GTA New Home Guide - Feb 8, 2014

February 8 - 22, 2014 Volume 22 Issue 3

INSIDE THIS ISSUE

INVESTMENT-READY COMMUNITIES THE NEXT STEP

HOW TO DEDUCT MORTGAGE INTEREST

RRSPs: THEY’RE NOT JUST FOR RETIREMENT ANYMORE

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

February 8 - 22, 2014 || volume 22 issue 3

on the cover

p. 32

community focus features 24 Woodbridge

February 8 - 22, 2014 Volume 22 Issue 3

Fieldgate Homes

Upgrade your life at Vaughan Valley Estates in Woodbridge

primont homes

72 Aurora

Brookfield Residential

Expect amazing things from Primont in 2014

The Arbors coming soon to Aurora, by Brookfield Residential

106 Ajax

Menkes

Move in this spring at award-winning Somerset in Ajax

INSIDE THIS ISSUE

INVESTMENT-READY COMMUNITIES THE NEXT STEP

HOW TO DEDUCT MORTGAGE INTEREST

RRSPs: THEY’RE NOT JUST FOR RETIREMENT ANYMORE

regular and special features in every issue

4 Editor’s Note 10 Contributors 58 Hot Dates 118 Ad Index columnists

14

BILD

Report

Investment-ready communities the next step in home building

by Bryan Tuckey

28

115 GTA Hot Sheet

Two pages of new openings, new releases and preview registrations

in the news

38 52

Finances

More than a third of Canadians deposit to RRSPs before deadline

Heathwood Homes

offers first-time buyers’ program in Richmond Hill

70

Two Men and a Truck

74

New-home market

98

names 2013 Franchisee of the Year winner Analysis of new-home market reveals a road to recovery

Finances

Saving for retirement outranks debt reduction in 2014: RBC

108 Finances

Paying down debt a top priority for Canadians in 2014: CIBC

Fundamentally Speaking

Watch the retail landscape for neighbourhoods on the upswing

72

by Wayne Karl

36

Taxing Issues

Calculating capital gains tax

by Henry Choo Chong

40 The Tax Man

The Smith Manoeuvre: deducting mortgage interest

by George Dube

44

Make Your Move

Technology on the move

by Chuck Resnick

46

Mortgage Finesse

Credit and debt management

by Calum Ross

54 Money Matters

RRSPs: they’re not just for retirement anymore

by Gail Vaz-Oxlade

56

Legally Speaking

The law of good faith – or lack thereof

by Jayson Schwarz

homebuyers’ help

49

Expert Advice

Spend versus save

by Sara Duck

80

Tax Time Tips

Tax credits to ease the pain of this big-ticket purchase

111 Resource Section

Mortgage Calculator and Rate Table

106

//editor’s note

Get it in writing and have your lawyer review your agreement

B

Susan Legge

Editor-in-chief Wall2Wall Media Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on Facebook. Search: New Home Guide

uying a brand-new home offers you an opportunity to customize it to your liking. It can be a dream come true and an investment for the future – but don’t forget, it’s also legal transaction.

The term “get it in writing” has never been more important in the case of the new-home purchase, since such a document outlines everything your home will have in it, on it and around it. Otherwise known as the Agreement of Purchase and Sale, the contract spells out the terms and conditions between you and your builder. Without it, if there is a misunderstanding or disagreement, it’s impossible to prove what was agreed upon.

Since building a home is much more complicated than a resale transaction where the unit and/or property likely already exists, there is

no set Agreement of Purchase and Sale or standard contract for buying a new home. In some provinces, builders may have standard contracts prepared by the local home builders’ association or their new-home warranty program. Builders often prepare their own agreements, so contracts can vary from one builder/ developer to another and from province to province.

Before you sign a contract, review it carefully with the builder and ask questions to make sure you fully understand what it contains. Your next step is to then take it to a real estate lawyer and have it reviewed. Once it is signed, it becomes a legal document and an agreed-upon contract, so seeking the services of an experienced real estate lawyer is an important step toward ensuring that your dream home becomes a reality.

Ask those taxing questions Whether from your mortgage broker or financial advisor, the right answers could save you hundreds if not thousands

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 | february 8 - 22, 2014

hen you’re buying a home, particularly your first home, you will need the advice of several professionals: builder, lawyer, mortgage broker or banker, financial advisor and so on. But none of them has the personal stake in the deal that you do. Indeed, it is your transaction, your future and, ultimately, your money.

This is why it’s essential to ask questions. Don’t understand something?

Ask. Don’t get a satisfactory answer?

Ask again.

Take this scenario brought to our attention by Alyssa Richard, CEO of ratehub.ca. First-time buyers who are looking to buy together with a buyer who is not a first-timer, can still use the Home Buyers’ Plan to withdraw $25,000 from their RRSP, tax-free, for a down

payment. But they cannot claim the FirstTime Home Buyers’ Tax Credit of $750.

“Another surprise had to do with land transfer tax rebates. In Toronto, qualifying first-time homebuyers can claim a total rebate of up to $5,725 for both the Ontario and Toronto land transfer tax. If you’re buying with someone who is not a first-time homebuyer, many first-time buyers assume they can’t claim those rebates.

But you can – 50 per cent is yours to claim.” Instead of being able to claim the full rebate of $5,725, you could claim $2,862.50, which of course is better than nothing.”

Whatever your own circumstances, take the time to ask those challenging, if difficult, taxing questions. The answers could save you hundreds if not thousands.

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.

FEBRUARY 8 - 22, 2014 | NEW HOME GUIDE GTA 5

6 NEW HOME GUIDE GTA | FEBRUARY 8 - 22, 2014

FEBRUARY 8 - 22, 2014 | NEW HOME GUIDE GTA 7

mattamyhomes.com

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

Today You Can Connect To A Brand New Release Of Townhomes And Detached Homes.

Enjoy A Family Skate In The Neighbourhood.

Today we’re offering a brand new release of Townhomes and Detached Home designs in established Mount Pleasant North. Many of the the new Townhomes offered in this release have never been offered before.

These new home designs will add much character to this highly popular Brampton community that truly is connected to everything you need right outside your door.

In our Mount Pleasant neighbourhoods you’ll enjoy outdoor recreation, shopping, walking to the library, skating on the community rink and the GO Train into the city, all just minutes from your home.

We invite you to our Sales Centre to find the new Townhome or Detached Home that best suits your family’s needs.

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.

Elev. ‘C’

Elev. ‘E’

2-Storey Townhome, The Dufferin ‘C’, 1,587 Sq.Ft.

Elev. ‘B’

3-Storey Townhome, The Markdale ‘E’, 1,768 Sq.Ft.

30' Home, The Dover ‘D’, 1,434 Sq.Ft.

Rear Lane Townhome, The Brantford ‘B’, 1,736 Sq.Ft.

38' Home, Plan 4 ‘A’, 2,458 Sq.Ft.

Bovaird Dr./Hwy.7

Townhomes From $319,990 • Detached Homes From $379,990

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

Jayson Schwarz

Schwarz Law Barristers and Solicitors

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

THE TAX MAN

George E. Dube

CA, CPA, LPA, is a real estate investor and Chartered Accountant and partner with Peter Cuttini, Dube & Cuttini Chartered Accountants LLP. He has written and contributed to articles and co-authored two books. georgedube@ dubecuttini.com, dubecuttini.com, Twitter @dubecuttini.com 1.877.475.3823

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

mortgage finesse

Calum Ross

Calum Ross is senior vice-president and practicing mortgage agent with The Mortgage Centre.

He has appeared on Canada AM, Investment Television, BNN and Citytv. He holds an MBA in finance and is an Accredited Mortgage Professional.

He can be reached at 416.410.9905

money matters

make your move

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

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

Gail Vaz-Oxlade

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 | february 8 - 22, 2014

Markham

Library with Over Cornell Community Centre & Your Doorstep.

70,000 sq. ft. Now Open at

Tour our 8 professionally decorated models

Freehold Townhomes featuring

2 master bedrooms - each with a Semi-Ensuite

480's

$

from the

From 1,737 Sq.ft.

cornellrouge.com

MARKHAM

Semis and Singles on 30’, 36’ & 40’ lots with attached garages

$500's

from the high

From 2,004 Sq.ft.

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

Open Monday to Thursday from 1 to 8 p.m.; Friday by appointment only; Weekends and Holidays from 11 a.m. to 6 p.m.

Renderings are artist’s concept.* Specifications are subject to change without notice. E. & O. E. See Sales Representative for details.

11

//bild report

Investment-ready communities

are the next step for home building » by bryan tuckey This column often addresses the problems that new-home buyers and the home building industry face.

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).

I would like to start proposing solutions that will help overcome some of these hurdles and ultimately make new homes more affordable for the 100,000 people who come to the GTA every year and want to make the largest purchase of their lives.

We don’t claim to have turnkey solutions that will unlock the industry and make new-home buying easy. It is a complicated process that requires knowledge, innovation, preparation and, most of all, patience.

However, we think the concept of investment-ready planning deserves a serious look if not as a solution than as an innovation that opens up discussion on making new homes more affordable.

Ultimately, new-home buyers should know that investment-ready is a concept that would streamline the homebuying process, cut red tape and save them time and money.

Investment-ready means businesses and developers can make quicker decisions on selecting sites, and that would lead to a faster approval process for greenfields, intensification and other projects.

Premier Kathleen Wynne announced an investment-ready program last August, calling it “Canada’s first province-wide certified site program.”

“It shows companies around the

14 New home guide GTA | february 8 - 22, 2014

world the places in your municipalities that are ready to be developed, giving them some certainty about environmental concerns, utility lines, servicing access,” the premier said at the time.

“It means businesses can quickly make more informed decisions and help expansion projects get underway sooner. For municipalities, it provides another tool to promote your communities, attract new investment and foster growth. It does that upfront work that’s so critical.”

Investment-ready means businesses and developers can make quicker decisions on selecting sites, and that would lead to a faster approval process for greenfields, intensification and other projects.

In fairness, clearing red tape is one of the planks of PC Leader Tim Hudak’s Million Jobs Act. Streamlining the building process is all about cutting red tape to get to outcomes, and investment-ready communities focus those desired outcomes to attract economic investment and building complete communities.

Investment-ready planning is also a solution offered up by the land development and home-building industry during the 80-day consultation of the land use planning and appeals system, which ended on Jan. 10.

In a document from the Ontario Home Builders’ Association and supported by BILD, we state that investment-ready communities are “necessary to compete for new global investments or changing economic forces.”

But there’s a gap between the province and many of its municipalities that has led to implementation delays and extra costs: Official Plans and zoning bylaws often don’t conform to the provincial Growth Plan.

To give Ontario an advantage in the global economy and create investment-ready communities, a logical step would be ensuring that municipalities update their local Official Plans every five years and zoning bylaws within three years of an OP update. That will lead to more certainty and fewer building delays, fewer appeals to the Ontario Municipal Board and a stronger economy.

And that means less time and money spent by new-home buyers and businesses. I think we all want that.

For more information, visit tinyurl.com/ndhzomv

FEBRUARY 8 - 22, 2014 | NEW HOME GUIDE GTA 15

16

WHITBY’S

BEST 40’ LOT VALUE IS

50% SOLD

Homes sold by appointment only.

Register at 416-746-1234 or visit www.newhomepriority.ca

All with double car garages set in an infill location at Baldwin north of Taunton.

Preview priced from the upper $400’s

Broker’s protected

10 SHELBURNE

d Hu

Sales Office Hours: Mon-Wed 1pm-7pm Weekends/Holidays 11am-6pm

nt

ro ar io St

*Ask sales rep for details.

Prices correct at press time E&OE.

rt R

ne

9

Coming Soon

d

R York Tay lo

SALES OFFICE

rR

d

nd

ale

Av e

N

QEW

Gle

Niagara-on-the-Lake

10

ORANGEVILLE

90 day closings available 30 minutes north of Brampton

38’ Full depth Singles from the mid $300’s

St

519-306-0665 551 Wainsborough Way, Shelburne ON (West side of HWY 124) approximately 1.5 km north HWY 89

89 o Airp

Main

N

2nd Li

in a Master Planned Community from $279,990 up to $367,990 for 3240 sq.ft.

Rd124 County

40’ Full Depth Singles

www.lakeviewhomesinc.com

Register Now 1-800-565-5150

Don’t Miss Out On Our Great Lot Selection!

Unionville’s Most Luxurious

TOWNS, SEMI’S & SINGLES

Freehold Townhomes

25’ & 28’ Designs

34’ Design

This is your chance to live in the last truly great location in prestigious Unionville.

Visit Upper Unionville now and see all that this Master Planned Community has to offer you and your family. Just minutes from schools, parks, golfing, shopping and of course charming Main Street Unionville.

FREEHOLD TOWNS 25’& 28’ SEMIS priced from the mid

500s

$

priced from the low

600s

$

34’ SINGLES priced from the mid

700s

$

38’& 42’ LOTS priced from the upper

800s

$

Visit our Sales Offices Today! LivingAtUpperUnionville.com FOUR GREAT BUILDERS, ONE INCREDIBLE MASTER-PLANNED COMMUNITY

905-534-1564

905-477-6464

905-477-0317

905-534-0493

Sales Centre Hours: Saturday, Sunday & Holidays, 11am - 6pm. Monday to Thursday, 1pm - 8pm. Closed Fridays Prices and specifications are subject to change without notice. E. & O.E. All renderings are Artist’s concept.

Kennedy Road and 16th Avenue

ACCOLADES IN MARKHAM

SITE

COMING SOON Last Chance to Live in This Established Markham Community!

SINGLES • SEMIS TOWNHOMES 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 commmunity of Wismer Commons, where outstanding amenities are only minutes away.

register at treasurehill.com

DISCOVER LIVING NAUTICA

FREEHOLD TOWNS

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

URBAN TOWNS IN OAKVILLE

STARTING FROM $549,900 The ultimate urban living experience awaits you in Oakville. Nautica at AT L A K E S H O R E W O O D S

Lakeshore Woods with the talent of acclaimed architect Richard Wengle has created living spaces that feature contemporary and functional designs, customized from floor to ceiling.

Sales Centre located at 3420 Rebecca St. in the Great Lakes Plaza • 905.465.9133 AT L A K E S H O R E W O O D S

AURORA WOODS

LUXURY SINGLES 40’ & 45’ SINGLES IN AURORA

STARTING FROM $768,900 Aurora Woods boasts an ideal location featuring peace and quiet, and the allure of a small town, but also the convenience of city-style amenities. Nestled in nature, these Chateau, French Provincial and Tudor style homes feature ravine and wooded lots.

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

Sales Centre located at 14726 Bayview Avenue, just North of Vandorf Sideroad • 905.727.5794

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

VALES OF THE HUMBER

E S TAT E S I N G L E S 57’ LUXURY SINGLES IN BRAMPTON AT L A K E S H O R E W O O D S

COMING SOON Welcome to the upscale, master-planned community of Vales of the Humber. This new development will feature only luxury singles that will integrate beautifully with attractive streetscapes, parks and schools in the ideal family-focused environment.

Pre-register today at 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. A s k a s a l e s r e p . f o r d e t a i l s .

For more information visit treasurehill.com

I am happy, I am comfortable,

Current Communities

CHIPPAWA/NIAGARA Freehold 35’ WIDE Bungalow Loft Townes from the low $320’s.

New 50’ Lots Coming Soon.

6 MODELS TO TOUR

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 | Vaughan Valley

//community focus

Upgrade your life in Woodbridge

With two elegantly upgraded model homes currently on sale, now is the time to discover Vaughan Valley

Location Woodbridge Housing Type Luxury detached homes Sales centre Open 1 to 8 p.m. Monday to Thursday, 11 a.m. to 6 p.m. weekends and holidays Contact 905.303.4728 vaughanvalleyestates.com

24 New home guide GTA | february 8 - 22, 2014

W

oodbridge has long boasted some of the biggest and most beautiful homes in the GTA. Take a drive in the area on a sunny day and you’ll discover many a fine and spacious home set upon stately lots. Yet when it comes to which community of new homes has bragging rights as to being the very best, Vaughan Valley Estates by Fieldgate Homes has clearly emerged as the finest.

Set behind an elegant stone entry gate on the west side of Weston Road, between Teston Road and Major Mackenzie Drive, Vaughan Valley Estates offers the finest luxury lifestyle in Woodbridge. With hundreds of families already happily living in the community, there’s never been a better time to experience life at Vaughan Valley Estates. And with two stunning designer model homes currently on sale, the possibilities of life at Vaughan Valley are more amazing than ever.

When designing the community, Fieldgate committed to strict architectural standards that have brought a pleasing harmony to the streetscapes of the neighbourhood, with homes that offer both visual interest and variety, but which are also pleasingly complementary in their aesthetics. ...continued on pg 26

COMING SOON

NIAGARA

45 Boutique Condos and 2 Storey Lofts $300’s FROM THE MID

Bathurst & Niagara

REGISTER NOW:

90niagara.com Prices and specifications are subject to change without notice.

E. & O. E. Rendering is artist’s concept only.

FIEL-90N-A-AD CGTIPIN-NOV26-1.indd 1

13-11-26 2:11 PM

25

//community focus...continued

fieldgate homes | Vaughan Valley

Homeowners can now experience the ultimate in luxurious Vaughan Valley living, with two of the community’s finest luxury model homes now on sale.

Homeowners can now experience the ultimate in luxurious Vaughan Valley living, with two of the community’s finest luxury model homes now on sale. The four-bedroom, 3,336-sq.ft. Umbria boasts an impressive selection of elite upgraded features and finishes too numerous to mention. Some of the many highlights in the home include a double-sided gas fireplace in the library and family room, whirlpool tub in the master ensuite, whole-home hardwood flooring and more. The Umbria model home is priced at $1.29 million.

Fieldgate also spared no expense in upgrading the fivebedroom, 3,752-sq.-ft. Calabria. Features include a frameless glass shower with body spray and separate whirlpool tub in the spa-inspired master ensuite, upgraded cabinets and granite countertops in the kitchen, an expansive Great Room with a double-sided fireplace that can also be enjoyed on the outdoor deck, and a raised fireplace and sitting area in the master bedroom. The basement is finished with a theatre room, wine cellar, pool table, bar and card playing area. The Calabria model home is priced at $1.54 million.

Woodbridge’s location in Vaughan has always been one of the 26 New home guide GTA | february 8 - 22, 2014

area’s most impressive and appealing attributes. For years, Vaughan was promoted as the “City Above Toronto” and it has grown into the role, with a range of sophisticated urban amenities.

With its location within Woodbridge, Vaughan Valley Estates’ owners enjoy access to superb shopping, from convenient local stores to Vaughan Mills – located just five minutes away. Excellent schools, restaurants and services abound in the area. Nature is your next-door neighbour with attractions such as the Boyd Conservation Area and the Kortright Centre, both nearby, along with local parks and community centres.

Golfers love the choice of courses in the area, including the highly acclaimed Copper Creek Golf Club. Plus, residents enjoy easy access to major 400-series highways including the 400 and 407, as well as Hwys. 7 and 27.

The Vaughan Valley Estates presentation centre is open from 1 to 8 p.m. Monday to Thursday, and from 11 a.m. to 6 p.m. on weekends and holidays.

For more information, call Fieldgate Homes at 905.303.4728 or visit the website at vaughanvalleyestates.com

NOW OPEN

STOUFFVILLE

•

PHASE 2

STARTING FROM $ 433,900 * UP TO 2,503 SQ.FT.

Stouffville Rd.

9th Line

SITE

SALES CENTRE

Main St.

9th Line

SINGLES

Markham Rd.

36' & 40'

Bethesda Rd.

HWY 404

TOWNHOMES

Bloomington Rd.

York-Durham Line

FR EEHO LD

HWY 407

Bloomington Rd.

ONLY A FEW REMAIN IN MISSISSAUGA Bethesda Rd.

SEMIS FROM $ 561,900 * UP TO 1,708 SQ.FT. SITE

Thomas St. MODEL HOMES

Winston Churchill Blvd.

Brittannia Rd. West

Tenth Line

MODEL HOMES

Ninth Line

Hwy. 407

Ninth Line

Main St.

Eglinton Ave. West Hwy. 403

BONUS: $10,000 IN FREE UPGRAGES & 4 FREE APPLIANCES SALES CENTRE HOURS: MONDAY - THURSDAY: 1PM - 8PM • FRIDAY & HOLIDAYS: CLOSED • SATURDAY & SUNDAY: 11AM - 6PM

starlanehomes.com /starlanehomes

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*Limited quantities available in some price ranges to qualified purchasers. Prices & information correct at press time. Maps not to scale. Some lots may have premiums. E.O.& E. Conditions may apply.

//fundamentally speaking

Watch the changing retail landscape

to see if your neighbourhood may be on the upswing » 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

It was almost one year ago – March 2013 to be exact – that Target Corp. began opening the first of its approximately 125 store openings in Canada. The U.S. retail giant announced in 2011 it was moving north with a $1.8-billion acquisition of up to 200 Zellers store leases, with most of the initial openings coming from renovating existing Zellers locations.

While the expansion may not have gone quite as planned, with Canadian consumers not exactly enthralled with Target’s product offerings and pricing strategy, there’s no question the move will continue to have a significant impact on the Canadian retail landscape – particularly as the company builds greenfield outlets in new locations.

Now comes news that Wal-Mart plans to spend $500 million completing 35 supercentre projects over the next year.

The U.S. retailer says it will spend more than $376 million to build, expand, relocate or remodel stores, as well as invest additional funds on operational improvements.

For homeowners and prospective homebuyers, this is all good news – and a very good reason to pay attention. Such major retail developments are a significant influence on land development and housing.

When the likes of Target, Walmart, RONA and other major players set up shop, particularly in a new location, it’s a good sign an area could be on the upswing.

Like proximity to mass transit, schools and other amenities, being close to shopping is a major attraction for builders and, of course, prospective homebuyers. These features are among the key determining factors to enjoying your home while you live there, as well as for potential resale value in the future.

Large retailers and commercial ventures don’t just pop up in the middle of nowhere or in declining neighbourhoods.

These companies make careful, long-range and well plannedout decisions in lockstep with municipalities and developers, based on hard data, research and demographic information.

This is why major retail expansion is good news: it’s an indicator the economy continues to strengthen; and, for those looking to buy a home, it’s a sign to look out for new or

28 New home guide GTA | february 8 - 22, 2014

Large retailers and commercial ventures don’t just pop up in the middle of nowhere or in declining neighbourhoods.

expanding neighbourhoods and solid buying opportunities.

Such retail developments, combined with the associated employment gains and economic and infrastructure improvements, point to new and expanding homebuying options.

So, while you’re out there looking for your new home, look around for the big box stores. If they see a bright future for your prospective neighborhood, chances are it will make a sound buying decision for you.

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29

GERANIUM

FAMILIES

SAY IT BEST!

“We love the open concept designs!”

– Jon and Laura Geranium Home Owners

BILD 2012 HOME BUILDER OF THE YEAR CHBA 2011 GRAND SAM AWARD WINNER

Follow us on:

Sizes, prices and specifications are correct at press time and subject to change without notice. All illustrations are artistʼs concept.

The ENERGY STAR ® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E.&O.E.

“Our new Geranium Home has far exceeded all of our expectations!”

“We have enjoyed every step of the way and couldn’t ask for a better house to make a home and grow with! We are happy customers and love our new chapter we have started at Cardinal Point!”

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“We both knew right away that this was the house we had been searching for.”

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//cover story

Expect amazing things from

Primont in 2014 Location Markham and Brampton Housing Type Markham, freehold towns and semis; Brampton, towns, semis and 40-, 50and 65-ft. singles Sales centre: Markham, Fimco Crescent, located off of Donald Cousens Parkway, south of Major Mackenzie Drive; Brampton, 9130 Leslie St., Richmond Hill Contact Markham, 905.201.2804; Brampton, 905.856.5777 primonthomes.com

32 New home guide GTA | february 8 - 22, 2014

A

t Primont, we’ve always prided ourselves in putting our customers first.

Guided by this commitment, we’re continuing to go above and beyond to create the finest new home communities in the GTA. With several communities already under construction and more on the way, you can find the home you’ve always wanted with Primont in 2014.

Construction is well underway at Primont’s popular Castlemore and Heirloom communities, so there’s never been a better time to find the perfect family home with Primont. Like all Primont communities, Castlemore and Heirloom offer breathtaking collections of exquisite family homes at some of the finest locations in the GTA. And with both communities offering early closings, you won’t have to wait long to move-in to your stunning new Primont home.

Heirloom is an inviting family community of stylish freehold towns and semis at an exceptional Markham location, just minutes from Hwys. 404 and 407.

Homes feature beautiful brick and stucco exteriors and a fine selection of interior features and finishes. And with schools, shopping, restaurants, a community centre, neighbourhood parks and GO Transit nearby, you’re not just moving-in to a home – you’re moving-in to a vibrant, established community setting. A New Release of executive townhomes – priced from just $389,000 – is currently available at Heirloom. The Heirloom sales team is also proud to announce that they’ll now be operating out of an all-new designer decorated model home on Fimco Crescent, located off of Donald Cousens Parkway, just south of Major Mackenzie Drive. Call 905.201.2804 to learn more!

PRIMONT HOMES | Castlemore & Heirloom

In addition to communities that are currently under construction, Primont also has several other communities that offer beautiful homes and exceptional value at great GTA locations.

On the other side of the GTA, Primont has been receiving a lot of attention for its stunning family community in Brampton’s iconic Castlemore Village. At Castlemore, potential homebuyers are sure to be impressed by the fine selection of stunning towns, semis and 40-, 50- and 65-ft. singles. This incredible northeast Brampton community offers inspiring vistas overlooking the West Humber ravine and the Claireville Conservation Area. This natural setting is ideal for nature lovers, who can step out their front doors and enter into a world of hiking, cycling and more. Residents of Castlemore can also delight in the incredible combination of natural beauty and urban convenience, with Bramalea City Centre and a fine array of shops, schools, plazas and parks all just minutes away. With homes starting from just $409,900, and inventory closings available, it’s never been a better time to make the move to this highly prestigious community. Castlemore’s sales team has recently relocated, so visit them at 9130

Leslie St., Richmond Hill, or call 905.856.5777 to learn more.

In addition to communities that are currently under construction, Primont also has several other communities that offer beautiful homes and exceptional value at great GTA locations. Brampton’s Centretown community features an impressive array of breathtaking townhomes and picture perfect two-car garage singles in a positively stunning master-planned community atmosphere. Located in the northwest part of Brampton, Mount Pleasant is a charming storybook community of unparalleled beauty.

Bordering picturesque farmland, yet offering all the major conveniences of Brampton – such as shopping, schools, restaurants and more – Mount Pleasant is a neighbourhood that truly offers the best of all worlds. And with easy access to Brampton Transit, GO Transit and Hwy. 410, it’s easy to get anywhere you want to go when you live at Centretown in Mount Pleasant. Centretown’s townhomes and singles are priced from just $355,900.

Homebuyers are also falling in love with an exciting new release of only 38 stunning townhomes at Markham’s Harmony community. Located right across from South Unionville Square, Harmony is an exclusive family community of stylish executive townhomes. The breathtaking homes in this established neighbourhood offer homebuyers the rare opportunity to live in one of South Unionville’s most desirable areas. These luxury executive townhomes are priced starting from $539,800. The Harmony sales team is now located at 9130 Leslie St., Richmond Hill.

Coming soon from Primont Homes are two new exciting communities in highly sought after locations. Opening this March in Woodbridge, Renaissance Townes offers an elegant collection of executive townhomes at a central location. And Primont Caledon will offer an amazing selection of 36-, 41- and 45-ft. singles with two-car garages.

For more information on any of these wonderful Primont communities, visit primonthomes.com february 8 - 22, 2014 | New home guide GTA 33

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.

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newhomeguide.ca 34 NEW HOME GUIDE GTA | FEBRUARY 8 - 22, 2014

dreams

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35

//taxing issues

Calculating capital gains tax » by henry choo chong

Q

.I recently purchased a new home from a builder in north Toronto. Occupancy is in November and I expect to complete transaction in March of next year. My sale price was $40,000 more than the initial purchase price.

I have never lived in the property. Thus far, it has all been handled by my lawyer. Will I have to pay capital gains tax on this? How much and can I claim the lifetime exemption? Brian, 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

Capital gains tax is charged on the profit realized from the sale of non-inventory assets. Most common assets are stocks, bonds and real estate. Currently, the income inclusion rate is 50 per cent. The taxable inclusion rate has bounced from inception 50 to 75 per cent, to 66 per cent, to its current rate.

Therefore, an individual with capital gains must include in his/ her personal tax return, 50 per cent of the capital gain. Yes, this can add up to be a large chunk of change and reduces your actual after tax rate of return on your investment.

Where did this tax come from? You say, many countries do not have this! Canadians were first introduced to capital gain tax in 1972. The Canadian government claims this was necessary to finance our social security programs and create a more equitable taxation system. Almost 40 years since and it is still around.

Don’t you feel more secure about your social security and equality in our tax system? Some countries such as Belize, Barbados, Cayman Islands, Egypt, and Hong Kong have no capital gains tax. On the other hand, there are many countries with similar taxation to Canada’s such as Bulgaria, Denmark, France, Finland and Iceland.

Regardless, if you actually move in or not, you will be subject to capital gains tax on your sale in the year the transaction is completed. Individuals that purchase new or resale homes are treated no differently. Mr. Harper wants his share of the profit.

Regardless, if you actually move in or not, you will be subject to capital gains tax on your sale in the year the transaction is completed.

Individuals that purchase new or resale homes are treated no differently.

36 New home guide GTA | february 8 - 22, 2014

Using a marginal tax rate of 40 per cent in the example; ›› Capital gains $40,000 ›› Taxable capital gains (50%) $20,000 ›› Tax rate: 40% ›› Taxes payable: $20,000 x 40% = $8,000 Under certain circumstances the lifetime capital gains exemption can be claimed to reduce or eliminate capital gains. An individual that disposes of qualified farm or fishing property and small business corporation shares may claim an exemption up to $750,000. Your particular transaction does not qualify for this exemption.

Some other issues you should ponder and discuss with a lawyer and/or tax professional: ›› GST/HST – how will investment be treated on closing? ›› GST/HST – are rebates available? ›› Land Transfer tax – How will this be managed at closing? ›› Is builder okay with this assignment? ›› Any issues with occupancy?

Who takes? ›› Have you considered the cost of occupancy period?

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//In the news

More than a third of Canadians contributing to RRSPs well ahead of deadlines: BMO Many Canadians got a head start on saving for retirement this year, according to the fourth annual national Registered Retirement Savings Plan (RRSP) study from BMO Financial Group. More than one-third (35 per cent) of Canadians reported that they had already contributed to an RRSP before the March 3, 2014 deadline. This is up five per cent from this time last year.

Additionally, according to the study: » Sixty-four per cent of those who have already made a contribution have contributed at least $2,000 to their RRSP and 40 per cent have put in at least $5,000. » Forty-three per cent of Canadians reported that they will make a contribution to their RRSP by the March 3 deadline. This is down from the 50 per cent who made a contribution last year. » A lmost two-thirds (64 per cent) of Canadians have an RRSP, compared to 67 per cent this time last year. » One-third reported that they usually contribute the maximum amount to their RRSPs. » Last year Canadians contributed an average of $3,544 to their RRSPs. “It’s reassuring to see that many Canadians are being proactive by 38 New home guide GTA | february 8 - 22, 2014

contributing to their RRSPs well ahead of the deadline.

However, according to Statistics Canada the total unused RRSP contribution amount is estimated to exceed $1 trillion by 2018,” says Caroline Dabu, vice-president and head of BMO Wealth Planning Group. “So we encourage everyone to contribute and contribute as early as possible to avoid the difficulties of having to come up with a large lump sum at the last minute.”

Dabu adds that using a Continuous Savings Plan (CSP) to make smaller and regular RRSP contributions throughout the year can help alleviate some stress leading up to the deadline.

A CSP regularly and automatically withdraws a specific amount of money from an individual’s bank account and invests it directly into his or her RRSP. It eases the cost of investing away from one annual deposit and helps increase savings.

RRSP Investing Hurdles The study also examined the reasons why Canadians are not planning to make a contribution to an RRSP this year.

These include: » Not having enough money to make a contribution (37 per cent) » Having other expenses which take precedence (33 per cent) » Prioritizing other investments (11 per cent) “It can be difficult to balance all of your financial priorities, whether it is paying down your mortgage, saving for your child’s education or putting money aside for your retirement,” says Dabu. “A financial plan can help you map out all of your financial commitments to help you prioritize. Also, a financial professional can help you understand your options, offer checkpoints to follow your progress, adjust your plan as your circumstances change and work with you to ensure you stay on track for success.”

FEBRUARY 8 - 22, 2014 | NEW HOME GUIDE GTA 39

//THE TAX MAN

The Smith Manoeuvre:

deducting mortgage interest » by George E. Dube

One of the largest expenses we have tends to be the mortgage on our home. Following traditional rules, we are limited to deducting, at best, a small percentage of the interest where we use a home office for business purposes.

However, using non-traditional planning, we are able to deduct potentially 100 per cent of the interest costs.

Your tax savings will vary based on where you live in Canada, your income

A variety of versions of the plan exist, and vary in aggressiveness and implementation to suit your needs and comfort.

level and the amount of interest you pay. As a quick example, though, with a mortgage of $200,000 at 4.5 per cent, your tax savings could be approximately $3,000 per year. While this may not by itself create financial freedom, imagine receiving these savings year after year – with minimal effort required.

Imagine the impact of a higher interest rate or larger mortgage.

A popular nickname for describing some of the possible techniques is the “Smith Manouevre,” coined by Frasor Smith.

A variety of versions of the plan exist, and vary in aggressiveness and implementation to suit your needs and comfort. With a Supreme Court decision related in part to questions surrounding the appropriateness of interest deduction plans, tax advisors have largely been given the green light to help clients restructure their affairs in an optimal fashion.

In its simplest form, these interest deductibility techniques allow homeowners the ability to convert the non-deductible portion of the interest on their mortgage to fully deductible over a period of time. The period is typically several years, however, your financial situation and aggressiveness may dramatically decrease this time.

A variety of mortgage products provide the ability to divide your mortgage into at least two segments, which allows you to track the interest expense on these segments separately. Your

...continued on pg 42 40 New home guide GTA | february 8 - 22, 2014

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//THE TAX MAN...continued

total mortgage will typically be set at 75 to 80 per cent of the value of your home.

If you are permitted a total mortgage of $200,000 on your home, you may start with the “bad” portion (non-deductible) of the mortgage at this $200,000 and the “good” portion (deductible) of the mortgage at zero. As you make payments on the mortgage, your principal on the bad mortgage will decrease, leaving you additional room to borrow on the good debt. In other words, your total mortgage may still be $200,000, however, it is divided between good and bad debt.

So, what do you do with this good debt? You invest. Traditionally, this was

Talk to your tax, mortgage and investment advisors to determine whether such a plan can work for you and that you are comfortable with the full implications.

Also, work closely with your mortgage advisor as you pay close attention to the features of the mortgage product that you use to ensure you have the required flexibility to accomplish your goals.

42 New home guide GTA | february 8 - 22, 2014

thought of as an excellent vehicle to acquire mutual funds and similar investments. However, this may be a great opportunity for you to go beyond that and invest in your business.

You may be able to shorten the conversion time of your bad debt where, for example, you have non-registered financial assets that can be sold and the proceeds used to pay down some bad debt. Tax refunds, inheritances, unexpected sources of funds, extra mortgage payments are further ways of speeding up the conversion.

While restructuring must be done properly, your efforts will be rewarded.

Talk to your tax, mortgage and investment advisors to determine whether such a plan can work for you and that you are comfortable with the full implications.

Also, work closely with your mortgage advisor as you pay close attention to the features of the mortgage product that you use to ensure you have the required flexibility to accomplish your goals.

There are significant differences between the products beyond the interest rates which command your attention.

This article is brief in nature and omits many important details that may dramatically change how financial plans may affect your particular situation. This should not be considered tax, investment, business or similar advice. Before implementing any plans, always discuss in full with your tax advisor and other relevant advisors.

George E. Dube,

CA, CPA, LPA, is a veteran real estate investor and Chartered Accountant whose practice with his partner, Peter Cuttini, Dube & Cuttini Chartered Accountants LLP, focuses on providing the knowledge and tools clients from across the country and around the world. George is a frequent guest speaker, addressing a variety of tax and accounting topics, he has written and contributed to articles in national and regional publications and co-authored two books: 81 Financial and Tax Tips for the Canadian Real Estate Investor: Expert Money-Saving Advice on Accounting and Tax Planning and Legal, Tax & Accounting Strategies for the Canadian Real Estate Investor. He also developed the accountant in-a-box program for real estate investors. George is a member of the Real Estate Investment Network (REIN) Faculty. georgedube@dubecuttini.com dubecuttini.com Twitter @dubecuttini.com 1.877.475.3823

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FEBRUARY 8 - 22, 2014 | NEW HOME GUIDE GTA 43

//make your move

Technology on the move » by Chuck Resnick Let’s face it, your electronic devices make the world go ‘round. Being in the moving business, we realize how important those items are to families.

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

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

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

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

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

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

44 New home guide GTA | february 8 - 22, 2014

The same goes for stereos and gaming systems. Many teenagers leave their entire gaming systems hooked up until moving day. It’s up to them to disassemble their systems and hopefully place them into their original packaging. If not, the best thing to do is wrap consoles in anti-static bubble wrap and place them into appropriately sized boxes so they won’t move around during the trip. In fact, this is the best way to treat most electronics items.

That includes computers – especially desktop units. We have specialty boxes designed specifically for them that can be bought separately. If you choose not to go that route, then surround the unit with anti-static bubble wrap and place it into an appropriately sized box.

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

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45

//mortgage finesse

Credit & debt management » by Calum Ross

As the credit system continues to evolve in Canada, consumers are getting increasingly confused with a greater variety of credit products from a greater variety of financial institutions. In fact, the average

Calum Ross

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

Canadian gets more correspondence from financial institutions than they do from family and friends combined (what have we come to?). To further complicate matters, institutions are granting ­credit to consumers at a pace never seen before.

The combination of increasingly sophisticated marketing techniques to consumers coupled with more and more available credit truly becomes too much temptation for many people to bear. Consumer debt is a major issue in North America. The concept of keeping up with the Jones has destroyed both people’s financial health and their personal lives. What I am here to tell you is that you don’t need to fall into this trap!

Here are some simple guidelines that will prevent you from becoming yet another consumer credit victim: 01 Control spending by knowing exactly where every dollar goes. Tracking your spending habits in detail periodically will enlighten you in ways that you never considered. While doing this on a monthly basis is not realistic, try to do this in detail for at least one month a year.

Helpful tip: If you and your spouse spend $3 per day on coffee, this totals $1,095 per year. Depending on your tax bracket, this amount could represent over $2,000 in pre-tax income. Is the free coffee at your office that bad?

02 Watch your liquidity closely.

Liquidity refers to your or your family’s ability to pay its short-term debt ­obligations. Watching what ­available funds you have to pay upcoming debt ­obligations is fundamental to avoiding credit problems.

Helpful tip: Think carefully before using purchase p ­ rograms that require no payments for a set period. If you can’t afford to pay for it now, should you buy it?

03 Develop a realistic budget and live by it always. A good budget must have specific financial goals with a clearly defined time horizon. Be sure to take into account all of your ­payments, including loans, utilities and dry cleaning. If you pay for it monthly, it should be allocated in your budget. You can’t be too detailed.

Most financially successful people are excellent financial planners. They have investment plans, loan repayment plans and a clear idea of how much time they need before they can purchase big-ticket consumer items.

Helpful tip: Also be sure to budget for some kind of treat on a periodic basis. All work and no play often results in failure.

While these rules seem fairly simple, they are a little like a diet – easy to start but tough to follow through. Despite popular opinion, material items will not bring you h ­ appiness.

While it may not seem like it today, forgoing that purchase to save for your child’s education (or your retirement) may make you feel a lot better in the long run (despite what the c­ ommercials may lead you to believe).

Until next time – happy home and mortgage ­hunting.

46 New home guide GTA | february 8 - 22, 2014

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

48 NEW HOME GUIDE GTA | FEBRUARY 8 - 22, 2014

Expert Advice//

Spend vs. Save » by Sara Duck

Paul Semkuley

interior stylist, is principal of Re:Source Lifestyles. He combines his love of art, fashion and design to offer a unique styling and design firm. Visit resourcelifestyles.com

J

ust bought a new home and on a tight budget?

Don’t fret! With expert advice from interior stylist Paul Semkuley, we show you where to spend and save for each room in your house.

Save: Emmie Spets Sheet Set in White. $45. Visit ikea.ca

Table Lamp. $70. Visit bouclair.com

Hemnes Three Drawer Chest in Gray-Brown. $150. Visit ikea.ca

Seagrass Block Headboard. $200-$390. Visit pier1.ca

Bedroom

Spend: Mattress and box spring Approx: $1,500 - $3,000

Although it is the least glamourous item to buy for the bedroom, it is the most important. A good mattress will make all the difference in getting your beauty sleep each night. “The mattress should last you at least 10 years,” says interior stylist Paul Semkuley.

“Especially when you purchase it with the coordinating box spring – as it absorbs up to 50 per cent of the body’s impact.” Semkuley also suggests getting comfy and cosy in store by laying on it like you would normally sleep, to see if the mattress is a right fit. Whether you prefer a mattress that is firm, made of organic material or one that comes with a pillow top for extra comfort, buy the best one you can afford.

Tip: Don’t try to save money by using an old foundation or box spring with your new mattress. A mattress paired with its new box spring work together for all around better support, and keeps the mattress in shape longer.

Fact: A study conducted in the U.S., Canada, Mexico, UK, Germany and Japan found that a comfortable sleep surface and cosy sheets and bedding were rated the most important romantic elements in all six countries.

february 8 - 22, 2014 | New home guide GTA 49

Kitchen

Save:

Spend: Free-Standing Range Approx: $2,000-$5,000

Gourmet Settings Non-Stop Flatware. $50 for 20-piece. Visit bedbathandbeyond.ca

Appliance shopping can be daunting – especially when you are deciding on a big purchase such as a free-standing range (hot plate on top, oven underneath). But this important appliance will make your cooking life easier if you spend a little more on a quality piece that is tailored to your needs.

“Having a gourmet range will make a huge statement in your kitchen. It will definitely add value to your home while you live there and especially if you plan to sell your home,” says Semkuley.

Tip: There are plenty of options when it comes to your range, such as gas, electric and induction. Determine which type of fuel you will use based on what you have available and your personal cooking preference.

Bodum Chambord Four Cup French Press with Locking Lid. $50. Visit thebay.com

Royal Doulton Gordon Ramsay Maze White Dinnerware. $100 for 16-piece. Visit bedbathandbeyond.ca

Fact: A study conducted by Visa Canada suggests 60 per cent of Canadians eat out once or more a week.

Living Room Spend: Sofa Approx: $3,500-$5,000

The living room is the main hub of any home. It’s where you will do most of your entertaining and it’s the place you will go to snuggle and watch movies together. It’s important, then, that you invest in a sofa that not only looks good, but is comfortable, durable and functional for your space.

Paying a little extra now, means a sofa that will last through the years. “When you have great bones in a sofa, you can always reupholster it, knowing that you will have the comfort that you have enjoyed for so many years,” says Semkuley.

50 New home guide GTA | february 8 - 22, 2014

Hamilton Beach 1.7L Dome Electric Kettle. $60. Visit thebay.com

Save: Sequined Striped Pillow. $49. Visit chapters.indigo.ca

Bendale Rug by Korhani Home. $134 for 5x7. Visit rona.ca

Save: Simply Fine Lenox Chirp Bath Ensemble. $50. Visit bedbathandbeyond.ca

Fiona Bath Towels in Coral. $14. Visit bedbathandbeyond.ca

The Beverly Mirror by Tangerine Mirror Co. $80 for 24 by 26-in. Visit homedepot.ca

Bathroom Spend: Vanity and Countertop Approx: $2,500-$4,000

You may think this is an odd pick to invest your money in, but the vanity is a key item for the bathroom. Don’t forget you will be using the vanity every day, multiple times, opening and closing doors and exposing it to moisture. “The most important need of the vanity must be function,” says Semkuley. “Spending more on cabinetry that is made of solid wood will last much longer in a “wet” environment, than those made of a pressed wood compound.”

Tip: Buy a vanity that is proportioned to your space. You may have room for a big vanity but little room for anything else.

Heritage Aged Iron Chandelier by Hampton Bay. $99. Visit homedepot.ca

Fact: In 1890, the Scott Paper Company manufactured toilet paper on a roll, much as we know it today.

Floor Lamp. $140. Visit bouclair.com

Box Frame Coffee Table in Mango Wood. $429. Visit westelm.com

Tip: When sofa shopping, look for a sturdy frame, one that does not wobble or creak but sits squarely on the floor.

Also, pay attention to fabric detail – you want a fabric that will wear well for every day use.

Fact: According to BBM Canada, the average Canadian adult watches 30 hours of television a week. february 8 - 22, 2014 | New home guide GTA 51

//In the news

Heathwood Homes offers first-time buyers’ program at

Hampshire Mews in Richmond Hill

Heathwood Homes has announced a unique first-time buyers financing program at its new Hampshire Mews community in Richmond Hill.

For qualified first-time homebuyers, the program offers these incentives: • Heathwood Homes will match the Land Transfer rebate of $2,000.

• Purchasers will pay no maintenance fees for two years (a $2,800 value).

• Heathwood Homes will contribute 20 per cent of the maximum RRSP amount purchasers can contribute towards their down payment under the Federal Governments Home Buyers’ Plan (HBP) – equal to $5,000.

• Purchasers can buy with only five per cent down payment.

In addition, Heathwood is working with its customers to fully utilize the benefits of the Home Buyers’ Plan. Depending on their personal tax rates and RRSP eligibility purchasers can receive refunds of $10,000 or more.

“At Heathwood Homes, we understand that homeownership is the dream of most Canadians,” says President Hugh Heron. “With this unique first-time buyers’ 52 New home guide GTA | february 8 - 22, 2014

program, we’ll help them transform their dream into reality at Hampshire Mews.

By entering the marketplace, they can experience the pride of owning their own home and build equity with their hard earned dollars. We’re very excited about introducing this offer.”

First-time buyers are urged to buy now to save, as the program incentives are available for a new home at Hampshire Mews if purchased prior to Feb. 28, 2014, the last day to make an RRSP contribution.

Bob Finnigan, COO Housing at The Heron Group of Companies, points out that the value at this community is enhanced by its environmental sustainability. “All 60 of the Urban Towns and Townhomes are being built to Heathwood Homes Green Home Energy Program standards and will be Energy Star, too!” he says.

“These involve combining Energy Star features with a wide range of additional green measures designed to lower utility bills, provide better air quality and make a real difference in keeping the planet healthy for generations to come.

Hampshire Mews is situated in a well-established neighbourhood on Yonge Street just north of Elgin Mills Road with transit literally at the door.

Shops, parks, schools, recreation centres, VIVA, GO Transit and major highways are all easily accessible. The Urban Towns start from just $449,900.

For more information, visit heathwood.com

BUY BEFORE FEBRUARY 28TH &

SAVE THOUSANDS

WITH HEATHWOOD’S EXCLUSIVE NEW

Here’s what you get…but ONLY if you buy before the end of February!

*

*

Heathwood gives 20% of the maximum RRSP contribution towards your down payment.*

Heathwood will match the provincial Land Transfer Tax rebate with an additional $2,000.

* For two full years -a $2,800 value*

and ONLY 5% total down payment.*

PLUS save $THOUSANDS$ more using the RRSP Home Buyer Plan*

Urban Towns Heathwood.com

Starting from

$449,900 RICHMOND HILL

Sales Office Hours Mon. to Thurs.: 9am – 8pm, Friday: Closed, Sat., Sun. & Hol.: 11am – 6pm

Prices and specifications are subject to change without notice. E. & O. E. ENERGY STAR® mark is administered by Natural Resources Canada. Renderings is artist’s concept.

SALES OFFICE

YORKLAND ST.

416-637-3520 *Available to qualified buyers only - See sales representative for details. Available until February 28th, 2014

SILVERWOOD AVE.

//money matters

RRSPs:

They’re not just for retirement anymore » by Gail vaz-oxlade With tax season just around the corner, you may be thinking about your RRSP contribution. There was a

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

time when the only thing an RRSP was used for was saving for retirement, but this is no longer the case.

These days, you can use your RRSP as a savings plan for a down payment on a home, among other things. It’s fair to say that the RRSP has become Canadians’ favourite savings account.

The problem with RRSPs being all things to all people is that its wider scope, its greater flexibility, its move from a hands-off-don’t-ever-touch-this-money retirement plan to a you-can-use-it-whenever-you-can-justify-it savings account is that the process of identifying your investment strategy has become more complex. Most people say they don’t have enough money to maximize their RRSP and set aside a non-registered emergency fund, which explains the overlap between retirement savings and other types of savings that take place within an RRSP.

The first question to ask yourself when choosing investments for your RRSP is, “When am I going to use this money?”

The first question to ask yourself when choosing investments for your RRSP is, “When am I going to use this money?” If you’re using a portion of your RRSP savings as your emergency fund, then keep that portion of the RRSP assets fairly liquid so you can access the money in an emergency. If you’re tapping into your RRSP to buy a home, you’ve got a short- to medium-term investment horizon and must choose investments that suit. So you’ll have to forgo equities in favour of a more-conservative investment portfolio.

Since you don’t have the time to wait out the bumps in the road that are part of the equity-investment experience, you have to settle for less return.

Being clear on how you plan to use your RRSP dollars is especially important when those dollars are being contributed to a spousal plan or the contributing spouse could find money withdrawn from that plan taxed in his or her hands. The rules for withdrawals from a spousal RRSP state that if money is 54 New home guide GTA | february 8 - 22, 2014

taken from a spousal plan within three calendar years of a contribution, that money could be taxable at the hands of the original contributor, defeating the original income-averaging strategy.

Make spousal contributions by the end of the calendar year as opposed to in the first 60 days of the new year, since spousal contributions are measured on a calendar-year basis. If you delay your contribution, you’ll end up extending the withdrawal period by another calendar year.

Perhaps the toughest part about using your RRSP for myriad purposes is keeping track of which of your RRSP dollars is for what. Here, consolidation may work against you. Instead, consider opening a separate RRSP for each of your purposes and file your statements based on what you’re trying to accomplish. Separate accounts will not only help you stay focused on the purpose for which you are saving, it will allow you to keep your time horizon in perspective.

While the money in your RRSP is yours and you decide how to spend it, don’t sacrifice your long-term goals for short-term ones. It’s easy to get focused on a single objective to the exclusion of all others. To be balanced, look at what you want your savings to do for you long-term, medium-term and shortterm. If you’re saving for a home, instead of putting this year’s total RRSP contribution into your “Home Ownership RRSP,” consider dividing it equally between home ownership and retirement. It will take a little longer to get into your dream home, but when you do, you won’t be behind in terms of retirement planning.

H E I G H T S

GRAND OPENING O F L U X U RY M O D E L H O M E S

H E I G H T S

50’ & 70’

LUXURY SINGLES FROM THE MID $800’s*

P H A S E 3 • EXCLUSIVE OFFER

30,000* IN FREE UPGRADES

$

THIS OFFER IS VALID UNTIL FEB. 28

SALES CENTRE HOURS

SALES CENTRES

Steeles Ave. West

Kennedy Rd.

Mississauga Rd.

Bovaird Dr. West Queen St. West

Hurontario St. / HWY 10

Monday - Thursday: 1 pm - 8 pm Friday: Closed Saturday, Sunday & Holidays: 11 am - 6 pm

410

PHASE 3

407 401

y o u r k i n g d o m.ca *Offer applies to Phase 3 product only. Some conditions may apply. See builder for details. Information is correct at press time. Specifications are subject to change without notice. All illustrations reflect artist impression. E. & O.E.

Located on MISSISSAUGA ROAD at Steeles Avenue just 3 blocks from HWY 407 in Brampton. This exclusive neighbourhood backs onto the Lionhead Golf Course, and is minutes from major highways and great amenities.

FEBRUARY 8 - 22, 2014 | NEW HOME GUIDE GTA 55

//legally speaking

The law of good faith (or the lack thereof) Âť by jayson schwarz

The Supreme Court of Canada has said that good faith is not a requirement by either side in the negotiation of a contract.

They went on to say that once the contract is signed there is an obligation to perform in good faith. What does this mean to you, the homebuyer?

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.

01 The most important thing to remember is that if it is not in writing, in the Agreement of Purchase and Sale, it is not binding on either side.

02 It does not matter what the agent says or promises (see 1 above).

03 It does not matter what is written in the brochure or advertised at the sales office (see 1 above).

04 Every Agreement should be reviewed by a lawyer who knows real estate before it is binding.

05 Only your lawyer has a legal, moral and ethical requirement to protect and put you first.

06 Every Agreement should be conditional on the lawyer’s review and the condition must be in writing, and keep it that simple. Some Agreements have condition clauses that are all mumbojumbo and do not let you really change anything. Also, make sure some time for review is allotted and sufficient.

Okay, the Agreement is signed, reviewed, amended and ready. Now what? The parties must thereafter act in good faith to complete the contract in accordance with the terms of the Agreement.

Remember, most builders and their sales people are honest, caring individuals who want to deliver a quality product. Just be careful not to bite into the bad apple in he bunch.

Happy home hunting!

The most important thing to remember is that if it is not in writing, in the Agreement of Purchase and Sale, it is not binding on either side.

56 New home guide GTA | february 8 - 22, 2014

BUYING, SELLING OR REFINANCING A HOME?

YOU NEED A LAWYER Quality legal services at the right price*

KONSTANTINE CHATZIDIMOS

JAYSON SCHWARZ

Helping YOU make your home buying dream a reality

Call

849

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For Free Offer Review

BRAMPTON

TORONTO

10 Wilkinson Rd. Unit 22., Brampton, Ontario L6T 5B1

1984 Yonge St.,Toronto, Ontario M4S 1Z7

OFFICE

OFFICE

905.455.5777 416.486.2040 Toll Free: 1.888.609.8888

Fax 905.452.8135

Toll Free: 1.888.609.8888

Fax 416.486.3325

www.schwarzlaw.ca

*Certain Terms and Conditions shall apply. Full disbursement disclosure.

//hot dates

feb 8-9

feb 8-9

Kuumba

High Tea at the Castle

Harbourfront Centre observes Black History Month every year with Kuumba, its annual three-day festival showcasing the best of artists of African heritage. Named after the Swahili word for “creativity,” the festival presents music, film, poetry and more celebrating the African Canadian community’s contribution to the arts. harbourfrontcentre.com

Liberty Group’s pastry team attempt to make a world record for the tallest tea cake stand during High Tea at Casa Loma. Thousands of pastries and finger sandwiches will be part of the 3.5-metre display. Enjoy some of the creations with gourmet teas in the castle’s Great Hall while the chefs compile the tea cake stand nearby. Guests receive a gift bag that includes a commemorative postcard and a sampling of chocolates and teas. casaloma.org

harbourfront centre

Feb 8 to 22 Calendar of events beginning from Feb. 8 to 22, 2014

58 New home guide GTA | february 8 - 22, 2014

feb 8-9

Toronto Sportsmen's Show

direct energy centre

Toronto Sportsmen’s Show is back, showcasing outdoor sports. This years event features a an All Star Dog Show, a Fish TV Trout Pond, an Adventure Zone with an indoor mountain range, and rafting ride, and the Antique Outboard, a display of historic boat motors from the 1920s to '50s.

Toronto Sportmen’s Show also features over 300 exhibitors for outdoor sports, including Boastsmart!

Canada, Canadian Tire, Excalibur Cross Bow, Land O’ Lakes Lodge, Paintball Village and more. torontosportshow.ca

casa loma

feb 11-16

Toronto Black Film Festival Tiff bell lightbox

The Toronto Black Film Festival (TBFF) returns for its second edition featuring even more films than the first.

As a part of Black History Month, this film festival celebrates Black films from around the world and creating a space to discuss cultural and socio-economic issues that effect everyone. The films presented will be independent features from around the world, offered a platform to reach audiences they often don’t receive. torontoblackfilm.com

February 8 - 22, 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

r

RD

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

nD orto

Galloway Rd

K

rlet

8

Main St

Gerard St

6

5

41

ev

Manse Rd

J

Keele St.

10

50

Logan Ave.

Danforth Ave.

4

St Clair Ave E

25

Eglinton Ave E

Brim

Progress Ave

Lawrence Ave E

88

cL

M

16

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

Yonge St.

57

Don Valley Pkwy

QEW

28

Avenue Rd Bloor St.

Cosburn Ave

O'Connor Dr.

43

Woodbine Ave

Queensway

Dupont St.

2

Laird Dr

20

8

Dufferin St

Davenport Rd.

Rd

Pharmacy Rd Victoria Park

Dundas St W

Sca

an

Warden Ave

5

Allen Expressway

gh

Ave E

401

15

Sheppard Ave E Milner Ave

14

McCowan Rd

St Clair Ave.

Dufferin St

Va u

Leslie St Eglinton

38

Ellesmere Rd

5

Huntingwood Dr

Finch Ave E

Birchmount Rd

80 Rogers Rd

Bathurst St

Eglinton Ave W

Rd

Rd

11

y Pkwy

Eglinton Ave W

d Briar Hill Ave

13 Steeles Ave.

McNicoll Ave

12

Brimley Rd

Bloor St W

ay

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 $500,000

39 5F

IMPRESSIONS

905-893-9500

•

• •

from $515,000

25, 39 & Insert 5F

Paradise Homes

IMPRESSIONS

impressionskleinburg.com •

• •

from $490,000

39 5F

10

Fieldgate Homes

90 Niagara

90niagara.com

•

•

from $350,000

Insert 7H

86

Menkes

Humber Mews

menkes.com

•

from $480,000

6-7 3I

86

Menkes

Dwell city town

416-259-2525

•

from $350,000

6-7 3I

87

Menkes

Bloom Park Towns

416-730-1600

•

from $320,000

6-7 8B

1

Batavia Homes

Goddard on the valley

416-630-5039

•

•

from $650,000

7B

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

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

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

Huntington

K

Steeles Ave W

ence

J

7

Clar

e

Kipling Av

St

42

Isl on

I

t ing 48

2

21

6

40

18

Major Mackenzie

Cr

Langstaff Rd

3 46

400

4

24

54 27

Weston Rd

H

Teston Rd

8

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

Dufferin St

F

1

5

Kirby Rd

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

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

47 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

43 9F

44

Madison Homes

Thornhill Ravines

905-417-1203

•

from $1100,000

35 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

•

from $550,000

IFC 6D

16 Fieldgate Homes

Jefferson Forest

905-884-8017

•

•

from $563,000

25 & 41 4H

27 Acorn Homes

Oak Knoll

905-773-9257

•

from $615,000

79 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

14 Arista Homes

Jefferson Forest

LiveAtJeffersonForest.com •

•

from $560,000

4H

15 Madison Homes

Jefferson Forest

LiveAtJeffersonForest.com •

•

from $560,000

4H

15 Forest Hill Homes

Jefferson Forest

LiveAtJeffersonForest.com •

•

from $560,000

4H

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 rchhu c e t i e Wh ffvill Stou

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 $570,000

19, 25 & Insert 5G

4

Arista Homes

The New U

905-534-1564

•

• •

from $550,000

19 5G

4

Paradise Homes

The New U

905-477-0317

•

• •

from $550,000

19 5G

4

Starlane Home Corporation The New U

905-534-0493

•

• •

from $550,000

19 5G

5

Treasure Hill Homes

Accolades in Markham

treasurehill.com

20 6F

6

Primont Homes

Heirloom in Markham

905-201-2804

• •

from $400,000

12-13 7f

9

Brookfield Homes

The Arbors

AuroraBrookfield.ca •

from $500,000

17 14F

11 Madison Homes

Greensborough

madisonhomes.ca •

•

35 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

11 & 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 $704,000

Insert & 25 6G

59 Primont Homes

Harmony

905-305-8871

•

from $560,000

12-13 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

2

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

•

•

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

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

11

15

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

11

s Dr

J

72

58

40

Tosorontio Everett

90 48 Lisle 44 Angus

Sunnidale

Vespra

400

6

Orillia

11

10

n Vetera

I

H

G

1

43 34 39

Wasaga Beach

93

69

9

Bracebridge

8

St

24

60 41

27

27

Tay

69

400

7

irv

F

24

6

Huron Rd

iew

3

Midland

5

Fa

E

4

t

Thornbury

Georgian Bay

3

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 $780,000

IFC 7k

•

58 Lakeview Homes

Greenbrook Village

519-306-0665

from $280,000

18 3I

65 Brookfield Homes

Willow Glen Tottenham

BrookfieldTottenham.ca

•

from $300,000

16 7J

71 Briarwood Homes

Mill Street Village

1-855-232-8100

• •

from $293,000

83 7J

71 Ballymore Homes

Mill Street Village

1-855-232-8100

• •

from $293,000

83 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

3

Losani Homes

Summit Shores

losanihomes.com/readybuilt

from $390,000

2E

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

6I

44 RAYMAC Homes

Brennan Enclave

705-516-0681

•

from $252,000

6G

44 Brookfield Homes

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

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

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

6I

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Tel 905-558-0255

north region:

Site King Country Estates

Fi Map nd er

Builder

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

# Si te IFC-Inside front cover

14 Aspen Ridge Homes

69

//In the news

Two Men and a Truck –

Canada’s names Barrie’s Dan Brohm 2013 Franchisee of the Year winner

For the second year in a row, Two Men and a Truck – Canada’s Franchisee of the Year winner is Dan Brohm of the Barrie and Central Ontario franchise.

Brohm has been recognized “as a role model by his peers for embodying the values that define a Two Men and a Truck franchisee, and always putting the customer first,” says Two Men and a Truck – Canada President John Prittie.

In three other categories, Two Men and a Truck – Canada’s Ottawa West franchisee Lyne Vincent won the Highest In Customer Satisfaction award; John Bailey’s Toronto downtown franchise garnered the Highest Customer Referral Rating award; and Wendell Costello’s Halton facility won the Highest Annual Revenue award.

Trained in AED and CPR, Two Men And A Truck – Canada’s, Barrie & Central Ontario franchisee (2013 Franchisee of the Year) Dan Brohm with his MIKEY defibrillator.

70 New home guide GTA | february 8 - 22, 2014

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.

//community focus

The Arbors coming soon to Aurora by Brookfield Residential

Location Aurora Housing Type Detached homes on 30-, 36- and 43-ft. homesites priced from the $500’s Contact brookfieldhomes.ca

72 New home guide GTA | february 8 - 22, 2014

R

egistrations are pouring in for The Arbors in Aurora, Brookfield Residential’s breathtaking new home community coming this spring.

Discover luxury and value in this fresh collection of detached homes on 30-, 36- and 43-ft. homesites priced from the $500’s. Master-planned with remarkable beauty and prestige to make the most of its beautiful and protected woodlot surroundings, The Arbors is situated on Leslie Street, north of Wellington Street, in the heart of Aurora. Perched at the end of a secluded forest path, the home collection will grace picturesque streetscapes, and residents will enjoy having several parks and a trail system right in the neighbourhood.

BROOKFIELD RESIDENTIAL | The Arbors

Buyers will also enjoy peace-of-mind, with Brookfield at the helm of their new home community. Brookfield Residential has built more than 25,000 homes in Ontario since 1956.

All of this is only minutes to a wealth of local amenities including grocery stores, banks, daycare, retail shopping, schools and restaurants to satisfy a variety of tastes. For commuters, Hwy. 404 and the GO Train are just down the road. Those who purchase in the first phase will find many home choices that back onto protected woodlot land, with an existing tree line providing privacy.

Travel along a secluded forest path and emerge into this vibrant community of homes on picturesque streetscapes. Brookfield’s home designs feature stunning combinations of brick and stone facades, peaked gables, carriage-inspired garage doors and sheltered porches. Fine features and finishes create awe-inspiring interiors and enhance the contemporary, open-concept layouts designed with busy families in mind.

Buyers will also enjoy peace-of-mind, with Brookfield at the helm of their new home community. Brookfield Residential has built more than 25,000 homes in Ontario since 1956. The company’s ongoing commitment to quality and customer service has resulted in several highly coveted industry recognitions including the J.D. Power and Associates Award for Highest in Customer Satisfaction and Ontario Builder of the Year from OHBA and Tarion.

To find out more about The Arbors in Aurora, visit brookfieldhomes.ca or search f or Brookfield Homes Ontario on Facebook. You can see renderings of both the interiors and exteriors of these elegant homes. Register now for priority information, community updates and to receive your invitation to the exciting Preview Opening. That’s brookfieldhomes.ca february 8 - 22, 2014 | New home guide GTA 73

//In the news

Analysis of 2013 new-home market reveals low supply, high price gap and a road to recovery A strategic review of the GTA’s 2013 new-home market conducted by RealNet Canada Inc. and the Building Industry and Land Development Association (BILD) reveals near 10-year low levels of new home supply and sales and a near-record high price

“Our analysis of the 2013 housing market data suggests growing evidence that a recovery is underway,” says Carras. The company’s Strategic Review shows monthly sales data collected for the total new-home sales in December pointed to a fifth consecutive month of improved year-overyear results. “New home sales in December 2013 totaled 1,711, up 79 per cent from the previous year,” adds Carras.

gap between lowrise and highrise homes, but monthly sales results that suggest a market in the early stages of recovery.

“In a market where the supply of new homes must precede sales, a lack of product, obviously, results in a lack of sales,” says George Carras, president of RealNet Canada Inc. “Simply put, you can’t sell what you don’t have. Our study of the 2013 housing market proved lower supply in the highrise sector due to greater developer discipline, and declines in lowrise supply caused by structural restrictions imposed on the market by government intensification policies.”

Among the 2013 figures released in the Strategic Review, RealNet confirmed that 2013 saw the second-lowest number of total sales for the decade, at 28,406. This sales total, which reflects 16,201 highrise units sold and 12,205 lowrise sales, was down 23 per cent from the 10-year industry average, and down 13 per cent year over year.

The near-record low number of sales in 2013 was driven by a dramatic slowdown in the number of units introduced to the market. The year saw only 30,054 new units (12,256 lowrise and 17,798 highrise) brought to market, a 22-per-cent reduction year over year, and the second-lowest level of new supply in the last 10 years.

“The GTA remains challenged by constrained land supply and an outdated development approvals process which delays the introduction of new inventory into the market,” says Bryan Tuckey, president and CEO of BILD. “Sales of new homes today will define the jobs of tomorrow, and now is the time for the industry, consumers and government to watch the market, and watch it carefully.”

Among the conditions identified in the report, 2013 sales totals show that more than half, or 57 per cent, of all newhome sales in the GTA were highrise, however the total ...continued on pg 76

74 New home guide GTA | february 8 - 22, 2014

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//In the news...continued

number of highrise units sold was down 13 per cent from 2012, and off 11 per cent from the 10-year average. The 2013 condominium sector also saw average unit sizes reduced by one per cent, to 796 sq. ft., and average unit prices climb by 1.1 per cent to $548 per sq. ft.

The 12,205 lowrise homes sold in 2013 represented the second-lowest total in the last decade, with just two sales more than was recorded in the industry’s nadir of 2008, and 12 per cent from 2012.

Last year’s lowrise sales figures were down 34 per cent from the 10-year average.

The 2013 Strategic Review also confirmed the widening gap between lowrise and highrise pricing, a worrisome trend first identified by RealNet and BILD last year.

Prior to 2011, the average gap in prices between singlefamily and multi-unit housing was $75,806.

In 2013 the price gap grew to a record $226,016 in September and ended the year at $217,583, a condition Carras calls “extreme.”

“This price gap between highrise and lowrise housing is continuing to grow, a market condition that is the result of intensification policies in action,” says Carras. The Strategic Review’s pricing data analysis shows that the Lowrise Price Index was $654,147, up nearly 3.5 per cent from last year, while the Highrise Price Index only climbed by 0.1 per cent year over year, to $436,564.

“In today’s market, prices for the types of homes we are building less of (lowrise) are rising, while prices for the more prevalent housing type (highrise) remains flat,” says Carras.

“The numbers demonstrate that highrise development has become the market’s last, best hope for new-home affordability in the GTA.” Tuckey adds that there are other factors impacting the industry’s ability to deliver homes that people can afford, noting that, “BILD and the Ontario Home Builders’ Association made a submission to the Ontario government advocating for a land-use planning system as well as the development charges system that provides an opportunity to consider streamlining improvements and ensure that municipalities are implementing provincial policy, while enhancing accountability and transparency.”

76 New home guide GTA | february 8 - 22, 2014

“ In today’s market, prices for the types of homes we are building less of (lowrise) are rising, while prices for the more prevalent housing type (highrise) remains flat,” says Carras.

“The numbers demonstrate that highrise development has become the market’s last, best hope for new-home affordability in the GTA.”

While 2013 proved to be a challenging year with forces contributing to low inventory levels, price increases and fewer product launches, the RealNet Strategic Review does show some positive signs for the sector’s near future.

“Our analysis of the 2013 housing market data suggests growing evidence that a recovery is underway,” says Carras.

The company’s Strategic Review shows monthly sales data collected for the total new-home sales in December pointed to a fifth consecutive month of improved year-over-year results. “New home sales in December 2013 totaled 1,711, up 79 per cent from the previous year,” adds Carras.

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FEBRUARY 8 - 22, 2014 | NEW HOME GUIDE GTA 79

//tax time tips

Tax tips for the homebuyer Tax credits to ease the pain of this big-ticket purchase Buying a home is a big investment and a financial commitment – especially as a first-time homebuyer.

Many first-time homebuyers are generally recovering from the first year of moving into their dream home, and all the associated fees, unanticipated closing costs and expenses to maintain the home.

The Home Buyers’ Plan (HBP) is a program that allows you to withdraw up to $25,000 from your Registered Retirement Savings Plan (RRSP) to buy a qualifying home for yourself or for a related person with a disability

There are a couple of tax credits that homeowners should be aware of when filing their 2013 tax returns.

The Home Buyers’ Plan (HBP) is a program that allows you to withdraw up to $25,000 from your Registered Retirement Savings Plan (RRSP) to buy a qualifying home for yourself or for a related person with a disability.

RRSPs aren’t just for retirement anymore. This plan lets first-time homebuyers access their retirement savings tax-free, to increase their down payment and decrease their mortgage amount – and interest paid.

The HBP withdrawal limit is $25,000 – tax-free – for each you and your spouse, for a combined total of up to $50,000 toward your down payment or other home-purchase related costs.

In order to take advantage of this plan, your RRSP contributions must remain in the RRSP for at least 90 days before you can withdraw them under the HBP. Generally, you will be required to repay all the withdrawals to your RRSPs within a period 15 years to avoid paying tax on that sum. You will have to repay an amount to your RRSP each year until your HBP balance is zero. If you do not repay the amount due for a year, that amount will have to be included in your income for that year, and you will be taxed. ...continued on pg 82

80 New home guide GTA | february 8 - 22, 2014

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//tax time tips...continued

The HBTC is a federal tax credit available to qualified first-time homebuyers or homeowners who have not owned a home in the previous four years

The Homebuyer’s Tax Credit (HBTC) is a federal tax credit of up to $750 is available to qualified first-time homebuyers or homeowners who have not owned a home in the previous four years. This tax credit was introduced in 2009 to ease the burden of closing costs for first-time buyers.

Do you qualify for the HBTC?

» Neither you, your spouse or common-law partner may have lived in a house that either of you owned in the year of purchase or any of the four preceding years. » If you are a person with a disability or are buying a house for a relative with a disability, you don’t have to be a first-time homebuyer to qualify. However, the home must be purchased to allow the person with a disability to live in a more accessible dwelling or in an environment better suited to their needs and care. » A qualifying home is a housing unit located in Canada that already exists or is being built. » A share in a co-operative housing corporation that entitles you to possess, and that gives you an equity interest in a housing unit located in Canada, also qualifies. However, a share that only provides you with a right to tenancy in the housing unit does not qualify.

82 New home guide GTA | february 8 - 22, 2014

Why the Home Buyers’ Tax Credit is good for Canada The federal government introduced the HBTC to give Canadians some much-needed tax relief.

As part of the Government of Canada’s $62-billion economic stimulus announced in the Economic Action Plan, first-time homebuyers can get this non-refundable tax credit to help offset legal fees, disbursements and land transfer taxes.

People with disabilities who move to a more accessible home may also qualify for the tax credit.

The HBTC makes it a little easier to make one of the largest purchases of our lives – a new home.

For more information and tax tips, visit online at cra-arc.gc.ca

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newhomeguide.ca For your free copy please call 416.626.4889 84 NEW HOME GUIDE GTA | FEBRUARY 8 - 22, 2014

February 8 - 22, 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

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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

Fi M ap nd er

20

Forest Hill Homes

Derry Village Mississauga

905-795-8307

•

1

Vandyk Communities

Windows on the Green

vandykcommunities.com

• from $300,000

5H

2

Amacon

The Towns at Parkside Village

705-435-9991

•

from $550,000

8F

3

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

Site

Tel

Price Range

from $520,000

Page No.

97 8B

Mississauga

Builder

west region:

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

# Si te IBC-Inside back cover

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Treasure Hill Homes

Vales of the Humber Estates

8 8 9

Page No.

• •

from $350,000

1 7M

valesofthehumber.com

•

from $620,000

21 & 45 10N

Starlane Home Corporation Vales of the Humber Estates

valesofthehumber.com

•

from $620,000

45 10N

Greenpark Homes

Vales of the Humber Estates

valesofthehumber.com

•

from $620,000

45 10N

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

• • from $364,000

8-9 6P

Lotus Pointe Caledon

LotusPointeCaledon.ca

•

29 5L

11 Starlane Home Corporation Lotus Pointe Caledon

LotusPointeCaledon.ca

•

11 Rosehaven Homes

Lotus Pointe Caledon

LotusPointeCaledon.ca •

11 Fieldgate Homes

Lotus Pointe Caledon

LotusPointeCaledon.ca •

•

21 Primont Homes

Centretown

905-495-5067

•

• •

from $356,000

12-13 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

12-13 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

1

Tribute Communities

Landscapes

905-893-3331

• •

from $399,000

8M

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

mattamyhomes.com •

• • from $255,000

6P

Mount Pleasant Village

•

•

•

29 5L

29 5L

25 & 29 5L

10 Starlane Home Corporation Mount Pleasant Meadows

meadowsbrampton.com

•

6O

10 Valery Homes

Mount Pleasant Meadows

meadowsbrampton.com

•

6O

12 Great Gulf Homes

Westfield

905-459-5772

•

from $479,000

7Q

17 Pemberton Group

Rosedale Village Golf & Country Club

905-799-5000

•

• • • from $190,000

18 Saberwood Homes

Heart Lake Village

905-773-6549

8N

19 Mattamy Homes

Salisbury Square

mattamyhomes.com •

•

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

acornhomes.ca

51 Acorn Homes

Castlegate

•

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

•

$509,000

6P

Brampton, Caledon, Bolton

8

Price Range

•

west region:

Tel 905-230-2592

11 Greenpark Homes

IFC-Inside front cover; IBC-Inside back cover

Site Mayfield Village

Fi Map nd er

Builder

Aspen Ridge Homes

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3

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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

ay

Rd

401

el

ph

w

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2

43

Stoney Creek

7

Grimsby 44 37

36

35

St. Catharines

Niagara 420

20

Price Range

Page No.

•

from $350,000

18 12R

•

from $300,000

BC 9G

•

from $420,000

6-7 9C

Cannery Park

1800-565-5150

17 Mattamy Homes

Hawthorne Village

mattamyhomes.com

33 Menkes

The Enclaves of Upper Canada

289-891-9103

•

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

•

•

from $441,000 8h

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

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

38 Losani Homes

Ancaster Glen

289-239-7629

from $370,000 1P

39 Losani Homes

The Fairgrounds

289-286-0928

from $250,000 2Q

40 Losani Homes

Greenhill Glen

905-538-8752

from $270,000 4Q

41 Losani Homes

Sherman Oaks

905-574-0828

from $290,000 2R

42 Losani Homes

Paramount

905-560-2061

from $230,000 3R

43 Losani Homes

Orchard Park

905-930-9943

from $390,000 5Q

44 Losani Homes

Discovery

905-563-0666

from $330,000 8R

•

from $305,000 12Q

from $250,000 7M

• from $180,000 11l

Acton, Halton Hills, Milton, Burlington, Waterdown

Tel

west region:

Lakeview Homes

Site

Fi Map nd er

7

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

2

3

4

5

6

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10

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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

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

s Rd

Myer

St

13

Page No.

2

Treasure Hill Homes

Nautica at Lakeshore Woods

treasurehill.com

•

from $550,000

21 6J

3

Markay Homes

Bronte Park Town Manors

416-746-1234

•

from $590,000

99 3G

15

Menkes

Millstone On The Park

905-825-3619

•

from $320,000

6-7 3G

Mattamy Homes

The Preserve

mattamyhomes.com •

•

from $900,000

1

4E

Oakville, Cambridge

Price Range

west region:

Tel

Fi M ap nd er

Site

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

# Si te

Builder

93

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//In the news

Saving for retirement outranks reducing debt in 2014 for Canadians: RBC poll

Reversing last year’s rankings, more Canadians are citing saving for retirement as a top financial priority compared to those who are prioritizing paying off debt, according to the 24th Annual RBC RRSP Poll.

More than half (52 per cent) are now focusing on increasing their retirement savings, with 48 per cent placing a priority on debt reduction, compared to 44 per cent and 54 per cent respectively in last year’s poll. This reversal of financial priorities is even more marked among middle-aged Canadians – those 35 to 54 years old – with almost two-thirds (62 per cent versus 52 per cent last year) focusing on saving for retirement ahead of reducing debt (52 per cent versus 56 per cent).

98 New home guide GTA | february 8 - 22, 2014

“These findings indicate 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,” says Bill Hill, national retirement planning consultant, RBC. “To help ensure those savings will support the retirement they have in mind, we recommend they review their lifestyle and financial goals with a financial advisor as early as possible.”

The annual RBC poll also found that RRSP ownership among those aged 35 to 54 has jumped to 68 per cent from last year’s 58 per cent. In addition, one-quarter (26 per cent) of middle-aged Canadians has determined they will need to save, on average, $545,000 for a comfortable retirement.

“This is the age group that needs to be planning now for the lifestyle they want to have in retirement,” Hill says. “As Canadians who have already retired know, there is so much more to your retirement years than just the money you think you’ll need. The beginning of each new year is a good time to sit down with a financial advisor to explore all aspects of a successful retirement – you may well find you have more options than you are aware of today.”

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FEBRUARY 8 - 22, 2014 | NEW HOME GUIDE GTA 99

I BUILD DREAMS. “From my roots as a small custom home builder, to the VP of a non-profit builder, the same tenants hold true, professionalism, and giving back to the industry. These are the cornerstones to being a reputable professional and certainly hold true for my fellow members. Through BILD, I have opportunities to tackle the housing affordability challenge and network with like minded professionals.�

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February 8 - 22, 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.

Bloor St

Gibb St

Wentworth St

King St W Bond St W

52 91 14

401

Adelaide Ave

Manning Rd

Phillip Murr

King S

Adelaide Ave

29

17

Rossland Rd

38

47 Bayly St E

44 48 401

42 45

Westney Rd S

401

Granite Court

6

Spruce Hill

ou nt

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

K

J

I

H

G

F

E

D

C

B

A

D

Kingston Rd

30

Magill 92Dr

28

Church St S

15

Rossland Rd

9

Delaney Dr

41 Rossland Rd

Lak

a

ew

riv

eD

Riverside

3 Concession

Pickering Beach Rd

Sheppard Ave

Altona Rd

Shoal Point Rd

Finley Ave

51

32 Sideline

Ajax-Whitby

Harwood Ave

Finch Ave

32 Sideline

Bv

Rosebank Rd

4 Concession

North Rd

McQuay

Liverpool Rd

Whites Rd

North Rd

Gordon St

Cochrane St

To wn of Ajax

43 90

4 Concession

5 Concession

7

Brock Rd

1

30 Sideline

City of Pickering

7 Conncession

9 Concession

2

28 Sideline

Brock St S Henry St

54 66

Ravenscroft

16 Sideline

Whitevale Rd

5 4 3

24 Sideline

Blair St

7

7

16

Taunton Rd W

23

4

Taunton Rd E

Westney Rd N

Church St N

20 Sideline

Olive Ave

Beatrice St

55 Taunton Rd W

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

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

21

1

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

102

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

Page No.

4

Menkes

Somerset

905-428-0500

•

from $520,000

6-7 7G

8

Lakeview Homes

The Forest of Lyndebrook

416-746-1234

•

from $490,000

18 10F

1

Tribute Communities

Charing Cross

mytribute.ca

•

from $350,000 14E

2

Brookfield Homes

Hills of Harrowsmith

905-697-1681

•

from $300,000 15G

3

Great Gulf Homes

Stonecrest

greatgulf.com

•

•

from $298,000 15F

6

Emery Homes

Town Central

1-877-953-6379

•

from $350,000 4J

7

Highmark Homes

Triumph

whitbytriumph.ca •

from $350,000 10G

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

90 LeBovic Homes

Old Taunton in Pickering

905-428-3434

•

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

• • 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

103

Mill St

Parkhill Rd.

7B

7

Peterborough

7

24 16

t.

rS

te Wa

7

134

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

Courtice

King St.

Port Perry

Hwy #7

Kent St

8

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

Port 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

.

28

115

9 31 Lansdowne Ave.

7A

7

35

28

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

Colborne St

35

7

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

104 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

105

//community focus

Grand finale at Menkes’ award-winning Somerset community in Ajax

Move in this spring!

Location Ajax Housing Type Bungalofts and two-storey homes on 37- and 42-ft. lots from the low $500’s Sales centre Southeast corner of Salem Road and Williamson Drive East, just north of Rossland Road and South of Taunton Road, open Monday and Tuesdays from 1 to 8 p.m., Wednesday and Thursday by appointment, closed Fridays and open Saturdays and holidays from 11 a.m. to 6 p.m. and Sundays from noon to 6 p.m.

Contact 905.428.0500 menkes.com

M

enkes has just released the final lots in Somerset and after hundreds of new homeowners and a warm sense of community; the grand finale is upon us. The master-planned community has been widely appreciated for its brilliant planning and masterful design, maintaining a pleasant and cosy atmosphere with lovely streetscapes featuring a wide variety of home styles and designs. Charming streets lined with trees and green spaces keep residents connected by creating the atmosphere of a small-town Canadian community within a larger and amenity-rich area.

The celebrated Somerset community was recently awarded the highly coveted Community of the Year at the Durham Region Home Builders Association Awards of Excellence. In addition, Menkes was thrilled to take home the award for Best Interior Decorated Model Home. The home deemed to be the finest in all of Durham Region is the breath-taking Alabaster model at Menkes’ award-winning Somerset community.

A major attraction within walking distance of the community is Somerset Plaza, a dynamic shopping destination by Menkes featuring a 50,000-sq.-ft. Metro grocery store, a large-format Shoppers Drug Mart, a TD Canada Trust with drive-thru instant

106 New home guide GTA | february 8 - 22, 2014

MENKES | Somerset

tellers, an LCBO and more. Other lifestyle amenities a short drive away include the Durham Centre and the McLean Community Centre.

With Somerset’s spectacular designs and ideal location, it’s no wonder this community has been such a huge success. Now in its final stages, there are a limited number of lots still available for spring 2014 closings. Thirty-seven- and 42-ft. designs are priced from the low $500’s and include a bonus of up to $25,000 in upgrades. The stunning Amber bungaloft and corner Alabaster two-storey model homes are now for sale, so stop by to take advantage of the opportunity to own a fully upgraded, designer decorated model home!

Visit the Somerset Model Homes and Sales Office, located at the southeast corner of Salem Road and Williamson Drive East, just north of Rossland Road and South of Taunton Road, Monday and Tuesdays from 1 to 8 p.m., Wednesday and Thursday by appointment, closed Fridays and open Saturdays and holidays from 11 a.m. to 6 p.m. and Sundays from noon to 6 p.m.

Founded 60 years ago, Menkes has established a long history of success on the pillars of building to the highest quality and craftsmanship, utilizing efficient spaceenhancing design and offering sophisticated appointments that provide lasting value and a timeless sense of style.

For more information, please call 905.428.0500 or visit the website at menkes.com

february 8 - 22, 2014 | New home guide GTA 107

//In the news

Paying down debt the top financial priority for Canadians in 2014: CIBC

A new poll from CIBC by Harris/ Decima finds that paying down debt remains the top priority for Canadians in 2014, the fourth year in a row that debt concerns have topped the list in the annual survey. Poll results also show that immediate financial concerns including managing day-to-day spending and paying the bills have become more important to Canadians in recent years at the expense of longer term goals like retirement planning.

Over the last four years of this CIBC poll, Canadians identified the following as their top financial priorities:

2014 2013 2012 2011 Paying Down Debt

16%

17% 17% 14%

Building Savings

11%

10% 10% 10%

Managing Day-to-Day Spending / Budgeting

8%

8%

14% 12%

Paying Bills / Getting By

8%

7%

3%

Retirement Planning

7%

7%

11% 13%

--

”For the fourth year in a row, Canadians have told us their top financial priority is paying down their debt as we enter a new year,” says Christina Kramer, executive vice-president, retail distribution and channel strategy, CIBC. “While the intent to reduce debt is clear, we also know that some Canadians are not yet making the progress they want to on reducing their overall debt levels, which speaks to the importance of having a clear action plan in place to reach your goals in 2014.”

Poll findings also revealed that less than half (47 per cent) of Canadians surveyed said they had met with an advisor in the last year. As well, out of those surveyed only six per cent named debt management as a topic of a conversation they would have with an advisor. Kramer noted that while

108 New home guide GTA | february 8 - 22, 2014

the intention to pay down debt remains strong, it can be challenging if you don’t have a plan in place.

“Despite being top of mind for 2014, many Canadians don’t think about sitting down with an advisor and having a conversation about how to reduce their debt,” says Kramer. “Trying to do-it-yourself can work for some people, but most Canadians would benefit from taking a broader view of their finances with an advisor including looking at their debt, and then working out a realistic plan to start repaying that debt over time.”

This year’s poll results also show a continued trend towards short term financial goals and issues becoming more important to Canadians, while longer term goals including retirement planning have dropped in the rankings.

For example, while retirement planning was named by 13 per cent of Canadians as their top financial priority entering 2011, it is now seven per cent entering 2014.

Conversely, “paying the bills” has grown steadily since 2011, and was named by eight per cent of Canadians in this year’s survey as their priority for the year ahead.

“Managing cash flow and expenses are immediate issues, but you also can’t put off your retirement planning indefinitely,” says Kramer. “The good news is that if you start early you can take small steps towards building your retirement savings while also focusing on your current financial needs.”

Advice on delivering on financial priorities

»T alk to an advisor: Most Canadians don’t think about making debt reduction the topic of a conversation with an advisor, but it can help you make progress on paying down debt by looking at your overall financial picture and putting realistic steps in place to reduce interest costs and accelerate debt repayment. » Recognize that your finances are all connected: Making progress on one aspect of your financial goals can lead to an opportunity to improve in others, meaning you don’t have to focus on just one priority at a time. For example, a reduction in debt can free up funds to go towards retirement savings, or to further accelerate debt reduction. Renewing your mortgage at a lower interest rate can generate an improvement in cash flow that can be used to start making RRSP contributions earlier in life which can grow over time. » Don’t lose sight of the longer term: While it is important to address immediate financial needs such as debt reduction, it is equally important to keep future goals such as retirement in sight. Even small contributions today can make it easier in future years to reach your retirement savings goals. » Stick to your plan: Once you have a plan in place, stick to it. If you fall off track, get back to your plan as soon as possible and keep making progress towards your goal.

Now you can view all New Home Guide magazines online using any smartphone, tablet or desktop device.

VIEW OUR MAGAZINES ON ANY

DIGITAL DEVICE anytime, anywhere!

Published by

NEWHOMEGUIDE.CA

FEBRUARY 8 - 22, 2014 | NEW HOME GUIDE GTA 109

Model Home Photo Compliments of FarSight Homes www.farsight.ca

The multi-award winning Trillium Model at FarSight Homes’ Greenfields neighbourhood in Alliston.

FEBRUARY2014 FarSight Homes has been featured as “MODEL HOME OF THE MONTH” as seen in the New Home Guide model home calendar

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

february 8 - 22, 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 | february 8 - 22, 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

10.05

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

10.33 10.63 10.77 10.92

11.06

11.22

11.36

11.52

11.66

11.82

5.19

5.34 5.49

5.64 5.79 5.95

6.11

6.26 6.42

6.59

6.75

7.25

8.59

7.95

8.74

7.47

7.79

8.12

8.86

8.28

9.20

8.62

9.52

8.95

9.05

9.36 9.68

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

7.16

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 february 8 - 22, 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 2.99 3.39

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 4 3.14 3.04 3.85 4.64

6.30op 6.30op Bank of Nova Scotia 2.6 4.55 3.75 2.79 3.99 4.39

6.45op 6.50op Canadian Western Bank 4 3.14 3.14 3.85 4.64

6.45op 6.30op CFF Bank 3.69 3.75 3.79 3.79 CIBC 3 3.09 2.79 2.99 3.39

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 2.7 4.45 3 3.05 3.1 3.4

4.00op National Bank n/a 4.4 3.14 3.14 3.95 4.64

6.70op 6.70op President’s Choice Finan 3 3.24 3.59 3.69 Royal Bank 3 3.14 3.04 3.75 3.39

6.30op 6.30op TD Canada Trust 3 3.09 2.89 3.75 4.64

6.30op

5 years 3.69 3.59 3.69 3.49 5.24 3.69 3.69 3.69 3.89 4.09 3.59 5.24 4.09 3.69 3.69

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

Home Trust Company 2.6 Investors Group Trust n/a

MTCC 2.6

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 3.9 4.64 6.30op 3.75 2.79 3.99 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 2.65

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 2.69 2.99 3.39 3.09 3.14 3.29 3.34 6.34op 3.14 3.14 3.95 4.74 6.30op 3.2 2.8 2.95 3.55 6.3 3.6 3.95 4.35 4.89 7.00op 3.09 3.14 3.65 3.49 6.30op 3.05 3.1 3.25 3.4 2.7 3 3.1 3.25

3.99

3.49 5.24 3.49

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 27, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

114 New home guide GTA | february 8 - 22, 2014

3.59 3.49 3.49 5.34 3.6 5.14 3.59 3.6 3.45

Arista Homes

North York – Goddard on the Valley

Grand opening now on for these semis and select number of detached homes. aristahomes.com Arista/Fieldgate/Paradise/Starlane

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!

new openings Tribute Communities

Nobleton – Gates of Nobleton

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

Mississauga – Windows on the Green

Now under construction – suites still remain for this boutique, midrise condo, close to amenities in the heart of Mississauga. vandykwotg.com 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

Unionville – Upper Unionville

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

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

Oakville – The Randall Residences

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

Fieldgate Homes

Brampton – Valleylands on Chinguacousy

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

new RELEASES 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

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

Brookfield Homes/ Orchard Ridge Homes

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

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

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

Alliston – Treetops

Rosehaven Homes

Kleinburg – Kleinburg Heritage Estates

Monarch Corporation

Kleinburg – Kleinburg Crown Estates

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 february 8 - 22, 2014 | New home guide GTA 115

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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 february 8 - 22, 2014 | New home guide GTA 117

advertiserindex Acorn Homes - Oak Knoll

79

Brookfield Homes - Willow Glen Tottenham

16

Arista Homes - Goddard on the valley

37

Canpages - Promo

48

Arista Homes - IMPRESSIONS

39

Chinese Home & Condo Guide - Promo

34

Arista Homes - Jefferson Forest

41

Country Wide Homes - Credit Manor Heights

55

Arista Homes - The New U

19

Digital Device - Promo

Arista Homes - Vaughan Valley Estates

43

Dunpar Homes - The Ossington

81

Arista Homes - Vellore Woods

47

Family of Magazines - Promo

116

farsight Homes - Model Home of the Month

110

Aspen Ridge Homes - Corporate

Aspen Ridge Homes - Credit Manor Heights

1

IFC & 55

Fieldgate Homes - 90 Niagara

109

Insert

Aspen Ridge Homes - Kettle Lakes Club

IFC

Fieldgate Homes - BlueSky Stouffville

Aspen Ridge Homes - King Country Estates

IFC

Fieldgate Homes - IMPRESSIONS

25, 39 & Insert

Aspen Ridge Homes - King Oaks

IFC

Fieldgate Homes - Jefferson Forest

25 & 41

Aspen Ridge Homes - Kleinburg Hills

IFC

Fieldgate Homes - Lotus Pointe Caledon

25 & 29

Aspen Ridge Homes - Mayfield Village

Aspen Ridge Homes - Upper Cornell

1

IFC

Fieldgate Homes - Potter’s Bend

Fieldgate Homes - The New U

Insert & 25

Insert & 25

19, 25 & Insert

Ballantry Homes - Cornell

5

Fieldgate Homes - Valley Lands

Insert & 25

Ballantry Homes - Spring Valley Village

5

Fieldgate Homes - Vaughan Valley Estates

Insert & 25

Ballantry Homes - The Neighbourhoods of OAK PARK

5

Fieldgate Homes - Victoria Manor

Ballymore Homes - Mill Street Village

BILD - Promo

83

100

Forest Hill Homes - Cornell Rouge

25

11 & 77

Forest Hill Homes - Derry Village Mississauga

97

41

Briarwood Homes - Jubilee

71

Forest Hill Homes - Jefferson Forest

Briarwood Homes - Mill Street Village

83

Geranium Homes - Corporate

30-31

Brookfield Homes - The Arbors

17

Great Gulf Homes - Mount Pleasant

94-95

118 New home guide GTA | february 8 - 22, 2014

Greenpark Homes - Lotus Pointe Caledon

29

Greenpark Homes - Vales of the Humber Estates

45

Heathwood Homes - Hampshire Mews

53

Lakeview Homes - Cannery Park

18

Lakeview Homes - Greenbrook Village

18

Lakeview Homes - The Forest of Lyndebrook

18

Lifestyle Communities - Promo

84

Madison Homes - Cornell Rouge

11 & 35

Madison Homes - Greensborough

35

Madison Homes - Jefferson Forest

41

Madison Homes - Thornhill Ravines

35

Markay Homes - Bronte Park Town Manors

99

Marydel Homes - Seven Meadows

75

Paradise Homes - IMPRESSIONS

39

Paradise Homes - The New U

19

Primont Homes - Castlemore

12-13

Primont Homes - Centretown

12-13

Primont Homes - Harmony

12-13

Primont Homes - Heirloom in Markham

12-13

Regal Crest Homes - Credit Manor Heights

Rosehaven Homes - Corporate

55

22-23

Rosehaven Homes - Lotus Pointe Caledon

29

Schwarz Law LLP - Barristers & Solicitors

57

Shopping Guide - Promo

78

Starlane Home Corporation - BlueSky Stouffville

27

Mattamy Homes - Hawthorne Village

BC

Mattamy Homes - Mount Pleasant North

8-9

Starlane Home Corporation - Lotus Pointe Caledon

29

Menkes - Bloom Park Towns

6-7

Starlane Home Corporation - The New U

19

Menkes - Dwell city town

6-7

Menkes - Humber Mews

6-7

Menkes - Millstone On The Park

6-7

Menkes - Somerset

6-7

Menkes - The Enclaves of Upper Canada

6-7

Model Home Calendar - Promo

Monarch Corporation - Corporate

96

120 & IBC

Starlane Home Corporation - Vales of the Humber Estates 45

Treasure Hill Homes - Accolades in Markham

20

Treasure Hill Homes - Aurora Woods on Bayview

21

Treasure Hill Homes - Nautica at Lakeshore Woods

21

Treasure Hill Homes - Vales of the Humber Estates

21 & 45

tribute communities - Charing Cross

15

february 8 - 22, 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 | FEBRUARY 8 - 22, 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

The Wait Is Over!

Our New Release In Hawthorne Village Is Now Open.

New Release Of Village Homes, 2-Storey Towns, 30' and 36' Detached Homes.

Enjoy Meal Prep In Your Chef’s Kitchen

There haven’t been new Townhomes and Detached Homes in Mattamy’s Hawthorne Village for quite some time. But now, the wait is over. We’re open with a new release of our most popular and affordable Village Homes, brand new 2-Storey Townhome designs as well as 30' and 36' Detached Homes.

Now you can join the more than 10,000 families already enjoying life every day at the escarpment.

But hurry, this new release is selling quickly. Hope to see you soon.

Elev. ‘B’

To QEW

Winston Churchill

Trafalgar

James Snow Parkway Sales Office

Trudeau Dr.

Townhomes From The $300’s • Detached Homes From The $440’s

36' Home, The Shelburne, Elev. ‘G’, 2,357 Sq.Ft.

4th Line

2-Storey Townhome, The Springvale, Elev. ‘B’, 1,764 Sq.Ft.

Derry Rd. E

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.

- WINTER 2014 -

CONSIDER YOURSELF AT HOME

“CONSIDER YOURSELF AT HOME”

6.25 x 6.25

1

MARKHAM / HEIRLOOM

Consider Yourself…

Enjoying a Lifestyle You Can Treasure Located just minutes from highways 404 and 407, Heirloom offers a stunning selection of homes featuring beautiful brick and stucco exteriors and a fine selection of interior features and finishes. Schools, shopping, restaurants, a community centre, neighbourhood parks and GO Transit are all nearby, so life really is a treasure at Heirloom.

TOWNS AND SEMIS FROM $399,900

SALES OFFICE & MODEL DELRAY DR.

O N

PK W Y.

MARKHAM RD.

S

HWY. 404

N

2

SE

6.25 x 6.25

U

PRICES, TERMS AND SPECIFICATIONS SUBJECT TO CHANGE WITHOUT NOTICE. E.&O.E. ILLUSTRATIONS ARE ARTIST'S IMPRESSION.

O C

“CONSIDER YOURSELF AT HOME”

N

D

905-201-2804 / primonthomes.com

AL

SALES OFFICE HOURS Mon to Thurs: 1 pm – 8 pm • Fri: Closed • Sat, Sun & Holidays: 11 am – 6 pm

9TH LINE

MAJOR MACKENZIE DR. D

NEW RELEASE OF TOWNS COMING THIS SPRING MOVE-IN READY HOMES AVAILABLE

HWY. 407

BRAMPTON / CASTLEMORE

Consider Yourself…

At Home in Your Castle This incredible northeast Brampton community offers inspiring vistas overlooking the West Humber Ravine and the Claireville Conservation Area. Residents of Castlemore can also delight in the incredible combination of natural beauty and urban convenience, with Bramalea City Centre and a fine array of shops, schools, plazas and parks all just minutes away.

SALES OFFICE

SALES OFFICE HOURS Mon to Thurs: 1 pm – 8 pm • Fri: Closed • Sat, Sun & Holidays: 11 am – 6 pm

905-856-5777 / primonthomes.com “CONSIDER YOURSELF AT HOME”

PRICES, TERMS AND SPECIFICATIONS SUBJECT TO CHANGE WITHOUT NOTICE. E.&O.E. ILLUSTRATIONS ARE ARTIST'S IMPRESSION.

6.25 x 6.25

3

16th AVE.

HWY 7

HWY 404

MOVE-IN READY HOMES AVAILABLE

LESLIE ST.

TOWNS AND 50' SINGLES FROM $409,900

HWY 407 N

SALES OFFICE LOCATED AT PRIMONT HEAD OFFICE

BRAMPTON / CENTRETOWN

Consider Yourself…

Living a Life That's Fully Centred Centretown features an impressive array of breathtaking townhomes and picture perfect two-car garage singles in a positively stunning master-planned community atmosphere.

Bordering picturesque farmland, yet offering all the major conveniences of Brampton— such as shopping, schools, restaurants and more— Mount Pleasant is a neighbourhood that truly offers the best of all worlds. And with easy access to Brampton Transit, GO Transit and Hwy. 410, it's easy to get exactly where you want to go when you live at Centretown in Mount Pleasant.

SEMIS AND SINGLES FROM $355,990

6.25 x 6.25

4

HWY 407 HWY 401

HWY 410.

PRICES, TERMS AND SPECIFICATIONS SUBJECT TO CHANGE WITHOUT NOTICE. E.&O.E. ILLUSTRATIONS ARE ARTIST'S IMPRESSION.

CREDITVIEW RD.

“CONSIDER YOURSELF AT HOME”

BOVAIRD DR. W.

CHINGUACOUSY RD.MAVIS RD. MAVIS RD.

905-495-5067 / primonthomes.com

MISSISSAUGA RD.

SALES OFFICE HOURS Mon to Thurs: 1 pm – 8 pm • Fri: Closed • Sat, Sun & Holidays: 11 am – 6 pm

MAYFIELD RD.

SITE & SALES OFFICE

UNIONVILLE / HARMONY

Consider Yourself…

Experiencing the Joys of Pure Harmony Located right across from South Unionville Square, Harmony is an exclusive family community of stylish executive townhomes. The breathtaking homes in this established neighbourhood offer homebuyers the rare opportunity to live in one of South Unionville's most desirable areas, close to Main Street Unionville, Toogood Pond Park, Unionville GO Station, Markville Mall, highways 407 and 404 and more.

905-305-8871 / primonthomes.com “CONSIDER YOURSELF AT HOME”

PRICES, TERMS AND SPECIFICATIONS SUBJECT TO CHANGE WITHOUT NOTICE. E.&O.E. ILLUSTRATIONS ARE ARTIST'S IMPRESSION.

6.25 x 6.25

5

SALES OFFICE

16th AVE.

HWY 7

HWY 404

SALES OFFICE HOURS Mon to Thurs: 1 pm – 8 pm • Fri: Closed • Sat, Sun & Holidays: 11 am – 6 pm

LESLIE ST.

NEW RELEASE OF TOWNS AND SINGLES FROM $559,800

HWY 407 N

SALES OFFICE LOCATED AT PRIMONT HEAD OFFICE

WOODBRIDGE / RENAISSANCE

Consider Yourself…

Enjoying a Renaissance of Style and Luxury At Renaissance Townes, we're pleased to offer a spectacular collection of luxury townhomes at one of Woodbridge's finest central locations.

With exquisite features such as 9' main floor ceilings, hardwood flooring, stainless steel appliances and more, you're sure to be amazed by the lavish lifestyle offered in this exclusive community setting.

FREEHOLD TOWNHOMES COMING THIS SPRING / REGISTER NOW

OPENING MARCH 2014

905-770-7002 / primonthomes.com “CONSIDER YOURSELF AT HOME”

PRICES, TERMS AND SPECIFICATIONS SUBJECT TO CHANGE WITHOUT NOTICE. E.&O.E. ILLUSTRATIONS ARE ARTIST'S IMPRESSION.

6.25 x 6.25

6

COMING SOON

Consider Yourself…

Ready To Move We're pleased to announce that we also have an impressive collection of all-new communities coming in the near future.

Stay tuned for more information COMING SOON. RICHMOND HILL: ESTATE SINGLES MILTON: TOWNHOMES, SEMIS, SINGLES CALEDON: EXECUTIVE SINGLES CORNELL: TOWNHOMES

“CONSIDER YOURSELF AT HOME”

6.25 x 6.25

7

“CONSIDER YOURSELF AT HOME”

primonthomes.com

6.25 x 6.25

8