobile $110 Kira Varvanina

Dress $59 Laurie Lemieux & Christine Guérin

Planter $40 Edith Momplaisir

Cushions $120 each Janna Hurtzig

Ottoman $545 Meredith Combs Plush Embroidered Reindeer Toy $50 Jamie Bennett

11 Days. 800 Artisans. 1000s Of Things You Can’t Live Without.

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Trending | HOMEBUYING TIPS

Buying your first home?

It’s not just about location anymore

By Wayne Karl

LOCATION, LOCATION, LOCATION is the timetested, oft-repeated first rule of real estate. But as you set out to buy your first condo, there are other factors to consider as part of your selection process.

Location Yes, it is important. No doubt you’d love a large house on an expansive property on a quiet cul-de-sac in the best neighbourhood. But that’s not possible. So what do you do? For your

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Like any financial instrument,real estate can fluctuate in value, and your timing can determine how good of an investment it is.

Factors to consider own enjoyment while you live in your home as well as for future resale potential, proximity to transportation, shopping, schools and other amenities is among the key determinants that affect the property’s appeal and ultimately, its value.

Information As a first-time homebuyer, education is critical. And these days, with digital media and mobile technology, all the information you need is at your fingertips. From the content here in New Condo Guide to the resources available to you at Canada Mortgage and Housing Corp., the more knowledge you have, the better equipped you will be to make informed decisions about buying, maintaining and eventually selling your condo.

Timing Though your home is your primary residence, it is also an investment. Where you buy is usually determined largely by where you want to live, work and play. But when you buy and when you sell is also important. Like any financial instrument, real estate can fluctuate in value, and your timing can determine how good of an investment it is. Given today’s challenging economic climate, there’s no shortage of media reports on the ups, downs, crashes and surges of the housing market. But if you’ve done your research, you won’t be spooked – or excited – by big-picture reports on short-term market performance. You know that real estate is not national or regional – it’s very specific. You don’t buy the Canadian market, and you don’t buy a provincial or even regional market. You buy a specific home, on a specific street in a specific neighbourhood.

Is homeownership right for you?

Buying your first home is one of the biggest emotional and financial decisions you’ll ever make, so prepare yourself to make a knowledgeable decision. Although buying a home almost always seems like a great idea, it is important to understand what home ownership involves. Of course, being a homeowner is something to be proud of, but it also means having to invest money, time and energy, and taking on added responsibilities.

So, before you decide to buy a home, make sure you’re ready.

Here are some things to consider Financial security If housing prices rise, your home can provide you with some financial security due to capital appreciation. Stability You’ll have a place of your own. Financial stress Coming up with the down payment, meeting regular mortgage payments and other ongoing costs will tie up a lot of your cash and can put considerable stress on your finances. Maintenance Keeping your home in good shape requires time and money. Responsibility You alone are responsible for payments, repairs and maintenance. Flexibility You can decorate or renovate your home to meet your own family’s personal tastes and needs.

SOURCE: CANADA MORTGAGE AND HOUSING CORP.

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Trending

2016 fundraiser another ‘smashing’ success Zancor Homes and Lifetime Developments raise $300,000 for local charities WITH MUSIC PUMPING, paddles

swinging and balls bouncing, the fifth annual Smashed fundraising event was – yet again – a smashing success. Presented by Zancor Homes and Lifetime Developments, Smashed was held on Sept. 30 at Rebel Complex – a new entertainment venue at the site of the former Sound Academy – before it opened to the public in October.

Donned in their tennis whites, more than 500 guests attended this year’s Smashed event. The annual ping pong tournament had 32 players competing for the winner’s title, trophy and grand prize, but only one lucky winner took home $1,000 and first place bragging rights.

Following the tournament, the after-party started rocking at Rebel Complex. Special guests included Toronto Maple Leafs Nazem Kadri and James van Riemsdyk. The stars donated a pair of tickets to an upcoming 2016 season Toronto Maple Leafs game, as well as Maple Leafs jerseys.

With a new, never-been-seen location and an ambitious fundraising benchmark to beat from last year’s Smashed event, there was a lot of excitement leading up to the event this year. Thanks to the incredible support from the building community through corporate sponsorships, ticket sales and donations, Lifetime and Zancor were able to significantly surpass their fundraising goal.

“I never cease to be amazed by the impressive generosity and participation of the many people who have helped make Smashed such a hit, year after year,” says Brian Brown, co-chair of the Smashed Charity

MORE TRENDING ONLINE ypnexthome.ca/news

Ping Pong Tournament and Event, and Lifetime Developments’ vice-president.

“Without a doubt, Smashed has become one of the development industry’s hottest events, and each year the event is growing and becoming more successful than the last.”

Over the last five years, more than $650,000 has been raised from Smashed for a number of invaluable charities. This year’s Smashed event raised $300,000 – exceeding the developers’ fundraising goal of $250,000 – and proceeds will generously be donated to Lifeline, the Lifetime Charitable Foundation, Free the Children, and the Make a Wish Foundation.

“The generosity of those supporting the event, including members of the development industry and friends of Lifetime and Zancor, has always been overwhelming and demonstrates a shared concern for Torontonians in need,” says Brown.

Lifeline was founded by Lifetime Developments in 2014 with the goal to provide aid and support for Toronto’s vulnerable and at-risk communities by raising awareness and funds, and by facilitating various hands-on initiatives and on-the-street activities to improve the lives of those at risk. Lifeline is dedicated to building healthy communities and uses the funds raised to support local organizations and initiatives with an emphasis on homelessness, at-risk youth, food bank services, counseling, and educational services.

With the funds raised this year and in the past through Smashed, Lifeline is able to continue to support, and work alongside some amazing programs and charitable organizations within Toronto including Second Harvest, Breakfast for Learning, Baycrest, The Children’s Book Bank, Eva’s Initiatives, Covenant House and many more.

If you were unable to attend the Smashed fundraising event this year, donations can still be made directly to Lifeline by visiting lifelinecares.ca

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Inspiration | STYLE FILE

5 STEPS

to a finished family basement

By Lisa Canning | Photos by Larry Arnal

BEFORE OUR RENOVATION, my

basement was a dark and dingy mess of wood paneling, cedar shingles on the walls and a scary dirty furnace room. It was essentially a massive storage room that no one wanted to spend any time in. Post renovation, it is now a fun space that my family loves. Creating a multi-use space for the entire family takes some planning, but it is so worth the outcome. Here are my five steps to a finished family basement.

1. Embrace pattern In a room used for entertaining and recreation, patterned wallpaper can create the perfect backdrop. I used this great ikat in a cobalt blue to inject some energy into the space.

If all-over pattern intimidates you,

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MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

then think about using it as a focal wall and paint the adjacent walls in a coordinating colour you draw from the wallpaper palette. In a basement where sometimes ceiling height or awkward bulkheads can be a challenge, consider utilizing a large-scale pattern to draw attention away from these obstructions.

2. Create dedicated zones for entertaining I had a couple of structural posts I had to contend with in my basement, so I chose to incorporate one into the custom entertainment unit that houses my television.

This allowed me to create separate zones for watching television, prepping snacks in the kitchenette, and an open area for playing with toys or games. In the kitchen I added a wall oven for really easy snack prep. Creating these zones allows the family to use the space for various activities and gives a ton of flexibility for adults and kids alike.

3. Utilize a cohesive colour story My basement is small, so every piece counts. That’s why I intentionally selected items that match my decor. I kept my colour palette consistent by customizing my FLOR rugs to match the wallpaper and my red sofa.

4.

Create cabinets to hide all My favourite aspect of my basement is my wall of floorto-ceiling cabinetry. I used standard-sized cabinets that were great on my budget, but provide me a ton of value in usable space. This is where I store everything – toys, board games, craft supplies and snacks. All these items get hidden behind closed doors and at the end of the day, the space feels peaceful and uncluttered and ready for an evening relaxing in front of the TV or entertaining friends in front of the fireplace.

5. Use flexible furniture My other favourite thing about my basement is how flexible it is. In a small space like mine, I knew I wanted to be able to clear space quickly for impromptu dance parties, or for accommodating overnight guests. My sofa not only has storage in every seat, it can also be configured as a sectional, a sofa with ottomans or a bed.

My table extends to seating for six or can remain tucked away as a small console table when I want a large floor space cleared. This flexibility allows you to get the most out of your basement and can have a fabulous impact on your entertaining lifestyle.

Lisa Canning is a Toronto based designer who specializes in two-hour interior design consultations in the GTA and beyond. Learn more about her consulting services at lisacanning.ca

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Advice | LEGALLY SPEAKING

The pre-delivery inspection The PDI provides an opportunity to record your home’s condition before you move in

By Jayson Schwarz

MORE ADVICE ONLINE ypnexthome.ca/news/advice

THE PRE-DELIVERY INSPECTION, or PDI, is a small but incredibly important part of the new-home buying process. Included in the adjustments when you are closing your new home or condo (but not a conversion) is the cost of your Ontario New Home Warranty Program enrollment, which covers defects in the completion of your new home. Any item that is damaged, incomplete, missing or not operating properly should be noted on the builder’s PDI form to verify that these conditions existed prior to occupancy.

Most Agreements of Purchase and Sale make the deficiency list prepared as part of your final inspection the only basis for repairs, subject to the major items such as foundation cracks. What does this all mean?

When it’s time for the PDI, know that if you don’t list it, you may not be able to compel the builder to fix it. It’s critical to list everything!

The following list will help you make sure you are covered. Visit Tarion.com for a more definitive checklist.

1. Insist on having enough time to do the inspection and allow yourself enough time with no need to be anywhere else.

2. Write everything down yourself.

Don’t let the builder’s representative take charge.

3. If something has not been installed or completed, this should be noted.

4. Don’t rush! Do not let the builders representative push you. Insist on moving at you own speed.

10. Check out the condominium’s common areas – lobbies, garbage rooms, parking areas, gym, lockers, pool, tennis court. Remember, you own part of the common areas and if parts are incomplete, wrong or defective, list it!

a defect happened after possession.

Make sure you check carefully.

On Tarion’s website, it says: “The PDI provides an opportunity to record your home’s condition before you move in. Any issues should be noted on a PDI Form and ideally your builder will correct them right away. The PDI Form does not represent a request for warranty service, so if you fail to note an item this does not necessarily impact your warranty coverage.

However, if the problem concerns a damaged or missing item, it may be difficult to establish that this condition existed before you moved in if it is not noted on the PDI Form.”

Some readers ask what happens if the builder rushes them or something happened so they did not get the opportunity to finish their PDI. The answer is to immediately complete your list and send it to the builder and to Tarion. Don’t forget that you have an opportunity to raise these issues in Tarion’s 30-day form, which is submitted to Tarion during the first 30 days of possession. According to Tarion, “It should list any unresolved warranty items from the Pre-Delivery Inspection and any new items that have come up since you obtained possession of the home.”

There is probably more, and I do not warrant that this list is complete, but I hope it helps. Remember, this inspection is extremely important to establish your position as it relates to deficiencies, so that no one can say

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.

5. Write everything down, no matter how seemingly small or insignificant.

6. Do not accept promises of repair during inspection. If something is not right, mark it down.

7. Try every light, socket, tap, drain, toilet, door, lock, window, appliance – everything that could be defective now or go wrong later.

8. Watch for stains on carpet, scratches on wood floors, cracks in paint or drywall, areas where they forgot a second coat of paint, etc.

9. Look for water stains or spots, and if you see them insist on knowing why they’re there, and where they came from.

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Trending

Office condos: Why this real estate trend should be on your investment radar

By Sonia Bell

TORONTO HAS ESTABLISHED itself as a hot market for residential condos, but more recently, the office-condo trend has started to make waves through the city, potentially becoming the next big investment opportunity.

Toronto has the lowest downtown office vacancy rate in North America. According to a recent report by commercial real estate firm CBRE Group Inc., Toronto’s office vacancy rate continues to decline, dropping to 4.9 per cent in the second quarter of 2016, compared to 5.3 per cent in the first quarter.

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A key takeaway for investors is that not only can you buy an office unit at lower cost, typically you can also demand higher rent

The steady decline of available office space has sparked a new trend in real estate development – builders and developers are increasingly starting to incorporate office space into their projects, allocating a certain number of units for commercial use. The demand for office condominiums is mainly coming from small- to medium-size business owners who hope to spare themselves monthly rent cheques and build equity in their business by owning office space in a bustling market such as downtown Toronto.

But the low supply of commercial real estate and the growing demand for this space raises the question: Does this present a potential opportunity for savvy real estate investors?

The short answer is yes. Office condos follow the same rule of thumb for all real estate – premium location means higher prices.

“The ones I’m selling at 117 Peter St. – they’re attracting some tech companies… they are roughly $500 per sq. ft.,” says Jim Burtnick, broker and senior vice-president of sales at Sotheby’s International Realty Canada. “But the Yorkville project I’m selling, because of its location and exclusivity, is running at $1,000plus a sq. ft.”

Investors can typically snap up an office condo at a lower price than a residential condo, for several reasons. For one, you don’t always get a finished product. In the two

projects Burtnick is selling, for example, buyers are purchasing a concrete shell with plumbing and hydro. This allows a business to easily redesign the space that is cohesive with their brand identity.

Another reason you might pay less for an office condo is the lower construction costs. In a residential unit, owners require their own kitchen and bathroom, but in an office setting, such facilities are usually shared – for example, bathrooms are often located in the hallway.

A key takeaway for investors is that not only can you buy an office unit at lower cost, typically you can also demand higher rent. Burtnick explains that “(Residential) condos are renting anywhere around $2.50 to $3 per sq. ft. on a monthly basis. By that I mean if you have a 1,000-sq.-ft. condo unit, it would rent anywhere from $2,500 to $3,000 per month. Whereas office space could land a higher price per sq. ft. – depending on location. There are office spaces that rent for more than $100 per sq. ft.”

Additionally, with office condos, investors would deal with a different type of tenant, one who is potentially more reliable. When renting a residential condo, you get a wide range of tenants – students, first-time

renters and families. However, when renting to a company, your tenant has cash flow and is generating income on an ongoing basis.

Office condos do have their risks – one of which is the mere newness of this product. “The concept is a bit newer in Toronto. Everyone understands residential condos here, but office condos require a bit more education... they’re very popular in Europe and in Asia – they’ve had them for a long time and people understand them. Office condos are treated just like residential condos, in the sense that they understand the ownership of them and the condominium rules, and how they operate.”

There’s also the issue of higher property taxes on commercial spaces, Burtnick points out. “Residential is approximately one per cent of the assessed value, and it’s almost three per cent on the assessed value of commercial space.”

While business owners have been the first to jump on this opportunity, slowly adopting the age-old homeowners’ “Why rent when you can own?” mentality, individual investors might be the next in line to tap into the office-condo trend. Says Burtnick, “the tale will be told over time on what type of ROI they’re getting.”

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Neighbourhood Profile

Mississauga City Centre

Fast facts Average household income

$125,503

Family structure

By Lydia McNutt FAMILIES

COUPLES

SINGLES

40%

35%

25%

Own vs. rent

93%

c

S

OWNERS

7%

RENTERS On tap

21%

18%

17%

COORS LIGHT

STELLA ARTOIS

ALEXANDER KEITH’S

MORE PHOTOS ONLINE ypnexthome.ca/mississauga

FORTY YEARS AGO Mississauga was

little more than farmland. Today, it is among the fastest-growing areas of the GTA. And while for downtown Torontonians, this west-end ‘hood may still be considered a sleepy suburb, Mississauga City Centre is far from it. And like any notable “downtown,” the area boasts eyepopping architecture in the form of the Absolute World towers, whose sultry silhouettes have made their mark on Mississauga’s skyline, and the international architectural stage.

The first thing that jumps out at you as you stroll the streets of Mississauga City Centre are its gleaming glass towers which mingle with lush, leafy trees on the jagged skyline. While you may need a car to get here (unless you’re lucky enough to call it “home”), once you’re here you’ll find that downtown Mississauga is highly walkable and livable, with employment, shops, services, dining and entertainment within a short stroll. For trips further afield, Mississauga City Centre is also a public transit hub, and boasts easy

access to Hwy. 403, the 401 to the north and the QEW to the south.

The vibe Mississauga City Centre immediately evokes that feeling of “new,” reflected in glistening glass towers (and seemingly ever-present cranes and construction), young trees lining the streets, and the young residents to match – ‘new’ either in age, or in Canadian residency.

Meet the neighbours Young single professionals, couples just starting out together, downsizers and empty-nesters, as well as some small families (think one kid and maybe a little dog). Culturally speaking, it’s a potpourri.

In the area The neighbourhood boasts some of Mississauga’s better-known landmarks, like Square One Shopping Centre, the Living Arts Centre and Celebration Square. It’s also home to a wide range of cultures which flavour its leisure landscape with a veritable

SOURCE: ENVIRONICS

world-tour of restaurants and festivals to take in.

Planes, trains and automobiles The City Centre Transit Terminal is the hub for Mississauga’s MiWay public transit. You can also catch a Zum bus into Brampton, or connect to the TTC Islington subway station. GO Transit from the Square One terminal takes you beyond the city limits.

Driving? Hurontario is the living spine of the city, and Hwy. 403 marks the neighbourhood’s northern boundary.

Dollars and sense Mississauga is still relatively affordable when you compare its downtown real estate to that of downtown Toronto.

And the gap between lowrise homes in the 905 and 416 is even greater.

Aside from price, you get more bang for your buck out west, where the homes generally offer more square footage than its Toronto counterparts.

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IN

» »

NOVEMBER 5 - 19, 2016

central north SHOWCASING NEW HOMES IN THE GTA’S CENTRAL & NORTH REGIONS

IN THIS SECTION

» MAPS AND LISTINGS FOR NEW-HOME COMMUNITIES IN THE CENTRAL AND NORTH REGION » BUILDER NEWS AND THE LATEST IN NEW HOMES IN THE CENTRAL AND NORTH REGION NOVEMBER 5 - 19, 2016 | NEW HOME GUIDE 61

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Trending

We shoot, we score!

New arenas boost real estate values

By Wayne Karl

GREAT NEWS, SPORTS FANS. The common belief that

new arenas and sports stadiums are slam-dunk wins for their billionaire owners and millionaire players, but big fat goose eggs for the local economy… Well, that could be dead wrong. A new report not only suggests the opposite, but says such projects actually boost surrounding real estate values.

The one key proviso is that tax increases to help foot the bill can’t be part of the plan.

The Impact of Stadium Construction on Real Estate Values, from the Real Estate Investment Network (REIN), explores the affects – positive and negative – new arenas, such as the newly-opened Rogers Place in the Ice District in Edmonton, have on real estate values.

Highlights of the report include: » An arena’s positive impact on housing values can be felt most within a five-km radius and has the largest effect when appealing architecture, community plazas, park landscapes, retail, commercial and entertainment spaces, and the stadium’s construction itself are incorporated into its design. » A negative effect on property values is felt when the costs of a proposed stadium necessitates the increase of property taxes. » Homes in neighbourhoods close to new stadiums, on average, have premiums ranging between three and 15 per cent, depending on the different types of housing, parking options and the distance from the facility. » Housing values increase on average 1.75 per cent for each 10 per cent decrease in distance from a stadium, with the positive price increase being highest for homes closest to the stadiums and decreasing gradually outwards within the five-km radius.

When a stadium is located outside the downtown core, and is not connected to any other economic development activities or urban redevelopment program, residential properties around the facility will still see a positive increase in value. However, this increase will not be as dramatic as those that are built in, or with nearby accessibility, to the Central Business District.

While proximity to the stadium usually results in the largest price increases, the regular presence of fans may lead to a constant source of noise, incivilities, traffic …continued on page 64

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congestion and a scarcity of parking. These are all factors with the potential to create a price depreciating effect.

The conclusions are somewhat surprising, given previous perceptions that such projects yield little real economic boost, and that a city’s health depends mostly on its economic fundamentals and infrastructure.

“The presence and subsequent impact on the value of infrastructure is quite unrelated to the economic fundamentals, which reign as having the most impact on real estate values in the short, medium and long term,” says Melanie Reuter, REIN’s director of research.

The findings regarding arenas can be likened to the impact of transportation improvements such as LRT stations, she adds.

“Think of the infrastructure findings (transportation and arenas) as a micro effect, compared to broader and deeper fundamentals. So, once you choose a place to invest based on strong fundamentals, give yourself an additional lift by investing around an arena or an LRT station.”

In Canada, while hockey may be the number one sport, a project’s positive impact on real estate values is unrelated to the type of sport – or even whether a team is a winner.

“Surprisingly, type of sport and whether a team is winning or losing has little impact on the results,” Reuter says.

More important factors are proximity to downtown (positive), ample parking (poorly planned or non-existent parking can have a negative impact on values) and integration with the surrounding community.

Incorporating mixed and constant uses – think bars, offices, shops, outdoor spaces – was also key, as was access to good transit.

“Equally important is nearness to the arena,” says Reuter.

“Properties within walking distance (one kilometre) saw the biggest price jumps, and the impact diminished the farther out one went, until there was no impact past four kilometres.”

Edmonton’s Rogers Place, future home of the NHL’s Oilers currently under construction and scheduled to open for the 201617 season, is a good example of a pro-sports facility with spinoff benefits to the local economy. It is being constructed in the heart of downtown Edmonton, has well laid-out urban design plans, and excellent links to public transportation, REIN says. By creating an entertainment district around the arena, hundreds of local amenities

will be available for neighbouring residents.

The list of planned projects for the Ice District is “staggering,” REIN says, with $2.5 billion in downtown development directly connected to Rogers Place.

Projects, all opening in 2016, include: » The NHL arena, with a capacity of 18,641 for hockey and 20,734 for concerts » A community arena, home to the MacEwan University hockey teams, practice facility for the Oilers and junior Oil Kings, and available for community rental » Edmonton Civic Tower – 27-storey tower that will house more than 65 per cent of the City of Edmonton’s downtown employees » Grand Villa Edmonton Casino – 60,000 sq. ft. of world-class gaming, dining and live entertainment » New headquarters for the Oilers Entertainment Group » MacEwan LRT Station, one of three LRT stations within a five-minute walk of the district Other components are slated to open from 2017 to 2020, including more than 1,000 residential units, some of which will be premium condos located atop a four-star hotel.

“Edmonton appears to have nailed it on all fronts,” Reuter says.

A similar downtown project is under discussion for Calgary. “As long as Calgary follows Edmonton’s lead, it should be a successful project for property owners around the project.”

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Inspiration | STYLE FILE

DESIGNING YOUR

CHILD’S ROOM FOR TODAY AND TOMORROW

By Jo Alcorn

DESIGNING A CHILD’S room can seem like a daunting task that comes with a hefty price tag. Add in the belief that a child’s room needs to re-done every few years as they grow and their tastes change, and this task goes from daunting to discouraging. But it doesn’t have to be.

First and foremost, think long term. The design should incorporate elements and furniture that can grow with your child through their years, carrying them from childhood to tweens to their teen years. Don’t get carried away with a character themed room; think more generic, with colour choices and include small, replaceable (read: economical) objects to incorporate their latest character obsessions.

In each of the tween rooms that I recently worked on, I created reading zones. In the girl’s room I included a great HomeSense find – this chair and pink puff will be ideal for entertaining friends when that time comes; but for now, we’ve added a faux sheep skin to make it the ideal spot for her curl up with a favourite book and drift off into

fantasy land. I also added in a great reading light from Bouclair.

In the boy’s room, I wanted to add a zone where he could read, play games, hang out with friends and act as an extra sleeping spot for guests (pending their age and size). A lounge chair from IKEA was the perfect fit and durability for a

child. It provides a relaxing spot to kick back with his feet up, for reading alone or for curling up with a parent. This chair’s purpose can be transformed as he grows up, and might even move out with him!

Storage for kids is key. They have so many little toys, gadgets and books, that it’s great to be able to

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“Storage for kids is key.

They have so many little toys, gadgets and books, that it’s great to be able to stow them away so the floor doesn’t become a clutter zone.” stow them away so the floor doesn’t become a clutter zone. In the girl’s room, I chose chest storage with pull out bins and doors from IKEA. This is another piece that is really timeless. You can fancy it up in the early years to be a dress-up station, while in later years it can be used for clothing storage, art supplies and more.

The bed I selected for the boy’s room has a desk under it and tons of storage (Stuva Loft Bed from IKEA).

There is open shelving where we added in bins for toys and books – and a side closet that can be used for clothing or more toys. …continued on page 68 NOVEMBER 5 - 19, 2016 | NEW HOME GUIDE 67

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…continued from page 67

Play with textures and colours – don’t get stuck on the traditional.

Allow smaller accessories to be the themed items so they can easily be changed and updated as your child grows. Patterned baskets allow for quick clean-ups and add some fashionable elements to the space.

Fun pillows and throws are budget friendly and can transform the design and mood within seconds.

For instance, in the girl’s room, I chose HomeSense bedding from their adult line, which is feminine by not childish. Also, going with the double size instead of twin means the bedding doesn’t have to be changed when she’s ready for a bigger bed.

For the boy’s room, I chose to work with a light grey paint from Para, knowing that this room will need to age well and be cool for many years to come. The natural grey is a colour that allows the room to feel warm but is not the focal point in the room. Using a lighter colour on the walls allows the pieces within to standout. As he grows and refines his tastes, these grey walls will coordinate with future room modifications.

I love to bring colour and life into a room through artwork; it’s an easy way to update and refresh any space. It also adds a personal touch by including drawings and artwork created by the room owner. For kids who love to draw or paint, having a home for their masterpieces, and one that can be updated at whim, adds a touch of their own personality to their room.

Have fun shopping and creating your child’s ideal room for now and the future. This is the space where your child will dream, read, dress and grow, so go ahead and enjoy designing this space for them.

“Patterned baskets allow for quick clean-ups and add some fashionable elements to the space. Fun pillows and throws are budget friendly and can transform the design and mood within seconds.”

MORE ADVICE ONLINE ypnexthome.ca/news/advice

Jo Alcorn is a celebrity designer specializing in small spaces and design solutions for all budgets. She is the interior expert on HGTV’s new show Critical Listing, and shares her expertise regularly on TV and through her monthly column at the Toronto Sun. Visit whitewashco.ca

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Inspiration

the

SCOOP

Catch up on decor + reno news, inspiration, style + more

By Elisa Krovblit

Scoop the look!

DINING IN RUSTIC CHIC

‹ Geometric Lantern Ceiling Lamp $120 | bouclair.com

‹ Winnetka Extendable Dining Table $2,699 | crateandbarrel.com

Rustic Chic Dining Room homesense.ca

‹ Valby Ruta Rug 81 by 94 in. $149 | ikea.ca

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

In love with design and decor, Elisa is the editor of Renters Guide, Home Decor & Renovations and Commercial Investor. When not searching out some unusual solutions to her century home’s reno projects, she’s busy discovering the next best thing in Toronto. Elisa.Krovblit@ypnexthome.ca

NOVEMBER 5 - 19, 2016 | NEW HOME GUIDE 69

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Inspiration

Reclaimed wood A trend we hope never ends

By Jackie Marchildon RECLAIMED WOOD isn’t a new trend in interior design, but it’s certainly an interesting one that continues to gain momentum. At the Interior Design Show 2016 (IDS16), we caught up with five wood-working companies to see what they have in store for this year.

Zenporium Displaying the first piece that caught my eye at IDS16, Zenporium speaks to a louder issue by using only guiltfree wood, or “reclaimed, salvaged or sustainable wood,” as co-owner Serene Gebara explains it. On top of being good to the environment, this company also happens to create some stunning furniture including a desk made with pieces of wood from an old boat.

Wood Anchor One of the most minimalist and interesting booths at IDS16, Wood Anchor’s set-up showcased its windrow table and stunning imbue light above it. Based out of Winnipeg, Wood Anchor creates sculpture furniture such as using salvaged trees and in this case, aluminum for the frame of the chandelier-like fixture.

Zenporium, zenporium.com

Wood Anchor, woodanchor.com

Zenporium, zenporium.com

Metalwood Studio, metalwoodstudio.com

Wood Anchor, woodanchor.com

Artemano Not all this company’s pieces are made using repurposed wood, as many are sourced from recycled wood from old fishing boats, railroads or home construction projects.

Artemano’s furniture successfully showcases the versatility and warmth of wood in interior design.

most often create furniture from a nostalgic piece of wood in clients’ lives — the idea is that a tree from your grandparents’ backyard could become a beautiful centrepiece in your family room.

Storyboard Furniture With a “from tree to table” mentality, Storyboard Furniture designs furniture from ill-fated or fallen trees. Pieces are especially beautiful because they

Metalwood Studio Working with salvaged wood, Metalwood Studio regularly relies on Century Mill Lumber to source its materials. Their wood is locally sourced and often from fallen trees or trees cleared by selective logging. Pieces come in all shapes and sizes, and because no tree is the same, they are all one-of-a kind.

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

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Paradise Developments has been featured as “Model HOME Of The Month” as seen in the New Home Guide model home calendar

Model Home Photo Compliments of Paradise Developments

www.paradisedevelopments.com

Elegance meets contemporary design at Paradise Developments’ model home at Impressions of Kleinburg. Open, airy space, dramatic ceiling heights and impressive wood flooring are just some of the refinements that make this home spectacular. The Dover Model, 3,400 sq. ft.

NOVEMBER 2016

Trending

Minto unveils Ontario’s first Net Zero Energy townhomes Filled with energy efficient features, Minto’s NZE townhomes are the first of their kind in the province MINTO COMMUNITIES CANADA has

introduced the first Net Zero Energy (NZE) multi-family residential complex in Ontario. The block of four Minto executive townhomes is located in its Kanata community Arcadia.

“This project addresses affordability in Net Zero Energy homes, bringing competitively priced NZE homes to the market,” says Susan Murphy, vice-president of land development at Minto Communities Canada.

“What was once only available in one-off, high performance custom homes, is now more accessible to the average consumer.”

Built as part of a Canada-wide Natural Resources Canada (NRCan) program, these four newly designed townhomes are projected to deliver a 65-per-cent reduction in total home energy consumption. The townhomes complement The Killarney Net Zero Show Home at Arcadia, which was a finalist for the 2016 Award of Distinction for the Most Outstanding Production Built Home by the Ontario Home Builders’ Association.

Minto’s Executive NZE Townhomes start at $352,900 and include many standard features you would expect in a single-family home – spacious nine-ft. ceilings, open concept kitchens with islands, ample closet space and some with mud rooms and laundry rooms on the second floor.

But the Net Zero Energy townhomes have also been designed with the ability to generate as much energy as a family would consume over a year.

ABOVE

Left to right, Philippe St. Jean, Chief, Energy Technology Policy, NRCan; Kevin Lee, CEO, Canadian Home Builders’ Association; Karen McCrimmon, Member of Parliament for Kanata-Carleton; Susan Murphy, Vice-President, Land Development at Minto Communities Canada; Marianne Wilkinson, Kanata North Councillor, City of Ottawa; Derek Hickson, Manager, Sustainable Developments, The Minto Group; John Herbert, Executive Director, Greater Ottawa Home Builders’ Association; Robin Sinha, Director, CanmetENERGY, NRCan.

Key features included in Minto’s executive townhomes include: » Owens Corning CodeBord air barrier system to help retain warmth in colder seasons and protect against drafts 72 YPNEXTHOME.CA

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LEFT

Kevin Lee, left, CEO, Canadian Home Builders’ Association, presents the first CHBA NZE townhouse certification to Susan Murphy, Vice-President, Land Development at Minto Communities Canada, and Derek Hickson, Manager, Sustainable Developments, The Minto Group.

MORE TRENDING ONLINE ypnexthome.ca/news

» Two extra inches of exterior insulation » Triple pane high-performance windows » Heat pump technology used for space and water heating » Solar (PV) panels for electricity generation » LED lighting » A drain water heat recovery system » High efficiency water fixtures » An advanced energy monitoring system to keep homebuyers informed on their energy consumption Present to mark the unveiling was Karen McCrimmon, member of parliament for Kanata-Carleton and parliamentary secretary to

the Minister of Veterans Affairs and Associate Minister of National Defence, on behalf of the Honourable Jim Carr, Canada’s Minister of Natural Resources. She was joined at the podium by Kevin Lee, chief executive officer of the Canadian Home Builders’ Association.

“Net-zero energy homes demonstrate the economic and environmental benefits of energy efficiency,” says McCrimmon.

“They are a viable way to create sustainable jobs, protect the environment and advance a cleanenergy economy. Through sustained commitment and innovation, Minto Communities Canada is making it easier for Canadians to save energy, save money and reduce energy

consumption.”

“These are the first townhouses in Canada to be labeled under the CHBA Net Zero Home Program,” says Lee. “They are a great example of Canadian home builders delivering quality and value for families across the country.”

“Investing in innovative energyefficiency initiatives is key to the Government of Canada’s approach for growing the economy and protecting the environment. These net-zero energy townhomes are a great example of the kind of leadership and innovation we will continue to champion in the move toward achieving a low-carbon economy,” says Carr, Canada’s Minister of Natural Resources.

NOVEMBER 5 - 19, 2016 | NEW HOME GUIDE 73

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50 ft. Ravine Lots

Hot Properties

Sales Event

*

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

LATEST LISTINGS

GATES OF NOBLETON By: Tribute Communities City: Nobleton Housing type: Collection of 50-, 60-.

70- and 80-ft. detached homes mytribute.ca

TRAFALGAR RIDGE By: Dunpar Homes City: Oakville Housing type: Luxury, three-bedroom townhomes from the mid $600’s dunparhomes.com

SPICE URBAN TOWNS By: Hi-Rise (West) Inc. City: Toronto Housing type: Bungalow and two-storey urban towns with rooftop terraces from mid $300’s spiceondanforth.com

MILL STREET VILLAGE – BALLYMORE HOMES

Come and see why over 300 families already call Mill Street Village home!

TRAILS AT

Tottenham’s master planned community offering exceptional value with CARDINAL POINT a beautiful selection of 50’ homes!

By: Geranium Homes

new openings

City: Stouffville Housing type: Limited collection of freehold towns and single-family ravine homes geraniumhomes.com

View our 2 Fully-Furnished By: Aspen Ridge Homes City: Vaughan Model Homes Housing type: Stylish modern townhomes KLEINBURG GLEN

CHELSEA MAPLE STATION

across from the Maple GO LUXURY 50’ SINGLES aspenridgehomes.com

STARTING FROM

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By: Gold Park Homes City: Kleinburg Housing type: Collection of luxury homes in a prime location, from the upper $600’s goldparkhomes.com

$

LUX FEATURURY BONUS ES & PACKA * new •releases Stained GE hardw through ood flooring out* th ceilin HOLLAND HILLLSBOROUGH gs on m ain floo • Granit LANDING r* e kitche n counte By: Andrin Homes rs* • Cornic e mould City: East Gwillimbury ing Housing type: Detached homes*on 38-, 40• Smoo

and 45-ft. lots, starting from the low $800’s andrinhomes.com

CORNELL ROUGE By: Madison Homes Homes T O Tand T EForest N H Hill AM City: Markham Housing type: Freehold townhomes and single-family homes from the mid-$800s cornellrouge.com Sales Office Hours:

By: Primont Homes Mon. - Thurs.

1pm - RIDGE 8pm PARK Friday by appointment City: Brampton COUNTRY LANE By: Tribute Communities Sat. & Sun. 11am - 6pm Housing type: Final phase of masterBy: Andrin Homes and Heathwood HomesSales Office:City: 6490 Oshawa 4th Line *See Sales Rep. for all the details. Prices and specifications are subject to change without notice. All renderings are artist’s concept. E. & O. E. planned community of townhomes City: Whitby Housing type: Detached community offering primonthomes.com Housing type: Detached homes on 26-, 3636-, 40- and 50-ft. designs

millstreethomes.com

BLUE SKY By: Fieldgate Homes City: Stouffville Housing type: 36-, 40- and 50-ft. singledetached homes from the $900s fieldgatehomes.com

BALL-MIL-A-AD-NHC-SEP13-3.indd 1

and 45-ft. lots countrylanewhitby.com

MILL STREET VILLAGE By: Ballymore Homes and Briarwood Homes City: Tottenham Housing type: 50-ft. singles starting from the high $790s. millstreethomes.com

mytribute.ca

THE ENCLAVES OF UPPER CANADA 2016-09-13

By: Menkes City: Georgetown Housing type: 40-ft. detached homes starting from the mid-$800s menkes.com

2:02 PM

…continued on page 76

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2016-09-30 2016-09-26 12:45 3:00 PM

SHOWCASING THE

best builders & top communities across the GTA

Exploring the GTA’s top builders and developers

THE EXPERTS WEIGH IN:

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Exploring Ottawa’s top builders & developers

EXPLORING Southwestern

EXPERT PANEL Guiding you through the homebuying process

5 REASONS 2016 is a good year to buy a home

Ontario’s top builders & developers EXPERT PANEL

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Guiding you through the homebuying process

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Guiding you through the homebuying process Bungalows, unicorns & flying cars THE FUTURE OF HOUSING IN ONTARIO

Questions to ask when considering a condo investment

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2016 MODEL SUITE CALENDAR

2016-03-15 5:29 PM

2016 MODEL HOME CALENDAR

AN EXCLUSIVE COLLECTION OF THE GTA’S MOST BEAUTIFUL CONDOS

AN EXCLUSIVE COLLECTION OF THE GTA’S MOST BEAUTIFUL NEW HOMES

2016 MODEL HOME CALENDAR SEASONS IN CALEDON | PRIMONT HOMES

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HIGHLAND RIDGE | EASTFOREST HOMES

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AN EXCLUSIVE COLLECTION OF SWO’S MOST BEAUTIFUL NEW HOMES AND CONDOS

11/26/15 12:27 PM

2016-10-25 4:35 PM

LATEST LISTINGS

Find your next home! Find more properties at ypnexthome.ca

…continued from page 74

preview registration

COUNTRY LANE – ANDRIN HOMES

WOODHAVEN AURORA By: Brookfield Residential City: Aurora Housing type: 30- to 50-ft. detached homes starting from $1 million woodhavenaurora.ca

GLENWAY PHASE 2 By: Andrin and Lakeview Homes City: Newmarket Housing type: A new collection of townhomes, and 50- and 55-ft. singles. glenwayliving.com

WHITBY MEADOWS By: Fieldgate Homes City: Whitby Housing type: 30-, 36- and 42-ft. singles, semis and freehold towns. fieldgatehomes.com

AFFINITY CONDOMINIUMS

BOXGROVE VILLAGE

By: Rosehaven Homes City: Burlington Housing type: Two contemporary mid-rise condominium buildings from the high $200s rosehavenhomes.com

By: Arista Homes City: Markham Housing type: Family sized freehold townhomes and live/work towns boxgrovevillage.com

VISTA

ANCHOR WOODS

By: Geranium Homes City: Stouffville Housing type: Condominium one-storey flats and two-storey towns from the high $300’s vistaflatsandtowns.com

By: Rosehaven Homes, Andrin Homes & Regal Crest Homes City: Holland Landing Housing type: 45- and 38-ft. detached and semi-detached homes anchorwoods.ca

VICTORY HEIGHTS By: Treasure Hill Homes City: Vaughan Housing type: 40- and 42-ft. luxury singles at Eagles Landing Road and Dufferin Street treasurehill.com

BELLE AIRE SHORES

REAL TOWNS By: Madison Homes City: Thornhill Housing type: Townhomes starting from the $900’s madisonhomes.ca

By: Fernbrook Homes, Pristine Homes & Zancor Homes City: Innisfil Housing type: Coming this spring – townhomes and 36-, 42-, and 50-ft. singles belleaire.ca

By: Mattamy Homes City: Pickering Housing type: Affordable townhomes alongside greenspaces and other amenities mattamyhomes.com

VILLAGE GREEN

THE LOGGIAS IN RICHDALE

By: Averton City: Mount Albert Housing type: Family-size townhomes with up to three bedrooms from the high $500s. averton.ca

SEATON TAUNTON

By: Senator Homes City: Richmond Hill Housing type: Luxurious 40-, 50- and 60-ft. detached homes on deep lots senatorhomes.com

THE VILLAGES OF KILLARNEY BEACH By: Ballymore Homes City: Innisfil Housing type: Detached homes on 40- and 50-ft. lots. Prices starting from the mid-$500’s ballymorehomes.com

DOWNSVIEW PARK By: Stafford Homes City: Toronto Housing type: Three- or four-storey townhomes from the $800s. staffordhomes.ca

THE BROOK By: Delpark Homes City: Oshawa Housing type: Single-family homes on 30-, 36- and 40-ft. lots thebrookhomes.com

KLEINBURG SUMMIT By: Mattamy Homes City: Vaughan Housing type: Upscale towns and detached homes mattamyhomes.com

Builders If you would like to include your preview registration, new release or site opening in this feature, just email the details to wayne.karl@ypnexthome.ca

76 YPNEXTHOME.CA

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Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS

variable

ATB Financial

2.4

Alterna Bank

2.45

Bank of Montreal Bank of Nova Scotia

1 year

2 years

3 years

4 years

5 years

4.1 4.10op 4 6.30op

3.04 4.10op 2.79 6.30op 3.09 6.95op 3.29 6.50op 3.14 6.30op 2.84 6.35op 3.14 3.14 6.35op 2.84 3 3.20op 3.14 6.70op

2.39 4.10op 2.69

2.54

2.59

2.59

2.49

2.69

2.48

3.19

3.59

4.09

2.59

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.79

2.44

4.09

4.79

3.04 2.7

3.65 3.39

4.39 4.09

4.64 2.7

2.84 2.94

2.84 2.84

2.89 2.79

2.89 2.89

3.04

3.39

2.64

2.74

2.79 2.34

3.34 2.44

3.99 4.39

4.44 4.64

2.84

3.39

2.39

2.59

3.24

3.49

3.69

3.79

2.7 2.9

Canadian Western Bank CIBC

6 months

6.95op 4.55 6.45op 4 6.45op

2.7 6.95op

Equitable Bank HSBC Bank Canada

2.79

ICICI Bank Canada Manulife Bank

2.75 2.6

National Bank

n/a

President’s Choice Finan Royal Bank

2.7 2.6

TD Canada Trust

2.6

Tangerine

2.7

4.45 6.20op 4.45 4.4 6.70op

6.75op

3.14 6.75op 2.99 6.30op 3.19

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Investors Group Trust

2.25 n/a

MTCC

2.9

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op

3.25 3.5

3.95 3.7

4.39 4.3

4.64 4.35

2.14 3.09

2.34 3.39

2.59 3.89

2.49 2.45

3.09

3.39

3.89

4.49

4 6.30op 6.2 6.40op 3.1 4.25 6.50op 4.2 6.50op

2.79 6.30op 2.84 6.30op 2.29 2.89 6.50op 3.14 6.30op 3.25 6.25op 2.84 6.30op 2.99 6.30op 2.8 2.95op 2.39

2.69

2.49

2.69

2.48

2.89

2.95

2.99

2.89

2.24 2.79

2.39 2.89

2.49 2.95

2.59 2.89

3.09

3.39

3.89

4.64

3.2

3.65

4

4.5

2.79

2.64

3.89

2.44

2.69

3.49

3.99

4.54

2.85

2.95

3.05

3.15

2.39

2.39

2.49

2.49

OTHER FINANCIAL INSTITUTIONS Alterna Savings

2.45

Comtech Fire C.U.

2.45

First National Fin. LP IC Savings

2.7

London Life

n/a

Luminus Financial

3.25

Meridian Credit Union

2.4

PACE Savings & C.U.

4 5 6.70op

Parama Credit Union

2.65

Steinbach Credit Union

2.25

ONLINE CALCULATOR ypnexthome.ca/mortgage-calculator Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice.

R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE Oct 24, 2016. Prepared By Fiscal Agents Financial Information Services 905.844.7700

NOVEMBER 5 - 19, 2016 | NEW HOME GUIDE 77

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What’s Online

Trending now The latest real estate news from across Canada

The short- and long-term benefits of upgrades READ THE STORY ONLINE

The world’s most haunted apartment buildings

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GTA_M

projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

21

Averton Homes

Main Street Seaton

289-545-0022

from $400,000

70

25N

Brookfield Residential

Foxtrail

foxtraillife.ca

from $470,000

43

27G

25

Fieldgate Homes

Whitby Meadows

fieldgatehomes.com

D

T

31

28N

BC

Mattamy Homes

Queen’s Common

mattamyhomes.com

D

T

91

27O

Mattamy Homes

Seaton

www.mattamyhomes.com

D

T

Treasure Hill Homes

Shift

treasurehill.com

Treasure Hill Homes

Urban Town Living

treasurehill.com

Tribute Communities

Corporate

mytribute.ca

D

Tribute Communities

Park Ridge

mytribute.ca

D

Tribute Communities

U.C.Towns

mytribute.ca

D

Andrin Homes

Hillsborough Holland Landing

andrinhomes.com

D

Aspen Ridge Homes

King Country Estates

905-558-0255

D

Aspen Ridge Homes

Queensville

yourqueensville.ca

D

21

Averton Homes

Victoria Highlands

416-924-0110

D

21

Averton Homes

Village Green

Averton.ca

Ballymore Homes

Mill Street Village

millstreethomes.com

Ballymore Homes

The Villages of Killarney Beach

ballymorehomes.com

from $830,000

Brookfield Residential

Fieldstone

1-855-379-1495

Brookfield Residential

Grand Central

905-778-0873

Brookfield Residential

Treetops

1-855-590-3577

Brookfield Residential

Willow Glen Tottenham

905-406-1044

63

ELM Developments

Georgian Sands

georgiansands.com

17

Great Gulf

Hillsborough Holland Landing

greatgulf.com

Great Gulf

Sharon Village

905-478-7362

Great Gulf

Summerlyn Village

905-775-3461

Mattamy Homes

The Estates of King Township

mattamyhomes.com

Rosehaven Homes

Anchorwoods Holland Landing

anchorwoods.ca

Treasure Hill Homes

Acacia Estates

treasurehill.com

Treasure Hill Homes

The Estates of King Township

treasurehill.com

Tribute Communities

Gates of Nobleton

647-633-3500

Aspen Ridge Homes

Mayfield Village

905-230-2592

D

Averton Homes

Averton Square

Averton.ca

D

Brookfield Residential

The Village

1-866-930-0050

Carriage Gate Homes

Legacy Ancaster

carriagegatehomes.com

D

Fieldgate Homes

City Towns Valley Lands in Brampton

fieldgatehomes.com

D

Fieldgate Homes

Lotus Pointe Caledon

905-838-2806

D

Fieldgate Homes

Valley Lands

905-457-0445

D

Great Gulf

Trafalgar Landing

905-844-1605

Great Gulf

Westfield

905-866-6876

Mattamy Homes

Cranberry Hill

mattamyhomes.com

Mattamy Homes

Hawthorne South Village

mattamyhomes.com

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

Mattamy Homes

The Preserve

mattamyhomes.com

Mattamy Homes

The Village of Southfileds

mattamyhomes.com

Mattamy Homes

Topper Woods

mattamyhomes.com

19

27

SITE

CONTACT INFO

continued from page 80 PROPERTY TYPE

PRICE RANGE

from $350,000

PIN

MAP FINDER

44

24N

70

25N

70

25N

from $750,000

88

31N

from $556,000

71

30M

from $820,000

51

18E

18

13I

from $550,000

46

20D

T

North

33

19

T

S

S

from $850,000

69

23E

T

from $590,000

69

23E

T

from $560,000

20

12E

from $600,000

76

5E

from $600,000

47

16D

from $370,000

49

13A

T

from $330,000

19

11E

T

from $240,000 from $750,000

51

18E

from $600,000

65

20E

from $700,000

52

17D

74

16I

86

19E

56

16J

87

16I

D T D T D

S T

from $2360,000

D T

from $1000,000

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Central 5

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East 21

continues on page 79

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Baxter

Line

Line

Line

Line

10th

8th

11th

a

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Ar t

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5th

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4th

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Prince

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Jones Ave Pape Ave

Jarvis St

Parliament St

40

Ave

35

34

University Ave

Se

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Bloor St W Harbord St Wellesley St College St Carlton St Gerrard St

Queen St W King St W Front St W

Eg

3

Moore Ave

Bro adv iew

Christie St

ve

36

Laird Dr

Avenue Rd

Spadina Rd

St Clair Ave W

Lansdowne Ave

Edgewood Rd

Toronto

Davenport Rd Dupont St

Ossington Ave

Moffat Rd

1

Va ug ha nR d

Mt Pleasant Rd

OakwoodAve

Carey St Rd

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Glencairn Ave

Rogers Rd

Roncesvalles Ave Weston Rd Keele St Parkside Dr High Pk

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Caledonia Rd

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Meddaugh Rd

York Mills Rd

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Wilson Hts Blvd

Sheppa

Dr or ds Win

19 Dr Ford

Middletown Rd

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37

Willow

St rr Ke

Rd

Senlac Rd

Dr

Downsview

Cumm

Willowdale Ave

Drewry Ave

North York

Eastlake

d ell R rtw Cha

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Dr

Middletown

Thorn

Grandra v i ne D

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Runnymede Rd

Prince Edward Dr Royal York

Lake Shore Blvd W

39

Centre St

71

New W estmins ter Dr

Sen tinel

Oakdale Rdy

ay sw

Judson St

Bathurst St

Dufferin St Peter Rupert Ave

407

Keele St

Jane St

Weston Rd

Norfinch Dr Dr

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The Queensway

82

Carrville Rd

Summeridg e Dr

HWY

Old

6

53

Langstaff Rd

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Th

The East Mall

Norseman St

Evans Ave Horner Ave

Dufferin St

Jane St

Weston Rd

Pine Valley Dr

Islington Ave

Kipling Ave

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75

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55

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The Westway

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Teston Rd

McNaughton Rd

Maple Leaf Dr

Etobicoke

Renforth Dr

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Fraser St

Jane St

Wanda St

Holancin Rd

Rd Wist Rd Davis

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Mill Rd Kipling Ave

Martin Grove Rd

400

Gamble Rd

Rd ian Lorne Ind Lorne Pk

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Rexdale

1

Jefferson Si

49

Langstaff Rd

Weston Downs

Bloomington Rd

King-Vaughan Rd

Kirby Rd

Rutherford Rd Bass Pro Mills Dr

73

Dixon Rd

427

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20

Barrie St

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Coffey Rd

Rupke Rd

8th Concess ion

74

56King Rd

11

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Burnhamthorp eR d Bloor St W

Hend

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Sideroad 5

River Rd

Leonard Rd

St ian M

87

409

Carlingview Dr

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Cooksville

Clarkson

403

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McGillivray Rd

Hunting ton Rd

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Westover

King St

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72

Rathburn Rd

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16th Sideroad

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Miller

53

Steeles Ave W

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55

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17th Sideroad

King

7

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Graham Juliana Rd

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Woodbridge

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401

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Queen St Rd lfe Wo Mt

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Oakville

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Tottenham Rd

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30

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Glen Rd y Haff

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Concessio n Rd 5

Concessio n Rd 4

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Elder Mills

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Nobleton

Langstaff Rd

Bramalea

Streetsville

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Linton

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17

Cooney Rd

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G Jewel Rd

Vickers Rd

Gamsby Rd

Lawrence Rd

35 115

Arthur St

Bell-wood Dr

Golf Course Rd

Moffat Rd

Lockhart Rd

King St Stephenson Rd

Mill St

Riley Rd

V

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Waverly Rd

T

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Providence Rd

Lambs Rd

Bowmanville P

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42

Kirby

Ochonski Rd

Bragg Rd

Mearns St

O

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4

Concession Rd 3

Main St

Queen St E

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Nixon Rd

N

Leskard Rd

Cole Rd

Mearns Ave

Bethesda Rd

Concession St 57 Baseline Rd

Acres Rd

Middle St

Presto nva le R d

5th

Sdrd

English Rd

Dukelow Rd

17

Cameron Sdrd

Ma ple

Be ac h

Rd

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Cr

Holmes Point Rd Victoria S

M tP lea sa nt Tr ail

Duclos

Mapl

La ke Dr

Virginia Blvd

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St ou ffv ille

Dick Re

Concession Rd 10

Aked Rd

Clemens Rd

Sew ells

H Corneil Rd 35

Boundary Rd Best Rd

Woodley Rd

r

Lindsay St

al Pkwy

Ted Graham Rd

Concession 2

Murphy Rd

Longsault Rd

K

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M James Rd

View Lake Rd

I

M Clarington

Liberty Rd

Maple Grove Rd

n sto ng Ki

Allan Long Rd

Dovehaven Rd

McLaughlin Rd

7A

Yelverton

St Clair Ave E

Rd rth nfo Da

5 Concession 10

Concession 4

Cedar Park Rd

Maple Grove

Concession 11

Concession Rd 8

Concession Rd 4

Salem

H

20

Lettner Rd

Holt Rd

2

Hancock Rd

401

Rundle Rd

Trulls Rd

34 Bloor St

HWY

Concession 12

Concession 3

Taunton Rd

Nash Rd

G

J

Hampton

Solina Rd

Pebblestone Rd

Courtice Rd

e Murray Av

Concession Rd 6

Washington Rd

59

Vannest Rd

Olive Ave

Solina

Mitchell’s Corners Tooley Rd

Townline Rd

P

ll i p

Old Scugog Rd

Ormiston Rd Langmaid Rd

58 King St

Bond St Gibb St

8855

62 hi

Union School Rd Wotten Rd

Enfield Rd

Grandview St N

Wilson Rd 35

Grandview St N

Ritson Rd

Harmony Rd

54 Adelaide Ave

22 rth St Went wo

60

Townline Rd

Conlin Rd

Park Rd

Stevenson Rd

Burns St

Hoyer Rd

Nestleton Rd

Cartwright West Quarter Line

Sandy Rd

Graham Rd Russell Rd

Simcoe St

Stevenson Rd N

Halls Rd

Pickering Beach Rd

Shoal Pt Rd

Westney Rd

Harwood Ave

Henry St

Salem Rd

Hopkins St

Cochrane St

Brock St

Garden St

McQuay Blvd

Halls Rd

53

Enniskillen 3

Sand Bar Rd

Ogemah Rd

Washburn Island Rd

Rd

Harmony Rd N

Ritson Rd

Thornton Rd

Thickson Rd

Anderson St

Country La

Coronation Rd

Halls Rd N

Ravenscroft Rd

Victoria St

52

Dundas St

Concession Rd 10

Concession Rd 7

Oshawa

28 Ma nn in g Rd 36

4

Mountjoy Rd

57

Janetville

Fallis Rd

Cadmus

Devitts Rd 57

Byers Rd

3

34

Nestleton

McKee Rd

Concession Rd 9

33 16

Whitby

Valentia Rd

Eldon Rd

Beacroft Rd

Mississaugas Trail

He ad

Stevenson Rd N

Duffs Rd

Cochrane St

Cedarbrook Tr

Ashburn Rd

Country La

Kinsale Rd

Columbus

Bradburn Rd

Burketon

Boundary Rd

Winchester Rd

71 2

Barry Moore Rd

Bush Rd

White Rock Rd

Fingerboard Rd

Sim coe St

Diamond Sideroad

Heron Rd

Sideline 2

Salem Rd

Westney Rd

Squire Beach Rd

East Ave Port Union Rd

44

Columbus Rd

3rd Concession

Barry’s Rd

Station Rd

Old Simcoe Rd

Till Sdrd

Grey Sideroad

Bryant Sdrd

Dagmar Rd

Greenwood Rd

24

12

Taylor’s Rd

Sideroad 18

Sideroad 18A

Spadina Sdrd

Marsh Hill Rd

Rd st Ma

Lakeridge Rd Sideline 4

Paddock Rd

Riverside Dr

91

41

26

19

Raglan Rd

Raglan

7 12

Howden Rd

Lyndebrook Rd

3143

Shirley Rd Coates Rd

3

Rossland Rd

Ajax

Scugog Line 3

Malcolm Rd

Edgerton Rd

Church St

2

Myrtle

Brooklin

Taunton Rd

Scugog

t Rd

Mariposa/Ops Bdry

Eldon Rd

Ridge Rd

Blackwater Rd

Sideroad 17

8th Conc Rd

Balsam Rd

Myrtle Rd

Ashburn

5th Concession Rd

31

oin

Eden Rd

Sideroad 18A

Wetheral Sdrd

Sideroad 17

57

Beacock Rd

Scugog Line 2

Brawley Rd

Greenwood

2

Bayly St Sandy Beach Rd

eE Av

Morningside Ave

Lawrence Ave E

Church St

Liverpool Rd

Sheppard Ave

31

HWY

Rd

Reach St

Chalk Lake Rd

Mount Zion

70 Brock Rd

Dixie Rd

Valley Farm Rd

38

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Balsam Sideline 5

Sideline 22

Sideline 22

Whites Rd

Rosebank Rd

Altona Rd

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Scarborough 42

Concession Rd 3

27

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38 West Hill

44

Finch Ave

Sideline 12

Sideline 24

7

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Guildwoo d P

4th Conc Rd

Plug Hat Rd

Meadowvale Rd

Milner Ave

Whitevale

Westney Rd

Sideline 14

Sideline 22

Sideline 24

Pickering

407

Beare Rd

Sewells Rd Old Finch Ave Rd

Sideline 14

Sideline 16

Sideline 20

North Rd

Sideline 28

Box Grove

Neilso n R d

Bellamy Rd

Eglinton Ave E

Dr Brim o rt on Scarborough Golf Club Rd

Daw es R d

Coxwell Ave

Woodbine Ave

Greenwood Ave Donlands Ave

Victoria Park Ave

Midland Ave

Pharmacy Ave

Birchmount Rd

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Brimley Rd

Ellesmere Rd

71

Steeles Ave E

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15

Tapscott Rd

Nugget Ave

Sheppard Ave

Mortimer Ave

Middlefield Rd

Leslie St

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ard Ave

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7

11th Line

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Denison St

404

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Sideline 32

14th Ave

71

Markham Rd

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33lea Blvd

7th Concession Rd

8th Concession Rd

Whitevale Rd

McNicoll Ave

Rd

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7

Passmore Ave

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Reesor Rd

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73

12

John St

69

D on

16th Ave

67

Pine Pt Rd

Jobb Rd

High P

Concession 14

Proutt Rd

Scugog Line 4

F

Mabels Rd

L AKE SCUGOG

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Pine Rd

Claremont

Rd

Ma Brown’s Rd

Epsom

Uxbridge Pickering Townline

5

Elgin Mills Rd

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Ward Rd

Houston Rd

Webb Rd

Altona

Dicksons Hill

48

Major Mackenzie Dr

25

Stouffville 12

Main St

Demara Rd

Whitfield Rd

7

Rainbow Ridge Rd

7 Mile Chandler Dr Island Rd

Utica

Allbright Rd

Sideline 26

Markham Rd

6

McCowan Rd

Warden Ave

mond Hill

65 Kennedy Rd

Victoria Square

Glasgow

47

4

Cottage Rd

7

Harper Rd

Scugog Line 9

HWY

Scugog Line 9

E

Pogue Rd

Clements Rd

17

Kent St

Cross Creek Rd

28

16

Hood Dr

C Little Britain Rd

D

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La

Lin

Long Rd

Ranch Rd

Seagrave ier oz Cr

4

Cricket Hollow Rd

Ramsey Rd

Fenelon Bdry

Dewdrop Rd

Little Britain Rd

Zion Rd

Cookston Rd

Taylor Corners

Cresswell Rd

Salem Rd

Algonquin Rd

8

Ried Rd

Brock Rd

Yonge St

Stouffville Rd

919th Ave

41 49

Secord Rd

Bethesda Rd

14

Sideroad 17A

Shier Rd

Brookdale Rd

21

47

Whitchurch-stouffville Bethesda

Sideroad 17

Brock Rd

St

40 34

Jefferson

ve

43Reach

Medd Rd

Goodwood Rd

HWY

ideroad St 10

wdale

O’Beirn Rd

Uxbridge

Prouse Rd

Sunset Beach Rd

29

47

7th Conc Rd

R

90

HWY

Wagg Rd

Hillsdale Dr

56 Aurora

Kawartha Lakes

Royal Oak Rd

Scugog Line 12

Cragg Rd Canton Rd

8

6th Conc Rd

d

4th Conc Rd

Vandorf Rd

3nd Concession Rd

8

Aurora Rd Lak es

Jesse Thomson Rd

Scugog Line 12

Ball Rd

Roseville

Ballantrae 15

Marsh Hill

23

Siloam

7 12

B

Farmstead Rd

Little Britain Rd

6

Saintfield

Uxbridge

St Johns Rd

Farmstead Rd

Brock-Scugog Townline Rd

Blue Mountain Rd

6

Oakwood

7 7th Concession

Pinedale

Scugog Line 14

1

Feasby Rd

e hor

derson Dr

St John’s Rd

Wesley Cors

11

2nd Concession Rd

72

Woodbine Ave

48 57

Bayview Ave

Wellington St

14

26

Bow St

Cherry St Faulkner Ave

Bogarttown

Lloyd Sdrd

1

St John’s Sideroad

Sandford

Sandford Rd

18

Manilla

7A

Cambray

GrahamRd

13

Victoria Corners Rd

A

Quaker Rd

2nd Concession

Victoria Corners

9

Skyline Rd

9th Concession

6th Concession

Foster Dr

8th Conc Rd

74

Weirs Rd

Goos

33 The Glen Rd 34

46

5th Concession 4th Concession

21

Cameron 9

Rd

Peniel Rd

10th Concession

Islay

Rd

9

Valley

Black School Rd

11th Concession

Sunderland

6

Grasshill

Woodville

32 12

8th Concession

King St

13

Davis Dr

Cedar Valley

Vivian Rd

Lake Ridge Rd

Mulock Dr

Vallentyne

Kennedy Rd

York-Durham Line

Newmarket

P e ff e r l a w

Davis Dr

Leaskdale Rd

Ashworth Rd

31

9th Concession

23

Zephyr Rd

13

6th Concession Rd

68

Weir’s Sideroad

Bales Dr

Udora

Linden

Cannington

Derryville

Vrommanton

St

2

5th Concession Rd

West Franklin

82

30

12

Woodville

King

2

Concession

10

5th Concession Rd

19

39

t

29

Hartley

Lorneville

14th

Brock

10th Concession

Fowlers Rd

4th Concession Rd

ain M

Herald Rd

St

Foot Dafoe St St

Green Lane

Ravenshoe Rd

Brewster Rd

Zephyr

69

9th Concess ion

Rd Franklin

38

Prout Rd

Mount Albert Rd

13

12

Cedarbrae

3rd Concession Rd

Rd

Centre St

ng ndi La

65

28 13th Concession

Wilfrid

Rd

Q u a r ter

Lorneville

46

Brock-Thorah Townline East

Concession

21

Old Shiloh Rd

39

Hollingers Rd

Doane Rd

Farr Ave

13

Smith Blvd

Meyers Rd

Orchard Ct

77

Hornes Rd

Bridle Path

51

2nd Concession Rd

48

Queensville Sideroad

27

Concession Rd 3 Thorah

Concession Rd 2 Thorah

48

14th

Cedarbrook Dr Rd

Old Homestead Rd

Georgina

Leitch Rd

Cole Rd

26 Morning Glory Rd

Dr

g Irvi n

81

Brown Hill

Holborn Rd

Queensville

79

Frog St

Boag Rd

Maple Hill

8

46 East Gwillimbury Doane Rd 86

45

51

Ravenshoe

25

18

Park Rd

Leslie St

Sand Rd lla nd

Rd

24

Audubon Way

3

2nd Concess ion

77

ing ter Ca

Boag Rd

Holborn Rd

38

32

Rd

BrockThorah Twnl W

Thorah Beach Port

Point

Virginia

Latimer Rd

Miles Rd Blake Ave

Holland Marsh

10th Line

r’s Sideroad

Lasher La Valley Vie w Dr

Ravenshoe Rd

Cryderma n’s Rd

West ury

Rd st re nc ve Ra

Carley Rd

The Queen sway

Line 12

Morning Sdrd

23

Mile Lane

Pollock Rd

Glenwood Ave

River

Sutton

Maple Beach

Duclos Point

Rd

Island View

Stoney Batter Rd

22

Count ry Bethel Side Rd

COOK’S BAY

Briars 80 Pk

Black Hi

Rd 9 ing

Baldwin Rd

Line 13

Rd

e dge

St gh

21

Morton Ave

1 Ho

Base Line Rd

8A

Church St

Fennell

m Sdrd

3

Lockie Sd Rd

Old Homestead Rd

Gilford Rd

Ho us eR d

Jacksons Point

Park Rd

20

Rd H

Deer Park Rd

Boyers Sideroad

h ore

Dalton Rd

19

Island Grove

Metro Rd

Willow Beach

Rd

DeGrassi Point

The Que ensw ay

3

Line

20th Sideroad

18

4

Roches Point

Harbour St Pine Ave

Killarney Beach Rd

hill

Dr

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39

Lake

S

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Belle Aire Beach Rd

3rd

23

Nantyr Park

Civic Cen tre

20th Side road

Line

Line

Old

7th

6th

Cate r

Nantyr

nisfil

John’s Rd

Barclay

L ak

RELAXED URBAN LIVING IS COMING SOON IN QUEEN’S COMMON Our new Whitby community of Queen’s Common will offer you a genuinely inspiring collection of Townhomes and Detached Designs. Mattamy’s thoughtful designs considers the needs of modern, energetic families.

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