GTA New Home Guide - Mar 18, 2017

MAR 18 - APR 1, 2017 VOLUME 25, ISSUE 6, FREE

GTA EDITION

INSIDE THIS ISSUE

TIME FOR THE PROVINCE TO ACT ON GTA HOUSING

HOW TO PROTECT YOURSELF FROM FRAUDULENT BUILDERS

NEW LOWRISE HOMES CRACK $1M MARK

Your

FAVOURITE RESTAURANT

is closer than you think.

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As Canada’s largest homebuilder, Mattamy Homes are built for your real life. With thoughtful design features like breakfast bars built into spacious kitchens that maximize space for your family, a Mattamy home is a home you’ll value for a lifetime.

Find your next home across the GTA at mattamyhomes.com

2017-03-01 2:00 PM

contents MAR 18 – APR 1, 2017 | VOLUME 25 ISSUE 6

24

ON THE COVER

Fieldgate Homes... new releases throughout the GTA

+ online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

WITH

DYNAMIC MAPS

2 YPNEXTHOME.CA

LOOK FOR THE CIRCLE

property profile

trending

14

18

Rosehaven Homes

Spring brings wonderful things for Rosehaven

Housing Market

Crisis? What crisis in the GTA lowrise housing market?

28 DIAM Developments

22 Housing Market

neighbourhood profile

26 BILD

Coming soon to Innisfil – modern living at Radiance

32

Unionville

Thriving heritage village, sought-after destination

What should Ontario do address GTA housing issues? Average price of new lowise homes breaks $1M mark

14 36

22

34 20 Fundamentally Speaking

It’s time for homebuyers to join the chorus by Wayne Karl

30 News & Views

Small but sweet the new homebuying mantra by Lydia McNutt

36

Legally Speaking

Financing and the fine print: What you need to know by Jayson Schwarz

30 34 EnerQuality Awards

EQ Awards celebrates Ontario’s Green builders

advice

10

BILD Report

When will government recognize supply problem?

12

16

Tarion Report

buyers’ resource section

42 Hot Properties

New releases, openings and preview registrations

45 Mortgage Rates in every issue

4

Editor’s Note

by Howard Bogach

6

Contributors

Mortgage Advice

46 What’s Online

Why preventing illegal home building matters

What to consider before buying investment property

47

Advertiser Index

by Alyssa Furtado

by Bryan Tuckey MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  3

Editor’s Note

Hello, Queen’s Park. Are you listening? WHEN WE HAVE double-digit price growth, supply

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

shortages in certain housing types and people having little choice but to drive further into the suburbs for home options other than condos… who could blame prospective homebuyers for feeling a little discouraged? In the GTA, the Building Industry and Land Development Association (BILD) has been speaking out on the issue for months, if not years. Other important voices recently chimed in, including former mayor of Mississauga Hazel McCallion, other municipal leaders and Ontario Real Estate Association CEO Tim Hudak. OREA and the Ontario Home Builders’ Association are now further ratcheting up the call for change. The associations are urging Queen’s Park to create a housing experts task force to provide ideas for increasing housing supply in Ontario, thus alleviating the growing home affordability challenges facing Ontarians. Population growth and a strong economy in the Greater Toronto and Hamilton Area have created a high demand housing market where supply is critically low and home prices are becoming out of reach for many families and first-time home buyers, the groups say. We’ll see if the provincial government is listening.

N

ONLINE

SEE MORE PHOTOS ONLINE

Unionville is a thriving heritage village in the northeast corner of the GTA and in the heart of the city of Markham. Read the full story…

ypnexthome.ca/unionville-neighbourhood

+ get social

Interact with us on social media: ypnexthome

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Renderings are artist’s concept. Prices and specifications are subject to change without notice. See sales representatives for details. E & O.E.

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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

DESIGNER ADVICE

Dionne Fraser dionne.fraser@ypnexthome.ca

JANE LOCKHART

DISTRIBUTION & SALES CO-ORDINATOR

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

NATIONAL CIRCULATION MANAGER

Terry Basset John Jenkins

PRODUCTION MANAGER

Helen Pearce

TARION REPORT

PRODUCTION CO-ORDINATOR

HOWARD BOGACH

Sandra Hanak-Vujnovic

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.

GRAPHIC DESIGNERS

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

Miguel Cea Mike Terentiev

Published by

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

ADVERTISING Call 416.626.4200 for advertising rates

and information. CIRCULATION Highly targeted, free distribution

MONEY MATTERS

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

DESIGNER ADVICE

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

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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MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  7

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2017-02-01 8:21 AM

Canadian

PROPERTY INVESTOR

Vancouver | Toronto | Ottawa | Calgary | Edmonton

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Find your next investment with exclusive real estate opportunities, insider insights and expert tips designed for the savvy investor PICK UP A COPY TODAY OR READ ONLINE AT

canadianpropertyinvestor.com

Read the digital issue on

8 YPNEXTHOME.CA

Available at these locations: • YP NextHome street boxes

• Airport lounges • Transportation hubs

• Newspaper insertions

• Selected retail racks

• Select hotels

• Direct mail

s,

family places, wide open spaces

a new community in holland landing Just north of Newmarket, within easy reach of the GTA, Holland Landing is waiting to be discovered. This charming village offers the best of small town living, just minutes from all the lifestyle amenities of the city, including GO transit and easy highway access. It’s here, where life moves at a more relaxed pace, that we introduce Hillsborough — a vibrant new masterplanned community and a carefully designed collection of detached homes, brought to you by Great Gulf.

36’, 40’ & 45’ detached homes 1,510 - 3,520 sq. ft. Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area.

greatgulf.com/hillsborough MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  9

Advice | BILD REPORT

When will government recognize GTA housing supply problem? By Bryan Tuckey

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WE NEED THE GOVERNMENT to take action on our housing supply crisis and pricing challenges in the GTA, like it has on skyrocketing hydro rates. Similar to electricity rates, housing prices in the GTA and surrounding areas have risen significantly over the past decade, and like hydro provincial policy is a key contributor to the upsurge. Due to the direct and indirect impacts of government policies we are not building enough housing to support population growth or consumer demand in the GTA and therefore the price of housing has skyrocketed. The seriousness of our housing problem was reinforced by a couple of recent studies. Toronto is the now the 13th least affordable housing market in the world, according to the 13th Annual Demographia Housing Affordability Survey. It also found that home prices in the GTA are significantly more expensive than those of the New York City metro area when you compare the prices across the two regions as a whole. A report by Canada Mortgage and Housing Corp. found that the GTA’s housing problems are now causing price increases as far away as St. Catharines-Niagara and Kitchener-Waterloo. We all know how hard and expensive it has become to buy a home in the GTA. Despite never seen before prices, fewer people are listing their homes and there are far more buyers than there are homes to buy.

On the new homes side, builders and developers are quickly selling any product that they can bring to the market and builder inventories are at never seen before lows. In the GTA in December 2006, there were 11,602 new single-family detached homes available to purchase in builder inventories. At the end of January there were 534. There are many stories about prospective homebuyers sleeping in their cars so that they can be near the front of the line when the sales office opens. Some of our members are forgoing traditional sales launches all together because they have hundreds of potential buyers registered for every home in the development and they don’t want to disappoint buyers they can’t accommodate. Even though we are the land development and home building industry we are not able to just launch more projects and build more homes because there are many barriers in our way. However, many

of the challenges could be resolved by the government if it wanted to work with us to address them. Some of the solutions, such as fixing the approvals process by reducing excessive red tape and modernizing local zoning bylaws so that they align with provincial intensification policy, could be achieved without additional costs. The time has come to acknowledge that we have a housing problem in the GTA. It is time for government to recognize that we can all work together on solutions to address our housing supply crisis so that today’s new home buyers and future generations have a place to live and access to homes they can afford to purchase. 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).

10 YPNEXTHOME.CA

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COMING LATE SPRING 2017 REGISTER NOW HILLSBOROUGH’S VILLAGE NORTH – THE IDEAL MASTER-PLANNED COMMUNITY. INSPIRED BY NATURE... BUILT FOR YOU IN HOLLAND LANDING.

Go shopping at Upper Canada Mall and big box stores. Plus, easy access to the new highway 404 extension and the East Gwillimbury GO Station with direct connections to downtown Toronto. SINGLE FAMILY HOMES ON 38’, 40’ AND 45’ LOTS SALES OFFICE LOCATION: 19337 HWY 11, EAST GWILLIMBURY

Register today andrinhomes.com Prices and specifications are subject to change without notice. E. & O.E. Rendering is artist’s concept. MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  11

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Advice | TARION REPORT

Illegal home building – why it matters! By Howard Bogach

MORE ADVICE ONLINE ypnexthome.ca/news/advice

MARCH IS FRAUD PREVENTION Month, so you will be hearing from many organizations this month about how consumers can protect themselves from becoming a victim of fraud. One of life’s largest purchases – buying a home – isn’t immune to fraud. Illegal building may not get as much attention as other fraudulent schemes, but it certainly affects consumers and registered builders alike. In fact, it regularly comes up as a topic of conversation when I am out at events speaking with new home buyers or new home builders. So, what is illegal building and does stopping it matter? For consumers, it could mean that their new home is being built by someone who does not actually have the financial or technical expertise to build new homes. It could also mean that the home is poorly built and does not meet Ontario’s Building Code specifications. It could even be a hazard to live in. There may also be unexpected liability issues for the buyer or property owner during the construction of an illegally built home, especially if an on-site accident happens during construction. And once the home is complete, the buyer may not be aware of their rights or responsibilities under the statutory new home warranty. For the majority of good registered builders, illegal building can create unfair competition and can have a negative effect on the reputation of the industry overall. 12 YPNEXTHOME.CA

What’s more, since many illegally built homes are eligible for warranty protection under the legislation, registered builders effectively subsidize the warranty on these homes. One of the challenges we face in combatting illegal building is that not every new home buyer knows that all builders, by law, must registered with Tarion and provide the new home warranty. Consumers who aren’t aware of this can be deceived by stories of the warranty being optional or too expensive. An illegal builder, meanwhile, may want to avoid the accountability and warranty obligations that come with building a new home. They may also be trying to circumvent municipal building code inspections or workplace health and safety legislation. And they gamble that no one will report them to Tarion. Not the home buyer, neighbours, municipal building departments, sub-trades, suppliers or other registered builders. Which is why we work so closely with everyone in our industry on public awareness and education, to create confidence in our new home marketplace. Tarion’s ability to combat

illegal building depends in part on purchasers and others in the community reporting suspicious activity. Here are a few red flags that may suggest your builder is operating illegally: » They say you don’t need a Tarion warranty because they offer their own; » They give you an inflated cost for the Tarion warranty – the maximum cost is $1,500; » They say they built the home for themselves but then decided to sell it; and » They give you a short contract to sign; or worse, no contract at all. Illegal building is everyone’s problem. It can create liability risks for the purchaser, affect the building industry and damage its reputation, and prevent the homeowner from understanding their warranty rights and responsibilities. That’s why illegal building matters. 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.

OUR 25TH ANNIVERSARY COMMUNITIES: CURRENT COMMUNITIES

Is there anything better than being 25?

AFFINITY CONDOMINIUMS ALDERSHOT / BURLINGTON Contemporary Mid-Rise Condos From the low $300’s PLATINUM COLLECTION RANDALL RESIDENCES - OAKVILLE Luxury Condominium Residences From $2 million COMING EARLY 2017 LAKE POINTE - STONEY CREEK Five 60’ Estate Singles From $1.2 million Register at Rosehavenhomes.com ON THE RIDGE - STONEY CREEK Introducing Freehold Towns Register at LiveOnTheRidge.ca TIFFANY HILL - ANCASTER 45’ & 40’ Singles, Semi-detached and Freehold Towns Register at TiffanyHill.ca NEIGHBOURHOODS OF MOUNT PLEASANT - BRAMPTON Returning with Singles and Towns Register at lovemountpleasant.com COMMUNITIES COMING 2017 OAKVILLE - WOODLAND TRAILS Singles & Towns

Actually, it’s just the beginning! This year Rosehaven celebrates our 25th Anniversary and we’re going to make it one of the best years ever. We’ve built homes for over 6,000 families so far, and we’ve won lots of awards doing it. But at 25, we’re just hitting our stride. So wait until you see what we have planned for this year. And the year after. And the year after…

BRAMPTON - MT. PLEASANT Mid-rise Condo BRADFORD - DREAMFIELDS Singles & Towns HOLLAND LANDING ANCHOR WOODS Singles & Towns

Visit RosehavenHomes.com For directions, maps, hours and community information call our hotline

(1-888/416) 410-0175

Prices and specifications correct at press time. Prices quoted are in thousands except for Randall pricing. E. & O.E. MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  13

Property Profile | ROSEHAVEN HOMES

Spring brings wonderful things for

Rosehaven Homes LIFE BLOOMS IN BRAMPTON when Rosehaven returns to

its visionary community The Neighbourhoods of Mount Pleasant with a new release coming April 2017. This extraordinary selection of singles, semis, freehold towns and the TownHaus Collection are forecast to be very popular and sell very quickly, so interested buyers should register as soon as possible at lovemountpleasant.com Pick up a latte from Starbucks and some fresh produce from Longo’s on your way home from the local gym. Leave the car at home, because this highly sought-after, established community has everything you want within walking distance of your home – shopping, banks, schools, transit, sports and recreation can all be found nearby. The Brampton ZUM advanced technology transit system connects you all across the GTA. Or, if you choose 14 YPNEXTHOME.CA

to drive, major thoroughfares such as Mississauga Rd., Bovaird, Sandalwood Parkway and Hurontario get you to Hwys. 407, 410 and the 401 in minutes. Situated within a vast natural environment, The Neighborhoods of Mount Pleasant is a forward-thinking community surrounded by woodland trails, acres of parkland, natural wetlands and wildlife this neighborhood is perfect for active families. There are beautiful parks, a sports complex offering cricket pitches, baseball, soccer and more – ready for the games to begin. The Neighborhoods of Mount Pleasant offers three-, four- and five-bedroom detached singles available on 45-, 41-, 38- and 30-ft. lots. Their striking traditional two-storey, three-bedroom townhomes have quality stone, stucco and brick elevations. And you can expect

Location

Brampton Builder

Rosehaven Homes Development

The Neighbourhoods of Mount Pleasant Home Type

Singles, semis, freehold towns and the TownHaus Collection.

Pick up a latte from Starbucks and some fresh produce from Longo’s on your way home from the local gym.

Contact

lovemountpleasant.com

innovative open-concept contemporary homes with Rosehaven’s TownHaus Collection, which include threestorey Terrace Towns, two-storey Courtyard Towns and three-storey Live/Work Towns. All the homes feature smooth nine-ft. main floor ceilings, dramatic oak stairs and flooring, and large entertaining spaces. There are a number of other existing Rosehaven communities blossoming this spring: Stoney Creek On the Ridge in Stoney Creek is accepting registrations for their new release of Freehold Townhomes, high on the Niagara Escarpment where nature is spectacular. Register at liveontheridge.ca Ancaster Buyers will find new singles, semis and freehold townhomes when Tiffany Hill returns to Ancaster this April. Register at tiffanyhill.ca MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  15

Advice | MORTGAGE ADVICE

What to consider before buying an investment property By Alyssa Richard

MORE ADVICE ONLINE nexthome.yp.ca/news/advice

AN INCOME PROPERTY can be a good way to make money, especially in retirement. However, there are some things you need to think about before taking the plunge. Here are the advantages and disadvantages of buying an investment property:

Advantages You can use leverage: If you have equity in your home, you can use it to help finance the purchase of another property. In a low-interest rate environment, mortgage rates are lower as are the costs of buying a income property. You’ll build up more equity when you earn rental income to pay down the mortgage. In the future, you could use that additional equity to buy another property or properties but you should ensure you can make larger mortgage payments when rates increase. You can earn additional income regularly: As long as you have a tenant, you’ll earn monthly income on a regular basis. The more investment properties you have, the more you could potentially earn. You don’t often get regular income from other types of investments. You get tax deductions: While you’ll earn rental income, you’ll also be able to deduct any expenses. Advertising, insurance, maintenance and repairs, property taxes, and legal fees are just a few of the expenses that are deductible. It’s best to consult with your accountant to find out what costs you can deduct.

Disadvantages You may need additional financing: If you want to buy a multi-unit property and intend to live in it, you’ll need a down payment of between five and 10 per cent, depending on the total number of units in the property. But when you purchase a property you don’t plan to live in, you need to put down a down payment of at least 20 per cent. Also, some lenders won’t recognize 100 per cent of the potential rental income you might expect to earn; some may consider just 50 per cent, while other lenders might consider 80 per cent. In other words, you could be forced to make a bigger down payment to qualify for a mortgage. You might not always have a tenant: Ideally, you’ll earn enough rental income to cover your annual costs. However, you’ll still need to make mortgage payments without a tenant. You should be prepared for the worst and have an emergency fund for the times you don’t have someone to rent your place.

Your property isn’t a liquid investment: If you own stocks or bonds, you can buy and sell them quite quickly. However, it can take a long time between listing your property for sale and the closing date. This might be a problem if you need the money right away. You have additional responsibilities: Being a landlord can be a difficult job. You’re responsible for any maintenance and repairs that need to be done. But there are also some headaches you have to deal with, like a tenant that damages your property or misses a rent payment. The alternative is to hire a property manager. He or she can take care of those problems but at a cost to you. While an investment property will provide you with additional income, it’s good to be aware of the pros and cons before you ultimately decide to make a purchase. 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.

16 YPNEXTHOME.CA

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MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  17

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Trending

Crisis? What crisis in GTA lowrise homes? By Wayne Karl

BRYAN TUCKEY WAS ON FIRE.

Speaking at the Toronto Real Estate Board’s (TREB) recent Market Year in Review & Outlook 2017 event, Tuckey was killing it on the topic of new lowrise homes. Owning the podium on a stage full of high-profile guests, including policy analysts, think-tank executives and even the Ontario Chief Economist and Assistant Finance Deputy Minister, Brian Lewis. And if you’ve ever met Bryan Tuckey, president and CEO of the Building Industry and Land Development Association (BILD), you know that he’s as mild mannered an industry leader as there is. “Never in my 30 years in the industry have I seen such a disconnect between public policy and a lack public awareness and understanding,” he fumed. The cause of his rancor was – and still is – the Ontario government’s 18 YPNEXTHOME.CA

land-use policy favouring intensification in the Greater Golden Horseshoe, which includes the Greater Toronto and Hamilton Area (GTHA) and is Canada’s fastest-growing urban region and the economic engine of Tuckey Ontario. Such policy, says Tuckey, effectively limits the land available to build new homes. The end result is a housing shortage in all types that is approaching “crisis levels” and causing skyrocketing prices. Worse, he says, is that the general public doesn’t fully understand the impact. It’s an issue more and more voices are speaking out on, including former mayor of Mississauga, Hazel McCallion.

HUDAK AN IMPORTANT VOICE Add to the list, Tim Hudak, CEO of the Ontario Real Estate Association. “Finding a home is only going to get worse until housing supply is addressed. “Population growth is rapidly increasing in cities where we are also seeing some of the lowest levels of inventory in history,” says Hudak. “Realtors and builders in this province have been saying that new homes and resale listings cannot keep up with the demand in the market. Population growth is not the problem here – the lack of housing availability is the problem; and if it is not fixed soon, we could have a severe affordability crisis on our hands. “If first-time buyers, young families, newcomers to our province, are going to have any chance at home ownership, provincial and municipal governments must focus on increasing housing supply,” he says. “Government-imposed

LEFT

Hamilton is among the areas where high home prices in Toronto are having a spillover affect. RIGHT

The combination of rapidly rising population, low inventory levels of homes and government policy are causing rapid price growth.

barriers are restricting builders from bringing more housing supply online. To make homeownership more affordable, the province should work with municipalities to loosen building restrictions, speed up approvals to allow developers to build ‘missing middle’ housing types like townhomes, duplexes and stacked townhomes.” Pretty strong words, from someone who knows how government works. The former Ontario MPP and leader of the provincial PC party, joins Tuckey and others in lobbying Queen’s Hudak Park on the housing issue. “It certainly helps to know your way around Queen’s Park,” Hudak told New Home Guide. “We’ve been very active in the media and through direct advocacy. We’ve had meetings with the Premier and senior officials in her office, as well as the Minister of Finance, Housing and Municipal Affairs. It appears the government is engaged in this issue. We’re putting good ideas on the table that will help increase supply and keep the dream

of homeownership within reach.” The cause might just need the help. Another speaker at the TREB outlook event said that no, the Ontario government has made enough land available for development. The amount of land allocated for growth is not the most pressing problem facing the region, according to Marcy Burchfield, executive director of the Neptis Foundation, Toronto, which conducts and disseminates nonpartisan research, analysis and mapping related to the design and function of Canadian urban regions. “Provincial policies have not created a shortage of land for housing,” says Burchfield. “More than 100,000 hectares have been set aside in the Greater Golden Horseshoe to accommodate population and employment growth to 2031; over 56,000 hectares are in the Greater Toronto and Hamilton Area. Ground-related housing remains the predominant form of housing planned. Neptis research also shows that less than 20 per cent of this land supply has been built on since 2006.” SAY WHAT? This seems to contradict everything BILD and others are saying.

“All land is not created equal,” Tuckey told New Home Guide. “The Neptis data is at a level that lacks detail. Much of the land referenced in their study does not have the critical infrastructure that makes development possible. They have assumed that all of the vacant designated greenfield area is available for residential development. In reality, residential development is prohibited in much of the GTA. “Substantial parts are not serviced with water and/or sewers. In some cases, the required servicing is not expected to be built within the next 10 years. Lands can be designated for residential development in an official plan, but until such time as servicing is in place, residential development is prohibited. “Even where land is designated for residential development and can be readily serviced, residential development cannot occur until the land is appropriately zoned and plans of subdivision are draft approved and then registered. Building permits cannot be issued until these conditions are met.” So, the debate continues: how much is Ontario’s land-use policy causing the supply shortage and pricing issue? And what is the government doing about it? MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  19

Advice | FUNDAMENTALLY SPEAKING

It’s time for homebuyers to join the chorus By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

IT’S A CLASSIC CASE OF CATCH-22.

GTA residents who are fortunate enough to already own homes love what’s happening with skyrocketing value appreciation. Prospective homebuyers, on the other hand, cringe; they face barriers to entering the housing market that seem to multiply on a monthly basis. And they may not yet realize just how prohibitive those obstacles are becoming. Welcome to the ongoing and increasingly serious issue of supply, demand and the resulting price growth quandary in the GTA housing market (see page 18). Depending on who you listen to, what’s happening in home price growth in the GTA and surrounding area is simply a product of supply and demand. Others say it’s the result of restrictive land-use policies of the provincial government. Whomever is right, there can be no denying the end result: price growth that is so fast and furious that it can’t possibly be sustained. The latest example comes from the Toronto Real Estate Board, which cites that the average selling price was up by 27.7 per cent year-overyear in February to $875,983. Yes, 27.7 per cent. “The listing supply crunch we are experiencing in the GTA has undoubtedly led to the double-digit home price increases we are now experiencing on a sustained basis, both in the lowrise and highrise market segments,” says Jason Mercer, TREB’s director of market analysis. “Until we see a marked increase in the

number of homes available for sale, expect very strong annual rates of price growth to continue.” Annual rates of price growth continue to be strongest for lowrise home types, particularly detached houses. Growth rates for condominium apartment prices were also in the double digits, likely a result of strong demand from first-time buyers, TREB says. “Over the past year, we have reached a point where government policies that target only the demand side of the market, whether we’re talking about foreign buyers or further changes to mortgage lending guidelines, will not be enough to balance market conditions and moderate the pace of price growth,” says Mercer. “In 2017, policymakers at all three levels of government must turn their attention to the supply of homes available for sale,” says TREB President Larry Cerqua. “They should consider revisiting land-use designations in built-up areas to allow for a greater diversity of home types, streamlining development approvals and permitting processes, and looking at ways to incentivize landowners to develop their land.” If any of this message sounds familiar, it’s because more and more people are saying it, from home builders to realty associations to former politicians.

All of this comes, by the way, at a time when Ontario’s economy is slowing somewhat, with GDP growth forecast to ease to two per cent in 2017. Important segments such as consumer spending, residential investment and exports will not be performing as strongly, which will temper economic prospects going forward, according to the Conference Board of Canada. Real business investment is projected to pull back 0.7 per cent. What’s missing from this dialogue is the consumer voice, those very people who are affected most. “Never in my 30 years in the industry have I seen such a disconnect between public policy and a lack public awareness and understanding,” says Bryan Tuckey, president and CEO of the Building Industry and Land Development Association. Let’s hope the public wakes up to the scary facts of what’s going on in the GTA housing market, and joins the chorus of voices looking for government leadership to address these issues – before it’s too late. 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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2017-03-07 9:33 AM

Trending

What Ontario should do to address housing affordability By Wayne Karl

Fix the ‘one size fits all’ Growth Plan

WHAT SHOULD the

Ontario government be doing to address the lowrise housing affordability and supply issue in the Greater Toronto and Hamilton Area? We asked Tim Hudak, CEO of the Ontario Real Estate Association, and former Ontario MPP and leader of the provincial PC party.

Ontario’s proposed amendments to the Growth Plan represent a paradigm shift in how our communities will evolve. The provincial decision to apply a “onesize fits all” approach to growth will impose Toronto-style intensification to more than 100 municipalities. Instead of a blanket provincial preference for high density, give municipalities more flexibility and create more choice in homes for growing families and empty nesters, such as family homes and townhomes.

Address the ‘missing middle’ of housing supply

Tim Hudak

Homebuyers increasingly face the choice of living in a highrise condo or single-family home community. But there is huge opportunity to modernize outdated zoning laws to build the “missing middle” of housing supply in existing communities that are connected to transit and closer to jobs. This includes innovative solutions such as laneway housing and multi-unit homes such as townhouses, stacked flats or midrise buildings. These are affordable and attractive options for Millennials or empty nesters, who would then put their family home onto the market.

Reduce the Toronto Land Transfer Tax According to the C.D. Howe Institute, the Toronto LTT negatively affects housing supply because it incents potential home sellers to stay rather than list their property for sale. Instead of paying tens of thousands of dollars to move to a larger home, or downsize as an empty nester, Toronto homeowners are simply choosing to renovate or stay put. That means fewer starter homes come onto the market for young couples.

Improve the planning approvals process It can take up to 10 years to go through the government approvals process before we build the housing supply needed for our growing population. These unnecessary delays stall housing construction, leaving less housing supply available for people, while contributing to escalating prices. With better alignment of municipal and provincial housing priorities, including requiring updated zoning around transit corridors, we can get new homes to the market quickly in exactly the places where we want them.

Target infrastructure to support new housing supply We already have plans for where all the new housing in the GTHA will be located up to 2031, but those designated growth areas don’t become homes until we can obtain local planning approvals and connect to water, sewers and storm water management services. Builders cannot turn over the keys to a newhome owner if you can’t flush the toilet or get your car to the driveway. The province should support new housing supply with targeted infrastructure investments.

MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  23

Property Profile | FIELDGATE HOMES

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the coming months, giving you even more opportunities to discover the Fieldgate home that is right for you and your family.

Stouffville New release of freehold linked singles and semis An all new release of freehold linked singles and semis is opening March 25

at 11 a.m. at Stouffville’s popular Blue Sky Community. With spectacular home designs starting from the mid $700,000s GTA homebuyers won’t want to miss this exciting opportunity. Stouffville’s Blue Sky is the newhome community you’ve been waiting for – a refreshing way of life full of old-fashioned charm, set in a dynamic, modern and convenient community of mostly detached

homes just five minutes north of Markham. More than 1,300 families already call Blue Sky home and with this new release, there has never been a better time to call Blue Sky your home, too. Inspired by Stouffville’s heritage architecture, the homes at Blue Sky Stouffville are crafted in a complementary style that homebuyers are sure to love. Blue Sky also lets you enjoy all the finest modern conveniences with shops, schools, GO Transit and recreation all just minutes away. Register today at fieldgatehomes.com

Valleylands New release of 38-, 41- and 50-ft. singles coming soon Since it opened, Valleylands has been a top choice among homebuyers in West Brampton. Once you discover this community for yourself, you’ll understand just why that is. At an ideal location on the west side of Chinguacousy Road, south of Queen Street, this is a place where the valleys surrounding the Credit River offer a breathtaking outdoor playground of lush green parkland, with major urban conveniences all just moments away. Fieldgate Homes is pleased to continue the success of Valleylands with an all new release of 38-, 41- and 50-ft. singles from the $900,000s coming in early 2017, in this picture perfect setting. With a wide range of floorplans with four and five bedrooms, you can find something that is the right choice for your family here. Enjoy a relaxed and convenient lifestyle at a great central location that offers excellent proximity to schools, shopping, parks, recreation, Hwys. 407 and 401 and more. Register Now for exclusive updates on this new release.

West Whitby

At Valleylands, enjoy a relaxed and convenient lifestyle at a great central location that offers excellent proximity to schools, shopping, parks, recreation, Hwys. 407 and 401 and more.

Whitby Meadows coming soon Our next master-planned community is Whitby Meadows. It will feature an exceptional selection of 30-, 36-, 42-ft. single-detached homes and freehold townhomes in west Whitby’s finest natural setting. For more information on any of these remarkable communities, sales centre locations, phone numbers and floorplans, or to register for upcoming communities, visit fieldgatehomes.com or follow us on Facebook or Twitter.

Richmond Hill Richlands coming soon Fieldgate is excited to be offering a wide range of singles, semis and freehold townhomes at Richlands, a new master-planned community at Elgin Mills and Leslie. MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  25

Trending

New ground-oriented homes surpass $1 million IT USED TO BE just new detached homes in the GTA that cost more than $1 million, now the average price of other new lowrise homes has also surpassed this milestone threshold. The average price of all available new single-family ground-oriented homes in the GTA surpassed $1 million in January, according to the Building Industry and Land Development Association (BILD). In January, the average price of new lowrise homes – including detached, semi-detached, row and townhomes – increased to a new record of $1.028 million, according to Altus Group, BILD’s official source for new-home market intelligence. Prices of new ground oriented homes grew 25 per cent in just one year. The average price of a new detached home increased to an unprecedented $1.31 million in January. Ten years ago, the average price was $444,368. Meanwhile, the average price of a new GTA townhouse was $879,619 last month, compared to $328,989 in January 2007. “The GTA is facing a severe shortage of housing supply, particularly for single-family homes which sell as soon as they come to market,” says BILD President and CEO Bryan Tuckey. “When there aren’t enough homes to satisfy demand, prices increase and that is exactly what has been happening in our region over the last decade.” There were just 1,524 new groundoriented homes available for purchase in builders’ inventories at the end of January, a near record low. At this time in 2007, there were 18,400. Meanwhile, supply of new detached homes declined to 534, the lowest ever recorded in the GTA. Ten years ago, there were 12,242. The average price of new condominium apartments in stacked townhouses and mid- and highrise buildings in the GTA reached $507,511

MORE TRENDING ONLINE ypnexthome.ca/news

in January, also setting a new record. The average price per square foot reached an unprecedented $625. New condo prices have grown 13 per cent since January of last year, increasing by almost $60,000. A decade ago the average price was $322,569. “Our industry is implementing provincial policy by building more condominium apartments and less ground-oriented housing,” Tuckey says. “A decade ago, condominiums represented just 42 per cent of available inventory, compared to 88 per cent in 2017.” After years of healthy supply, the number of new condominium units available for purchase began to decline. In January 2017, there were 11,529 new condominiums in builders’ inventories across the GTA, which is a 10-year low. Overall, there were 13,053 new homes in builders’ inventories across the region in January, compared to 31,461 a decade ago. “Today in the GTA, there are less than half the overall number of new homes available to purchase than there were a decade ago,” Tuckey says. “Lack of serviced developable land,

excessive red tape and frequent delays in the development approval process have all been large contributors to our housing supply crisis.” New condominium sales were the strongest recorded for a January following a record year in 2016. There were 1,199 homes sold across the GTA in January, most of which were sold in the city of Toronto. That is an 11-per-cent increase over last year. “Demand for condominium apartments is coming from a variety of sources,” says Patricia Arsenault, executive vice-president of research consulting services at Altus Group. “Among them, end users who prefer the locations and amenities afforded by condominium apartments; families who might have opted for a single-family home, but have been shut out of that segment due to lack of available product; and investors who are the key providers of new rental supply for the GTA’s growing population.” Sales of new single-family homes declined to one of the lowest Januaries in the last decade. There were 741 homes sold across the region of which 369 were detached.

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2017-03-01 4:51 PM

Property Profile | DIAM DEVELOPMENTS

Coming soon to Innisfil Radiance will offer modern living Location

Innisfil Builder

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FOLLOWING THE SELLOUT of DIAM

Developments’ highly successful On the Danforth condominium, Moninder Khudal, president and CEO is focusing his unbridled energy on a new townhome community in Innisfil. Radiance will bring modern, in-demand designs coupled with affordable ownership to an ideal location. DIAM Developments has a knack for choosing outstanding locations such as these. A superior builder of extraordinary luxury homes, Khudal’s goal was to bring the same quality to the condominium and townhome market. The company made its debut

with On the Danforth in Toronto. This premier condominium residence will be built at Danforth Avenue and Oak Park Avenue, steps to the subway and GO Train. There are dozens of local amenities within a short stroll, subway ride or drive. The area is undergoing an exciting transformation, and DIAM’s timing was right. In the growing Town of Innisfil, DIAM has also found the perfect locale. Khudal explains why this community piqued his interest. “Building in Innisfil makes sense when you look at home prices, which are 30 to 40 per cent lower than they are for similar product in Markham and

“Prices will begin from the mid $400,000s, offering incredible value in a convenient and accessible location.”

Richmond Hill. With the GO Station so close by, using public transit is very convenient. Radiance is ideal for first-time buyers and young families looking for affordable townhomes.” Designed by Toronto’s renowned onespace architecture, Radiance will feature large decks and optional rooftop Sunshine Terraces so residents can enjoy private outdoor spaces. Purchasers will be able to select from designs ranging from three- to five-bedrooms, that include an innovative flex space on the ground floor. Depending on their needs, they may use this area as a family room, office, extra bedroom, art studio or any number of other purposes. Home layouts are designed for entertaining, with an open-concept great room, kitchen, breakfast area and sliding-door access to the deck. True to Khudal’s commitment,

the townhomes will contain fine features and finishes, and high-quality materials. Sticklers for details, the DIAM Developments team upholds stringent standards for everything from architectural integrity and design to the items purchasers select to personalize their home. Prices will begin from the mid $400,000s, offering incredible value in a convenient and accessible location. Radiance is close to beautiful parks, excellent schools, shopping and restaurants, the new Innisfil Recreational Complex and YMCA, a nine-km stretch of the Trans-Canada Trail and 43 kms of beautiful Lake Simcoe shoreline. Just a block away, there is a new elementary school and large daycare centre, and there are high schools within walking distance. Radiance is also just minutes to everything in the City of Barrie. Innisfil

is within 80 km north of Toronto, and commuters use nearby Hwy. 400 and GO Transit to get to the city. DIAM Developments instills confidence, and under the leadership of Moninder Khudal, a handson builder who holds an MBA in marketing and finance and is knowledgeable in all facets of the business, the company is highly successful. In a just a few years, DIAM has already outgrown its Brampton offices and will be moving to a new 10,000-sq.-ft., custom-built headquarters in Mississauga this spring. Radiance by DIAM will be the next hot residential destination in Innisfil delivering a superb location, familyfriendly designs, quality construction, top-of-the-line workmanship and attentive customer service. To register, visit radianceinnisfil.ca MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  29

Advice | NEWS & VIEWS

Small but sweet: The homebuyer’s mantra of 2017? By Lydia McNutt

MORE ADVICE ONLINE ypnexthome.ca/news/advice

AS THE SAYING GOES, good things come in small packages. In fact, this may be the mantra for many homebuyers in 2017, given the steady rise in real estate prices. National housing affordability hit an eightyear low in the third quarter of 2016, according to the latest Housing Trends and Affordability Report issued by RBC Economics Research. Single-family homes scored a hardto-swallow measure of 49.4 per cent, while condos came in at a moredigestible 35.6 per cent. What does this mean? Those dreaming of the single-detached life in Canada should expect to shell out 49.4 per cent of their pre-tax income – providing they earn at least an “average” income. Sound high? Don’t be mistaken, these numbers are sharply skewed upward by the hot housing markets in Vancouver and Toronto. Vancouver scored 92 percentage points across all housing types, while affordability in the Greater Toronto Area reached 63.7 – the steepest erosion of affordability nation-wide. To cool these overheating markets, Ottawa implemented new mortgage rules late last year, requiring that insured mortgages (those with less than 20-per-cent down payment) qualify at the central bank’s posted rate of 4.64 per cent. This is the case, even if the rate offered by your lender is lower. When rates do eventually rise, the increase in payments will be manageable. Then there’s your Gross Debt Service 30 YPNEXTHOME.CA

ratio to think about. When applying for a mortgage, the lender combines your total housing costs (including mortgage, property tax and heating) and calculates what percentage they are of your gross monthly income, known as your GDS ratio. Under the new mortgage rules, your GDS ratio must not exceed 39 per cent of your gross income – 10 percentage points below Canada’s average cost of single-detached home ownership, as per RBC Economics Research. “The new mortgage insurance rules may help affordability over time, but 2017 is likely to see a tug of war between these market-cooling policy measures and rising longer-term interest rates, pulling affordability in opposite directions,” Craig Wright, RBC’s chief economist, noted in the report. “The net effect of this on the costs of owning a home is unclear at this point.” Since Q3 of 2016 marked the sixth consecutive time affordability dropped, let’s err on the side of safety and assume that costs will continue rising in the foreseeable future. Forms of home ownership are evolving to survive the storm, so to speak.

Increasingly common are options like secondary suites as sources of supplementary income to help pay off that hefty mortgage debt, and new housing types that are smaller in scale and price – enter the micro condo. Who says the key to happiness is a 2,500-sq.-ft. detached house, anyway? Perhaps your dream home isn’t a house at all. Condo living can afford you the hottest locations, coolest finishes, and five-star luxuries like concierge service, a gym or a rooftop pool, at an affordable price. How much would you pay for a detached house that offers all that? Perhaps on your scale, amenities rank higher than a little extra square footage. Weigh the pros and cons of each housing type, then decide which best suits your lifestyle and budget. You might be surprised at where you end up! Lydia McNutt is an award-winning writer and the editor of New Condo Guide. Lydia’s love of architecture, interior design and the written word have landed her happily at YP NextHome, where real estate rules. Lydia can be reached at Lydia.McNutt@ypnexthome.ca, and follow her on Twitter @LydiasTweets

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Neighbourhood Profile

Unionville Thriving heritage village a sought-after destination By Sonia Bell

demand and the housing prices continue to skyrocket. An increase in condo developments and new townhouses, set at more reasonable prices, are drawing first-time buyers. Planes, trains & automobiles The 407 is easily accessible, but can be expensive to use. Unionville GO Station means downtown Toronto is a short commute along the Stouffville line. VIVA bus service also makes stops throughout the GTA. By car, the airport is about 30 minutes away and downtown Toronto 34 kilometres.

MORE PHOTOS ONLINE ypnexthome.ca/unionville-neighbourhood

UNIONVILLE IS A THRIVING heritage

village in the northeast corner of the GTA and in the heart of the city of Markham. This quaint neighbourhood was erected in the late 1700s and has since become an extremely soughtafter area for its beauty and history.

preservation of heritage homes and buildings, especially in the iconic Main Street Unionville. There is a sense of vibrancy resulting from the ultrafriendliness of the residents and the town’s annual festivals, including the Unionville Festival, Jazz Festival and the Festival of Lights.

Lifestyle Main Street Unionville is home to the majority of the hot spots. A combination of scenery, the activities and the people makes Unionville such a pleasant place to live. There is a thriving cultural scene with the Flato art theatre, the Varley art gallery and McKay art centre. Unionville Highschool, specializing in the arts, was attended by actors Hayden Christensen and Emanuelle Chriqui.

Meet the neighbours With Markham regarded as Canada’s most multi-cultural city, Unionville has also become a mosaic of people with varying ethno-cultural backgrounds. The neighbourhood is packed with married couples and families who are drawn to the low crime rate and the area’s facilities, including community centres, golf courses, schools and libraries.

Vibe Unionville is highly regarded for its historic look and feel due to the

In the area Unionville is one of the most affluent towns within the GTA. There is high

The good, the bad & the rest There are multiple grocery stores in the area and Markville Mall is the main shopping centre. The majority of the nightlife takes place on Main Street Unionville, where there are a number of restaurants and pubs. The area’s diversity is reflected in the variety of ethnic food restaurants, making it a hot spot for foodies. The Markham Centre is well into its development and will provide residents with a unique downtown area comprising both residential and commercial spaces. Real estate There is an immense amount of development in the area, causing some concern regarding its gentrification and whether the town will be able to sustain its historic edge. Due to the constant building in and around the neighbourhood and the growing population, the streets are also becoming increasingly congested.

Sonia Bell works with Yellow Pages NextHome to get the inside scoop on what’s trending in real estate, renovation and decor. She has her Masters in Communications, specializing in media, and loves writing about all things real estate.

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MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  33

Trending

EQ Awards celebrate Ontario’s best Green home builders ONTARIO’S BEST GREEN HOME

builders were recently celebrated at the EnerQuality EQ Awards Gala, following EQ’s annual Innovation Forum. “Innovation is ideas brought to life. Ideas that change the world. With these awards we celebrate the changemakers – the innovators and leaders who have put their ideas into practice,” says Corey McBurney, president of EnerQuality. The theme of the Innovation Forum was New, Now, and Next and focused on new thinking, new products and new techniques for advancing Green building performance. In addition to celebrating winners in 16 categories, the Awards Gala also

saw Paul Golini Jr., co-founder and executive vice-president of Empire Communities, inducted into the EnerQuality Hall of Fame. Empire Communities is one of Canada’s largest real estate development companies, having built more than 10,000 new homes and condominiums in Canada and the U.S. New this year was the Impact Award, recognizing a builder’s significant voluntary progress in reducing carbon emissions and outstanding achievements through energy efficiency and sustainability practices. The recipient of the inaugural Impact Award was Mattamy Homes, one of North America’s largest privatelyowned home builders. Paul Golini Jr., left, cofounder and executive vice-president of Empire Communities, receives the EnerQuality Hall of Fame Award from EnerQuality President Corey McBurney

1

2

34 YPNEXTHOME.CA

1. Arista Homes – Vaughan 2. The Minto Group – Toronto and Ottawa 3. Great Gulf Homes – Active House Centennial Park, Toronto 4. Reid’s Heritage Homes Cambridge 5. Geranium Homes – Markham 6. Mattamy Homes – Toronto

2016 EQ Award Winners: Building Innovation – Lowrise Arista Homes – Vaughan

Building Innovation – Mid/Highrise Times Group – Valleymede Towers, Richmond Hill

Energy Star for New Homes Builder of the Year - Small 3

Castleform Development Inc. – Toronto

Energy Star for New Homes Builder of the Year - Mid Mason Homes – Concord

Energy Star for New Homes Builder of the Year - Large The Minto Group – Toronto and Ottawa

Best Green Marketing Campaign Great Gulf Homes – Active House Centennial Park, Toronto

Green Renovation Project of the Year RND Construction – 106 Bayswater, Ottawa 4

Ontario Green Builder of the Year Reid’s Heritage Homes – Head Office Cambridge

Energy Star Champion of the Year Lisa Bergeron, JELD-WEN – Quebec City, Que.

R-2000 Builder of the Year Sloot Construction – Guelph (Arkell)

Net Zero Home Builder of the Year Reid’s Heritage Homes – Cambridge 5

Evaluator of the Year Jack Zhou – Markham

Builder Achievement Award (Sponsored by JELD-WEN) Doug Tarry – St. Thomas

Leader of the Year Jennifer Weatherston, Reid’s Heritage Homes – Cambridge

Savings by Design (Sponsored by Enbridge) Geranium Homes – Markham 6

Impact Award Mattamy Homes – Toronto MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  35

Advice | LEGALLY SPEAKING

Financing and fine print: What you need to know By Jayson Schwarz

MORE ADVICE ONLINE ypnexthome.ca/news/advice

AS A REAL ESTATE LAWYER, I

sometimes see builders (“Vendors”) trying to take advantage of newhome buyers on the issue of mortgages. There is an attempt to squeeze extra money from buyers through clauses inserted into the Agreement of Purchase and Sale, to trap the unwary buyer. Here are some things to watch out for: 1 | “The purchaser agrees to apply to a lending institution designated by the Vendor... to assume any existing first mortgage... The first mortgage shall bear interest to be fixed by the lending institution at a rate not to exceed __% and have about __ years to run...” This clause makes sense and allows certainty for both sides. Where the buyer gets potentially damaged is when this clause is combined with clauses 2 or 3 that follow: 2 | “If at any time prior to the completion of the sale, the Vendor determines that it is unable for any reason whatsoever to arrange first mortgage financing for the subject property with a lender of its choice, this Agreement may, at the Vendor’s option, be declared null and void and the deposit money returned to the Purchaser without deduction or interest.” This is scary. First of all, you have a Vendor with no restrictions or obligation to be reasonable, and this Vendor will probably react only out of self-interest. Our poor buyer, if 36 YPNEXTHOME.CA

terminated, doesn’t even get interest on his deposit and this clause may be applied right up to closing. 3 | “It is agreed and understood that the term of the first mortgage may be varied at the option of the Vendor, by decreasing it by not more than 20% of the total term... In the event the vendor has not received a mortgage commitment... above described, Purchaser agrees to accept such mortgage upon such terms and at such interest rate as the Vendor is able to arrange, provided that the interest rate... shall not exceed the interest rate shown above by __%.” This clause gives the builder the unrestricted option to reduce the term, as an example from five to four years (lowering the cost of money), and increase interest over what you thought you were getting at the beginning. A fairly sneaky builder could get a commitment that builds in a percentage of your mortgage payments as a bonus to the builder. This clause could be used by an unscrupulous builder, to the extreme detriment of an innocent purchaser. 4 | Sometimes a mortgage schedule is buried in the back of the Agreement. I once reviewed one with a clause allowing the builder to terminate

if the buyer did not provide him an acceptance letter for financing from an institution within 10 days of acceptance of the offer. Hmmm, closing in two years but we need to give the letter now? Good luck! And the builder has the right to terminate any time up to closing. So, what should you do? a) Amend clauses like 2, 3, 4 if they appear in your offer, or don’t firm up. Request the option to seek your own financing, and get it in writing. b) When you see clauses like 2, 3 and 4, be suspicious – especially if they are buried in fine print, You should wonder whether you can trust a builder who does this. The moral of the story is to make sure that the offer is conditional for a few days on both financing and review by your lawyer. It is critical that you get the right advice, and remember that only a lawyer can provide legal advice – that is the law. When you select a lawyer, find one who cares about you and a long-term relationship. 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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SUMMIT CITY CENTRE CONDOMINIUMS OF CORNELL

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

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

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

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

preview registration RADIANCE By: DIAM Developments City: Innisfil Housing type: Townhomes with up to five bedrooms from the mid $400’s radianceinnisfil.ca

CONDOMINIUMS OF CORNELL By: Mattamy Homes City: Markham Housing type: Condominium suites from 725 to 1,302 sq. ft. mattamyhomes.com

MADISON LANE By: Reid’s Heritage Homes City: Bowmanville Housing type: Urban luxury condos from 650 to 1,200 sq. ft. madisonlanecondos.com

HILLSBOROUGH By: Andrin Homes City: Holland Landing Housing type: 38-, 40- and 45-ft. detached homes in a master-planned community andrinhomes.com

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

QUEEN’S COMMON ON THE RIDGE By: Rosehaven Homes & Homes by DeSantis City: Stoney Creek Housing type: Freehold townhomes liveontheridge.ca

By: Mattamy Homes City: Whitby Housing type: Detached and townhome designs mattamyhomes.com

GLENWAY

VICTORY HEIGHTS

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

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

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

…continued on page 44 42 YPNEXTHOME.CA

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MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  43

LATEST LISTINGS

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

…continued from page 42

VALLEYLANDS

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

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

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

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

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

TIFFANY HILL By: Rosehaven Homes City: Ancaster Housing type: Freehold towns, semis and detached homes tiffanyhill.ca

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

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

TIME

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

44 YPNEXTHOME.CA

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 $900’s cornellrouge.com

PARK RIDGE By: Tribute Communities City: Oshawa Housing type: Family-sized 36-, 40- and 50-ft. designs from the low $800’s 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

2.35

Alterna Bank

2.25

Bank of Montreal

2.6

Bank of Nova Scotia

2.9

CIBC

2.7

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 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

2.84

2.59

2.65

2.68

3.19

3.59

4.09

2.89

3.09

3.39

3.89

4.49

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 2.89

2.84

3.44

2.74

2.89

3.24

3.49

3.69

3.79

6.95op 4.55 6.45op 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

2.69 2.84

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 3.14 2.8 2.95op 2.39

2.74

2.59

2.84

2.84

2.89

2.95

2.99

2.89

2.64 2.99

2.64 2.99

2.84 3.1

2.89 3.14

3.2

3.65

4

4.5

2.79

3.39

3.89

2.64

3.04 2.85

3.15 2.95

3.89 3.05

3.89 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 Feb 27, 2017. Prepared By Fiscal Agents Financial Information Services 905.844.7700

MAR 18 - APR 1, 2017  |  NEW HOME GUIDE  45

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projects & communities MAP LISTINGS IN THIS ISSUE PAGE BUILDER SITE

CONTACT INFO

continued from page 48 PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

East T

from $390,000

D

T

31

28N

madisongroup.ca

T

16

23M

Queen’s Common

mattamyhomes.com

D

T

91

27O

Mattamy Homes

Seaton Taunton

mattamyhomes.com

D

T

44

24N

Reid’s Heritage Homes

Madison Lane

madisonlanecondos.com

C

11

Andrin Homes

Hillsborough Holland Landing

andrinhomes.com

D

from $820,000

51

18E

Ballymore Homes

Mill Street Village

millstreethomes.com

T

from $560,000

20

12E

21

Ballymore Homes

The Villages of Killarney Beach

ballymorehomes.com

from $830,000

Briarwood Homes

Mill Street Village

millstreethomes.com

T

from $560,000

Briarwood Homes

Pretty River Collingwood

1-888-257-1999

from $310,000

9

Great Gulf

Hillsborough Holland Landing

greatgulf.com/hillsborough

D

51

18E

Mattamy Homes

The Estates of King Township

mattamyhomes.com

T

74

16I

Rosehaven Homes

Anchorwoods Holland Landing

anchorwoods.ca

D

S

86

19E

Fieldgate Homes

City Towns Valley Lands in Brampton

fieldgatehomes.com

D

S

T

from $400,000

26

9P

Fieldgate Homes

Lotus Pointe Caledon

905-838-2806

D

T

from $724,000

23

8M

23

Fieldgate Homes

Valley Lands

905-457-0445

D

T

from $900,000

26

9P

Mattamy Homes

Hawthorne South Village

mattamyhomes.com

D

T

59

6S

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

T

C

60

7O

Mattamy Homes

Mount Pleasant Village

mattamyhomes.com

93

8O

Mattamy Homes

River Mill

mattamyhomes.com

Mattamy Homes

The Preserve

mattamyhomes.com

D

T

Mattamy Homes

Topper Woods

mattamyhomes.com

T

Mattamy Homes

Wildflowers mattamyhomes.com

T

33

Briarwood Homes

Young’s Cove

youngscove.ca

23

Fieldgate Homes

Whitby Meadows

fieldgatehomes.com

17

Madison Group

Frenchman’s Bay

Mattamy Homes

31

S

North

S

S

20

12E

West

S

29

7V

Property Type D Detached S Semi-Detached T Townhome

projects & communities MAP LISTINGS IN THIS ISSUE PAGE BUILDER SITE

CONTACT INFO

PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

Central 7

Andrin Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

D

from $700,000

68

18F

Fieldgate Homes

90 Niagara

416-981-0036

D

T

from $346,000

35

16S

Fieldgate Homes

Aurora Trails

fieldgatehomes.com

D

T

from $620,000

14

19G

23

Fieldgate Homes

BlueSky Stouffville

905-640-0002

D

from $750,000

12

22J

23

Fieldgate Homes

City Lux Towns

fieldgatehomes.com

D

T

53

16L

23

Fieldgate Homes IMPRESSIONS

fieldgatehomes.com D S

T

3

12K

Fieldgate Homes Zigg

416-545-0223 D

T

36

16R

Forest Hill Homes

Bridle Path of Thornhill

foresthillhomes.ca

D

from $2900,000

50

16E

5

Forest Hill Homes

Cornell Rouge

905-472-9556

T

from $900,000

16

23M

Forest Hill Homes

Jefferson Forest

foresthillhomes.ca

D

T

from $1200,000

10

18J

Geranium Homes Corporate

geraniumhomes.com D

T

27

Geranium Homes

Twelve on the Ravine

12ontheravine.com

D

T

from $1700,000

89

22P

Geranium Homes

Vista at Cardinal Point

vistaflatsandtowns.com

D

T

from $420,000

12

22J

7

Lakeview Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

D

from $700,000

68

18F

5

Madison Group

Cornell Rouge

905-472-9556

T

from $900,000

16

23M

Mattamy Homes Alderidge

mattamyhomes.com D S

from $1230,000

82

13S

Mattamy Homes

mattamyhomes.com

37

15P

Mattamy Homes Cornell

mattamyhomes.com D

T

from $2900,000

17

22M

IFC & 1

Mattamy Homes Corporate

mattamyhomes.com D

T

C

Mattamy Homes

Downsview Park

mattamyhomes.com

37

15P

BC

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

C

from $350,000

39

14S

13

Rosehaven Homes

Corporate

rosehavenhomes.com

T

continues on page 47

Canopy at Downsview Park

S

Property Type D Detached S Semi-Detached T Townhome

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Kipling Ave

400

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Jane St

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55

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McNaughton Rd

Langstaff Rd

Weston Downs

Bloomington Rd

49

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Dixon Rd

Renforth Dr

Rd

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Kirby Rd

Rutherford Rd

73

74

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Weston Rd

Pine Valley Dr 72

Rathburn Rd

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Clarence St

Martin Grove Rd

Carlingview Dr

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McGillivray Rd

Hunting ton Rd

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Rupke Rd

7th Concess ion

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Leonard Rd

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Duclos Rd St ou ffv ille

Ho Port ove rR d

Fowler Rd

Concession 2

35 Boundary Rd Concession Rd 10

New Park

Skelding Rd

Dawson Rd

Gibbs Rd

Aked Rd

Clemens Rd

Allin Rd

Mosport Rd

Best Rd

opper Pa G r as s h rk R d

K

Murphy Rd

Longsault Rd

Woodley Rd

17

Cooney Rd Vickers Rd

Gamsby Rd

Lawrence Rd

Squair Rd

35 115 Moffat Rd

Lockhart Rd Bell-wood Dr

Arthur St

King St Stephenson Rd

Mill St

Riley Rd

V

Kirby

Ochonski Rd

East Region

U

Leskard Rd

Bennett Rd

Waverly Rd

T

Darlington Clarke Townline

Providence Rd

Lambs Rd

Bowmanville P

West Region North Region

42

Pollard Rd

O

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Central Region

4

Concession Rd 3

Main St

Queen St E

St sioners

Nixon Rd

N

Bragg Rd

Mearns St

Baseline Rd

Cole Rd

Mearns Ave

Concession St 57

Bethesda Rd

14

Acres Rd

Middle St

Green Rd

Presto nva le R d

Concession 5

Concession Rd 7

Liberty Rd

Sew ells

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Concession 6

M Clarington

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Maple Grove Rd

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Old

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A Ray Rd

H Corneil Rd Concession 7

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20

Taunton Rd

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H

Concession 4

Hampton

Nash Rd

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J

Cedar Park Rd

Concession Rd 6

Washington Rd

e Murray Av

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59

Tooley Rd

Townline Rd

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Solina

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G

Concession 3

Lettner Rd

Old Scugog Rd

Ormiston Rd Langmaid Rd

Grandview St N

P

ll i p

Enniskillen

Mitchell’s Corners

62 hi

Union School Rd Wotten Rd

Enfield Rd

Grandview St N

Townline Rd

Bond St Gibb St

8855

58 King St

22 rth St Went wo

60

Hoyer Rd

Nestleton Rd

Cartwright West Quarter Line

Sandy Rd

Graham Rd Russell Rd

Wilson Rd

Ritson Rd

Harmony Rd

35

Adelaide Ave

Park Rd

Burns St

54

Concession Rd 10

3

Sand Bar Rd

Ogemah Rd

Washburn Island Rd

Rd

Simcoe St

Dundas St

Valentia Rd

Eldon Rd

Beacroft Rd

Mississaugas Trail

He ad

Harmony Rd N

Ritson Rd

53 Stevenson Rd

36

52

34

Conlin Rd

Oshawa

28 Ma nn in g Rd

Hopkins St

Henry St

Halls Rd

Pickering Beach Rd

Shoal Pt Rd

Westney Rd

Harwood Ave

Squire Beach Rd

Sandy Beach Rd

East Ave Port Union Rd

44

Victoria St

Cochrane St

Salem Rd

24

Brock St

91

41

43

Garden St

2

McQuay Blvd

Ajax

Halls Rd

Ravenscroft Rd

Riverside Dr

Church St

Whitby Rossland Rd

31

4

Mountjoy Rd

Concession Rd 7 33

2 Stevenson Rd N

Country La

Salem Rd

Westney Rd

Taunton Rd

12

Byers Rd

57

Janetville

Fallis Rd

Cadmus

Devitts Rd 57

3

71

Nestleton

McKee Rd

Concession Rd 9

Winchester Rd

16

Thickson Rd

Anderson St

Lyndebrook Rd

Bradburn Rd

Burketon

Boundary Rd

Allan Long Rd

Bush Rd

White Rock Rd

Fingerboard Rd

Sim coe St

Till Sdrd

Columbus 3

Coronation Rd

Greenwood Rd

Halls Rd N

Thornton Rd

Columbus Rd

Mariposa/Ops Bdry

Barry’s Rd

Station Rd

Old Simcoe Rd

Stevenson Rd N

Duffs Rd

Cochrane St

26

Taylor’s Rd

Sideroad 18

Sideroad 18A

Diamond Sideroad

Howden Rd

Brooklin

19

Raglan Rd

Raglan

7 12

Cedarbrook Tr

Country La

Kinsale Rd

Sideline 4

Paddock Rd

5th Concession Rd

Shirley Rd Coates Rd

Myrtle Ashburn Rd

Ashburn

Eden Rd

Eldon Rd

Ridge Rd

Scugog Line 2

Brawley Rd

Greenwood

Scugog Line 3

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Malcolm Rd

Edgerton Rd

Church St

2

Heron Rd

Myrtle Rd

Sideline 2

Balsam Rd

Sideline 5

31

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Scugog Line 4

Bryant Sdrd

Dagmar Rd

Balsam

HWY

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Bayly St

Grey Sideroad

Rd st Ma

Lakeridge Rd

High P

Concession 14

Proutt Rd

Reach St

Chalk Lake Rd

Mount Zion

70 Brock Rd

Liverpool Rd

Valley Farm Rd

eE Av

West Hill

ton gs Kin

Sheppard Ave

Lawrence Ave E

Sideline 12

Sideline 22

Sideline 22

Whites Rd

Dixie Rd Finch Ave

38

Westney Rd

Sideline 14

Sideline 22

Sideline 24

Rosebank Rd

Altona Rd

Guildwoo d P

44

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27

Sideline 14

Sideline 16

Sideline 20

Sideline 24

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Milner Ave

4th Conc Rd

89

Military

Morningside Ave

Dr Scarborough Golf Club Rd

Eglinton Ave E

Old Finch Ave Rd

Whitevale

Plug Hat Rd

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Daw es R d

Coxwell Ave

Woodbine Ave

Greenwood Ave Donlands Ave Jones Ave Pape Ave

Victoria Park Ave

Midland Ave

Birchmount Rd

Pharmacy Ave

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Brimley Rd

Don Vally Pkwy

Don Mills Rd

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Sewells Rd

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Sheppard Ave

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Tapscott Rd

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Middlefield Rd

Leslie St

404

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Mortimer Ave

Pickering

407

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Eglinton Ave W

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8th Concession Rd

Whitevale Rd

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69

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Pine Pt Rd

Ma Brown’s Rd

Beacock Rd

Pine Rd

Webb Rd

5

Elgin Mills Rd

Houston Rd

Allbright Rd

1

Dicksons Hill

48

Reesor Rd

6

Main St

D on

Warden Ave

mond Hill

65 Kennedy Rd

Victoria Square

McCowan Rd

19th Ave

29

Glasgow

Stouffville 12 10th Line

Jefferson

41 49

ern Ave

Markham Rd

10

Stouffville Rd

14

on Sideroad St Rd

Bethesda Rd

Bethesda

Rd

7

F

Mabels Rd

L AKE SCUGOG

Utica

Brock Rd

Yonge St

Sunset Beach Rd

Secord Rd

Demara Rd

Scugog Line 6

Ried Rd

21

47

Whitchurch-stouffville

Harper Rd

nd Isla

Epsom

Cottage Rd

Pogue Rd

Whitfield Rd

4

Rainbow Ridge Rd

7 Mile Chandler Dr Island Rd

Scugog Line 8

Ward Rd

E

28

. La

Kent St

Cross Creek Rd

7

8

40 34

Sideroad 18A

R

Goodwood Rd

HWY

Spadina Sdrd

Uxbridge

Prouse Rd

Blackwater Rd

Brookdale Rd

47

Hood Dr

Clements Rd

Scugog Line 9

HWY

Ramsey Rd

16

ier oz Cr

Little Britain Rd Cricket Hollow Rd

D

Seagrave Cookston Rd

Long Rd

Ranch Rd

Algonquin Rd

Scugog Line 12

Scugog Line 9

Medd Rd

Wagg Rd

Hillsdale Dr

Wetheral Sdrd

O’Beirn Rd

8th Conc Rd

d

47

7th Conc Rd

Vandorf Rd

Aurora

Marsh Hill Rd

Jesse Thomson Rd

Re ach St

HWY

7 12

Cragg Rd Canton Rd

8

6th Conc Rd

8

Aurora Rd Lak es

e hor

Henderson Dr

Ballantrae 15

Ball Rd

Roseville Siloam

St Johns Rd

Wesley Cors

Scugog Line 12

Uxbridge

4th Conc Rd

57

Saintfield Marsh Hill

4

C

Little Britain Rd

Zion Rd

Fenelon Bdry

Dewdrop Rd

Cresswell Rd

Salem Rd

Royal Oak Rd

Little Britain Rd

6

B

Taylor Corners

Farmstead Rd

Kawartha Lakes

Brock-Scugog Townline Rd

Blue Mountain Rd

23

3nd Concession Rd

72

St John’s Rd

Farmstead Rd

Pinedale

Scugog Line 14

1

Feasby Rd

2nd Concession Rd

Bayview Ave

Wellington St

Woodbine Ave

26

Sideroad 17

Cherry St Faulkner Ave

Bogarttown

Sideroad 17

1

St John’s Sideroad

Bow St

Sideroad 17A

Vivian Rd

74

11

7 7th Concession

6

Oakwood

7A

Cambray

GrahamRd

13

Victoria Corners Rd

A

18

Manilla

2nd Concession

Victoria Corners

9

Skyline Rd

9th Concession

6th Concession

Foster Dr

Davis Dr

Cedar Valley

Sideroad 17

Mulock Dr

13

Goos

Quaker Rd

2

Weirs Rd

Sandford

46

5th Concession 4th Concession

21

Camer 9

Rd

33 The Glen Rd 34

Peniel Rd

10th Concession

Islay

Rd

9

Valley

Black School Rd

11th Concession

Sunderland

6

Grasshill

Woodville

32 12

8th Concession

King St

Linden

Cannington

Derryville 12

St

31

9th Concession

Vallentyne

Kennedy Rd

Sandford Rd

Brock

Woodville

King

2

Concession

30

Vrommanton

23

Zephyr Rd

13

Leaskdale Rd

Ashworth Rd

York-Durham Line

Newmarket

Brock Rd

Davis Dr

Udora

Shier Rd

68

82

8th Conc Rd

West Franklin

Lake Ridge Rd

19

Bales Dr

39

t

14th

29

Hartley

Lorneville

10

6th Concession Rd

Herald Rd

St

Weir’s Sideroad

ain M

Wilfrid

10th Concession

Fowlers Rd

5th Concession Rd

Green Lane

Miller’s Sideroad

Zephyr

69

9th Concess ion

Rd Franklin

38

Brewster Rd 5th Concession Rd

Mount Albert Rd

13

12

Ravenshoe Rd

4th Concession Rd

65

Cedarbrae

3rd Concession Rd

Rd

Centre St

ng ndi La

Farr Ave

13

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

Bridle Path

Smith Blvd

Meyers Rd

Orchard Ct

77

Hornes Rd

East Gwillimbury

Cedarbrook Dr Rd

Concession Rd 3 Thorah

Concession Rd 2 Thorah

48

14th

27

Old Homestead Rd

Foot Dafoe St St

48

Morning Glory Rd

Georgina Prout Rd

Cole Rd

Queensville Sideroad

Queensville

86

51

8

26

Dr

g Irvi n

81

Leitch Rd

Boag Rd

Maple Hill

79

Brown Hill

2nd Concession Rd

Leslie St

Sand Rd

Morning Sdrd

Ravenshoe

18

Frog St

Holborn Rd

Doane Rd

45

51

Rd

25

Audubon Way

3

2nd Concess ion

77

1 Ho aham Sdrd lla nd Rd

ing ter Ca

Boag Rd

Holborn Rd

38

32

Rd

24

Latimer Rd

Miles Rd Blake Ave

Ravenshoe Rd

Holland Marsh

10th Line

st re nc ve Ra

Carley Rd

The Queen sway

West bury

Rd

23

Thorah Beach Port

Point

Virginia

Park Rd

Pollock Rd

Glenwood Ave

Line 12

Rd

Sutton

BrockThorah Twnl W

Lloyd Sdrd

Mile Lane nt ry Bethel Side Rd

Cryderma n’s Rd

Morton Ave

River

Rd

Island View

Maple Beach

Duclos Point

P e ff e r l a w

22 Cou

COOK’S BAY

Briars 80 Pk

Black Hi

Rd 9 ing

Baldwin Rd

Line 13

Rd

21

Old Homestead Rd

Gilford Rd

Rd

Base Line Rd

8A Lockie Sd Rd

Church St

Fennell

Pu mp Ho us e

3

Rd

e dge

Stoney Batter Rd

20

Jacksons Point

Park Rd

3

Deer Park Rd

Boyers Sideroad

Rd

Lasher La Valley Vie w Dr

4

DeGrassi Point

19

20th Sideroad

18

Line

h ore

St gh

urchill

The Que ensw ay

Harbour St Pine Ave

Killarney Beach Rd

Roches Point

Island Grove

Metro Rd

Willow Beach

Dalton Rd

t tS ar Ew

39

3rd

e Lak 78

H

Belle Aire Beach Rd

Lake

Dr

S

d eR

Mapl

nnisfil

23

Nantyr Park

Civic Cen tre Rd

20th Side road

Line

Line

Virginia Blvd

7th

6th

Cate r

Nantyr

John’s Rd

Barclay

Kleinburg Address. Park Views.

LIVE, WORK, AND PL AY ON THE PARK IN KLEINBURG SUMMIT Collection Of Executive Townhomes, Live/Work Towns And Detached Homes Coming Soon Serene park views nestled in the heart of upscale living is coming to our Kleinburg Summit community. Our Gallery on the Park Town gives you the choice of Executive Towns or our innovative Live/Work Towns. Experience the sophistication of Kleinburg Summit in a variety of luxurious Detached Homes being released soon. These opulent, sought after homes are the pinnacle of upscale living. Discover Mattamy’s thoughtful home designs and welcoming neighbourhoods.

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A Mattamy home is a HOME YOU’LL VALUE for a lifetime. SALES CENTRE HOURS: Monday - Thursday 1 pm-8 pm; Friday 1 pm-6 pm; Saturday, Sunday and Holidays 11 am-6 pm All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

SALES CENTRE 10340 Highway 27