GTA New Home Guide - Feb 18, 2017

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

GTA EDITION

NOW UNDER CONSTRUCTION

VILLAGE VILLAGE IN IN AURORA AURORA TREASUREHILL.COM

INSIDE THIS ISSUE

TIME TO ADDRESS GTA’S LACK OF HOUSING SUPPLY

YOUR NEW HOME WARRANTY: COMPREHENSIVE & AFFORDABLE

THE HOTTEST DESIGN TRENDS FROM IDS17

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contents FEB 18 – MAR 4, 2017 | VOLUME 25 ISSUE 04

24

ON THE COVER

Treasure Hill Homes – urban town living at Time Village

+ online NEIGHBOURHOOD

HOME SEARCH

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MAPS

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24 Mattamy Homes

10

You’re never far from a Mattamy Home

neighbourhood profile

38

WITH

DYNAMIC

property profile

LOOK FOR THE CIRCLE

16

Whitby

Fit for a variety of tastes and lifestyles

18

Homebuying

Double-digit price increases forecast for GTA in 2017

EnerQuality

Awards finalists named, Paul Golini to be honoured

Personal Finance

Nearly half of Canadians lack a financial plan: CIBC

28

14

8

34

26 12

Fundamentally Speaking

CMHC raising mortgage insurance premiums

by Wayne Karl

26 Mortgage Advice

3 tips to help first-time buyers get into the market

by Alyssa Furtado

32

Legally Speaking

Why foreign investors love Canadian real estate

by Jayson Schwarz

buyers’ resource section

42 Hot Properties 20 Kylemore Communities Kylemore celebrates 20th anniversary

inspiration

34 Editor’s Choice

What caught our eye at the Interior Design Show

26 Housing Market

32

GTA home prices spilling over into surrounding areas

advice

Housing Market

8

Why Americans can’t just move to Canada and buy our homes

BILD Report

It’s time to address GTA’s lack of housing supply

by Bryan Tuckey

New releases, openings and preview registrations

45 Mortgage Rates in every issue

4

Editor’s Note

6

Contributors

46 What’s Online 47

Advertiser Index

Editor’s Note

Impact of transit even more pronounced IT MIGHT NOT EXACTLY come from the Captain Obvious

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

file, but the notion that proximity to transit infrastructure has a provable impact on housing certainly belongs in the folder of common sense.

Home builders have long touted such features as among the most appealing for their communities; buyers have experienced the convenience first-hand; and plenty of research from investment groups and other bodies illustrates there is a quantifiable benefit.

Now, new information from the Toronto Real Estate Board provides another indisputable chapter. TREB commissioned a study by the Canadian Centre for Economic Analysis on how improved infrastructure, particularly the Metrolinx Regional Express Rail (RER), can impact housing affordability.

Among other findings, research shows the impact of RER on affordability is largely positive – especially when the new infrastructure provides residents with more commuting options.

Why is this important – besides potentially adding price premiums of up to 12 per cent to a home’s value? For insight into these and other issues facing the GTA, read pages 8 and 10.

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Contributors

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)

VICE-PRESIDENT & CHIEF PUBLISHING OFFICER

Caroline Andrews PUBLISHER & GENERAL MANAGER

Shawn Woodford DIRECTOR OF SALES, NATIONAL

Moe Lalani ASSOCIATE PUBLISHER

MORTGAGE ADVICE

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

Anne-Marie Breen SENIOR MANAGER, CONTENT

Jennifer Reynolds EDITOR

Wayne Karl ART DIRECTOR

Tammy Leung

LEGALLY SPEAKING

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

CONTRIBUTING EDITORS

Sonia Bell Elisa Krovblit Lydia McNutt

SENIOR ACCOUNT EXECUTIVE

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

TARION REPORT

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

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

Terry Basset NATIONAL CIRCULATION MANAGER

John Jenkins

PRODUCTION MANAGER

Helen Pearce

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

PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic GRAPHIC DESIGNERS

Miguel Cea Mike Terentiev

Published by

DESIGNER ADVICE

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

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

ADVERTISING Call 416.626.4200 for advertising rates

MONEY MATTERS

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

Follow Gail on Twitter at twitter.com/GailVazOxlade

DESIGNER ADVICE

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

6 YPNEXTHOME.CA

and information.

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

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

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

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

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Advice | BILD REPORT

It’s time to address the GTA’s lack of housing supply

By Bryan Tuckey

MORE ADVICE ONLINE ypnexthome.ca/news/advice

IT’S TIME FOR GOVERNMENTS to acknowledge that we have a severe shortage of housing supply in the GTA and take action to address it.

There are not enough new homes coming to the market to meet the demands of our growing population, and that is causing new, resale and rental housing prices to rise.

In the last decade, the GTA’s population has grown considerably but housing supply has dropped.

There are less than half the number of homes available for sale today than there were 10 years ago. Last month there were 13,670 new homes in builder inventories, whereas in December 2006 there were 30,400.

The biggest decline was in lowrise homes with the number of detached, semi-detached homes and townhomes falling from 17,529 in 2006 to 1,878 at the end of 2016.

The industry is building and selling far fewer lowrise homes than a decade ago in compliance with provincial intensification policy, but demand for such homes has remained strong and prices have soared.

Prices for new lowrise homes in the GTA have more than doubled in 10 years with the average hitting $995,116 in December 2016. On average new single-family detached homes cost $1.3 million last month, which is $811,394 more than in December 2006.

The GTA’s new condo market had a record year in 2016 with 29,186 8 YPNEXTHOME.CA

units – the most ever – sold. At the same time the supply of new condos available to buyers fell to its lowest level in 10 years.

So why doesn’t the home building and land development industry just build more homes to meet demand?

Unfortunately, we are hindered by a number of barriers including a lack of approved developable land that is serviced with critical infrastructure, outdated zoning, excessive red tape and NIMBYism.

Much of the land designated for development in the GTA does not have critical infrastructure like water, wastewater and hydro in place so the land can’t currently be built on. In some cases, that infrastructure won’t be in place for at least another decade.

Excessive red tape and increasing delays in planning approvals are also adding to project timelines and impacting supply. It can take up to a decade or more to get a typical new lowrise development to get approved and high-rise projects can take up to seven years. Outdated zoning bylaws in many GTA municipalities create additional delays to the approval

process. All new development applications must conform to area zoning bylaws to get approved but lots of municipalities have badly outdated bylaws that don’t conform to provincial intensification policies.

Addressing our housing supply problem should be made a priority by governments at all levels. It’s time to streamline the planning approval process and remove red tape, approve all outstanding environmental assessments that relate to critical infrastructure, predesignate and pre-zone land and ensure that all zoning bylaws are updated across the region.

This is not a time for small plans.

It’s time to work together and address our housing supply crisis so that today’s new-home buyers and future generations have somewhere to live.

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

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Trending

Tight supply and strong demand means double-digit price growth in the GTA this year

By Wayne Karl

TIGHT SUPPLY AND STRONG demand will dominate the GTA market this year, resulting in double-digit home price growth, according to the Toronto Real Estate Board (TREB).

While this forecast may be good news for existing homeowners, it might be the last thing prospective homebuyers want to hear. It underlines the growing affordability crisis and other challenges facing prospective buyers in the Toronto market, TREB says in its 2017 outlook.

“We have a shortage of housing supply in the GTA that is approaching crisis levels,” says Bryan Tuckey, president of the Building Industry and Land Development Association (BILD), who was among the experts in the housing sector who spoke at TREB’s recent annual Market Year in Review, Outlook & Economic Summit. “It’s time for governments to acknowledge the problem and take the necessary steps to address it.”

The “problem,” as Tuckey and several other leaders in the industry see it, is provincial government land use policy which restricts housing supply.

Such policy, adds Paul Smetanin, president and CEO, Canadian Centre for Economic Analysis, results in “almost one-third of the population in Ontario is under “extreme housing affordability pressure.”

“Lack of developable land that is serviced with critical infrastructure, excessive red tape, out of date zoning and NIMBYism are the key hindrances limiting our ability to build more housing,” Tuckey says.

The dearth of supply of new lowrise homes, in particular, means everything that is built is snapped 10 YPNEXTHOME.CA

up in a hurry. The same dynamic then plays out in the resale market, where declining listings mean intense competition for homes for sale, which then leads to steep price increases.

According to TREB’s Market Year in Review & Outlook Report, the growth rate for the average selling price in the GTA will be between 10 and 16 per cent, with an average price range between $800,000 and $850,000, Lowrise home types, including detached and semi-detached houses and townhouses, will experience the strongest price growth, but the condominium apartment market segment will remain tight as well.

“While changes to federal mortgage lending guidelines and higher borrowing costs may impact

some would-be home buyers, the big impediment will be the lack of inventory,” says Jason Mercer, TREB’s director of market analysis. “Active listings at the end of December were at their lowest point since before the year 2000. It is unlikely that the shortage of listings will improve to any great degree over the course of the next year. This will put a ceiling on sales growth.”

TREB is forecasting another strong year in 2017, with more than 100,000 sales forecast for the third consecutive year. Between 104,500 and 115,500 home sales are expected this year, with a point forecast of 110,000 – down slightly from 113,133 sales in 2016.

Despite the ominous landscape,

focus on innovative solutions to the housing supply issue.”

For example, a foreign buyer tax in the GTA, similar to the one introduce in Vancouver last year, would be misguided, the association says.

To obtain empirical data on foreign buying activity in the GTA, TREB commissioned Ipsos in November 2016 to survey its members who acted on behalf of homebuyers during the preceding 12 months, as to foreign buying activity in the region.

Key findings include: » Only an estimated 4.9 per cent of GTA transactions involved a foreign purchaser. » The majority (40 per cent) of foreign buyers purchased a home as a primary residence, to rent out to tenants in a tight GTA rental market (25 per cent) or for another family member to live in (15 per cent). » Less than two per cent of realtors had been involved in a transaction for a foreign buyer which they knew was impacted by the foreign buyer tax in British Columbia.

MORE TRENDING ONLINE ypnexthome.ca/news

a homebuyers survey conducted by Ipsos in November 2016 on behalf of TREB, indicates that GTA households are still upbeat about their homeownership prospects this year.

This included first-time buyers, whose share of overall buying intentions increased to 53 per cent from 49 per cent a year earlier. Compared to a similar survey conducted at the end of 2015, the number of likely buyers was down slightly.

The Ipsos survey confirmed that likely homebuyers are expecting to see strong home price increases in 2017. However, the average buyer is planning to make a substantial down payment – 27.6 per cent for all recent homebuyers combined and 23.9 per cent for first-time buyers.

Given the array of challenges facing the market, TREB cautions that government policy changes should be weighed carefully against unintended consequences.

“Housing affordability, and affordable homeownership in particular, is a growing concern,” says TREB CEO John DiMichele. “Home prices will increase well above the rate of inflation and income growth in 2017, as the supply of listings remains very constrained. While governments have been focusing their policy solutions on allaying demand, what is needed are policies that focus on the lack of available homes for sale and for rent. The public, private, and not-for-profit sectors need to come together to

Sean Speer, Munk Senior Fellow for Fiscal Policy, Macdonald-Laurier Institute, says worrying about the level of foreign investment in the GTA has “caused us to take our eye off the ball” regarding the real affordability issue and its causes.

TREB also cautions against the proposed additional land transfer tax on foreign buyers. Unintended consequences could include: » Tighter market conditions and stronger price growth in neighboring communities/regions without a tax. » Less rental supply, because the number of investors looking to purchase and rent out a property could decline; and » A potential negative impact on immigration, and population growth in the GTA, on net, is driven by immigration.

FEB 18 - MAR 4, 2017 | NEW HOME GUIDE 11

Advice | TARION REPORT

Your new home warranty is comprehensive and affordable

By Howard Bogach

MORE ADVICE ONLINE ypnexthome.ca/news/advice

VALUE FOR MONEY is top of mind with

consumers these days, and when I read a recent New York Times article about extended warranties, it got me thinking about warranties in the context of new homes.

The article talked about the practice of encouraging consumers to purchase an extended warranty, above and beyond the manufacturer’s warranty, when they buy a product.

In Ontario, new home builders are required to provide a set of warranties that last up to seven years on every new home they build. This is the law. Before construction begins, the builder must enrol the home in the warranty program.

While builders pay the enrolment fee, this cost is often passed on to the purchaser, like virtually every other cost a builder incurs, including overhead or administration fees.

Yet, for a one-time investment, ranging from $385 to a maximum of $1,500, depending on the value of the home, new-home buyers are covered for defects in workmanship and materials and violations of the Ontario Building Code for up to seven years to a maximum of $300,000.

These are the core components of the Ontario new home warranty.

However, there are a number of additional protections, not available in other jurisdictions, that provide value to Ontario’s new-home owners.

Even before you move into your new home, the warranty program protects your deposit up to $40,000 12 YPNEXTHOME.CA

for freehold homes and $20,000 for condominium units.

There is also compensation for delayed closing or occupancy. If your builder agreed to deliver your home by a certain date (whether the original date or a date that was properly extended) and fails to deliver on time, your builder may be required to compensate you for that delay. The maximum compensation is $7,500.

Coverage for radon gas is another feature of the warranty that sets it apart from others in Canada. If excessive levels of radon gas are found in your home anytime during the seven-year period of your warranty, you may be covered for remediation of the gas.

The warranty also protects you against unauthorized substitutions.

If your choice of hardwood flooring in the dinning room was contained in your Agreement of Purchase and Sale and accepted by the builder,

then your builder must provide that flooring. If it’s not available, your builder must ask you in writing to make another selection.

Tarion also addresses risks associated with illegal building.

Illegal builders typically avoid enrolling a new home in the warranty program, which means the homeowner is likely unaware of their rights and responsibilities under the warranty. The good news is that if the builder fails to enrol a home, there may still be a warranty for the home.

All of these protections add up to provide Ontario’s new home buyers with comprehensive warranty coverage that is also affordable.

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.

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Advice | FUNDAMENTALLY SPEAKING

CMHC to increase mortgage insurance premiums – again

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

CANADIANS ARE about to face yet another potential home-buying hurdle, as Canada Mortgage and Housing Corp. (CMHC) has announced that it is increasing its homeowner mortgage insurance premiums effective March 17, 2017.

Unlike the latest changes to mortgage regulations, announced late last year, this newest round is expected to have a minor impact.

CMHC says the higher premium will result in an increase of just $5 to the monthly mortgage payment of the average CMHC-insured homebuyer.

“We do not expect the higher premiums to have a significant impact on the ability of Canadians to buy a home,” says Steven Mennill, senior vice-president, Insurance. “Overall, the changes will preserve competition in the mortgage loan insurance industry and contribute to financial stability.”

“The increase in premiums for high ratio mortgages will have a minor effect on the average Canadian,” James Laird, co-founder of RateHub and president of CanWise Financial, told New Home Guide.

“Relative to the rule changes that were implemented in late 2016, this is not a major change. Premiums will be increased for all of those Canadians with less than 20 per cent down, but these premiums are added on to the mortgage and paid off over the life of the mortgage, so the cash required on closing does not change. This change specifically will not impact the borrowing habits for the majority of 14 YPNEXTHOME.CA

high ratio clients.”

Using RateHub’s mortgage payment calculator, based on an average home price of $730,472 with a minimum down payment of 6.6 per cent (or $48,047), the current premium is 3.6 per cent of the mortgage amount (purchase price less down payment). For that mortgage amount of $682,425, the CMHC premium is $24,567. With the new premium at four per cent of mortgage amount, the CMHC premium becomes $27,297 – an increase of $2,730. This translates to a mortgage payment increase of approximately $12 per month (based on today’s best rate of 2.44 per cent, amortized over 25 years).

If that buyer has an 18-per-cent down payment, the total down payment would be $131,485. At the current premium of 1.8 per cent of the mortgage amount, that buyer is paying $10,782 in CMHC insurance.

At the new premium of 2.8 per cent of the mortgage amount, the CMHC premium becomes $16,772 – a $5,990 difference for that buyer. This translates to a mortgage payment increase of approximately $27 per month (based on 2.44 per cent amortized over 25 years), RateHub says.

Capital requirements are an important factor in determining mortgage insurance premiums. The changes reflect the Office of the

Superintendent of Financial Institutions’ new capital requirements that came into effect on Jan. 1 of this year that require mortgage insurers to hold additional capital. Capital holdings create a buffer against potential losses, helping to ensure the long term stability of the financial system.

Prior to the mortgage rule changes... » The average CMHC-insured loan was approximately $245,000. » The average down payment was approximately eight per cent. » The average gross debt service ratio (GDS) was 25.6 per cent.

To qualify for CMHC insurance, a homebuyer’s GDS should not exceed 32 per cent of their total monthly household income.

Premiums are calculated based on the loan-to-value ratio of the mortgage being insured. The premium can be paid in a single lump sum but more frequently is added to the mortgage principal and repaid over the life of the mortgage as part of regular mortgage payments.

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

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FEB 18 - MAR 4, 2017 | NEW HOME GUIDE 15

Trending

EnerQuality names awards finalists, to induct Paul Golini into Hall of Fame EACH YEAR AT THE Housing Innovation Forum, the EnerQuality Awards recognize the leaders, influencers and innovators in the residential Green building and construction industry in Ontario.

The careful review process of award nominees culminates with the EQ Awards ceremony on Feb. 23, 2017 at the Universal EventSpace in Vaughan.

EQ Housing Innovation Forum is where new thinking, new products and new techniques are shared with the goal of advancing building performance. This year brings a focus on innovation in building science, climate change policy, and performance-based architecture. It also brings back the ever-popular “Dragon’s Den”-style Innovation Gauntlet.

While everyone else has to wait until Award night, Paul Golini, executive vice-president and cofounder of Empire Communities, knows he is this year’s EQ Hall of Fame inductee. Paul joins an illustrious group of Green building champions who share the Hall of Fame, including recent honorees such as Andy Goyda, Canadian builder lead and market development manager for Owens Corning Canada

and Peter Gilgan, founder and CEO of Mattamy Homes.

This year, the categories have been expanded to include the Builder Achievement Award, developed to honour an outstanding individual who

2017 EQ Award Nominees Building Innovation – Lowrise Arista Homes Doug Tarry Homes Lindvest Mason Homes Reid’s Heritage Homes RND Construction

Lisa Bergeron, JELD-WEN Windows & Doors Marlon DaSilva, Mosaik Homes Robert Lucchetta, Lucchetta Homes

Energy Star for New Homes Builder of the Year – Small/Custom Castleform Developments Gemini Homes Lucchetta Homes SanDiego Homes

Best Green Renovation Project of the Year

Energy Star for New Homes Builder of the Year – Mid Volume

Eurodale Developments RND Construction Seaman and Sons Builders

Best Green Marketing Campaign of the Year Great Gulf Menkes Developments

Building Knowledge John Godden RGL Consultants Mark Rosen Matthew Salkeld Jack Zhou

R-2000 Builder of the Year RND Construction Seaman and Sons Builders Sloot Construction Steve Snider Construction

Net Zero Builder of the Year Doug Tarry Homes Lucchetta Homes Minto Group Inc. Reid’s Heritage Homes

16 YPNEXTHOME.CA

Energy Star for New Homes Champion of the Year

Greenpark Times Group Corp.

Tricar Group

Building Innovation – Mid-Highrise

Evaluator of the Year

Paul Golini

is making significant contributions to their organization and community through their commitment to continuous learning, passion and leadership in improving green building practices.

Arista Homes Coscorp Doug Tarry Homes Mason Homes Sean Mason Homes Tartan Homes

Energy Star for New Homes Builder of the Year – Large Volume CountryWide Homes Empire Communities Minto Group Inc. Remington Homes

Ontario Green Builder of the Year Arista Homes Empire Communities Mason Homes Minto Group Times Group Corp.

Reid’s Heritage Homes

Builder Achievement Award Jacqueline Collier (Tamarack Homes) John Corvinelli (Corvinelli Homes) Stephen Doty (Empire Communities) Roy Nandram (RND Construction) Doug Tarry (Doug Tarry Homes) Jennifer Weatherstone (Reid’s Heritage Homes)

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Trending

Nearly half of Canadians lack a financial plan: CIBC poll

NEARLY HALF (46 per cent) of

Canadians do not have a financial plan in place to reach their goals, despite many feeling concerned about their retirement years, according to a new CIBC poll.

“While most of us have a fairly good sense of our financial goals, so many Canadians do not have a clear road map in place to achieve what they want today – and tomorrow,” says Sarah Widmeyer, managing director and head of wealth strategies, CIBC. “Whether the goal is to eliminate debt, save more, or retire early, you can achieve success with a financial plan.”

18 YPNEXTHOME.CA

Key poll findings include: » 54 per cent of Canadians surveyed have a financial plan, with » 64 per cent of them having a long-term plan that identifies their savings goals and the steps to achieve them » And 36 per cent who describe it as only a budget they review regularly, a short-term plan or ‘other » 46 per cent of Canadians surveyed do not have a financial plan » with 42 per cent of them saying they ‘have a pretty good idea’ and don’t need to write it down » When thinking about retirement,

just over half (51 per cent) are most worried about increasing health care costs, 45 per cent are concerned about how to manage unexpected expenses, and 43 per cent worry that they won’t have enough money to live the life they want.

Life gets in the way According to previous CIBC polls, paying down debt has been the top financial priority for Canadians for seven straight years, indicating few people are making headway on their goals.

“We all aim to have a sufficient nest egg for retirement and money to

handle the unexpected, but everyday life has a tendency of getting in the way,” says Widmeyer. “By setting out a clear path to your goals, a financial plan can help you stay on track. It also gives you the confidence to manage surprises, so that setbacks don’t put your retirement dreams and other goals at risk.”

The poll finds that having a financial plan in place makes Canadians feel more confident in their ability to manage unexpected changes in their finances. Additionally, those who have a financial advisor (61 per cent) also feel better able to manage setbacks.

The poll surveyed Canadians with household incomes above $100,000.

A financial plan and a budget are not the same The poll findings show that even among those who do have a financial plan, more than a third (36 per cent) appear to be confused about how it differs from a budget, pointing to a limited understanding of the full value and purpose of a financial plan.

“While budgeting and financial planning go hand-in-hand, a budget alone is insufficient in crafting the life you want in the future,” says Widmeyer. She adds that confusing a budget with a financial plan may leave Canadians ill-prepared.

Widmeyer describes a financial plan as a clear, written report detailing an individual’s personal goals, financial needs and priorities in areas such as income and expenses, taxes, mortgage planning, education needs, retirement, estate planning and insurance. A financial plan also incorporates assumptions like inflation, the time to a goal and expected rates of return, which many may miss on their own, she adds.

“There are many things to consider depending on your life stage, income and lifestyle expectations,” says Widmeyer. “Is it better to pay down debt or save? Are you saving enough?

Could you possibly retire earlier than you thought? These are some of the questions a financial plan can help you answer and where the real value of a plan lies.”

Tips for the ages

In your 20s and 30s When you’re starting out, it’s important to manage debt effectively and keep an eye on savings. Taking advantage of the Home Buyers’ Plan can help you build a down payment for your first home, while saving through a TFSA could save your RRSP contribution room for years when you’re likely to earn a higher income.

In your 40s and 50s For the sandwich generation, it’s all about balance. Competing priorities pull you in different directions, and can make it difficult to stay on track. Look for ways to maximize savings through Registered Education Savings Plans, and be sure to balance your portfolio to fit the right time horizon, risk tolerance and accurately forecast future cash flow.

In your 60s and beyond For those at or nearing retirement, it’s important to understand your new income needs, lifestyle and plan for any unexpected health costs to set a clear course for the years ahead. Knowing the right time and amount to withdraw from Registered Retirement Income Funds to reduce tax liabilities and continue saving for later years, while discussing your estate can help protect your wealth and minimize taxes.

MORE TRENDING ONLINE ypnexthome.ca/news

FEB 18 - MAR 4, 2017 | NEW HOME GUIDE 19

Trending

Kylemore Communities celebrates 20th Anniversary, Year of the Rooster

LUXURY HOME BUILDER and land

developer Kylemore Communities kicked-off its 20th year by ushering in the Year of the Rooster in grand style.

Attending the celebration hosted by Kylemore President Patrick O’Hanlon and Cailey Stollery, president of Angus Glen Golf Club, were City of Markham Mayor Frank Scarpitti, local Councillors, guests and staff.

“We’ve achieved so much in the last two decades and we wanted to celebrate our success with some of our key supporters,” says O’Hanlon. “Our commitment to continue to contribute to Markham’s excellent reputation here and overseas is unwavering. We have many spectacular new communities planned which will come to fruition in the next few years.”

20 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

Cailey Stollery, whose late father founded Kylemore with O’Hanlon in 1997, expressed the importance of this milestone for her family.

Mayor Scarpitti congratulated the company and Stollery family on their rich history of engagement in the Markham community, one that extends beyond the design and construction of homes and communities to volunteering and philanthropy.

Kylemore Communities is the recipient of the 2014 Markham Design Excellence Award for Angus Glen Community, which was also awarded the Building Industry and Land Development (BILD) Association’s 2013 Places to Grow Community of the Year Award.

For more information about Kylemore Communities visit the presentation centre at 4500 Major Mackenzie Dr. (northwest corner of Major Mackenzie Drive and Kennedy Road), Markham. Call 905.887.9950. To register for upcoming new home opportunities, visit kylemorecommunities.com

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Advice | MORTGAGE ADVICE

First-time homebuyers 3 steps required to get into the market

By Alyssa Richard

MORE ADVICE ONLINE ypnexthome.ca/news/advice

PURCHASING A HOME will be one of the biggest investments you’ll ever make. If you’re just starting to look, there are a few steps you’ll need to take before you can buy a home.

Determine how much you can afford First, you have to determine what you can afford. Your affordability is based on your household income, your current monthly debt payments and the costs associated with owning a home (such as property taxes, heating costs, and condo fees).

A lender will also look at two ratios to figure out how large your mortgage can be. The first is called the gross debt service ratio. Your monthly housing costs for (principal and interest, taxes, and heating costs) shouldn’t be more than 32 per cent of your gross income. The second is called the total debt service ratio, which includes your housing costs as well as any loan expenses (such as credit card and line of credit payments, and car loans or leases).

This ratio shouldn’t be higher than 40 per cent of your gross income.

You also have to come up with enough money to make a down payment. You’ll need to have a minimum of five per cent. If you’re able to come up with a down payment of 20 per cent or more, you won’t need mortgage loan insurance.

And you should also have money saved for closing costs, which could be between 1.5 and four per cent of the purchase price of your property.

22 YPNEXTHOME.CA

Dip into savings Once you’ve determined how much you’ll need, you’ll have to find a source for your down payment and closing costs, one of which can be your RRSP. Under the Home Buyers’ Plan, you can withdraw up to $25,000 from your RRSP on a tax-free basis as long as the funds have been in the plan for more than 90 days.

If you’re purchasing a property with a partner who’s also a firsttime buyer, you’ll each be able with withdraw $25,000.

Keep in mind that the money has to be paid back starting the second year after you make the withdrawal and you have up to 15 years to repay the amount. If you don’t make an annual payment, you’ll have to declare it as taxable income on your tax return for that year.

If your RRSPs or other savings aren’t enough, your family may be able to help you. In fact, an April 2015 BMO survey found 42 per cent of first-time buyers expect their parents or relatives to help pay for their first home.

Shop for a mortgage It can pay to shop around. If you and your partner go with the first mortgage rate you find, you could end up paying a lot more.

Let’s assume the following: you plan on buying a $500,000 home with a $400,000 mortgage, your amortization period will be 25 years, and you have a five-year fixed rate of 3.5 per cent. That means your total mortgage payment will be $1,997 a month.

But if you do a little research, you could save some money. If you’re able to get a mortgage with a fiveyear fixed rate of 2.5 per cent, your payments will be $1,792, a difference of $205 a month or $2,460 a year.

That’s why you should look for the best mortgage rates.

You need to be ready financially before you’re able to purchase a property. Knowing what steps are involved to become a first-time homebuyer will allow you to start your search for buying a home.

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.

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Property Profile | TREASURE HILL HOMES

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Time Village is under construction Urban town living in Aurora TIME VILLAGE is more than just a place to move – it’s an urban experience in the heart of one of the GTA’s most desirable locations to live. This new urban town living development introduces modern design and innovation to Yonge and Wellington Streets in the heart of downtown Aurora.

The greatest news about Treasure Hill’s latest development is that Time Village is now under construction!

At Time Village, you will have the opportunity to buy a brand new home with spectacular features which you 24 YPNEXTHOME.CA

can move into soon and start living.

Situated at Wellington Street West and Yonge Street in the sought-after town of Aurora, Time is surrounded by everything you will need and want.

You will be just moments away from restaurants, shops, schools, golf courses, entertainment and recreation facilities and so much more. Aurora is also known for its stunning natural beauty with more than 700 acres of parkland and 57 kilometres of beautiful trails just waiting to be explored.

For all those who are commuters, this location could not be more

perfect for you. Getting around the GTA is easy when you live at Time Village, as the surrounding area encompasses a comprehensive transit system. You will have quick access to Hwy. 404, Viva Transit and the Aurora GO Station is within a short walking distance of Time Village.

Time Village will liven up the streets of Aurora, boasting an urban look and unique design, appealing to all savvy homebuyers. An assortment of models are available for you to choose from, ranging in sizes up to an impressive 1,560 sq. ft. Each unit

Location

Aurora Builder

Treasure Hill Homes Development

Time Village Home Type

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treasurehill.com

showcases an inspiring use of space, with some layouts including up to three bedrooms, walk-in closets and many luxurious features such as nine-ft. main level ceiling heights. All units include 2.5 washrooms, granite kitchen countertops, stainless steel appliance package and more.

One of Time’s best features is the outdoor component which is standard with each unit. Every model is inclusive of either a garden patio or rooftop

terrace, both perfect for hosting friends and families. There is ample room for patio furniture and a barbecue.

The rough-in gas barbecue line is a standard feature in all of the units You can create the perfect hosting space or a comforting spot to enjoy your time relaxing. Either way, it is a place you will love to spend your Time.

Treasure Hill is an award-winning home builder, known for building spectacular urban homes across

the GTA. Every Treasure Hill Home combines many elements: a well-designed floorplan, quality craftsmanship, great value, a convenient location, and most importantly, the special feeling that this is a place you want to call home.

For more information about Time Village or upcoming Treasure Hill projects, visit the brand new treasurehill.com, featuring a modern look and easy-to-use interface.

FEB 18 - MAR 4, 2017 | NEW HOME GUIDE 25

Trending

GTA home prices spilling over to surrounding centres

INCREASING HOME PRICES in the Greater Toronto Area (GTA) are having a spillover effect in surrounding centres, particularly those within commuting distance. This analysis is part of Canada Mortgage and Housing Corp.’s (CMHC) latest Housing Market Insight (HMI) report on the relationship between GTA home prices and those of neighbouring markets.

While most Ontario markets have seen substantial home price increases over the past 20 years due to favourable economic conditions, more recently, CMHC detected moderate or elevated evidence of overvaluation in Hamilton and the GTA, suggesting that price appreciation in those centres is partly driven by other factors.

Report highlights include » GTA house prices have increased disproportionately compared to other Ontario CMAs. 26 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

» Single-family home prices in the GTA are motivating buyers to purchase more affordable homes in nearby CMAs, driving up prices in those centres. » Historically, house price spillovers from the GTA were prevalent in Hamilton, Barrie and Guelph. » More recently, house price spillovers have been occurring a bit farther out, especially in St. Catharines-Niagara, driven by the price of lowrise homes in the GTA To further illustrate the spillover effect, the report also considers the potential impact that a positive and negative shock to GTA home prices may have on surrounding areas. While these scenarios are in no way predictions, they demonstrate that should GTA house prices rise unexpectedly by 10 per cent in a given quarter, Hamilton house prices could rise by 14 per cent within a year. Conversely, an unexpected 10 per cent contraction in GTA prices could lead Hamilton prices to decline by 14 per cent within a year. In both cases, the impact would moderate over time and be less pronounced in other nearby communities.

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Property Profile | MATTAMY HOMES

You’re never far from a

MATTAMY HOME IT’S NO ACCIDENT THAT MATTAMY HOMES is Canada’s

largest home builder. The company has spent nearly 40 years committed to carefully planning communities and building places that people love to call home. As a testament to how much people love their Mattamy homes, the family that lived in the first home Mattamy ever built stayed in that home for more than 25 years.

Since that first home was built, Mattamy has gone on to build more than 70,000 homes in hundreds of communities across Canada and the United States.

It’s not just the number of homes Mattamy has built that illustrates its success, it’s the amount of research, planning and design that truly sets them apart. Mattamy is rigorous about every single aspect of community planning. Mattamy assesses the landscape and determines what natural elements can be preserved, then, anticipating how people want to live and play in their community, they introduce amenities like parks, trails and other features that deliver anything families might enjoy. The result is a plethora of well-planned 28 YPNEXTHOME.CA

communities that are distinct yet integrate with the nature that surrounds it.

What’s truly remarkable about the way Mattamy builds is how much thoughtful design goes into every square foot of each home. This approach to design has become Mattamy’s signature, giving homes distinctive architectural features that make the spaces completely functional and aesthetically brilliant.

Features such as breakfast bars in spacious kitchens, perfect for a Sunday breakfast with the whole family; open concept rooms with high ceilings and large windows, keeping rooms bright and inviting; or Mattamy’s famous Stop & Drops, coat hooks and cubbies that make coming

home fast and easy. These are hallmarks of Mattamy’s commitment to designing and building homes for how people actually use them.

Mattamy’s exclusive Architect’s Choice Options gives homeowners real personal choice in designing their home to suit specific needs and wants by giving purchasers the opportunity to make pre-approved structural changes to their home before construction even begins.

Additionally, Mattamy’s extraordinary design studio offers a magnificent array of finishes and features that let homeowners to create a home that better reflects their personal tastes. Known for attention to superior customer service, Mattamy thoughtfully assigns everyone their own Design Studio Consultant to provide expert guidance through the wealth of options in colours, textures and styles.

Whether you’re looking for a livework townhome in an established

master-planned community, or an upscale 60-ft. luxury home in a prestigious neighbourhood, or anything in between, Mattamy has a home that’s just right for you.

Mattamy makes homes you’ll value for a lifetime.

Find your next home at mattamyhomes.com FEB 18 - MAR 4, 2017 | NEW HOME GUIDE 29

Advice | LEGALLY SPEAKING

Why foreign investors love Canadian real estate LTT from two levels of government, municipal and provincial. Outside Toronto, only the provincial LTT is payable.

By Jayson Schwarz

Real estate brokers For those wishing to buy or sell property, a qualified real estate broker is essential. Brokers are subject to special regulation in Canada. In Ontario, the Real Estate Council of Ontario is responsible for regulating real estate and administering brokers.

A broker can assist in identifying a target for acquisition, preparing offers and negotiating the deal. A qualified broker has access to one of the best multiple listing services in the world to help identify the right property for clients.

MORE ADVICE ONLINE ypnexthome.ca/news/advice

TORONTO IS ONE OF the “hottest”

cities in the world among the rich and famous looking to purchase real estate. Several recent surveys indicate the luxury housing market here continues to see double-digit percentage surges in purchases from so called “high-net worth” individuals.

According to Christie’s International Real Estate, Toronto is tops for growth among desirable urban destinations from more than 80 global markets. It ranks in the Top 10 Best of the Best cities in the world along with Dubai, Hong Kong, London, Los Angeles, Miami, New York, Paris, San Francisco and Sydney.

What do you need to know about purchasing property in Toronto? First and foremost, there is no restriction on foreign individuals purchasing property in Canada, unless it affects the national interest. Let’s take a closer look: Tax treaties Depending on your country of residence, there may be an international tax treaty in place with Canada. In this case, there will be provisions governing the effect of income earned on rental and sale proceeds of property in Canada. This translates to withholding tax and other questions, and allows you to avoid double taxation. This also allows you and your advisers to properly plan and structure your transaction.

30 YPNEXTHOME.CA

Legal structures There are various legal structures available to foreign investors in Canada: » Real Estate Investment Trust – a trust established to consolidate capital for the purpose of real estate investment » Joint Venture – these are advantageous due to flexibility in allowing for varied and nonproportionate sharing of profits » Partnership, Limited Partnership » Corporation » Personal Ownership Being taxed in Ontario A purchase of new residential property in Ontario is subject to 13-per-cent HST. Rebates are available for resident Canadians who will occupy the premises or rent them out. Non-residents may not qualify, so professional advice is key.

The purchase of new residential property in Toronto is also subject to

UK investors, for example…

Tax treaties between Canada and the UK make Canada an attractive investment prospect for UK developers.

Double taxation treaties mean that subject to certain criteria, investors will not be taxed on income gained in one of the contracting states.

If tax rates are different in the two countries, you get credit for tax paid, and an adjustment if the tax in your home country is less than where you are earning the income. A company resident in Canada which receives income from interest, royalties, pensions or purchased annuities from UK sources may be able to apply for relief from UK tax and vice versa.

With the benefit of double taxation treaties, companies can take advantage of the booming real estate market in Canada.

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

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Trending

3 reasons Americans won’t be buying up Canadian homes

By Wayne Karl

NOW THAT DONALD TRUMP has been sworn in as the 45th president of the United States, should we prepare for an onslaught of Americans moving north and buying Canadian homes?

Don’t bank on it.

The “possibility” was well publicized leading up to the election last November, with search terms such as “How to move to Canada” and “How to become a Canadian citizen” skyrocketing on Google during and after the election, even leading to a reported crash of Citizenship and Immigration Canada’s website on election night on Nov. 8.

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

“American web traffic on royallepage.ca, the company’s consumer real estate portal, has been highly correlated to recent U.S. political events. U.S.-originated sessions surged 329 per cent the day following the election and climbed 210.1 per cent year-over-year the week after Donald Trump’s victory,” the release said. “Looking at the full month of November 2016, U.S. web traffic grew 73.7 per cent year-overyear, when compared to the same period in 2015. This trend continued throughout the remainder of 2016, with American web traffic rising by 40.9 per cent year-over-year during the fourth quarter.”

We can’t blame Royal LePage for publicizing the web search trend.

It’s the company’s job, after all, to sell homes.

But it’s a bit of a stretch that Canadians should batten down the 32 YPNEXTHOME.CA

hatches and prepare for an onslaught of Americans offering wheelbarrows full of U.S. greenbacks for their Canadian homes. (Sorry, Canadian homeowners.

And you’re welcome, prospective Canadian homebuyers; prices in some markets are rising fast enough as it is.)

Let’s also remember Royal LePage, and every single one if its agentrespondents to its survey, would have a vested interest in a sudden and severe spike in Americans buying Canadian homes.

We need a reality check here.

Putting aside all jokes about Americans crossing the border – in summer – with skis affixed to their car rooftops to hit the slopes and other misconceptions, their fear of their new leadership is no laughing matter.

But Americans cannot just pick up and move here, because they don’t like their new president.

Here’s why:

IMMIGRATION LAWS Immigration to Canada is complicated, and it depends on a person’s background, according to Robin Seligman, a Toronto-based a specialist in Canadian immigration law, past chair of the Canadian Bar Association and Ontario Bar Association.

“We have express entry, and each province has numerous programs,” she told YP NextHome. “As well, we have options for work permits if the person has

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

MORTGAGE REQUIREMENTS

MORE TRENDING ONLINE ypnexthome.ca/news

an employer in Canada, or under NAFTA if they are on the professional list.”

Just as Canadians face regulations when wanting to head to the U.S. for employment, there are similar rules for Americans wanting to head the other way.

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

Even those provisions may change, however, if Trump signs executive orders to renegotiate NAFTA.

TAX ISSUES Clearly, there are a variety of tax issues to deal with, and certainly legal issues involved in acquiring properties here and moving to Canada. But basic questions can be as simple as, when does a person become a ‘resident’ of Canada for tax purposes?

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

“It’s quite doable for most, it’s just there are right ways and wrong ways that require guidance from qualified tax and legal professionals. Owning a home for

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

While Canadian citizens and permanent residents have the option of paying a minimum five-per-cent down payment, out-of-country buyers will need to pay roughly 10 times that amount to compensate for their lack of Canadian employment to qualify for competitive financing from an A lender, according to RateHub’s real estate brokerage affiliate, Zoocasa. For those Americans who would manage to pay less than 20 per cent down, they would also need to adjust to a 25-year amortization timeline, rather than the 30-year products available in the U.S. As for Royal LePage’s survey, American interest was primarily focused on Canada’s largest markets, with Ontario, British Columbia and Quebec receiving 72.7 per cent of all U.S. regional page views generated on royallepage.ca Ontario led, with 41.4 per cent of U.S. regional page views directed to the province, with most of the interest (62.5 per cent) in the GTA. British Columbia accounted for 17.4 per cent of U.S. regional page views, though, Victoria – not Vancouver – garnered the most attention, at 32.1 per cent.

Provinces affected by recent economic downturns saw minimal interest from American buyers, with Alberta accounting for only 7.6 per cent of total interest, with most of that in Calgary (54.6 per cent) and Edmonton (27.3 per cent).

FEB 18 - MAR 4, 2017 | NEW HOME GUIDE 33

Inspiration

Editor’s

CHOICE

Toronto’s annual Interior Design Show is a hot spot for what’s new in the wonderful world of design and decor. It’s where trends are revealed, creative concepts come to life, and designers take the stage to showcase their best. Here’s what caught my eye for 2017.

by LYDIA MCNUTT

independent designer Nika Zupanc and her highly acclaimed Sé Collection, presented by South Hill Home and loosely inspired by the Olympics. southhillhome.com

“Design is a profession you learn on the street.”

–Designer Nika Zupanc

These colourful collage tiles by San Antonio, Texas-based carpenter, furniture-maker and artist extraordinaire Peter Glassford. peterglassford.com …continued on page 36 34 YPNEXTHOME.CA

Earn your Volunteer Hours By learning CPR & AED online…FOR FREE!

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The Ontario Wood exhibit, showcasing designers and manufacturers who work with locally sourced wood. This artful installation was conceived and created by blackLAB architects inc. in partnership with Lewitt Construction, Moses Structural Engineers and Dark Tools.

These curated environments, ranging from public lounges and cafes. This “shocking” bar is by Hollis+Morris hollismorris.com and Alison Milne alisonmilne.com

These trendy tile selections from Surfaces & Co. surfacesco.ca

Partisans “illuminating” demonstration. This diverse team of architects, artists, thinkers and cultural enthusiasts is devoted to a cause: smart, beautiful and provocative design. partisanprojects.com

36

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studiotouronline.com sandra rinomato realty savvy

Neighbourhood Profile

Downtown Whitby Fit for a variety of tastes and lifestyles

Fast facts Average household income

$73,786

Family structure

By Lauren Shorser

SINGLES

36%

COUPLES

34%

Own vs. rent

FAMILIES

30% 58% OWNERS

42% RENTERS

Education levels

MORE PHOTOS ONLINE

46%

33%

21%

HIGH SCHOOL

COLLEGE

UNIVERSITY

ypnexthome.ca/downtown-whitby SOURCE: ENVIRONICS

restaurants and quiet residential streets, Downtown Whitby caters to a variety of tastes and lifestyles.

The area is attractive to families, with plenty of parks, schools and a public library. It also appeals to lovers of nightlife with its proximity to restaurants, pubs and entertainment.

Downtown Whitby has some excellent shopping, and is close to highways and the GO station.

Meet the neighbours Downtown Whitby has an older than average population compared to the Durham Region, with 16 per cent of residents being over 65 compared to 12.1 per cent for Durham Region. Residents of the area have similar high-school completion rates as Durham Region, but the area has a lower than average income and higher unemployment rates.

Vibe The core of Downtown Whitby runs along Dundas Street. The main shopping area, with stores, restaurants, pubs, entertainment and businesses, is concentrated around Dundas and Brock, with the action extending several blocks in all directions. Outside the core, the residential streets are quiet and peaceful. There are lots of parks and greenspace, schools and a public library.

In the area Downtown Whitby is a familyfriendly neighbourhood, with elementary schools (English and French immersion), a high school and a boarding school. There is a large public library on Dundas Street and parks and parkettes are scattered throughout the area.

The Kids Zone Family Fun Centre near the eastern boundary of the neighbourhood.

WITH A MIXTURE of lively stores and

Planes, trains & automobiles Downtown Whitby is close to Hwy. 401, a major east-west highway in Ontario. It is also close to several other smaller highways, as well as the GO train and subway station.

Several bus routes run through the area. Streets in Downtown Whitby are wide, to accommodate multiple lanes of traffic, and mostly in good repair. Most streets are laid out in a grid pattern, making them easy to navigate.

The good, the bad & the rest Downtown Whitby is a great place for people with all different types of lifestyles. Families are attracted to schools and parks, while singles and young professionals are drawn to the restaurants, pubs, and entertainment.

Quick, convenient access to shopping and businesses appeals to people from all walks of life, and the area is easy to access by car or transit.

Lauren Shorser is a freelance writer. Her love of science and the written word led her to New Zealand where she completed a Master’s in Science Communication. She specializes in writing about science and the city.

38 YPNEXTHOME.CA

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2016-11-07

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

9:36 AM

Model Home Photo Compliments of Reids Heritage Homes | www.ReidsHeritageHomes.com

The Residences of Cobble Beach - Homes with Glorious Views of Georgian Bay. Set amidst acres of land that majestically overlook the water, the homes have been designed to maximize water and golf views. This inviting community is located only 10 min north of Owen Sound and 2 hours from Toronto’s Pearson International Airport. Home shown is the Harriston Model with 1,672 sq ft of living space.

16-1256 CB YP NextHome2017Calendar.pdf

FEBRUARY 2017

Hot Properties

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

LATEST LISTINGS

GEORGIAN SANDS PARK RIDGE

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

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

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

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

SUMMIT CITY CENTRE

BOXGROVE VILLAGE

preview registration

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

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

GLENWAY

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

REAL TOWNS

By: Andrin Homes & Lakview Homes City: Newmarket Housing type: Two- and three-storey townhomes and bungalow detached homes on 50- and 55-ft lots glenwaylivingcom

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

TIMBERLANE

SEATON TAUNTON

By: Gold Park Homes City: Vaughan Housing type: Detached homes goldparkhomes.com

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

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

JACKSON SQUARE

HILLSBOROUGH LANDING

THE LOGGIAS IN RICHDALE

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

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

PINE VALLEY

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

…continued on page 44 42 YPNEXTHOME.CA

Ontario’s best source of real estate information to

buy, rent or sell 17-0011 M CITY CONDOGUIDE_COVER_JAN21_FINAL.pdf

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2017-01-12

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INSIDE THIS ISSUE INSIDE THIS ISSUE

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2017雞年風水

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

…continued from page 42

VALLEYLANDS

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

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

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

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

new openings AFFINITY CONDOMINIUMS By: Rosehaven Homes City: Burlington Housing type: Contemporary midrise condos from the low $300’s rosehavenhomes.com

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

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

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

44 YPNEXTHOME.CA

SADDLE RIDGE By: Greenpark and Starlane Home Corp.

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

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

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

TIME By: Treasure Hill Homes City: Aurora Housing type: Urban towns from the high $599,900 and up to 1,500 sq. ft. treasurehill.com

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

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

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

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

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

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

Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS

variable

ATB Financial

2.5

Alterna Bank

2.6

Bank of Montreal

2.6

Bank of Nova Scotia

2.9

Canadian Western Bank CIBC

6 months

1 year

2 years

3 years

4 years

5 years

4.1 4.10op 4 6.30op

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

2.39 4.10op 2.74

2.64

2.69

2.89

2.59

2.84

2.84

3.19

3.59

4.09

2.89

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.79

2.74

4.09

4.79

3.04 2.15

3.65 3.39

4.39 4.09

4.64 2.35

2.64 2.94

2.64 2.84

3.19 2.94

3.29 2.99

3.04

3.39

2.79

2.94

2.79 2.49

3.34 2.74

3.99 2.84

4.44 2.99

2.84

3.44

2.74

2.94

3.24

3.49

3.69

3.79

6.95op 4.55 6.45op 4 6.45op

2.7 6.95op

Equitable Bank HSBC Bank Canada

2.35

ICICI Bank Canada Manulife Bank

2.75 2.7

National Bank

n/a

President’s Choice Finan Royal Bank

2.7 2.7

TD Canada Trust

2.6

Tangerine

2.7

4.45 6.20op 4.45 4.4 6.70op

7.00op

2.99 7.00op 3.04 4.00op 3.19

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Investors Group Trust

2.35 n/a

MTCC

2.9

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op

3.25 3.5

3.95 3.7

4.39 4.3

4.64 4.35

2.14 3.09

2.34 3.39

2.59 3.89

2.79 2.45

3.09

3.39

3.89

4.49

4 6.30op 6.2 6.40op 3.1 4.25 6.50op

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

2.74

2.59

2.84

2.84

2.89

2.95

2.99

2.89

2.64 2.79

2.64 2.89

2.84 2.95

2.94 2.89

3.2

3.65

4

4.5

2.79

2.64

3.89

2.64

2.84 2.85

2.89 2.95

3.39 3.05

3.74 3.15

2.39

2.49

2.59

2.69

OTHER FINANCIAL INSTITUTIONS Alterna Savings

2.6

Comtech Fire C.U.

2.6

First National Fin. LP IC Savings

2.7

Luminus Financial

3.25

Meridian Credit Union

2.4

PACE Savings & C.U. Parama Credit Union

2.65

Steinbach Credit Union

2.25

5.05

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

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

FEB 18 - MAR 4, 2017 | NEW HOME GUIDE 45

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projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

SITE

CONTACT INFO

PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

Central 7

Andrin Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

D

from $700,000

68

18F

15

Forest Hill Homes

Bridle Path of Thornhill

foresthillhomes.ca

D

from $2900,000

50

16E

5 & 15

Forest Hill Homes

Cornell Rouge

905-472-9556

T

from $950,000

16

23M

15

Forest Hill Homes

Jefferson Forest

foresthillhomes.ca

T

from $1200,000

10

18J

Great Gulf

Corporate

416-449-1340

T

Madison Homes

Briar Hill

madisonhomes.ca

T

from $500,000

1

16Q

Madison Homes

Cornell Rouge

905-472-9556

D

from $890,000

16

23M

Madison Homes

REALTowns Thornhill

Madisonhomes.ca

D

from $1000,000

85

17L

Madison Homes

Thornhill Ravines

905-417-1203

D

from $1800,000

53

16L

Madison Homes

Zigg

ziggcondo.com

D

from $380,000

10

18J

Mattamy Homes

Alderidge

mattamyhomes.com

D

from $1230,000

82

13S

Mattamy Homes

Canopy at Downsview Park

mattamyhomes.com

37

15P

Mattamy Homes

Cornell

mattamyhomes.com

D

T

17

22M

Mattamy Homes

Corporate

mattamyhomes.com

D

T

Mattamy Homes

Downsview Park

mattamyhomes.com

37

15P

Mattamy Homes

Kleinburg Summit

mattamyhomes.com

D

T

84

13K

Mattamy Homes

Richmond Green

mattamyhomes.com

D

T

41

18K

Mattamy Homes

Thomson Towns

mattamyhomes.com

T

95

20P

Mattamy Homes

Upper Summerside

mattamyhomes.com

T

42

19R

Mattamy Homes

Vita on the Lake

mattamyhomes.com

from $350,000

39

14S

Rosehaven Homes

Corporate

rosehavenhomes.com

T

Treasure Hill Homes

Aurora Views on Wellington

treasurehill.com

T

from $1460,000

57

19H

Treasure Hill Homes

Time

treasurehill.com

T

from $600,000

72

18H

Treasure Hill Homes

Victory Heights

treasurehill.com

T

6

18L

Mattamy Homes

Queen’s Common

mattamyhomes.com

D

T

91

27O

Mattamy Homes

Seaton Taunton

mattamyhomes.com

D

T

44

24N

Treasure Hill Homes

Shift

treasurehill.com

T

70

25N

Treasure Hill Homes

Urban Town Living

treasurehill.com

70

25N

5

IFC & 1

13

23

D

S

T

S

S

C

C

East

23

continues on page 47

from $390,000

Property Type D Detached S Semi-Detached T Townhome 47

projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

SITE

CONTACT INFO

continued from page 48 PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

North D

Andrin Homes

Hillsborough Holland Landing

andrinhomes.com

27

Diam Developments

Radiance

radianceinnisfil.ca

9

Great Gulf

Hillsborough Holland Landing

greatgulf.com/hillsborough

Great Gulf

Sharon Village

905-478-7362

Great Gulf

Summerlyn Village

905-775-3461

Mattamy Homes

The Estates of King Township

mattamyhomes.com

Rosehaven Homes

Anchorwoods Holland Landing

anchorwoods.ca

Treasure Hill Homes

Acacia Estates

treasurehill.com

Treasure Hill Homes

The Estates of King Township

treasurehill.com

Great Gulf

Trafalgar Landing

905-844-1605

Great Gulf

Westfield

905-866-6876

D

Mattamy Homes

Hawthorne South Village

mattamyhomes.com

D

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

Mattamy Homes

Mount Pleasant Village

mattamyhomes.com

Mattamy Homes

River Mill

mattamyhomes.com

Mattamy Homes

The Preserve

mattamyhomes.com

Mattamy Homes

Topper Woods

mattamyhomes.com

T

Mattamy Homes

Wildflowers

mattamyhomes.com

T

Starlane Home Corporation

Lotus Pointe Caledon - Phase 2

starlanehomes.com

D

Starlane Home Corporation

Mountainview Heights

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11th

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24-25

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University Ave

35

Pape Ave

Bro adv iew

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

Queen St W King St W Front St W

E

Moore Ave

Parliament St

Edgewood Rd

Laird Dr

Avenue Rd

36

Mt Pleasant Rd

St Clair Ave W

Toronto

Christie St

Moffat Rd

l Brid

1 Spadina Rd

Carey St Rd

Post

Davenport Rd Dupont St

Lansdowne Ave

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Eastern A

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19

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Lawrence Ave W

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Meddaugh Rd

Allen Rd OakwoodAve

Middletown Rd

Willo

Glencairn Ave

Rogers Rd

Roncesvalles Ave Weston Rd Keele St Parkside Dr High Pk

39

Cum

Willowdale Ave

Wilson Hts Blvd

Caledonia Rd

d nR sto We

Lake Shore Blvd W

Park Lawn Rd

Judson St

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The Queensway

82

Runnymede Rd

Prince Edward Dr Royal York

Norseman St

Drewry Ave

Senlac Rd

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37

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Jane St

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Norfinch Dr Dr

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The Westway

50 53

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Weston Rd

Pine Valley Dr

Kipling Ave

400

Bathurst St

7th Concess ion

Mill Rd Kipling Ave

Rexdale

Evans Ave Horner Ave

Dufferin St

Jane St

Rd

Rupke Rd

8th Concess ion

Martin Grove Rd

Carlingview Dr

Rd

Lennon Rd

Fraser St

Wanda St

Jane St

Rd Wist Rd Davis Holancin

River Rd

Leonard Rd

St ian M

Clarence St

Finch Ave W

Richm

McNaughton Rd

Langstaff Rd

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427

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Coffey Rd

Sideroad 20

10th Concess ion

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Hunting ton Rd

Weston Downs

Teston Rd

49

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1

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Cooksville

Clarkson

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11th Concess ion

King-Vaughan Rd

Kirby Rd

Rutherford Rd Bass Pro Mills Dr

73

Bloomington Rd

56King Rd

11

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403

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Sideroad 10

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15th Sideroad

Rd 6-7

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25th Sideroad

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Campania

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Whitfield

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30th Sideroad

Maple Grove

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Innisfil

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projects & communities IN THIS ISSUE

Riverview

Mulmur

9th

Horning’s Mills

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Search online or download ou

Sdrd

Boundary

9th

Rd

English Rd

7th

5th

4th

2nd

1st

Thorah

Cameron Sdrd

Cr

Dukelow Rd

17 Sideroad

Rd Be ac h

Ma ple

6th

Ho Port ove rR d

5th

Dawson Rd

17

Cooney Rd

C

G

Jewel Rd Vickers Rd

Gamsby Rd

Lawrence Rd

35 115

Bell-wood Dr

Arthur St

Golf Course Rd

Moffat Rd

Lockhart Rd

King St Stephenson Rd

Mill St

Riley Rd

V

Pollard Rd

U

Squair Rd

Bennett Rd

T

Darlington Clarke Townline

Providence Rd

Fowler Rd

ppe s ho r Pa

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Lambs Rd

Bowmanville P

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West Region North Region

42

Kirby

Ochonski Rd

O

Concession Rd 3

S

Central Region

4

Bragg Rd

Mearns St

Waverly Rd

Queen St E

ners St

Nixon Rd

N

Leskard Rd

Cole Rd

Mearns Ave

Concession St 57 Baseline Rd

Bethesda Rd

14

Acres Rd

Middle St

Presto nva le R d

M tP lea sa nt Tr ail

Holmes Point Rd

Mapl

La ke Dr

Victoria S

Rd St ou ffv ille Old

ed Rd

W

Skelding Rd Allin Rd

Mosport Rd

Gibbs Rd

Aked Rd

Clemens Rd

Sew ells

Dick Re

New Park

Best Rd

Woodley Rd

Green Rd

r

Lindsay St

tria l Pkwy

Ted Graham Rd

H Corneil Rd

Murphy Rd

Longsault Rd

35 Concession Rd 10

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Concession 2

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River Rd

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Concession 7

Lotus

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LAKE ONTARIO

A Ray Rd

Nesbitt Line

Cedardale Rd Mahoods Rd

I

M Clarington

Liberty Rd

Maple Grove Rd

n sto ng Ki

M James Rd

View Lake Rd Johns Rd

7A

Concession 4

Cedar Park Rd

Maple Grove

5

Yelverton

St Clair Ave E

Rd rth nfo Da

Allan Long Rd

Dovehaven Rd

McLaughlin Rd Lettner Rd

Holt Rd

2

Hancock Rd

401

Rundle Rd

Trulls Rd

e Murray Av

Courtice Rd

34 Bloor St

HWY

Concession 11 Concession 10

20

Concession Rd 4

Salem

H

Concession 3

Taunton Rd

Nash Rd

Concession 12

J

Hampton

Solina Rd

Washington Rd

59

Vannest Rd

Olive Ave

Concession Rd 6

Pebblestone Rd Tooley Rd

Townline Rd

P

ll i p

Old Scugog Rd

Ormiston Rd Langmaid Rd

Grandview St N

Gibb St

Solina

Mitchell’s Corners

62 hi

Union School Rd Wotten Rd

Enfield Rd

Grandview St N

Townline Rd

58 King St

22 rth St Went wo

60

Hoyer Rd

Nestleton Rd

Cartwright West Quarter Line

Sandy Rd

Graham Rd Russell Rd

35

Bond St

Park Rd

Stevenson Rd

Hopkins St

Halls Rd

Pickering Beach Rd

Shoal Pt Rd

Westney Rd

Harwood Ave

Squire Beach Rd

Sandy Beach Rd

Henry St

Burns St

54 Adelaide Ave

8855

Sand Bar Rd

Ogemah Rd

Washburn Island Rd

Rd

Wilson Rd

4

34

Conlin Rd Harmony Rd

Ritson Rd

53

Valentia Rd

Eldon Rd

Beacroft Rd

Mississaugas Trail

He ad

Harmony Rd N

Simcoe St

Stevenson Rd N 52

Dundas St

Enniskillen

Concession Rd 7

Oshawa

28 Ma nn in g Rd 36

Ritson Rd

Thickson Rd

Anderson St

Cochrane St

Brock St

Salem Rd

Victoria St

Garden St

McQuay Blvd

Halls Rd

Ravenscroft Rd

3143

Whitby

Mountjoy Rd

Concession Rd 10

3

G

Fallis Rd

Cadmus

Devitts Rd 57

Byers Rd

3

33 16

Barry Moore Rd

Bush Rd

White Rock Rd

Fingerboard Rd

Sim coe St

Till Sdrd

Thornton Rd

Columbus

Nestleton

McKee Rd

Concession Rd 9

Winchester Rd

71 2

3rd Concession

Barry’s Rd

Station Rd

Old Simcoe Rd

Stevenson Rd N

Duffs Rd

Cochrane St

Cedarbrook Tr

Ashburn Rd 12

Taylor’s Rd

Sideroad 18

Sideroad 18A

Diamond Sideroad

Heron Rd

Country La

Coronation Rd

Halls Rd N

Salem Rd

Westney Rd

Riverside Dr

Church St 24

Columbus Rd

Mariposa/Ops Bdry

Eldon Rd

Ridge Rd

Spadina Sdrd

Grey Sideroad

Bryant Sdrd

Country La

Kinsale Rd

Greenwood Rd

Sideline 22

Lyndebrook Rd

91

41

26

Eden Rd

Sideroad 18A

Blackwater Rd

Marsh Hill Rd

Rd st Ma Dagmar Rd

Sideline 4

Paddock Rd

Ajax

Howden Rd

Bradburn Rd

Burketon

Boundary Rd

Malcolm Rd

Edgerton Rd

Church St

19

Raglan Rd

Raglan

7 12

3

Taunton Rd

Shirley Rd Coates Rd

Myrtle

Brooklin

Rossland Rd

2

Bayly St

Ashburn

5th Concession Rd

31

Scugog Line 3

t Rd Scugog Line 2

Brawley Rd

Greenwood

HWY

Rd

Myrtle Rd

Sideline 2

Balsam Rd

Sideline 5

Westney Rd

Sideline 14 31

oin

Scugog 2

Chalk Lake Rd

Mount Zion

70 Brock Rd

Liverpool Rd

Valley Farm Rd

West Hill

ton gs Kin

Balsam

44

East Ave Port Union Rd

Lawrence Ave E

Sideline 12

Sideline 22

Whites Rd

Dixie Rd

Rosebank Rd 38

eE Av

Guildwoo d P

Altona Rd

Morningside Ave

Scarborough Golf Club Rd

Scarborough 42

Finch Ave

Sheppard Ave

il Tra

Dr

44

rd pa ep Sh

Military

27

Sideline 14

Sideline 16

Sideline 22

Sideline 24

7

Concession Rd 3

Plug Hat Rd

Meadowvale Rd

Milner Ave

Beare Rd

Sewells Rd

Neilso n R d

Brim o rt on Bellamy Rd

Eglinton Ave E

E Ave

Old Finch Ave Rd

Whitevale 4th Conc Rd

High P

Lakeridge Rd

Brock Rd

Sideline 20

Sideline 24

North Rd

Pickering

407

57

57

Janetville

Main St

Coxwell Ave

Daw es R d

Woodbine Ave

Greenwood Ave Donlands Ave Jones Ave

Victoria Park Ave

Midland Ave

Pharmacy Ave

Birchmount Rd

95

Brimley Rd

Ellesmere Rd

ath le P

96

Sideline 28

Box Grove Steeles Ave E

evin McL

401

Don Vally Pkwy

Don Mills Rd

97

Sideline 26

71

Tapscott Rd

Nugget Ave

Sheppard Ave

O’Co n

Middlefield Rd

Leslie St

tingwood Dr H un

pard Ave

Mortimer Ave

7

11th Line

ark Dr

Denison St

404

rD no

Sideline 34

14th Ave

71

Markham Rd

n Rd Alde

Agincourt

erlea Blvd Ov

7th Concession Rd

8th Concession Rd

Whitevale Rd

McNicoll Ave

Eglinton Ave W

Sideline 32

9th Line

7

Passmore Ave

Rd

ns P k

17 16 Locust Hill 55

HWY

Esna P

mmer Ave

u se

wy

Unionville

Co

Glen Major

1

Markham-Pickering Townline

Markham

d

Main St

Woodbine Ave

Leslie St 12

nhill

owdale

17th Ave

94

73

7

John St

Major Mackenzie Dr

25

al

16th Ave

69

Reesor Rd

6

67

Reach St

Scugog Line 4

F Concession 14

Proutt Rd

Jobb Rd

Uxbridge Pickering Townline

Claremont

Pine Pt Rd

Ma Brown’s Rd

Beacock Rd

Pine Rd

Cottage Rd

Rainbow Ridge Rd

Mabels Rd

L AKE SCUGOG

Scugog Line 6

Ried Rd

Houston Rd

Webb Rd

5

Elgin Mills Rd

nd Isla

Rd

Utica

Allbright Rd

Altona

Dicksons Hill

48

D on

Warden Ave

mond Hill

65 Kennedy Rd

Victoria Square

McCowan Rd

919th Ave

29

Stouffville 12

Main St

10th Line

Jefferson

41 49

Ave

Markham Rd

d

Stouffville Rd

14

Sideroad St

Glasgow

Demara Rd

Whitfield Rd

Epsom

8th Conc Rd

R

Yonge St

10

Bethesda Rd

.

La

7 Mile Chandler Dr Island Rd

Scugog Line 8

Ward Rd

21

47

Secord Rd

Wetheral Sdrd

Sideroad 17

Brookdale Rd

47

E

28

7

Harper Rd

Scugog Line 9

HWY

ier oz Cr

7

Cross Creek Rd

Pogue Rd

Clements Rd

Scugog Line 9

D

Ramsey Rd

Lin 17

Kent St

4

Cricket Hollow Rd

16

Hood Dr

C

Ranch Rd

Seagrave Cookston Rd

4

Long Rd

Little Britain Rd

Little Britain Rd

Zion Rd

Fenelon Bdry

Dewdrop Rd

Cresswell Rd

Salem Rd

Algonquin Rd

8

40

Whitchurch-stouffville

Kawartha Lakes

Royal Oak Rd

Scugog Line 12

Cragg Rd

Medd Rd

Goodwood Rd

HWY

Bethesda

Sideroad 17

O’Beirn Rd

Uxbridge

Hillsdale Dr

Aurora

Sunset Beach Rd

Sideroad 17A

Scugog Line 12

Canton Rd

47

Wagg Rd

Prouse Rd

34

Sideroad 17

Brock Rd

8th Conc Rd

d

Marsh Hill

B

Taylor Corners

Farmstead Rd

Little Britain Rd

7 12

Blue Mountain Rd

Re ach St

HWY

7th Conc Rd

Vandorf Rd

Lloyd Sdrd

Saintfield

8

6th Conc Rd

Aurora Rd Lak es

Jesse Thomson Rd

8

Shier Rd

Ballantrae 15

4th Conc Rd

Wesley Cors

Farmstead Rd

Brock-Scugog Townline Rd

1

Ball Rd

Roseville Siloam

7 7th Concession

6

Oakwood

7A

Cambray

GrahamRd

13

6

A

18

Manilla

Pinedale

Scugog Line 14

9

Skyline Rd

9th Concession

6th Concession

Victoria Corners Rd

Victoria Corners

Goos

Quaker Rd

2nd Concession

Uxbridge

St Johns Rd

46

5th Concession 4th Concession

23

e hor

derson Dr

St John’s Rd

Sunderland

Foster Dr

Feasby Rd

3nd Concession Rd

57

11

2nd Concession Rd

72

Woodbine Ave

Bayview Ave

Wellington St

14

26

Vallentyne

13

Davis Dr

Cherry St Faulkner Ave

Bogarttown

Lake Ridge Rd

1

St John’s Sideroad

Weirs Rd

Sandford

Sandford Rd

King St

Peniel Rd

10th Concession

21

Cameron 9

Rd

33 The Glen Rd 34 Black School Rd

11th Concession

Islay

Rd

9

Valley

32 12

8th Concession

6

Grasshill

Woodville

Cannington

9th Concession

Vrommanton

23

Kennedy Rd

Bow St

Cedar Valley

Vivian Rd

74

P e ff e r l a w

Mulock Dr

Leaskdale Rd

Ashworth Rd

York-Durham Line

Newmarket

Udora

Zephyr Rd

13

6th Concession Rd

Davis Dr

Weir’s Sideroad

68

82

Linden

31

Derryville 12

St

King

2

Concession

30

Brock

Woodville

2

5th Concession Rd

West Franklin

39

t

14th

29

Hartley

Lorneville

10

5th Concession Rd

19

Bales Dr

Wilfrid

10th Concession

Fowlers Rd

4th Concession Rd

Herald Rd

St

Foot Dafoe St St

Green Lane

Ravenshoe Rd

Brewster Rd

Zephyr

69

9th Concess ion

Rd Franklin

38

Cedarbrae

3rd Concession Rd

Mount Albert Rd

13

12

Prout Rd

Rd

Centre St

ng ndi La

Farr Ave

65

28 13th Concession

Rd

Q u a r ter

Lorneville

46

Brock-Thorah Townline East

Concession

21

Old Shiloh Rd

39

Hollingers Rd

Doane Rd

Cedarbrook Dr Rd

Concession Rd 3 Thorah

Concession Rd 2 Thorah

48

14th

27

Old Homestead Rd

Smith Blvd

Meyers Rd

Orchard Ct

Sand Rd

77

Hornes Rd

East Gwillimbury Bridle Path

13

ain M

2nd Concession Rd

Leslie St

Queensville Sideroad

Queensville

86

51

48

Morning Glory Rd

Georgina

Leitch Rd

Cole Rd

26

Dr

g Irvi n

81

Brown Hill

Boag Rd

Maple Hill

8

79

Frog St

Holborn Rd

Doane Rd

45

51

Ravenshoe

18

Audubon Way

3

2nd Concess ion

77

1 Ho m Sdrd lla nd

Rd

25

Park Rd

Boag Rd

Holborn Rd

38

ing ter Ca

24

BrockThorah Twnl W

Thorah Beach Port

Point

Virginia

Latimer Rd

Miles Rd Blake Ave

Holland Marsh

10th Line

32

Rd

Sutton

Dr

Ravenshoe Rd

Rd st re nc ve Ra

Carley Rd

The Queen sway

West ury

er’s Sideroad

Lasher La Valley Vie w

Glenwood Ave

Line 12

Cryderma n’s Rd

Pollock Rd

COOK’S BAY

Line 13

Morning Sdrd

23

Mile Lane nt ry Bethel Side Rd

Baldwin Rd Morton Ave

River

Rd

Island View

Stoney Batter Rd

22 Cou

Park Rd

21

Briars 80 Pk

Black Hi

Rd 9 ing

Lockie Sd Rd

Old Homestead Rd

Gilford Rd

Rd

Base Line Rd

8A

Rd

e dge

Maple Beach

Duclos Point

Duclos

3

Church St

Fennell

pH ou se

Jacksons Point

St gh

20

Rd H

Deer Park Rd

Boyers Sideroad

h ore

Dalton Rd

19

Island Grove

Metro Rd

Willow Beach

Rd

DeGrassi Point

The Que ensw ay

4 3

Line

20th Sideroad

18

Roches Point

Harbour St Pine Ave

Killarney Beach Rd

hill

Dr

e Lak 78

t tS ar Ew

39

Lake

S

d eR

Belle Aire Beach Rd

3rd

23

Nantyr Park

Civic Cen tre

20th Side road

Line

Line

Virginia Blvd

7th

6th

Cate r

Nantyr

nisfil

John’s Rd

Barclay

La

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