GTA New Home Guide - Feb 22, 2014

Feb 22 - Mar 8, 2014 Volume 22 Issue 4

INSIDE THIS ISSUE

HOW AFFORDABILITY AFFECTS US ALL

INSPECT YOUR HOME BEFORE YOU MOVE IN

TAX ADVICE FOR REAL ESTATE INVESTORS

ASPIRE FOR OPEN CONCEPT DESIGNS THAT FEEL INTIMATE. What makes for good design? At Aspen Ridge, we believe it’s the moment your aspirations become actualizations. The moment your dream kitchen becomes a space where you sip, stir and savour in. When interiors not only have the best finishes, but the finishes that work best with your tastes. Trends fade. Style changes. But good design, it withstands the test of time. It’s what you aspire for.

Model Homes Now Open at

Aspire to great design.

MODEL MANIA NOW SHOWING 5 Communities and 9 models from 3 of Toronto’s leading interior designers.

Upper Cornell MARKHAM Kettle Lakes Club RICHMOND HILL King Country Estates NOBLETON Kleinburg Hills KLEINBURG King Oaks KING CITY MORE INFO AT aspenridgehomes.com

NOW OPEN Credit Manor Heights & Mayfield Village BRAMPTON MORE INFO AT aspenridgehomes.com

COMING SOON Upper West Side THORNHILL Woodland Hills NEWMARKET

© Aspen Ridge Homes. Prices and specifications are subject to change. See sales representative for details. All Rights Reserved. E.&O.E. February 2014.

REGISTER NOW AT aspenridgehomes.com

contents Feb 22 - mar 8, 2014 || volume 22 issue 4

on the cover

p. 32

community focus features 24 Kleinburg

Feb 22 - Mar 8, 2014 Volume 22 Issue 4

Fieldgate Homes

Get ready for a spring sales event in popular family community

monarch

38 Vaughan

Madison Homes

Grand Opening of model homes at Kleinburg Crown Estates

Experience luxury living at Thornhill Ravines

54 Alliston

FarSight Homes

Award-winning quality and value in Alliston

60 Aurora

Mattamy Homes

INSIDE THIS ISSUE

HOW AFFORDABILITY AFFECTS US ALL

INSPECT YOUR HOME BEFORE YOU MOVE IN

TAX ADVICE FOR REAL ESTATE INVESTORS

Mattamy offers fresh designs at St. John’s Forest

86 Brampton

Starlane Homes, Greenpark Homes & Treasure Hill Homes Vales of the Humber: exclusive new luxury community

regular and special features in every issue

homebuyers’ help

in the news

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

50

62

Kylemore Communities

111 Resource Section

64

Finances

columnists

115 GTA Hot Sheet

68

14

BILD

Report

Affordability affects all of us

by Bryan Tuckey

28

Tax tips for the young and restless Mortgage Calculator and Rate Table Two pages of new openings, new releases and preview registrations

Kylemore preserves tradition of education in Markham building More Canadians contributing to RRSPs ahead of deadline: BMO

Mortgages

Promoting greater understanding of mortgage risks for consumers

Tarion Report

Inspect your new home carefully – before you move in

by Howard Bogach

34

Tax Time Tips

54

Fundamentally Speaking

Location, information and timing the new adage in real estate

by Wayne Karl

42 Quick Tips

Take time for yourself

by Hellen Buttigieg

44 Mortgage Advice

U.S. tapering and its effect on Canadian mortgage rates

by Alyssa Richard

46

Make Your Move

10 tips for moving with dogs

by Chuck Resnick

48

Taxing Issues Building equity

by Henry Choo Chong

52

Legally Speaking

Considerations for buying foreign property

by Jayson Schwarz

90 The Tax Man

To incorporate or not: strategies for real estate investors

by George Dube

86

//editor’s note

How best to select a builder?

A little extra research pays off with peace of mind

Y

Susan Legge

Editor-in-chief Wall2Wall Media

ou’ve agreed that a new home is the way to go and you’re making headway, but you still have another big decision to make – choosing your home builder.

It pays to check the reputation of the builder/developer before you sign on the dotted line. You can start by finding out how long the company has been in business by asking the sales representative or visiting the company’s website.

Find out if previous purchasers are happy with their homes. Drive around an existing community built by the company and talk to anyone you run into anyone during your tour.

Naturally, you should spend some time visiting several different sales offices

and model homes. Get a feel for each company and the staff employed there.

Ask a lot of questions and expect to be treated with consideration and respect.

No question is too “dumb.”

Think twice about any development where the salespeople push you to make a decision you’re not ready for, or where they are not happy to provide you with the information you request.

There are certainly many other builders and salespeople out there who pride themselves on putting the customer first.

When you do find the right home and the right company, making that big decision will be a whole lot easier and enjoyable.

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

Be prepared This adage is never more true than when buying your first home

T

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 | feb 22 - mar 8, 2014

he moment you decide to buy your first home is an important one – from getting your finances in order, to learning about mortgages, to researching builders and to getting out there to look at potential communities. Indeed, the excitement grows at every step.

Buying your first home can also be an emotional experience.

There will be houses you fall in love with, communities you really want to live in and neighbours you can envision befriending.

As exciting as all of this is, it’s also important to not let your emotions

get carried away – to buy more with your heart than your head. This is why you should take your time, do your research and conduct due diligence on every development, builder and home you consider.

This issue of New Home Guide, like all editions we put together, contains a variety of content to guide you through this process. Our goal is to help identify subjects, neighbourhoods, communities, housing types and builders for you to consider – in short, to help you prepare.

With this knowledge, and your own enthusiasm, you’re well on your way!

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 : FINAL RELEASE MARCH 22 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.

FEB 22 - MAR 8, 2014 | NEW HOME GUIDE GTA 5

My Dwell – Etobicoke Design Forward Townhomes North of Burnhamthorpe Road, off the West Mall NOW OPEN Starting from the mid $300’s 416.259.2525

menkes.com 6 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

My Humber Mews – Etobicoke Designer Townhomes Browns Line & Evans Avenue, Etobicoke NOW PREVIEWING Starting from the $480’s 416.255.7468

My Enclaves – Georgetown A community within nature’s glory Semi Links Guelph Street & MacFarlane Drive, Georgetown NOW OPEN Starting from the low $400’s 289.891.9103

My Bloom – North York A masterplanned, all Townhome community Bathurst Street & Finch Avenue, North York UNDER CONSTRUCTION Starting from the low $300’s 416.730.1600

My Somerset – Ajax Durham’s Community & Model Home of the Year 37' & 42' Detached Homes Salem Road North & Williamson Drive East, Ajax UNDER CONSTRUCTION Starting from the low $500’s 905.428.0500

My Millstone – Oakville Urban Townhomes Dundas Street West, east of Bronte Road, Oakville NEW RELEASE Starting from the low $300’s 905.825.3619

MY STOREYS. MY MENKES. Facebook.com/MenkesLife

@MenkesLife

FEB 22 - MAR 8, 2014 | NEW HOME GUIDE GTA 7

mattamyhomes.com

New Release, New Variety In Our New Hawthorne Village Neighbourhoods!

Today we’re offering new Townhomes and Detached Homes in Mattamy’s most awarded community of Hawthorne Village.

We’re open with a new release of our most popular and affordable Village Homes, brand new 2-Storey Townhome and desirable Rear Lane 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.

8

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

Elev. ‘B’ Elev. ‘F’

2-Storey Townhome, The Springvale ‘F’, 1,764 Sq.Ft., $412,990

Rear Lane Townhome, The Ancaster ‘C’, 1,579 Sq.Ft., $369,990

To QEW

Winston Churchill

Sales Office

Trafalgar

Townhomes From $306,990 • Detached Homes From $444,990

James Snow Parkway

36' Home, The Lancaster ‘F’ 2,179 Sq.Ft., $550,990

Trudeau Dr.

30' Home, The Nobleton ‘F’, 1,778 Sq.Ft., $477,990

4th Line

Village Home, The Dorchester ‘B’, 1,139 Sq.Ft., $316,990

Elev. ‘C’

Derry Rd. E

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

tarion report

quick tips

make your move

Mortgage advice

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.

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

Contact Hellen at 905.829.2219 or info@weorganizeu.com

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

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

Howard Bogach

Hellen Buttigieg

Chuck Resnick

Alyssa Richard

#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 | feb 22 - mar 8, 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

490's

$

from the

From 1,737 Sq.ft.

cornellrouge.com

MARKHAM

Singles on 30’, 36’ & 40’ lots

$600's

from the

From 2,057 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

12 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

FEB 22 - MAR 8, 2014 | NEW HOME GUIDE GTA 13

//bild report

Affordability affects all of us » by bryan tuckey Every year, the home building and land development industry is tasked with the challenge of building quality, complete communities for up to 100,000 people and 50,000 jobs that choose to come to the GTA each year.

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).

It’s no small feat, especially when the industry’s biggest challenge is to ensure that these people can afford to purchase these homes without sacrificing quality.

But with constrained land supply, an outdated approvals process and rising government fees and charges, it is becoming increasingly difficult to do so.

In fact, building homes and businesses that people can afford is an issue that poses a significant challenge for the industry, new-home buyers and every resident in the GTA. The building and development industry is one of the biggest economic engines in the region, creating more than 200,000 jobs each year. At the end of 2013, sales of new homes and condominiums in the GTA totaled just 28,406 – the second-lowest in the last 10 years.

It’s time for the industry, government and new-home buyers to start watching this market very carefully because today’s sales are tomorrow’s jobs.

Land supply has been an issue in the GTA for several years, with land prices more than doubling in the past decade.

This diminishes the amount of new products our members can introduce into the market, and with less inventory come higher prices.

14 New home guide GTA | feb 22 - mar 8, 2014

Land supply has been an issue in the GTA for several years, with land prices more than doubling in the past decade. This diminishes the amount of new products our members can introduce into the market, and with less inventory come higher prices.

According to RealNet Canada Inc., the price index for a new condominium suite in the GTA is $436,564 while ground-related homes average as high as $654,147. While pricing in the highrise sector has stabilized, new lowrise homes have more than doubled in price in the last decade and continue to grow.

That puts homeownership out of reach for many prospective purchasers, especially first-time buyers and new Canadians who are already struggling to save up for a down payment.

According to the Altus Group, government fees and charges make up a considerable portion of the cost of a new home and are paid by new home purchasers. For a new highrise condominium, these charges can add up to more than $64,000 – just below 20 per cent of the total cost. In the lowrise sector, that number jumps to 23 per cent and more than $116,000 on average.

Many of these charges are unnecessary and a result of outdated zoning bylaws across multiple municipalities. Municipalities must ensure that local Official Plans and zoning by-laws are up to date in order to help our industry implement the intensification policies set out by Places to Grow and save new-home purchasers money.

This was one of many solutions put forth to the Ontario government by BILD and OHBA as part of the province’s public consultation of the land use planning system, as well as the Development Charges Act and Land Use Planning & Appeals Systems.

You can read all the recommendations by visiting our official blog at bildblogs.ca and typing “submissions to the provincial government” in the search box.

We are all in this together – the industry, government and the consumer – and we must work collaboratively and with integrity to find solutions.

Despite these challenges, the new homes market in the GTA remains optimistic as stabilized condo pricing, low interest rates and strong demographics have contributed to five straight months of positive year-over-year sales. If you’re in the market for a new home in the GTA, now is a great time to buy.

FEB 22 - MAR 8, 2014 | NEW HOME GUIDE GTA 15

16 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

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

Register Now 1-800-565-5150

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

FEB 22 - MAR 8, 2014 | NEW HOME GUIDE GTA 18

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

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

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 | Impressions

//COMMUNITY FOCUS

Semi-detached Pichot Elevation A, 1,779-sq.-ft., a great elevation with a covered porch and second-floor balcony

Get ready for a spring sales event in Vaughan’s most popular family community

KLEINBURG

LOCATION Kleinburg HOUSING TYPE Townhomes and semis with two-car garages from the $540’s, and 30-ft. detached homes from the $580’s CONTACT 905.893.9500 fieldgatehomes.com

S

pring is almost here, and there’s never been a better time to discover Impressions — a breathtaking master-planned community that features more than 70 acres of greenspace, community parks, ponds and two proposed community schools. Featuring stunning homes in an ideal location minutes from the heart of the historic village of Kleinburg. This is without a doubt one of the finest new home communities growing in the GTA. The current release features townhomes and semis, both with two-car garages, from $539,990 and 30-ft. detached homes from $579,990. Adding to the exceptional collection of homes available at Impressions, this release boasts an amazing selection of brand new designs. There’s such an abundance of selection that Homebuyers are sure to find something that meets their families’ lifestyle and needs. With construction already underway, this community is certainly taking shape, and you won’t have to wait long to start enjoying life in this exquisite family home community. Also, there are a number of homes currently available with early closings.

One of the many fine models currently available at Impressions is the 28-ft. semi-detached, three-bedroom, two-car garage Pichot Elevation A. Offering a stylish ...continued on pg 26

24 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

25

//COMMUNITY FOCUS...continued

The impressive selection of nearby amenities extends well beyond those offered by this quaint Kleinburg setting.

and functional floor plan, this 1,779 sq. ft. gem of a home is one of the most outstanding models in Fieldgate’s innovative Laneway Collection. Designed with rear-facing double-car garages, these laneway homes maximize space while allowing for breathtaking elevations at the front of the home. The Pichot’s front elevation features large windows and a charming covered porch, creating an impression of classic small town elegance.

The Pichot offers the option to include a separate side door entrance as well. The interior of the home is perhaps even more remarkable. The main floor features a large formal room and a spacious gourmet kitchen. Beyond the kitchen is a Great Room, which is linked by a breezeway to the garage at the back of the home.

Maximizing on space, the breezeway features both a laundry room and a powder room. Behind the Great Room and adjacent to the breezeway is an intimate courtyard, perfect for backyard barbecues. Upstairs, the master suite boasts a walk-in closet and lavish ensuite, which includes a separate oval soaker tub and shower. Bedrooms two and three offer large closets and convenient proximity to the main upstairs bathroom. The Pichot is priced from $539,990.

Throughout all of the GTA, there’s no place quite like the Village of Kleinburg.

Perfectly nestled between the east and west branches of the Humber River, Kleinburg offers all the pleasures of small town life just minutes from the big city conveniences of Vaughan and the surrounding area. This is a place where the old and the new are weaved together to create a vibrant tapestry of inspired community living — a place that celebrates arts and culture, a place that celebrates family and friends. Kleinburg’s main street is the perfect setting for a leisurely afternoon stroll past charming boutiques, cafés and restaurants. This is also a community that celebrates our nation’s rich cultural heritage: the village is famously home to The McMichael Canadian Art Collection, an exclusive showcase for Canadian art. For nature lovers, the Kortright Centre for Conservation — renown for its hiking, bird watching and outdoor education programs — is just minutes away, along with Bindertwine Park’s breathtaking walking trails, as is Copper Creek, one of the GTA’s premier golf clubs. The impressive selection of nearby amenities extends well beyond those offered by this quaint Kleinburg setting. Vaughan’s many other charming neighbourhoods also offer convenient shopping destinations — such as Vaughan Mills — boasting a host of major retailers and top name brands. Commuting is made easy with Hwys. 27, 400, 427 and 407 all just minutes away.

To learn more about Impressions, visit fieldgatehomes.com today or to speak with a sales representative call 905.893.9500.

26 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

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

/starlanehomes

*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.

27

//TARION REPORT

INSPECT YOUR NEW HOME CAREFULLY –

before you move in » by HOWARD BOGACH One distinction between buying a new home in Ontario, versus an older resale, is the mandatory warranty that most single-family homes and condominiums come with – supplied by your builder and guaranteed by Tarion. The warranty

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.

ensures that homeowners receive a new home that is constructed in a workmanlike manner, is free from defects in material, is fit for habitation and is constructed in accordance with the Ontario Building Code. The first chance home buyers get to inspect their new home is during the Pre-Delivery Inspection, also known as the PDI, which takes place before you move in.

Your builder is required by Tarion to conduct a PDI with you on or before the day you take possession. This is your opportunity to view your home in its entirety, learn about how to maintain it and take stock of anything that may be damaged, incomplete, missing, or not working properly.

The New Home Buyer section on tarion.com has a number of resources to help you prepare for your PDI such as the PDI checklist and a guide to Getting Ready for the PDI.

You may be excited to show it off to your friends and family, but this is not the time. The PDI is an important part of taking possession of your new home and deserves your full attention. If you are not able to attend yourself, you can ask someone you trust to be there on your behalf.

During the PDI, you should carefully examine your home both inside and out. Look for things such as chips in bathtubs and sinks, scratches on countertops, damage to floors, walls, cabinetry or other finishings, and doors and windows that are not secure or do not open and close easily.

Outside, check things such as the quality of brickwork and siding, whether window screens have been installed, and the appearance of the driveway and landscaping.

Your builder’s representative will note everything down on a PDI form. Review the form carefully to make sure it’s complete. This will become the official record of the condition of your home before you moved in. In case of a disagreement between you and your builder over whether any damage occurred before or after you took possession, we will refer to the notes on your PDI form.

If for any reason, the condition of the home makes it impossible to accurately assess its condition – for example, if there is still too much construction dust or debris covering the surfaces, you should ask the builder’s representative to reschedule the inspection until the home is cleaned. Sometimes, due to weather or other factors, you may not be able to inspect a certain item. If you are unable to assess something during the PDI, simply make note of it on the form.

Use the PDI as an opportunity to ask questions and learn about how your home functions. Your builder will show you how to operate your home’s systems, such as heating, electrical, air conditioning and plumbing, and provide you with operating manuals.

The New Home Buyer section on tarion.com has a number of resources to help you prepare for your PDI such as the PDI checklist and a guide to Getting Ready for the PDI. You’ll also find the Homeowner Information Package, or HIP, which your builder will provide on or before your inspection date. I always recommend buyers read the HIP before their inspection. Being informed and well prepared is the best way to start your homeownership experience!

If you have questions about your warranty, visit tarion.com or find us on Facebook at facebook.com/tarionwarrantycorp

28 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

UPTOWNES AT CARDINAL POINT DELIVERS

E@D?G>5C 1D 3 1 B 4 9 > 1 < @ ? 9 > D

THE CAREFREE

DOWNTOWN COMES UPTOWN WITH AN EXCITING NEW TWIST Enjoy the carefree condo-lifestyle for thousands below city prices at Cardinal Point – Geranium’s Master Planned Ravine Community in Stouffville.

Within walking distance of GO Transit, theatre, parks, art centre, shopping, dining and more, Uptownes has everything you love just steps from your door.

BILD 2012 HOME BUILDER OF THE YEAR CHBA 2011 GRAND SAM AWARD WINNER Prices are correct at press time and are subject to change without notice. Specic features are as per plan and series. Sq.ft. measurements are approximate. Map not to scale.

CONDO LIFESTYLE FLAT FL AT ROOF TO STOUFFVILLE’S PREMIUM COMMUNITY

PANTRY

FLAT A ROOF

Each spectacular

in style in a fabulous

has been meticulously designed to take

Great Room that

STOVE

OPTIONAL BUILT COUNTER EXTEN-IN & SIONS

3-storey townhome

dazzles with 10’

DISHWASHER

full advantage of

Relax and entertain

ceilings, Euro-style Gourmet Kitchen

abundant windows

and more.

F RIDGE

and wonderful flowing, open concept layouts.

Imagine summer evenings on a private

UP

roof top terrace – up

RAILING

POWDER (D DR RO OPPPPE ED E D CEILING)

DN

to 380 sq.ft. complete with BBQ hook up.

GOODERHAM SERIES - MODE L S1 FABULOUS GRE AT ROOM

Cosy Ground Floor Flex Space with in-floor heating can be your den, home office, or home gym. Enjoy air conditioning in summer and all year, immediate access to your private garage.

Two Bedroom Designs 1,401 to 1,639 sq. ft.

geraniumhomes.com

Hwy 48

SITE LOCATION

Millard St SALES CENTRE

9th Line

from

John Davis Gate

Bakerhill Blv

364

$

900 404

LOFT INSPIRED CONDO TOWNS

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

Stouffville

#" - - " / 5 3 " & 4 50 6 ' ' 7 * - - & 1 0 35 ) 0 1 & 80 0 % 4 50 $ , See sales rep for details. The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E & O E.

905-640-9999

//COVER STORY

Grand Opening of model homes at

KLEINBURG CROWN ESTATES

E

xperience style and allure at the Grand Opening of Monarchâ&#x20AC;&#x2122;s model homes at Kleinburg Crown Estates. From the quality features and finishes displayed in the Hampshire to the exceptional Essex model, HOUSING TYPE Detached homes on complete with a theatre room, wine cellar, lower level lounge, gourmet kitchen, traditional deep 42- and loggia and a gym with rubberized floor, discover what life can be like in one of 50-ft. lots, with four- and five-bedroom designs from Kleinburgâ&#x20AC;&#x2122;s most remarkable communities.

2,351 to 4,459 sq. ft.

Minutes from the charming Village of Kleinburg in a picturesque ravine SALES CENTRE: setting, Kleinburg Crown Estates is a master-planned community of spectacular all 165 Timber Creek Blvd. detached homes that perfectly blends the old with the new, the historic with the CONTACT modern. Monarch is offering a brand new collection of designs including a popular 416.495.3513 bungalow with loft plan.

Monarchgroup.net These magnificent detached homes are set on traditional deep 42- and 50-ft.

Twitter@monarch_group facebook/monarchcorp lots. Spacious four- and five-bedroom designs range from 2,351 to 4,459 sq. ft. kleinburgcrown@ with gracious brick, stone, stucco and Renaissance stone exteriors, and impressive monarchgroup.net eight-ft. high front doors. Many designs are set off by deep front porches where families can gather together and greet passing neighbours.

LOCATION Kleinburg

32 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

MONARCH | Kleinburg Crown Estates

Monarch offers purchasers the ability to customize elements of their new home to ensure that life at Kleinburg Crown Estates will be exceptional in every way imaginable.

Each manor-inspired residence is highlighted by an impressive list of features including granite kitchen countertops, hardwood floors, oak staircases, metal pickets, central vacuum systems, central air conditioning, cold cellars, coffered, waffle and vaulted ceilings, smooth ceilings on main level, interlocking driveways, 200 amp service, maple cabinets, under-cabinet lighting, Grohe fixtures and gas fireplaces – as per plan – and more.

Monarch offers purchasers the ability to customize elements of their new home to ensure that life at Kleinburg Crown Estates will be exceptional in every way imaginable.

MONARCH. FIRST. Since 1917, Canadian families have trusted Monarch, and made the name synonymous with dependability before the 1980s ushered in the electronic age, before the 1960s boomer generation changed our views and even before the roaring 1920s got us dancing.

As Canada grew, many of the most sought-after communities and inspired condominiums were built by Monarch and are now woven into the country’s fabric, neighbourhoods where homes are cherished and memories are made.

Headquartered in Toronto, Monarch is one of Canada’s oldest and largest home builders. Monarch has consistently been recognized in the home building industry and by its customers for superior quality and outstanding customer satisfaction.

Monarch builds and develops singlefamily detached and attached homes in Toronto and Ottawa and builds highrise condominiums in the Greater Toronto Area. Monarch focuses on style, design, quality and livability in all of its homes and is the Canadian brand of Taylor Morrison Home Corp.

For Monarch’s Kleinburg Crown Estates, visit the sales office and model homes located at 165 Timber Creek Blvd., or call 416.495.3513. For more information on Monarch, please visit: Monarchgroup.net Twitter@monarch_group facebook/monarchcorp kleinburgcrown@monarchgroup.net FEB 22 - MAR 8, 2014 | NEW HOME GUIDE GTA 33

//FUNDAMENTALLY SPEAKING

How to find a home?

PAY ATTENTION TO LOCATION INFORMATION AND TIMING » by WAYNE KARL Despite what you often hear, buying a home isn’t only about location, location, location. True, this is the time-tested first rule of real estate, but there are other determining factors you must consider as part of your selection process. Indeed, there’s a new rule of thumb for buying real estate.

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

LOCATION First, what does that old adage really mean? Of course, we’d all love a high-end home in the best neighbourhood.

But that’s not always possible. For your own enjoyment while you live in your home as well as for future resale potential, proximity to transportation, shopping, schools and other amenities is among the key determinants that affect your property’s appeal and ultimately its value. After all, those are the qualities potential buyers look for when searching for a home; the more of them your home has when you go to sell, the more desirable it will be to a greater number of people. This equates to demand – multiple offers and a higher price.

INFORMATION Whether you’re a first-time homeowner, “buying up” to accommodate a growing family or “right-sizing” as an empty nester, education is critical. And these days, with digital media and mobile technology, all the information you need is at your fingertips. From the content here in this magazine, to the resources available to you at Canada Mortgage and Housing Corp. (CMHC), to the local market expertise of new-home sales staff and realtors, the more knowledge you have, the better equipped you are to make informed decisions about buying, maintaining and eventually selling your home.

34 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

TIMING Though your home is your primary residence, it is also an investment.

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

So, it’s not just about “location, location, location.” The new adage is “location, information and timing.” Do well with all three, and over the long haul your home is going to be one of the best lifestyle and investment decisions you ever made.

LIVE IN THE centre OF TORONTO

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Your chance to live in this prestigious new residential enclave located in the well-established Bathurst Manor neighbourhood, near Sheppard and Bathurst.

Now Under Construction!

SEMIS AND A SELECT NUMBER OF DETACHED HOMES

600’s

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From the mid

VISIT OUR PRESENTATION CENTRE TODAY!

Sales Office Hours: Mon. - Thurs. 1 - 8pm, Friday by appointment.

Sat., Sun. & Hol. 11am - 6pm

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ARISTAHOMES.COM *Prices and specifications are subject to change without notice. Bonus, finishes and decor dollar amounts may vary per model type. See sales representative for details. E. & O.E. Renderings are artist’s concept. Veneer risers and stringers.

SALES OFFICE 824 Sheppard Ave. West

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.

Thatâ&#x20AC;&#x2122;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

36 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

dreams

Where and families come together in 3 Superb Communities MaRkHaM

MaRkHaM

E

E IN V S RALOT

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THORnHill

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Singles on 30', 36’ & 40’ lots.

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odeLs t ed M decor a

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37

//community focus

Experience luxury living at Thornhill Ravines with a

Madison home Location Vaughan Housing Type Two-storey homes on 46- and 60-ft. lots Sales centre Dufferin just south of Major Mackenzie Dr., open Monday to Wednesday from 1 to 7 p.m., Thursday and Friday by appointment, weekends and holidays from 11 a.m. to 6 p.m.

Contact 905.417.1203 madisonhomes.ca

38 New home guide GTA | feb 22 - mar 8, 2014

T

hornhill Ravines is ideally situated on the periphery of the McMillan nature preserve at the corner of Dufferin Street and Valley Vista Drive, just south of Major Mackenzie Drive in Vaughan. With forested lands naturally unfolding around you from every direction, you will truly feel as if you are being embraced by nature. No other centrally located community combines such a once in a lifetime treed setting with timeless, traditional and rich architecture amidst every modern comfort and convenience.

Madison Homes has a limited enclave of spectacular lots nestled within a quiet cul-de-sac setting and backing onto a ravine. Thornhill Ravines offers a stunning collection of two-storey homes on 46- and 60-ft. lots.

Madisonâ&#x20AC;&#x2122;s Parkwood model is just one example of the spectacular homes Thornhill Ravines has to offer. In the 60 series, the Parkwood, offers 4,837 sq. ft. of extraordinary living space. The Parkwoodâ&#x20AC;&#x2122;s stone and stucco exterior provides an elegant first impression to this regal home. Once inside, the homeâ&#x20AC;&#x2122;s centre hall, an open two-storey rotunda, adds dramatic flair. The gourmet kitchen, anchored by a centre island and breakfast bar, boasts a panoramic view of the ravine beyond. In the magnificent master suite, an optional two-sided fireplace separates the sleeping area from the cathedral sitting area. Two walk-in closets and a lavish master ensuite with double vanities,

MADISON HOMES | Thornhill Ravines

Beyond the natural beauty of this spectacular woodland setting, Thornhill Ravines offers the convenience of an established community with a wealth of amenities already in place.

soaker tub and glass shower epitomize luxury. Three additional bedrooms and flex space all with ensuite access completes this spacious plan.

Similarly, all of Thornhill Ravines’ stately homes are artfully laid out for modern family living, featuring bright spacious open kitchens, formal living and dining areas, casual living spaces, your choice of four or five bedrooms, master retreats, semi-ensuites, Jack and Jill bathrooms, double and triple bay garages – the choices are endless.

What makes these homes even more desirable is that Madison is including over $100,000 in luxurious upgrades. These homes boast grand 10-ft. ceilings on the main floor, nine-ft. ceilings on the second floor and basement, granite kitchen and bathroom countertops, stained oak stairs throughout, stained oak strip hardwood flooring on the main and second floor hallway and master bedroom, pot lights – the list goes on and on.

Beyond the natural beauty of this spectacular woodland setting, Thornhill Ravines offers the convenience of an established community with a wealth of amenities already in place. Excellent schools, shopping, parks, recreational facilities, places of worship and hospitals proliferate the immediate area. You can enjoy kilometres of tranquil walking trails and biking paths; explore the numerous shops at Vaughan Mills mega mall; try your game at any of the three local area golf courses, Eagles Nest, Maple Downs or Thornhill Country Club. Enroll your family in the numerous programs and services offered down the road at the Lebovic Jewish Community Campus, a unique neigbourhood amenity offering a wonderful range of recreational facilities, educational resource centres and community services. Or just enjoy the excitement of a day at Canada’s Wonderland. The Thornhill Ravines community truly has something for all, conveniently located with quick connections to local transit, GO transit, and minutes to Hwys. 400, 404 and the 407.

Don’t miss out on this selection of cul-de-sac and ravine lots. With homes ranging from 3,118 to 4,837 sq. ft. and prices starting slightly more than $1 million, now is the time to join the thousands of visionaries who have made owning a Madison Home a proud family tradition.

Thornhill Ravines presentation centre, located at Dufferin just south of Major Mackenzie Dr., is open Monday to Wednesday from 1 to 7 p.m.; Thursday and Friday by appointment only; weekends and holidays from 11 a.m. to 6 p.m. Call 905.417.1203.

For more information on the builder and its communities, visit madisonhomes.ca feb 22 - mar 8, 2014 | New home guide GTA 39

//BUILDER PERSPECTIVES

Living with colour – a designer’s tips

For most of my career, I’ve been involved in the new home building industry and have often had the opportunity to collaborate with interior designers who are creating model homes intended to showcase a builder’s product. At other times, it’s been my responsibility

Top: A painted feature wall and soft seating add a pop of colour to a finished basement Right: Colourful bedding livens up a neutral bedroom

to select interior finishes for homes that will be completed and sold as inventory. I find the challenge is to choose finishes that together will have general appeal without being too boring.

At Geranium Homes, where I am the marketing director, we are now building model homes for Uptownes at Cardinal Point, and I am working alongside certified interior designer Jo-Ann Capelaci to select the finishes, furnishings and decor.

She splits her time between L.A. and Toronto and has similar tips for all her clients about where and how to use colour, whether in a new home or one that simply needs freshening up.

Her number one piece of advice is to keep the primary finishes you choose to a neutral shade. By this Capelaci is referring to hard surfaces, such as floor tiles, wood and even large expanses of broadloom. Most people will have a preference for either grey or beige, but greige (a hue between the two) is also an excellent choice. Using neutrals allows you to add pops of your favourite colour or to follow current trends for accents and accessories.

This year’s Pantone colour of the year is Radiant Orchid, described by the company as a harmony of fuchsia, purple and pink undertones, which emanates great joy, love and health.

40 New home guide GTA | feb 22 - mar 8, 2014

Consider adding this with throw pillows, bedding or on an accent wall to accentuate a niche.

Capelaci also suggests that if you don’t want to follow trends, think about your colour preferences in fashion and look through magazines or online for schemes that make you smile.

Regardless there may be a time when you want to interject variation in your home that you can easily do by replacing items with a new colour, perhaps matched to the season.

Painting is a relatively inexpensive way to refresh a space, but Capelaci recommends choosing your paint wisely as not all products are created equally.

Try bolder colours in bathrooms or dining rooms and be sure to test in different light before covering the walls.

Another of Capelaci’s tips is to remember that cool colours tend to make walls recede while warm colours have the opposite effect in a room, so consider your intent before painting.

Some current trends Capelaci will be using in our new Uptownes models include lighting fixtures in a matte black finish including bases and shades. This colour when paired with gold tones adds contemporary glamour to a home.

This is part of a series of articles on topics of interest to new-home buyers, authored by Sue Webb Smith, marketing director for Geranium Homes.

Single entry lounge pass starting from $33.25 tax inclusive ($24.50 children ages 2 â&#x20AC;&#x201C; 11) for 2 hours lounge use. 3 hour and 6 hour lounge use also available** ** Online bookings only; higher rates apply for walk-in lounge use

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

(Edmonton)

For online bookings go to www.plaza-network.com/booking/FlightInfo.aspx?ECONREF=W2W2014

//Quick TipS

Take time for Yourself » by Hellen Buttigieg Sometimes we get bogged down with all the things on our “to-do” list that we forget to take time for ourselves.

Here are some tips to help simplify your life:

Hellen Buttigieg

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

Contact Hellen at info@WeOrganizeU.com

›› Live in the moment. We have become a society of multi-taskers, but in an effort to be more efficient, we have robbed ourselves of the pure pleasure that comes from performing simple tasks. The next time you wash dishes, fold laundry or set the table, focus only on the task at hand.

Engage your senses. Notice the fresh smell of clean laundry, the rainbow colours in the soap bubbles, the beauty of a table set with care (candles, flowers and cloth napkins). You’ll feel less frazzled and more peaceful. ›› Let go of the “shoulds.” The next time you catch yourself thinking guilt-inducing thoughts like “I should go to the gym,” or “I have to wash the windows,” shift your perspective. Find a way to make the task more enjoyable so you can replace the “should” and “have to” with “like to,” “want to” or “could.” Re-framing your thoughts in this manner puts you in control because you are deciding to do the task out of desire, not criticism. Another option is to re-evaluate the task to see if it really is a necessity, or if you can drop it from your “to-do” list altogether. ›› P ut yourself out there. Life has a way of flowing effortlessly when we put ourselves out there. If there’s something you’ve been wanting in your life, take one small action toward it and notice how other things fall into place. It could be a simple phone call you’ve been putting off, a book you’ve been meaning to read or a website you’ve wanted to visit.

Do it now and have faith in the power of taking that first step. ›› Tie up loose ends. Regularly schedule one hour a week to devote to tying up loose ends. These little “to-dos” take less time to complete than you think and yet, left undone, eat away at you, draining your energy and clouding your mind. If you finish in less than an hour, use the extra time to reward yourself with a special indulgence.

42 New home guide GTA | feb 22 - mar 8, 2014

›› Eliminate catalogue clutter and enjoy mental freedom.

Are catalogues piling up on every flat surface in your office? If you’ve had them for more than three months and still haven’t read them, it’s time to take an honest look at whether they are adding value or complicating your life.

Go online and remove your name from catalogues you don’t read, and cancel magazine subscriptions that clutter your life, drain your energy and rob you of peace-of-mind. You can always purchase the odd magazine or two when you have some extra time to devote to reading. ›› Make bill paying easier by synchronizing due dates.

Paying bills can be time consuming and difficult to keep track of, especially if they are due at various times throughout the month. Consider calling all your creditors and having the due dates on your monthly bills changed to either the 1st or the 15th of the month. Put a reminder on your calendar to ensure that they’re paid on time. Consolidating tasks saves time and mental energy. ›› Create kits to make life easier. Items that are used together should be stored together to make tasks easier and save you time. Store all your knitting supplies in one bin; your gardening supplies in another. Imagine how much easier it will be to wrap gifts when your gift bags, cards, scissors, bows, tape and pen are all stored together!

Welcome to a

New Forest Community Live in this new, prestigious Richmond Hill community on the edge of a golf course and 46-acre forest preserve, and SAVE THOUSANDS ON FABULOUS EXTRAS THAT COME STANDARD! 1,600 sq. ft. Townhomes starting from $560’s 2,000 sq. ft. Townhomes starting from the $600’s

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excluding tiled areas ✓ oak staircases ✓ granite countertops ✓ 9’ ceilings on main floor ✓ extended-height kitchen cabinets ✓ upgrade baseboards and casing n ✓brick, stone or stucco exteriors - as per pla ✓ 3 piece roughed-in basement bathroom ✓cold cellar - grade permitting ✓ and much more * grades *

Plus $5,000 in decor up

FREEHOLD TOWNHOMES ON YONGE NORTH OF GAMBLE

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FOUR GREAT BUILDERS - ONE FABULOUS FOREST *As per plan. Finishes vary by builder. Cannot be used with any other promotion. Specifications are subject to change without notice. Available on specific lots only. No cash value. See sales representatives for details. Renderings are artist's concept. E & O.E.

//mortgage advice

U.S. tapering and its effect on Canadian mortgage rates » by alyssa richard What are “quantitative easing” and “tapering”? Over the last couple of months, you’ve likely read the words “quantitative easing” and “tapering” in any news story about the U.S. economy. What you may not have read about yet is the impact this has had on Canadian mortgage rates. Here’s a look at what’s been happening and what it could mean for mortgage rates in the future.

In the midst of the financial crisis, the U.S. Federal Reserve lowered its short-term overnight interest rate all the way to zero. This effectively left them with little power to further stimulate the economy. So, the central bank essentially printed more money to buy bonds and other financial assets from banks, in a program known as quantitative easing.

The banks, now flush with cash, were then able to loan more money to Americans, helping the economy grow. The bond-buying spree drove up bond prices and lowered yields (which have an inverse relation with prices). Lower yields then lowered borrowing costs, which stimulated the economy further.

The central bank repeated this a few times, until it eventually took its balance sheet to slightly more than $4 trillion – from roughly $800 billion pre-financial crisis.

In the first half of 2013, the U.S. Federal Reserve started talking about “tapering off ” the quantitative easing program. The taper was officially announced in December, with a plan to purchase only $75 billion of debt securities in January and to reduce the purchases in future months.

Alyssa Richard

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

The effect on Canadian mortgage rates So, what does this all have to do with Canadian mortgage rates?

Under quantitative easing, the 10-year Treasury yield jumped from 1.65 per cent before any talk about tapering to 2.80 per cent in late August 2013. In January, it was sitting at 2.86 per cent.

U.S. markets often act as something of a “price setter” for the Canadian market, and Canadian bond yields tend to follow U.S. bond yields. Generally speaking, higher U.S. bond yields will result in higher Canadian bond yields.

Furthermore, Canadian fixed mortgage rates follow Canadian bond yields with a strong correlation. Since last May, both the five-year Canadian bond yield and average five-year fixed mortgage rate have risen substantially (shown in chart).

Overwhelmingly, economists expect U.S. bond yields to keep rising in 2014, as a result of an allegedly stronger U.S. economy and further (expected) tapering by the U.S. Federal Reserve; this would in turn push Canadian mortgage rates up even further.

4

3

2 1 May ‘13

Jun ‘13

Jul ‘13

Aug ‘13

Best 5-Year Fixed

44 New home guide GTA | feb 22 - mar 8, 2014

Sept ‘13

Oct ‘13

Nov ‘13

5-Year Government Bond Yields (BoC)

Dec ‘13

Jan‘14

Mortgage rates by: ratehub.ca

//make your move

10 tips for

moving with dogs » by Chuck Resnick

Moving can be one of the most stressful events in life, so why should that be any different for your pets?

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

Here are 10 tips on how to move with your dog:

01

Under no circumstances should you place your dog in the back of a moving truck. Even “safely” tucked in a well-ventilated pet carrier, the truck is almost always hot (even in winter) and, of course, the doors are closed.

02

Your dog will most likely want to play with the movers and everyone else, so take him or her to a kennel, dog spa or have a friend or relative dog-sit at their home. Those will be the best places for your furry friend; then you can devote your total attention to your moving activities.

03

If your dog must be with you during your move, keep him or her outside or out of the movers’ way.

Dogs crave the attention of strangers and can create obstacles which will impede the move.

04

Have treats on hand for moving day to keep the dog quiet. It’s also a good way to get your dog to listen and obey. And, it’s a great idea to have water and nutritious human treats for your movers as well.

46 New home guide GTA | feb 22 - mar 8, 2014

05

Pack a separate box of your dog’s favourite toys. Once at your new condo, your dog may be frightened of the new surroundings, so having familiar playthings ready will reduce stress levels.

06

Don’t forget that your dog will be excited on moving day and will need plenty of water. Exercise is the best way to get your dog ready, more relaxed and calm for when the movers arrive. Depending on your dog’s age and size, draining his or her energy level may not be easy, so plan frequent walks.

I know that a 30-minute walk barely makes a dent in my dog’s energy level.

07

Make sure you let your pet out for bathroom breaks.

Nothing will ruin your moving day experience more than a “surprise” from your dog inside your new abode.

08

If your dog will be around during the move, let your movers know ahead of time. You’d be surprised how many people are afraid of dogs, whether large or small, and some people suffer from allergies.

09

After the move you will be busy unpacking, but don’t ignore your dog. Take regular and long walks if you can to explore your new neighbourhood together, or even take short breaks from unpacking to play. Time together will help your dog be better behaved during this change in environment.

10

Have fun – moving into new digs is a time to celebrate. Have the movers take a picture of you, your family and your dog in your new condo. What a perfect reminder of the day you just shared.

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47

//taxing issues

Building equity » by henry choo chong

Q

. Currently, my wife and I are renting. However, we would like to buy a home and build some equity. Can you offer some advice for a young, upwardly mobile couple?

Geoffrey and Diane, Toronto

A 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

.There are many investment vehicles that can give you healthy returns. You do not necessarily have to buy a home to increase your wealth. However, a home is one of the only tax-free investments still available to the middle class. Buying a home is a long-term commitment and investment. Today’s historically low interest rates make purchasing a home extremely appealing – particularly if your rent paid is greater than $1,000 per month. Why should you pay someone else’s mortgage?

Consider the following: ›› Determine what you can afford and stick to that price. All too often, buyers tour several homes and the only one they desire happens to be thousands of dollars over their budget.

Remember, keep your head out of the clouds. Commit to a mortgage, not a stress asylum. ›› Shop and negotiate with several financial institutions for the best interest rate, terms and conditions. You may be surprised at how competitive the banks are for your mortgage business. Shopping for a mortgage can be as easy as a few clicks of your mouse. ›› Set a formal plan to help save for a first home. Sit down, plan the steps necessary to achieve your goals, and follow through! ›› Improve/maintain your credit rating by paying all your bills on time. One-day-late payments are still considered late. This could influence your negotiating power for the best mortgage. ›› Make sure current monthly mortgage payments are manageable and will continue to be so even when interest rates rise in the next several years and payments increase. ›› Put down as much as possible to avoid taking out a high-ratio mortgage that incurs additional cost and interest. A five-percent down payment on a home leaves little equity. ›› Set aside an additional three per cent of the purchase price of the house for closing costs such as Land Transfer Tax, legal fees and disbursements, moving costs and other incidentals. Speak to your lawyer who will be able to give you the heads up on what to expect.

48 New home guide GTA | feb 22 - mar 8, 2014

›› Take advantage of the first-time Home Buyers Plan (HBP) to use your Registered Retirement Savings Plan (RRSP) as part of the down payment.

An individual and spouse, provided they qualify, may withdraw up to $25,000 each from their RRSP, tax-free, for a total of up to $50,000 toward your home and other purchaserelated costs. If you have never used the HBP, contribute your savings for the home into your RRSPs and take advantage of the tax deduction. Then, use these savings for a down payment.

You will have 15 years to repay the amounts to your RRSP, starting after the second year of your withdrawal.

Continue to follow the real estate market trends and buy when you are ready, not when the market is ready for you.

CHINGUACOUSY RD.

WILLIAMS PKWY.

CREDITVIEW RD.

MODEL HOME

BRENTWICK DR.

MISSISSAUGA RD.

BOVAIRD DR. WEST

QUEEN ST. WEST

H E I G H T S

49

//tax time tips

tax tips

for the young and restless For Canadians under 35, it is likely that last year brought at least one major life change, such as finishing school, starting a family or moving homes. All of these events can affect a tax return. Cleo Hamel, a tax specialist at H&R Block, offers the following tips to maximize your return:

Graduated with student loans?

Relocated for work or school?

Had a bundle of joy?

If youâ&#x20AC;&#x2122;re a recent college or university graduate, chances are you have racked up some student loans. Did you know the interest paid on government loans is a tax credit? Also many low-income Canadians, like students, qualify to use tax software for free. For example, if you earn less than $20,000 a year, H&R Block At Home Online allows you to prepare and file your return for free, when it is convenient for you.

If you have packed the truck and travelled more than 40 kilometres to a new job last year, then you may be able to claim moving expenses such as transportation, storage and meals. Moving expenses are one of the most commonly reviewed credits, so make sure you keep your receipts in case Canada Revenue Agency asks for proof.

Parents can claim the Child Tax Credit for each child under the age of 18. If one parent cannot use the entire amount, the unused portion can be transferred to a spouse or common-law partner.

Donâ&#x20AC;&#x2122;t miss out on the tax credits you are entitled to claim, says Hamel. Take the pain out of doing your taxes by using tax preparation software. It gives you step-by-step tips to identify every possible deduction or credit, and it ensures you get the maximum refund.

50 New home guide GTA | feb 22 - mar 8, 2014

//legally speaking

Considerations for buying

foreign property

» by jayson schwarz

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.

Canadians have never been more interested in owning foreign property than now. Whether it’s to plan for retirement, generate additional income or have a vacation place of your own, we are often drawn to homeownership at our favourite destination.

Thanks to low interest rates and a stable economy, Canadians have the upper hand and the world knows it.

However, homeownership in another jurisdiction means a slew of considerations that are complex and at times overwhelming. In the U.S., for example, there are estate tax issues that come up, and you may require a specially designed Trust to avoid Uncle Sam as a partner with you or your kids after death.

There are issues of law if the country does not have a British system and if it’s run on civil or Napoleonic law; Martinique and St. Martin are examples. There may be other issues of property ownership such that foreign nationals may only be able to lease, not own.

The next issues relate to the vendor. Are you purchasing from a reputable organization? If it is a condo, how are you sure the developer will be around if things go wrong? What guarantees are there on your deposits if they go broke and does not finish the project?

It sounds like a lot to think about… but it was so easy to sign up during the tour. So, really, what are you buying? Are you buying a timeshare, outright ownership or a long-term lease?

More and more questions.

Here is a list of a few questions that need to be answered on a preliminary basis on a resort or new condo purchase before you make any offer: 1. Location – why are you choosing this location for a second home?

2. How much time will you spend in a typical year in your second home?

3. Will you typically bring friends and family?

4. What are the common fees and how are they set and controlled?

5. What are resales like for the development?

6. What is the legal structure and laws that apply in the country you are looking at purchasing?

7. Would you rent the property, and if yes, what are your expectations and needs on rental income?

8. What security is there for deposits and payments?

52 New home guide GTA | feb 22 - mar 8, 2014

Here is the litmus test to go forward: A. How did the resort or sales centre answer those eight questions?

B. Did they satisfy you with their knowledge and professionalism?

C. Did they try to push you into signing something without the opportunity to consult with a lawyer?

If those questions are answered to your satisfaction, then you know you are in the right place.

If you have an intention to buy, make inquiries and find a lawyer, possibly a referral from your lawyer or friends at home. You need to understand the tax implications of a purchase, and more importantly, the tax impact if you sell for a profit or earn income. As an example, Barbados is a Canadian tax treaty partner and you may get favourable consideration on a capital gain or on rental income. Each country is unique and you need a lawyer or accountant to help you figure it all out.

Buying a second home in a warm locale is a dream many Canadians share.

If the deal is properly structured, the home you purchase can bring years and years of happy memories and quite possibly a great return down the road.

Good luck.

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FEB 22 - MAR 8, 2014 | NEW HOME GUIDE GTA 53

//community focus

FarSight Homes’ award-winning quality and value in Alliston Model home takes top design honours at regional and provincial awards

Location Alliston Housing Type Energy Star qualified single-family homes on 32- and 40-ft. lots Sales centre: 197 King St. S., open Monday to Wednesday, 1 to 7 p.m. and Saturday and Sunday 11 a.m. to 5 p.m.

Contact 705.250.0949 farsight.ca

54 New home guide GTA | feb 22 - mar 8, 2014

L

ast year was a banner year for FarSight Homes, with its Trillium Model home taking home top honours for Best Model Home at the Simcoe County Home Builder Awards, and Excellence in a Single-Family Dwelling at the Ontario Home Builder Awards.

“Our goal was to show our purchasers what their new home can be,” says Rick Schickedanz. “From a dining room that can accommodate any family gathering, to a Great Room complete with gas fireplace, to a wonderful gourmet kitchen, our Trillium Model is a family home in every sense.”

farsight homes | Greenfields

More than 60 families have made their move to Greenfields. Built to Energy Star standards this planned neighbourhood offers the charm of a small town, yet is still connected to the most desirable amenities and attractions.

Perfect for families Alliston offers a wide array of schools, shopping, services and recreational facilities and is located just west of Hwy. 400.

The Greenfields Model Home/Sales Centre is located at 197 King St. South, just North of Industrial Parkway, in Alliston. Sales office hours are Monday to Wednesday, 1 to 7 p.m. and Saturday and Sunday 11 a.m. to 5 p.m.

For more information, visit farsight.ca or call 705.250.0949 or toll-free 1.855.299.7929.

feb 22 - mar 8, 2014 | New home guide GTA 55

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

Feb 22 - Mar 8, 2014

Showcasing new homes in the GTAâ&#x20AC;&#x2122;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

58

February’s TRAY CEILING

Cash Back TRAY CEILING

ENSUITE

M

MASTER BEDROO 13’0” x 17’0”

ENSUITE

M

MASTER BEDROO 13’0” x 17’0”

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13’0” x 17’0”

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ENSUITE

FLUSH BREAKFAS

10'6" x 15'0"

KITCHEN 8’4” x 11’0”

M

MASTER BEDROO 13’0” x 17’0”

S

DW

FLUSH BREAKFAS

GAS FIREPLACE

GAS FIREPLACE

TRAY CEILING

BREAKFAST

WALK-IN CLOSET

KITCHEN

CASH BACK*

8’4” Fx 11’0”

LINEN

S WALK-IN CLOSET UP HALFWALL

Our Standards are other builder upgrades

F

FORMAL ROOM

BATH

DN LINEN

10'6" x 11'0"

DN UP

FORMAL ROOM 10'6" x 11'0"

BA BATH

STEPS AS REQUIRED

All our townhomes include:

DN

DN

DOOR WHERE GRADE PERMITS

• Stainless Steel Fridge,

STEPS PDR AS REQUIRED

PDR

BEDROOM 3

9’0” x 13’7”

9’6” x 10’0”

10'0" x 19'0"

N OND FLOOR PLA TIAL SEC • 9 Foot Ceilings PAR on main level ATION 'A-1' ELEV

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EN. THE STONEHAV .FT. 1,480 SQ

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• Gas Fireplace SECOND FLOOR ELEVATION B

N ONY BALC OND FLOOR PLA SEC ELEVATION 'A'

N

PLA SECOND FLOOR ELEVATION 'A'

$296,990 • BEDROOM 3 9’6” x 9’7”

• Cold Cellar

Carries from BEDROOM 2 9’0” x 13’2”

9’6” x 9’7”

FOYER

BEDROOM 3

9’0” x 13’2”

PARTIAL SECOND ELEVATION 'B-1'

FLOOR PLAN PARTIAL SECOND ELEVATION 'B-2'

GARAGE

10'0" x 19'0"

BALCONY

OR PLAN

PARTIAL SECOND ELEVATION 'B'

FLOOR PLAN

PARTIAL SECOND ELEVATION 'B-1'

FLO PORC PARTIAL GROUND ELEVATION 'B' H

a month P&I**

9’0” x 13’2”

9’0” x 13’2”

BALCONY

PORCH

9’6” x 9’7”

BEDROOM 2

BEDROOM 2

BEDROOM 2

9’6” x 9’7”

BEDROOM

.00

9’6” x 9’7”

9’6” x 9’7”

BEDROOM 3

PARTIA ELEVA

FLOOR PLAN

$1,050 BEDROOM 3

BEDROOM 3 GARAGE

PARTIAL SECOND ELEVATION 'A-1'

Spacious three bedroom design

FOYER

10'0" x 19'0"

9’6” x 10’0”

BEDROOM 2 9’0” x 13’7”

PORCH

N UNDHFLOOR PLA GROPORC 'A't in ELEV cloNse in ATIO

BEDROOM 3

• 3” Natural Oak Hardwood in Family Room

GARAGE

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9’0” x 13’7”

9’6” x 10’0”

9’0” x 13’7”

9’6” x 10’0”

10'0" x 19'0"

9’6” x 10’0”

BEDROOM 2 Stove and Dishwasher 9’6” x 10’0”

BEDROOM 3

BEDROOM 2

BEDROOM 3

FOYER

BEDROOM 3

BEDROOM 3

• White Front Load Washer/Dryer

GARAGE

DOOR WHERE GRADE PERMITS

FOYER

BEDROOM 2

PARTIAL SECOND ELEVATION 'B-2'

N

FLOOR PLAN PARTIAL GROUND ELEVATION 'B'

FLOOR PLA PARTIAL SECOND ELEVATION 'B'

TOT T E N HA M

1-855-232-8100 • millstreethomes.com SALES OFFICE HOURS: Mon-Thurs: 1-8pm, Fri. – closed, Sat., Sun. & Hol.: 11am – 6pm Prices and specifications are subject to change without notice.

All renderings are artist’s concept. E. & O. E. *Only applicable on the purchase of a townhome. **See sales representative for details.

FLOO

FLOOR PLAN FLOOR PLAN

//community focus

Mattamy offers fresh designs at

St. John’s Forest

Location Aurora Housing Type Townhomes and 30- and 36-ft. detached homes Sales centre 1280 St. John’s Sideroad.

Hours are Monday to Thursday 1 to 8 p.m.; Friday 1 to 6 p.m.; Saturday, Sunday and holidays 11 a.m. to 6 p.m.

Contact 905.726.1313

60 New home guide GTA | feb 22 - mar 8, 2014

A

s we cheerfully try to ignore that winter is sticking around for a while longer, we console ourselves with the idea that every day is getting just a bit brighter. There will be milder days in our near future and even a winter’s day can be pleasant if we have a nice place to go for a brisk walk. St. John’s Forest in Aurora is just that place.

This community puts you in touch with spectacular greenspace and old growth forests that are always a great backdrop when out for a run.

Mattamy has a selection of brand new townhomes, 30- and 36-ft. detached home designs. They offer a completely new approach to living in this neighbourhood of many charms. Some of these stylish new Detached Homes are backing onto the extensive greenspace in St. John’s Forest.

St. John’s Forest is a neighbourhood where you will find many homes with front porches because there is no better place to enjoy a cup of coffee than on a front porch. And every home in St. John’s Forest has beautiful large windows to let more of the outdoors in.

Throughout the community, you will find many parks and playgrounds where

MATTAMY HOMES | St. John’s Forest

Throughout the community, you will find many parks and playgrounds where kids will make lifetime memories with friends.

Left: Entertain in style Top right: The parks are filled with children’s laughter Right: The old growth forest in St. John’s Forest

kids will make lifetime memories with friends. The landscape in St. John’s Forest rolls gently and brings the majestic beauty of nature right into the community, all preserved for future generations. The overall design and master planning in St. John’s Forest offers the unique attraction of various enclaves of homes backing onto forest and greenspace. There is a sense of privacy and tranquility that’s hard to find in the hectic pace of city living.

Just minutes away in upscale Aurora you’ll find many fine restaurants, cultural activities and boutique shopping. You will find many all-season recreational facilities nearby to get the kids where they need to be.

If you have been searching for a new home in the charming town of Aurora, we invite you to come and see the inviting designs now available in St. John’s Forest. Whether you want a stylish townhome or special detached 30- or 36-ft. home,

you’ll find it in this distinctive Aurora neighbourhood.

Townhomes are priced from $419,990, and detached homes from $529,990.

Coming Soon, Mattamy will unveil new Village Homes and 45-ft. detached homes in beautiful St. John’s Forest.

Register today at mattamyhomes.com The St. John’s Forest Sales Centre is located at 1280 St. John’s Sideroad.

Hours are Monday to Thursday 1 to 8 p.m.; Friday 1 to 6 p.m.; Saturday, Sunday and holidays 11 a.m. to 6 p.m.

Call 905.726.1313. feb 22 - mar 8, 2014 | New home guide GTA 61

//In the news

Kylemore preserves tradition of education in Markham’s oldest heritage school building On Saturday, Jan. 25, City of Markham Mayor Frank Scarpitti; Councillors; Patrick O’Hanlon, president of Angus Glen Development/Kylemore Communities; dignitaries; former pupils; current students and Syeda Hasnain, director of education of Angus Glen Montessori celebrated the School’s Official Ribbon Cutting. Located within the Shoppes of

Angus Glen in Markham, the school offers a modern facility designed to accommodate Montessori programming combined with the preservation of the original Colty’s Corners School House built in 1862.

Property owner and community builder Angus Glen Development/Kylemore Communities worked in consultation with Town staff to incorporate the heritage building into the company’s first significant retail/commercial plaza serving the residents of Angus Glen Community.

Mayor Scarpitti commented, “I’m pleased to participate in today’s celebration for the opening of Angus Glen Montessori School. Not only does this provide another great learning centre for our youth, it’s presented within an amazing piece of Markham’s history, with the original school house on this location dating back 150 years.”

The original Colty’s Corner School was used as a place of learning until 1964. Other retail tenants include a TD Canada Trust branch, Tim Horton’s, Symposium Restaurant with more to follow in buildings now under construction.

The City’s Official Historian, resident of Markham for more than 70 years, and a pupil of the school from 1943 to 1950, Lorne Smith spoke about the changes he has witnessed since attending Colty’s Corners School. “We had eight grades

62 New home guide GTA | feb 22 - mar 8, 2014

in a single room but we learned a lot and had fun. I have been very thankful that this piece of community history has been well preserved on this site. It is my touchstone with the past every time I drive by.”

To thank each of the official speakers, Angus Glen Montessori students created original artworks and presented dignitaries with this memento of the occasion.

To reach Angus Glen Montessori School, call 905.534.5200 or e-mail angusglenmontessori@rogers.com.

To find out more about Kylemore Communities’ wide range of homes in Angus Glen Community, call 905.887.9950 or visit kylemorecommunities.com

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

Surrounded by some of the city’s

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

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

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Prices and specifications are subject to change without notice.

63

//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

» 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.

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.

“It’s reassuring to see that many Canadians are being proactive by 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.

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.

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.”

64 New home guide GTA | feb 22 - mar 8, 2014

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We accept All Competitor Show’s Discount tickets!!

2-for-1 Admission After 5 pm

Hours: Thurs - Sat 10 - 8 Sun 10 - 6

Metro Toronto Convention Centre North Bldg. 255 Front St. West FEB 22 - MAR 8, 2014 | NEW HOME GUIDE GTA 66

FEB 22 - MAR 8, 2014 | NEW HOME GUIDE GTA 67

//In the news

Group promotes national approach

to elevating consumer understanding of mortgage risks The Mortgage Broker Regulators’ Council of Canada (MBRCC) is helping consumers across the country gain a better understanding of the risks and responsibilities related to obtaining a residential mortgage.

The organization has developed a pamphlet, as well as educational content for its website, to ensure that Canadians in all provinces have access to practical information and important considerations about mortgages.

Know Your Mortgage Risks & Responsibilities, the materials developed by the MBRCC, are part of the organization’s efforts to improve mortgage consumer education. “It is important that borrowers understand the key considerations and implications when agreeing to a mortgage,” says MBRCC Chair Kirk Bacon.

“Educating consumers helps them make more informed decisions. This is true regardless of the province they live in.”

68 New home guide GTA | feb 22 - mar 8, 2014

The information was developed for use in all MBRCC member provinces. The educational materials and the types of information borrowers received on mortgage risks and responsibilities vary from province to province. “Given the differences, we felt it was an area in need of further collaboration from the provincial mortgage broker regulators,” Bacon adds.

The MBRCC developed the pamphlet as a disclosure tool for mortgage brokers to provide to their clients during their initial discussions. It is designed to ensure that borrowers are knowledgeable from the outset, as well as to help stimulate discussions with the broker. “Brokers play a critical role in educating borrowers. Their clients look to them for information and advice. We appreciate their help in getting this information to the public,” says Bacon.

The pamphlet introduces readers to mortgage risks and responsibilities and points them to the MBRCC website for further information. The pamphlet is also available on their website for brokers to download and print at their convenience.

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

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

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

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

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

newhomeguide.ca 70 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

FANTASTIC LOCATION & UNBELIEVABLE VALUE IN SUTTON

36 ' Windsor Gate Elevation A

40' Windsor Hall Elevation B

36ft. Lots 40ft. Lots starting from

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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

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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.

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 builderâ&#x20AC;&#x2122;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

72 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

35 7B

impressionskleinburg.com •

• •

from $500,000

29 5F

IMPRESSIONS

impressionkleinburg.com

•

• •

from $500,000

Insert, 25 & 29 5F

Paradise Homes

IMPRESSIONS

impressionskleinburg.com •

• •

from $500,000

29 5F

5

Tiffany Park Homes

Westhaven

416-792-6655

•

from $633,000

51 3G

10

Fieldgate Homes

90 Niagara

90niagara.com

•

•

from $350,000

Insert 7H

86

Menkes

Humber Mews

416-255-7468

•

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

73

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

74

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 builderâ&#x20AC;&#x2122;s ads for exact locations.

15

19

Tel

Price Range

Page No.

1

Aspen Ridge Homes

Kleinburg Hills

aspenridgehomes.com •

4

Arista Homes

Vellore Woods

aristahomes.com •

from $650,000

24

Fieldgate Homes

Vaughan Valley Estates

905-303-4728

•

from $1300,000

Insert & 25 9F

44

Madison Homes

Thornhill Ravines

905-417-1203

•

from $1100,000

37 14g

51

Great Gulf Homes

King Oaks

905-833-6413

•

from $1300,000

84 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

24

Arista Homes

Vaughan Valley Estates

905-303-1929

•

from $800,000

9F

42

Dunpar Homes

Riverside Village

416-253-5888

•

from $519,000

44

Madison Homes

Thornhill

905-417-1203

•

from $1100,000

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

Aspen Ridge Homes

King Oaks

905-539-0181

•

from $1100,000

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

IFC & 1 4E

45 8F

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

75

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

76

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 builderâ&#x20AC;&#x2122;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

Hampshire Mews

416-637-3520

14 Arista Homes

Jefferson Forest

LiveAtJeffersonForest.com •

15 Madison Homes

Jefferson Forest

LiveAtJeffersonForest.com •

15 Forest Hill Homes

Jefferson Forest

16 Fieldgate Homes

Page No.

from $450,000

47 5I

•

from $560,000

43 4H

•

from $560,000

43 4H

LiveAtJeffersonForest.com •

•

from $560,000

43 4H

Jefferson Forest

905-884-8017

•

•

from $563,000

25 & 43 4H

27 Acorn Homes

Oak Knoll

905-773-9257

•

from $615,000

67 4C

2

Pemberton Group

The Royal at Bayview Glen

905-709-5700

• from $190,000

3

Centra Homes

The Mills Collections

416-238-2404

•

from $940,000

5J

4

Aspen Ridge Homes

Kettle Lakes Club

289-231-2849

•

from $550,000

6D

5

St. Regis Homes

Mission Hill on Bayview

905-884-8885

from $850,000 6C

6

Fieldgate Homes

The Humberlands

905-773-7738

•

from $850,000

2C

20 North Star Homes

King’s Crossing

416-291-9666

•

from $440,000

2E

22 Yorkwood Homes

Hillside Manors

905-770-4662

•

from $472,000

25 Treasure Hill Homes

Urbantowns on Bayview

treasurehill.com

•

from $550,000

7Q

26 Arten Development Group

The Manors of Roseview Grand

roseviewgrand.com

• •

from $650,000

6Q

5I

4L

Richmond Hill

Tel

central region:

Heathwood Homes

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

1

77

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

15

404

n St 21 ngto 22 Welli

9

w Ave.

K

Ave

Bayvie

404

dy Rd

24

d. ide R

's S

hn St Jo

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 builderâ&#x20AC;&#x2122;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

78 cessio

Al d

9 Con

cessio nR

Dr

erson

Ave

t

S Yonge

Tel

Price Range

Page No.

3

Mattamy Homes

St. John Forest

www.mattamyhomes.com

from $430,000

BC 13E

4

Fieldgate Homes

The New U

905-477-6464

•

• •

from $550,000

19, Insert & 25 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

13 7f

9

Brookfield Homes

The Arbors

905-503-0992

•

11 Madison Homes

Greensborough

15 Fieldgate Homes 20 Fieldgate Homes

from $550,000

17 14F

madisonhomes.ca •

•

37 7F

Aurora Trails

fieldgatehomes.com •

•

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 $600,000

37, 65 & 11 8F

30 Forest Hill Homes

Cornell Rouge

cornellrouge.com

•

from $490,000

65 & 11 8f

50 Geranium Homes

Uptownes at Cardinal Point

905-640-9999

•

•

from $365,000

30-31 7F

52 Fieldgate Homes

Potter’s Bend

905-294-3125

•

•

from $700,000

Insert & 25 6G

59 Primont Homes

Harmony

905-305-8871

•

from $560,000

13 5I

66 Treasure Hill Homes

Aurora Woods on Bayview

905-727-5794

•

from $769,000

21 13H

1

Marydel Homes

Woodland Hills

905-898-7380

•

from $400,000

10B

Beaverbrook Homes

The Terrace On Rouge Creek

905-640-7360

• •

from $390,000

17F

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

41 Aspen Ridge Homes

Upper Cornell

905-554-3446

•

•

from $495,000

7F

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

Copperstone Ballantrae

905-640-9999

•

•

from $1.1,000

7F

51 Oxford Homes

Coventry Valley

905-836-8902

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

65 Fieldgate Homes

Victoria Manor

905-294-3125

•

from $896,000

3G

85 Orchard Ridge Homes

Prairiewood

orchardridgehomes.com •

from $800,000

16F

2

•

25 13E

6I

from $600,000 9C

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

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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

* Due to scale restrictions locators are approximate.

Please see builder’s ads for exact locations.

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Tel

Price Range

Page No.

905-722-7210

•

• •

from $270,000

58 9G

16 Great Gulf Homes

Summerlyn Village

905-775-3461

•

from $465,000

85 7I

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 $297,000

59 7J

71 Ballymore Homes

Mill Street Village

1-855-232-8100

• •

from $267,000

59 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

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

416-410-0175

•

from $580,000

9H

14 Rosehaven Homes

King Country Estates

905-558-0098

•

from $700,000

7k

14 Aspen Ridge Homes

King Country Estates

905-558-0255

•

from $780,000

7k

14 Country Wide Homes

King Country Estates

905-907-1500

•

from $750,000

7k

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

•

7I

6I

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

Site Cedar Ridge

north region:

Builder

Fi Map nd er

Delpark Homes

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

# Si te IFC-Inside front cover

2

81

ontario’s

Premier

Guide

to

adult

lifestyle

communities

communities Getting inspired

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

Design · Decor · Lifestyle · Travel

Laura Stein’s

award-winning bedroom design

OvercOming the fear of using home equity free

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newhomeguide.ca For your free copy please call 416.626.4889 82 NEW HOME GUIDE GTA | FEB 22 - MAR 8, 2014

Feb 22 - Mar 8, 2014

Showcasing new homes in the GTAâ&#x20AC;&#x2122;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

LIVE GREATLY.

Experience the Great Gulf Difference across the

KING OAKS, KING CITY 70 ft. Estate Lots in the Oak Ridges Moraine

BRAMPTON, MISSISSAUGA RD. & STEELES New Release of 38 Ft. Lots!

• A stunning collection of Homes designed

by Brian Gluckstein

• Live at Brampton’s most prestigious location

• Winner of Community of the Year at the OHBA Awards of Distinction

• Side door entrance with additional staircase to basement

• Fabulous designs with expansive windows to maximize natural light

• Brampton’s deepest and best selling lots • Brockport Home construction for assured precision building

Ashley Field Rd. SITE

James Potter Rd.

Williams Pkwy.

Queen St. Hwy. 407

SALES OFFICE: 55 Richard Serra Court, King City (905) 833-6413

Chinguacousy Rd.

$1.3 MILLION

Mississauga Rd.

Sales Office and Model

Freehold Townhomes 1,750 - 2,165 sq. ft. from

Bovaird Dr.

Luxury Estate Homes 3,565 - 6,050 sq. ft. from

$444990 38 Ft. Detached 2,080 - 3,265 sq. ft. from

$599990

SALES OFFICE: 9806 James Potter Road, Brampton (905) 459-5772

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.

GTA and beyond!

BRAMPTON, BOVAIRD & CREDITVIEW Walk To Mount Pleasant GO Station • Lots up to 130 feet deep • Side door entrance with additional staircase to basement • Brockport Home construction for assured precision building • 40’ Lot homes that offer more natural light than other models

• Fully established, award winning community; home to more than 800 families • Surrounded by schools, neighbourhood parks, and every one of your favourite retail locations • More than 60 acres of protected open space with miles of integrated walking and biking trails • Just 10 minutes from the GO Station

Mississauga Rd.

Chinguacousy Rd.

$509990 40 Ft. Detached 2,630 - 3,600 sq. ft. from

36 & 40 Ft. Detached 1,635 - 3,270 sq. ft. from

$464990

Hwy. 400

Ashley Field Rd.

James Potter Rd.

Queen St.

New Release!

34 Ft. Detached 1,755 - 2,685 sq. ft. from

Bovaird Dr.

Williams Pkwy.

SUMMERLYN VILLAGE, BRADFORD

50 Ft. Detached 2,435 - 3,990 sq. ft. from

$600990

Hwy. 407

$619990 Holland St.

SALES OFFICE: 9806 James Potter Road, Brampton (905) 459-5772

SALES OFFICE: 22 Downy Emerald Drive, Bradford (905) 775-3461

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

GREATGULF.COM

//community focus

Welcome to Brampton’s exclusive new luxury community

Featuring only singles on 47- to 100-ft. lots!

86 New home guide GTA | feb 22 - mar 8, 2014

W

ith great excitement, three incredible builders – Greenpark, Starlane and Treasure Hill – are proud to introduce Vales of the Humber, a master-planned community featuring only luxury single-detached homes on estate lots. This rare and unique development, located at the corner of McVean Road and Mayfield Road, will provide stunning streetscapes sprinkled with parks and schools, forming an ideal family-focused environment. You and your family will live in luxury in this impressive neighbourhood that is truly like no other.

At Vales of the Humber, family matters.

Vales of the Humber offers impeccable residences, unsurpassed elegance and gorgeous designs that will elevate your standard of living. This exclusive collection includes magnificent elevations that sit on gorgeous 47- to 100-ft. lots, allowing an abundance of open space for your home and surrounding property.

Impressive floorplans showcase quality architectural designs.

Some of these beautiful estates feature four to five bedrooms, spacious walk in closets, ensuite spa-style bathrooms, built-in gas fireplaces and so many other lavish inclusions your family will love. Everyone will look forward to large gatherings thanks to masterful space planning on every floor. Each home includes a wide array of remarkable features such as grandiose windows, oak staircases and soaring ceiling heights, making this the perfect opportunity to live in luxury.

Brampton is where you want to be. In this convenient location, you are surrounded by an abundance of beautiful

STARLANE HOMES, GREENPARK HOMES & TREASURE HILL HOMES | Vales of the Humber

greenery with multiple parks to roam and every amenity just minutes away. Multiple elementary and secondary schools surround the community, giving you numerous options for your childrens’ education. Play a round of golf at one of the many golf and country clubs that are within a short drive. Necessary services like the Brampton Civic Hospital are located nearby, putting your safety at the forefront of importance. Entertainment is endless with The Rose Theatre situated in Brampton’s downtown district, equipped with two performance halls that are constantly booked with exciting shows. The Bramalea City Centre is also close, giving you ample chance to do plenty of shopping. And of course, a number of nearby restaurants provide delicious dining options.

Vales of the Humber conveniently offers seamless travel in your daily endeavours.

The community is situated in an area that provides numerous transportation options.

Easy accessibility to Queen Street/Hwy. 7, Hwy. 50 and the 407 ETR puts the entire GTA at your fingertips. Public transportation includes the Brampton Transit and Züm, as well as railroad alternatives such as the CN Railway and Orangeville-Brampton Railway. For those who travel or receive visitors from around the world, Brampton is conveniently positioned beside Mississauga, the home to Pearson International Airport.

Brampton is one of Canada’s fastest growing cities, meaning even more convenient amenities will be developed nearby in the coming years, making Vales of the Humber an even better place to live than it already is.

Greenpark, Starlane and Treasure Hill have collaborated with the hope of surpassing excellence by providing homeowners with a place they will be proud to call home. With reputations that have earned them trust from their purchasers, the trio has outdone themselves by offering this amazing buying opportunity that you do not want to miss out on.

For more information, visit valesofthehumber.com

Location Brampton Housing Type Luxury single-detached homes on estate lots Contact valesofthehumber.com

Greenpark, Starlane and Treasure Hill have collaborated with the hope of surpassing excellence by providing homeowners with a place they will be proud to call home. feb 22 - mar 8, 2014 | New home guide GTA 87

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89

//THE TAX MAN

To incorporate or not to incorporate: ownership

strategies for real estate investors » by George E. Dube

When buying real estate today, think about what your situation will be in 10, 20 and more years.

Will you have adequate resources available after taxes are paid? If all goes according to plan, you will age along with your investments. Discussing the appropriate ownership structure for your family, and how it will change over time, can save untold grief and taxes.

In the early stages, having the higher income spouse own properties and receive the deductions common to the early years of investment property ownership provides some tax advantages. As you earn additional income and sell properties, splitting properties between spouses may lower rates of tax within the family. But, changing property ownership can produce expensive tax consequences.

Considering alternative forms of ownership now, such as corporations and family trusts, is prudent. While alternative ownership may be completely inappropriate now, from a tax perspective it may be far more effective to allow for the benefits of a structure to accrue over time. For example, creating a family trust for real estate ownership while your children are five years old may provide an excellent vehicle to pay for post-secondary education while potentially protecting assets.

The more time you have to plan and implement, the more benefits are available. You just don’t want to go overboard in setting up an elaborate structure that generates additional costs and complexity to operate.

However, this is not a do-it-yourself project. While splitting income between family members is generally a good thing from a tax perspective, Canada Revenue Agency restrains certain activities with, for example, the “attribution”

Considering alternative forms of ownership now, such as corporations and family trusts, is prudent. rules. In essence, in some situations the CRA believes that income earned by a family member truly belongs to another who contributed the funds for the investment or previously owned the investment.

We like to discuss structuring real estate investments within a framework of five major categories. Your priorities within the framework mean you can make the best decision for today, and tomorrow. Often, we provide completely different recommendations for very similar situations.

Ultimately, you must decide what is best for you and your family, but you need the input from your advisors to appreciate the choices and ramifications. Unfortunately, your advisors may have differences of opinion and so get them to explain why they believe in one course of action over another. Armed with this information, you can make more knowledgeable decisions.

Ideally, your advisors can have a brief discussion with each other and with you to highlight areas of agreement and disagreement. Then you can weigh the choices.

Generally, we consider our recommendations in the following order, allowing that priorities may differ. A quick overview of these priorities is provided.

...continued on pg 92 90 New home guide GTA | feb 22 - mar 8, 2014

The grass is greener in Chippawa

The Welland - Rosehaven Homes

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

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

9’ main floor ceilings • gourmet kitchens luxurious ensuites • gas fireplaces 1,100 to over 3,200 sq.ft NEW 50’ & 45’ PARK/GREEN SPACE LOTS COMING SOON

The Berkshire - Homes by DeSantis

MODELS TO TOUR!

Live closer to the action. Lyon’s Creek

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

Prices, square footage and specifications correct at press time.

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

CHIPPAWA - NIAGARA FALLS McLeod Rd.

s Lyonk Rd. Cree Mann St.

To Falls

Marineland Pkwy

LyonsCreekChippawa.com

NIAGARA RIVER

St. Main P o

Sodom Rd.

• • • •

rta

ge

Rd

.

MODELS & PRESENTATION CENTRES

Fort Erie

//THE TAX MAN...continued

1. Flexibility Personally, we like having as many choices as possible. Choices of how to remunerate owners, how to structure investments with co-investors without negatively affecting the co-investors, when to remunerate owners, who amongst the owners can be remunerated, how much owners should be remunerated, how properties within the portfolio may be disposed and changing the specific investors in a particular property. Corporations with joint ventures tend to provide more choices as compared to personal ownership or partnerships, for example.

2. Legal issues While this is the domain of lawyers and their advice is paramount, liability concerns are often critical for many investors, so we offer some general comments. From our perspective, we don’t believe that anything approaching a universal opinion exists amongst the legal profession with well respected lawyers on both sides of the “should I incorporate?” question. While not generally an initial concern for investors, discussions of using family trusts in the legal context often takes place for some purchases once you own a base level of real estate. Advisors often talk about limited partnerships in the context of attracting multiple investors.

3. Taxation impact From a tax perspective, no one answer exists concerning forms of ownership with accountants in a similar position to lawyers regarding universality. This is further exasperated by the fact that a structure may be better or worse for you in different cases. For example, your timeline for investment, objectives of your investments, nature of your investments, other business and financial activities currently and in the future, plus family situation, all play a role. For someone unconcerned with flexibility and legal issues, who earns reasonable employment income and who is interested in a “buy and hold” strategy there is little tax incentive to incorporate. Alternatively, someone who wants to flip or develop properties, has more family members interested in owning real estate, or currently earns business income through a corporation may be more inclined to incorporate. Further, someone wanting to attract multiple investors may prefer to remain more neutral from a tax perspective. This can be accomplished using the “flow-through” capabilities of a limited partnership because the investors can themselves decide how they prefer to own their partnership units (for example, personally or through a corporation).

4. Financing considerations With the guidance of your mortgage broker or financial institution representative, consider the impact of the potential structure on receiving financing for current and future properties. Various financing programs are often restricted to personal ownership, for example. Again, we’ve encountered a wide range of opinions from financing professionals but wish to emphasize that many legal and ethical ways exist to attract financing.

5. Professionalism and organizational issues Generally speaking, we think a corporation provides a more professional image and an ability to segregate personal from corporate activities. This level of professionalism may, however, scare off potential vendors or co-investors.

Similarly some people find it much easier to understand and track their real estate portfolio when everything is basically in the same pot, or owned personally as compared to having separate little “shelves” with one or more entities.

This brief synopsis shows that many choices exist, and in fact many more considerations and combinations are available, for ownership. But don’t get taken in by the sexiness of a fancy structure that you don’t understand and fails to meet your needs. You can grow into a structure when you’re ready.

Changing your structure in the future may cost a little more, but you will have additional assets and cash flow to address these costs.

George E. Dube,

CA, CPA, LLP, is a veteran real estate investor, author, and speaker on real estate accounting who is a partner in the firm, Dube & Cuttini Chartered Accountants LLP. He also developed the accountant in-a-box program for real estate investors, and is a member of the Real Estate Investment Network (REIN) Faculty. georgedube@dubecuttini.com

dubecuttini.com @dubecuttini.com 1.877.475.3823

92 New home guide GTA | feb 22 - mar 8, 2014

NOW OFFERING IN EAST BRAMPTON

THE NEXT

BIG THING

IN CASTLEMORE

30% BIGGER Sensational semi-detached homes with a big difference.

474,990

from $

Every home comes with a finished basement.

The Gore Rd.

McVeen Dr.

er Rd.

Ebenez

Albion Vaughan Rd.

ore Rd.

Castlem

SALES CENTRE HOURS: Mon. - Thur. 1pm - 8 pm Sat., Sun & Holidays 11am - 6 pm Fridays by appointment only

SALES CENTRE Queen St. E.

Hwy 7

Hwy 427

townwoodhomes.com

Temporary entrance off Ebenezer

Illustration is artistâ&#x20AC;&#x2122;s concept. Prices and specifications are subject to change without notice. E.&O.E.

93

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3

24

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Mississauga

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17

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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

* Due to scale restrictions locators are approximate. Please see builderâ&#x20AC;&#x2122;s ads for exact locations.

15

19

Starlane Home Corporation Churchill Woods

starlanehomes.com

•

• •

from $562,000

27 4E

20

Forest Hill Homes

Derry Village Mississauga

905-795-8307

•

from $520,000

89 8B

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

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

Page No.

west region:

3

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Mississauga

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Page No.

treasurehill.com

•

21 10N

11 Fieldgate Homes

Lotus Pointe Caledon

fieldgatehomes.com •

•

25 5L

12 Great Gulf Homes

Westfield

905-459-5772

•

from $445,000

84 7Q

905-495-5067

21 Primont Homes

Centretown

•

• •

from $356,000

12 9M

22 Townwood Homes

Marigold

•

from $475,000

93 11l

60 Primont Homes

Castlemore

905-856-5777

• •

from $410,000

13 9K

62 Fieldgate Homes

Valley Lands

905-457-0445

•

• •

from $392,000

Insert & 25 9O

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $509,000

85 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

7

Aspen Ridge Homes

905-230-2592

• •

from $350,000

7M

8

Starlane Home Corporation Vales of the Humber Estates

valesofthehumber.com

•

from $620,000

10N

8

Greenpark Homes

Vales of the Humber Estates

valesofthehumber.com

•

from $620,000

10N

9

Mattamy Homes

Mount Pleasant North

mattamyhomes.com •

• • from $364,000

6P

9

Mattamy Homes

Mount Pleasant Village

Mayfield Village

•

•

•

•

mattamyhomes.com •

• • from $255,000

6P

10 Starlane Home Corporation Mount Pleasant Meadows

meadowsbrampton.com

•

6O

10 Valery Homes

Mount Pleasant Meadows

meadowsbrampton.com

•

6O

11 Greenpark Homes

Lotus Pointe Caledon

LotusPointeCaledon.ca

•

5L

11 Starlane Home Corporation Lotus Pointe Caledon

LotusPointeCaledon.ca

•

5L

11 Rosehaven Homes

Lotus Pointe Caledon

moveuptocaledon.ca

•

5L

17 Pemberton Group

Rosedale Village Golf & Country Club 905-799-5000

•

• • • from $190,000

8L

18 Saberwood Homes

Heart Lake Village

905-773-6549

8N

19 Mattamy Homes

Salisbury Square

mattamyhomes.com •

•

from $314,000

10N

25 Heathwood Homes

Terracotta Village at The Credit Valley

905-874-4741

•

from $430,000

9Q

32 Forest Hill Homes

Ravines of Castlemore

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

48 Aspen Ridge Homes

Credit Manor Heights

905-216-5155

•

•

from $400,000

7Q

48 Regal Crest Homes

Credit Manor Heights

yourkingdom.ca

•

•

from $850,000

7Q

48 Country Wide Homes

Credit Manor Heights

yourkingdom.ca

•

from $850,000

7Q

51 Acorn Homes

Castlegate

acornhomes.ca

•

from $575,000

11K

55 Rosehaven Homes

The Neighbourhoods of Mount Pleasant 416-410-0175

•

•

from $400,000

6P

55 Townwood Homes

The Neigbourhoods of Mount Pleasant

LoveMountPleasant.com •

•

from $270,000

6P

•

• from $300,000

55 Townwood Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

from $270,000

6P

58 Devonleigh Homes Inc.

Meadowlands

519-942-3312

•

•

from $339,000

3C

64 Meridian Homes

Credit Valley Manors

905-216-5186

•

•

from $400,000

8P

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $510,000

6P

Brampton, Caledon, Bolton

Site Vales of the Humber Estates

west region:

Builder

Fi Map nd er

Treasure Hill Homes

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

# Si te IFC-Inside front cover; IBC-Inside back cover

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Acton, Halton Hills, Milton, Burlington, Waterdown

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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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Gu

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Stoney Creek

7

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36

35

St. Catharines

Niagara 420

20

Price Range

Page No.

•

from $350,000

18 12R

•

from $307,000

8-9 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

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1

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3

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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

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Blenh

An

* Due to scale restrictions locators are approximate. Please see builderâ&#x20AC;&#x2122;s ads for exact locations.

Rd

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Page No.

2

Treasure Hill Homes

Nautica at Lakeshore Woods

905-465-9133

•

from $550,000

21 6J

15

Menkes

Millstone On The Park

905-825-3619

•

from $320,000

6-7 3G

Mattamy Homes

The Preserve

mattamyhomes.com •

•

from $900,000

Markay Homes

Bronte Park Town Manors

416-746-1234

•

from $590,000

3G

1 3

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

101

I BUILD CREDIBILITY. “I know a lot of things, but I don’t know everything. BILD means I get timely information. BILD means I know someone I can call who can answer the questions I can’t. This way, I can provide a better service to my clients. Acquaintances become contacts become friends and clients. That is BILD.”

Rodney Ikeda, Partner

Goldman Sloan Nash & Haber LLP Service Professional Member Since 1992

I AM

Get Involved: bildgta.ca

Feb 22 - Mar 8, 2014

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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

106

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 builderâ&#x20AC;&#x2122;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.

1

Tribute Communities

Charing Cross

mytribute.ca

•

from $350,000

15 14E

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

90 LeBovic Homes

Old Taunton in Pickering

905-428-3434

•

2

Brookfield Homes

Hills of Harrowsmith

905-697-1681

•

from $300,000 15G

3

Great Gulf Homes

Stonecrest

greatgulf.com

•

•

from $298,000 15F

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

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 $572,000

• •

105 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

107

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 builderâ&#x20AC;&#x2122;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

108 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

•

•

from $221,000 11B

45 Delpark Homes

Northglen

905-419-7222

•

• •

from $221,000 11B

45 Esquire Homes

Northglen

northglen.ca

from $245,000 11B

48 Brookfield Homes

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

• from $178,000

• • from $286,000

2I

3I 9I

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

109

//hot dates

feb 22-23

The Outdoor Adventure Show

international centre

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

110 New home guide GTA | feb 22 - mar 8, 2014

The Outdoor Adventure Show provides all the steps and know-how to plan high-adrenaline, naturethemed vacations. Attendees learn about the best destinations for zip-lining, dog sledding, ice climbing and more from representatives from Ontario Tourism. Be prepared for nature’s obstacles with first aid, sleeping bags and guidebooks from the Camping Showcase, and take the first step toward accreditation with a seminar in Scuba World’s dive tank. outdooradventureshow.ca feb 22-23

GTA Home Show

international centre The GTA Home Show has products, displays and helpful discussions for homeowners new and old. Step into the Feature Home, a full-sized house outfitted with up-to-date design trends and fresh ideas for remodeling projects to impress potential buyers.

Bring paint chips and swatches to What’s Your Design Dilemma?, an

opportunity to have a personalized, 10-minute talk with an interior designer about style and proper procedure. Find housewares, taste gourmet dishes and take in demonstrations in the Food Hall before relaxing in front of the Sports Lounge’s large-screen TV. gtahomeshow.com feb 22-23

Canadian International Auto Show

metro toronto convention centre

The largest auto show in Canada is back with some of the most exciting cars of the year. The annual event showcases more than 1,000 new cars, trucks, SUVs, luxury vehicles, motorcycles and more. Scout out future purchases, check out the latest technologies and browse more than 100 exhibitor booths for new and trendy car products and services.

In addition to vehicles that will be rolling on to the lots of dealerships around the country, the auto show will also be displaying some concept cars and high end models you won’t be finding out in the city. autoshow.ca

homebuyers’ help//

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

» Calculate your mortgage payments using the mortgage payment calculation chart

feb 22 - mar 8, 2014 | New home guide GTA 111

Calculate your mortgage payments interest rate

amortization period

chart figure

example: 5%

25 years

5.82

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

125

monthly payment

$

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

01 02 03

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

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

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

04

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

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

05

06 07

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

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

Multiply this figure by the amount you need to borrow.

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

112 New home guide GTA | feb 22 - mar 8, 2014

Mortgage payment calculation chart %

Interest Rates

10 years

Amortization Periods

15 years

20 years

25 years 4.73

4.21

4.99

4.48

3.00%

9.65

6.90

5.54

3.50%

9.88

7.14

5.79

3.25% 3.75%

9.76

9.99

4.00%

10.11

4.50%

10.34

4.25% 4.75%

5.00% 5.25%

5.50% 5.75%

6.00%

6.50%

6.25% 6.75%

7.00%

7.25%

7.50%

7.75%

10.23 10.46 10.58

9.00%

7.75

7.88

11.00%

11.25%

11.31 11.43

8.53

8.66

8.80

11.56

8.93

11.81

9.21

11.68

5.82

6.85

6.10

9.07

7.12 7.41

7.55

7.69

7.84

12.58

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 feb 22 - mar 8, 2014 | New home guide GTA 113

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

ATB Financial 2.7 2.94 2.89 2.99 3.39

6.30op 6.30op 6.50op Alterna Svgs/Alterna Bk 2.75 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 2.65 4.45 2.7 3.95 2.93 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 3.49 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 3.75 4.64

6.70op 6.70op Presidentâ&#x20AC;&#x2122;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 3.45 3.69 3.49 5.24 3.44 3.69 3.49 3.89 3.99 3.59 3.59 4.09 3.69 3.69

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

Home Trust Company 2.5 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 3.7 4.6 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 3.29 5.24 3.49

OTHER FINANCIAL INSTITUTIONS 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 MCAP 2.6

Meridian Credit Union 2.75 4

Parama Credit Union 2.85 Steinbach Credit Union 2.5

3.01 3.1 3.33 3.65 3.99 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 3.6 3.95 4.35 4.89 7.00op 3.09 3.14 3.65 3.39 6.30op 3.05 3.1 3.25 3.4 2.7 3 3.1 3.25

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

R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE February 10, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

114 New home guide GTA | feb 22 - mar 8, 2014

3.59 3.39 3.49 5.34 5.14 3.49 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 feb 22 - mar 8, 2014 | New home guide GTA 115

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

Feb 22 - Mar 8, 2014 Volume 22 Issue 4

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February 8 - 22, 2014 Volume 14 Issue 3

Eastern Ontario Edition

Your Best Source for New Homes and Condos

Brantford

Yorkville living.

Above the ordinary.

INSIDE THIS ISSUE

TAX TIPS FOR HOMEBUYERS

KoL Condos

Now SelliNg

Must see. Must have.

Our Dream Home Gallery is now open.

Tour our 5 models today and see why

THE PENTHOUSE COLLECTION FROM $1.5 MILLION

TORONTO: NORTH AMERICA’S CONDO BOOMTOWN

INSIDE THIS ISSUE

STYLE FILE: SPLURGE VS. SAVE

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INSPECT YOUR HOME BEFORE YOU MOVE IN

HOW AFFORDABILITY AFFECTS US ALL

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INSIDE THIS ISSUE

in Blackstone!

THE GREEN FEATURES OF TODAY’S NEW HOMES

HOW TO DEDUCT MORTGAGE INTEREST

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