GTA New Home Guide - Jan 25, 2014

Jan 25 - Feb 08, 2014 Volume 22 Issue 2

ASPIRE. aspenridgehomes.com

INSIDE THIS ISSUE

Discover luxury homes in Kleinburg Hills that elevate the art of living.

Two model homes now open.

RISKS & REWARDS OF REAL ESTATE INVESTING

CASHING IN ON YOUR HOME EQUITY

A NEW YEAR, A NEW ATTITUDE

Kleinburg Hills – Kleinburg HARRIS – 40' Corner – 3379 sq.ft.

Kleinburg Kleinburg Hills MODEL HOMES NOW OPEN Hwy. 27 & Major Mackenzie Dr. 40', 50' & 60' Lots Singles from the $800’s 647.921.0381

MODELS HOMES NOW OPEN

Markham Upper Cornell MODEL HOME NOW OPEN Northeast corner of 9th Line & Bur Oak Semis & Singles from the mid $490’s

Richmond Hill Kettle Lakes Club MODEL HOMES NOW OPEN Bayview Ave. & Bethesda Side Rd. Executive Towns from the mid $500’s

Nobleton King Country Estates TWO MODELS East side of Hwy. 27 just north of King Rd. Singles from the $780’s

Brampton Credit Manor Heights NOW OPEN Mississauga Rd. & Steeles Ave. Towns from the $400’s Singles from the $600’s

King City King Oaks MIKE NIVEN MODEL East side of Keele St., south of King Rd. 60', 70' & 80' Singles from $1.1 million

905.554.3446

289.231.2849

905.558.0255

905.216.5155

905.539.0181

Mayfield Village – Brampton BAMFORD – 45' Corner – 2747 sq.ft.

Brampton Mayfield Village NOW OPEN Mayfield Road east of Dixie Road Towns, Semis & Singles from the mid $300’s

905.230.2592

GRAND OPENING IN BRAMPTON

UPPER WEST SIDE IN THORNHILL ESTATES

Thornhill Upper West Side COMING SOON Major Mackenzie & Bathurst Road

Newmarket Woodland Hills COMING SOON Bathurst & Davis Drive

Register now at UWScommunity.com

Register now at aspenridgehomes.com

© Aspen Ridge Homes. Prices and specifications are subject to change. See sales representative for details. All Rights Reserved. E.&O.E. November 2013.

ASPIRE.

aspenridgehomes.com

contents Jan 25 - Feb 8, 2014 || volume 22 issue 2

on the cover

p. 32

community focus features 24 South Brampton

Jan 25 - Feb 08, 2014 Volume 22 Issue 2

Fieldgate Homes

New release of singles, semis and freehold towns at Valleylands

aspen ridge homes

40 Newmarket

CountryWide Homes

Final release of single-family homes at Woodland Hills

Kleinburg Hills: own a luxury home in an idyllic community

74 Woodbridge

Beaverhall Homes

Regency Estates – estate manors in a prestigious neighbourhood

96 Brampton

ASPIRE. aspenridgehomes.com

INSIDE THIS ISSUE

001-NHGTA_01-25-2014.indd 1

Mattamy Homes

Discover luxury homes in Kleinburg Hills that elevate the art of living.

Two model homes now open.

RISKS & REWARDS OF REAL ESTATE INVESTING

CASHING IN ON YOUR HOME EQUITY

A NEW YEAR, A NEW ATTITUDE

14-01-20 2:35 PM

New release coming soon to popular Mount Pleasant North

regular and special features in every issue

4 Editor’s Note 10 Contributors 110 Hot Dates 118 Ad Index columnists

14

BILD

Report

Plenty of work put into provincial consultation

115 GTA Hot Sheet

Two pages of new openings, new releases and preview registrations

in the news

30 42

Finances

Money trumps love when it comes to New Year’s resolutions

The Daniels Corporation

54

RRSPs

72

Economy

78

Tips to find money to begin investing today Canada to benefit from a stronger U.S. economy in 2014

Dunpar Homes

The Ossington: relaxed urban living in the heart of downtown

Celebrating Regent Park’s revitalization

by Bryan Tuckey

20

Fundamentally Speaking When and how to plan your financial future?

40

by Wayne Karl

28

Taxing Issues

Pooling financial resources

by Henry Choo Chong

44 The Mortgage Minute

How to cash in on equity – without cashing out

by Peter Kinch

48 Money Matters

January is “make do” month

by Gail Vaz-Oxlade

52

Industry Outlook

A new year, a new attitude

by Hugh Heron

56

Legally Speaking

Getting your house in order

by Jayson Schwarz

82

Make Your Move

Blizzards, black ice and moving

by Chuck Resnick

homebuyers’ help

36

Book Review

The real risks and rewards of investing in real estate

by Susan Legge

100 Mortgage Intelligence Supersize your mortgage payments

111 Resource Section

Mortgage Calculator and Rate Table

96

//editor’s note

Buying made easy Three simple steps to success

S

Susan Legge

Editor-in-chief Wall2Wall Media

hopping for a home online is a great way to narrow your search, but there’s nothing like visiting the sites, models and sales offices to get down to the nitty-gritty. Before you venture out, here are some pointers: First, be clear about what you want and expect in a new home and in your builder.

Remember, the range of prices in the new-home market generally reflects differences in location, features and home styles. There’s no magic involved. If a builder’s pricing seems out of whack with others in the area, ask for an explanation.

Higher prices could mean better quality materials, finishings, features and service.

Make sure that the price you are paying will deliver the quality you want.

Second, understand exactly what is included with the home you are buying and what is optional. Ask the sales representative to show you samples, and request a “spec” sheet that clearly lists what is included, as well as any upgrade options.

Third, evaluate any promises that have been made during your visit. Is the builder prepared to put them in writing? Hearsay comments should not be included as part of your evaluation process. Sit down with your sales representative, ask questions and discuss your Agreement of Purchase and Sale in detail – then take it to a lawyer before it’s finalized.

Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on Facebook. Search: New Home Guide

Tax time – embrace it Preparing for this unsavoury topic earlier helps reduce the sting at deadline time

W

Wayne Karl

Editor Wall2Wall Media Wayne.Karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl Like us on Facebook. Search: New Home Guide

4 New home guide GTA | jan 25 - feb 8, 2014

e’re approaching February already – a period we often associate with blahs, but also a month worth celebrating, given that it’s the shortest of the year, and March and spring soon follow. And while the deadline for 2013 Registered Retirement Savings Plan contributions isn’t until March 3, and April 30 for filing your 2013 income tax return, perhaps we need to start thinking of February in a different light altogether.

Indeed, coming up in our two February issues is our Tax Time Tips content; the idea was to explore this topic in advance of filing deadlines, to help

readers learn about opportunities to take advantage of while they still can.

But, heeding the advice of experts, perhaps “tax time” should instead be a year-round task. From making regular RRSP contributions to comparing RRSPs and tax-free savings accounts to learning of the various credits available, tax planning for some is as necessary as the inevitable taxes themselves.

Preparing as best you can throughout the year might help minimize the sting come deadline time – and help you learn to embrace the opportunities to save, not just fear what you have to pay.

dreams We build

We know. At Ballantry Homes, we build dreams.

With over two decades of experience, we’ve designed and constructed thousands of homes, working closely with our family of buyers and our team of forward-thinking architects and interior designers. Ballantry has always treated our customers as #1. Having built some of the finest homes and estate communities in and around the GTA, Ballantry’s reputation for meticulous attention to detail and craftsmanship has earned the trust of thousands of satisfied homeowners.

3 sensational communities to select your new home from

BRamPton : NEW RELEASE Semi-Detached & Detached Homes starting from the low

$

400’s

maRKham : GRAND OPENING TTownhomes, Semi-Detached & Singles starting from the high

$

400’s

oaKVille : FINAL RELEASE CCondominiums or Urban Townhomes starting from the mid

$

200’s

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

JAN 25 - FEB 8, 2014 | NEW HOME GUIDE GTA 5

Happy holidays from your friends.

For the last sixty years, Menkes has been a central chapter in the life storeys of so many.

From spacious, single family homes in friendly neighbourhoods to sleek and contemporary condominium retreats, discover spaces that allow you to create the storeys that matter most – yours.

Our Life Storey 6 NEW HOME GUIDE GTA | JAN 25 - FEB 8, 2014

menkes.com

menkes.com

Where will your life storey take you this Holiday Season?

Now Open DWELL CITY TOWNS

New Release MILLSTONE ON THE PARK

Under Construction SOMERSET SOUTH

Design Forward Townhomes North of Burnhamthorpe Rd. off The West Mall Etobicoke Starting from the mid $300’s 416.259.2525

Urban Townhomes Dundas St. W., east of Bronte Rd. Oakville Starting from the low $300’s 905.825.3619

37' & 42' Detached Homes Salem Rd. N. & Williamson Dr. E. Ajax Starting from the low $500’s 905.428.0500

Coming Soon HUMBER MEWS

Now Open THE ENCLAVES OF UPPER CANADA

Under Construction BLOOM PARK TOWNS

Semi Link Homes Guelph St. & MacFarlane Dr. Georgetown Starting from the low $400’s 289.891.9103

All Townhome Community Bathurst St. & Finch Ave. North York Starting from the low $300’s 416.730.1600

Prices and specifications are subject to change. E.&O.E. December 2013. 22068

Designer Townhomes Browns Line & Evans Ave., Etobicoke Starting from the $480’s Register at menkes.com

facebook.com/MenkesLife

@MenkesLife JAN 25 - FEB 8, 2014 | NEW HOME GUIDE GTA 7

mattamyhomes.com

Connected to Life in the City. Connected to Nature. Connected to L

Get Connected To A Great Detached Home In Brampton’s Friendly Neighbourhood Of Mount Pleasant North.

Enjoy A Family Skate In The Neighbourhood.

Spring 2014 Closings Now Available On AVariety Of Home Designs.

Today we are offering a wonderful selection of our most popular Detached Home designs in the well connected neighbourhood of Mount Pleasant North. This community offers a Village Square, library, recreation centre, GO Station, shopping and lots of wonderful nature paths and scenic wetlands.

Visit us today to see first hand the fine selection of stylish fully Detached Homes in Mount Pleasant North.

8

Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm

Life in the City. Connected to Nature. Connected to Life in the City.

30' Home, The Nobleton, Elev. ‘C’, 1,778 Sq.Ft., $399,990

38' Home, Plan 3, Elev. ‘C’, 2,380 Sq.Ft., $491,990

Bovaird Dr./Hwy.7

Detached Homes From $363,990

New Townhome Designs Coming Soon, Register At mattamyhomes.com!

Follow us: All illustrations are artist’s concept. All dimensions are approximate.

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

9

contributors New home guide

vice-president, WALL2WALL MEDIA

Jacqueline Hill

editor-in-chief / director of content

Susan Legge

director of sales, national

Josh Heppner

Sales Manager New Home guide GTA, new condo guide, home décor & renovations

Conni Robinson

associate publisher, NEW home & condo guide SWO, lifestyle communities

Susan Maxwell art director

Bianca DiPietro Editor

Wayne Karl contributing Editors

BILD Report

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)

Taxing Issues

Henry Choo Chong, CGA

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

Legally Speaking

the mortgage minute

Schwarz Law Barristers and Solicitors

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

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

Peter Kinch

Sara Duck, Elisa Krovblit Lydia McNutt senior account executive Nina Downs nina.downs@wall2wallmedia.com senior account executive

Dionne Fraser dionne.fraser@wall2wallmedia.com Sales & marketing co-ordinator

Terry Bassett

distribution & sales co-ordinator

Jennifer Bistron

administrative assistant

Antoinette Jackson production Manager

Bala Gnanapandithan production co-ordinator

Sandra Hanak-Vujnovic graphic designers

Mike Terentiev

National Account Manager, Mediative

Paul Slizys

Published By

quick tips

Hellen Buttigieg

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

Contact Hellen at 905.829.2219 or info@weorganizeu.com

Industry outlook

make your move

Hugh Heron is principal and partner in the Heron Group of Companies and president of Heathwood Homes, as well as a former member of the board of directors of Canada Mortgage and Housing Corp., and a past president of the Toronto Home Builders’ Association and the Ontario

is Vice-President of Marketing and Operations, Two Men and a Truck Canada. twomenandatruck.ca

Hugh Heron

Chuck Resnick

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

newhomeguide.ca Advertising Call

and information.

416.626.4200 for ­advertising rates

Circulation Free

distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices.

Copyright 2014 All rights reserved by New Home Guide, Toronto, Ontario, Canada. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

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@wall2wallmedia.com.

Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada.

Established in 1990, this program was started with Scouts Canada to help replenish the environment.

10 New home guide GTA | jan 25 - feb 8, 2014

dreams

Where and families come together in 3 Superb Communities MaRkHaM

MaRkHaM

E

E IN V S RALOT

M

W O NEL H DE O

THORnHill

M

Semis and Detached homes on 30’, 36’ and 40’ lots.

Detached homes on 35' and 41' lots.

Detached homes on 46’, 50’ and 60’ lots available.

odeLs t ed M decor a

t ed decor a

ModeLs

New Release Coming Soon From the high

$

500's

Register Now! Starting from

$

905-472-7667

1.1million

905-417-1203

madisonhomes.ca Hours: Mon-Thurs. 1-8pm, Fridays by appointment, Sat., Sun. & Hol. 11am-6pm. *Specifications are subject to change without notice. E. & O. E. See Sales Representative for details.

11

//bild report

Plenty of work put into provincial consultation » by bryan tuckey The future of Ontario’s land-use planning and development charges is now in the very capable hands of Linda Jeffrey.

Bryan Tuckey

is President and CEO of the Building Industry and Land Development Association (BILD) and is a land-use planner who has worked for municipal, regional and provincial governments. He can be found on Twitter (twitter. com/bildgta), Facebook (facebook.com/bildgta) and BILD’s official online blog (bildblogs.ca).

The Minister of Municipal Affairs and Housing launched public consultations in October on the Land Use Planning and Appeals system and development charges which came to a close recently. BILD and the Ontario Home Builders’ Association hosted forums and worked diligently on this project with our provincial government partners to find new ways that Ontario can become even better at building our cities and towns.

This was not an easy process, in no small part because the 80 days that were allotted for public input went by quickly.

For this kind of work, 80 days is a short period to provide information that is vital to shaping the future of the Greater Golden Horseshoe in accordance with the provincial Growth Plan.

There are many things that we have brought up in this space along the way.

Firstly, it is becoming more difficult for people to afford a new home. About 20 per cent of the cost of a new home comes from development charges (DCs) and other government fees, such as Section 37 and parkland dedication fees, according to a report by Torontobased global real estate consultants Altus Group.

The study involved Toronto, Markham, Oakville, Bradford West Gwillimbury, Ajax and Brampton. Since 2004, those municipalities have increased DCs between 143 and 357 per cent.

Fees need to be used consistently within each municipality. The Altus report says the City of Toronto charged Section 37 fees ranged from as low as $66 per condo unit to $11,806.

14 New home guide GTA | jan 25 - feb 8, 2014

When government fees are added to new-home buyers’ mortgages, this also leads to higher interest and HST payments.

In 2012, about $1 billion in DCs and other government fees was paid by the industry and new-home buyers, which contributed to Ontario municipalities’ growth-related infrastructure such as sewers, roads and transit.

In addition to taxes on new housing, outdated zoning bylaws are another concern. Some date back to the 1950s, and most do not conform to the provincial Growth Plan.

This can mean months or even years of delays which slow down the process of construction and leads to more costs for new-home buyers.

In 2012, about $1 billion in DCs and other government fees was paid by the industry and new-home buyers, which contributed to Ontario municipalities’ growth-related infrastructure such as sewers, roads and transit.

In this market, relying on new-home buyers to contribute more means there’s a need for a conversation about fairness. Without new-home buyers, the 202,700 jobs created in 2013 and $10.8 billion in wages wouldn’t exist.

The role of the Ontario Municipal Board was also discussed in the consultation. It is responsible for several success stories, including the Distillery District, “The Kings” at King and Parliament and King and Spadina, and 18 Yorkville. It’s essential that the OMB is allowed to do its important work of adjudicating on municipal development planning.

The province has planned for growth in the Greater Golden Horseshoe up to 2031. We feel strongly that municipalities should conform to the Growth Plan whenever possible so we can meet the demands of the 3.7 million new residents and 1.8 million new jobs expected in that period.

Now, we look forward to the next step.

For more information on the consultations, visit bildgta.ca/government_reports_detail.asp?id=890

JAN 25 - FEB 8, 2014 | NEW HOME GUIDE GTA 15

16

M O U N T P L E ASA N T

COMING SPRING 2014

BRAMPTON

CELEBRATE A NEW BEGINNING

SEMIS & SINGLES AT CREDITVIEW ROAD AND WANLESS DRIVE Mayfield Road

N

SITE

Mount Pleasant Meadows offers semis and singles near

Register today to receive updates and priority appointments when the community opens in Spring 2014.

Sandalwood Pkwy W.

Bovaird Drive W.

REGISTER AT MEADOWSBRAMPTON.COM

18 NEW HOME GUIDE GTA | JAN 25 - FEB 8, 2014

McLaughlin Road

Chinguacousy Road

making this an excellent opportunity for you and your family.

Mississauga Road

scenic trails, bike routes, essential amenities and restaurants

Wanless Drive

Creditview Road

Welcome to Brampton’s newest master-planned community.

Lotus Pointe C A L E D O N

COMING SPRING 2014

MOVE UP To Caledon TOWNS • SEMIS • SINGLES LOCATED AT HWY 10 & OLD SCHOOL ROAD Welcome to the picturesque town of Caledon - a place where nature intersects elegance to create a luxurious and peaceful environment.

E n j o y a new l i f e s t y l e a n d m o v e u p t o L O T U S P O I N T E i n C a l e d o n.

Register at LotusPointeCaledon.ca

19

//fundamentally speaking

When and how

to plan your financial future? » by wayne karl

Wayne Karl

is an award-winning writer and editor with experience in real estate and business.

In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property.

He can be reached at

wayne.karl@wall2wallmedia.com

or follow him on Twitter at Twitter.com/WayneKarl

Nothing is certain but death and taxes, as several famous authors have waxed in various forms. Canadians, however, seem to have a curious way of preparing for the inevitable, at least on the latter subject.

While the deadline for contributing to Registered Retirement Savings Plans (RRSP) for the 2013 tax year is March 3, and for filing a return April 30, many Canadians still take it right down to the wire – especially on the first point.

Indeed, as many experts suggest, the best tax planning should begin during the year – not approaching such deadlines.

But, like death, perhaps Canadians don’t like to think about taxes, viewing them as an equally unsavoury topic.

How else would you explain that, looking at the bigger picture, we are seemingly short-sighted: personal finance and taxes are not subjects that are taught to any depth in our public education system. David Chilton lamented this fact in his 1989 best seller, The Wealthy Barber. Almost 25 years later, the challenge still exists – for Canadians of every age.

Consider, for example: • A new poll from CIBC shows that Canadians’ top financial priority in 2014 is paying down debt – the fourth consecutive year it has topped the list. Retirement planning, however, is dropping: in 2011, it was ranked a priority by 13 per cent of Canadians; for 2014, just seven per cent. Perhaps there is something to all those warnings from the federal finance ministry for Canadians to watch their personal debt loads, even in these days of still historically low interest rates. Or is it that Canadians include their mortgage in “paying down debt,” and thus building equity relieves some of the pressure to max out their RRSP contributions?

• Interestingly, another new poll, this one from RBC, suggests the opposite: 52 per cent of Canadians are focusing on increasing their retirement savings, and 48 per cent on debt reduction. Also notable is a significant jump in RRSP ownership among 35 to 54 year olds – to 62 per cent from 52 per cent last year. According to RBC, “Canadians are more comfortable with how they are managing their debt, and this is allowing them to focus more strongly on retirement savings this year.”

20 New home guide GTA | jan 25 - feb 8, 2014

• And just to muddy the waters even further: according to the BMO Financial Group RRSP study, many Canadians are getting a head start on saving for retirement this year. More than one-third (35 per cent) of Canadians reported that they have already contributed to an RRSP before the March 3, 2014 deadline. This is up five per cent from this time last year.

Three different financial institutions, three different takes on personal finance. Are we saving too little?

Spending too much? Or, Goldilocks, is everything just right?

Indeed, the answers depend on your own circumstances and personal situation. But here are some general tips from these and other sources: • Meet with a financial advisor to devise your strategy, including plans to buy a home, reduce debt and save for retirement.

• Contribute to RRSPs regularly, even if smaller amounts throughout the year to avoid having to come up with a large lump sum at deadline time.

• Manage and budget your spending, to better control where and how you spend and identify opportunities to save.

• Remember that your finances are connected. Making progress on one aspect of your goals can lead to an opportunity to improve in others.

Taxes are indeed certain, so planning to minimize what you pay, while maximizing your assets and developing the discipline to do both, is a sound strategy.

ACCOLADES IN MARKHAM

SITE

Last Chance to Live in this Established Markham Community!

TOWNS • SEMIS • SINGLES Community living has reached new heights with this upcoming collection of homes. The Accolades in Markham, located at Major Mackenzie Drive between Markham Road and McCowan Road, is your opportunity to live in the established community of Wismer Commons, where outstanding amenities are only minutes away.

NOW OPEN

NOW OPEN

COMING SOON

AT L A K E S H O R E W O O D S

40’ • 45’ SINGLES $ 768,900*

URBAN TOWNS $ 549,990*

57’ LUXURY SINGLES

Bayview Avenue & Vandorf Side Road

Great Lakes Boulevard & Rebecca Street

McVean Drive & Mayfield Road

FROM

up to 4,500 sq.ft.

AURORA

AFROM T LAKESHOR E WOODS up to 2,064 sq.ft.

O VH OI RLE L AT A LAK KES W OE ODS

BRAMPTON

For more information visit treasurehill.com *Limited quantities available. To qualified purchasers. Prices & information correct at press time. Map not to scale. Lots may have premiums. All illustrations reflect artist impression. E.O.& E. Ask a sales rep. for details. **Exclusive retail value of features already included in from price.

21

I am happy, I am comfortable,

Current Communities

CHIPPAWA/NIAGARA 50’ Bungalows & 2 Storey Singles, Freehold 35’ WIDE Bungalow Loft Townes from the low $320’s 6 MODELS NOW OPEN

THOROLD 45’, 40’, 36’ Singles, Semis & Towns from the $250’s. Quick closings on Select Towns & Attached Singles.

8 MODELS OPEN

BRAMPTON 41’, 38’ & 30’ Singles, 25’ Attached Singles & Freehold 20’ Towns from the $400’s NEW RELEASE OF LOTS

MOUNT ALBERT Luxurious 50’ Single Detached Homes Bungalow & Two Storey designs up to 3,600 sq. ft. from the $580’s NOW OPEN

For directions, hours and community information call our hotline (1-888/416) 410-0175 Prices and specifications correct at press time. Renderings are artist concept. E. & O.E. Prices quoted are in $ thousands except for Kleinburg & Randall pricing.

Redefining luxury, with details and finishes, sure to exceed your expectations. The only way to improve on the experience is to move in.

RosehavenPlatinum.com OAKVILLE

36 Majestic Suites from 1,800 sq. ft. to over 3,000 sq. ft. Move in from $1.8 million

KLEINBURG

60’ to 70’ Estate Singles from 3,700 sq.ft. to over 5,600 sq. ft. Move in from $1.4 million Located in the Heart of the Village

Coming Soon

STONEY CREEK 40’ & 35’ Singles and Semis Coming April 2014 Register at LiveOnTheRidge.ca

or visit

CALEDON Stunning 36’ Singles and Townhomes Coming April 2014 Register at MoveUpToCaledon.ca

RosehavenHomes.com

fieldgate homes | Valleylands

//community focus

New release of 38-, 41- & 45-ft. singles, semis & freehold towns in south Brampton

Valleylands Location South Brampton Housing Type Semi-detached from $391,990, townhomes from $399,990 and singles on 38-, 41-, 45-, 50- and 70-ft. lots from $531,990; bonus packages available for each housing type, 120-day closings available for towns, 28-ft. semis, 30-ft. linked singles and 38-ft. lots Contact 905.457.0445 fieldgatehomes.com

The 45-ft. Dufferin’s breathtaking front Elevation A of brick detailing with large porch and great interior entertainment space contribute to the luxurious atmosphere of this exceptional family home, available from $660,990.

W

hen driving along Chinguacousy Road in southwest Brampton, one gets the feeling that they’re in the midst of a very special community. It’s a place where the valleys of the Credit River offer a breathtaking outdoor playground of lush green parkland. It is within this remarkable setting that esteemed builder Fieldgate Homes has announced an exciting Grand Opening for the new location of its popular family community, Valleylands on Chinguacousy.

The southwest corner of Queen St. West and Chinguacousy Rd. is the site for this latest release at Valleylands. This new release features new designs in freehold townhomes up to 2,107 sq. ft., semi-detached that range from 1,657 to 1,890 sq. ft., 38-ft. singles that range from 1,565 to 1,721 sq. ft. and 45-ft. luxury singles that range from 2,640 to 2,987 sq. ft. These latest offerings are in addition to the exceptional collection of 41-, 45-, 50- and 70-ft. singles still available at the original Valleylands location nearby. With towns starting from $399,990, semi-detached from $391,990 and singles starting from $531,990, and with 70-ft. designs up to 4,200 sq. ft., there’s a home for everyone at Valleylands.

One of the many popular designs currently available at Valleylands is the breathtaking 2,987-sq.-ft. Dufferin Elevation A. This classic-yet-contemporary two-storey, fourbedroom, 45-ft. detached home offers a spectacular front elevation of brick and stone that features a covered porch, double-car garage, large bright windows and charming dormers.

One enters the home to discover a spacious front foyer, followed immediately by a cozy library. Further down the hall is the large open-concept living/dining room with coffered ...continued on pg 26

24 New home guide GTA | jan 25 - feb 8, 2014

25

//community focus...continued

fieldgate homes | Valleylands

One of the many popular designs currently available at Valleylands is the breathtaking 2,987-sq.-ft. Dufferin Elevation A. This classic-yetcontemporary two-storey, four-bedroom, 45-ft. detached home offers a spectacular front elevation of brick detailing that features a covered porch, double-car garage, large bright windows and charming dormers. ceiling. Across from the living/dining room, the home’s staircase offers easy access to a sunken main floor powder room and laundry room. Further down the main hallway, one enters into a sizable family room complete with a gas fireplace. Across from the family room, the kitchen and breakfast area offers a kitchen island and ample counter space, creating the perfect space for the family to gather for a home cooked meal. Upstairs, the elegant master suite features two walk-in closets, tray ceilings, an intimate master retreat and a lavish ensuite complete with oval soaker tub, his and hers sinks and separate glass shower. Bedroom two enjoys its own private ensuite and bedrooms three and four share a stylishly appointed ensuite. The Dufferin is priced from $660,990.

For most families, school is a top priority, so it’s nice to know that Valleylands is ideally situated to take advantage of many of Brampton’s wonderful educational facilities. A new elementary school is proposed for construction right in the Valleylands community, and Queen Street elementary school and Sir William Gage middle school are just a short walk north of the community. There are also a number of public and Catholic primary and secondary schools within a short distance.

And with post-secondary tuition costs on the rise, it’s nice to know that Valleylands is ideally situated to make the live-athome college lifestyle a breeze. Well-regarded institutions such as Sheridan College and Algoma University both have campuses that are just a short drive or bus ride away.

In addition to excellent proximity to schools, Valleylands is also in a great location to take advantage of a whole host of other lifestyle amenities. 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. For those in search of live entertainment, there’s the Rose Theatre, offering a year-round calendar of musical and theatrical performances. Golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance, and the commute to Toronto is a breeze with Hwys. 401 and 407 just minutes away.

With more than 55 years of experience, Fieldgate Homes is one of the GTA’s finest home builders, known for their exceptional floorplan designs.

For more information on Valleylands, please call 905.457.0445 or visit fieldgatehomes.com 26 New home guide GTA | jan 25 - feb 8, 2014

january 11 - 25, 2014 | New home guide GTA 26

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//taxing issues

Pooling financial resources » by henry choo chong

Q

My wife and I would like to purchase a home but the initial down payment is an issue. My mother and uncle are new immigrants to Canada and have approached us to buy a home together. What do you think of buying a home with family members? Tse, Scarborough

Henry Choo Chong,

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

A

The pride of homeownership is a dream for most Canadians. Unfortunately, this may only be a dream for many and may never become a reality.

Some individuals may have difficulty qualifying for a mortgage, even with the creativity of many financial lenders. Rule number 1: Buy what you can afford, not what you can borrow. Price increases in the Toronto real estate market easily outpace the marginal increases in salaries of the average Toronto household.

Pooling the financial resources of several family members can be an excellent opportunity for first-time buyers to get into a home. Eventually, you can save sufficient equity to have your own dream home. Obviously, this does not come without making sacrifices and concessions. A dream home can quickly become a nightmare, particularly when your mother-in-law may not be your first choice in house mates.

Extended family arrangements are not uncommon for many immigrant families that have three generations under one roof. For some cultures, this is the norm. However, this form of living arrangement is not for everyone. Most couples marry to start a family, not to inherit two generations of families.

Buy what you can afford, not what you can borrow.

28 New home guide GTA | jan 25 - feb 8, 2014

Food for thought that may help you make a decision: ›› Discuss the financial arrangements with your family member(s) before making a commitment. Are the down payments equal? How will the equity of the home be divided in the event of a sale? Are the mortgage payments divided equally? What about other costs? What happens if one partner wants out? Whose names goes on title? ›› Does the extended family get along? Family relations can deteriorate faster than an old home with termites! Discuss these arrangements thoroughly with your spouse. ›› A meeting with a lawyer beforehand can ease tension later.

Sometimes, it’s good to write things down and not have regrets later. Make no mistake, this is a business relationship. ›› Family financial resource pooling can be very successful for real estate and stock investments. Some of Canada’s wealthiest owners of real estate and public companies are family owned.

It sometimes pays to keep it “all in the family.” ›› Your tax adviser can explain some pros and cons of pooling from a tax perspective. Compare the tax advantages of having extended families under one roof, with the loss of other tax credits and government programs. ›› How is the credit rating of the other family members? Pooling can help family members with less than excellent credit re-establish themselves.

Family dynamics are an important ingredient when families pool their financial resources. Real estate prices will always rise and fall, but families are priceless.

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29

//In the news

Money trumps love when it comes to 2014 New Year’s resolutions: BMO More than one-third of Canadians making New Year’s resolutions for 2014 resolved to improve their personal finances, according to a new study from the BMO Wealth Institute.

Resolutions related to personal finances, at 36 per cent, ranked second only to health and fitness, at 51 per cent – and ahead of resolutions related to love life or the workplace.

“It’s encouraging to see that so many Canadians making financial issues a priority,” says Chris Buttigieg, senior manager, wealth planning strategy, BMO Financial Group. “Planning is essential to achieving your goals. If your New Year’s resolution is to lose weight, you will need to follow a plan that includes an exercise schedule and a diet regimen. Similarly, developing a financial plan is only the first step, the second and most crucial step is to implement the strategies recommended in the plan, and finally review the progress of the financial plan at least on an annual basis. Following these steps will increase the chances of reaching your financial goals.”

A financial plan helps people work towards their short and long-term goals, such as the purchase of a new home, saving for a child’s education or investing for retirement. It provides a roadmap that outlines the path from where they are today to where they want to be in the future. At BMO,

the process begins with a financial professional reviewing a person’s finances – including assets, liabilities, income, spending habits and investments – then building a personalized plan that takes these items and risk tolerance into account and fits with the rest of his/her life.

The survey found that 59 per cent of Canadians currently have a financial plan (down from 64 per cent in 2012). Of those who have a financial plan: • Eighty-two per cent reported that their financial plan has helped them achieve their goals.

• Sixty-nine per cent wished they would have created one earlier.

• Ninety-three per cent review their financial plan at least once a year.

When asked to identify the reason why they do not have a financial plan, the top reasons cited by Canadians included: • Do not have enough money to warrant a financial plan (37 per cent).

• Never thought of doing a financial plan (29 per cent).

• Do not know how to start the process (28 per cent).

• Not sure what a financial plan involves (19 per cent).

“Having a financial plan is not contingent on your income or how much you have in investments,” says Buttigieg. “A financial plan can benefit anyone who has goals which require funding and is seeking a roadmap to help achieve them.”

30 New home guide GTA | jan 25 - feb 8, 2014

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31

//cover story

KLEINBURG HILLS

Inspiring, inviting, incredible opportunities to own a luxury home in an idyllic community

Location Kleinburg Housing Type Single-detached two-storey homes and bungalows on 40- and 50-ft. lots Sales centre: 6181 Major Mackenzie Dr. W., west of Hwy. 27, open Monday to Thursday 1 to 8 p.m., closed Friday, and open 11 a.m. to 6 p.m. weekends and holidays Contact kleinburghills.com 32 New home guide GTA | jan 25 - feb 8, 2014

A

mong the Greater Toronto Area’s most prestigious new home locations, the Village of Kleinburg beckons with an irresistible combination of country and urban charm. In the midst of the area’s creek/valley system, conservation areas, forests and parkland, Kleinburg Hills offers the opportunity to live close to nature, as well as charming Kleinburg Village.

Created by Aspen Ridge Homes and CountryWide Homes, this upscale collection of luxurious single-detached homes places families only minutes from the McMichael Canadian Art Collection, home of the country’s most important collection of Canadian artwork. It is also located near other art galleries, boutiques, gift shops, cafés, restaurants, schools, a community centre, bike trails, a library and golf courses.

A world apart, Kleinburg Hills is also just minutes from Hwy. 400. How appropriate that the developers refer to this community as a place “where art and

ASPEN RIDGE HOMES | Kleinburg Hills

With value and sustainability in mind, these homes are being built to the Energy Star standard, with elements that will save homeowners on utility costs and help to protect the environment. nature connect.” The community is situated at Hwy. 27 and Major Mackenzie Drive, adjacent to the picturesque Boyd Conservation Area and Kortright Centre for Conservation.

Fitting right in with the lush rolling hills bordering the Humber River, a gently winding road leads to the singledetached two-storey homes and bungalows on 40- and 50-ft. traditional depth lots – your path to upscale living in idyllic surroundings. Choose from a variety of classic exteriors in clay brick, stone and stucco, adorned with sophisticated rural architectural detailing. To round out the beautiful picture for homeowners, each residence comes with an interlocked driveway and landscaping package.

With value and sustainability in mind, these homes are being built to the Energy Star standard, with elements that will save homeowners on utility costs and help to protect the environment. Among the luxurious and energy-saving features and finishes are Low E casement windows, ceramic tile, hardwood flooring, oak finish stairs and a pre-case limestone natural gas fireplace. Gourmet kitchens come equipped with your choice of oak or maple kitchen cabinets, granite countertops, and a spectacular Sub-Zero / Wolf appliance package including a stainless steel refrigerator, six-burner gas

range, stainless steel dishwasher and the choice of a stainless steel exhaust hood or hood liner. Superbly appointed bathrooms feature deep soaker tubs with a separate shower. To see for yourself the potential in creating your dream home at Kleinburg Hills, tour the four fully appointed model homes that showcase the beauty and functionality of these upscale designs.

Aspen Ridge’s homes range in size from 2,630 to 3,753 sq. ft. and are priced from $791,900. Purchasers also receive 12 months of free service from Rogers, including digital TV, home phone and high-speed Internet.

Founded in 1992, Aspen Ridge is a family-owned and operated firm that has grown into one of the most respected and successful companies in the Greater Toronto Area. The principals at Aspen Ridge hail from a long line of distinguished builders and developers who have earned a reputation for excellence, craftsmanship, quality and care. Upholding these attributes is a proud tradition, with customer care at the heart of the company’s corporate culture.

Today, the Aspen Ridge portfolio includes a diverse collection of highly regarded communities, including the uniquely delightful Kleinburg Hills.

Visit the Kleinburg Hills Sales Centre at 6181 Major Mackenzie Dr. W., west of Hwy. 27 in Kleinburg. Regular hours are from 1 to 8 p.m. Monday to Thursday; Friday closed; and 11 a.m. to 6 p.m. weekends and holidays. For more information, visit kleinburghills.com jan 25 - feb 8, 2014 | New home guide GTA 33

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35

//book review

New book offers the low-down on the real risks and

rewards of investing in real estate » by Susan legge

You’ve seen how easy renovating and flipping real estate properties is on TV, and you think you’d make the perfect landlord while making piles of money, right? Now give your head a shake and check out Julie Broad’s new book or switch the channel.

Broad’s book, More Than Cashflow: The Real Risks & Rewards of Profitable Real Estate Investing, puts some much-needed advice into the hands of wannabe real estate investors considering making a career out of building a profitable portfolio of properties.

A Canadian investor herself, Broad took a step-by-step approach with her new book – which went to number one on Amazon.ca – by providing some basic strategies and fundamentals about the investment real estate market, and she did it without pulling any punches.

“We help you get into real estate investing without the hype that comes with far too many newsletters, blogs and programs in the market today. But you will have to work for it,” says Broad. The book covers plenty of ground, including ways to increase cash-flow using rent-to-own strategies, tips on finding and keeping tenants, the low-down on property managers and ideas about where to invest.

There’s even a chapter on female intuition – love that! Much of the advice comes from the real-life adventures of Broad’s own investments with (and without) her husband, Dave. Interestingly, the couple’s most successful investments were mutually agreed upon at the outset.

In terms of the time commitment an income property demands, Broad says it depends on how many properties you have and whether you hire someone to oversee tasks such as finding tenants and property maintenance. “It may take an hour or two a month, or it could be a full-time job,” she says. And costs can add up. Placement management fees, for example, can take a chunk of cash out of your pocket, but the time you save on getting the right tenant may be well worth the investment, particularly if you’re looking at a property that’s difficult to rent or if you can’t spare the time yourself to show the property to potential tenants.

Condo or freehold?

When asked about the difference between buying a home or a condo as an investment, Broad says she prefers a condo-fee free options. “You can control the costs of a freehold investment,” but even a freehold home has its caveats. “If it’s not a solid, well-cared for property, for example, recovering the costs of a new roof can take several years.” ...continued on page 38 36 New home guide GTA | jan 25 - feb 8, 2014

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SALES OFFICE 824 Sheppard Ave. West

//book review...continued

Overall, investors should look at a property before purchasing it based on three strategies: > Will the property appreciate over time? > Will you be paying down the mortgage quickly using the rental income? > Will you be creating cash flow?

Rent-to-own The rent-to-own strategy of purchasing a home is still an option, as people see that the Canadian real estate market is strong and the likelihood that home prices will increase is high. The rent-to-own scenario is a good one if you’re thinking about buying a property with the idea of selling to the tenant using the rental income, but you need to be sure to have a proper legal agreement in place, says Broad. “If the tenant suddenly decides the property isn’t worth buying, what recourse do you have if they walk away?”

“ We help you get into real estate investing without the hype that comes with far too many newsletters, blogs and programs in the market today. But you will have to work for it,” says Broad

38 New home guide GTA | jan 25 - feb 8, 2014

Get educated When it comes to getting more info and a better understanding of your local investment market, Broad suggests websites such as meetup.com, which often have specific networking opportunities for investors. Hearing about others’ experiences is the best way to learn, and getting suggestions from those who have been there and grown from the experience is a great way to avoid pitfalls. Since it takes more than the length of an average TV show to become an investment expert, people like Broad who offer their own real-world accounts of both successful and unsuccessful strategies are essential to any future flipping star.

Broad’s book is available on her website, revnyou.com or online at indigo.ca and amazon.ca

JAN 25 - FEB 8, 2014 | NEW HOME GUIDE GTA 39

//community focus

Final release at Woodland Hills

Single-family homes on private enclave lots Location Newmarket Housing Type Single-family homes Sales centre: 485 Woodspring Ave. Contact 905.235.1199

40 New home guide GTA | jan 25 - feb 8, 2014

C

ountryWide Homes has recently released a series of energy efficient singlefamily homes nestled amongst lush green nature at the company’s popular Woodland Hills community in Newmarket. This final phase of private enclave lots features walkouts, lookouts, ravine and court lots.

There are currently a total of 11 models to choose from ranging in size from 1,750 to more than 3,000 sq. ft. on lot sizes of 36- and 45-ft. starting in the mid $500’s.

The homes have impressive features such as nine-ft. ceilings, upgraded baseboards, pre-finished hardwood on the main floor and imported ceramic tiles in the bathrooms.

The community is close to all of the amenities a growing family could ever want.

Public and Catholic elementary and high schools are located in the area, as well as one of York region’s best hospitals – SouthLake Regional Health Centre.

COUNTRYWIDE HOMES | Woodland Hills

The homes have impressive features such as nine-ft. ceilings, upgraded baseboards, pre-finished hardwood on the main floor and imported ceramic tiles in the bathrooms.

Fabulous shopping and entertainment along Yonge St., including Upper Canada Mall, will fulfill all of your shopping needs.

Restaurants such as Moxie’s, The Keg, Pickle Barrel and Milestone’s are all located close by. The acclaimed Magna Centre recreational complex as well as the Holland River Walkway trail system, along with the many arenas and community centres in Newmarket, will keep your family fit.

The development is conveniently located off Bathurst Street, just north of Davis Drive and is close to Hwy. 400 and 404, as well as Yonge Street. For those interested in public transit, Newmarket Go Station, York Region Transit and VIVA bus all service the local community and make your commute easy.

For more information, please visit the two model homes located at 485 Woodspring Ave. (located just west of Yonge Street, south of Green Line), or call the sales office at 905.235.1199. jan 25 - feb 8, 2014 | New home guide GTA 41

//in the news

Celebrating Regent Park’s revitalization

Resurgent community stages The Journey – a new musical chronicling its history

As Toronto’s Regent Park undergoes one of the most ambitious urban renewal projects in Canadian history, its dramatic story is being brought to the stage.

The Journey – A Living History of the Regent Park Revitalization, is an 80-minute musical that recently played for two sold out nights at Daniels Spectrum, the community’s new 60,000-sq.-ft. cultural hub.

Using a powerful combination of spoken word narrative, song, film, still images and dance, The Journey documents Regent Park’s nearly 70-year history and it’s amazing revitalization – from challenged urban neighbourhood to thriving mixed-use community, infused with a newfound sense of hope.

The show is not only inspired by the real-life stories of its residents, it is mounted by their collective talents, on stage and off.

These include award-winning Regent Park spoken word artists Trevlyn Kay and Britta B. (2013 Toronto International Poetry Slam Champion); Regent Park R&B singer-songwriter Steve Harmony; Regent Park School of Music graduate Charlotte Siegel and Dixon Hall alumnus and pianist Thompson Egbo-Egbo.

“I’m blown away by the talent,” says Henry Heillig, musical director and co-founder of the jazz ensemble Manteca. “People will hear a lot from these youngsters. Their energy and creativity is just explosive.”

These future stars are backed by two electrifying, world-class performers – award-winning jazz and blues vocalist Jackie Richardson

42 New home guide GTA | jan 25 - feb 8, 2014

(Big Mama, the Willie Mae Thornton Story); and Dora award-winning singer/ actor Sterling Jarvis (The Lion King; We Will Rock You).

“Working with the script and narrators over the past four months has been a very moving experience for me,” says Anne-Marie Woods creative director and Harry Jerome Award winner for Entertainer of the Year. “The songs are heartfelt; the poetic monologues will tug at your heart strings; as an audience member you will understand the incredible journey that the community has taken – you will truly become a part of the story.“ In short, The Journey is a theatrical creation about, for and largely by the Regent Park community.

“The audience (feels) the emotion, anger and frustration, but also the steadfast determination that finally leads to change. They experience the anxiety and sadness as the wrecking ball demolishes a lifetime of memories and feel the hope and exuberance as a bright new future emerges,” says Mitchell Cohen, president of The Daniels Corporation who wrote the original script and composed the songs for The Journey.

“We look forward to The Journey becoming a part of the community’s creative repertoire and be continually remounted by different generations of talent,” adds Cohen.

The Daniels Corporation will donate the show’s musical soundtrack to Toronto’s Artscape Foundation, which will use it to raise funds for youth programming such as ARTSPARK at Daniels Spectrum. Through the ARTSPARK program, youth conceive and produce cultural events, exhibitions and projects with guidance from industry mentors. These hands-on educational initiatives provide valuable life lessons in teamwork and expose young people to career paths in the arts.

The soundtrack can be downloaded at giveagiftgetasong.com for a minimum donation of $15.

//the mortgage minute

The equity solution How Canadians can cash in without cashing out » by peter kinch You hear a lot of talk these days – from media and government – about debt and how the average Canadian has too much of it. Although it may well be true that many Canadians need to rein in their spending habits, there is a flip side that doesn’t get talked about enough: a record number of Canadian homeowners are sitting on an unprecedented amount of home equity.

Given today’s economic environment, the mere mention of spending home equity is considered taboo – especially in light of the recent sub-prime mortgage crisis in the United States.

None of that, however, changes a few fundamental facts: 1. In spite of all the talk about debt, many Canadians are sitting on an unprecedented amount of home equity.

2. A large number of those Canadians sitting on their latent equity have two pressing concerns: a. Will I have enough money when I retire? b. How will my children ever be able to afford to buy their own house?

This scenario presents an interesting dilemma. The proverbial elephant in the room is home equity. Could it be a solution to the most pressing concerns of Canadians as they near their retirement years – or is it part of the problem?

The pendulum has swung quite a bit on this topic over the past five years. We’ve gone from the free-wheeling days leading up to 2008, where those investing in real estate thought they could do no wrong, to an about-face, where spending home equity was akin to an evil deed. And, like most things in life, the truth lies somewhere in the middle.

Will I have enough money when I retire?

...continued on pg 46 44

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45

//the mortgage minute...continued

First and foremost, we need to address some of the issues that face most Canadians today: • I t is true that many Canadians are carrying too much debt and need to find a way to spend less than they make.

• It is also true that many Canadians are sitting on an unprecedented amount of home equity.

•Y et a record number of Canadians are also concerned about their ability to have enough money to retire.

• Few working Canadians have faith in their pensions.

• A record number of Canadians are now self-employed and have no pension plan.

• Few working Canadians are confident in the ability for CPP and OAP to take care of them when they retire.

• Canadians are living longer than ever.

Add this up and it begs the question: Can home equity be part of the solution?

The concept of using your home equity to invest has fallen out of vogue in the past few years, but in many respects, we have thrown the baby out with the bathwater. Sure, the idea of spending your home equity to buy investments equates to getting further in debt – but perhaps we need to define debt. Is it possible to have good debt and bad debt?

Bad debt is easy to define – any debt that is used to purchase an item that adds no value to your bottom line (lifestyle expenses such as a car, boat or vacation).

Good debt is any debt that is used to increase your net worth (a house, a rental property or other investment intended to make money).

When you use credit to subsidize lifestyle, you are simply spending beyond your means and arguably buying items that may not fit into your family budget. The only return on this type of expenditure is immediate personal gratification. However, the potential longterm consequences of this type of expenditure could be increased debt without the ability to pay it off. This is exactly the type of debt the government is concerned about. They don’t want Canadians to look at their houses as personal ATMs – especially at a time when interest rates are at record lows.

The real concern is what would happen if a great number of Canadians were to access home equity, go further in debt at a time of low interest rates, only to see those rates increase. If the only thing those individuals had to show for their debt were depreciating consumer goods and a YouTube video of their last vacation, then the government’s concerns would be completely justified. In fact, you should be very cautious of increasing home or consumer debt in today’s economic environment. Interest rates have nowhere to go but up, and any use of home equity should only be undertaken after an analysis of both the long-term benefits and consequences.

However, this example should not be confused with the ability to utilize home equity to increase personal wealth, address pension concerns or assist adult children with getting started on their road to homeownership. The key is to analyze the long-term benefits versus potential consequences. It is entirely feasible to utilize home equity in such a way as to improve your personal financial situation over the long-term – even if interest rates were to rise. This process would involve increasing personal debt initially but only through the acquisition of an asset that would create a long-term financial benefit. An example of this would be to access a portion of your home equity for the down payment on the purchase of a rental property that, over time, would shift from a deficit to an asset that could provide a supplement to your pension plan.

Many people reading this might still say, “There is no way I’m touching my home equity.”

I completely understand that emotion, but to that I would ask: Are you 100 per cent comfortable that your current pension plan is sufficient and that you will not have any need to supplement it at the point of retirement in order to live the lifestyle you desire?

46 New home guide GTA | jan 25 - feb 8, 2014

If the answer is yes, then by all means, you should not, nor do you have to, touch your home equity. Your focus would be to stay the current course.

However, If the answer is no, then it begs another question: What is your plan to resolve this?

A significant number of Canadians fall into the second category and fit the following description: “I know that our current pension plan is insufficient to accomplish our retirement goals and I know that we are sitting on a lot of untapped equity that could be used to purchase some investments. But I’m simply not comfortable with risking any of that equity in an investment venture. What if we ended up losing it all? Then where would we be?”

You would be shocked at how common this scenario is and how often that conversation is played out at dinner tables across this country. There are three major considerations: 1. The need to address retirement goals 2. The realization that equity could be the solution 3. The fear attached to taking on more debt As you explore your own personal situation, consider these factors, and how equity might be part of the solution.

Peter Kinch

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

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//money matters

january is

“ make do” month » by Gail vaz-oxlade

If there’s any month when you’re most likely to wonder if all the bills will get paid, it’s January. After the

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

feverish rush of the holidays and all the unexpected expenses that popped up, no doubt things will be a little tight.

Add the extra cost of heating and the jump in “fresh” food prices and you’ll be looking for ways to trim back.

Enter Make Do Month. This is the

month when you stretch everything a little farther so you spend a lot less. If you get invited to a party, you don’t rush out and buy something new, you get creative and shop from your closet. And if you need a little something different, you shop from a friend’s closet. Or hold a clothing exchange.

What you don’t do is spend money!

When the weather is warm, it’s easy to do lots of free things. When it’s cold, entertainment gets more expensive.

Sure, there’s that great movie you’d love to take the family to for a night out of the house. For a family of four, you’re

January is a good month to experiment with a new routine as you make do. If you’re used to buying coffee every day, brew your own at home or work and save big-time. ...continued on page 50

48 New home guide GTA | jan 25 - feb 8, 2014

//money matters...continued

three nights of free babysitting. Maybe you’re a computer genius and can offer to do maintenance or repairs. Perhaps you’re a mechanic and can offer a tune-up. Substitute your energy for spending money.

After the buzz of the holidays, you’ll no doubt be happy to stay home for the first couple of weeks. Then you may start feeling itchy. You’ve got to get out. You can feel the walls closing in. Time to hit that great new restaurant that just opened up, or head out to the clubs. Wait a minute.

This is Make Do Month. probably looking at $100 or more with popcorn and drinks. Recycle a movie you already own or do a movie swap with friends, add some home-made popcorn and a 12-pack of pop and you can probably do it for $10. Now that’s making do!

January is also a good month to experiment with a new routine as you make do. If you’re used to buying coffee every day, brew your own at home or work and save big-time. If you regularly go out for lunch, pack one from home for four out of every five days and not only will you drop those holiday pounds, you’ll be able to pay off that holiday debt.

But what if you have family or friends whose birthday falls in January.

You’ll have to buy something. No you don’t. You can give something of yourself instead of something purchased. Make their favorite cookies, offer to cook them a meal or a bunch of meals for the freezer for those extra busy workdays, or create a coupon for

50 New home guide GTA | jan 25 - feb 8, 2014

Start a tradition of once-a-month games or poker nights and rotate from one friend’s home to another. No one says you can’t have fun in Make Do Month. You just can’t spend gobs of money.

Call up a couple of friend and throw a pot-luck game night instead. See if you can do it at their house this time.

Start a tradition of once-a-month games or poker nights and rotate from one friend’s home to another. No one says you can’t have fun in Make Do Month. You just can’t spend gobs of money.

Make Do Month is a conscious decision to stretch every dollar as far as it will go. Try it and see if just becoming conscious save you money. I’ll bet you’re pleasantly surprised.

JAN 25 - FEB 8, 2014 | NEW HOME GUIDE GTA 51

//INDUSTRY OUTLOOK

A new year, a new attitude » by Hugh Heron Did you know that if you assign a number to each letter of the alphabet in order from 1 to 26 and then add the values of the letters in the word “attitude,” you get 100? And did you know that Texas radio personality

Hugh Heron

is Principal and Partner in the Heron Group of Companies and President of Heathwood Homes, as well as a former Member of the Board of Directors of Canada Mortgage and Housing Corp., and a Past President of the Toronto Home Builders’ Association and the Ontario Home Builders’ Association.

Charles Swindoll said, “I am convinced that life is 10 per cent what happens to me, and 90 per cent how I react to it... we are in charge of our attitudes”? Both of these make perfect sense to me, because I believe attitude is the number-one thing that determines how we live our lives. As we enter 2014, I’d like to see a more positive attitude among the media, general public and government about the new home market in the GTA, especially lowrise.

I have seen it time and again that the people and organizations who approach home buying and home building in an enthusiastic, yet realistic way, accomplish a lot and make good choices. Community planning and home-building are complex, so the process takes understanding and patience.

I also understand the ongoing political challenge that occurs because people resist change. I smile, though, when objections to growth come from people who recently purchased brand new homes. Without growth, we stagnate or go backwards. And frankly, we owe it to our children and our new Canadians to enable them to enjoy the same benefits we have in housing choices.

Remember, “politics” is driven by politicians, who, in turn, are driven by their constituents. In the building industry, we need to get to know our politicians and inform them about the realities of the marketplace. We get a lot of help with that from BILD (the Building Industry and Land Development Association), which continually advocates for fair practices when it comes to government influence in the industry. The public plays a big role, too, in making their opinions known.

Without growth, we stagnate or go backwards. And frankly, we owe it to our children and our new Canadians to enable them to enjoy the same benefits we have in housing choices.

52 New home guide GTA | jan 25 - feb 8, 2014

I have said it so many times that we make the real estate economy, not some outward force. New-home buyers put their money where their mouth is by showing faith in the future of Canada.

Homeownership is a dream that Canadians and immigrants to this great country share. Buyers play a major role in keeping municipalities healthy. Builders turn vacant pieces of land into vibrant new home communities that then bring in revenue through development charges, and then for generations through property taxes. We install sewers and roads, plant trees, maybe add parks or a school, and of course, we build the homes themselves.

Attitude also takes precedence in the selling and servicing of new homes.

Buying a new home is the biggest financial commitment most people make in their lives, and it’s natural for them to want everything to be perfect. Builders need to understand the emotional commitment our buyers make, as well as the financial one. That’s why “customer service” is now often called “customer care,” because builders do care. We have to be sensitive to our homeowners’ needs and wishes, even though the lowrise market in the GTA is so competitive.

Homebuyers deserve to be treated fairly and with respect from the moment they walk into our sales offices through to the end of the warranty period after buyers move in. A negative attitude gets people’s backs up, where pleasant inquiries and responses keep things on a more professional level.

So, let’s stay positive. When builders build homes and people buy homes, we contribute to the well-being of our municipalities and provinces, to Canada’s gross domestic product, and to our enviable quality of life.

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//In the news

Tips to find the money to begin investing today With the RSP deadline just weeks away, Scotiabank’s Annual Investment Poll found that three in 10 (31 per cent) Canadians plan to contribute to their RSP this year, a decrease from 39 per cent in both 2012 and 2011. Three-quarters of Canadians (74 per cent) who hold

RSPs, and have thought about contributing more, cite lack of affordability as the top reason for not contributing more often (84 per cent in 2012).

The study also found that among Canadians who hold an RSP, 40 per cent have withdrawn funds from their RSP, up four per cent from 2012 (36 per cent). Again this year, the top reason for taking money out of RSPs is to take advantage of the Home Buyers’ Plan to buy/build a first home (16 per cent vs. 15 per cent in 2012), followed by covering day-to-day living expenses (eight per cent vs. five per cent in 2012) and paying down debt (eight per cent vs. six per cent in 2012).

“With the new year underway and the RSP contribution deadline less than two months away, we want to encourage Canadians to meet with a financial advisor,” says Mike Henry, senior vice-president of retail payments, deposits and lending at Scotiabank. “RSPs continue to be an important and tax-effective way to maximize retirement savings. If affordability is an issue, a financial advisor can help identify ways to make that all-important contribution, big or small, as well as develop a financial plan to help achieve retirement goals.”

RSP contribution tips: » Talk to your financial advisor to make a plan to find out what works best for you for both long and short-term financial goals. » Set-up pre-authorized contributions, such as Scotiabank’s Pay Yourself First plan, that let you make regular and automatic contributions from your bank account directly into your RSP. Start with a small amount and adjust it depending on your financial situation. » Spousal RSPs can be an effective tool in planning for retirement, giving you the ability to contribute to your spouse’s RSP, realize income splitting opportunities and potentially reduce your family’s overall tax burden. » Consider borrowing to top up any unused contribution room and maximize your RSP, as the contribution may generate a tax refund that can be used to pay off the loan. The Scotia RSP Catch-up Line of Credit, for example, is an opportunity to maximize both your current and previous years’ contributions.

Take advantage of online tools to help you get started with your investment planning. Scotiabank’s Investment Centre can help you find out where you are in planning for retirement.

54 New home guide GTA | jan 25 - feb 8, 2014

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55

//legally speaking

Getting your

house in order » by jayson schwarz Whether you are a young couple or individual purchasing a new home for the first time, a resale buyer moving in the market or an empty nester purchasing a retirement condominium, the very action of this significant investment in real estate represents a major life change.

There are a number of issues that you should consider at this time in order to ensure that your “house is in order.”

Jayson Schwarz

LL.M. is a Toronto real estate lawyer and senior partner in the law firm Schwarz Law LLP. If you have a topic in mind, mail, deliver or fax letters to the magazine or to the firm, email (info@schwarzlaw.ca) and give us your questions, concerns, critiques and quandaries.

1. How will I hold the “title?”

When your lawyer goes to the Registry Office to hand over all of your money to the builder in order to buy your home, he receives, in return, a document called a deed or transfer, which he registers by filing with the government; the document has your name is on it to show you own the home.

This action gives you title to the property. If more than one person is buying the property it is necessary to decide how they will hold title together.

There are two ways people can hold title together. The first is generally the way we hold title with our spouses or children, which is called “joint tenancy.” To hold title as joint tenants really means that upon the death of one of the parties, the remaining party automatically becomes the owner of the whole property without having to inherit it or have it pass through an estate. The reason is simply that all owners on title own the whole property rather than a part each. The other way title can be held is as “tenants in common.” This means that each party only owns the percentage allocated to them, although the physical part owned is not described. Upon the death of a tenant in common, his or her percentage ownership goes to their heirs in accordance with their will or law. Therefore, remember to discuss this issue when you go to see your lawyer.

2. What about a will? A power of attorney?

Do you have a will? If you do, is it up to date and does it represent your current situation or state of affairs? It is important, especially if you have young children, to have your wills completed; not so much for the money, but for a clear resolution of the issue of custody if something happens to both parents. A will stops sibling disputes, takes care of who will look after children, keeps the government out of your affairs, allows for an orderly disposition of everything from your favourite cuff links or earrings to your realty, stocks and bonds, and will allow you to determine how you are to be cremated,

56 New home guide GTA | jan 25 - feb 8, 2014

buried or quick frozen. A power of attorney is used when you are physically or mentally incapacitated – there are two kinds. The first is for your body, such as what care will you or will you not receive? Your representative will determine that. The other is for the management of your financial affairs.

Now is the time to create a will. Speak to your lawyer and ensure that this important matter is dealt with.

3. What about insurance?

You will need insurance for the house.

This a great time to look at life and disability insurance. It is also a good time to determine if you should be insuring your mortgage in case something happens to the major wage earner; and to ensure that the future is taken care of.

So there you have it, this is the time to take care of all of these kinds of things to get your house in order.

Perhaps the most difficult part of writing these articles relates not the actual writing, but thinking of a topic to address. Visit schwarzlaw.ca, or email schwarz@schwarzlaw.ca with your questions, concerns, critiques and quandaries.

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JAN 25 - FEB 8, 2014 | NEW HOME GUIDE GTA 57

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Jan 25 - Feb 08, 2014

Showcasing new homes in the GTA’s central and 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

t Rd

DVP

83

Ki

in

e Av

n sto ng

lva Sy

s ng Ki e v nA

to

n

RD

78

32

Sheppard Ave E

17

18

2A

Passmore Ave

17

401 53 26

58

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

90

n Dr orto

RD

Brim

Galloway Rd

K

rlet

8

Main St

Gerard St

6

5

41

ev

16

Manse Rd

J

Keele St.

10

50

Logan Ave.

Danforth Ave.

4

St Clair Ave E

25

cL

M

Sheppard Ave E Milner Ave

Progress Ave

Lawrence Ave E

88

15

Centennial

Lakeshore Blvd W

Ossington Ave. Dovercourt Rd.

Horner Ave

Christie St.

86

Evans Ave

Spadina

Dundas St. W.

Bathurst St. Bay St. University Ave.

Queen St. W. 58 King St. W. 49 Front St.

Yonge St

QEW 4

Don Valley Pkwy

QEW

28

57

Cosburn Ave

O'Connor Dr. Woodbine Ave

Queensway

Yonge St.

Bloor St.

Avenue Rd

20

Dupont St.

2

Laird Dr

Dundas St W

8

Dufferin St

Davenport Rd.

43

Pharmacy Rd Victoria Park

5

Sca

Rd

Warden Ave

St Clair Ave.

Allen Expressway

an

401

Eglinton Ave E

Birchmount Rd

gh

Ave E

Ellesmere Rd

Huntingwood Dr

Finch Ave E

5

14

McCowan Rd

Bloor St W

ay

Dufferin St

Va u

Leslie St Eglinton

38

13 Steeles Ave.

McNicoll Ave

12

Brimley Rd

80 Rogers Rd

Bathurst St

Eglinton Ave W

11

Rd

Rd

Briar Hill Ave

y Pkwy

Eglinton Ave W

d kR y

Caledonia Rd

to n

ee

ew e

11

Bellamy Rd

Rathburn Rd

w

ng s

Weston Rd

Ki

Cr

Th e

B

k lac

Tre th

Keele St

W es

Ave Lawrence Ave E

York Mills

401

Sheppard Ave E

10

Don Valle

Westway

7

1

40

9

East Ave

I

Martin Grove Rd

Markham Rd

H

Kipling Ave

Dixon Rd

1

33

87

Finch Ave W

Drewry Rd

Pleasant Ave

8

Scarborough Golf Rd

G

Islington Ave

401

89

pressway

31

Jane St

Wilson Ave

7

Bayview

401

400

9

6

Mills

409

Bv

5

Don

Kennedy Rd

427

27

le

da

Signet Dr

Orton Park Rd

F

Humberline Dr

Re x

4

Allen Ex Midland Ave

E

Rd

3

Dufferin St

Finch Ave W

ion

Alb

2

McCowan Rd

D

1

Toronto, Etobicoke, York, North York, East York, Scarborough

Alness St

C

B

A

central region:

Tapscott Rd

7

Morningside Ave

42

Neilson Rd Morrish Rd

Rd

Sewells Rd Conlins Rd

h

Reesor Rd

rt

Beare Rd

fo

Meadowvale Rd

Da n

60 Port Union Rd

Coxwell Ave

Pape Ave.

Parliament St Sherbourne St Jarvis St.

Dufferin St

Lansdowne Rd.

Roncesvalles Ave.

Jane St

Park Lawn

Royal York Rd

Renforth Dr

19

3

Arista Homes

IMPRESSIONS

3

Fieldgate Homes

3

Tel

Price Range

•

•

Page No.

from $650,000

37 7B

impressionskleinburg.com •

• •

from $490,000

51 5F

IMPRESSIONS

905-893-9500

•

• •

from $515,000

Insert, 25 & 51 5F

Paradise Homes

IMPRESSIONS

impressionskleinburg.com •

• •

from $490,000

51 5F

10

Fieldgate Homes

90 Niagara

90niagara.com

•

from $350,000

Insert 7H

1

Batavia Homes

Goddard on the valley

416-630-5039

•

•

from $650,000

2

National Homes

The Churchill Collection in Forest Hill 416-922-1414

•

from $1390,000 7G

4

Georgian Corporation

Lex Towns

416-428-3419

•

• •

from $495,000

12G

5

Tiffany Park Homes

Westhaven

416-792-6655

•

from $628,000

3G

6

Coventry Homes

Danforth’s Crossing

416-924-8338

•

from $450,000

12G

7

Fieldgate Homes

The Brownstones at Westown

lidvest.com

•

•

from $330,000

4E

8

Emsatec Canada Inc.

The Brownstones 5

416-531-7760

•

•

from $350,000

6G

9

Lindvest Properties

The Brownstones at Westown

lindvest.com

•

•

from $330,000

4C

11

Tribute Communities

Canterbury

647-352-2130

•

from $767,000

9E

20

Beaverbrook Homes

Evolution

416-747-9691

• from $270,000

3H

26

Conservatory Group

Port Union

416-287-3128

•

•

28

Pemberton Group

Park Lake Residences

416-769-4343

34

H&R Developments

Westown

41

Monarch Corporation

43

•

7B

from $520,000

18E

• from $180,000

5H

hr-newhomes.com •

•

• from $190,000

5C

Evergreen

416-495-3526

•

from $470,000

14F

Aspen Ridge Homes

Scenic On Eglinton

416-805-1781

•

•

from $190,000

10F

49

Tribute Communities

RCMI

416-363-4800

50

Fieldgate Homes

Corktown Mews

corktownmews.ca

•

from $550,000

9H

70

Mattamy Homes

Cornell

mattamyhomes.com •

•

from $390,000

7G

77

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

• • from $2100,000

9H

78

Your Home Developments

Nature’s Path

647-340-6972

•

from $280,000

17E

83

Arista Homes

Lilly Factory Towns

416-792-4872

• •

from $395,000

12G

86

Menkes

Humber Mews

menkes.com

•

3I

86

Menkes

Dwell city town

416-259-2525

•

from $280,000

3I

87

Menkes

Bloom Park Towns

416-730-1600

•

from $320,000

8B

89

Decade Homes

Yorkdale Village

416-638-5656

•

from $250,000

6D

90

Sundance Homes

Braeburn Lane

sundancehomes.ca •

from $430,000

15D

• from $324,000

8I

Toronto, Etobicoke, York, North York, East York, Scarborough

416-630-5039

Site

central region:

Goddard on the valley

Builder

Fi Map nd er

Arista Homes

De ta Se ch m ed To i w n Co hom nd e o

# Si te

1

61

Steeles Ave W

Kipling Av

K

ence

J

7

Clar St

42

Isl on 48

t ing

I

Huntington

Langstaff Rd

3 46

2

21

6

40

18

Major Mackenzie

Cr

H

Teston Rd

400

4

24

54

8

27

400

9 King Rd

10

Rutherford Rd

26

Maple

7

55

52

51

49

25 5

20

10

22

Centre St

Thornhill

34

15

19

14

Clark Ave W

14

8

4

40

47

12

33 28

13

41

7

23 16

31 44 7

45

53

12

Langstaff Rd

32

11

Keele St

G

7

King-Vaughan Rd

6

Weston Rd

F

1

Kirby Rd

5

Dufferin St

City of Vaughan

2

4

Pine Valley

E

3

Nashville Rd

2

Jane St

D

1

Cold Creek

C

B

A

central region: Vaughan, Maple, Woodbridge, Thornhill

Hwy. 27

62

Bathurst St

e Av

e

Rd

50

12 Line R

d

16

17

18

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

15

19

Tel

Price Range

Page No.

1

Aspen Ridge Homes

Kleinburg Hills

647-921-0381

•

from $800,000

IFC 4E

4

Arista Homes

Vellore Woods

aristahomes.com •

from $650,000

49 8F

24

Fieldgate Homes

Vaughan Valley Estates

905-303-4728

•

from $1300,000

24

Arista Homes

Vaughan Valley Estates

905-303-1929

•

from $800,000

31 9F

44

Madison Homes

Thornhill Ravines

905-417-1203

•

from $1100,000

11 14g

51

Aspen Ridge Homes

King Oaks

905-539-0181

•

from $1100,000

IFC 12A

1

Country Wide Homes

Kleinburg Hills

KleinburgHills.com •

4E

2

Tribute Communities

Gates of Nobleton

647-633-3500

•

from $820,000

4A

3

Tiffany Park Homes

Valleybrooke Estates

905-303-1620

•

8E

42

Dunpar Homes

Riverside Village

416-253-5888

•

from $519,000

44

Madison Homes

Thornhill

905-417-1203

•

14g

46

Country Wide Homes

The Point at Woodbridge

905-907-1500

•

from $700,000

8E

47

Country Wide Homes

Upper Thornhill Estates

905-907-1500

•

from $900,000

14E

48

Beaverhall Homes

Regency Estates

905-265-2634

•

from $1301,000

6H

48

Graywood Developments Ltd

Regency Estates

905-265-2634

•

from $1250,000

6H

51

Great Gulf Homes

King Oaks

905-833-6413

•

from $1250,000

12A

52

Zancor Homes

Royal Collection

905-833-0883

•

•

from $550,000

12A

53

Treasure Hill Homes

Thornhill Woods

treasurehill.com •

from $950,000

13g

54

Fieldgate Homes

Rivers Edge

905-320-5642

•

• •

from $730,000

8E

55

Oskar Group

Le Sedici

lesedici.com

from $600,000

10E

Insert & 25 9F

5I

central region: Vaughan, Maple, Woodbridge, Thornhill

Site

M Fi ap nd er

Builder

De ta Se che m d To i w n Co hom nd e o

# Si te

63

1

2

3

4

5

6

7

8

27

6

G

20 3

oad

ider

S rson Jeffe

15 16 14

19th

22

3

7

St

r

Mill

St

St

11

nzie

ath Str

acKe

rM Majo

ea

N

e Av rn

dW

ick R

25 2

Q R

.

Ave

404

Dr

st St

Bathur

P

dr Wel

16th

am Denh

O

Leslie

Neal D

ent

d

ills R

nM Elgi

26

Reg

404

23

St

K

13

d Yorklan

21

8

central region: Richmond Hill

d

Gam 1

J

64

Ave.

ble R

I

M

404

9

H

L

5

St Yonge

22 Rd King 24

F

12

4

D E

11

t

m

Bloo

road

Side

Ave

C

on ingt

Bayview

B

10

Leslie S

A

9

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

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

Price Range

Page No.

1

Heathwood Homes

Hampshire Mews

416-637-3520

from $450,000

53 5I

4

Aspen Ridge Homes

Kettle Lakes Club

289-231-2849

14 Arista Homes

Jefferson Forest

15 Madison Homes

•

from $550,000

IFC 6D

LiveAtJeffersonForest.com •

•

from $560,000

47 4H

Jefferson Forest

LiveAtJeffersonForest.com •

•

from $560,000

47 4H

15 Forest Hill Homes

Jefferson Forest

LiveAtJeffersonForest.com •

•

from $560,000

47 4H

16 Fieldgate Homes

Jefferson Forest

905-884-8017

•

•

from $560,000

25 & 47 4H

27 Acorn Homes

Oak Knoll

905-773-9257

•

from $615,000

73 4C

2

Pemberton Group

The Royal at Bayview Glen

905-709-5700

• from $190,000

3

Centra Homes

The Mills Collections

416-238-2404

•

5

St. Regis Homes

Mission Hill on Bayview

905-884-8885

from $850,000 6C

6

Fieldgate Homes

The Humberlands

905-773-7738

•

from $850,000

2C

20 North Star Homes

King’s Crossing

416-291-9666

•

from $440,000

2E

22 Yorkwood Homes

Hillside Manors

905-770-4662

•

from $472,000

25 Treasure Hill Homes

Urbantowns on Bayview

treasurehill.com

•

from $550,000

7Q

26 Arten Development Group

The Manors of Roseview Grand

roseviewgrand.com

• •

from $650,000

from $940,000

6Q

5J

5I

4L

Richmond Hill

Tel

central region:

Site

Fi M ap nd er

Builder

De ta Se che m d To i w n Co ho n d me o

# Si te IFC-Inside front cover

65

e Ave

les A

grove

Hend

Stee

in Woodb

56

Alder

Thornhill ve E

John St

62

45

Dr

Van

d eroa

66

l d yT eroa err erb n Sid d l E ngto i m Bloo

St

404

St

8 Hwy. 4

Denison

nald

ve 14 A

McDo

59

11 Con

Sid dorf

d St

10

Hwy 7

Edwar

Hwy 7

75

Dr lock 61 Bul y7 Hw

23

3

404

n St 21 ngto 22 Welli

9

Rd.

w Ave.

K

Ave

Bayvie

404

dy Rd

24

h St Jo

ide n's S

47

47 13

64

Gor

t

S ham

St

E

9

Town of Aurora

7

404

14

t

J

n Warde

Leslie S

I

Kenne

64 4

hts

Heig

Dr

54

D

r

D avis

Elgin

13

le ffvil Stou

Rd

r Side

oad

17 20

Milla

34

19

85

rd St

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

ve 19 A

ider da S

3

Rd ton ming Bloo

oa d

18

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

404

oad

es Beth

r Side

hn's St Jo

17

n Rd Vivia

Rd lbert 54 Mt A

16

orf d Van

a Rd or Aur

of Town chhur c e it Wh f ville Stouf

15

an Rd

McCow

H

n Rd

ve 16 A n Rd r a C lto

Ra

18

a McCow

30

ock

Mul

Town of Newmarket

ard Orch

4

51

Ea

t gle S

Spruce

G

nR

404 y 31 Pkw 81 het Cac

tS

Main S le Dr ymervil

52 8 42 12

9 Line

65

cessio

6 35 57 41 11 70

G

12

e Ave

25

10 Con

Town of 50 Markham

46

11

.

ane

L reen

10

44 1 55 7

9

in Woodb

nzie 5 acke or M j 53 a M

8

y Rd

Kenned

d

ills R

nM

7

Bayview Av e

Elgi

e

6

McCow

ve 18 A

v 19 A

5

an Rd

F

4

Ave Warden

E

Thornhill

3

Town of Markham

Town of WhitechurchStouffville

2

t Yonge S

D

Town of Aurora

Town of Newmarket

1

St N

C

B

A

central region: Markham, Aurora, Newmarket, Whitchurch-Stouffville

48

Rd

Main

n Rd

en

66 cessio

Al d

9 Con

cessio nR

Dr

erson

Ave

t

S Yonge

Tel

Price Range

Page No.

4

Fieldgate Homes

The New U

905-477-6464

•

• •

from $550,000

Insert, 25 & 29 5G

4

Arista Homes

The New U

905-534-1564

•

• •

from $550,000

29 5G

4

Paradise Homes

The New U

905-477-0317

•

• •

from $550,000

29 5G

4

Starlane Home Corporation The New U

905-534-0493

•

• •

from $550,000

29 5G

5

Treasure Hill Homes

Accolades

treasurehill.com

21 6F

6

Primont Homes

Heirloom in Markham

905-201-2804

• •

from $400,000

13 7f

9

Brookfield Homes

The Arbors

AuroraBrookfield.ca •

from $500,000

17 14F

11 Madison Homes

Greensborough

madisonhomes.ca •

•

11 7F

20 Fieldgate Homes

BlueSky Stouffville

905-640-0002

•

•

from $443,000

Insert & 25 18f

20 Starlane Home Corporation BlueSky Stouffville

starlanehomes.com •

from $434,000

27 18F

24 Ballantry Homes

Cornell

ballantryhomes.com •

•

from $490,000

5 8g

30 Madison Homes

Cornell Rouge

905-472-7667

•

from $590,000

11 & 35 8F

30 Forest Hill Homes

Cornell Rouge

cornellrouge.com

•

from $480,000

35 & 77 8f

41 Aspen Ridge Homes

Upper Cornell

905-554-3446

•

•

from $495,000

IFC 7F

52 Fieldgate Homes

Potter’s Bend

905-294-3125

•

•

from $602,000

Insert & 25 6G

•

59 Primont Homes

Harmony

905-305-8871

•

from $630,000

13 5I

65 Fieldgate Homes

Victoria Manor

905-294-3125

•

from $896,000

25 3G

66 Treasure Hill Homes

Aurora Woods on Bayview

treasurehill.com •

from $769,000

21 13H

1

Marydel Homes

Woodland Hills

905-898-7380

•

from $400,000

10B

Beaverbrook Homes

The Terrace On Rouge Creek

905-640-7360

• •

from $390,000

17F

3

Mattamy Homes

St. John Forest

mattamyhomes.com

from $430,000

13E

7

LeBovic Homes

Bovaird Trail

905-640-7361

•

• •

from $2597,000

14H

8

Country Wide Homes

Wismer Commons

905-907-1500

•

•

from $450,000

6F

10 Briarwood Homes

Havelock Town Manors

289-301-0077

•

from $569,000

12 Laurier Homes

windsong

905-201-5979

•

•

from $495,000

6G

12 Laurier Homes

Windsong North

905-201-5979

•

from $598,000

6G

17 Conservatory Group

Heritage Estates

905-640-2274

•

•

from $283,000

18E

18 Kylemore Communities

Angus Glen West Village

905-887-9950

•

from $2000,000

4G

28 Preston Homes

Copper Hills

905-954-4050

•

from $500,000

14d

30 Madison Homes

Forest Hill

cornellrouge.com

•

from $400,000

8F

42 National Homes

Wismer Woods

416-746-1234

•

• •

from $680,000

6G

50 Geranium Homes

The Neighbourhoods of Cardinal Point 905-640-9999

•

•

from $575,000

7F

50 Geranium Homes

Cardinal Point Downtown Stouffville 905-640-9999

•

•

from $600,000

7F

50 Geranium Homes

Uptownes at Cardinal Point

905-640-9999

•

•

from $390,000

7F

50 Geranium Homes

Copperstone Ballantrae

905-640-9999

•

•

from $1.1,000

7F

51 Oxford Homes

Coventry Valley

905-836-8902

from $600,000

9C

53 H&R Developments

Castle Square

hr-newhomes.com

•

6g

54 Beaverbrook Homes

Victoria Highlands

416-924-0110

•

from $450,000

16B

55 Country Wide Homes

Woodland Hills

905-907-1500

•

10C

62 North Star Homes

Mill Fair Village

NorttStarHomesInc.com

•

from $500,000

6G

64 Starlane Home Corporation Upper Unionville

905-534-0493

•

• •

from $520,000

5G

64 Paradise Homes

Upper Unionville

905-477-6464

•

•

from $520,000

5G

85 Orchard Ridge Homes

Prairiewood

orchardridgehomes.com •

from $800,000

16F

2

6I

central region: Markham, Aurora, Newmarket, Whitchurch-Stouffville

Site

M Fi ap nd er

Builder

De ta Se che m d To i w n Co hom nd e o

# Si te

67

K

9

59

Mono Adjala 14

51

15

King

Schomberg

9

Keswick

11

2

48

Georgina

k La

e

co

im eS

11

East Gwillimbury

45 34 70 400 16 5 Bradford

32

Tecumseth and Tottenham65 71

Beeton

12

0

10

Hwy 5

Shelburne

89

44

Alliston61

47

Essa

400

37 55

Barrie

Oro

6

Orillia

11

15

11

12

48

29

13

Lindsay

Uxbridge

Cannington

7 3

9

Scugog

Oshawa

Dr

14

401

15

27

E

400

ark

Dr

Map

8

r

30 wD levie

18

19

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

* Due to scale restrictions locators are approximate.

Please see builder’s ads for exact locations.

on P

Bay

Mols

Big

17

e Av tle Lit Yo ng eS t t Rd Poin

Steel St

16

Lakesh ore Burton Av Dr e

St

400

lop

Newcastle

Manvers

d

r

n Du

Barrie

D view le

42

mR Sale

Map

Rd agh Ard 4

r lle Mi

og Scug

13

Lake

eon

Georgina Island 33 obcayg B

Mara

10

s Dr

J

72

58

40

400

Vespra

90 48 Lisle 44 Angus

Sunnidale

Tosorontio Everett

1

43 34 39

Wasaga Beach

93

69

9

Bracebridge

8

n Vetera

I

H

24

60 41

27

27

Tay

69

400

7

St

G

24

6

irv

3

Midland

5

Huron Rd

iew

F

E

4

Fa

Thornbury

Georgian Bay

3

t tS

D

2

ne

An

C

1 St.

B

A

Barrie, Collingwood, Wasaga, Innisfil, Keswick

th St

68 Duckwor

north region:

en

nc Vi ia Rd

Price Range

Page No.

from $390,000

98 2E

14 Aspen Ridge Homes

King Country Estates

905-558-0255

•

from $780,000

IFC 7k

65 Brookfield Homes

Willow Glen Tottenham

BrookfieldTottenham.ca

•

from $300,000

16 7J

71 Ballymore Homes

Mill Street Village

1-855-232-8100

• •

from $296,000

71 7J

1

Pacific Homes Limited

MarlLake Village

1-877-428-5115

•

from $210,000

4F

1

Red Berry Homes

MarlLake Village

1-877-428-5115

•

from $210,000

4F

2

Delpark Homes

Cedar Ridge

905-722-7210

•

• •

from $270,000

9G

4

Mancini Homes

Princeton Woods

705-730-1978

•

from $330,000

14E

5

National Homes

The Forest

416-746-1234

•

from $490,000

6

Mariposa Homes

Trailside

705-329-3330

•

•

from $249,000

8C

6

Mancini Homes

West Ridge Place Orillia

905-773-9997

•

8C

8

Fandor Homes

Hamptons on Big Bay Point

705-792-6807

•

from $250,000

18D

9

Grandview Homes

Big Bay Point

705-735-0732

•

from $355,000

13E

11 Ballymore Homes

Lakeside Meadows

1-877-455-0201

•

•

from $290,000

9g

11 Ballymore Homes

Lakeside Meadows

1-877-455-0201

•

from $293,000

9g

12 Previn Court Homes

Victorian Village

1-855-7PREVIN

•

•

from $280,000

13 Averton Homes

Victoria Highlands

416-924-0110

•

from $450,000

9H

13 Rosehaven Homes

Victoria Highlands

905-473-3225

•

from $450,000

9H

14 Rosehaven Homes

King Country Estates

905-558-0098

•

from $700,000

7k

14 Country Wide Homes

King Country Estates

905-907-1500

•

from $750,000

7k

7I

6I

16 Great Gulf Homes

Summerlyn Village

905-775-3461

•

from $580,000

7I

17 Brookfield Homes

Grand Central

905-778-0873

•

from $440,000

8I

17 Brookfield Homes

Grand Central

905-778-0873

•

from $340,000

8I

24 Kaitlin Corporation

Blue Shores

1-866-625-2583

•

from $380,000

2E

•

32 Country Homes

Alcona by the Lake

1-866-531-3424

•

from $300,000

7G

33 Sandiego Homes

Lakeside Living in Innisfil

705-436-5445

•

•

from $285,000

7F

37 Pristine Homes

Pebbleshores

705-436-5547

•

from $240,000

7G

39 Stonebridge Building Group Stonebridge by The Bay

1-877-420-0880

•

from $200,000

5E

40 Royalpark Homes

Emerald Forest

royalpark.com

•

•

from $200,000

41 Delpark Homes

Pretty River on Georgian Bay

1-888-257-1999

from $298,000 3E

43 Bremont Homes

Centretown

1-877-855-1122

•

from $234,000

5E

44 RAYMAC Homes

Brennan Enclave

705-516-0681

•

from $252,000

6G

Treetops

705-435-3577

•

from $280,000

6I

44 Orchard Ridge Homes

Treetops

705-435-3577

•

from $280,000

6I

45 Rosehaven Homes

Dreamfields in Bradford

416-410-0175

•

•

from $300,000

8I

45 Regal Crest Homes

Dreamfields in Bradford

dreamfieldsbradford.com •

•

from $311,000

8I

45 Country Wide Homes

Dreamfields in Bradford

dreamfieldsbradford.com •

•

8I

46 Devonleigh Homes Inc.

Creekside

705-444-0555

•

•

from $210,000

3e

6I

47 Devonleigh Homes Inc.

Parkside by Devonleigh

705-435-9991

•

from $275,000

6h

48 Devonleigh Homes Inc.

Brownley Meadows

705-423-9662

•

•

from $225,000

6G

55 Briarwood Homes

Briarwood Estates

705-294-2288

•

from $420,000

7G

58 Lakeview Homes

Greenbrook Village

519-306-0665

•

from $280,000

59 Brookfield Homes

Fieldstone

1-855-379-1495

•

from $590,000

5J

59 Delpark Homes

Fieldstone MyFieldstone.ca

•

from $570,000

5J

60 Briarwood Homes

Pretty River Collingwood

1-888-257-1999

•

from $310,000

3E

70 Far Sight Homes

Greenfields

1-855-299-7929

•

from $285,000

71 Briarwood Homes

Mill Street Village

1-855-232-8100

• •

from $293,000

7J

3I

6I

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Tel

losanihomes.com/readybuilt

44 Brookfield Homes

IFC-Inside front cover

Site Summit Shores

north region:

Builder

Fi Map nd er

Losani Homes

De t Se ach m ed To i w n Co hom nd e o

# Si te 3

69

2014 SHOPPING GUIDE

2014 ISSUE NOW AVAILABLE!

sHoppIng Curating a selection of the GTA’s top home & decor shops and services

FREE

2014 HOME DECOR AND RENOVATIONS

GUIDE

shop TILL PANTONE® 19-3224 RADIANT ORCHID

YOU DROP! WE HAVE THE LATEST TRENDS, SHOPPING TIPS, ADVICE AND MORE

A SPECIAL ADVERTISING SUPPLEMENT

SG cover 2014-FIN.indd 1

2014-01-15 2:14 PM

416.626.4889

LOVE TO SHOP? Our 2014 shopping guide profiles some of the GTA’s top home and décor shops and services.

70 NEW HOME GUIDE GTA | JAN 25 - FEB 8, 2014

newhomeguide.ca

The

Great

Townhome

Event 295,990 $

from

TOTTENHAM IS CLOSE TO EVERYTHING...

Vaughan Mills Centre • Woodington Lakes Golf Club • Pearson International Airport • Hwy 400 and 407 • Downtown Toronto Semi Detached from

$334,990 •

40’ Singles from

$423,990

Don’t miss your chance to become a part of this successful community.

Over 200 homes sold since our launch,come celebrate in our success!

1-855-232-8100 • millstreethomes.com

TOT T E N HA M

SALES OFFICE HOURS: Mon-Thurs: 1-8pm, Fri. – closed, Sat., Sun. & Hol.: 11am – 6pm Prices and specifications are subject to change without notice.

All renderings are artist’s concept. E. & O. E.

71

//In the news

Canada to benefit from a strengthening U.S. economy in 2014 RBC Economics After another year of mediocre growth, Canada’s economy is expected to perk up in 2014, supported by a pick-up in exports and strengthening business investment, according to the latest Economic and Financial Market Outlook from RBC Economics. RBC is forecasting real GDP growth of 1.7 per cent for 2013, 2.6 per cent in 2014 and 2.7 per cent in 2015.

“The U.S.’s slow and subpar recovery has no doubt played a part in the underperformance of Canadian exports through 2013,” says Craig Wright, senior vice-president and chief economist, RBC. “Looking ahead to 2014, we anticipate that stronger growth south of the border will translate to increased demand for Canadian exports, especially as the expansion fans out and business investment accelerates. This expected uptick in both exports and business investment is a critical component of our outlook for Canada’s economy.”

The report indicates that strong exports relative to imports in 2014 will result in trade contributing more than it has in a decade to Canada’s annual growth rate. RBC anticipates that this will cause a rebound in investment activity particularly in the manufacturing and mining and oil and gas sectors.

Extra support to external trade will come from a weakening Canadian dollar over the course of next year, says RBC. The softer currency reflects a leveling off in commodity prices alongside a generally firmer tone for the U.S. dollar.

RBC also assumes that neither the Bank of Canada nor the Fed is likely to adjust the overnight policy rate in 2014, meaning short-term interest rate spreads will hold steady. Longer-term yields on government bonds, however, are likely to rise in line with the gradual, upward shift in U.S. treasury yields; RBC indicates that the pace of increase will be gradual enough to ensure that the economy doesn’t falter and that the Canadian housing market stabilizes.

72 New home guide GTA | jan 25 - feb 8, 2014

Canada’s labour market has been resilient with 148,000 jobs created so far in 2013 and the unemployment rate falling to a cycle low of 6.9 per cent, RBC says. This increase in employment has driven up wages by close to 2.0 per cent on average so far this year while inflation has only increased at an average 0.9 per cent pace. As labour markets tighten further, wage pressures are expected to have a greater upward impact on inflation through the forecast moving it closer to the Bank of Canada’s 2.0 per cent target rate. RBC notes that real wage gains will continue to fuel consumer spending going forward.

“Rising incomes and improving household balance sheets will be the key factors supporting consumer spending which we expect to grow by 2.5 per cent in 2014, up from 2.2 per cent this year,” adds Wright.

On the provincial front, RBC says that an improvement in underperforming provincial economies will be reflected in Canada’s real GDP growth rising in 2014.

The country will continue to see the west out-performing the east with the dividing line shifting slightly east to the OntarioQuebec border.

JAN 25 - FEB 8, 2014 | NEW HOME GUIDE GTA 73

//community focus

Executive estate manors in a prestigious neighbourhood

Beaverhall Homes’ Regency Estates in Woodbridge

T

he European splendor of Woodbridge provides a glorious setting for Regency Estates, Beaverhall Homes’ exclusive community of just 34 homes nestled into the most prestigious residential neighbourhood in the area, and one of its last established enclaves. Beaverhall’s collection of executive estate manors on 60-, 65- and 70-ft. lots is situated in an intimate crescent on the former Reeves Gardens property, across from scenic Boyd Park.

Luxurious interiors beckon with elegant estate living. Among the customdesigned appointments are soaring 10-ft.

74 New home guide GTA | jan 25 - feb 8, 2014

ceilings on the main floor and nine-ft. ceilings on the second floor and basement levels; premium oak staircases; exquisite crown and ceiling mouldings. The main level features rich ceramic or porcelain tiles, plus prefinished stained oak strip flooring throughout the non-tiled areas.

Gourmet kitchens fit for a master chef feature fine-crafted cabinetry with extended uppers and a glass tile backsplash; gleaming granite countertops, islands and pantries. The ultimate spa experience awaits in the master ensuite, with marble floors and countertops, a floating acrylic tub and an oversize frameless glass shower stall.

beaverhall HOMES | Regency Estates

Luxurious interiors beckon with elegant estate living.

Location Woodbridge Housing Type

Executive estate manors on 60-, 65and 70-ft. lots Sales centre:

87 Charmaine Rd. Contact 905.265.2634 beaverhall.com

Visitors can tour a stunning model home designed to capture the regal ambience of these magnificent residences. The sales centre and model home are located at 87 Charmaine Rd. in Woodbridge. For hours and directions, call 905.265.2634 or visit beaverhall.com

jan 25 - feb 8, 2014 | New home guide GTA 75

Model Home Photo Compliments of Beaverhall Homes www.beaverhall.com

The Rose really is as beautiful as its name at Beaverhall Homes’ Regency Estates in Woodbridge. This stunning 5,865 sq. ft. model is truly a vision of luxury living.

JANUARY2014 Beaverhall Homes has been featured as “MODEL HOME OF THE MONTH” as seen in the new home guide model home calendar

Fully Upgraded Executive

FREEHOLD TOWNS in Markham

Two master bedrooms, each with a master ensuite available in our spacious freehold townhomes!

MARKHAM

Sales office located at the S/E corner of Cornell Centre Blvd. and 16th Ave.

PLUS*

✔ 3 1/2 baths ✔ Upgraded hardwood on main floor ✔ Stained oak stairs ✔ Smooth ceilings ✔ Glass shower ✔ Upgraded cabintery ✔ Granite countertop in kitchen ✔ Plus much, much more

LARGE FREEHOLD TOWNHOMES STARTING FROM THE

480’s

$

from 1,737 sq.ft.

LIMITED TIME OFFER • FULLY DECORATED MODELS HOMES NOW OPEN

foresthillhomes.ca or 905-472-0229 * As per applicable Bonus and floor plan, applies to firm purchases only between November 1st and December 31st, 2013.

May not be included in finished/inventory homes. See sales representative for details. To be valid Bonus must be included in an accepted Agreement of Purchase and Sale. Prices, plans, specifications and bonus’ are subject to change without notice. E and O.E,

77

//In the news

The Ossington

Relaxed urban living in the heart of downtown Dunpar Homes will soon be opening The Ossington – a collection of just 54 luxurious townhomes located on Ossington Avenue between Davenport and Dupont.

Designed with a distinctly British flair, these homes feature up to 2,000 sq. ft. of fine living space crowned with stunning rooftop terraces that provide magnificent possibilities for al fresco living and expansive outdoor entertaining.

Located close to the emerging new Ossington Village Neighbourhood, The Ossington is adjacent to many of the hippest communities downtown. It is surrounded by unique restaurants, pubs and hotspots that add a distinctly cool dimension to the neighbourhood. Here, the scene is bohemian, laid back and artsy – where many local restaurants and an unpretentious bar scene have become the destination of foodies and groovies throughout the city. This is one of Toronto’s newest cool destinations, and it’s all just a short distance away from The Ossington.

Homes here start at $699,999 and offer the very latest in contemporary finishes, including granite countertops, stainless steel appliances and crown moulding.

The Ossington’s sales centre will be opening soon. In the meantime, register for priority previews at theossington.ca

78 New home guide GTA | jan 25 - feb 8, 2014

RELAXED URBAN LIVING IS COMING SOON TO DOWNTOWN. TORONTO’S NEWEST CULTURAL CORRIDOR Luxury townhomes with a British flair are right at home in Toronto’s new cultural corridor at Ossington and Dupont. Introducing The Ossington, Luxury Townhomes.

Surrounded by some of the city’s

trendiest neighbourhoods (Ossington Village, Little Italy, Hillcrest Village, Corso Italia and The Annex), The Ossington offers glamourous designs up to 2,000 sq. ft., lavishly finished and crowned with huge rooftop terraces. This oasis of calm in the city gives you the TTC right at the door and steps to shopping, dining and entertainment.

54 MAGNIFICENT TOWNHOMES UP TO 2,000 SQ. FT. PRICED FROM $699,999 OCCUPANCY SUMMER 2015!

REGISTER NOW FOR PRIORITY VIEWING! WWW.THEOSSINGTON.CA

Prices and specifications are subject to change without notice.

79

IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property.

That’s why we put you right in the middle of the search process.

Search your favourite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

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

Powered by

80 NEW HOME GUIDE GTA | JAN 25 - FEB 8, 2014

Opening March 2014 in the Town of Beaverton

Enjoy small town living near the shores of Lake Simcoe with this exclusive collection of detached bungalows and two storey homes on 40’ & 50’ lots.

$

Starting from

289,900

Register Now at MarydelHomes.com

Prices & specifications subject to change without notice. E. O. & E. 81

//make your move

Blizzards, black ice

and moving » by Chuck Resnick

Moving when ice and snow are in the daily forecast isn’t a popular choice for many Canadians. It’s cold and

Chuck Resnick

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

slippery; but with some extra safety precautions, winter moving also has many advantages.

Moving last minute? No problem, if it’s during the cold months. Choosing to move in the “off season” – sometime between November and March – can save you time and money.

Summer is the busiest season for moving companies. This means you must be well prepared, booking six to eight weeks in advance to ensure your preferred moving company is available. Not only are they higher in demand but generally their rates are also more expensive.

Some companies may be more willing to negotiate their rates during the winter months as they’re competing for business during the slow season. Likewise, less rush and stress for companies in the winter means you get their best employees resulting in a higher quality of service.

With everything booked, now comes the packing. Follow these tips for a relaxed and toasty move – no matter what’s going on outside those frosted windows. ›› Have a contingency plan. Keep up to date with local weather forecasts and change your plans accordingly. If a big snowfall or freezing rain is expected the morning of your move day, don’t risk it.

Keep cosy. Carry extra warm clothes for you and your family – including hats, gloves and snow pants. Pack these ahead of time and clearly label them so you can locate them immediately. ›› Keep cosy. Carry extra warm clothes for you and your family – including hats, gloves and snow pants. Pack these ahead of time and clearly label them so you can locate them immediately. ›› Remember your items will be in a non-heated environment for a while. Ensure your plants, electronics and liquids are properly packed and protected from the cold. ›› A llow extra time on the move day – cold weather slows things down. Additionally, rushing in the winter can lead to accidents and injuries.

82 New home guide GTA | jan 25 - feb 8, 2014

›› Have driveways and sidewalks cleared of snow before the movers arrive. Your driveway needs to be ploughed wider than usual – enough to allow the moving truck’s loading ramp to be positioned as close to your front door as possible. Lay plywood down on muddy or slushy areas. Slipping can not only lead to dropped boxes and broken possessions but also personal injury. ›› Quality movers will use floor runners to protect your floors in high traffic area but for extra protection inside, cover your floors to protect them from tracked-in snow, mud and salt. ›› Drive safe. Make sure maintenance and service on your vehicles is current.

Check the air pressure on your tires and ensure the trunk is equipped with emergency kits (matches, flashlight, food), blankets and shovels. Drive slowly with extra caution. ›› Be certain that your heating company for your new home is aware of your move in day.

Wintertime moving doesn’t have to be wet and miserable. With these reminders, you’ll be packed up, moved and basking in the warmth of your new home before you know it.

FANTASTIC LOCATION & UNBELIEVABLE VALUE IN SUTTON

36 ' Windsor Gate Elevation A

40' Windsor Hall Elevation B

36ft. Lots 40ft. Lots starting from

$349,990

starting from

$379,990

IT’S ALL ABOUT FINDING THE RIGHT BALANCE AND A PLACE TO LOVE With a population of 5,000, Sutton is a closely knit community and part of the Town of Georgina. The town of Keswick is just a 10-minute drive where you’ll find big box retailers such as Wal-Mart, Home Hardware, Food Basics, Fresh Co. and other retailers to satisfy all your shopping needs. It’s all just minutes from Highway 48, and minutes from the new 404 extension at Ravenshoe Rd., with Toronto less than 40 minutes to the south.

TOWNHOMES Starting from

SUTTON

$274,990

MyJubilee.ca

SALES OFFICE: 4950 Baseline Road, Sutton, ON, LOE 1RO

1.877.455.0201

Prices and specifications are subject to change without notice. E. & O.E. All renderings are artist concepts.

CHINESE HOME & CONDO GUIDE 網上 參閱

各式電子工具都可瀏覧

ChineseHomeGuide.com

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

1 25 - Mar 8, 2014 Volume 3 Issue 一月二十五日至三月八日 / Jan

C

M

Y

CM

MY

CY

CMY

K

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

Pick Up Your Copy Today or call us for a free copy at 416.626.4889!

程 迎接馬年慶祝活動 • 馬年運 年青人仕置業攻略 • 大多市 1/15/14 10:12:33 AM 1/14/14 2:55:40 PM 14.indd 1 GTA Chinse Front Cover_0125

newhomeguide.ca 84 NEW HOME GUIDE GTA | JAN 25 - FEB 8, 2014

Jan 25 - Feb 08, 2014

Showcasing new homes in the GTA’s west region

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

86

K

J

I

H

G

F

E

D

C

B

A

1

2

3

west region:

3

24

4

26

5

Mississauga

5

6

7

2

8

9

10

11

12

13

14

16

17

18

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

15

19

905-795-8307

1

Vandyk Communities

Windows on the Green

2

Amacon

The Towns at Parkside Village

3

Price Range

•

vandykcommunities.com

• from $300,000

5H

705-435-9991

•

from $550,000

8F

Starlane Home Corporation Churchill Woods

churchillwoods.ca

•

• •

from $529,000

4E

3

Greenpark Homes

Churchill Woods

churchillwoods.ca •

• •

from $529,000

4E

4

Conservatory Group

Central Park North

905-890-0195

•

•

from $465,000

7F

5

Dunpar Homes

Heritage Gate

heritagegate.ca

•

from $500,000

6F

19

Dezen Homes

McLaughlin

905-696-7938

•

from $544,000

8B

23

Dunpar Homes

Park View Trail

416-253-5888

•

from $500,000

11F

from $520,000

Page No.

99 8B

Mississauga

Derry Village Mississauga

Tel

west region:

Forest Hill Homes

Site

Fi M ap nd er

20

Builder

De ta Se ch m ed To i w Co nho nd m o e

Si te

# IBC-Inside back cover

87

1

2

3

4

5

6

7

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9

10

11

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Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

r

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

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Tel

Tribute Communities

Landscapes

905-893-3331

• •

from $399,000

15 8M

7

Aspen Ridge Homes

Mayfield Village

905-230-2592

•

• •

from $350,000

1 7M

Vales of the Humber Estates

treasurehill.com

Page No.

8

Treasure Hill Homes

•

from $620,000

21 & 45 10N

8

Starlane Home Corporation Vales of the Humber Estates

valesofthehumber.com

•

from $620,000

45 10N

8

Greenpark Homes

Vales of the Humber Estates

valesofthehumber.com

•

from $620,000

45 10N

9

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

• • from $364,000

8-9 6P

10 Starlane Home Corporation Mount Pleasant Meadows

meadowsbrampton.com

•

18 6O

Mount Pleasant Meadows

meadowsbrampton.com

•

18 6O

11 Greenpark Homes

Lotus Pointe Caledon

LotusPointeCaledon.ca

•

19 5L

11 Starlane Home Corporation Lotus Pointe Caledon

LotusPointeCaledon.ca

•

19 5L

11 Rosehaven Homes

Lotus Pointe Caledon

LotusPointeCaledon.ca •

19 5L

11 Fieldgate Homes

Lotus Pointe Caledon

LotusPointeCaledon.ca •

•

19 & 25 5L

12 Great Gulf Homes

Westfield

905-459-5772

•

from $479,000

94-95 7Q

Centretown

905-495-5067

•

• •

from $356,000

43 9M

48 Aspen Ridge Homes

Credit Manor Heights

905-216-5155

•

•

from $400,000

IFC & 55 7Q

48 Regal Crest Homes

Credit Manor Heights

yourkingdom.ca

•

•

from $850,000

55 7Q

48 Country Wide Homes

Credit Manor Heights

yourkingdom.ca

•

from $850,000

55 7Q

60 Primont Homes

Castlemore

905-856-5777

• •

from $410,000

13 9K

62 Fieldgate Homes

Valley Lands

905-457-0445

•

• •

from $392,000

Insert & 25 9O

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $510,000

94-95 6P

66 Ballantry Homes

Spring Valley Village

ballantryhomes.com

•

from $420,000

5 9M

2

Coscorp Inc.

The Village of Southfields

thevillageofsouthfields.ca •

• •

6L

2

Monarch Corporation

The Village of Southfields

905-843-0707

• •

from $390,000

6L

3

Empire Communities

Lakeside

empirelakeside.com •

•

from $350,000

7N

4

VanMar Homes

Credit Ridge Estates

416-746-1234

•

from $550,000

8P

5

Tiffany Park Homes

The Estates of Spring Valley

905-216-5620

•

from $583,000

6P

6

Townwood Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Country Wide Homes

Gates of Countryside

905-907-1500

•

from $400,000

9M

6

Regal Crest Homes

Countryside Meadows

countrysidemeadows.ca

•

from $346,000

9M

6

Royal Cliff Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Starlane Home Corporation Gates of Countryside

starlanehomes.com

•

from $520,000

9M

9

Mattamy Homes

• • from $255,000

6P

•

•

Mount Pleasant Village

mattamyhomes.com

•

17 Pemberton Group

Rosedale Village Golf & Country Club

905-799-5000

•

• • • from $190,000

18 Saberwood Homes

Heart Lake Village

905-773-6549

8N

Salisbury Square

mattamyhomes.com

•

•

19 Mattamy Homes 25 Heathwood Homes

Terracotta Village at The Credit Valley 905-874-4741

32 Forest Hill Homes

Ravines of Castlemore

• from $300,000

8L

from $314,000

10N

•

from $430,000

9Q

905-794-8875

•

from $650,000

8K

37 Oxford Homes

Adena Ridge

905-584-6444

from $600,000

5H

38 Andrin Homes

Turnberry Townhomes

AndrinTowns.com

•

from $350,000

9M

45 Brookfield Homes

Pathways

1-855-379-1495

•

from $420,000

8K

51 Acorn Homes

Castlegate

acornhomes.ca

•

from $575,000

11K

55 Rosehaven Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

from $390,000

6P

55 Townwood Homes

The Neigbourhoods of Mount Pleasant LoveMountPleasant.com •

•

from $270,000

6P

55 Townwood Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

from $270,000

6P

58 Devonleigh Homes Inc.

Meadowlands

519-942-3312

•

•

from $339,000

3C

64 Meridian Homes

Credit Valley Manors

905-216-5186

•

•

from $400,000

8P

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $509,000

6P

Brampton, Caledon, Bolton

•

10 Valery Homes

21 Primont Homes

IFC-Inside front cover; IBC-Inside back cover

Price Range

west region:

Builder

Fi M ap nd er

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# Si te

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Niagara on the Lake

40 42 Hannon 41

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Rd

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Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

Pa

Milton

Li

ne

Li

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ow

w To

G

1

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2

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Rd

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Acton

2

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Stoney Creek

Grimsby

R

44 37

36

35

St. Catharines

Niagara 420

20

Price Range

Page No.

38 Losani Homes

Ancaster Glen

289-239-7629

from $370,000

98 1P

39 Losani Homes

The Fairgrounds

289-286-0928

from $250,000

98 2Q

40 Losani Homes

Greenhill Glen

905-538-8752

from $270,000

98 4Q

41 Losani Homes

Sherman Oaks

905-574-0828

from $290,000

98 2R

42 Losani Homes

Paramount

905-560-2061

from $230,000

98 3R

43 Losani Homes

Orchard Park

905-930-9943

from $390,000

98 5Q

44 Losani Homes

Discovery

905-563-0666

from $330,000

98 8R

1

Schuit Homes

Perth Park

905-628-9559

• 1Q

2

Great Gulf Homes

Edgewood

905-356-9408

•

3

Spallacci Homes

Simona Place

spallaccihomes.com • 2Q

4

Spallacci Homes

Eden Park

905-381-4280

•

from $320,000 2Q

4

Spallacci Homes

Eden Park

spallaccihomes.com •

from $320,000 2Q

5

Arista Homes

Milton Trails

905-864-3306

9h

6

Country Green Homes

The Uptowns of waterdown

905-690-7600

•

12 Tobyn Park Homes

Park City

parkliving.ca

13 Heathwood Homes

The Village at Traditions

905-876-3140

•

17 Mattamy Homes

Hawthorne Village

mattamyhomes.com

•

from $305,000 12Q

from $250,000 7M

• from $180,000 11l

•

from $441,000 8h

• 9G

20 Parkbridge Lifestyle Communities Inc. Cherry Hill at Vineland

1-800-479-9777

•

from $194,000 12R

22 Country Green Homes

Park Place Village

905-690-7600

•

• •

from $250,000 8m

26 Eden Oak

Weaver’s Mill

weaversmill.com/nh

•

from $336,000 6B

33 Menkes

The Enclaves of Upper Canada

289-891-9103

•

•

from $420,000 9C

35 Phelps Homes

Jordan Village

phelpshomes.com

•

from $345,000 9R

36 Phelps Homes

Brookside

phelpshomes.com

•

from $236,000 7R

37 Phelps Homes

Streamside

phelpshomes.com •

from $316,000 6R

Acton, Halton Hills, Milton, Burlington, Waterdown

Tel

west region:

Site

Fi Map nd er

Builder

De ta Se che m d To i w n Co ho n d me o

# Si te IBC-Inside back cover

91

1

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Oakville

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n

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

Need to update existing information?

Please fax the details to (416) 789-9554

d

eim R

Blenh

An

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

Rd

Elgi

R

vd

Clyde

St.

Q

Bl

ler Rd

Co

d

O

lin Blv

Lang

Hespe

Oakville, Cambridge

h Ave

rdale

St

west region:

Guelp

Beave

n Rd

M

essio

tain Foun

92

ck Rd

le Blo

Midd

Conc

L

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Myer

St

13

Page No.

Fi M ap nd er

Price Range

Treasure Hill Homes

Nautica at Lakeshore Woods

treasurehill.com

•

from $550,000

21 6J

Mattamy Homes

The Preserve

mattamyhomes.com

•

•

from $900,000

Menkes

Millstone On The Park

905-825-3619

•

from $320,000

3G

4E

Oakville, Cambridge

15

Tel

west region:

1

Site

De ta Se che m d i To w Co nho n d me o

# Si te 2

Builder

93

great gulf has eVerYthINg Experience the Great Gulf Difference this weekend with Brampton’s

FIrSt MISSISSAUGA ROAD rELEASE! AND STEELES AVENUE • Brampton’s deepest and best selling Lots • Prestige location and home design • Side door entrance with additional staircase to basement • Brockport Home construction for assured precision building Semi-Detached 1,925 - 2,520 sq. ft. from

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749990

BOVAIRD DRIVE AND CREDITVIEW ROAD

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$

$

509990

600990

You waNt IN bramptoN. Preferred Builder!

UP

UP

GAS FIREPLACE

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SLIDING DOORS SLIDING DOORS W.I.C. FAMILY FAMILY 17’4” X 12’10” 17’4” X 12’10”

BREAKFAST BREAKFAST 18’8” X 10’6” 18’8” X 10’6”

W.I.C.

MASTER BEDROOM MASTER BEDROOM 17’0” X 15’0” 17’0” X 15’0”

ENSUITE ENSUITE

EXTENDED EXTENDED COUNTER COUNTER DW DEN DEN 12’0” X 11’0” 12’0” X 11’0”

DN

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LIN

W.I.C.

DN

W.I.C.

RAILING

RAILING RAILING

CL

W.I.C.

CL UP

OPT. CL

DN

BEDROOM 2 BEDROOM 2 12’0” X 16’0” 12’0” X 16’0”

UP

RAILING RAILING RAILING

OPT. CL

BATH 3 BATH 3

DN

LIVING LIVING 16’6” X 14’416’6” ” X 14’4” DN

GARAGE GARAGE 19’0” X 20’0” 19’0” X 20’0”

W.I.C. BATH 4 BATH 4

(905) 459-5772

DN BEDROOM 3 BEDROOM 3 16’6”(9’4”) 16’6”(9’ X 17’0”(9’10”) 4”) X 17’0”(9’10”)

DN

CL

FOYER

Creditview Rd.

UPPER FAMILY UPPER FAMILY 19’0” X 15’2”(16’6”) 19’0” X 15’2”(16’6”) FOYER

CL RAISED RAISED CEILING CEILING SLOPED SLOPED CEILING CEILING

SLOPED SLOPED CEILING CEILING

COVEREDCOVERED PORCH PORCH

Bovaird Dr.

James Potter Rd.

GREAT GULF SALES OFFICE

SITE

Williams Pkwy.

Queen St.

SITE "

"

Chinguacousy Rd.

BREAKFAST ' " ' "

Mississauga Rd.

CLEARSTORY WINDOW

UP

BH05, 4090 sq. ft. on a 46 ft. lot 4 Bedrooms plus Second Floor Family Room

UP

Ashby Field Rd.

UP

Steeles Ave. Hwy. 407

DW FAMILY

KITCHEN " "

" P

S ENSUITE

F

Sales office hours: Sat. & Sun. 11am - 6pm Mon. - Thurs. 1 - 8pm • Closed Fri.

SH "

DINING DEN

"

DN "

DN

D

LAUNDRY

UP

LIVING

CL

RAILING

LOFT/STUDY "

"

DN

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LIN

DN

UP

Visit the Great Gulf Sales Office for both neighbourhoods at: 9806 James Potter Road, Brampton

BEDROOM 4 BEDROOM 4 11’10” X 13’11’10” 4” X 13’4”

RAILING

UP

DINING DINING 11’10” X 14’8” 11’10” X 14’8”

RAILING

OPT. UPPERS

OPT. UPPERS

D

LAUNDRYLAUNDRY W

SH

CL

RAILING RAILING DN

BATH 2 BATH 2

DN

OPEN TO BELOW

CL

OPEN TOOPEN TO ABOVE ABOVE D

SH CL

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W

W.I.C.

OPEN TO BELOW

F

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DW

KITCHENKITCHEN 19’0” X 9’6” 19’0” X 9’6”

UP

CL

PWD

" GARAGE " "

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CL

CL

Prices and specifications subject to change without notice.

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

COVERED PORCH

UP

The Lavender, 3085 sq. ft. on a 40 ft. lot 4 Bedrooms plus Loft

All square footages are approximate.

Actual usable space varies from stated floor area.

GREATGULF.COM

//community focus

Mattamy has a new release of homes coming soon to popular

Mount Pleasant North Location Brampton Housing Type Two-storey towns, rear lane towns, three-storey townhomes and 30- and 38-ft. detached homes Sales centre: 6 Worthington Ave., open Monday to Thursday, 1 to 8 p.m., Friday 1 to 6 p.m., Saturday, Sunday and holidays 11 a.m. to 6 p.m.

Contact 905.846.3172 mattamyhomes.com

96 New home guide GTA | jan 25 - feb 8, 2014

N

ow that we have survived a historically cold month, we have rediscovered the importance of being home where, on the coldest of days, we can enjoy the warmth of each other’s company. Because home is a perfect place to be every day of the year. No matter the weather, there really is no place like home.

And coming soon, Mattamy will bring more new, “no place like home” opportunities to its very popular community of Mount Pleasant North with a new release of new designs of two-storey towns, rear lane towns and three-storey townhomes as well as the very popular 30- and 38-ft. detached homes.

This soon-to-be-released collection will allow even more families to connect with the bountiful features available in this highly regarded community. All of these exceptional new designs will fit well into the overall look and feel of this neighbourhood. Mount Pleasant North and Mount Pleasant Village connect you to a wonderful Village Square with local shops, a recreation centre, a library and GO Transit connections. The idea is that within five minutes of your front door, you’ll find everything you need. These neighbourhoods offer fresh thinking on how modern communities are organized. Quite simply, you won’t find a more forward-thinking approach to neighbourhood planning and community features that offer great benefits to all who live there.

MATTAMY HOMES | Mount Pleasant North

One of the most striking features of Mount Pleasant North is how easily and well that nature is integrated right into the neighbourhoods so residents have places to just sit and enjoy the scenery and feel the peace and calm that helps enrich the soul.

Top left: Relax by the fire Top right: Enjoy a family skate in your neighbourhood Bottom: Entertain in your chef’s kitchen

One of the most striking features of Mount Pleasant North is how easily and well that nature is integrated right into the neighbourhoods so residents have places to just sit and enjoy the scenery and feel the peace and calm that helps enrich the soul.

There are wonderful park spaces and natural elements. A massive greenbelt runs through the community, forming a natural corridor connecting all neighbourhoods. More than 124,000 trees and shrubs add to the naturalization and provide sanctuary for songbirds and wildlife. There are about 30 kms of trails winding around the community.

A lot of attention has been paid to environmental practices. As Mount Pleas-ant North grows, it will do so with a well-defined notion of how to ensure that residents will always have ample greenspace and natural elements to make

this a beautiful, enjoyable place to live.

Brampton itself is a perfect example of how to grow dynamically and vibrantly as a city with distinctive neighbourhood pockets. It offers a strong industrial base, a well-rounded and admired education system, wonderful recreational and environmental features and abundant shopping, cultural facilities, nightlife and fine dining. You will always find something to do and enjoy throughout the year. Brampton is the third largest city in the GTA and offers its residents everything that makes life enjoyable. It truly is a place where families come first.

If you are looking for a new home, you’ll soon discover plenty of exterior styles worth seeing, lots of interior floor plan options worth viewing and plenty of community features worth experiencing in Brampton’s Mount Pleasant North. To pre-register for information on our new release in Mount Pleasant North, visit: mattamyhomes.com.

The Mattamy Sales Centre is located at 6 Worthington Ave., open Monday to Thursday 1 to 8 p.m., Friday 1 to 6 p.m., Saturday, Sunday and holidays 11 a.m. to 6 p.m.

For more information, call 905.846.3172 or visit mattamyhomes.com

jan 25 - feb 8, 2014 | New home guide GTA 97

Prime

Mississauga Location Final Release

Fully Upgraded Semis

View our 5 Decorated Model Homes Today!

The Celebration Model

Semi's starting from the low

500's 2,010

$

sq.ft.

THOUSANDS IN EXTRAS INCLUDED * 9' Ceilings on Main Level Premium Lots

Spacious 4 Bedroom Designs

Stained Oak Stairs

Central Air Conditioning

Hardwood Package in Living Room, Dining Room & Family Room On East side of McLaughlin Rd., just N. of Derry Road

foresthillhomes.ca 905-795-8307

Hours: Mon. - Thurs. 1pm - 8pm, Fridays by appt, Sat., Sun. & Hol. 11am - 6pm

Pot Light Package Double Sinks in Main & Ensuite Bath Upgraded Kitchen Cabinetry Upgraced Porcelain Tiles LIMITED TIME OFFER WHERE APPLICABLE AS PER PLAN

*As per applicable Bonus and floorplan. applies to firm purchases only between October 20th - November 20th, 2013. May not be included in finished/inventory homes. See sales representative for details.

All renderings and photographs are artist’s concept. To be valid Bonus must be included in an accepted Agreement of Purchase and Sale. Prices, plans, specifications and bonuses are subject to change without notice. E. & O.E.

99

//mortgage intelligence

Supersize your

Mortgage payments According to a recent RBC Home Ownership survey, 65 per cent of Canadian homeowners are worried about mortgage rate increases, and 56 per cent admit that their mortgage is higher than they expected.

“Flexible payment options can help take some of the guesswork out of interest rates increases,” says Marcia Moffat, RBC head of home equity financing. “Speaking with a mortgage specialist and making a few simple changes can help you save thousands on interest costs as well as take years off your mortgage.”

Here are a couple of tips to help you pay off your mortgage even faster. » Make annual mortgage payments on the principle. Many mortgages allow you to make a lump sum payment once every 12 months or at renewal time, which is applied directly to the principal. If you come into a large sum of money through an inheritance or bonus, consider making a prepayment, which can shave years off your mortgage. » I f you double up your payments once per year for 25 years, on a $250,000, 25-year mortgage at five per cent interest, you can save more than $30,000 and shave 3.5 years off your amortization term. » Switch to a bi-weekly mortgage payment schedule. Changing to an accelerated bi-weekly payment can be an easy adjustment that will help you save on mortgage interest. The bi-weekly accelerated payment works to help you pay down your mortgage faster as you actually end up making 26 bi-weekly payments a year versus 12 monthly payments. This adds up to one extra monthly payment every year.

For more information, visit rbcroyalbank.com 100 New home guide GTA | jan 25 - feb 8, 2014

Unlock the power of mortgage pre-approval So, you’ve decided to take the plunge into home ownership and start searching for your first home? Make sure you have your financing in order before you start your search.

“Having a mortgage pre-approval is a critical component of buying a home, particularly for younger homebuyers,” says Marcia Moffat, RBC head of home equity financing. “It presents you as a serious purchaser to both realtors and sellers.”

Pre-approvals have no obligation and help lock in your interest rate. It also clarifies your budget and sets your expectations accordingly so you’re not wasting your time viewing houses that are beyond your budget.

With a pre-approved mortgage you will know what you can afford right away.

On top of the pre-approval amount, consider your lifestyle preferences and how future cost increases may impact your payment comfort zone.

The grass is greener in Chippawa

The Welland - Rosehaven Homes

Whether it’s the wineries, the night life, hiking, biking and water’s edge, or the wonderful shopping and fine dining, your luxury new home at Lyon’s Creek in historic Chippawa is near everything you love about the Niagara lifestyle.

50’ & 45’ Detached, Semis & Townes starting from the mid $200’s.

9’ main floor ceilings • gourmet kitchens luxurious ensuites • gas fireplaces 1,100 to over 3,200 sq.ft AND LOTS MORE (lawns included)

The Berkshire - Homes by DeSantis

8 MODELS TO TOUR!

Live closer to the action. Lyon’s Creek

HOURS OF OPERATION: Mon - Wed: 2pm - 7pm; Sat, Sun & Hol. 12pm - 5pm Elevation and landscape is artists concept and may not be depicted as shown.

Prices, square footage and specifications correct at press time.

Prices quoted are in $ thousands. E. & O.E.

CHIPPAWA - NIAGARA FALLS McLeod Rd.

s Lyonk Rd. Cree Mann St.

To Falls

Marineland Pkwy

LyonsCreekChippawa.com

NIAGARA RIVER

St. Main P o

Sodom Rd.

• • • •

rta

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Rd

.

MODELS & PRESENTATION CENTRES

Fort Erie

ontario’s

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Guide

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communities

communities Getting inspired

to live, eat & travel like you’ve always wanted

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newhomeguide.ca For your free copy please call 416.626.4889 102 NEW HOME GUIDE GTA | JAN 25 - FEB 8, 2014

Jan 25 - Feb 08, 2014

Showcasing new homes in the GTA’s west region

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

31

Wentworth St

Bloor St.

Phillip Murr

Bloor St

Gibb St

Wentworth St

King St W Bond St W

52 91 14

401

Adelaide Ave

Manning Rd

38

47 Bayly St E

44 48 401

42 45

Westney Rd S

401

Granite Court

6

Spruce Hill

K

J

I

H

G

F

E

D

C

B

A

D

ou

ug

em

gst

on

46 Rd

Whites Rd

Ro

Glenanna Rd

Appleview Rd

Kin

Altona Rd

Liverpool Rd

50

Fairport Rd

Stroud's

Dixie Rd

Brock Rd Sandy Beach

Highview Rd

Brock Rd R aks rO o j Ma Valley Farm

Montgomery F

Squires Beach Rd

Dr Notion Rd

nt

Kingston Rd

30

Magill 92Dr

28

Church St S

a

ew

riv

Lak

Sheppard Ave

Rossland Rd

9

Delaney Dr

41 Rossland Rd

Pickering Beach Rd

eD

Riverside

3 Concession

Shoal Point Rd

Finley Ave

51

Altona Rd

Ajax-Whitby

Harwood Ave

Finch Ave

32 Sideline

Bv

To wn of Ajax

43 90

32 Sideline

McQuay

Rosebank Rd

4 Concession

North Rd

Gordon St

Cochrane St

Liverpool Rd

Whites Rd

North Rd

Brock St S Henry St

54 66

4 Concession

5 Concession

7

Brock Rd

1

30 Sideline

City of Pickering

7 Conncession

9 Concession

2

28 Sideline

King S

Adelaide Ave

29

17

Rossland Rd

7

7

16

Taunton Rd W

23

4

Taunton Rd E

Ravenscroft

16 Sideline

Whitevale Rd

5 4 3

24 Sideline

Blair St

15

55

Westney Rd N

Church St N

20 Sideline

Olive Ave

Beatrice St

50

8

13 37

Salem Rd

Greenwood Rd

Brock Rd

Hopkins St

Dundas St E

To wn of W hitb y Salem Rd

16 Sideline

Thornton Rd

Kendalwood R

Audley Rd

Paddock Rd

16 Sideline Brock Rd Cen tral St

Stevenson Rd

Townline Rd

Audley Rd

7

7 Concession

9 Concession

8 Concession

12 Sideline

Brock St N

Lakeridge Rd

Fifth Conces

7

Baldwin St S

4 Sideline R

6 Sideline

Park Rd S

Park Rd S

Garden St Blair St

Garden St

Coronation R

6 Concession

4 Sideline

4 Sideline R

Dryden Bv

Conlin Rd

Halls Rd N

Anderson St

Ritson Rd S tS eS co Sim

Centre St.

Garrard Rd

Country Lane

8

Columbus Rd

Brawley Rd

Country Lane

Rossland/Winchester R

Myrtle Rd W

Cochrane

10

26

60 3

21

18

22

68

46

2

53

Village of Bro oklin

11 10

68

Cedarbrook T

Ashburn Rd

9

Thickson Rd

Baldwin St N

Duffs Rd

6

Taunton Rd W

Church St E

Thornton Rd

Wilson Rd S

Pickering, Ajax, Whitby, Oshawa

tN

Garrard Rd

Garrard Rd

Lake Ridge R

east region:

Mary St N

eS

co

Sim

Harmony Rd S

Central Park

Stevenson Rd

12

104

40

34

Conlin Rd

City of Oshawa

8 Concession

13 12

Stevenson Rd

Ritson Rd N

tE

Attention Builders Want to add your community to our maps?

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

* Due to scale restrictions locators are approximate.

Please see builder’s ads for exact locations.

19 18 17 15 14

Wilson Rd N

wS

devie

Gran

ly

Harmony Rd N

Grandeview S

Bay

16

Townline Rd. Grandeview S

90 LeBovic Homes

Old Taunton in Pickering

905-428-3434

•

2

Brookfield Homes

Hills of Harrowsmith

905-697-1681

•

from $300,000 15G

3

Great Gulf Homes

Stonecrest

greatgulf.com

•

•

from $298,000 15F

4

Menkes

Somerset

905-428-0500

•

from $520,000 7G

6

Emery Homes

Town Central

1-877-953-6379

•

from $350,000 4J

7

Highmark Homes

Triumph

whitbytriumph.ca •

from $350,000 10G

8

Lakeview Homes

The Forest of Lyndebrook

416-746-1234

•

from $490,000 10F

9

Stafford Homes

Elements Townhomes

elementsajax.com

from $390,000 7H

13 Liza Communities

Folkstone

1-877-365-9555

•

•

from $335,000 10G

21 Great Gulf Homes

Grandview Oshawa

1-888-579-7235

•

from $334,000 14F

31 Preston Homes

Prestonvale Heights

905-432-2800

•

•

from $350,000 15J

34 Tribute Communities

The Neighbourhoods of Park Ridge 905-723-2344

•

from $339,000 15G

45 Sundial Homes Limited

Mulberry Meadows

905-427-8255

•

from $273,000 6J

47 Senator Homes

Whitby by the Lake

senatorhomes.com •

•

from $250,000 9J

54 Baycliffe Homes

The Gates of Whitby

905-668-9828

•

•

from $250,000 9G

60 greycrest homes

the fields of conlin

905-725-4539

•

from $310,000 15G

66 Monarch Corporation

Tran Quility

monarchgroup.net •

from $550,000 7G

67 Midhaven Homes

Breeze

1-877-773-6888

•

•

from $300,000 15F

68 Storybook Homes

Brookstone Estates

905-438-9516

•

from $1050,000 11B

91 Sundance Homes

The towns of nichol green phase 1

905-441-3312

•

from $260,000 11J

92 Glen Rouge Homes

The Cornerstone

905-239-9777

•

from $577,000

• •

Page No.

109 5H

6I

Pickering, Ajax, Whitby, Oshawa

Price Range

east region:

Tel

M Fi a nd p er

Site

et a Se ch m ed To i w Co nho nd m o e

Builder

D

# Si te

105

Mill St

Parkhill Rd.

7B

7

28

115

7

24 16

t.

rS

te Wa

Peterborough

9 31 Lansdowne Ave.

7A

7

35

28

7

134

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

ach

Re

4

Durham 23

St

7

7

Bloor St.

Hwy 2

Oke

Rd

33

Nash Rd

Angelina St North

9

Lindsay St. North

Major St.

Lorne St.

Lindsay

8

Courtice

King St.

Po rt Per ry

Hwy #7

Kent St

Colborne St

35

7

Harmony Rd

Hw Mya2rsh

20

32

401 14

Bloor St.

LAKE

ONTARIO

.

St. Ridout W al to

n

St .

To Belleville Jocalyn St

401

.

Lake Ontario

Po rt Hope

Rd.

t. H wy 2

gS

Kin

Concession St

Baseline Rd. E

37

Concession Rd 3

13

Bowmanville/ Newcastle

21

12

Hwy

39

8

401

14

16

7

7 12 7A

Lake Scugog

18

Dr

18

ill Mc G

17

Lake Scugog

15

LAKE ON TA

Port Hope

1

MacDonald Cartier Freeway

106

RIO

35

29

5

115

19

Cobourg

Hwy 2 3

Hwy 401

Reg. Rd. 74

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

17

To Toronto

Hwy

Nash Rd

y2

St. Hw

Baseline Rd. W

26

King

48

45

11

Mearns

10

Rd

K

J

I

H

G

F

E

19

7 y4 30 Hw Goodwood Rd

Centre

Rd.

ng

D

Quaker Village Dr

Uxbridge

15

Brock Rd To

mo

Che Monaghan Rd.

C

Brock St

St

to

ro n

Reg Rd 8

Elgin Park

Durham Reg

Main St

B

Hwy 134

Liberty St. N Liberty St. S

6

West Townline Rd. N.

5

le Rd

4

Varcoe Rd Darlington Blvd

n io Un

3

.

St. Joseph's Rd onva

Waverly Rd

Lambs Rd Hains St

2

t.

1

Hwy 28

Av e Trulls Rd

Regional Rd 57

A

Reg. Rd 34 Courtice Rd

McLaughlin Rd ille Rd Janetv

Uxbridge, Lindsay, Bowmanville/Newcastle, Courtice, Peterborough, Port Hope, Cobourg, Port Perry

Reg. Rd. 18

east region:

y2

Prest

to

Hancock Rd

Mill St.

oS tari

Hwy #12 (From Whitby)

ron To

On

Simcoe St. (From Oshawa)

w

y.

4 H

106 Hw

5

Price Range

Page No.

1

Mason Homes

Port Hope Lakeside Village

905-885-6565

•

from $229,000 12K

7

Brookfield Homes

Foxtrail

brookfieldhomes.ca •

from $400,000 5B

8

Kaitlin Group Ltd.

Port of Newcastle

1-800-305-6849

•

8

Kylemore Communities

Port of Newcastle

905-987-5146

•

from $479,000 14E

8

Storybook Homes

Bond Head Estates

905-438-9516

•

from $850,000 14E

9

Parkview Homes

Harmony

705-748-4663

14 Rice Developments

Willmot Creek On The Lake

905-697-5806

•

from $225,000 11D

16 Parkview Homes

Foxmeadow Estates

705-748-2828

•

from $208,000 3H

18 B.G. Schickedanz

Lake Scugog Estates

1-888-894-9888

•

from $330,000 17B

20 Geranium Homes

Verandas

905-885-0555

•

from $266,000 10I

24 Parkview Homes

Thompson Bay Estates

705-748-2828

•

from $217,000 3H

26 Kaitlin Group Ltd.

Aspen Heights

905-697-0513

• from $165,000 10C

26 Kaitlin Group Ltd.

Condominiums at Clarington Centre 905-697-4513

• from $210,000 10c

26 Kaitlin Group Ltd.

Country Classics

1-866-514-3573

•

•

from $300,000 10c

30 Empire Communities

Estates of Wyndance

905-649-8197

•

from $900,000 3e

31 Parkview Homes

Foxmeadows Estates

705-741-1004

34 Carrington Homes

Woodlands of Upper Courtice

905-787-0963

•

from $260,000

35 Mason Homes

Parklands

1-866-443-7900

•

from $238,000 3H

39 H&R Developments

Gracefields

hr-newhomes.com •

from $322,000 14B

39 Thornridge Homes

Gracefields

thornridgehomes.com •

from $290,000 14B

45 Highcastle Homes

Northglen

northglen.ca

•

45 Delpark Homes

Northglen

905-419-7222

•

45 Esquire Homes

Northglen

48 Brookfield Homes

• from $178,000

• • from $286,000

2I

3I 9I

•

from $221,000 11B

• •

from $221,000 11B

northglen.ca

from $245,000 11B

BrookHill

905-697-1681

•

• •

from $300,000 10B

48 Jeffery Homes

BrookHill

905-697-0765

•

• •

from $300,000 10B

72 Vandyk Communities

West Park Village

vandykcommunities.com •

• •

from $210,000

3I

Uxbridge, Lindsay, Bowmanville/Newcastle, Courtice, Peterborough, Port Hope, Cobourg, Port Perry

• • from $260,000 14E

east region:

Tel.

Fi M ap nd er

Builder Site

De ta Se ch m ed To i w n Co hom nd e o

# Si te

107

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JAN 25 - FEB 8, 2014 | NEW HOME GUIDE GTA 109

//hot dates

jan 25-26

jan 25-26

LunarFest

Interior Design Show 2014

harbourfront centre

Jan 25 to Feb 8 Calendar of events beginning from Jan. 25 to Feb. 8, 2014

110 New home guide GTA | jan 25 - feb 8, 2014

CIBC’s Lunar Fest rings in the Lunar New Year with a three-day festival showcasing Asian arts and culture. The event features dishes inspired by the Lunar New Year traditions, a lantern jungle, Lion Dancers of the World, skating under the moon light, a lunar kids game station, arts and crafts tying into the Lunar New Year, and more. lunarfest.org jan 25-26

National Bridal Show

direct energy centre

Couples planning a wedding in 2014 can find a selection of resources to plan for the occasion at this bridal show.

Check out the latest in fashion, favours, wedding registries, accessories, flowers, cakes, DJ’s and all the other essentials that make up a wedding. Some of the major highlights include a Bridal Gown Sale, a chance to win a $5,000 Home Décor Prize Package courtesy of Hudson’s Bay, and an opportunity to meet wedding planner expert and host of Wedding SOS Jane Dayus-Hinch. spring.nationalbridalshow.com

Metro toronto convention centre

Since 1999, the Interior Design Show has been a design industry hub of new ideas and business opportunities. With exhibitors such as IKEA Canada and Magic Pony, the exhibition is home to innovative new products, cutting-edge designers and new style concepts from North America and more. The design show begins with an Opening Night party, followed by a Professional Trade day and two days of general admission. interiordesignshow.com jan 29 - Feb 9

Jack and the Beanstalk

solar stage theatre Solar Stage’s Zenon Skrzypczyk mounts a musical version of the story of Jack and the Beanstalk. Jack is a young man seemingly conned into trading his cow for magic beans.

When the beans actually grow into a massive beanstalk, Jack embarks on a quest into the sky. This production features music by Martyn Skrzypczyk. solarstage.on.ca

homebuyers’ help//

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

» Calculate your mortgage payments using the mortgage payment calculation chart

jan 25 - feb 8, 2014 | New home guide GTA 111

Calculate your mortgage payments interest rate

amortization period

chart figure

example: 5%

25 years

5.82

mortgage amount ÷ 1,000 (mortgage amount $125,000)

125

monthly payment

$

Follow these steps to see if you’ll qualify for a mortgage on your dream home

01 02 03

Calculate the combined monthly before-tax income of you and your spouse.

Divide by three. This figure is the monthly payment you can afford to make on your home.

Take the total price of the home and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.

04

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay.

Line this up with the amortization period of your choice. (Most firsttime buyers take the 25-year amortization.)

05

06 07

Add to this your estimated monthly heating costs and monthly property taxes.

If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home.

Multiply this figure by the amount you need to borrow.

Divide by 1,000. » Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice andget pre-qualified.

112 New home guide GTA | jan 25 - feb 8, 2014

Mortgage payment calculation chart %

Interest Rates

10 years

Amortization Periods

15 years

20 years

25 years 4.73

4.21

4.99

4.48

3.00%

9.65

6.90

5.54

3.50%

9.88

7.14

5.79

3.25% 3.75%

9.76

9.99

4.00%

10.11

4.50%

10.34

4.25% 4.75%

5.00% 5.25%

5.50% 5.75%

6.00%

6.50%

6.25% 6.75%

7.00%

7.25%

7.50%

7.75%

10.23 10.46 10.58

9.00%

7.75

7.88

11.00%

11.25%

11.31 11.43

8.53

8.66

8.80

11.56

8.93

11.81

9.21

11.68

5.82

6.85

6.10

9.07

7.12 7.41

7.55

7.69

7.84

12.58 12.84 13.10

13.24 13.37 13.50

13.64

13.77

12.00%

14.18

14.04

12.25%

14.32

12.75%

14.59

14.46

7.16

8.74

8.12

10.33

9.20

8.62

9.52

8.95

11.06

11.22

11.36

11.52

11.66

11.82

9.05

9.36 9.68

5.64 5.79 5.95

6.11

6.26 6.42

6.59

6.75

7.93

8.45

9.12

9.63

10.65

7.59

7.76

8.78

10.16

10.32

7.42

8.10

9.29

10.49

7.08

8.45

9.84

10.00

9.46

9.80 9.97

10.15

8.28 8.63

8.80 8.98 9.16

9.34

9.52

9.70

9.88

10.81

10.32

10.06

11.15

10.67

10.43

11.97

10.98

12.28

11.31

12.13

5.49

7.95

7.79

8.28

10.92

5.34

8.59

8.86

10.77

5.19

7.25

7.47

10.05

10.63

5.04

7.63

8.44

9.90

7.00

4.90

8.28

9.62

12.45

6.70

6.85

4.76

6.91

12.19

9.76

6.40

4.61

7.32

8.14

9.48

5.96

4.34

7.99

9.34

13.91

12.50%

6.57

11.94

11.50%

11.75%

5.67

6.55

8.40

10.48

10.75%

6.44

5.40

7.26

11.19

8.14

12.97

10.25%

6.17

6.25

5.53

9.75%

9.50%

10.50%

6.30

10.19

7.63

7.50

12.71

10.00%

5.26

9.25%

6.04

6.98

12.32

7.38

8.27

11.07

8.50%

5.13

10.94

10.82

8.75%

5.91

6.74

12.06

4.86

8.01

8.00% 8.25%

7.26

5.66

10.70

7.02

30 Years

10.49

10.85

10.25 10.61

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 jan 25 - feb 8, 2014 | New home guide GTA 113

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

ATB Financial 2.7 2.94 2.89 3.19 3.59

6.30op 6.30op 6.50op Alterna Svgs/Alterna Bk 3 4 3.09 3.14 3.19 3.35

6.30op 6.30op Bank of Montreal 3.1 4 3.24 3.24 4.05 4.84

6.30op 6.30op Bank of Nova Scotia 2.7 4.55 3.75 3.89 2.89 4.39

6.45op 6.50op Canadian Western Bank 4 3.14 3.14 3.95 4.74

6.45op 6.30op CFF Bank 3.69 3.75 3.79 3.79 CIBC 3 3.09 3.14 2.99 3.59

6.70op 6.35op HSBC Bank Canada 3 4.45 2.7 3.95 3.13 4.99

6.20op 6.35op ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 ING Direct 3 3.19 3.24 3.59 3.69 Manulife Bank 2.8 4.45 3 3.2 3.25 3.4

4.00op National Bank n/a 4.4 3.14 3.14 3.95 4.74

6.70op 6.70op President’s Choice Finan 3 3.24 3.59 3.69 Royal Bank 3 4 3.14 3.14 3.85 3.49

6.30op 6.30op TD Canada Trust 3 3.09 3.14 3.95 4.74

6.30op

5 years 3.79 3.59 3.89 3.59 5.34 3.69 3.79 3.69 3.89 4.09 3.69 5.34 4.09 3.79 3.79

TRUST COMPANIES Community Trust n/a Effort Trust n/a

Home Trust Company 2.6 Investors Group Trust n/a

MTCC 2.7

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.25 3.95 4.74 3.25 3.6 3.95 4.7 6.30op 2.89 2.89 3.09 3.39 3.14 3.14 3.95 4.74 6.30op 3.75 3.89 2.89 4.39 6.50op

5.34 4.95

Airline Financial C.U. 4

Comtech Credit Union 2.95 6.2

6.40op First National Fin. LP 3.95 FirstOntario C.U. 2.7

6.34op London Life n/a 4.2

6.50op Luminus Financial 2.95

MCAP 2.7

Meridian Credit Union 2.75 4

Parama Credit Union 2.85 Steinbach Credit Union 2.5

3.01 3.1 3.33 3.65 6.25op 2.99 3.25 3.29 3.24 6.30op 2.99 2.79 3.09 3.39 3.09 3.14 3.34 3.39 6.34op 3.14 3.14 3.95 4.74 6.30op 3.05 3.1 3.55 3.65 3.95 3.6 3.95 4.35 4.89 7.00op 3.09 3.14 3.65 3.49 6.30op 2.95 3.05 3.25 3.4 2.5 2.7 2.9 3.05

3.99

3.49 5.34 3.59

OTHER FINANCIAL INSTITUTIONS

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 January 13, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

114 New home guide GTA | jan 25 - feb 8, 2014

3.59 3.59 3.59 5.34 4.05 5.14 3.59 3.6 3.25

Arista/Fieldgate/Paradise/Starlane

Unionville – Upper Unionville

Now open – urban/lane/luxury townhomes, semis and 34-, 38- and 42-ft. singles. livingatupperunionville.com

Rosehaven Homes

Oakville – The Randall Residences

Now open – ultra-luxurious condominium residences in downtown Oakville. therandallresidences.com

Fieldgate Homes

Brampton – Valleylands on Chinguacousy

GTA

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

Please say you saw it in New Home Guide!

Grand opening – freehold towns, 28-ft. linked singles, 38- and 45-ft. detached singles. fieldgatehomes.com Menkes

Tribute Communities

Nobleton – Gates of Nobleton

Grand opening now on – luxurious detached homes on 50-, 60- and 70-ft. lots. mytribute.ca VANDYK Communities

Cobourg – West Park Village

Master-planned community featuring bungalow townhomes, attached singles and single-detached homes. Models now open. vandykwestpark.com

VANDYK Communities

Shelburne – The Neighbourhoods of Summerhill

Now under construction, a collection of 20and 25-ft.-wide townhomes, 36- and 41-ft. singles and 70-ft. walkout estate lots. vandyksummerhill.com Tribute Communities

Oshawa – U.C.

Grand opening of this new master-planned community in north Oshawa. mytribute.ca

Augustine Group

Lake Simcoe – Crates Landing

Now open – the beauty of Lake Simcoe at an affordable price. crateslandingcondos.com Averton Homes

Mount Albert – Victoria Highlands

Now open – community of bungalows and two-storey homes. victoriahighlands.com Arista Homes

North York – Goddard on the Valley

Grand opening now on for these semis and select number of detached homes. aristahomes.com Brookfield Homes/ Orchard Ridge Homes

Alliston – Treetops

Model homes now open for this masterplanned community right next door to the Nottawasaga Resort. treetopslife.ca

Empire Communities

Brampton – Lakeside

North York – Bloom Park Towns

New 38-ft. designs in a community of townhomes, semis and detached homes. empirelakeside.com

Mattamy Homes

Ajax – TranQuility

Now open – this selection of three-storey townhomes and detached homes on 30-, 38and 45-ft. lots. mattamyhomes.com

Rosehaven Homes & Townwood Homes

Now open – townhomes at Bathurst St. and Finch Ave. menkes.com

Brampton – Mount Pleasant North

Fieldgate Homes

Richmond Hill – The Humberlands

Grand opening – 30-, 36- and 50-ft. singles close to parks, schools, shopping and more. fieldgatehomes.com Ballymore Homes/Briarwood Homes

Tottenham – Mill Street Village

new openings

new RELEASES

Grand opening – towns, semis and detached homes on 33- and 40-ft. lots. millstreethomes.com Aspen Ridge Homes & Great Gulf Homes

King City – King Oaks

Monarch

New release of detached single-family homes on private ravine and pie-shaped lots. monarchgroup.net

Brampton – Mount Pleasant

New release of freehold towns, attached singles and detached homes on 30-, 38-, 41- and 45-ft. lots. lovemountpleasant.com Mattamy Homes

Oakville – The Preserve

A new release of Village Homes and 34-, 38- and 45-ft. detached homes, many on a private crescent. mattamyhomes.com Forest Hill Homes & Madison Homes

Markham – Cornell Rouge

Now open – designer-furnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine. aspenridgehomes.com & greatgulfhomes.com

New release – freehold towns and singles on 30-, 36- and 40-ft. lots with attached garages. Eight models now open. cornellrouge.com

Aspen Ridge Homes

Brampton – Spring Valley Village

Richmond Hill – Kettle Lakes Club

Now open in Richmond Hill – a collection of executive townhomes on a protected ravine. aspenridgehomes.com National Homes

Forest Hill – The Churchill Collection

Now open at Spadina and St. Clair, refined townhome residences. churchillcollection.ca Brookfield Homes

Mono – Fieldstone

Now open – single-family homes on 60- and 70-ft. homesites. myfieldstone.ca Menkes

Georgetown – The Enclaves of Upper Canada

Now previewing – semi-links and detached homes in Georgetown. menkes.com Monarch Corporation

Toronto – Birkdale

Now available – townhomes at Ellesmere Road and Midland Avenue. monarchgroup.net Monarch Corporation

Kleinburg – Kleinburg Crown Estates

Now open – 42- and 50-ft. singles to Major Mackenzie Rd. and Hwy. 27. monarchgroup.net

Ballantry Homes

New release of semi-detached and detached homes surrounded by valley lands. ballantryhomes.com Tribute Communities

Oshawa – Park Ridge

New 40-, 50- and never before seen 36-ft. designs on extra deep lots. mytribute.ca

Aspen Ridge Homes

Markham – Upper Cornell

New release now available – semis and detached homes on 30-ft. lots. aspenridgehomes.com Heathwood Homes

Milton – The Village At Traditions

Special new release pricing in this final phase, including only eight singles. heathwood.com Great Gulf Homes

Bradford – Summerlyn Village

Limited edition detached homes on premium conservation lots. greatgulf.com Reids Heritage Homes

Meaford – Gates of Kent

New block of bungalow townhomes – elegant and carefree condominium living, close to all amenities. Starting from $244,900 reidsheritagehomes.com

Rosehaven Homes

Kleinburg – Kleinburg Heritage Estates

Now open – homes of distinction on unique 60-to 70-ft. lots. kleinburgheritageestates.com

jan 25 - feb 8, 2014 | New home guide GTA 115

ONTARIO’S MOST-READ NEW HOMES GROUP WE ARE THE LARGEST MAGAZINE DISTRIBUTION SYSTEM IN ONTARIO. [ 3-WEEK ISSUE ]

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Jan 25 - Feb 08, 2014 Volume 22 Issue 2

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MODEL HOME CALENDAR

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

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

2014

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THE REMINGTON GROUP

EMPIRE COMMUNITIES

The Signature Condominium

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

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BEAVERHALL HOMES

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Please recycle our magazines! Wall2Wall Media participates in the Partner’s In Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over two 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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Regency Estates

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年青人仕置業攻略 • 大多市迎接馬年慶祝活動 • 馬年運程

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Brought to you by

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Menkes

GTA

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

Please say you saw it in New Home Guide!

preview registration Lindvest

North York – The Brownstones at Westown

A new collection of stacked two-bedroom condominium townhomes at Weston Rd. and Sheppard Ave. W. lindvest.com

Etobicoke – Humber Mews

Coming soon – townhomes at Browns Line and Evans Ave. menkes.com Madison Homes

Richmond Hill – Jefferson Forest

Grand opening coming soon! Register now for a collection of detached homes and freehold towns. madisonhomes.ca Great Gulf

Brampton – Mount Pleasant

Preview opening at Bovaird and Creditview – full depth lots with unique standard features. greatgulf.com CountryWide Homes

Newmarket – Woodland Hills

Coming soon – towns and singles, some with court, ravine and pie-shaped lots. countrywidehomes.ca Brookfield Homes

Tottenham – Willow Glen

Register now for these towns and singles from the $200’s. brookfieldhomes.ca Bremont Homes

Brampton – Crown of Creditview and Nobleton

Menkes

An elite collection of estate homes in two private enclaves, from the $700’s. bremonthomes.com

Register now for these distinctive collections of urban townhomes in the heart of Etobicoke. menkes.com

Coming soon – register now freehold townhomes at Bayview and Hwy. 7. treasurehill.com

Arista/Fieldgate/Paradise

Treasure Hill Homes

Pre-construction savings for these freehold townhomes and semis, and 30-, 38- and 44-ft. detached homes. impressionskleinburg.com

Last chance to live in this established Markham community of singles, semis and townhomes. treasurehill.com

Etobicoke – Dwell City Towns

Kleinburg – Impressions

Greenpark/Starlane

Treasure Hill Homes

Richmond Hill – Urbantowns at Bayview

Markham – Accolades

Heathwood Homes

Richmond Hill – Hampshire Mews

Now previewing in Richmond Hill – an enclave of urban towns on Yonge St. heathwood.com Ballantry Homes

Oakville – OakPark

Register now for this collection of urban townhomes and midrise condominiums, coming soon to Oakville. ballantryhomes.com National Homes

Bradford – The Forest

Coming soon – 36- and 40-ft. detached homes up to 3,400 sq. ft., with model homes decorated by Pottery Barn. nationalhomes.com Delpark Homes

Sutton – Cedar Ridge

Coming soon – register now for towns and singles from the upper $200’s. delparkhomes.ca Brookfield Homes

Uxbridge – Foxtrail

Register now for bungalow townhomes from the high $300’s. brookfieldhomes.ca Lakeview Homes

Whitby – Forest of Lyndebrook

Register now for Whitby’s best 40-ft. lot value – detached homes with double-car garages from the $400’s. lakeviewhomesinc.com Beaverhall Homes

Milton – Forestwood in Milton

Now previewing in Milton – semi-towns and singles in a sought-after location. beaverhall.com Marydel Homes

Beaverton – Seven Meadows

Opening March 2014 – small-town living in this collection of detached bungalows and two-storey homes. marydelhomes.com

Decade Homes

Amacon

Register now for these towns and semis in one of Mississauga’s newest communities. churchillwoods.ca

Register now affordable townhome living near Yorkdale Shopping Centre. yorkdalevillage.com

CountryWide Homes

CountryWide/Greenpark/ Royalcliff/Starlane/Townwood

Register now for these townhomes starting from the mid $500’s. thetowns.ca

Mississauga – Churchill Woods

Bradford – DreamFields

Register now for priority opportunity of singles and towns coming soon. countrywidehomes.ca Ballantry Homes

Oakville – Oak Park

Register now for this collection of urban townhomes and midrise condominiums. ballantryhomes.com Mattamy Homes

Milton – Hawthorne Village On The Escarpment

Coming soon, exclusive new townhome designs on the Escarpment. mattamyhomes.com

Toronto – Yorkdale Village

Brampton – Gates Of Countryside

Register now for all new phase of semis and 38- and 47-ft. singles in an established, family-first neighbourhood. gatesofcountryside.ca Monarch Corporation

Ajax

Coming soon to Ajax – 40-ft. designs.

Discover a lifestyle infused with nature.

Register now! monarchgroup.net

Mississauga – The Towns at Parkside Village

Ballymore Homes/Briarwood Homes

Sutton – Jubilee

Coming soon to Sutton – singles on 36-, 40and 50-ft. lots from the $300’s. myjubilee.ca Starlane Homes & Valery Homes

Brampton – Mount Pleasant Meadows

Coming spring 2014 – semis and singles at Creditview Road and Wanless Drive. meadowsbrampton.com

Fieldgate Homes

Markham – Victoria Manor

Coming soon – register now for luxury singles on 40-ft. lots in a prestigious neighbourhood at Woodbine and Major Mackenzie. fieldgatehomes.com jan 25 - feb 8, 2014 | New home guide GTA 117

advertiserindex Acorn Homes - Oak Knoll

73

Country Wide Homes - Corporate

39

Arista Homes - Goddard on the valley

37

Country Wide Homes - Credit Manor Heights

55

Arista Homes - IMPRESSIONS

51

Digital Device - Promo

34

Arista Homes - Jefferson Forest

47

Dunpar Homes - The Ossington

79

Arista Homes - The New U

29

Family of Magazines - Promo

116

Arista Homes - Vaughan Valley Estates

31

Fieldgate Homes - 90 Niagara

Insert

Arista Homes - Vellore Woods

49

Fieldgate Homes - BlueSky Stouffville

Aspen Ridge Homes - Corporate Aspen Ridge Homes - Credit Manor Heights

Insert & 25

1

Fieldgate Homes - IMPRESSIONS

Insert, 25 & 51

IFC & 55

Fieldgate Homes - Jefferson Forest

25 & 47 19 & 25

Aspen Ridge Homes - Kettle Lakes Club

IFC

Fieldgate Homes - Lotus Pointe Caledon

Aspen Ridge Homes - King Country Estates

IFC

Fieldgate Homes - Potter’s Bend

Aspen Ridge Homes - King Oaks

IFC

Fieldgate Homes - The New U

Aspen Ridge Homes - Kleinburg Hills

IFC

Fieldgate Homes - Valley Lands

Insert & 25

Fieldgate Homes - Vaughan Valley Estates

Insert & 25

Aspen Ridge Homes - Mayfield Village Aspen Ridge Homes - Upper Cornell

1 IFC

Fieldgate Homes - Victoria Manor

Insert & 25 Insert, 25 & 29

25

Ballantry Homes - Cornell

5

Forest Hill Homes - Cornell Rouge

Ballantry Homes - Spring Valley Village

5

Forest Hill Homes - Derry Village Mississauga

99

Ballantry Homes - The Neighbourhoods of OAK PARK

5

Forest Hill Homes - Jefferson Forest

47

Ballymore Homes - Jubilee

83

Great Gulf Homes - Mount Pleasant

94-95

Ballymore Homes - Mill Street Village

71

Great Gulf Homes - Westfield

94-95

Briarwood Homes - Jubilee

83

Greenpark Homes - Lotus Pointe Caledon

19

Brookfield Homes - The Arbors

17

Greenpark Homes - Vales of the Humber Estates

45

Brookfield Homes - Willow Glen Tottenham

16

Heathwood Homes - Hampshire Mews

53

Canpages - Promo

80

Homes by DeSantis - Lyon’s Creek

Chinese Home & Condo Guide - Promo

84

Impact North - Credit Manor Heights

118 New home guide GTA | jan 25 - feb 8, 2014

35 & 77

101 55

LeBovic Homes - Old Taunton in Pickering

109

Plaza Premium Lounge - Promo

58

Lifestyle Communities - Promo

102

Primont Homes - Castlemore

13

Losani Homes - Ancaster Glen

98

Primont Homes - Centretown

43

Losani Homes - Corporate

98

Primont Homes - Corporate

12

Losani Homes - Discovery

98

Primont Homes - Harmony

13

Losani Homes - Doon Creek

98

Primont Homes - Heirloom in Markham

13

Losani Homes - Greenhill Glen

98

Primont Homes - Renaissance Townes

43

Losani Homes - Orchard Park

98

Regal Crest Homes - Credit Manor Heights

55

Losani Homes - Paramount

98 Rosehaven Homes - Corporate

Losani Homes - Sherman Oaks

22-23

98 Rosehaven Homes - Lotus Pointe Caledon

Losani Homes - Summit Shores

98

Losani Homes - The Fairgrounds

98

Losani Homes - Victoria Common

98

Madison Homes - Cornell Rouge

11 & 35

19

Rosehaven Homes - Lyon’s Creek

Madison Homes - Greensborough

11

Madison Homes - Jefferson Forest

47

Madison Homes - Thornhill Ravines

11

Marydel Homes - Seven Meadows

81

Mattamy Homes - Mount Pleasant North

8-9

Mattamy Homes - Wildflowers

BC

Menkes - Corporate

6-7

Model Home Calendar - Promo Monarch Corporation - Corporate

101

Schwarz Law LLP - Barristers & Solicitors

57

Shopping Guide - Promo

70

Starlane Home Corporation - BlueSky Stouffville

27

Starlane Home Corporation - Lotus Pointe Caledon

19

Starlane Home Corporation - Mount Pleasant Meadows

18

Starlane Home Corporation - The New U

29

Starlane Home Corporation - Vales of the Humber Estates 45 Treasure Hill Homes - Accolades

21

Treasure Hill Homes - Aurora Woods on Bayview

21

108

Treasure Hill Homes - Nautica at Lakeshore Woods

21

120 & IBC

Treasure Hill Homes - Vales of the Humber Estates

21 & 45

Paradise Homes - IMPRESSIONS

51

Tribute Communities - Landscapes

15

Paradise Homes - The New U

29

Valery Homes - Mount Pleasant Meadows

18

jan 25 - feb 8, 2014 | New home guide GTA 119

Monarch first.

Before the ‘60’s changed the world.

Before the Baby Boom began. Before the Roaring ‘20’s took us dancing to the Charleston or out to the movies, Monarch was here. First. For 96 years, families have trusted Monarch for the most important investment of their lives.

So choose the one builder who has always been there for Canadian families.

And visit Monarch. First.

120 NEW HOME GUIDE GTA | JAN 25 - FEB 8, 2014

MONARCH COMMUNITIES KLEINBURG | KLEINBURG CROWN ESTATES | GRAND OPENING OF DESIGNER MODELS SINGLES FROM THE LOW $800,000’s Sales Centre located at 165 Timber Creek Boulevard 416-495-3513 CALEDON | SOUTHFIELDS | BRAND NEW RELEASE SINGLES FROM THE LOW $600,000’s TOWNS FROM THE UPPER $300,000’s Sales Centre located at 12515 Kennedy Road (Kennedy Rd. and Mayfield Rd.) 905-843-0707 AJAX | TRANQUILITY | DESIGNER DECORATED MODELS SINGLES FROM THE MID $500,000’s Sales Centre located at 3 Bignell Crescent (Salem Rd. North & Rossland Rd. East) 416-495-3542 SCARBOROUGH | EVERGREEN | A FEW CHOICE HOMES REMAIN TOWNS FROM THE UPPER $400,000’s Sales Centre located at 70 Town Centre Court (Town Centre Crt. and Borough Dr.) 416-495-3574 SCARBOROUGH | DANFORTH ROAD & EGLINTON | COMING SOON KITCHENER | TOPPER WOODS | COMING SOON

ALSO BUILDING HIGH RISE COMMUNITIES IN:

ETOBICOKE WATERFRONT | THE KINGSWAY | DOWNTOWN TORONTO HOURS: Monday – Thursday: 1pm – 8pm, Friday: 12pm – 5pm, Weekends & Holidays: 11am – 6pm

discover more

MonarchGroup.net *Some conditions apply. Please ask a sales representative for full details.

Prices, specifications and promotions are subject to change without notice. E.&O.E. 9042

first.

mattamyhomes.com

Wildflowers Is Now Wide Open In Our New Sales Centre Location.

Affordable Detached Living Starts At Just $296,990 In Wildflowers.

Beautiful Open Kitchen/Family Room Space

Our Sales Centre is now in its brand new location and we are open with a great selection of Detached Homes from a very affordable $296,990.

Right now you’ll also find a special package of upgrades on our 30' and 36' Detached Homes.

We’ll include granite kitchen countertops and hardwood on the main floor.

Come visit us today in our new location and pick your dream home in Wildflowers in Kitchener.

36' Home, The Wintergreen, Elev. ‘C’, 2,339 Sq.Ft., $411,990

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Detached Homes From $296,990

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30' Home, The Indigo, Elev. ‘B’, 1,780 Sq.Ft., $334,990

Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm Follow us: All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.