GTA New Home Guide - Feb 4, 2017

FEB 4 - 18, 2017 VOLUME 25, ISSUE 3, FREE

GTA EDITION

A family’s proud history of fine home building.

INSIDE THIS ISSUE

6 WAYS TO REDUCE YOUR MORTGAGE COSTS

HIRING A DESIGNER? READ THESE TIPS FIRST!

primont.com

MERGING HERITAGE BUILDINGS INTO NEW DESIGNS

MORE GREAT NEW HOMES COMING FROM MATTAMY HOMES

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contents FEB 4 – 18, 2017 | VOLUME 25 ISSUE 03

24

ON THE COVER

Primont – a family’s proud history of home building

+ online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

WITH

DYNAMIC MAPS

LOOK FOR THE CIRCLE

property profile

trending

24 Primont Homes

10

A family’s proud history of home building

28 Adi Developments

Grand Opening Feb. 24 – the West at Station West

neighbourhood profile

34 Regent Park

A new and improved neighbourhood

2 YPNEXTHOME.CA

14

16

Home Building

City of Brampton partners with Tarion Warranty Corp. to prevent illegal home building

Economy

Canadian economy to pick up this year: Conference Board

Personal Finance

Millennials collide with parents’ retirement goals

36

26 12 20 32

Legally Speaking

Closing costs: Where does all the money go?

by Jayson Schwarz

28 28

18

Mortgages

Increase in mortgage fraud and ‘suspicious’ applications

advice

8

20 Homebuying

Why the urban-suburban debate rages on

22 Housing Market

Sales rebound after new mortgage rules slow activity

BILD Report

Merging heritage buildings into new designs

27

Designer Advice

Seven essential home trends for 2017

30 Design Secrets

Thinking of hiring a designer? Read this first!

36

12

Fundamentally Speaking

3 reasons Americans won’t be gobbling up our homes

26 Mortgage Advice

6 ways to reduce your mortgage costs

by Alyssa Furtado

Home Decor

The ‘Love’ list from IDS 2017

buyers’ resource section

42 Hot Properties

New releases, openings and preview registrations

by Bryan Tuckey

by Wayne Karl

inspiration

inspiration

45 Mortgage Rates in every issue

4

Editor’s Note

6

Contributors

46 What’s Online 47

Advertiser Index FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 3

Editor’s Note

Tax time – embrace it year-round IT’S EARLY FEBRUARY, AND SO FAR the long, harsh winter

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

that was forecast for Ontario has yet to materialize. If this continues to hold true, it will be yet another reason to celebrate this time of year, when we often associate it with blahs. After all, it’s the shortest month of the year, and March and spring soon follow.

And while the deadline for 2016 Registered Retirement Savings Plan contributions isn’t until March 1, and April 30 for filing your 2016 income tax return, perhaps we need to start thinking of February in a different light altogether.

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

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

N

ONLINE

SEE MORE PHOTOS ONLINE

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Contributors

DESIGNER ADVICE

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

VICE-PRESIDENT & CHIEF PUBLISHING OFFICER

Caroline Andrews PUBLISHER & GENERAL MANAGER

Shawn Woodford DIRECTOR OF SALES, NATIONAL

Moe Lalani ASSOCIATE PUBLISHER

MORTGAGE ADVICE

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

Anne-Marie Breen SENIOR MANAGER, CONTENT

Jennifer Reynolds EDITOR

Wayne Karl ART DIRECTOR

Tammy Leung

LEGALLY SPEAKING

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

CONTRIBUTING EDITORS

Sonia Bell Elisa Krovblit Lydia McNutt

SENIOR ACCOUNT EXECUTIVE

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

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)

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

Terry Basset NATIONAL CIRCULATION MANAGER

John Jenkins

PRODUCTION MANAGER

Helen Pearce

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

PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic GRAPHIC DESIGNERS

Miguel Cea Mike Terentiev

Published by

TARION REPORT

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

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

ADVERTISING Call 416.626.4200 for advertising rates

and information.

CIRCULATION Highly targeted, free distribution

MONEY MATTERS

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

Follow Gail on Twitter at twitter.com/GailVazOxlade

DESIGNER ADVICE

YANIC SIMARD Yanic Simard is the principal designer of the awardwinning Toronto Interior Design Group (tidg.ca), and a regular guest expert on Citytv’s CityLine

6 YPNEXTHOME.CA

system aimed at real estate buyers using street level boxes and racking, plus door-to-door insertions in key audience segments.

COPYRIGHT 2017 All rights reserved by Yellow Pages Homes Ltd., Toronto, Ont. Reproduction in any form is prohibited. Contents of this publication are covered

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

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

CONTEMPORARY DESIGN, DESTINED TO BE CLASSIC.

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FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 7

Advice | BILD REPORT

Merging heritage buildings into new designs

By Bryan Tuckey

MORE ADVICE ONLINE ypnexthome.ca/news/advice

ACROSS THE GTA, existing neighbourhoods are evolving and more heritage buildings are being integrated into new developments as we build to the Province’s intensification policies.

Developers work to determine how a heritage structure will become a feature of a new development while working closely with municipal heritage staff to ensure preservation laws are followed.

Municipalities can designate a building as a structure of heritage value provided that it meets one or more criteria as outlined in the Ontario Heritage Act. The redevelopment of a heritage property can take on many forms and the developer will need to consider different methods such as adaptive reuse or restoration in order to determine how best to integrate a structure. A successful project involves the collaboration and expertise of developers, consultants and contractors that are familiar with the complexities of merging historic buildings into new designs.

Adaptive reuse is when a historic building is modified so that it can be used for a new purpose, such as an abandoned factory becoming the main floor of a new condo tower.

Its features are either enhanced or changed to fit the new design.

Building restoration is when a structure of historic value is restored so that it looks like it did when originally constructed.

An example of an adaptive reuse project is Hullmark Developments’ 60 Atlantic located in the heart of Liberty Village. Working with Quadrangle Architects, Hullmark transformed a 1898 warehouse into a new 43,000-sq.-ft. mixed-use commercial development. Retail space was added at street level and offices and studios were constructed on the upper floors. The building was restored and increased in size to include a glass addition linking all floors and a sunken outdoor courtyard to house a restaurant and patio area.

Transforming the structure included removing elements such as walls, enhancing the heavy wooden beams, restoring ceilings, floor plates and windows, and stripping the original beige brick walls and adding grey bricks for contrast.

The old Carrville Post Office and General Store in Vaughan is a great example of a restoration project. The Remington Group brought the 1845 structure back to life by restoring

its exterior to its original form. The building now serves as a gluten-free vegan bakery in the centre of the village of Carrville.

The historic Waterworks site at 505 Richmond St. W. is another adaptive reuse project that is currently underway. It was formerly a City of Toronto’s Water Works facility and dates back to 1837. The massive building and garage are being transformed by MOD Developments into a new 13-storey residential and commercial development with 290 boutique condos, a rooftop garden, a YMCA and a European-style food hall at its centre where vendors and restaurants will offer the public foods from around the world.

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. Follow him on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta) and BILD’s official online blog (bildblogs.ca).

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FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 9

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Trending

Brampton partners with Tarion to prevent illegal home building THE CITY OF BRAMPTON, Ontario’s fourth largest municipality, joins 14 other Ontario municipalities as the newest participant in a pilot project to help protect new-home buyers from new home construction not covered under warranty. Applicants for a new home building permit in the city must now present either their Tarion Warranty Corp. registration number or a letter of confirmation to obtain a permit through Brampton Building Services.

This pilot initiative supports the Ontario Government’s 2014 Budget commitment to fight the underground economy, including the practice of illegal building.

The pilot was launched in 2015 as a partnership between Tarion, the Ontario Building Officials Association and the Ontario Home Builders’ Association.

“We are happy to be partnering with Tarion on this important protection initiative for new-home buyers in the City of Brampton,” says Brampton Mayor Linda Jeffrey.

“This builds on our great working relationship with Tarion after we partnered with them last year to launch their resources in Punjabi, allowing them to reach more homeowners in Brampton in their native language. We look forward to working with them again in 2017.”

“Illegally built homes can result in financial loss and heartache for unsuspecting buyers that are taken advantage of,” said City of Brampton’s Chief Building Official Rick Conard. “This new strategy gives us additional tools to enforce obligations for warranty coverage prior to issuance of a permit.”

Joe Vaccaro, CEO of the Ontario Home Builders’ Association, says, “Registered home builders in 10 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

Ontario are excited to work with Tarion and municipalities such as Brampton to enhance warranty protection. This pilot helps educate new-home buyers of their warranty rights and the importance of working with a registered builder.”

“We are so excited to have Brampton, Canada’s second fastest growing community, join our pilot program. As a city that has so much to offer families and newcomers, it is important to ensure that they have the confidence in the largest purchase they will make in their lives – a new home,” says Siloni Waraich, vice-president of Stakeholder Engagement at Tarion.

Tracy MacCharles, Minister of Government and Consumer Services, says, “I would like to

commend everyone involved in this initiative for taking the lead to prevent illegal building in Ontario.

Ensuring that all new homes are covered under warranty is a key element of our plan to improve protection for new home owners and continue building Ontario into a leading jurisdiction in consumer protection.”

In Ontario, anyone acting as a vendor/builder of a new home must be registered with Tarion to automatically place the home under warranty. Homeowners who wish to be exempted from the Ontario New Home Warranties Plan Act must apply for a letter of confirmation from Tarion.

For more information, visit tarion.com

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

All square footages are approximate. Actual usable space varies from stated floor area.

greatgulf.com/hillsborough FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 11

Advice | FUNDAMENTALLY SPEAKING

3 reasons Americans won’t be gobbling up Canadian homes

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

NOW THAT DONALD TRUMP has been sworn in as president of the United States, should we prepare for an onslaught of Americans moving to Canada and buying up our homes?

Don’t bank on it.

The “possibility” was well publicized leading up to the election last November, with search terms such as “How to move to Canada” and “How to become a Canadian citizen” skyrocketing on Google.

Now Royal LePage Canada and others are fanning the flames even more. On the morning of the Jan. 20 inauguration, the realty firm issued a press release titled U.S. Interest in Canadian Real Estate Surges Following U.S. Presidential Election.

“American web traffic on royallepage.ca, has been highly correlated to recent U.S. political events. U.S.-originated sessions surged 329 per cent the day following the election and climbed 210.1 per cent year-over-year the week after Donald Trump’s victory,” the release said.

We can’t blame Royal LePage for publicizing the web search trend. It’s the company’s job, after all, to sell homes.

But it’s a bit of a stretch that Canadians should batten down the hatches and prepare for an onslaught of Americans offering wheelbarrows full of U.S. greenbacks for their Canadian homes.

Here’s why: 12 YPNEXTHOME.CA

IMMIGRATION LAWS “We have express entry, and each province has numerous programs,” Robin Seligman, a Toronto-based a specialist in Canadian immigration law, told New Home Guide. “As well, we have options for work permits if the person has an employer in Canada, or under NAFTA if they are on the professional list.

filing requirements, eligibility for deductions and credits.

“Owning a home for personal use, versus investing in a rental property, from a tax perspective, is easier to deal with. There are still issues such as changes to the principal residence exemption rules that came about last fall.”

“We also have the labour market impact stream, so employers in many cases must first try to hire a Canadian or permanent resident for the job,” she says. “However, there are many exemptions, including intra-company transfers and NAFTA exemptions.”

MORTGAGE REGULATIONS “Foreign buyers – including Americans – will have a more difficult time qualifying for a mortgage than Canadians,” says James Laird, cofounder of RateHub and president of CanWise brokerage. “The down payment requirement is higher, and there are additional challenges around proving income.”

TAX ISSUES “For U.S., citizens, they will need to deal with various U.S. tax issues as a result of their U.S. citizenship,” says George Dube, a partner at BDO Canada LLP, Waterloo, Ont. “And, they will need to abide by different tax regulations while considered a non-resident of Canada versus as a resident, such as withholding taxes,

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

Trending

Canadian economy to pick up this year: Conference Board FOLLOWING AN INCREASE of just 1.3

per cent last year, Canada’s economic growth is expected to accelerate to 1.9 per cent in 2017, according to The Conference Board of Canada’s Canadian Outlook: Winter 2017.

“Last year, Canada’s economic growth was held back by weak business investment and a disappointing export performance,” says Matthew Stewart, associate director, National Forecast. “Overall, we anticipate a better performance this year, as the energy sector puts less of a drag on the economy, exports manage a slightly better performance and government stimulus ramps up.”

Highlights » Canada’s economic growth is forecast to accelerate to 1.9 per cent in 2017. » Improved export activity and increased government spending will partly offset slowing consumer spending and declining residential construction. » Business investment outside the oil and gas sector is showing some signs of recovery.

Although Canada’s trade sector will likely encounter numerous speed bumps over the next couple of years, exports are projected to increase by 1.8 per cent in 2017 and see even stronger growth 2018 thanks to strength in the U.S. economy and a weak Canadian dollar. However, export growth will be held back somewhat by capacity issues over the near term. With most manufacturing sectors operating at capacity, the lack of investment spending to expand capacity will continue to limit the ability of firms to increase production, and hence, exports. While it is too soon to estimate the impact that the new U.S. government will have on Canada’s trade sector, it is highly 14 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

probable that Canadian exporters will face greater protectionist measures under the Trump administration.

Business spending outside of the oil and gas sector should finally see some growth this year. Nonresidential construction is poised for a gentle recovery, while machinery and equipment investment spending is also expected to turn a corner.

However, this won’t be enough to offset further declines in oil and gas investment, which is projected to drop by 4.9 this year. Overall, business investment is projected to decline by 0.3 per cent this year, before increasing in 2018.

While the household sector will remain a key driver of the economy in 2017, consumer spending growth is forecast to slow slightly amid mediocre employment gains and subdued wage growth. In addition, residential construction is poised to

fall as recent changes to mortgage rules take some of the steam out of the housing market. Housing starts will see to drop by roughly 185,600 units this year and rise slightly in 2018.

One factor that is expected to give a boost to economic growth is the beginning of federal stimulus funds. The federal government is committed to increasing program spending and infrastructure funding levels, which will account for 0.3 percentage points of Canada’s economic growth in 2017.

With economic growth remaining modest in Canada, the Bank of Canada is expected to hold off on any interest rate hikes until 2018, even then the rate of increase will be modest. As Canadian and U.S. interest rates widen, the loonie will lose ground against the U.S. dollar in the coming year, expected to average US$0.745.

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TREASUREHILL.COM FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 15

Trending

Déjà-boom

Millennials collide with retirement goals of their boomer parents THE BOOMERANG effect is in

full swing, as many Millennials continue to lean on the boomer generation for financial support, according to a recent TD survey. At a time when the older generation should be preparing for retirement, many instead are experiencing a “déjà-boom” effect, as children or grandchildren return to the family home or need financial assistance.

“As a parent or grandparent, it’s natural to want to help our kids and grandkids who may be facing financial challenges such as finding full-time employment or paying their day-to-day expenses,” says Rowena Chan, senior vice-president, TD Wealth Financial Planning. “It’s important that this desire to help is balanced with the goals you have when it comes to retirement.”

Overall, 62 per cent of the boomer generation feels the “déjà-boom” effect is preventing them from saving enough for retirement. The survey also reveals that the tradeoff between providing financial support and saving for retirement is placing boomers under a considerable amount of financial stress. More than half (58 per cent) of boomers report feeling financially stressed and say their retirement savings are being impacted by their extended financial support of boomerang kids; one in four Canadian boomers admit to supporting their adult children or grandchildren.

“While the déjà-boom effect may be an unexpected event in retirement planning, it is important for preretirees to remember that it’s not too late to plan for the future and achieve their goals. A lot can be accomplished in the 10 to 15 years before retirement and planning ahead is a key step in making the journey as smooth as possible,” says Chan.

TD offers these tips for boomer parents: 16 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

Be ready for whatever life throws your way Understand that your retirement goals are still within reach. Meet with a financial planner and do a goals-based assessment to determine what your options might be for supporting your kids while keeping your retirement plans on track. Identify short, medium and long term goals, and make sure they align with your kids’ goals.

Negotiate the return Discuss how everyone can contribute to the household budget and operations. For example, you may be able to cover the basics such as room and board, but other cell phone bills, car payments or financial support for recreational activities are additional costs that could be covered independently.

Prepare to “relaunch” Whether it’s your newly married daughter and her spouse and child, or your son who recently graduated and has moved back home, there are plenty of opportunities to educate family members on the importance of being fiscally responsible and working toward financial independence.

Invite them to join in your financial conversations to discuss how to navigate their current circumstances and establish good financial habits.

Decide when to release As you map out financial action plans, identify a date when you will no longer be financially committed to each other.

As you approach this date, set up a series of mini-goals that will allow you to free up funds to divert toward your retirement savings while ensuring that your kids are meeting the savings targets they set in their own financial plan.

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FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 17

Trending

Increase in mortgage fraud, “suspicious” applications THE LATEST DATA FROM credit reporting agency Equifax Canada suggests high-risk and suspected fraudulent mortgage activity is on the rise noting a 52 per cent increase in suspected fraudulent mortgage applications since 2013.

According to data from Equifax’s enterprise fraud management solution, ‘Falsified Account Statements’ and ‘Falsified Documents’ were the most prominent application tags, as reported by investigators.

The other was ‘Conflicting Information’. Of those applications flagged, 67 per cent were from Ontario while the next highest was 12 per cent from B.C. Equifax also conducted a survey to chart the attitudes and perceptions of Canadians with respect to the current housing market. One-infive Canadians, who do not have a mortgage, indicated they are nervous they will never own a home because of rising prices and want to buy a home but can’t because of the down payment.

“We’re certainly seeing more mortgage applications being flagged as suspicious by our reporting institutions,” said Tara Zecevic, vice-president, Customer Insight at Equifax Canada. “While we cannot entirely attribute these increases to consumers overstating personal income or falsifying applications, we do want to remind people that there are serious consequences for making false or inaccurate claims on any loan or mortgage applications.

Not only will it stretch your finances, it is in breach of your contractual

“There are serious consequences for making false or inaccurate claims on any loan or mortgage applications. Not only will it stretch your finances, it is in breach of your contractual obligations with the lender, and simply put, it’s against the law.” obligations with the lender, and simply put, it’s against the law.”

Little white lies With respect to mortgage fraud, the results of the recent Equifax survey showed: 13% of Canadians indicated they felt it was okay to tell ‘a little white lie’ when applying for a mortgage to get the house they want.

16% said they believe mortgage fraud is a victimless crime 8% admitted to misrepresenting the facts on a credit or loan application The cost of buying a home When asked about housing prices, the results of the recent Equifax survey showed: 84% believe that the cost of home ownership is too high for first-home buyers today Nearly 30% of Canadians cite ‘more demand than supply’ (29 per cent) and ‘foreign buyers’ (27 per cent), as the main factors driving up home prices

BC residents (compared to other provinces) were significantly more likely to cite foreign buyers as the top reason for home prices being driven up (75% versus 42% for all other provinces, respectively) Examining trust When asked about who they trust in the home-buying experience, the survey showed:

B

44% of Canadians trust real estate agents the least during the homebuying experience About 25% also distrust homeowners (27 per cent) and home inspectors (26 per cent) 20% distrust mortgage brokers, another 16 per cent don’t trust their bank and equally 16 per cent have little trust in their insurance agent 9% said they trust all professionals involved in the home-buying experience

MORE TRENDING ONLINE ypnexthome.ca/news

18 YPNEXTHOME.CA

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2017-01-19 2:36 PM

Trending

Why the urban/suburban debate rages on

By Lydia McNutt

THE URBAN SUBURBAN debate rages on in the search for the perfect home – particularly in the face of Toronto’s rising real estate prices. Indeed, affordability hit an eight-year low in the third quarter of 2016, according to the latest Housing Trends and Affordability Report from RBC Economics Research.

The skyrocketing price of homes may be old news in Toronto, but it’s now spreading into the suburbs.

Oakville, for instance, saw the average home price rise 15.4 per cent to $894,696 in the third quarter of 2016, according to Royal LePage’s House Price Survey. The story’s the same in Oshawa and Whitby, which saw the average home price increase 26 and 21.5 per cent, respectively.

Meanwhile, in Richmond Hill, prices were up 25.7 per cent.

How’s that for “urban sprawl?”

A chat some time ago with Empire’s co-founder and executive vice-president of Industry Relations, Paul Golini Jr., enlightened me to an old saying that rings true today, more than ever: drive till you qualify. But with the suburbs gaining speed in price appreciation, how far is too far?

The choice between location, lifestyle and housing type all play into the decision of “where?”

“Is it important to be able to walk to work? On the other hand, would you mind commuting if it means you’ll have a detached home with a backyard? Or, are you looking for low maintenance and on-site amenities? Homebuyers need to determine which factor is most important to them,” Golini told New Home Guide.

20 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

Driving decisions Location is one of the strongest drivers when it comes to finding the right home. A lot of it has to do with the three Ts: traffic, time and tolls – Toronto Mayor John Tory’s plans to bring road tolls to the Gardiner Expressway and Don Valley Parkway. They’re all common concerns among home hunters who are seeking more affordable housing outside of the city limits.

Golini pointed out, those who commute will happily continue to do so if it means they’ll get more home for their money. “In our industry there’s a saying, ‘you drive till you qualify,’ which is based on the size of the mortgage you can afford as you move further away from the GTA.” “There is a segment that embraces the work/live/play/shop lifestyle and opts to live in the downtown core. They often abandon the car until the weekend, because they can take transit, the streetcar or walk to work,” Golini added.

That being said, lifestyle is increasingly becoming a significant factor in the home search – particularly in the condo market,

Golini said. “We see that people are spending less time at home and more time at work or outside of their home, whether it’s for entertainment or going to the gym.

These purchasers are okay with a smaller form of housing where little maintenance is required.”

Density – yay or nay?

Aside from commute times and price, Golini highlighted density as a key factor in the home hunt.

“Some people want to be close to their neighbours and living in a condo gives them the chance to meet in the gym, at the pool or even in the elevator.” On the flip side, lowrise communities are less dense and offer more privacy. “If someone is determined to fulfill their dream of the white picket fence, they may be driven further outside the core.

Alternatively, they can go the route of a townhome, which is a great way to enter the housing market.

“Once you determine which of these factors is the most important to you, as well as what you can afford, this can then act as a filter to direct your home-buying decision.”

FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 21

Trending

Home sales rebound after new mortgage rules slow activity HOME SALES ARE RISING – albeit slowly – following a dip in activity when the new financing rules took effect in October, according to the latest market statistics from the Canadian Real Estate Association (CREA). December 2016 saw home sales increase 2.2 per cent monthover-month. The rebound recovered less than half of the drop in activity from October to November, when it posted the biggest monthly retreat in more than four years after Ottawa tightened mortgage regulations.

Activity was up month-overmonth in about 60 per cent of all local markets, led by Calgary and Edmonton, where sales rallied following large declines in November.

Sales activity was down five per cent in December from a year ago, when it reached the highest level ever for the month. The number of homes changing hands in 2016 was up by 6.3 per cent annually, reflecting strong sales activity in the first half of the year that has softened since.

“Sales set a new annual record last year,” CREA president Cliff Iverson said in a press release. “However, tightened mortgage regulations are expected to contribute to lower sales activity this year, though the extent to which they will weigh on housing markets across Canada will vary.”

“Home sales are unlikely to benefit the Canadian economy as much in 2017 as they did in 2016,” added Gregory Klump, CREA’s chief economist. “New regulations mean that in order to qualify for a mortgage, homebuyers will either have to save longer for a bigger down payment or purchase a lower priced home. In urban centres where the latter are in short supply, that’s likely to translate into fewer sales.”

The number of newly listed homes 22 YPNEXTHOME.CA

fell three per cent in December 2016 from November. New listings were down in about 60 per cent of all local markets, with declines in B.C.’s Lower Mainland, Calgary and the Greater Toronto Area. With sales up and new listings down, the national sales-tonew listings ratio rose to 63.5 per cent in December compared to 60.3 per cent in November.

A sales-to-new listings ratio between 40 and 60 per cent is generally consistent with balanced housing market conditions, with readings below and above this range indicating buyers’ and sellers’ markets.

The ratio was above 60 per cent in more than half of all local housing markets in December, the vast majority of which are located in British Columbia, in and around the GTA and across Southwestern Ontario.

The number of months of inventory is another important measure of the balance between housing supply and demand. It represents how long it would take to completely liquidate current inventories at the current rate of sales activity.

There were 4.6 months of inventory on a national basis at the end of December 2016 – down from 4.8 months in November.

The tight balance between housing supply and demand in Ontario’s Greater Golden Horseshoe region is without precedent. The region includes the GTA, HamiltonBurlington, Oakville-Milton, Guelph, Kitchener-Waterloo, Cambridge, Brantford, the Niagara Region, Barrie and nearby cottage country. The number of months of inventory in December ranged between one and two months in many of these housing markets, and stood below one month in the Durham Region, Orangeville,

Oakville-Milton, Kitchener-Waterloo, Brantford and Cambridge.

Price gains remained strongest for two-storey single-family homes and townhouse/row units (up 16.1 and 15.4 per cent year-over-year respectively. Single-storey singlefamily homes followed, at 13.3 per cent year-over-year, and apartment units up 12 per cent year-over-year.

While benchmark home prices were up from year-ago levels in nine of 11 housing markets tracked by the MLS HPI, trends continued to vary widely by location.

In the Fraser Valley and Greater Vancouver, prices continued to recede from their peaks reached in August 2016 but remained above year-ago levels (up 27 and 17.8 per cent year-over-year, respectively).

Meanwhile, benchmark prices climbed to new heights in Victoria and elsewhere on Vancouver Island, and in the GTA. By comparison, home prices were down 3.7 per cent year-over-year in Calgary and edged lower by 1.6 per cent year-over-year in Saskatoon, continuing their retreat from peaks reached in 2015.

The national average price for homes sold in December 2016 was $470,661, up 3.5 per cent from a year ago, marking the smallest year-overyear increase in nearly two years.

The national average price continues to be skewed upward by Greater Vancouver and the GTA. The average price is drops to $352,513 if Greater Vancouver and GTA sales are excluded from calculations.

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Property Profile | PRIMONT HOMES

cover story

Primont A family’s proud history of fine home building “BUILD EVERY HOME as if it’s your very own.” That’s

the simple, unwavering philosophy adhered to by the family that guides Primont Homes. Primont President Joe Montesano, his sister Lore and her husband Charles Attardo are the principals who carry on a home building legacy launched generations ago. It wouldn’t be a stretch to say that home building is in their DNA. It certainly reveals 24 YPNEXTHOME.CA

itself in the company’s fastidious attention to detail in design, craftsmanship and customer care.

The Montesano family originally made a name for itself as builders of homes in the hills of Europe. That tradition continued once the Montesanos had settled in Canada, more than 50 years ago, when Joe’s and Lore’s father, John, a bricklayer, founded Primont Homes.

ABOVE

Joe Montesano, Maria Montesano, John Montesano, Lore Attardo.

As you’d expect in a family-run business, every aspect of home building is taken personally. Quality matters. Relationships with customers are always warm and considerate.

You’ll soon notice how every imaginable detail counts. And how every member of the team proudly considers themselves accountable to every customer’s satisfaction. This is crucial when choosing a home, as the product and the process are such personal, emotional entities and experiences. The company consistently acts on the understanding that your home is your retreat from the outside world, the centre of your family life and the place where your most cherished memories will often be inspired.

So, when you buy a Primont Home, you can be assured that the entire building process will benefit from the care and attention the Montesano family would put into building their own homes. In fact, many happy customers even report that many of the features and finishes that come standard on a Primont home would be considered additional upgrades with other builders. Clearly, when dedicated people take such time and effort to know and understand you, they’ll do as much as they can to ensure your happiness.

But building homes is more than creating places for families to live. On a wider scale, it’s building an extended family. A community. Of course, when communities are thoughtfully planned, and created around the dreams and the real needs of residents, they flourish by attracting a healthy range of services and businesses.

Primont is recognized for more than 50

years crafting communities. In recent years, the company has established and built several dynamic and outstanding new communities of more than 3,000 homes in the GTA, including: NewTowns at Mount Pleasant, townhomes close to the greenbelt, the GO station and Brampton Transit; Centretown, freehold townhomes, a short walk from Brampton’s popular Mount Pleasant Village; and Coronation, stunning 30-ft. singlefamily brick homes in the heart of Vaughan.

The Montesano family is also eager to introduce upcoming communities that will soon be under construction, such as: Seasons in Caledon, a family community on tree-lined streets, close to nature preserves and modern amenities; 16-Mile Creek, a new community of towns and detached homes in Milton, close to conservation parks; and Uptowns on Bayview, upscale urban townhomes on a scenic, tranquil crescent; Jade Garden, modern townhomes in Cornell, Markham; SXSW urban towns in South Vaughan.

When building and creating are so deeply ingrained in one’s nature, it should come as no surprise to learn that Primont is enthusiastically active in the support of charities and community organizations. You’ll find their concern has touched such organizations as SickKids, The Starlight Children’s Foundation, Habitat for Humanity, Yellow Brick House, Mackenzie Health, The Terry Fix Foundation and Markham Stouffville Hospital. It might be said that dealing at any time with the devoted people at Primont, everything feels like home.

For more information, visit primonthomes.com FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 25

Advice | MORTGAGE ADVICE

6 ways to reduce your mortgage costs

By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

THE NEW YEAR is a good time for a

financial health check. And since for most homeowners’ financial wellbeing is directly linked to the cost of your mortgage, re-evaluating your mortgage is key.

Before getting a mortgage, look at how much of your income goes towards your payments. When you review these costs, you should consider options that can lower your payments and reduce the amount of interest you have to pay.

Here are three ways to access lower interest rates: 1. Get and keep a high credit score Maintaining a higher credit score makes you a more attractive debtor.

This will enable you to negotiate a lower interest rate. Most financial institutions consider credit scores in the 800 to 900 range to be favourable. A long history of good credit will give you access to lower rates. Get your free credit score before meeting with an advisor.

2. Use a broker A licensed mortgage broker can give you access to the best mortgage rate possible. A broker can access a pool of both traditional and non-traditional lenders from which they can then offer you the lowest rates possible.

Although brokers are paid by the lender, they are also acting for you and are not tied to specific lenders.

3. Consider a variable-rate mortgage The interest on a variable-rate mortgage is often lower than a fixedrate one. This enables you to pay less 26 YPNEXTHOME.CA

interest with your monthly payment.

Choosing a variable rate comes with the risk of paying a higher rate at some point. That’s because the rate will change with the prime lending rate set by your lender.

There are also ways to reduce the amount of interest you pay over the lifetime of your mortgage. Here are three strategies you can use: 4. Increase your down payment You can put down as little as five per cent to buy a home under $500,000, but when you put down less than 20 per cent you have to get mortgage insurance. A larger down payment also decreases the monthly cost of the principal and interest of your mortgage loan, as well as the total interest over the life of the mortgage.

5. Increase payment frequency When arranging your mortgage, ask your broker to structure it so you can make accelerated biweekly payments. If you do so, the monthly payment is divided by two and the frequency of payments increases

to 26 times a year from 12 times annually. Therefore, you’re paying the equivalent of 13 monthly payments a year and accelerating your payments, you’ll increase the amount that goes towards the principal.

6. Make lump-sum payments Ensure your mortgage allows you to make lump-sum payments. Making an annual lump-sum payment can help you pay off your mortgage years earlier and reduce your interest costs.

THE BOTTOM LINE Reducing your mortgage rate and increasing how much you pay towards your principal will help you reduce your overall mortgage costs.

It’ll also make your finances healthier because your monthly expenses will shrink and you’ll spend less to pay off your mortgage.

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

West_NH&C_GO_Jan2017_HR.pdf

1

2017-01-19

9:27 AM

GRAND OPENING

Join us Saturday, February 4, 2017 Experience the Diamond Standard of Living

Luxurious Boutique Condominiums at Aldershot GO Station

Studios from the $190’s 1 Bedroom Suites from the $200’s 2 Bedroom Suites from the $400’s Introducing The West, a bold new direction in luxury living at the highly successful Stationwest community.

Located in the vibrant Aldershot Village, these glam condominiums are just minutes from downtown Burlington’s shops, restaurants and waterfront.

Presentation Centre:

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AdiDevelopments.com Follow us for the most recent updates

PMA Brethour Real Estate Corp., Brokerage. Illustration is artist’s concept.

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

Property Profile | ADI DEVELOPMENT GROUP

Grand Opening at The West Condominiums at Stationwest A RARE STANDOUT in the GTA, Stationwest is directly connected to Burlington’s full-service Aldershot GO Station, allowing residents a seamless commute to Toronto’s Union Station in less than an hour.

Adi Development Group’s major 13-acre master-planned community will consist of 233 traditional, backto-back and urban townhomes with pedestrian-friendly shared courtyards, as well as a one-acre public park.

Adding to this project, The West – Condominiums at Stationwest is the newest phase, offering a bold collection of ultra-modern luxury boutique midrise condos.

There has been incredible demand for the first two phases at 28 YPNEXTHOME.CA

Stationwest. After launching in May, Stationwest sold all 93 townhomes in Phase One in a single weekend.

Interest continues to grow with the newest phase, The West, which is currently 65 per cent sold after previewing to VIP registrants in the fall. The official Grand Opening for The West is slated for Saturday, Feb. 4, 2017 starting at noon, and the presentation centre will be open to the public as of that date.

“This will be the absolute last opportunity to own in a transitconnected, lowrise community in Burlington, and it won’t last,” says Tariq Adi, CEO of Adi Development Group. “Buyers snapped up the units so quickly in the community.

Everybody loves the project. There’s nothing else like it in the GTA.” Unlike most other midrise projects built with wood, The West is built with concrete construction for durability and comfort. Offering a variety of layouts ranging from studios at 340 sq. ft. starting from the $190’s to two-bedroom plus den at 865 sq. ft. starting in the $400’s, the two buildings will be connected with a shared amenity spaces designed by award-winning interior designers U31. Some of the outstanding features include a show-stopping lobby with warm wood paneling and stone features and a welcoming concierge to attend to your needs, a cosy party

room with fireplace and outdoor terrace, a convenient fitness centre, and the west building will have a rooftop terrace so you can enjoy warm summer nights with friends.

Each suite was thoughtfully designed using Adi’s IntelliSpace philosophy, which maximizes living space and embraces natural light through a modern style aesthetic.

The layouts ensure that each room is bright and open with natural light spilling in, encouraging flow from one room to the next creating an immediate sense of space as soon as you walk in the front door.

“Stationwest offers a rare balance of comfort and convenience. It’s an ideal family neighbourhood that’s beautifully nestled in Burlington’s scenic green enclave, while still cleverly situated on transit,” says Saud Adi, COO of Adi Development Group.

“High-quality, luxe features and finishes are key elements that make each home feel comfortable without sacrificing design or space.”

Removed from the loud and bustling downtown core of Toronto but connected by a quick train ride, Stationwest offers residents room to grow in a mature residential enclave close to nature. From the Village of Waterdown’s quaint downtown, to the shopping areas along Aldershot’s Plains Road, Stationwest offers urban accessibility while being immersed in celebrated parkland. The world famous Royal Botanical Gardens, the waterfront trails at LaSalle Park, and the Lasalle Park Marina for the avid boaters and sailors are just three of the surrounding natural sites that can be enjoyed year-round.

The West Grand Opening is Saturday, Feb. 4, 2017. Register now at adidevelopments.com. For more information, call 905.681.7743 or email stationwest@adidevelopments. com. Presentation centre hours are Monday to Thursday 2 to 7 p.m., Saturday and Sunday noon to 5 p.m. and Friday by appointment.

Location

Burlington Builder

Adi Development Group Development

The West Home Type

Luxury boutique midrise condos Sales Centre

101 Masonry Crt., open Monday to Thursday 2 to 7 p.m., Saturday and Sunday noon to 5 p.m. and Friday by appointment Contact

adidevelopments.com 905.681.7743 stationwest@adidevelopments.com

FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 29

Inspiration | DESIGN SECRETS

BEFORE YOU HIRE A DESIGNER…

By Jane Lockhart

THE PROCESS OF designing a home can be daunting. But, choosing the right designer will help relieve some of the pressure and stress. Their expertise, knowledge and experience allows them to do the heavy lifting, take care of small and they have the foresight to anticipate any problems and take care of the details. However, before you even begin looking for the person who will help transform your home, here are some important things to consider.

Budget Be realistic. Know your budget from the beginning so that you and your 30 YPNEXTHOME.CA

designer can frame your vision within the scope of your finances. Do your research. Take a good look at what furniture, fabric, paint and renovations truly cost and plan for those costs.

As designers, it is our job to be up front about costs to temper your expectations. It’s very common for clients to have a $10,000 budget with a $1-million vision.

Scope of work Determining the scope of your project will set the framework for the process.

Once you know the range of work, you can find the appropriate designer. If you require a whole home renovation, find

the designer who has the experience required to finish your project. The scope can also help indicate whether your project requires an architect, engineer, designer or decorator. If you’re doing a full house renovation, or just redesigning one room, your designer can help make these determinations based on your budget.

Show and tell Not everyone speaks fluent designer.

This is where photos of finished rooms come in handy! Go through magazines, houzz.com and Pinterest to look for inspiration.

You’d be amazed at the amount of

ideas a simple image can spark. When trying to gather ideas, I often tell my clients to view the portfolio of your designer’s past projects. Sometimes you don’t know what you want until you see it!

Time The magic of television has led many to believe anything can be completed within an hour or less.

Would you really want to inhabit a home that looks like it took an hour or less to build? That’s why it’s important to understand design professionals can do great things with what they are given. There are many moving parts that help your dream design turn into a reality that include contractors, painters, electricians and many more who all need time to do their job properly.

Customized pieces of furniture alone take at least eight to 10 weeks to complete, a full house renovation can take up to a year. Do your research before hand, your future designer and contractors will confirm the time frame once the scope of work is established.

Decisions It’s important you feel comfortable with your designer. Work with someone you can trust them to create your vision for your home. While it’s not essential to having a personal connection, it may be beneficial knowing that you’ll be working with each other for several months.

Who to hire It is essential that you get the full value for your money so seek out a designer who can project and deliver your vision. Experienced professional designers can work with any style.

In the end, designers are here to service you. Remember to choose wisely because your designer is an extension of yourself and will help you maximize your investment.

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

FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 31

Advice | LEGALLY SPEAKING

Closing costs: Where does the money go?

By Jayson Schwarz

MORE ADVICE ONLINE ypnexthome.ca/news/advice

AT THE CLOSING of a new residential

real estate transaction there are usually three groups who get paid: the builder, various governments, and the lawyer. Each group involves the payment on fairly specific items, and the builder and your lawyer will collect from you for the government remittance.

Generally speaking, your lawyer collects all of the necessary money from your mortgage company and from you. You will need certified cheques, bank drafts or cash, because of your lawyer’s trust account requirements.

Here’s how the builder gets paid, and where all the money your lawyer wants, needs to go.

The builder will get paid the purchase price of the property less the deposit, plus certain other things. You may even get a credit for certain items, called adjustments.

The adjustments will be reflected on a document called the Statement of Adjustments which contains a multitude of details, all related to your original agreement.

The Statement of Adjustments will include the HST payable (the rebate will be broken out), the original purchase price on the property, real estate taxes, hydro expense, common expenses and maintenance fees (as applicable), connection costs, levies and charges, to name but a few. This document is incredibly important. Review 32 YPNEXTHOME.CA

it carefully and get everything explained to you, so you understand all the charges that you are required to pay. It is at this point that you find out the final number you are paying to the builder for your new home.

The Ontario government and the City of Toronto will get paid for Land Transfer Tax, unless you are entitled to the rebate or exemption, and sales tax on goods (if applicable). There are many other items, but they usually show up on your lawyer’s disbursement account or trust reconciliation, as do the many of the municipal compliance request charges.

Okay, now what about that lawyer?

First of all, you are going to pay the legal fee, whatever the amount the two of you agreed to. You did of course have a pre-agreed fee, didn’t you? Then there is a list of disbursements. Disbursements are those monies expended by your

lawyer on your behalf necessary to properly search and close the transaction. Be careful – it is here that someone may try to take advantage of you by charging large fax, mail and photocopy fees. Have your lawyer justify all expenditures that don’t make sense. Disbursements include registration charges, title insurance, couriers, searches of all kinds, and many other items necessary to close your transaction.

Remember, a large part of your closing costs are based on what you negotiate at the beginning of your purchase, and are outlines in your Agreement of Purchase and Sale.

Please remember, only a lawyer can provide legal service – that is the law!

Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit schwarzlaw.ca or email info@schwarzlaw.ca and give us your questions, concerns, critiques and quandaries.

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Neighbourhood Profile

Regent Park A new and improved neighbourhood

By Joanne Keenan

REGENT PARK — tucked between Parliament, Gerrard, River and Shuter streets — proves that you can reinvent the wheel with a city-backed redux that is raising it from ashes to a vibrant community of city streets, compact blocks, businesses, condos, apartments, community services and a blend of residents across socio-economic and cultural spectrums.

The vibe Nothing says “new and improved” more than Regent Park. It’s fresh, clean and vibrant, with a phenomenal sense of community as redevelopment puts in place cross streets, amenities, housing and businesses for an engaging way of life. Still in its growing stages, former residents and families are eager to return to the area, while newcomers long to ride the wave of growth that has begun.

Meet the neighbours Residents come from a variety of cultural backgrounds and nationalities, which inspire artistic, cultural and educational activities. More than 60 different first languages are spoken, making Regent Park one of Toronto’s most culturally diverse areas. Predominantly a low-income area, former residents are returning as homeowners and renters through various funding initiatives. New buyers are attracted to urban lofts in renovated buildings that offer cosmopolitan living at entrylevel prices.

MORE PHOTOS ONLINE ypnexthome.ca/regent-park

In the area New to Regent Park are retail and public spaces for all. The Daniels Spectrum, Regent Park Aquatic Centre and Regent Park Athletic Grounds offer lifestyle and recreation programs. The health centre provides youth programs, immigrant assistance and social support. A new cultural centre will be home to local organizations for educational, arts and community programs. There are also two public primary schools and The Parliament Library.

Planes, trains & automobiles Streetcars travel from Regent Park, providing quick access to the YongeUniversity-Spadina subway line.

The Parliament streetcar connects to Castle Frank station on the

Bloor-Danforth subway line. The Don Valley Parkway runs just east of the community, linking to the Gardiner Expressway and Lake Shore Boulevard, making this community very accessible — it’s also very pedestrian- and bike-friendly.

Real estate Affordability is key for those starting out, new to the country or those of limited means, and that is the hallmark of the rebuilding of Regent Park. Throughout the metamorphosis, the focus has been on returning former residents to healthier homes geared to their incomes. Funding initiatives have made it possible for former renters to step forward to become homeowners.

Joanne Keenan is a freelance writer based in Hamilton

34 YPNEXTHOME.CA

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Hot Properties

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

LATEST LISTINGS

KLEINBURG SUMMIT By: Mattamy Homes City: Vaughan Housing type: New 60-ft. home designs plus townhomes and 30-, 40- and 50-ft. homes mattamyhomes.com

new releases SEASONS IN CALEDON By: Primont Homes City: Caledon Housing type: Final release of 36-, 42- and 45-ft. detached homes primonthomes.com

VALLEYLANDS PARK RIDGE

SADDLE RIDGE

new openings CHELSEA MAPLE STATION By: Aspen Ridge Homes City: Vaughan Housing type: Stylish modern townhomes across from the Maple GO aspenridgehomes.com

NEWTOWNS AT MOUNT PLEASANT By: Primont Homes City: Brampton Housing type: Final phase of masterplanned community of townhomes primonthomes.com

VISTA By: Geranium Homes City: Stouffville Housing type: Condominium one-storey flats and two-storey towns from the low $400’s vistaflatsandtowns.com

By: Fieldgate Homes City: Brampton Housing type: 38- and 41-ft. singles starting from the $800’s fieldgatehomes.com

CORNELL ROUGE

By: Greenpark and Starlane Home Corp.

City: Milton Housing type: Towns, semis, and 40- and 46-ft. singles saddleridgemilton.ca

By: Madison Homes and Forest Hill Homes City: Markham Housing type: Freehold townhomes and single-family homes from the high $800’s cornellrouge.com

VILLAGE GREEN

PARK RIDGE

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

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

TIME By: Treasure Hill Homes City: Aurora Housing type: Urban towns from the high $590’s and up to 1,500 sq. ft. treasurehill.com

By: Tribute Communities City: Oshawa Housing type: Detached community offering 36-, 40- and 50-ft. designs mytribute.ca

preview registration PINE VALLEY By: Gold Park Homes City: Vaughan Housing type: Detached homes goldparkhomes.com

…continued on page 44 42 YPNEXTHOME.CA

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…continued from page 42

AFFINITY CONDOMINIUMS

JACKSON SQUARE By: Gold Park Homes City: Maple Housing type: Townhomes goldparkhomes.com

SUMMIT CITY CENTRE By: Summitview Homes City: Mississauga Housing type: Urban townhomes summitviewhomes.com

TAZZO TOWNES By: Marlin Spring Developments City: Markham Housing type: Elegant townhomes at 16th Avenue and McCowan Road tazzotownes.com

TIMBERLANE By: Brookfield Residential City: Aurora Housing type: Limited release of 56 estate homes in a gated community setting auroratimberlane.ca

HILLSBOROUGH LANDING By: Great Gulf City: East Gwillimbury Housing type: 36-, 40- and 45-ft. detached homes on Hwy. 7, north of Davis Drive greatgulf.com

CITYLUX TOWNS

TWELVE ON THE RAVINE

By: Fieldgate Homes City: Thornhill Housing type: Register for a new release of urban townhomes in Thornhill Woods fieldgatehomes.com

By: Geranium Homes City: Scarborough Housing type: 12 two-storey homes on 43-ft. lots that back onto Highland Creek ravine geraniumhomes.com

GEORGIAN SANDS

BOXGROVE VILLAGE

By: Elm developments City: Wasaga Beach Housing type: towns and singles starting from the high $230’s georgiansands.com

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

AFFINITY CONDOMINIUMS By: Rosehaven Homes City: Burlington Housing type: Two contemporary midrise condominium buildings from the high $200’s rosehavenhomes.com

QUEEN’S COMMON By: Mattamy Homes City: Whitby Housing type: Detached and townhome designs mattamyhomes.com

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

44 YPNEXTHOME.CA

REAL TOWNS By: Madison Homes City: Thornhill Housing type: Townhomes starting from $1 million madisonhomes.ca

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

DOWNSVIEW PARK By: Stafford Homes City: Toronto Housing type: Three- or four-storey townhomes staffordhomes.ca

OAK PARK By: Ballantry Homes City: Oakville Housing type: One- to three-bedroom condominium suites ballantryhomes.com

TIFFANY HILL By: Rosehaven Homes City: Ancaster Housing type: 40- and 45-ft. singles, semidetached and freehold towns tiffanyhill.ca

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

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

Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS

variable

ATB Financial

2.5

Alterna Bank

2.6

Bank of Montreal

2.6

Bank of Nova Scotia

2.9

Canadian Western Bank CIBC

6 months

1 year

2 years

3 years

4 years

5 years

4.1 4.10op 4 6.30op

3.04 4.10op 2.79 6.30op 3.09 6.95op 3.29 6.50op 3.14 6.30op 2.84 6.35op 3.14 3.14 6.35op 2.64 3 3.20op 3.14 6.70op

2.39 4.10op 2.74

2.64

2.69

2.89

2.59

2.84

2.84

3.19

3.59

4.09

2.89

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.79

2.74

4.09

4.79

3.04 2.15

3.65 3.39

4.39 4.09

4.64 2.35

2.64 2.94

2.64 2.84

3.19 2.94

3.29 2.99

3.04

3.39

2.79

2.94

2.79 2.49

3.34 2.74

3.99 2.84

4.44 2.99

2.84

3.44

2.69

2.94

3.24

3.49

3.69

3.79

6.95op 4.55 6.45op 4 6.45op

2.7 6.95op

Equitable Bank HSBC Bank Canada

2.35

ICICI Bank Canada Manulife Bank

2.75 2.7

National Bank

n/a

President’s Choice Finan Royal Bank

2.7 2.7

TD Canada Trust

2.6

Tangerine

2.7

4.45 6.20op 4.45 4.4 6.70op

7.00op

2.99 7.00op 3.04 4.00op 3.19

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Investors Group Trust

2.35 n/a

MTCC

2.9

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op

3.25 3.5

3.95 3.7

4.39 4.3

4.64 4.35

2.14 3.09

2.34 3.39

2.59 3.89

2.79 2.45

3.09

3.39

3.89

4.49

4 6.30op 6.2 6.40op 3.1 4.25 6.50op

2.79 6.30op 2.84 6.30op 2.64 2.89 6.50op 3.25 6.25op 2.84 6.30op 3.04 2.8 2.95op 2.39

2.74

2.59

2.84

2.84

2.89

2.95

2.99

2.89

2.64 2.79

2.64 2.89

2.84 2.95

2.94 2.89

3.2

3.65

4

4.5

2.79

2.64

3.89

2.54

2.84 2.85

2.89 2.95

3.39 3.05

3.74 3.15

2.39

2.49

2.59

2.69

OTHER FINANCIAL INSTITUTIONS Alterna Savings

2.6

Comtech Fire C.U.

2.6

First National Fin. LP IC Savings

2.7

Luminus Financial

3.25

Meridian Credit Union

2.4

PACE Savings & C.U. Parama Credit Union

2.65

Steinbach Credit Union

2.25

5.05

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

R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE Jan 16, 2017. Prepared By Fiscal Agents Financial Information Services 905.844.7700

FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 45

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e

projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

SITE

CONTACT INFO

continued from page 48 PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

C

19

Averton Homes

The Estates at Riverbend

Averton.ca

17

Fieldgate Homes

Whitby Meadows

fieldgatehomes.com

D

T

31

28N

Mattamy Homes

Queen’s Common

mattamyhomes.com

D

T

91

27O

Mattamy Homes

Seaton Taunton

mattamyhomes.com

D

T

44

24N

Treasure Hill Homes

Shift

treasurehill.com

T

70

25N

Treasure Hill Homes

Urban Town Living

treasurehill.com

from $390,000

70

25N

Andrin Homes

Hillsborough Holland Landing

andrinhomes.com

D

from $820,000

51

18E

19

Averton Homes

Victoria Highlands

416-924-0110

D

from $850,000

69

23E

19

Averton Homes

Village Green

416-924-0110

from $590,000

69

23E

11

Great Gulf

Hillsborough Holland Landing

greatgulf.com/hillsborough

51

18E

Great Gulf

Sharon Village

905-478-7362

from $600,000

65

20E

Great Gulf

Summerlyn Village

905-775-3461

from $700,000

52

17D

Mattamy Homes

The Estates of King Township

mattamyhomes.com

74

16I

Rosehaven Homes

Anchorwoods Holland Landing

anchorwoods.ca

86

19E

Treasure Hill Homes

Acacia Estates

treasurehill.com

56

16J

Treasure Hill Homes

The Estates of King Township

treasurehill.com

87

16I

27

Adi Development Group

The West Condominiums at Stationwest

905-681-7743

19

Averton Homes

Averton Square

905-378-2500

D

Fieldgate Homes

City Towns Valley Lands in Brampton

fieldgatehomes.com

D

Fieldgate Homes

Lotus Pointe Caledon

905-838-2806

D

Fieldgate Homes

Valley Lands

905-457-0445

D

Great Gulf

Trafalgar Landing

905-844-1605

Great Gulf

Westfield

905-866-6876

D

Greenpark Homes

Saddle Ridge

saddleridgemilton.com

D

S

Greenpark Homes

Upper Oaks

upperoaks.ca

D

S

Mattamy Homes

Hawthorne South Village

mattamyhomes.com

D

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

Mattamy Homes

Mount Pleasant Village

mattamyhomes.com

Mattamy Homes

River Mill

mattamyhomes.com

Mattamy Homes

The Preserve

mattamyhomes.com

Mattamy Homes

Topper Woods

mattamyhomes.com

T

Mattamy Homes

Wildflowers

mattamyhomes.com

T

Primont Homes

16 Mile Creek

primonthomes.com

Primont Homes

Newtowns at Mount Pleasant

primonthomes.com

Primont Homes

Seasons in Caledon

primonthomes.com

Starlane Home Corporation

Lotus Pointe Caledon - Phase 2

starlanehomes.com

D

Starlane Home Corporation

Mountainview Heights

starlanehomes.com

D

S

T

Starlane Home Corporation

Saddle Ridge

saddleridgemilton.com

D

S

T

from $650,000

Starlane Home Corporation

Upper Oaks

upperoaks.ca

D

S

Treasure Hill Homes

Tiara Estate Collection

treasurehill.com

T

from $1090,000

North

T D T D T D

S T

from $2360,000

D

West

17

23

BC

23

C

S

S

from $190,000

T

from $500,000

T

from $400,000

26

9P

T

from $724,000

23

8M

T

from $800,000

26

9P

T

from $200,000

30

8V

from $537,000

24

8P

59

6S

60

7O

93

8O

29

7V

T

92

5U

T

25

7O

27

8M

23

8M

78

11L

T

from $650,000

T T

D

C

T

S

T

from $715,000

T

Property Type D Detached S Semi-Detached T Townhome

projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

SITE

CONTACT INFO

PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

Central D

9

Andrin Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

19

Averton Homes

Averton Common

416-646-9898

19

Averton Homes

Corporate

Averton.ca

T

19

Averton Homes

Evolution

416-747-9691

Fieldgate Homes

90 Niagara

416-981-0036

from $720,000

68

18F

from $690,000

80

13L

T

from $320,000

75

13R

D

T

from $346,000

35

16S

T

from $620,000

14

19G

from $700,000

12

22J

53

16L

3

12K

36

16R

from $720,000

68

18F

from $500,000

1

16Q

C

Fieldgate Homes

Aurora Trails

fieldgatehomes.com

D

17

Fieldgate Homes

BlueSky Stouffville

fieldgatehomes.com

D

17

Fieldgate Homes

City Lux Towns

fieldgatehomes.com

D

17

Fieldgate Homes

IMPRESSIONS

905-893-9500

D

Fieldgate Homes

Zigg

416-545-0223

D

Great Gulf

Corporate

416-449-1340

Lakeview Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

Madison Homes

Briar Hill

madisonhomes.ca

Madison Homes

Cornell Rouge

905-472-9556

D

from $890,000

16

23M

Madison Homes

REALTowns Thornhill

Madisonhomes.ca

D

from $1000,000

85

17L

Madison Homes

Thornhill Ravines

905-417-1203

D

from $1800,000

53

16L

Madison Homes

Zigg

ziggcondo.com

D

from $380,000

10

18J

21

Marlin Spring

Canvas Condominiums

canvascondos.ca

from $200,000

97

19R

21

Marlin Spring

Tazzo Townes

tazzotownes.com

T

94

21L

21

Marlin Spring

The Mack

liveatthemack.com

T

79

15K

21

Marlin Spring

Westbeach Condominiums

westbeachcondos.ca

96

18R

Mattamy Homes

Alderidge

mattamyhomes.com

82

13S

Mattamy Homes

Canopy at Downsview Park

mattamyhomes.com

37

15P

Mattamy Homes

Cornell

mattamyhomes.com

D

T

17

22M

Mattamy Homes

Corporate

mattamyhomes.com

D

T

Mattamy Homes

Downsview Park

mattamyhomes.com

37

15P

Mattamy Homes

Kleinburg Summit

mattamyhomes.com

D

T

84

13K

Mattamy Homes

Richmond Green

mattamyhomes.com

D

T

41

18K

Mattamy Homes

Thomson Towns

mattamyhomes.com

T

95

20P

Mattamy Homes

Upper Summerside

mattamyhomes.com

42

19R

Mattamy Homes

Vita on the Lake

mattamyhomes.com

39

14S

Primont Homes

Corporate

primont.com

Primont Homes

JadeGarden at Cornell

primonthomes.com

55

22M

Primont Homes

Renaissance Townes

905-417-3363

T

5

15K

Primont Homes

Uptowns on Bayview

primonthomes.com

T

9

18K

Rosehaven Homes

Corporate

rosehavenhomes.com

T

Treasure Hill Homes

Aurora Views on Wellington

treasurehill.com

T

from $1460,000

57

19H

Treasure Hill Homes

Time

treasurehill.com

T

from $600,000

72

18H

Treasure Hill Homes

Victory Heights

treasurehill.com

T

6

18L

19

Averton Homes

Beacon Hill Bowmanville

905-674-6166

19

Averton Homes

Main Street Seaton

289-545-0022

70

25N

9

5

IFC & 1

7

13

15

T S

T

from $1200,000

T T

D T S

T C

from $720,000 C

D

S

S

from $1230,000

C

T C

from $350,000

T S

T from $750,000

East

continues on page 47

D

from $400,000 from $390,000

Property Type D Detached S Semi-Detached T Townhome

Baxter

Line

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10th

11th

8th

A

rte si Disse tte an In d

6th

5th

Line

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Scotch

W eston Rd

Mo rn

Am eric an Dr

Ma St in

Rd

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Simco

Ave Bayvi w

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Clay

SC a

tC an al

Conc

7th 6th

4th

7th

Conc

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Toronto

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Mulmur

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Horning’s Mills

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Fowler Rd

Woodley Rd

New Park

Skelding Rd

Dawson Rd

Gibbs Rd

Aked Rd

Clemens Rd

Allin Rd

Mosport Rd

Best Rd

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Concession 2

Murphy Rd

Longsault Rd

K

17

Cooney Rd

M Clarington Concession Rd 7

Jewel Rd Vickers Rd

Gamsby Rd

Lawrence Rd

Pollard Rd

35 115

Bell-wood Dr

Arthur St

Golf Course Rd

Moffat Rd

Lockhart Rd

King St Stephenson Rd

Mill St

Riley Rd

V

Squair Rd

East Region

U

Kirby

Ochonski Rd

Bennett Rd

Waverly Rd

T

West Region North Region

42

Darlington Clarke Townline

Providence Rd

Lambs Rd

Bowmanville P

S

Central Region

Nixon Rd

O

Concession Rd 3

Main St

Queen St E

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4

Leskard Rd

N

Bragg Rd

Mearns St

Baseline Rd

Cole Rd

Mearns Ave

Concession St 57

Bethesda Rd

Green Rd

14

Acres Rd

Middle St

Liberty Rd

Presto nva le R d

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Sdrd

English Rd

Dukelow Rd

17

Cameron Sdrd

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Cr

Holmes Point Rd Victoria S

M tP lea sa nt Tr ail

Duclos Rd

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Concession 6 Concession 5

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Cedar Park Rd

Sew ells

Dick Re

River Rd

Wilson Rd

Mahoods Rd Cartwright East Quarter Line

Lettner Rd

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H Corneil Rd

A Ray Rd

St ou ffv ille

La ke Dr

du stri al Pkwy

F Hall Rd

M James Rd

St

Ted Graham Rd

Allan Long Rd

Johns Rd

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Salem Maple Grove Rd

Maple Grove

Sand Bar Rd

Dovehaven Rd

McLaughlin Rd

Holt Rd

2

Hancock Rd

401

Rundle Rd

Trulls Rd

34 Bloor St

HWY

Concession 12

Concession 3

Taunton Rd

Nash Rd

G

J

Hampton

Solina Rd

Pebblestone Rd

Courtice Rd

e Murray Av

Concession Rd 6

Mitchell’s Corners Tooley Rd

59

Solina

Washington Rd

Olive Ave

Vannest Rd

Townline Rd

P

East Ave Port Union Rd

ll i p

Enniskillen 3

Old Scugog Rd

Ormiston Rd Langmaid Rd

58 King St

Bond St Gibb St

8855

62 hi

Union School Rd Wotten Rd

Enfield Rd

Townline Rd

35

22 rth St Went wo

60

Hoyer Rd

Nestleton Rd

Cartwright West Quarter Line

Sandy Rd

Graham Rd Russell Rd

Wilson Rd

Burns St

54 Adelaide Ave

Park Rd

Stevenson Rd

Halls Rd

Pickering Beach Rd

Shoal Pt Rd

Henry St

Hopkins St

Dundas St

34

Grandview St N

Harmony Rd

53

Valentia Rd

Ogemah Rd

Washburn Island Rd

Rd

Harmony Rd N

Ritson Rd

Stevenson Rd N 52

Grandview St N

Simcoe St

Thickson Rd

Anderson St Garden St

Cochrane St

Victoria St

Oshawa

28 Ma nn in g Rd 36

4

Concession Rd 10

Concession Rd 7

Conlin Rd

2

Mountjoy Rd

57

Janetville

Fallis Rd

Cadmus

Devitts Rd

Concession Rd 9

33

Nestleton

McKee Rd

57

Byers Rd

3

71

Whitby Brock St

3143

Ritson Rd

Thornton Rd

Columbus

Malcolm Rd

Edgerton Rd

Bradburn Rd

Burketon

Boundary Rd

Winchester Rd

16

Mariposa/Ops Bdry

Bush Rd

Eldon Rd

Beacroft Rd

Mississaugas Trail

He ad

Stevenson Rd N

Duffs Rd Cedarbrook Tr

Country La

12

Taylor’s Rd

White Rock Rd

Fingerboard Rd

Sim coe St

Diamond Sideroad

Bryant Sdrd

Country La McQuay Blvd

Halls Rd

Salem Rd

Westney Rd

Harwood Ave

Squire Beach Rd

Sandy Beach Rd

eE Av

44

Cochrane St

Coronation Rd

Halls Rd N

Ravenscroft Rd

24

Columbus Rd

3

91

41

Ashburn Rd

Kinsale Rd

Salem Rd

Westney Rd

Ajax

26

Eden Rd

Eldon Rd

Barry’s Rd

Station Rd

57

Church St

19

Raglan Rd

Raglan

7 12

Howden Rd

Lyndebrook Rd

Taunton Rd

Shirley Rd Coates Rd

Myrtle

Brooklin

Rossland Rd 31

Scugog Line 3

t Rd

Heron Rd

Sideline 2

Brawley Rd

Greenwood

2

Bayly St

Myrtle Rd

Scugog 2

Scugog Line 2

Ashburn

5th Concession Rd

HWY

Rd

Dagmar Rd

Sideline 4

31

oin

Concession 14

Proutt Rd

Reach St

Grey Sideroad

Rd st Ma High P

Lakeridge Rd

Balsam Rd

Greenwood Rd

Riverside Dr

Church St

Liverpool Rd

ton gs Kin

Sheppard Ave

Lawrence Ave E

West Hill

Valley Farm Rd

Finch Ave

38

Brock Rd

Whites Rd

Dixie Rd

Rosebank Rd

27

70

Pine Pt Rd

Ma Brown’s Rd

Chalk Lake Rd

Mount Zion Paddock Rd

Sideline 22

Sideline 22

Concession Rd 3 Altona Rd

Guildwoo d P

44

Balsam Sideline 5

Sideline 24

7

rd pa ep Sh

Meadowvale Rd

nR sto ng Ki

Beare Rd

Scarborough 42 St Clair Ave E Rd rth nfo Da

Milner Ave

Military

Morningside Ave

Dr

Bellamy Rd

Midland Ave

Daw es R d

Coxwell Ave

Woodbine Ave

Greenwood Ave Donlands Ave Jones Ave

Victoria Park Ave

Eglinton Ave E

Old Finch Ave Rd

4th Conc Rd

Plug Hat Rd

il Tra

Brim o rt on

Scarborough Golf Club Rd

Brimley Rd

Pharmacy Ave

ath le P Brid

Birchmount Rd

95Ellesmere Rd

Sewells Rd

401

Don Vally Pkwy

Don Mills Rd

Neilso n R d

Nugget Ave

E Ave evin McL

Whitevale

Sideline 12

Pickering

407

Westney Rd

Sideline 14

Sideline 22

Sideline 24

Steeles Ave E

Sideline 14

Sideline 16

Sideline 20

Sideline 26

North Rd

Sideline 28

71

Box Grove

Tapscott Rd

Middlefield Rd

Leslie St

tingwood Dr H un Sheppard Ave

O’Co n

7

11th Line

ark Dr

Denison St

404

Mortimer Ave

Sideline 34

14th Ave

71

Markham Rd

n Rd Alde

ppard Ave

rD no

7th Concession Rd

8th Concession Rd

Whitevale Rd

Agincourt

erlea Blvd Ov

wy

7

Passmore Ave

Eglinton Ave W

ns P k

17 16 Locust Hill 55

HWY

McNicoll Ave

st Rd

u se

Markham-Pickering Townline

Co

9th Line

Unionville

Esna P

mmer Ave

n Ave

d

Main St

Woodbine Ave

Leslie St 12

ornhill

lowdale

17th Ave

94

Markham 73

07

John St

Major Mackenzie Dr

25

al

16th Ave

Reesor Rd

6

69

Glen Major

Claremont

Rd

Jobb Rd

Uxbridge Pickering Townline

5

Elgin Mills Rd

67

Webb Rd

Altona

Dicksons Hill

48

D on

Warden Ave

mond Hill

65 Kennedy Rd

Victoria Square

McCowan Rd

919th Ave

29

41 49

Main St

nd Isla

Scugog Line 4

F

Mabels Rd

L AKE SCUGOG

Beacock Rd

Pine Rd

1

Sideline 32

Jefferson

Glasgow

Stouffville 12 10th Line

Rd

Stouffville Rd

14

n Sideroad St

Markham Rd

10

Bethesda Rd

Bethesda

Houston Rd

Allbright Rd Brock Rd

Yonge St

Sunset Beach Rd

Secord Rd

Demara Rd

Utica

40

Whitchurch-stouffville

Harper Rd

Scugog Line 6

Ried Rd

Cottage Rd

Rainbow Ridge Rd

Pogue Rd

Whitfield Rd

Epsom

E

28

7

Scugog Line 8

Ward Rd

.

La ier oz Cr

7

Cross Creek Rd

7 Mile Chandler Dr Island Rd

8

21

47

34

Sideroad 18

R

Goodwood Rd

HWY

Till Sdrd

Uxbridge

Prouse Rd

Old Simcoe Rd

Brookdale Rd

47

Hood Dr

Clements Rd

Scugog Line 9

HWY

D

Ramsey Rd

L

17

Kent St

4

Cricket Hollow Rd

16

Cookston Rd

C

Ranch Rd

Seagrave

Scugog Line 12

Scugog Line 9

Medd Rd

Wagg Rd

Hillsdale Dr

Sideroad 18A

O’Beirn Rd

8th Conc Rd

d

47

7th Conc Rd

Vandorf Rd

Aurora

Ridge Rd

Jesse Thomson Rd

8

Re ach St

HWY

6th Conc Rd

Aurora Rd Lak es

Sideroad 18A

Ballantrae 15

e hor

enderson Dr

Wesley Cors

8

7 12

Cragg Rd Canton Rd

Roseville Siloam

St Johns Rd

4th Conc Rd

57

St John’s Rd

Ball Rd 23

3nd Concession Rd

72

14

Scugog Line 12

Uxbridge

2nd Concession Rd

Bayview Ave

Wellington St

Woodbine Ave

26

Saintfield Marsh Hill

4

Long Rd

Little Britain Rd

Little Britain Rd

Zion Rd

Algonquin Rd

Spadina Sdrd

Cherry St Faulkner Ave

Bogarttown

Royal Oak Rd

Fenelon Bdry

Dewdrop Rd

Cresswell Rd

Salem Rd

Little Britain Rd

6

B

Taylor Corners

Farmstead Rd

Kawartha Lakes

Brock-Scugog Townline Rd

Blue Mountain Rd

Marsh Hill Rd

1

St John’s Sideroad

Bow St

Farmstead Rd

Pinedale

Scugog Line 14

1

Davis Dr

Cedar Valley

Vivian Rd

74

Blackwater Rd

Mulock Dr

7 7th Concession

6

Oakwood

7A

Cambray

GrahamRd

13

Victoria Corners Rd

A

18

Manilla

2nd Concession

Victoria Corners

9

Skyline Rd

9th Concession

6th Concession

Foster Dr

Feasby Rd

York-Durham Line

Newmarket

11

Wetheral Sdrd

Davis Dr

Sandford

Sideroad 17

68

Weirs Rd

4th Concession

13

Kennedy Rd

Sandford Rd

Sunderland

Sideroad 17

West Franklin

King St

Sideroad 17A

19

Bales Dr

8th Concession

Goos

Quaker Rd

5th Concession

Shier Rd

Herald Rd

St

Vallentyne

8th Conc Rd

ain M

13

6th Concession Rd

Green Lane

ller’s Sideroad

23

Zephyr Rd

Leaskdale Rd

Ashworth Rd

69

9th Concess ion

Rd Franklin

38

Udora

Peniel Rd

46

10th Concession

21

Camero 9

Rd

Black School Rd

11th Concession

Islay

Rd

9

Valley

33 The Glen Rd 34

12

9th Concession

Vrommanton

6

Grasshill

Woodville

32

2

5th Concession Rd

Mount Albert Rd

13

12

Hollingers Rd

82

Linden

Cannington

10

5th Concession Rd

65

39

t

St

31

Derryville 12

Woodville

King

2

Concession

30

Brock

10th Concession

Fowlers Rd

4th Concession Rd

Farr Ave

13

Brewster Rd

Zephyr

Meyers Rd

Doane Rd

Bridle Path

Centre St

51

Rd

Morning Sdrd

77

Hornes Rd

East Gwillimbury

Doane Rd

ng ndi La

d

d

Queensville Sideroad

Queensville

86

45

51

48

Ravenshoe Rd

39

3rd Concession Rd

1 Ho am Sdrd lla nd d

Cedarbrae

Foot Dafoe St St

Holborn Rd

Orchard Ct

Rd

Old Shiloh Rd

Leitch Rd

Cole Rd

3

2nd Concess ion

77

Sand Rd

mp Ho us e

Smith Blvd

Brown Hill

Boag Rd

Maple Hill

8

Wilfrid

21

Hartley

Lorneville

14th

29

Sideroad 17

Ravenshoe

Cedarbrook Dr Rd

Old Homestead Rd

28 13th Concession

Brock Rd

Boag Rd

Rd

Morning Glory Rd

Georgina Prout Rd

38

Holborn Rd

ing ter Ca

2nd Concession Rd

Holland Marsh Leslie St

10th Line

32

27

Rd

Q u a r ter

Lorneville

46

Brock-Thorah Townline East

Concession

81

Frog St

Miles Rd Blake Ave

Ravenshoe Rd

Rd

Carley Rd

The Queen sway

West ury

st re nc ve Ra

79

Audubon Way

Dr

Glenwood Ave

Line 12

18

Latimer Rd

26

Concession Rd 3 Thorah

Concession Rd 2 Thorah

48

14th

Lake Ridge Rd

Pollock Rd

25

Dr

g Irvi n

Weir’s Sideroad

Morton Ave

COOK’S BAY

Line 13

Cryderma n’s Rd

Fennell

24 Park Rd

Baldwin Rd

Virginia

Lloyd Sdrd

23

Mile Lane nt ry Bethel Side Rd

Church St

Gilford Rd

Rd

BrockThorah Twnl W

Thorah Beach Port

Point

P e ff e r l a w

22 Cou

Old Homestead Rd

River

Sutton

Stoney Batter Rd

21

Black Hi

Rd 9 ing

Lockie Sd Rd

Island View

Maple Beach

Duclos Point

Rd

Virginia Blvd

Base Line Rd

8A

Briars 80 Pk

St gh

20

Jacksons Point

3

Rd

e dge

Park Rd

3

Deer Park Rd

Boyers Sideroad

Rd

Lasher La Valley Vie w

4

DeGrassi Point

19

20th Sideroad

18

Line

h ore

Dalton Rd

chill

The Que ensw ay

Harbour St Pine Ave

Killarney Beach Rd

Roches Point

Island Grove

Metro Rd

Willow Beach

Rd

t tS ar Ew

39

3rd

e Lak 78

H

Belle Aire Beach Rd

Lake

Dr

S

d eR

Mapl

nisfil

23

Nantyr Park

Civic Cen tre

20th Side road

Line

Line

Old

7th

6th

Cate r

Nantyr

John’s Rd

Barclay

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