GTA New Home Guide - Apr 2, 2016

APR 2 - 16, 2016 VOLUME 24, ISSUE 7, FREE

GTA EDITION

MADE

•

FOR

•

LIVING

MADISONHOMES.CA See cover story page 30

INSIDE THIS ISSUE

DOUBLE-DIGIT PRICE GROWTH ON THE NEW HOME HORIZON

CANADA’S HOTTEST MARKETS? YOU MIGHT BE SURPRISED

BUILDING ACCESSIBILITY INTO TODAY’S NEW HOMES

L I V EL I V EL A U G L A H U G HE X P L EO XR PL E O R ED E S D I GE NS I G NS T Y L SE T Y L ES H O SP H O PC H A C T H AT

LIVE LIVE LAUGH LAUGH EXPLORE EXPLORE DESIGN DESIGN STYLE STYLE SHOP SHOP CHAT CHAT OUR AWARD-WINNING OUR AWARD-WINNING SOURCE SOURCE FOR IDEAS FOR IDEAS & ASPIRATIONS & ASPIRATIONS HAS GONE HAS GONE ONLINE. ONLINE. CheckCheck it out at it AspireOnline.ca. out at AspireOnline.ca.

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contents APR 2 - 16, 2016 | VOLUME 24 ISSUE 7

30

ON THE COVER

Madison Homes + online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

WITH

DYNAMIC MAPS

LOOK FOR THE CIRCLE

Creating enduring communities in the GTA property profiles

neighbourhood profile

24 Fieldgate Homes

46 Maple

34 Mattamy Homes

trending

A new collection of homes at Valleylands in Brampton Contemporary living at The Condominiums of Cornell

Suburban paradise

16

50 Brownstone Group

Heritage Towns authentic homes in Junction Triangle

38

Tarion Warranty Corp.

Homeowners’ Choice Awards finalists named

Housing Markets

Canada’s hottest markets – March Madness style

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66 Style File

Sweet dreams

70

Home Decor

How to get the model suite look

advice

10

34 70

BILD Report

Building accessibility into today’s new homes

by Bryan Tuckey

14

Fundamentally Speaking

First-time buyers left out of Budget 2016

by Wayne Karl

20 Stat Chat

Double-digit price growth expected in new homes

by Ben Myers

22 Mortgage Advice

56

0

Is the lowest mortgage rate always best?

by Alyssa Richard

32

Money Matters

The dreaded B-word

by Gail Vaz-Oxlade

42 Legally Speaking

Getting your financial house in order

by Jayson Schwarz

64 Quick Tips

A place for everything – and everything in its place

by Hellen Buttigieg

50 44 Budget 2016

Grading PM Trudeau’s inaugural budget

48 Decor Trends

Sky’s the limit when working with 2016’s top colour

52 Homebuying

Need a little luck searching for that perfect home?

buyers’ resource section

74

Hot Properties

New releases, openings and preview registrations

inspiration

77

36

in every issue

Outdoor Living

Garage organization

56 Designer Advice The fully furnished bathroom

60 Style File

Filling your walls

Mortgage Rates

4

Editor’s Note

6

Contributors

78

What’s Online

79

Advertiser Index APRIL 2 - 16, 2016 | NEW HOME GUIDE 3

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Editors' Notes

SUSAN LEGGE Editor-in-Chief / Director of Content Yellow Pages NextHome Email: Susan.Legge@ypnexthome.ca Twitter: @SusanLegge

MAPLE

TAKE A TOUR ONLINE ypnexthome.ca/maple

Your new to-do list Are you too busy to manage a home? Perhaps you’ve done the homeownership thing, and want to unshackle yourself from the costs of upkeep and home maintenance?

Most everyone these days is looking at ways to de-stress and simplify their lives, and renting rather than owning one can be one of the easiest ways to get relief. When you really think about it, it’s an option that may take some getting used to!

Needless to say, when you’re renting a home, your “to-do” list will likely look very different than those from your homeownership days.

Whether you’re a life-long renter or a homeowner in need of a change, this issue of New Home Guide is for you.

We’ve got some great advice on renting and decorating in the issue.

Check it out – and find even more online at YPNextHome.ca! Your new “to-do” list is waiting.

Budget 2016 a good start

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

+ get social

Justin Trudeau wouldn’t be the first Prime Minister to break an election promise. During what some dubbed the “housing election” last fall, Trudeau included a number of initiatives on this topic in his campaign platform.

Now, several months and one inaugural budget later (see page 44), we get a better sense of how important it is to him.

While his plan to “modernize” the Home Buyers’ Plan (HBP) was nowhere to be found in Budget 2016, it’s apparent the Canadian housing landscape is fixed in his sights.

Indeed, a commitment to develop a

National Housing Strategy, and heavy spending on affordable housing, are good indications he’s paying close attention to a topic that is important to Canadians.

Wisely, though, he stopped short of imposing new tools or regulations that could hamper the housing industry – which is key to the Canadian economy.

As for the HBP, whether not addressing this program or others in this budget qualifies as promises broken or merely delayed, remains to be seen.

One thing is clear – his focus on housing will likely sharpen in the months and years ahead.

Interact with us on social media: ypnexthome

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Contributors

DESIGNER ADVICE

PRESIDENT, YELLOW PAGES NEXTHOME

YANIC SIMARD

Jacqueline Hill

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

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES, NATIONAL

Moe Lalani ASSOCIATE PUBLISHER, NEW HOME GUIDE GTA, NEW CONDO GUIDE

Anne-Marie Breen

MONEY MATTERS

ASSOCIATE PUBLISHER, NEW HOME & CONDO GUIDE, SOUTHWESTERN ONTARIO

GAIL VAZ-OXLADE

Susan Maxwell

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

EDITOR

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)

Wayne Karl ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

Sara Duck (on leave), Elisa Krovblit, Lydia McNutt (on leave)

SENIOR ACCOUNT EXECUTIVE

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

Dionne Fraser dionne.fraser@ypnexthome.ca

MORTGAGE ADVICE

ALYSSA RICHARD 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

DISTRIBUTION & SALES CO-ORDINATOR

Terry Basset NATIONAL CIRCULATION MANAGER

John Jenkins

PRODUCTION MANAGER

Bala Gnanapandithan PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic

LEGALLY SPEAKING

GRAPHIC DESIGNERS

JAYSON SCHWARZ,

Miguel Cea, Mike Terentiev

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

Published by

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

TARION REPORT

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

DESIGNER ADVICE

#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 Free distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices.

COPYRIGHT 2016 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 SSubmissions from interested parties will be considered. Please submit to the editor at Susan.Legge@ypnexthome.ca

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

Please recycle this magazine! Yellow Pages NextHome participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

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YO U R

YO U R

YO U R

E N KMEESN KMEESN K E

I FREE S T O R E Y S TA R T S LH S T O R E Y S TA R T S HL E I FEER ES T O R E Y S TA R T S H

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VThei s it the Enclaves of Upper Canada is the stuff great Life m u s tStoreys - s are ee o dlocated e l in the charming madem of. Ideally Norval, h oGeorgetown m e thamlet o dof a y the community gives families everything they Dr. need to make every day a Guelph St. & MacFarlane real 289.891.9103 page-turner. It’s your classic “happily ever after.”

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Visit the m u s t- s e e m o d e l – East Gwillimbury hComing o mSoon e t o d ay Hometown Sharon Village

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Advice | BILD REPORT

Building accessibility into today’s new homes

By Bryan Tuckey

MORE ADVICE ONLINE ypnexthome.ca/news/advice

ABOUT 15 PER CENT of the population

has some form of disability, according to Statistics Canada, and the GTA’s home builders and land developers are designing residential and commercial buildings to be more accessible and barrier-free.

When constructing any building in Ontario, builders must comply with the Ontario Building Code, and in 2015 the Code was updated to include more accessibility requirements for new offices, industrial and multi-residential buildings.

The Code now requires that 15 per cent of homes within a new multi-unit residential building have a barrier-free path. Doors and hallways have to be wider to allow room for a wheelchair and ramp dimensions have been updated to make new buildings easier to access. For people who have low vision, there are new requirements for tactile walking surfaces that indicate the top of stairs and platform edges.

Also required under the updated Code is the installation of visual fire and smoke alarms. There also has to be barrier-free access in between storeys in most buildings and building entrances, barrier-free washrooms, and common areas, such as party and movie rooms in condominiums, need to have power door mechanisms.

It takes an innovative design approach to incorporate accessible aspects into new residential buildings.

Designing accessible units, wider hallways and other elements can

be challenging especially in midrise buildings where space is already limited. It’s not impossible but takes some thought about where the units go within the building and how to accommodate for the expanded interior space.

Rockport Group has a multifaceted revitalization project starting construction this summer at Weston Road and Lawrence Avenue called The Weston Hub and 22 John Street. It’s a collaboration with the City of Toronto, Artscape Toronto Inc. and Woodbourne Capital Management Inc. that will rehabilitate a vacant building into livework spaces, a community cultural hub and add a 30-storey market rental building to the site next door. Both buildings will be accessible with ample corridors and wider suite entryways.

Both will also have a wheelchair lift where there are staircases in common areas, barrier-free washrooms and accessible amenities.

In The Diamond on Yonge in

North York, Diamante Urban Corp’s building, 10 per cent of each type of unit is barrier-free. This allows homebuyers to choose their suite knowing it will have a barrier-free path throughout and at least one washroom will have space for a wheelchair to fully turnaround.

The Code requires existing buildings that are being renovated to follow the new rules, but existing homes, and new single-family, semi-detached and townhomes are not required to implement these changes. The only one that applies to new lowrise home construction is that smoke alarms must be installed with a visual component.

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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Advice | FUNDAMENTALLY SPEAKING

First-time buyers left out of Budget 2016

By Wayne Karl

FIRST-TIME HOMEBUYERS —

particularly those in expensive markets such as the GTA — thought they had a powerful friend in Prime Minister Justin Trudeau.

Leading up to the election last fall, one of Trudeau’s campaign promises was to modernize the federal Home Buyers’ Plan. The plan as it stands now allows first-time buyers to withdraw up to $25,000 from their RRSP to put toward a down payment on a home. They then have up to 15 years to repay the funds.

In 2009, then Prime Minister Stephen Harper raised the withdrawal limit to $25,000 from $20,000. In his own 2015 re-election campaign, Harper was proposing to increase it further, to $35,000.

Trudeau had proposed to bring the HBP up to 2016 standards to allow Canadians impacted by sudden and significant life changes to buy a house without tax penalty. He said this would ease the burden on Canadians facing job relocation, the death of a spouse, marital breakdown or a decision to accommodate an elderly family member.

However, in his inaugural budget — Budget 2016 tabled on March 22 — here’s what Trudeau’s first financial plan included for first-time homebuyers: absolutely nothing. No update or revision to the HBP was to be found.

It would have been welcomed news to first-time buyers. Housing costs in the GTA are rising (which is a good thing, once you own a home, as it’s an indication of market health). But saving and otherwise obtaining the funds to take that important first homebuying step are becoming increasingly difficult. This is especially true in Toronto, where

MORE ADVICE ONLINE ypnexthome.ca/news/advice

“Housing costs in the GTA are rising...But saving and otherwise obtaining the funds to take that important first homebuying step are becoming increasingly difficult.” the industry and others are raising concerns about affordability.

This is also where the HBP and other initiatives prove their value.

Through other measures, however,

it is clear Trudeau is keeping an eye on the housing market, which is increasingly important given economic and affordability challenges in some areas.

Whether you’re a first-time buyer or an existing homeowner looking for your next home, there may be other initiatives in the future to help you realize your homebuying plans.

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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Trending

Tarion announces finalists for Ontario’s best new home builders as chosen by their customers TARION WARRANTY CORP. has announced the finalists

for the 2016 Homeowners’ Choice Awards. These are the only awards that give Ontario’s new-home buyers the power to have their builder recognized for customer service excellence.

Formerly known as the Tarion Awards of Excellence, the Homeowners’ Choice Awards recognize a builder’s excellence in customer service each year in four categories: Small, Medium, Large Volume and Highrise.

The process for selecting finalists has not changed, only the name has changed to better reflect how the award recipients are chosen.

“These awards have always been about new home buyers in Ontario and their level of satisfaction with their individual builder,” says Tarion President and CEO Howard Bogach. “Changing the name to the Homeowners’ Choice Awards simply reflects the importance of the customer’s experience in the new home buying process, and how each and every home buyer can have a say in whether a new home builder receives recognition.”

Finalists were determined based on the results of a comprehensive survey sent to more than 56,000 Ontario homeowners who took possession of a new home between Oct. 1, 2014 and Sept. 30, 2015. Almost 12,000 completed survey responses were received, representing a high response rate of more than 21 per cent. The results were tabulated by Crunch Research and Nielsen.

Survey questions focused on homeowners’ satisfaction with their builder, covering every stage in the homeowner-builder relationship from the signing of the Agreement of Purchase and Sale, through construction and the pre-delivery period, to after-sales service.

According to Bogach, “This year marks Tarion’s 40th anniversary of protecting new-home buyers in Ontario.

Throughout the decades, we’ve witnessed home buyers having an increased impact on the new-home buying experience based on the decisions they make. The Homeowners’ Choice Awards reflects the importance of their opinions, and champions excellence in customer service.”

To qualify for the Awards, builders must have at least five new home possessions during the survey timeframe and a specified number of completed questionnaires must have been received.

Award recipients will be announced at a luncheon in Toronto on Thursday, April 28, 2016.

The following new home builders compete in four award categories: Small, Medium, Large Volume and Highrise.

Highrise Category

(More than 100 highrise possessions per year) The Daniels Corporation – Toronto Del Ridge Homes – Markham Domicile – Ottawa Plaza – Toronto The Tricar Group – London Tridel – Toronto

Large Volume Category (More than 100 possessions per year)

Arista Homes Ltd. – Vaughan The Daniels Corporation – Toronto Granite Homes – Guelph Mountainview Homes – Thorold Tamarack Development Corp. – Ottawa Tribute Communities – Pickering

Medium Volume Category (21-100 possessions per year)

J .F. Markell Homes Ltd. – Cornwall Klemencic Homes – Trenton LEMAY Homes - Maisons LEMAY – Gloucester Mikmada Homes Inc. – Burlington SACA Homes – Casselman Wrighthaven Homes Limited – Elora

Small Volume Category (5-20 possessions per year)

Beisel Contracting Inc. – Kincardine Bouma Builders Inc. – Chatham Kolody Homes – Tecumseh Marlo Homes Inc. – London Menard Bros. & Associates Ltd. – Cornwall Terry Waito Homes Inc. – Petawawa

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Haven is just around the corner Whether you’re looking to buy now, or later this year, Rosehaven has a home for you.

CURRENT COMMUNITIES NEIGHBOURHOODS OF MOUNT PLEASANT - BRAMPTON Something for everyone! Singles & Freehold Towns from the high 400’s Urban Towndominiums from the low $300’s

RANDALL RESIDENCES OAKVILLE Oakville’s landmark luxury Condominium. Only a few remain starting from $2.0M. COMING IN 2016

ON THE RIDGE - STONEY CREEK Introducing Freehold Towns in Stoney Creek Register at LiveOnTheRidge.ca TIFFANY HILL - ANCASTER Phase 2 Luxury Singles & New Freehold Towns coming to Ancaster Register at TiffanyHill.ca AFFINITY CONDOMINIUMS BURLINGTON Contemporary Condo Living is coming to Aldershot in Burlington, from the upper $200’s Register at AffinityCondo.com DREAMFIELDS - BRADFORD Another Phase coming to Bradford Register at DreamfieldsBradford.com Ordinary is for others. Separate yourself from the common, the oh-so-typical, the middle-of-the-road, the good-enough, the runof-the-mill. Seek haven from anything less than the exceptional.

This is where life is a step above. If you’ve ever wanted to own a Rosehaven home, this is the time to register.

ANCHOR WOODS HOLLAND LANDING 45’ & 38’ Singles and Semis coming to Holland Landing, just north of Newmarket Register at AnchorWoods.ca

Visit RosehavenHomes.com For directions, hours & community info. 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. 17

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luxury homes and condos to life

N FALL 2015 | GTA EDITIO

created exclusively to showcase luxury homes and condo developments, Luxury Living is the first premium magazine of its kind. discerning shoppers will enjoy browsing sophisticated design and editorial, and most importantly, the quality selection of premium, high rise and low rise developments in the GTA.

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LUX HIGH-END LIVING: THE CONDO EVOLUTION

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Hwy. 407

QEW

Hwy. 403

Dundas St. E

SALES OFFICE 271 Dundas Street East, Oakville 905-844-1605

Winston Churchill Blvd.

$200’s

Trafalgar Rd.

Condominium Residences 470 - 1,255 sq. ft. from

SHARON VILLAGE, SHARON New release of townhomes and singles just 5 minutes north of Newmarket Mount Albert Rd. Woodbine Ave.

Hwy. 404

SALES OFFICE 18578 Leslie Street, East Gwillimbury (905) 478-7362

Leslie St.

$600’s

Concession Rd. 2

Townhomes and 32 Ft. Detached 1,620 - 2,250 sq. ft. from

Green Lane

Davis Drive

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

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Advice | CONDO PRO

Double-digit price growth expected in Toronto’s new-home market

By Ben Myers

MORE ADVICE ONLINE ypnexthome.ca/news/advice

FORECASTS FOR the residential real

estate market in the Toronto Census Metropolitan Area (CMA) and the Greater Toronto Area (GTA) look very robust for 2016. I summarized many of the key findings in my latest Market Manuscript report, a housing document published bi-annually by Fortress Real Developments that looks at hot button housing issues in Canada. The report also summarizes the success of housing forecasts from 2015 at a metro level, and what the real estate experts are predicting this year.

In 2015, the Canadian Mortgage and Housing Corp. (CMHC) forecast called for lowrise new home prices in the Toronto CMA to increase by 3.6 per cent annually. In reality, new singledetached and semi-detached house prices jumped 13.9 per cent year-overyear, according to CMHC numbers, while RealNet Canada Inc. indicated that asking prices for new lowrise homes overall increased by 17.6 per cent in 2015. I doubt very much that CMHC would publish a forecast calling for 15 per cent new home price growth, even if it thought it would occur. The government agency might get called out for enticing speculative investors, and would likely choose to publish a more conservative assessment of the market.

CMHC looks to be conservative again in 2016, calling for 4.6 per cent price growth in the new home market. When making my forecast, I took into consideration that unsold supply in the lowrise new housing

market is near 20-year lows. My forecast for new lowrise house prices in the Toronto CMA is for a 12.5 per cent annual gain. Extremely low supply coupled with high demand is why I expect even higher prices.

The typical response is, “of course you’re going to predict high house prices, you’re in the development business!” This is why I produce the Market Manuscript on behalf of Fortress, I put my forecasts up against the independent third-party research firms and other highly trusted sources of housing analysis. I had the closest forecasts for housing starts, new home pricing, and resale pricing in 2015, topping industry stalwarts such as CMHC, The Altus Group, The Conference Board of Canada, Will Dunning Inc. and TD Economics.

The key to making successful forecasts is to understand the factors influencing supply and demand, and what sources of data and analysis to trust. Ryerson University’s Centre for Urban Research and Land Development has stated that there are shortages of serviced lots for lowrise housing in major suburban municipalities. The university has no skin the game here; it is the ultimate

unbiased source. This supply problem is not one that gets solved in a year, and it may be a problem that never gets solved.

There are a lot of factors that are driving up housing demand, such as population growth and employment, the Toronto CMA added 75,000 new people and a whopping 137,000 new jobs last year. Toronto will only continue to be a top destination of affluent immigrants, and highly recruited university graduates, putting greater pressure on singledetached, semi-detached and townhouse pricing.

To learn more about other factors influencing the supply and demand imbalances in Toronto and Canada, download my latest Market Manuscript housing report from fortressrealdevelopments.com, and make sure your decision to buy a home in 2016 is an informed one.

Fortress Real Developments partners with builders across Canada, and Ben assists in evaluating the market and projects that Fortress engages in.

Follow his blog posts and commentary on the Canadian housing market at fortressrealdevelopments.com/news or follow him on Twitter @BenMyers29.

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PICKERING

.

Main Street Seaton Brownstone Townhomes.

design is everything.

Sales Centre located at 2725 Brock Road From the $280’s 289 545 0022

BOWMANVILLE

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Beacon Hill

Detached family sized homes, bungalows and town homes.

Sales Centre located at 300 Mearns Avenue From the $300’s 905 674 6166

MOUNT ALBERT

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Victoria Highlands

Detached homes on 33’ and 40’s lots.

Quick move-in’s.

Sales Centre located at 19103 Hwy #48 From the low $600’s

2 DESIGNER MODEL HOMES 416 924 0110

KLEINBURG

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Averton Common

Luxury condominium villas.

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Bunglow and town homes. Quick move-in’s.

Sales Centre located at 120 John Street West.

From the mid $600’s 905 378 2500

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The Estates At Riverbend

Detached bungalows and 2 story homes on lots up to 70’. Riverside living at its best.

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Prices and specifications are subject to change without notice. E. & O.E. Rendering’s are artist’s concept. *Limited time only, some conditions apply, see sales representative for details.

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3/9/16 12:47 PM 2016-03-29 2:12 PM

Advice | MORTGAGE ADVICE

Is the lowest rate always best?

By Alyssa Richard

WHILE AT RATEHUB.CA we’re in the

business of comparing mortgage rates, we know there’s more to consider than simply how the interest rate will affect your mortgage payment. Throughout the year, big banks and even smaller lenders will offer incredible promotional rates to bring in new clients, but many of those offers come with serious restrictions and penalties.

Before you jump at the chance to snag the lowest rate, read the fine print in your agreement to see if your new mortgage product comes with any of the following:

Low prepayment privileges Most products give mortgage holders the option to increase their monthly mortgage payment amount once per year and/ or make lump-sum payments throughout the year. While many lenders offer 20 per cent/20 per cent prepayment privileges (meaning you could increase your payment by 20 per cent each year and/or make a lumpsum payment of 20 per cent of your original mortgage), some promotional rates only offer 10 per cent/10 per cent. If your goal is to become mortgage debtfree fast, this may not be the right product for you.

Collateral charge If the lowest rate ends up being for a collateral mortgage, you’ll want to carefully consider how taking one on could affect your finances in the future. Collateral mortgages are readvanceable mortgage products that allow you to borrow money from your home at anytime, without having to refinance (and pay the legal fees to do so). Sounds great, right?

Unfortunately, they also lock you into staying with that particular lender, even when your mortgage comes up for renewal. To get out of a collateral mortgage, you would need to hire a real estate lawyer (and pay legal fees).

Of course, if your mortgage product comes with the lowest rate on the market and has few restrictions, you should jump at the chance to get it! But if you have any concerns about what’s included in the mortgage agreement, don’t be scared to shop around and find the right mortgage for you — even if it doesn’t come with the absolute lowest rate.

Closed mortgage While most mortgages in Canada are closed, some mortgage products’ restrictions are tougher than others. For example, the 1.99 per cent fixed-rate mortgage product one lender offered recently didn’t allow borrowers to prepay, negotiate or refinance their mortgage throughout the three-year term.

The only way to break your mortgage in that agreement was to sell your home. Again, if you are someone who wants to pay down your mortgage debt fast or may need to borrow from your home in the future, this may not be the best product for you.

MORE ADVICE ONLINE ypnexthome.ca/news/advice 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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2016-03-24 7:03 PM

Property Profile | FIELDGATE HOMES

Hudson Elevation ‘A’ offers a five-bedroom plan and great entertainment areas on the ground floor.

A new collection of 38- and 41-ft. homes now released near Queen Street West and Chinguacousy Road at Valleylands

Valleylands Location

WHEN DRIVING ALONG Chinguacousy

West Brampton

Road in southwest Brampton, one gets the feeling that they’re in the midst of a very special community.

It’s a place where the valleys of the Credit River offer a breathtaking outdoor playground of lush green parkland. It’s in the heart of this exquisite neighbourhood that Fieldgate Homes has created one of Brampton’s finest family communities, Valleylands of the Credit River.

A new collection of 38- and 41-ft. detached homes has been released, located near Queen Street West and Chinguacousy Road. Also, there

Builder

Fieldgate Homes Development

Valleylands Home Type

38-ft. singles from the low $700’s, 41-ft. from the mid$700’s, and 50-ft. singles from the low $800’s Sales Centre

8676 Chinguacousy Rd. Contact

905.457.0445 fieldgatehomes.com

are 50-ft. inventory homes, some with closings available in as little as 30 days at Valleylands. For those looking to move in soon, Valleylands’ current inventory homes run from 2,944 to 3,470 sq. ft., have four and five bedrooms and start from the low $800’s. It’s never been easier to come home to Valleylands!

The 3,470-sq.-ft., two-garage, five-bedroom Hudson Elevation A is an exceptional family home that boasts a wide array of impressive features and finishes. The front of the home offers a breathtaking elevation of stone and brick that …continued on page 26

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…continued from page 24

Ground floor Plan Elevation ‘A’

Second floor Plan 5 bedroom Elevation ‘A’

features a covered front porch as well as a covered second floor balcony. The interior of the home is both stunning and spacious, with the main floor offering a gourmet kitchen, a large living room, a family room with gas fireplace and more. Upstairs, the master suite includes features such as his and hers walk-in closets, a soaker tub and a separate shower. The remaining bedrooms offer an abundance of space for the whole family. The second and third bedrooms share an ensuite bathroom, as do the fourth and the fifth. There’s also a conveniently located upstairs laundry room that’s sure to make life easier. Those looking for even more room have the option of adding a guest bedroom with a full bathroom on the main floor.

Priced from the upper $800’s, the Hudson delivers luxury family living at its finest.

For most families, school is a top priority, so it’s nice to know that Valleylands is ideally situated to take advantage of many of Brampton’s wonderful educational facilities.

Churchville Elementary School – a new elementary school serving grades K-8 – is now open right in the Valleylands community, and Queen Street elementary school and Brampton Centennial Secondary School are both close by. There are also a number of other fine public and Catholic primary and secondary schools within a short distance.

In addition to excellent proximity to schools, Valleylands is also in a great location to take advantage of a whole host of other lifestyle amenities. The Heartland Town Centre is only five minutes away, offering major retailers such as Best Buy, Home Depot and Costco. Nearby Erin Mills Town Centre, Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restaurants. For those in search of live entertainment, there’s the Rose Theatre, offering a year-round calendar of musical and theatrical performances.

Golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance, and the commute to Toronto is a breeze with Hwys. 401 and 407 just minutes away.

For more information, call the sales centre at 905.457.0445 or visit fieldgatehomes.com

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APRIL 2 - 16, 2016 | NEW HOME GUIDE 27

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Property Profile | MADISON HOMES

cover story

MADISON HOMES Creating enduring communities in the GTA FOR MORE THAN 55 YEARS, MADISON HOMES has been setting the standard for value, design and customer satisfaction with award winning residential projects across the GTA. Built on a foundation of integrity and innovation, Madison Homes creates quality homes in highly desirable areas firmly rooted in a sense of community.

Cornell Rouge – Markham Markham’s most successful master-planned community of Cornell Rouge, bounded by 16th Avenue to the north and Hwy. 7 to the south, located east of Cornell Centre Boulevard, is nestled next to the natural splendor of the Rouge Valley, one of North America’s largest urban parks.

In the current phase, there are freehold townhomes ranging from 1,881 to 2,334 sq. ft., starting in the mid$700’s, and single detached homes priced from the mid-

$900’s to $1.3 million. Visit four professionally decorated model homes located next to the sales centre at 655 Cornell Centre Blvd.

Briar Hill City Towns – Toronto Named one of the top townhome communities in 2015

by Toronto Star’s newinhomes.com and BlogTO, Briar Hill City Towns resonated with homebuyers seeking affordable urban living in a well-established midtown neighbourhood at Dufferin Street, just north of Eglinton Avenue. The area is well served by many transit options, major thoroughfares and a variety of convenient amenities including the Yorkdale Mall, one of Canada’s premier shopping destinations. Madison Homes offers modern two-storey townhomes featuring spacious, private rooftop terraces with city vistas, two-bedroom and two-bath

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layouts with sleek contemporary kitchen cabinets and stone/granite countertops, oak stairs throughout, stainless steel kitchen appliances, and nine-ft. ceilings, priced from the $500’s for 1,044 sq. ft.

Thornhill Ravines – Thornhill, Vaughan Set next to the McMillan Nature Preserve near Dufferin Street and Major Mackenzie Drive in the amenity-rich neighbourhood of Upper Thornhill, Madison Homes’ stately homes on 60-ft. cul-de-sac or ravine lots exude timeless style and character in this desirable Vaughan community. Elegant interiors feature gourmet kitchens, gracious formal living and dining areas, spacious four or five bedrooms, 10-ft. ceilings on the main floor and much more. Choose from the Diamond Leaf, Edenwood or Parkwood designs ranging in size from 3,925 to 4,837 sq. ft., starting from $2.1 million.

Future Communities in Vaughan and Pickering In the heart of Thornhill steps from the Schwartz/ Reisman Community Centre at Bathurst Street north of

Rutherford, Madison Homes will develop an enclave of two-storey contemporary townhomes. Whatever your family needs – educational, recreational, medical or spiritual – all can be found nearby. Designed to meet the lifestyles of modern families, these townhomes will impress with their stylish interior living spaces and functional floorplans.

Steps from Lake Ontario, along Liverpool Road in Pickering, Madison Homes is designing a new community of modern townhomes and detached singles. Conveniently close to the Pickering GO station and minutes away from Hwy. 401, this well-established neighbourhood offers many amenities, which include Pickering Town Centre, recreational facilities and schools.

A short stroll heading south will lead you to the water’s edge of Frenchman’s Bay and the numerous surrounding parks where the beauty of this natural setting will delight all your senses.

For information on sales office hours and locations, and to register for present and future communities, visit madisonhomes.ca today.

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Advice | MONEY MATTERS

The dreaded B-word

By Gail Vaz-Oxlade

MORE ADVICE ONLINE ypnexthome.ca/news/advice

TRYING TO GET through life without

a budget is like trying to drive a car with no steering wheel. You can lurch your way along, jamming on the breaks every time a threat looms, or you can put the pedal to the metal, but the whole time you’re careening down the road you’ll be worrying about what you’re going to hit. And if you’ve got any passengers, there will be some mess to clean up when you finally reach your destination.

Anyone I know who lives on a budget couldn’t get by without it.

And it seems it’s only the people who refuse to make a plan who end up bellyaching about getting to the end of the money before they get to the end of the month.

If you were building a house, you wouldn’t dream of using an architect who declared, “Relax. I’ve done this before. I promise I’ll put everything in the right place.” No. You’d insist on seeing some drawings. And here’s why you should, as the architect of your financial house, draw up a budget.

Whether paper-based or electronic, the discipline of managing your budget will help to keep you organized. Annual bills, like car insurance, won’t surprise you, sending shock waves through your cash flow.

And unexpected expenses, which have a category in a spending plan, won’t throw you for a loop.

A spending plan is made up of two parts: income and expenses.

Income is the money that comes in: your salary, commission, dividends or interest income, alimony, child support,

“If the mere mention of the word ‘budget’ makes you groan, maybe you haven’t given this old idea a fair shake.” pension, or disability income. It doesn’t include money you think you might get. So, if your bonus is not guaranteed, don’t include it in your budget. Keep it in reserve to boost your RRSP or take you to the sunshine next winter.

Expenses are the items you have to pay for monthly. (Divide annual bills, such as insurance, by 12 to come up with a monthly amount.)

The best way to figure out your expenses is to look at what you’ve been spending. Collect your bank statements, credit card bills, and whatever other records you have of where your money went over the past year. Put each bill in an appropriate category — such as utilities, food, clothing, childcare, gifts — total the figures for each category and divide by 12. That’s your monthly average.

Add the categories together. That’s

what you’ve been spending.

Now, for all you toads out there who can’t gather together two months’ worth of paperwork, never mind a year’s worth, here’s the other way to make a budget: You can use the nifty Gail’s Guide to Building a Budget along with the even niftier Gail’s Interactive Budget Worksheet (gailvazoxlade.com).

If you think you can keep flying by the seat of your pants forever, good luck with that.

If you’ve decided to take control of your financial future, congratulations.

Create a budget that balances and you’ve taken the first step to making your money work for you.

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

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coming next to stouffville!

Ten years and more than 800 families after it all began, Geranium Homes invites you to be part of the final phase of Stouffville’s multi-award winning Cardinal Point community.

Introducing VISTA — a new way of living in Stouffville.

Located steps from a natural ravine with miles of trails, these exciting new condominium 1-storey flats and 2-storey towns combine innovative design and exceptional finishes, with wonderful views and a location surrounded by nature!

VISTA flats and towns.

Enjoy a new point of view.

incredibly priced from the high

$300’S

register now! vistaflatsandtowns.com

BILD 2014 P2G COMMUNITY OF THE YEAR BILD 2012 HOME BUILDER OF THE YEAR Prices and specifications are subject to change without notice. Brokers protected. E.&O.E. April 2016.

033-Geranium-Cardinal 04-02-16.indd 33

CHBA 2011 GRAND SAM AWARD WINNER

2016-03-29 2:12 PM

Property Profile | MATTAMY HOMES

Contemporary condo living at Mattamy Homes’ The Condominiums of Cornell NEW TO THE WELL-ESTABLISHED

community of Cornell in Markham, Mattamy has just introduced an exciting collection of modern living options.

Now open, you can explore The Condominiums of Cornell. These highly desirable condo designs offer Mattamy’s signature thoughtful design within a robust family friendly

community. These spacious, well appointed suites are a wonderful addition to this inviting neighbourhood.

The neighbourhood amenities are well established and include an abundance of convenient shopping and services right in the community.

Established schools and parks can be found right outside your door. The

charm of Markham is alive with quaint downtown shops, fine dining and an abundance of entertainment choices. A new state-of-the-art recreation facility and the world renowned MarkhamStouffville Hospital are mere minutes from Mattamy’s Cornell community.

Mattamy has just unveiled its new lowrise building in its lauded Cornell

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Location

Markham Builder

Mattamy Homes Development

The Condominiums of Cornell Home Type

Lowrise condominium Sales Centre

3150 Bur Oak Ave., open Monday to Thursday 1 to 8 p.m., Friday 1 to 6 p.m., Saturday, Sunday and holidays 11 a.m. to 6 p.m.

Model suite hours Monday to Thursday 1 to 7:30 p.m., Friday 1 to 5:30 p.m., Saturday, Sunday and holidays 11 a.m. to 5:30 p.m.

Contact

mattamyhomes.com

MORE PHOTOS ONLINE ypnexthome.ca/mattamy-condos-cornell

community. Here you will find an inspiring variety of floorplans ensuring that homeowners can select just the right suite to accommodate their lifestyle needs. The Condominiums of Cornell also balance affordability with the luxuries of modern living.

Innovation is part of the story as Mattamy has introduced ingenious, retractable solarium-style window balcony enclosures. Further enhancing the flexibility of choice, this European engineered system allows a homeowner to adapt their home’s usage to need, in any season.

Of course, luxurious standard features abound. Such as Mattamy’s signature oversized windows that usher loads of natural light into wide; bright rooms; nine-ft. ceilings contribute to the open feeling; upscale kitchens feature granite countertops and breakfast bars; plus sophisticated stainless steel appliances. And linen closets, a rare luxury in modern design, are thoughtfully included. Building facilities also include a fitness centre, outdoor barbecue area and entertainment room. Mattamy has a stunning model suite open to tour at the Cornell Sales Centre.

Come see first hand the fresh, contemporary design in Mattamy’s new Condominiums of Cornell.

Condos are starting in the very enticing $270’s.

Mattamy Homes is BILD’s six-time GTA Builder of the Year Mattamy was recently named the GTA Builder of the Year Award

for an unprecedented sixth time by the Building Industry and Land Development Association (BILD).

Mattamy is particularly proud of this award as it’s based on comments from current Mattamy Homeowners.

And the company remains adamant in its belief that nothing is better than a satisfied homeowner. Its intelligent and innovative approach to modern living will surely become a modern standard. We recommend you soon see for yourself how elegant living can be had today.

For more information, visit mattamyhomes.com. Presentation centre is located at 3150 Bur Oak Ave., Markham, and is open Monday to Thursday 1 to 8 p.m.; Friday 1 to 6 p.m.; Saturday, Sunday and holidays 11 a.m. to 6 p.m.

Model suite hours are Monday to Thursday 1 to 7:30 p.m.; Friday 1 to 5:30 p.m.; Saturday, Sunday and holidays 11 a.m. to 5:30 p.m.

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Inspiration | OUTDOOR LIVING

Garage organization

By Carson Arthur

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

HAVING A GARAGE IS WORTH a lot

of money. So why do almost 70 per cent of homeowners admit that their garage is too full of clutter to even hold their car? It’s time to take back all that great usable space.

Here are my five steps to helping you create a space that is more than just a spot to put the garden tools.

is key to visually maximizing your garage, but no one wants to see a floor covered in stains from the car or the lawnmower. Choose paint or a tile designed specifically for floors so that it will last. When picking a colour, go with something that will hide any future stains and marks. I personally like a charcoal grey because it not only hides the scuffs from everyday use, it also hides dust and dirt that blows in when the garage door is left open.

1. Get everything off the ground. The

size of your garage is very important when realizing its true value. If your garage looks big, it’s worth more!

Being able to see the entire floor makes a room more spacious. Utilize racks and wall storage systems like the Gladiator GearTrack to get awkward items like bicycles, rakes and shovels up and out of the way.

3. Hide the sports gear. Too often the garage becomes the home of bulky sports gear like hockey bags or golf clubs. These awkward bags are always getting in the way or falling over. Look for a storage unit on wheels to hide all of the uncooperative items behind closed doors. That way everything has a place and is contained.

2. Paint the floor or add Tiles. Seeing as much of the floor as possible

4. Add light. The biggest downfall

of most garages is the lack of light.

While saving wall space for storage instead of windows is a great idea, it’s very important to add light fixtures to ensure that your garage is bright. A well-lit garage is important for safety as well. Being able to see any possible hazards is very important to ensuring everyone’s safety.

5. Customize to meet your family’s needs. Like a backyard, every

homeowner uses their garage differently. Having the ability to customize your storage solutions is key to making any space meet your needs. Choose a garage storage system that allows you to build and customize based on your available areas just like you would a kitchen; adding shelves, racks and storage exactly where you need it. Also consider choosing a system that allows you to grow. Being able to add on or make changes will give you flexibility in the long term.

Carson Arthur is an international landscape designer with a focus on environmentally-friendly design. He is HGTV’s Critical Listing landscape guru and appears regularly on TV, writes for various publications about outdoor design and is the author of the sold-out book Garden Designs for Outdoor Living. Visit carsonarthur.com.

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From signature exterior finishes made standard to floorplans designed with your lifestyle in mind, the Dunpar Advantage is your vantage point for betterdesigned life. Our promise to create exceptional exterior appeal is your lifestyle advantage. Enjoy thousands of dollars in upgrades included in your townhome and experience the Dunpar difference.

As the GTA’s luxury townhome builder for over thirty years, Dunpar Homes gives you the advantage of enjoying a custom-built experience in some of the most sought-after areas

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2016-03-29 2:12 PM

Trending

March Madness Canadian Real Estate Edition. Who wins?

By Sonia Bell and Wayne Karl

WHO’S READY FOR SOME MARCH MADNESS, CANADIAN REAL ESTATE EDITION?

The madness in Canadian real estate hit a new peak this March when the Canadian Real Estate Association (CREA) released its stats for February

1st ROUND: Chilliwack, BC (12%) vs. Fraser Valley, BC (19%) Vancouver Island, BC (8%) vs. Powell River, BC (12%) Victoria, BC (8%) vs. Vancouver (24%) South Okanagan, BC (8%) vs. Okanagan-Mainline, BC (8%) BC Northern (13%) vs. Northern Lights, BC (9%) Kamloops, BC (4%) vs. Grande Prairie, Alta. (20%) Alberta West, Alta. (11%) vs. Edmonton (11%) Calgary (10%) vs. Lethbridge, Alta. (6%) Central Alberta (13%) vs. South Central Alberta (7%) Lloydminster, Alta. (19%) vs. Lloydminster, Sask. (27%) Medicine Hat, Alta. (9%) vs. Swift Current, Sask.(18%) Moose Jaw, Sask. (11%) vs. Regina (3%) Saskatoon (7%) Battleford, Sask. (15%) Southeast Saskatchewan (8%) vs. Yorkton, Sask. (11%) Brandon, Man. (9%) vs. Portage La Prairie, Man. (3%) Winnipeg (9%) vs. Thompson, Man. (9%)

— noting that the national average price exceeded $500,000 for the first time. In February, the average price jumped 16.4 per cent year-over-year to $503,057.

So, in the spirit of the NCAA March Madness basketball tournament, which wraps up April 4, New Home Guide put together our own bracket of championship housing markets across Canada.

We paired the top proximate markets across the country, using official CREA

2nd ROUND:

3rd ROUND:

4th ROUND:

5th ROUND:

Fraser Valley, BC (19%) vs. Powell River, BC (12%) Fraser Valley, BC (19%) vs. Vancouver (24%) Vancouver (24%) vs. South Okanagan, BC (8%) Vancouver (24%) vs. Grand Prairie (20%) BC Northern (13%) vs. Grand Prairie, Alta. (20%)

WEST CHAMPION: LLOYDMINSTER, SASK.

Grand Prairie, Alta (20%) vs. Edmonton (11%)

(27%)

Edmonton (11%) vs. Calgary (10%) Vancouver (24%) vs. Lloydminster, Sask. (27%) Central Alberta (13%) vs. Lloydminster, Sask. (27%) Lloydminster, Sask. (27%) vs. Swift Current, Sask. (18%) Swift Current, Sask. (18%) vs. Moose Jaw, Sask. (11%) Lloydminster, Sask. (27%) vs. Battleford, Sask. (15%) Battleford, Sask. (15%) vs. Yorkton, Sask. (11%) Battleford, Sask. (15%) vs. Winnipeg (9%) Brandon, Man. (9%) vs. Winnipeg (9%)

Percentages are average price growth 2012-16 (CREA)

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MARCH MADNESS

average price growth as the deciding factor. We chose a four-year window, from 2012 to end of 2015, to provide longer-term, bigger picture context of market performance.

It’s East versus West, as city market takes on city market to determine the eventual Canadian slam-dunk champion.

Spoiler alert: it’s not Toronto or Vancouver.

WHY DID WE USE A FOUR-YEAR WINDOW? Because we thought it would provide a more accurate picture of a real estate market over the long term. There’s no secret, for example, that areas such as Calgary and Edmonton are getting hammered due to the prolonged slump in oil prices.

In Calgary, for example, home prices declined by 3.5 per cent in February on a year-over-year basis. Ouch. But looking at it over the last four years, the average price has actually risen 10 per cent. Not bad, eh?

5th ROUND:

4th ROUND:

3rd ROUND:

2nd ROUND:

1st ROUND: Durham Region, Ont. (32%) vs. York Region, Ont. (31%)

Durham Region, Ont. (32%) vs. Toronto (25%)

Toronto (25%) vs.

Mississauga, Ont. (19%)

Durham Region, Ont. (32%) vs. Hamilton-Burlington, Ont. (23%) Hamilton-Burlington, Ont. (23%) vs. Niagara Falls-Fort Erie, Ont. (19%) Durham Region, Ont. (32%) vs. Guelph, Ont. (16%)

EAST CHAMPION: DURHAM REGION, ONT. (32%)

Kitchener-Waterloo, Ont. (12%) vs. Guelph, Ont. (16%) Guelph, Ont. (16%) vs.

Tillsonburg, Ont. (16%)

Southern Georgian Bay (West), Ont. (16%) vs. Simcoe, Ont. (19%)

— National Champion —

Barrie, Ont. (25%) vs. Northumberland Hills, Ont. (21%) Yarmouth, NS (17%) vs.

Thunder Bay, Ont. (18%)

DURHAM REGION, ONT. (32%)

Thunder Bay, Ont. (18%) vs. Northumberland Hills, Ont. (21%) Windsor-Essex, Ont. (14%) vs. Northumberland Hills, Ont. (21%)

Kitchener-Waterloo, Ont. (12%) vs. London-St. Thomas, Ont. (10%) Guelph, Ont. (16%) vs. Cambridge, Ont. (14%)

Woodstock-Ingersoll, Ont. (11%) vs. Tillsonburg, Ont. (16%)

Durham Region, Ont. (32%) vs. Northumberland Hills, Ont. (21%)

Orangeville, Ont. (14%) vs. Barrie, Ont. (25%)

Niagara Falls-Ft. Erie, Ont. (19%) vs. St. Catharines, Ont. (16%)

Peterborough-The Kawarthas, Ont. (12%) vs. Kawartha Lakes, Ont. (15%)

Kawartha Lakes, Ont. (15%) vs. Tillsonburg, Ont. (16%)

Simcoe, Ont. (19%) vs. Barrie, Ont. (25%)

Hamilton-Burlington Ont. (23%) vs. Oakville-Milton, Ont. (21%)

Southern Georgian Bay (East), Ont. (12%) vs. Southern Georgian Bay (West), Ont. (16%) Simcoe, Ont. (19%) vs. Brantford, Ont. (19%) Orangeville, Ont. (14%) vs. Huron Perth, Ont. (11%) Barrie, Ont. (25%) vs. Orillia, Ont. (13%) Yarmouth, NS (17%) vs. Quinte, Ont. (10%) Thunder Bay, Ont. (18%) vs. Grey Bruce Owen Sound (12%) Sarnia-Lambton, Ont. (10%) vs. Windsor-Essex, Ont. (14%) Northumberland Hills, Ont. (21%) vs. Welland, Ont. (17%)

APRIL 2 - 16, 2016 | NEW HOME GUIDE 39

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REAL ESTATE IS LOCAL Forget that CREA says the national average price exceeded $500,000 — climbing to $503,057 – for the first time. Sure, it makes for interesting headlines and provides some context on a national basis.

But as Toronto-based mortgage expert Calum Ross says: “Saying there is a Canadian housing market is no less ridiculous than saying there is ‘Canadian temperature.’”

Or that traffic at one end of the country is the same at the other.

“Canada represents one of single largest countries in the world and going from coast to coast, Canada is home to a very diverse group of people with local economics that are vastly different,” he says.

Real estate is local, not national. You don’t buy the Canadian market, or even a provincial or regional one. You buy one home in one location.

If you’re buying a home in Chilliwack, BC, where the average price is $336,000, or Yarmouth, NS, where the average price is $125,066 — what do you care what the national average price is?

The fact is, the national average price is heavily skewed by Vancouver and Toronto, as Canada’s most active and expensive housing markets. If these two are excluded from calculations, CREA says, the average is a more modest $355,235, and the year-over-year gain is just 8.7 per cent.

HOW DID WE SELECT WHICH MARKETS FACE WHICH MARKETS? How did we “seed” the markets, using March Madness parlance? Initially, geography.

Since real estate is local, market performance is most influenced by the economic fundamentals on a provincial, regional and municipal basis. For example, Guelph would naturally take on Cambridge, since these two markets are barely 23 kilometres apart, and therefore are subject to similar challenges and opportunities in that area.

While geography was the key determining factor for which cities face off in the first

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round, we had to make a handful of exceptions. For example, the 32 city markets in the first round for eastern Canada were all located in Ontario, with the exception of one maritime city, Yarmouth, NS. To help compensate for the large geographical distance, we paired Yarmouth with one of the Ontario cities located farthest east. And while this still doesn’t necessarily make them fair opponents, it wouldn’t be March Madness without a little controversy.

As certain cities failed to make it past the first round, proximity became less prevalent, and opposing cities advanced to the next round based on which market had a higher increase in home price growth over the last four years.

AND FINALLY...

Apologies to Quebec. CREA doesn’t collect the same detailed data on this market.

THE ‘SWEET 16’ Canada’s top performing real estate markets by price growth* Market

2012

2015

% increase

1. Durham Region, Ont.

$333,201

$439,842

32

2. York Region, Ont.

$589,435

$769,942

31

3. Lloydminster, Sask.

$226,802

$288,236

27

4. Toronto

$498,973

$622,046

25

5. Barrie, Ont.

$299,685

$373,203

25

6. Vancouver

$730,063

$902,801

24

7. Hamilton-Burlington, Ont.

$360,059

$442,493

23

8. Oakville-Milton, Ont.

$565,088

$685,486

21

9. Northumberland Hills, Ont.

$247,089

$299,634

21 20

10. Grande Prairie, Alta.

$266,220

$318,798

11. Brantford, Ont.

$245,436

$293,059

19

12. Fraser Valley, BC

$483,730

$577,507

19 19

13. Mississauga, Ont.

$459,035

$546,296

14. Niagara Falls-Fort Erie, Ont.

$212,993

$253,362

19

15. Lloydminster, Alta.

$271,604

$322,991

19

16. Simcoe, Ont.

$217,973

$258,933

19

*Percentage increase from 2012 to end of 2015 SOURCE: CANADIAN REAL ESTATE ASSOCIATION

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Advice | LEGALLY SPEAKING

Getting your house in order

By Jayson Schwarz

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WHETHER YOU’RE purchasing a

home for the first time, are a seasoned buyer moving in the market or purchasing a retirement condominium, the very action of this significant investment in real estate represents a major life change.

There are a number of issues that you should consider in order to ensure that your house is in order.

1. How will I hold the title?

If more than one person is buying the property, it is necessary to decide how they will share the title.

There are two ways people can hold title together. The first is generally the way we hold title with our spouses or children, which is called “joint tenancy.” This means that upon the death of one of the parties, the remaining party automatically becomes the owner of the whole property without having to inherit it or having it pass through an estate. The reason is simply that all owners on title own the whole property rather than a part each.

The other way title can be held is as “tenants in common.” Here each party only owns the percentage allocated to them, although the physical part owned is not described. Upon the death of a tenant in common, his or her percentage of the ownership goes to their heirs in accordance with their will or law. Therefore, remember to discuss this issue when you go see your lawyer.

2. What about a will?

If you have a will, is it up to date and does it represent your current situation

“You will need insurance for the house. This is a great time to look at life and disability insurance, and determine if you should be insuring your mortgage in case something happens to the major wage earner.” or state of affairs? It is important, especially if you have young children, to have your wills completed; not so much for the money, but for a clear resolution of the issue of custody if something happens to both parents. A will stops sibling disputes, takes care of who will look after children, keeps the government out of your affairs, allows for an orderly disposition of your assets, and will allow you to determine how you are to be buried.

A power of attorney is used when you are physically or mentally incapacitated — there are two kinds. The first is for your body (what care you will or will not receive). Your representative will determine that. The other is for the

management of your financial affairs.

Now is the time to create a will.

Speak to your lawyer and ensure that this important matter is dealt with.

3. What about insurance?

You will need insurance for the house.

This is a great time to look at life and disability insurance, and determine if you should be insuring your mortgage in case something happens to the major wage earner.

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

PM Justin Trudeau’s Budget 2016 R

By Wayne Karl

Economy & job creation

Prime Minister Justin Trudeau unveiled Budget 2016 on March 22 – his inaugural budget - so New Home Guide took a closer look at it from the housing perspective.

Though perhaps not specifically related to housing, everything evolves around the economy and jobs. After all, a strong economy begets job and wage growth, which begets consumer confidence and the ability to rent or buy – to live.

What was promised: To get the economy growing again, Trudeau said we need to immediately invest in helping our businesses and entrepreneurs – including those in manufacturing – become more innovative, competitive and successful.

What was delivered: Something equally ambiguous.

Budget 2016 “puts people first,” directing billions toward helping the middle class and those less fortunate, with the idea that this will boost economic growth. The hope is that more than 100,000 jobs will be created and the economy will grow by an additional one per cent over existing predictions.

The government acknowledges that economic challenges persist in oil and commodities, and is extending Employment Insurance benefits in the hardest hit regions, such as Alberta and Saskatchewan.

strengthen our communities and grow our economy.

“Over the next decade, we will quadruple federal investment in public transit, investing almost $20 billion more in transit infrastructure.”

What was delivered: Phase 1 of the government’s infrastructure plan proposes to provide $11.9 billion over five years, beginning immediately: » $3.4 billion over three years to upgrade and improve public transit systems across Canada; » $5 billion over five years for investments in water, wastewater and green infrastructure projects across Canada; and » $3.4 billion over five years for social infrastructure, including affordable housing, early learning and child care, cultural and recreational infrastructure, and community health care facilities on reserve.

Home Buyers’ Plan (HBP) The plan as it stands now allows first-time buyers to withdraw up to $25,000 from their RRSP to put toward a down payment on a home.

They have up to 15 years to repay the funds.

Leading up to the budget, speculation was that where would be less than what was promised during last fall’s election campaign, and the focus would be on repairs instead of capital projects.

What was promised: To modernize the existing HBP to allow Canadians impacted by sudden and significant life changes to buy a house without tax penalty. Trudeau said this will ease the burden on Canadians facing job relocation, the death of a spouse, marital breakdown or a decision to accommodate an elderly family member.

What was promised: To invest in public transit to shorten commute times, cut air pollution,

What was delivered: Nothing. Any update or revision to the HBP is nowhere to be found in

Infrastructure spending

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6 Report Card Budget 2016. Through other measures, however, it is clear he’s keeping an eye on the housing market, which is increasingly important given economic and affordability challenges in some areas.

Rental/affordable housing What was promised: To encourage the construction of new rental housing by removing all GST on new capital investments in affordable rental housing. This will provide an estimated $125 million per year in tax incentives to grow and renovate the supply of rental housing.

What was delivered: Budget 2016 proposes to invest $2.3 billion over two years, starting in 2016-

17. Of this amount, $2.2 billion reflects the government’s commitment to invest in social infrastructure, including $739 million for First Nations, Inuit and northern housing. A significant portion of the $2.3 billion will be allocated to provinces and territories, which can identify communities where the need for affordable housing is greatest.

To encourage the construction of affordable rental housing, Budget 2016 proposes to invest $208.3 million over five years, starting in 2016-17, in an Affordable Rental Housing Innovation Fund administered by Canada Mortgage and Housing Corp. (CMHC). Funding would be used to test innovative business approaches – such as housing models with a mix of rental and homeownership – to lower the costs and risks of financing affordable rental housing projects.

Report Card New Home Guide grades the Prime Minister’s inaugural budget, from a housing perspective Economy and Job Creation B = Progressing well Infrastructure B- = Satisfactory Home Buyers Plan C = Needs improvement Rental/Affordable Housing B = Progressing Well Housing Policy B- = Satisfactory

SEE THE INFOGRAPHIC ONLINE ypnexthome.ca/budget-2016

The investment is expected to support the construction of up to 4,000 new affordable housing rental units over five years.

CMHC is also to consult with stakeholders on an Affordable Rental Housing Financing Initiative to provide low-cost loans to municipalities and housing developers to build new affordable rental housing projects. Up to $500 million in loans would be available each year for five years, supporting the construction of more than 10,000 new rental units over this period.

Housing policy What was promised: To direct CMHC and the new Canada Infrastructure Bank to provide financing to support the construction of new, affordable rental housing for middle and low income Canadians.

To review escalating home prices in high-priced markets such as Toronto and Vancouver, and consider policy tools that could keep homeownership within reach for more Canadians.

What was delivered: Budget 2016 proposes to address this data gap by allocating $500,000 to Statistics Canada in 2016-17 to gather data on Canadian housing purchases by foreign buyers. This initiative could involve collaboration with the provinces, such as BC, which recently announced its intention to have homebuyers disclose whether they are citizens or permanent residents of Canada or another country.

Also promised to consult with the provinces and territories, Indigenous and other communities, and key stakeholders in the coming year to develop a National Housing Strategy.

APRIL 2 - 16, 2016 | NEW HOME GUIDE 45

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Neighbourhood Profile

Maple

Planes, trains & automobiles Judging by the number of vehicles jammed into driveways you’d imagine no one walks or takes transit in Maple, but that’s not entirely the case. While easy access to the 400 (and all connected highways) makes this area attractive to commuters, within Maple it’s pretty easy to get around on foot, and unlike suburban developments elsewhere, all newer streets feature sidewalks.

Suburban paradise

By Anne Marshall

ypnexthome.ca/maple

MOUNTAIN,” this section of Vaughan

has become an appealing destination for those looking to enjoy all the perks of small-town life, within easy driving distance of The Big Smoke.

Just east of Highway 400, Maple stretches from Rutherford Road in the south to Teston Road in the north.

Lifestyle Maple is abuzz with excitement. This is a suburb, but definitely not a sleepy one. Active families on the go and a much younger population than much of the GTA make this a happy, noisy community in which every day has the potential to be a “grand day out.”

You can actually smell cotton candy and funnel cakes in the air!

Vibe Maple is late twentieth-century suburban paradise. The more

established area near Rutherford boasts perfect cookie-cutter brick houses and townhomes with peaked dormers. Further north, housing continues to expand far into the former farmland – it’ll be a while before these trees mature.

The houses get bigger, subdivision streets more byzantine, and new developments are sold out and filled up as fast as they can be built.

In the area With so many expensive recreational options nearby including Canada’s Wonderland theme park, one of the best features of Maple is its many greenspaces and parks. There are at least 25 of them offering free entertainment for the whole family (pets too!). The area is also home to two Montessori schools. Secondary students attend Maple High School or St. Joan of Arc Catholic High School.

Meet the neighbours It doesn’t get more family friendly than Maple, and that’s who you’ll mainly find living here. Few single professionals are drawn to Vaughan for reasons other than work; there’s not exactly a happening scene here. Ethnically Maple is very diverse, and at least 45 per cent of its population are immigrants to Canada, well above the provincial average.

Real estate While attractive shopping and entertainment options draw many visitors to Maple, one has to dig pretty deep to find any of the local and independent businesses that usually define a smaller community. Since most of the development of this area has occurred in the last twenty years, there aren’t a lot of mom-andpop places: this is chain store and franchise heaven.

Anne Marshall has lived in New York City, Glasgow (Scotland), Greensboro (NC), Toronto, and somehow ended up back in the fabulous small city of Guelph, where she grew up. She loves nothing more than exploring new areas, peering into other people’s apartments, houses and yards.

IN

» »

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S

The good, the bad & the rest In an in-demand neighbourhood such as this one, nothing comes cheap. While some parts of Maple are more reasonable, the presence of so many people and corporate interests means this is the kind of place where it seems to cost $20 just to walk out your front door. Expect to pay above average prices for just about everything except fast food.

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IN THE SHADOW OF “WONDER

c

2016-03-29 5:12 PM

APRIL 2 - 16, 2016

central north SHOWCASING NEW HOMES IN THE GTA’S CENTRAL & NORTH REGIONS

IN THIS SECTION

» MAPS AND LISTINGS FOR NEW-HOME COMMUNITIES IN THE CENTRAL AND NORTH REGION » BUILDER NEWS AND THE LATEST IN NEW HOMES IN THE CENTRAL AND NORTH REGION

APRIL 2 - 16, 2016 | NEW HOME GUIDE 47

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Trending

Blue sky is the limit when decorating with 2016’s top colour IT MAY BE CALLED BLUE, but when

it comes to decorating, this year’s hottest colour is upbeat. Think airy skies and misty oceans, cheerful shades of blue that emit a sense of serenity and calmness, according to paint brand DULUX Paints.

“While blue is known to be the most popular colour in the world, when it comes to home decor, many Canadians shy away from infusing it into their homes, opting for neutral colour schemes instead,” says Martin Tustin-Fuchs, brand manager for Dulux Paints.“Yet blue is a wonderful, versatile complement to any decor.”

Unsurprisingly, Dulux Paints has chosen blue — an ethereal blue called Bear Run (10BG 46/112) — as its colour of the year for 2016. Other popular blues by Dulux Paints are Blazer Blue (43BB 09/340), Teton Sky (10BB 49/137) and Blue Blood (47BB 14/349).

“Blue may not be the first paint colour you’d choose for your home, but next to neutrals, there’s no easier hue to work with than blue,” TustinFuchs said. “Anyone who has the opportunity to give blue a try on even one wall appreciates the peaceful, calming effect the colour emits.”

Want to make a splash in your home with this year’s hottest colour?

Dulux Paints offers these suggestions to incorporate blue into your decor: Warm things up. Combining blue walls with warm, paler colours — such as sandy brown, creamy grey or this year’s popular golden yellow — creates a cosy feel in a room. For a calming, monochromatic look, pair different shades of blue in a space — altering the tone on walls, trim, doors and even ceilings. Warm up blue walls even more and create an inviting beach house feel with wood flooring underfoot.

Pair with white. If traditional is your style, complement blue walls with white trim for a timeless decor. For

RIGHT

Known to stimulate the mind, encourage focus and help increase productivity, blue — such as Dulux Paints’ Bear Run (10BG 46/112) featured on the far wall — is a good choice for a home office.

LEFT

Soothing blue, such as Teton Sky (10BB 49/137) by Dulux Paints, shown on the wall and ceiling, creates a relaxing, spa-like feel in a bathroom when combined with offwhite, light grey or tan.

MORE TRENDING ONLINE ypnexthome.ca/news

a more modern look, paint walls white and make them pop with open bookcases revealing a painted backdrop of vibrant blue. Prefer a coastal feel? Complement a blue and white palette with striped fabrics and natural textures, such as grasscloth and jute. No matter what your style, add touches of blue accents around the room to bring it all together.

Make it work. Known to stimulate the mind, encourage focus and help increase productivity, blue is a good choice for a home office. Adding one or two other hues to the workspace will complete the look and create a sense of balance. Colours that complement Dulux Paints’ popular Bear Run (10BG 46/112) blue are Newborn (35YY 78/269) yellow and Coral Flower (21YR 57/250) orange.

To keep the space light and bright, opt for white or pale office furniture.

Soak it in. Soothing blue is a natural fit for a bathroom, regardless of the shade.

Combined with pastel accents of offwhite, light grey or tan — such as Dulux Paints’ Song Porcelain (00NN 83/000) white, Silver Trophy (30BB 53/012) grey or Brown Bag (10YY 35/196) tan — a blue bathroom can take on a relaxing, spa-like feel. For an ultimate spa effect, paint the ceiling an airy shade of light blue to mimic the sky and create the appearance of added height.

For more information about Dulux Paints’ 2016 colour of the year and to experiment with the brand’s 2016 colour palette using a range of virtual painting tools, visit dulux.ca

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Property Profile | THE BROWNSTONE GROUP OF COMPANIES

Heritage Towns on the Trail Authentic homes in the Junction Triangle IF YOU’RE LOOKING FOR a close-knit community within the big city, Heritage

Towns on the Trail is the perfect place for you to call home. Heritage Towns is the newest addition to the Junction Triangle from The Brownstone Group of Companies. Located at Perth and Ernest avenues, it will form an intimate community consisting of 79 traditional townhomes.

The homes’ planned architecture is reminiscent of the industrial history of the area – authentic with a neighbourhood feel. Once upon a time, this area of Toronto was a factory hub with businesses positioned along the railway lines.

Today, the area is an eclectic mix of beautiful homes and shops.

The Junction Triangle is home to eateries, bars and mom-and-pop shops, which is part of what makes the neighbourhood special. Enjoy tapas and a cold beer on a patio, exotic barbecue dishes or traditional fare from the old country all within walking distance. The area has plenty of shops that boast their own unique character. Nothing about this neighbourhood is ordinary.

Heritage Towns on the Trail is also ideally situated within the city of Toronto. Not only are there endless options of restaurants, coffee shops, markets and boutiques within the Junction Triangle, but proximity to transit means that you really are at the centre of everything. GO Transit, the Union Pearson Express and Dundas West subway station are all steps away. You can be downtown or at the airport in just minutes.

Cyclists, walkers and runners will appreciate how close the West Toronto Railpath is to their front door. It currently stretches from Cariboo to Sterling avenues and Dundas Street West, with plans to extend south to Liberty Village and to ultimately connect other west end neighbourhoods like Parkdale, Roncesvalles, High Park and Brockton.

The neighbourhood isn’t the only reason to love Heritage Towns on

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Location

Junction Triangle Builder

The Brownstone Group of Companies Development

Heritage Towns on the Trail Home Type

Traditional townhomes Sales Centre

1439 Bloor St. W., open Monday to Thursday 2 to 6 p.m.; Friday closed; Saturday and Sunday noon to 5 p.m.

Contact

heritagetowns.ca the Trail. The homes themselves will have rich brick exteriors and majestic windows, as well as periodstyle front door canopies and coach lighting. Each home will feature three bedrooms and an expansive private rooftop terrace – an oasis where you can entertain, have dinner or simply enjoy a cocktail. Each terrace also comes with a gas barbecue connection and water bib for your outdoor garden.

The homes’ standard finishes will include quartz countertops in the kitchen and bathrooms, integrated Jenn-Air kitchen appliances, eurostyle stainless steel sinks, hardwood flooring with nine-ft. ceilings and 10 pot lights on the main level.

The classic layout has the living/dining area, kitchen and powder room on the main level, with the master retreat and stackable washer/dryer and laundry tub on the second level. There are two additional bedrooms plus a four-piece bathroom on the third. The fourth level is an open area and exits onto the rooftop sundeck.

With more than 45 years of experience as one of Toronto’s leading real estate developers, The Brownstone Group of Companies is proud to have built more than 4,000 residential units in the GTA. Over the last 10 years, The Brownstone Group has helped to transform the Junction Triangle from industrial land to a vibrant community with their various projects. Heritage Towns on the Trail perfectly showcases the quality homes they are proud to build.

With more than 50 per cent of the homes already sold, potential residents will be happy to know Symington, Perth, Paton and Campbell units are still available… but won’t be for long. Homes range from 1,466 to 1,654 sq. ft., include one underground parking spot and locker, and start from the high $700’s.

For more information, visit the presentation centre at 1439 Bloor St. W., open Monday to Thursday 2 to 6 p.m.; Friday closed; Saturday and Sunday noon to 5 p.m. Register now at heritagetowns.ca APRIL 2 - 16, 2016 | NEW HOME GUIDE 51

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Trending

Need a little luck to find that perfect home?

By Elisa Krovblit WANT TO LIVE AT lucky number

seven? Would you ever live on the 13th floor? How superstitious are you, and how much would it affect your next home purchase? You might not think that finding the perfect home has much to do with luck and superstition, but for some, it’s on the list.

You have to do your research and check out the tangible factors, but it just so happens that the wrong number can stigmatize a property and hurt the price — or add value because of a luck factor.

Numerology plays highly in real estate superstition, because it’s so integral — street names, street numbers, floor numbers, suite numbers and even sale prices. Home pricing strategy, says Realtor Yan Gurevich, is affected by numerology and personal connections to lucky or unlucky numbers, and to personal and sometimes weird preferences. He notes that you’ll see numbers that add to a specific lucky number, or the inclusion of repeated numbers, like an 888 price point.

So what are the lucky — and not so lucky — numbers?

4 UNLUCKY

Tetraphobia. In Chinese it sounds like the word for death so 4, and any number with a digit of 4 is to be avoided: 40, 444, 441. Numerous buildings exclude the fourth floor.

You may find buildings like hotels, apartments and even hospitals without a fourth floor and even without a room number 4. In fact, Vancouver has had an increasing problem with developers wanting to omit the fourth floor, 14th floor and any other floor with the number 4 — even excluding suites with the number 4. According to Chief

Building Officer Pat Ryan, as reported in the Vancouver Sun November 2015, it was becoming a safety issue, and the city issued a bulletin to developers that removing floors for cultural or superstitious reasons would have to stop, citing that, for example, it could pose a danger to firefighters in case of emergency, who would not be able to rely on finding an actual floor by numerical sequence if random numbers were arbitrarily missing in some buildings.

7 LUCKY

Whether it’s the number of days it took the divine to create the world or the fact that 7 is a number that repeats itself in too many obvious

ways — 7 seas, 7 colours in the rainbow’s spectrum, 7 notes on the scale — it’s lucky and it’s worked out well for playoff games and James Bond (007) too. My house address is number 7, and without fail, everyone that has ever visited has remarked that my home is lucky. I can’t disagree — it’s been good to me.

8 LUCKY

An auspicious number in Chinese culture, 8 is considered to be the luckiest number. Have you ever seen a property listing price with the last three digits 888 — as in $400,888?

Now you know why. …continued on page 54

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…continued from page 52

9 UNLUCKY

In Japanese, 9 sounds like the word for torture or suffering and is to be avoided.

13 UNLUCKY

Triskaidekaphobia, or the fear of the number 13, has long been a superstition. Paraskevidekatriaphobia is the fear of Friday the 13th. Whether it stems from The Last Supper in the Christian faith, where Judas was the 13th apostle to sit at the table, or from Viking lore, we’ll never know — but it’s among the most famous of superstitions, enough so that a great number of buildings — rentals, condos and office buildings — don’t offer a 13th floor.

17 UNLUCKY

In Italy, 17 is not a welcome number.

The Roman numerals for 17 (XVII) are an anagram for VIXI — a term implying you’re dead, similar to the term RIP (Rest In Peace). You don’t want your address denoting you’re dead. Real estate, in turn, rules out 17 — which is easier and less intrusive than ruling out the number 4!

18 LUCKY

In Hebrew, the same digits are used for letters and numbers, so every word can be read as a number and every number can be sounded out.

The digits for 18 are read as the word “life” which is invested with a belief of luck, especially luck to live a long life.

To live at number 18 or on the 18th floor would invest the residence with luck for a long life.

666 EVIL

From the book of Revelations, John The Apostle’s reference to ‘The number of the beast’ (chapter 13) is associated with Hexakosioihexekontahexaphobia.

Though in Chinese culture, the pronunciation of 666 sounds like “things going smoothly” so the number is favourable. I once had a colleague who lived at 668. She joked that she was ”The Neighbour of the

Beast.” This one is pretty universal.

There are other superstitions and signs of luck in real estate, beyond buying a home with a yard full of four-leaf clovers on St. Patrick’s Day. The colour red is a symbol of luck in Chinese culture and occasionally comes up, from the paint palette to the marketing material of new developments.

Some agents and homeowners believe that burying a little statue of St. Joseph will help their home sell.

There are a few differing views about how the statue should be buried, though all agree that the statue

should be wrapped to keep it clean as a sign of respect. You can buy a St. Joseph House Selling Statue Kit online.

Feng Shui is also given some consideration. If a property has bad energy or no flow, it can be a deterrent for a sale. Feng Shui can even relate to a residence’s placement on a street and how the energy will interact with the flow in the neighbourhood. A home at the T of an intersection can get too much chi too fast, and that’s not good.

But for now, may luck be with you for your real estate ventures.

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Inspiration | DESIGNER ADVICE

The fully furnished

BATHROOM

By Yanic Simard

WANT THAT PEACEFUL SPA

atmosphere in your home? Modern furnishings and minimalist design are a good starting point for a blissful bathroom.

However, when we go too clean with our ensuite treatment, sometimes the space can begin to feel less calming and more clinical.

With these tips for introducing inviting furnishings, you can add a little warmth to your washroom space and rediscover true relaxation.

Side table » An easy addition, a simple side table or stool placed next to a vanity or tub invites you to sit while drawing a bath, chat with family or a friend while getting ready for an evening out, or perch a good book and a glass of wine. » If you’re worried about moisture damage, a ceramic indoor/outdoor stool is a perfect choice to resist the dampness, with endless options for colour or pattern (or classic black for a punch of drama). Plus, in summer when you spend more time on your balcony and less time in a hot bath, this stool can move outdoors as a compact extra seat. » I often use wood stools in bath spaces (including in my own recent bath renovation!), as the organic texture adds a sense of warmth sometimes missing in spaces dominated by stone and glass.

Look for a petite form which can tuck away when not in use to save space.

Chair » Similar to a stool, a chair placed in the bathroom helps tie the space back to other areas of your home, with the added benefit of providing the perfect place to drape clothing or a towel. » Choosing a transparent plastic, polished aluminum, clean white or an open shape (like a classic bentwood bistro chair) will help …continued on page 58 56 YPNEXTHOME.CA

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APRIL 2 - 16, 2016 | NEW HOME GUIDE 57

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…continued from page 56

keep the look light and airy. As with stools, choosing an outdoorfriendly design will ensure the piece can handle a little ambient moisture, and many outdoor options come in powder-coated metal or tinted acrylic for a hint of colour. » If you have room, a small sofa, club chair or chaise creates a look of true luxury, dramatically blurring the lines between spaces and evoking the atmosphere of an elite spa.

Cart » A multi-layered cart is an excellent place to store toiletries and other bathroom essentials in a way that’s both beautiful and convenient.

It’s another design-approved idea I put to the test in my own home!

A cart can easily move out of the way or pull closer to the vanity, and perches perfectly under a window or in a corner without blocking elbow room like a full-height cabinet would. » Use simple jars, drinking glasses or open vases to store items like cotton swabs and toothbrushes, and baskets or boxes for items you want hidden, with space left for rolled towels and an occasional fresh bouquet. » To get that unexpected charm, skip the “bathroom carts,” opting instead for a metal bar cart (especially a vintage find) or a wellsealed butcher-block kitchen cart and boldly repurposing it.

Chest » If you have room for nothing else, you can always create a furnished look in your bathroom by replacing a minimal or builtin vanity cabinet with a chest of drawers or vintage console.

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

» Since a sink can be installed in virtually any furniture piece with the right height and basic structural shape, think outside the box for items that can work, such as a writing desk or old wine barrel (with an added stone top). Just ask the shop to hold the item while you confer with your plumber!

» Look to places like Habitat for Humanity ReStore or other second-hand stores for furniture pieces with a story that just need a little refinishing (which you can then have applied in the form of a bathroom-friendly paint or sealer) rather than extravagant antiques.

Yanic Simard is New Condo Guide’s design editor, principal designer of award-winning Toronto Interior Design Group (tidg.ca), and regular guest expert on City’s Cityline.

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Inspiration | Style File

Filling your walls Here’s some help for finding great art for your new home

By Elisa Krovblit

YOU’VE BEEN WAITING to move in.

You’ve thought about your furniture and dreamed about colour schemes.

You’ve been eying decor accessories and keeping tabs on the trends. But what about art? How are you going to fill those big, fresh, new walls?

Moving into a new home is a great time to re-evaluate your art. Perhaps you’ve got a great mix of family portraits and old favourites — you may want to change frames or clean them up. Or do you need new art to fill those big, beautiful new walls?

Generally, people find buying art to be daunting, but it doesn’t have to be.

People also assume it’s exorbitantly expensive — but again, it doesn’t have to be. Galleries, dealers and art shows make it easy to explore what you like and want to live with on your walls.

Art Interiors is a favourite Toronto gallery. Known for discovering and launching many great talents, it’s a perfect example of the gallery experience. They carry a huge array of media, and in every shape, size, colour and theme you might want. Owner Lisa Diamond suggests working with a reputable dealer or gallery. If you need guidance, having someone that professionally curates art on your team can help you put together a collection with confidence.

If you want a more basic starting point, start by exploring to discover what you like. For example, The Artist Project, theartistproject.com, recently staged its ninth year at the Better Living Centre. More than 250 artists, both local and international, displayed their works.

Sometimes it’s a matter of defining your style. Do you know what you like? Many people feel they’re at a disadvantage when looking at art because they don’t have a background.

They can’t talk periods or styles or even feel comfortable with terminology.

Campbell’s Grenade, from the Exploit Grenade Collection by David Krovblit | krovblit. com Krovblit’s work is an experience, both visual and cerebral. Each new piece exhibits well-crafted, colourful images steeped in highly conceptual, contemporary themes. Exploring social commentary, you can usually find a streak of humour running straight through his work.

When you don’t know your Degas from your Dada you may feel that art shopping will be awkward. You may know what you like but not know where to find it — and at a price point you can handle.

Again, Diamond’s recommendation makes sense — seek professional help.

You go to a financial advisor for your finances, you go to a mechanic for your car, so go to a gallery, work with a dealer, and talk to the artists when it comes to those walls.

While it’s easy enough to go, questions may come up when you start trying to understand what to buy. One piece is easy, perhaps finding a few

for a room is not as difficult as you’d imagine, but buying a quantity for your new home can become harder as you try to decide what works together and how you’ll display it all. Do you need to match your furnishings? Should you poll your friends about your choices?

Do you need to buy all in one theme or colour for your home to be cohesive?

Art can make you second guess yourself too many times.

For the answers to these and other questions, and to bolster confidence in starting off or expanding your art collection, Diamond offers some great professional advice: …continued on page 62

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2016-03-29 2:12 PM

…continued from page 60 Even Odds from the Northland series by Richard Ahnert | mycanvas.ca Richard Ahnert takes anthropomorphic painting to a new level, lacing it with a quiet, yet unmistakable animism — an abiding kinship between human and animal. His work has won awards and can be found in private collections and businesses in North America and Europe.

w

S

Pornigami Chikara by Harv Glazer | houseofpornigami.com Pornigami Chikara meaning “strength” The image of a simple folded crane was my inspiration.

I use only the basic form of a two dimensional triangle, just like the angular folds of the crane. And it was through this process that Pornigami was born.

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

1. Don’t be stressed out about “filling” the large walls.

2. Don’t worry about matching the decor — the ultimate idea is to buy what you love and make it work.

3. If you have a budget then start with smaller pieces.

Don’t be scared to do a grouping!

4. We know the wall is big, but groupings have great impact and are less expensive, and you can do them over time. Start with three and hang academically - pieces of different sizes shapes and genres hung together along the wall.

5. If the grouping can be anchored by a piece of furniture, for instance, a couch or a sideboard, then that will visually give weight to the wall.

6. Do not ask your friends or family for opinions. You’re the one who has to live with the art! (Do you like the art in your mother-in-law’s house? Then why ask her?)

7. If you’re looking for inspiration, then open up some design magazines or websites. Great ideas from these sources will give you some direction.

Enjoy discovering new art, and filling those walls, pieces will not only bring you years of pleasure aesthetically, but may dramatically increase in value, making your walls a beautiful investment!

Find David Krovblit, Harv Glazer and Richard Ahnert at The Artist Project: theartistproject.com Visit Art Interiors at 446 Spadina Rd., Suite 203. artinteriors.ca

IN

» »

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APRIL 2 - 16, 2016

west region SHOWCASING NEW HOMES IN THE GTA’S WEST REGION

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» MAPS AND LISTINGS FOR NEW-HOME COMMUNITIES IN THE WEST REGION » BUILDER NEWS AND THE LATEST IN NEW HOMES IN THE WEST REGION APRIL 2 - 16, 2016 | NEW HOME GUIDE 63

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Advice | QUICK TIPS

A place for everything and everything in its place

By Hellen Buttigieg

MORE ADVICE ONLINE ypnexthome.ca/news/advice

RANDOMLY TUCKING things away in spots that are convenient at the moment just won’t do. If things don’t have designated homes, they never get put away properly, making them all but impossible to find the next time they’re needed. Find the right spot for everything that comes into your home, share the organizational tactics with your family and stop being a human directory for everyone and everything in your home.

Organizing your home Designate a basket or drawer as your household’s “lost and found” area.

Deposit any stray items like bobby pins, sunglasses, earrings, etc. It’ll soon become the first place family members look for missing objects.

What did I do with that manual?

Have you added new appliances and electronics to your home recently?

Staple the receipt and warranty to the instruction manual and tape it to the bottom of the item so it’s easy to find if you need to refer to it. For portable items like cell phones and MP3 players, store the manuals in an accordion file by category.

Where’s the remote?

Use Velcro to attach the remote to the side of the television set when not in use and never waste time searching for it again. Or, consider purchasing an electronic remote finder that makes a loud, distinctive sound to help you find it (this also works for keys).

Where are my keys?

Choose a “home” for your keys and get into the habit of always keeping them in that spot. Hang them on a designated hook or toss them in a bowl. Leave a copy of your keys with a trusted neighbour.

Everything needs a home Whenever you bring a new item into your home, immediately find a permanent place for it to live. To help you determine the best spot for it, ask yourself what else is like it, and where (and how often) will you use it. Store similar things together, and store items near their place of use. Items used daily should be placed in the most accessible areas (within arm’s reach), whereas seldom-used items can be stored in out-of-the-way spaces. Keep a label maker handy to label drawers, shelves and containers

so you don’t have to rely on your memory when you need to find something quickly.

Organizing your life Time spent relaxing is not time wasted. Give yourself permission to enjoy several agenda-free days. Leave your e-mail and cell phone behind and delight in some of life’s simple pleasures without interruption. This is especially crucial if you are selfemployed and your boss is a tyrant!

We can’t get very far in life on an empty fuel tank; we have to get off the busy highway once in awhile to refill it.

Hellen Buttigieg is a certified professional organizer, life coach, TV host, owner of We Organize U and author of the best-seller, Organizing Outside The Box. For tips on getting organized, visit weorganizeu.com and sign up for the free newsletter.

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Inspiration | STYLE FILE

e

S

SWEET DREAMS

By Kait Kucy

IF YOU ARE LOOKING FOR SWEET DREAMS, you’ll find that they are not necessarily a product of your imagination but in fact made of soft linens, high thread count sheets and down feathered pillows.

There is nothing quite like ending a day by retreating to your own personal oasis; a warm nest-like haven stocked with throw pillows, woollen blankets and cosy pajamas.

The luxury of a bed well-made is not an impossible feat — in fact just by following a few simple guidelines and picking up a couple of bedtime essentials, you’ll have all of the bragging rights for a bedroom worth talking about.

The mattress is always a great place to start. Life is too short to spend your time sleeping on an uncomfortable mattress. Studies show that we spend approximately 33 per cent of our lives sleeping, so you might as well find

something that works for your lifestyle and provides comfort and warmth to you on a nightly basis.

For exceptional relaxation, consider natural and breathable organic materials that keep you cool and comfortable while you slumber. Visit mattress stores and spend some time relaxing on their samples. Get the full run-down on what makes a mattress the right fit for your needs. You need to find a mattress with the right firmness, the right amount of give and the perfect support for your frame. Pocket coils, pillow-top, latex, boxspring — you’ll have to try them out and see what is best suited for you.

Next up, you’ll want to invest in soft and comfortable sheets. With millions of options out there it is normal to feel overwhelmed by the choices — and specifications like …continued on page 68

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IN

» »

APRIL 2 - 16, 2016

east region SHOWCASING NEW HOMES IN THE GTA’S EAST REGION

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» MAPS AND LISTINGS FOR NEW-HOME COMMUNITIES IN THE EAST REGION » BUILDER NEWS AND THE LATEST IN NEW HOMES IN THE EAST REGION APRIL 2 - 16, 2016 | NEW HOME GUIDE 67

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ONLINE

Hosting a small space party

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

…continued from page 66

thread count. Thread count refers to the number of threads per square inch of fabric. Traditionally, we’ve been told to purchase sheets with as high of a thread count as you can afford. Thanks to new innovations in the bedding industry, natural fibres like bamboo, linen and cotton can be just as luxurious as a 1,500 thread count Egyptian cotton bed sheet.

You’ll want to get the right shapes and dimensions to coordinate your pillow shams, bed runners, sheets and duvet covers.

Which brings up the question about investing in a down duvet — are they worth the hype? It’s actually more than just hype, down has some incredible properties that make it the perfect material for a blanket option.

Down will keep you warm and cosy, while allowing your skin to breathe while you sleep. They are also very durable and will retain their shape much longer than a synthetic option.

The same goes for down pillows and cushions.

Creating a space that reflects your personality and taste is just as important as your comfort. You want to accessorize well, and create

layers of bedding, pillows and covers.

You want to introduce just the right colours and patterns to ensure your room is in line with your style, but is also a soothing and relaxing space for sleeping. Some people prefer bright colours, some prefer layers of tones. The all-white bed is always in style, while the ever-changing array of popular patterns change with the seasons. A great way to mix trends with your classic favourites is through the accessories. Add a throw with a pop of colour. Pick a patterned flat sheet with a coordinating solid fitted sheet. Go monochromatic with different shades of the same colour or go big and bold with patterns that work well with each other. This is where your taste can be satisfied.

You may even want to consider customizing some elements to tie it all together, though there are a great many solutions straight off the rack.

The bedroom has become so much more than just the place you catch your six to eight hours of sleep, it has become a second living room in the home. Many people use it as a place to relax, to read or to work — ultimately the products you choose to live with should reflect your personal and comfort needs.

Kait Kucy is a lifestyle and travel writer and blogger for online and print publications in Canada and the U.S.

Lets face it, not all homes today have large spaces to socialize – many are becoming smaller – and hosting a party can be challenging.

If you’re tight on space, and even if you have the culinary skills, your kitchen may not have the equipment needed to make good appetizers and meals.

If you’re living in a townhouse complex that has dedicated party space, you won’t need to worry about hosting a large number of guests; your furniture can remain untouched for the night, you’ll have added space to serve treats, and you can even hire people to do all the hard work for you.

Even if you don’t have access to such an amenity, there are still ways to take advantage of your own space.

Watch the video to see Matt Binkley from Culinary Search Group give us some tips and tricks for hosting a fantastic party using a pro chef or culinary instructor.

Watch the video online.

Chef Matt Binkley from Culinary Search Group offers great suggestions for condo entertaining.

ypnexthome.ca/condo-party 68 YPNEXTHOME.CA

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COMING SOON A limited collection of detached homes backing onto Bowmanville Creek An exciting new community of 60 detached homes set against the charming, natural landscape of Bowmanville. With an unmatched location, generous 37, 40 & 45 foot lot sizes, and quality craftsmanship you’ve come to know and trust from Delpark, you won’t have to compromise on your dream home.

Located at West Scugog Lane & Mill Lane. ion cess

57

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. 57 l Rd

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REGISTER NOW TheCrosswindsHomes.com

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

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Inspiration

HOW TO:

Get the model suite look

By Sonia Bell

MODEL SUITES ARE ALWAYS LAVISH, eye-catching and

give buyers a small taste of their soon-to-be lifestyle. Just because you can’t live in a model suite, doesn’t mean you can’t get the model suite look. New Home Guide caught up with Sabrina Albanese, the interior designer behind Aspen Ridge Homes’ Chelsea Maple Station’s model home, and she gave us the scoop on where you can find some of the very best decor pieces featured in the model.

1. LIGHT FIXTURE IN THE KITCHEN Product: Parison Pendant Designer: Nat Cheshire Store: Klaus

Living room

2. GEOMETRIC COFFEE TABLE IN THE LIVING ROOM Product: Bonaldo Voila Coffee Table Designer: Max Piva Store: Suite 22 Interiors

The Chelsea’s living room and kitchen are undoubtedly the highlight of the entire model home. According to Albanese, “this room is the ‘Great Room.’ I love this room not only because of the colour combinations and the palette, but also because of the lines in the carpet, geometric coffee table and the art.”

3. WOVEN CHAIR IN LIVING ROOM Product: Cuba Lounge Chair Designer: Morten Gøttler for Carl Hansen & Son Store: DWR

1

2

3

70 YPNEXTHOME.CA

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Master bedroom Every homeowner deserves an amazing lair, and according to Albanese, one of the most critical aspects of any master bedroom is the lighting. “In this scenario, we used beautiful modern sconces as an alternative to table lamps, and then we added this statement shell chandelier,” says Albanese.

1 2

1. MODERN SCONCES Product: IC Lights C/W Designer: Michael Anastassiades Store: Flos

2. CHANDELIER Product: Capiz Globe Chandelier Designer: n/a Store: Serena & Lily

1 3

1

2

2

Nursery

Man cave

Parents tend to put a lot of thought and effort into their baby’s nursery — sometimes more so than their own master bedroom — but according to Albanese, they all require the same things: a crib, changing table, rocking chair and a nice palette. The Chelsea’s nursery, “has a nice elephant theme. We wanted it to be fun and whimsical, but still muted and soft.”

The Chelsea model home also featured both a chick and man cave. Albanese explained that the man cave was essentially “the recreational room [that we targeted to] the man of the house. It has the same soft palette that runs through the house, but this has more of a blue tone. We did a lot of open shelving, big TV, nice sofa, and the most important part is the bar.”

1. ’80S GEOMETRIC WALLPAPER Product: Etch Wallpaper Price: $88 Designer: n/a Store: Serena & Lily

1. COFFEE TABLE Product: Around Coffee Table Designer: Muuto by Thomas Bentzen Store: DWR

2. MODERN CRIB Product: Leander Crib 5-in-1 System Designer: Leander Store: Ella + Eliot

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

2. SMEG FRIDGE Product: FAB10RB: 50’s Retro Style Aesthetic Designer: Smeg Store: Drake General Store 3. BAR STOOLS Product: About A Stool Designer: Hee Welling & HAY Store: Klaus

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 master’s degree in communications, and loves writing about all things real estate.

APRIL 2 - 16, 2016 | NEW HOME GUIDE 71

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Want to sell your home and save the commission?

Selling with us means saying yes to granite countertops in your newly built home.

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2016-03-29 2:12 PM

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

Model Home Photo Compliments of Fieldgate Homes

www.fieldgatehomes.com

This 3,448 sq. ft. Bazille model home is a spectacular luxury residence with an additional 1,500 sq. ft. of finished lower level. Elegantly appointed by an expert interior design team, you can find endless inspirations for your new Fieldgate home. Kleinburg, Ontario

APRIL 2016

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

MAPLE STATION By: Andrin Homes City: Vaughan Housing type: Modern freehold townhomes from the low $600’s andrinhomes.com

FOXTRAIL By: Brookfield Residential City: Uxbridge Housing type: Bungalow townhomes from $469,990 brookfieldhomes.ca

PRIMONT’S NEWTOWNS AT MOUNT PLEASANT

KLEINBURG GLEN

new openings KLEINBURG GLEN By: Gold Park Homes City: Kleinburg Housing type: Exclusive collection of luxury homes from the $690’s goldparkhomes.com

NEWTOWNS AT MOUNT PLEASANT By: Primont Homes City: Brampton Housing type: Phase 2 of master-planned community of townhomes primonthomes.com

BRIAR HILL CITY TOWNS By: Madison Homes City: Toronto Housing type: One- and two-storey urban towns at Dufferin Street and Briar Hill Avenue madisonhomes.ca

TRAILS AT CARDINAL POINT By: Geranium Homes City: Stouffville Housing type: Limited collection of freehold towns and single-family ravine homes geraniumhomes.com

By: Gold Park Homes City: Kleinburg Housing type: Collection of luxury homes in a prime location, from the upper $600’s goldparkhomes.com

GLENWAY NEWMARKET By: Andrin Homes City: Newmarket Housing type: Two- and three-bedroom townomes from the $500’s, detached homes and bungalows on 50-ft. lots homes from the $800’s glenwayliving.com

GATES OF NOBLETON By: Tribute Communities City: Nobleton Housing type: Collection of 50-, 60-.

70- and 80-ft. detached homes mytribute.ca

TRAFALGAR RIDGE By: Dunpar Homes City: Oakville Housing type: Luxury, three-bedroom townhomes from the mid $600’s dunparhomes.com

new releases TRAFALGAR GREEN By: Kantium Development City: Whitby Housing type: Final release of two-storey Garden Towns and three-story Village Towns trafalgargreen.com

HUMBER MEWS By: Menkes City: Etobicoke Housing type: Townhomes with basement and garage access from $559,990 menkes.com

preview registration HILLSBOROUGH HOLLAND LANDING By: Andrin Homes City: East Gwillimbury Housing type: Detached homes on 38-, 40and 45-ft. lots andrinhomes.com

THE CROSS WINDS SPICE URBAN TOWNS By: Hi-Rise (West) Inc. City: Toronto Housing type: Bungalow and two-storey urban towns with rooftop terraces from mid $300’s spiceondanforth.com

By: Delpark Homes City: Bowmanville Housing type: A limited collection of detached homes backing onto the creek thecrosswindshomes.com

…continued on page 76

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Ontario’s best source of real estate information to

buy, rent, sell or renovate 66585_Pemberton-Condo Guide-cover_FINAL-OL.pdf

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APR 2 - 16, 2016 VOLUME 24, ISSUE 7, FREE

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A SPECIAL ADVERTISING SUPPLEMENT

2016-03-04 11:26 10:26 AM

SHOWCASING THE

best builders & top communities across the GTA

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Exploring the GTA’s top builders and developers

THE EXPERTS WEIGH IN:

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Exploring Ottawa’s top builders & developers

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EXPERT PANEL Guiding you through the homebuying process

5 REASONS 2016 is a good year to buy a home

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Questions to ask when considering a condo investment

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2016 EO ANNUAL.indd 1

2016 MODEL SUITE CALENDAR

2016-03-15 5:29 PM

2016 MODEL HOME CALENDAR

AN EXCLUSIVE COLLECTION OF THE GTA’S MOST BEAUTIFUL CONDOS

AN EXCLUSIVE COLLECTION OF THE GTA’S MOST BEAUTIFUL NEW HOMES

2016 MODEL HOME CALENDAR SEASONS IN CALEDON | PRIMONT HOMES

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HIGHLAND RIDGE | EASTFOREST HOMES

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AN EXCLUSIVE COLLECTION OF SWO’S MOST BEAUTIFUL NEW HOMES AND CONDOS

11/26/15 12:27 PM

2016-03-29 2:32 PM

LATEST LISTINGS

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

…continued from page 74

BELLE AIRE SHORES By: Fernbrook Homes, Pristine Homes & Zancor Homes City: Innisfil Housing type: Coming this spring – townhomes and 36-, 42-, and 50-ft. singles. belleaire.ca

HERITAGE TOWNS By: Montevello Developments City: Toronto Housing type: Townhomes in the Junction Triangle from 1,593 sq. ft. from the $750’s. heritagetowns.ca

COUNTRY LANE By: Andrin Homes & Heathwood Homes City: Whitby Housing type: Master-planned community of 36- and 45-ft. detached homes countrylanewhitby.com

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

ANCHOR WOODS By: Rosehaven Homes, Andrin Homes & Regal Crest Homes City: Holland Landing Housing type: 45- and 38-ft. detached and semi-detached homes anchorwoods.ca

UPPER SUMMERSIDE By: Mattamy Homes City: Scarborough Housing type: New townhome designs in established family-friendly neighbourhood mattamyhomes.com

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

ST. JOHN’S FOREST By: Mattamy Homes City: Aurora Housing type: 45- and 50-ft. lots in a wooded enclave

ARISTA HOMES’ BOXGROVE VILLAGE

mattamyhomes.com

WHITBY CENTRAL By: Brookfield Residential City: Whitby Housing type: Single-detached homes in an established family neighbourhod brookfieldhomes.ca

THE BROOK By: Delpark Homes City: Oshawa Housing type: Single-family homes on 30-, 36- and 40-ft. lots thebrookhomes.com

NEW SEATON By: Brookfield Residential City: Pickering Housing type: Coming in 2016 – register to be among the first to learn about this new community brookfieldhomes.ca

HERON PARK By: Mattamy Homes City: Scarborough Housing type: Townhomes and semi-detached homes mattamyhomes.com

9130 BATHURST By: Senator Homes City: Richmond Hill Housing type: Modern townhomes senatorhomes.com

SPRING VALLEY JUNCTION By: Lindvest City: Brampton Housing type: 38- and 41-ft. detached homes lindvest.com

MEADOWGREEN By: Heathwood Homes City: Brampton Housing type: Townhomes, semis and singles on Mississauga Road heathwood.com

GREEN VALLEY ESTATES By: Bayview-Wellington Homes City: Bradford Housing type: Townhomes, semis and singles greenvalleyestates.com

THE ARBOURS By: CountryWide Homes City: Aurora Housing type: Single-detached homes countrywidehomes.ca

OAK PARK By: Ballantry Homes City: Oakville Housing type: Urban townhomes and midrise condominiums ballantryhomes.com

HAWTHORNE VILLAGE ON THE ESCARPMENT By: Mattamy Homes City: Milton Housing type: Exclusive townhomes mattamyhomes.com

MOUNT PLEASANT By: Great Gulf City: Brampton Housing type: Full-depth lots with unique standard features greatgulf.com

UPTOWNS AT BAYVIEW By: Treasure Hill Homes City: Richmond Hill Housing type: Freehold townhomes at Bayview and Hwy. 7 treasurehill.com

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

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Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS

variable

ATB Financial

2.6

Alterna Bank

2.35

Bank of Montreal

2.7

Bank of Nova Scotia

2.9

Canadian Western Bank CFF Bank CIBC

6 months

1 year

2 years

3 years

4 years

5 years

4 4.00op 4 6.30op 4 6.75op 4.55 6.45op 4 6.45op

2.94 4.00op 2.85 6.30op 2.89 6.75op 3.29 6.50op 3.14 6.30op 2.69 2.84 6.35op 3.14 3.15 3 3.20op 3.14 6.70op

2.64 4.00op 2.09

2.69

2.74

2.89

2.59

2.74

2.58

2.99

3.39

3.89

2.69

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.24 2.79

2.39 2.59

2.59 4.09

2.64 4.79

3.04 3.65 2.94

3.65 3.64 2.84

4.39 3.69 2.79

4.64 3.69 2.89

3.04

3.39

2.74

2.89

2.79 2.39

3.34 2.59

3.99 4.39

4.44 2.89

2.84

2.39

3.89

2.79

3.24

3.49

3.69

3.79

2.7 6.95op

Equitable Bank ICICI Bank Canada Manulife Bank

2.75 2.4

National Bank

n/a

President’s Choice Fina Royal Bank

4.45 4.4 6.70op

n 2.70 2.7 6.75op

TD Canada Trust

2.6

Tangerine

2.7

3.14 6.75op 2.99 6.30op 3.19

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Company 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

2.24 3.09

2.39 3.39

2.59 3.89

2.64 2.84

3.09

3.39

3.89

4.49

4 6.30op 6.2 6.40op 3.1 4.25 6.50op 4.2 6.50op

2.85 6.30op 2.84 6.30op 2.29 2.89 6.50op 3.14 6.30op 3.25 6.25op 2.84 6.30op 2.99 6.30op 2.8 2.95op 2.45

2.09

2.59

2.74

2.58

2.89

2.95

2.99

2.89

2.24 2.79

2.49 2.89

2.64 2.95

2.69 2.89

3.09

3.39

3.89

4.74

3.2

3.65

4

4.5

2.79

3.39

3.89

2.59

2.69

3.49

3.99

4.64

2.85

2.95

3.05

3.15

2.55

2.55

2.65

2.65

OTHER FINANCIAL INSTITUTIONS Alterna Savings

2.35

Comtech Credit Union

2.45

First National Fin. LP IC Savings

2.7

London Life

n/a

Luminus Financial

3.25

Meridian Credit Union

2.4

PACE Savings & C.U.

4 5 6.70op

Parama Credit Union

2.65

Steinbach Credit Union

2.25

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 March 28, 2016. Prepared By Fiscal Agents Financial Information Services 905.844.7700

APRIL 2 - 16, 2016 | NEW HOME GUIDE 77

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What’s Online

Trending now The latest real estate news from across Canada

Five tips for decorating on a budget READ THE STORY ONLINE ypnexthome.ca/budget-decor

It’s a good day to go Green in your home READ THE STORY ONLINE ypnexthome.ca/go-green

Four disgusting things you’re doing at home unknowingly READ THE STORY ONLINE ypnexthome.ca/disgusting-things

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projects & communities MAP LISTINGS IN THIS ISSUE PAGE BUILDER SITE

CONTACT INFO

continued from page 80 PROPERTY TYPE

Insert & 25

Fieldgate Homes

City Towns Valley Lands in Brampton

fieldgatehomes.com

D

Fieldgate Homes

Lotus Pointe Caledon

905-838-2806

S

PRICE RANGE

PIN

MAP FINDER

T

from $420,000

26

9P

D

T

from $724,000

23

8M

Insert & 25

Fieldgate Homes

Valley Lands

905-457-0445

D S

T

from $690,000

26

9P

65

Gold Park Homes

Encore Brampton

905-970-8236

D

from $650,000

63

8M

19

Great Gulf

Trafalgar Landing

905-844-1605

T

$200,000

30

8V

19

Great Gulf Westfield

905-866-6876 D

from $508,000

24

8P

Heathwood Homes

Meadow Green

647-287-7042

D

S

from $650,000

58

8Q

59

Hi Rise (West) Inc.

Spice Urban Towns on Danforth Rd

spiceOnDanforth.com

S

from $350,000

23

12G

Mattamy Homes

Cranberry Hill

mattamyhomes.com

$325,000

Mattamy Homes

Hawthorne South Village

mattamyhomes.com

T

from $634,000

59

6S

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

T

C

from $496,000

60

7O

8-9

Mattamy Homes

The Preserve

mattamyhomes.com

D

T

$406,000

29

7V

Mattamy Homes

The Village of Southfileds

mattamyhomes.com

66

8M

Mattamy Homes

Topper Woods

C

$730,000

D

T

$520,000

Mattamy Homes Wildflowers

mattamyhomes.com D

T

$195,000

5

Menkes

The Enclaves of Upper Canada

289-891-9103

D

13

Primont Homes

Newtowns at Mount Pleasant

www.primonthomes.com

12

Primont Homes

Seasons in Caledon

www.primonthomes.com

23

Treasure Hill Homes

Tiara Estate Collection

treasurehill.com

41

Andrin Homes

Hillsborough Holland Landing

IFC

Aspen Ridge Homes

King Country Estates

Aspen Ridge Homes Queensville

yourqueensville.ca D

S

from $750,000

28

6O

T

$390,000

25

7O

T

from $715,000

27

8M

T

from $990,000

andrinhomes.com

D

$0,000

51

18E

905-558-0255

D

S

North

$0,000

18

13I

T

$550,000

46

20D

Averton Homes

Victoria Highlands

averton.ca

D

from $550,000

69

23E

53

Ballymore Homes

Mill Street Village

millstreethomes.com

S

T

from $515,000

20

12E

53

Briarwood Homes

Mill Street Village

millstreethomes.com

S

T

$515,000

20

12E

Briarwood Homes

Pretty River Collingwood

1-888-257-1999

$310,000

Brookfield Residential

Fieldstone

1-855-379-1495

$600,000

71

5E

Brookfield Residential

Grand Central

905-778-0873

$600,000

47

16D

Brookfield Residential

Treetops

1-855-590-3577

$370,000

49

13A

Brookfield Residential

Willow Glen Tottenham

905-406-1044

T

from $330,000

19

11E

33

Geranium Homes

Vista at Cardinal Point

vistaflatsandtowns.com

D

T

$390,000

Great Gulf

Hillsborough Holland Landing

greatgulf.com

D

from $570,000

51

18E

19

Great Gulf

Sharon Village

905-478-7362

T

$550,000

65

20E

52

17D

Great Gulf

Summerlyn Village

905-775-3461

D

from $560,000

61

Mancini Homes

West Ridge Place Orillia

905-773-9997

T

$300,000

7

Menkes

Hometown Sharon Village

menkes.com

T

$,000

54

19F

23

Treasure Hill Homes

Acacia Estates

treasurehill.com

T

$1790,000

56

16J

29

Andrin Ltd.

Country Lane in Whitby

CountryLaneWhitby.com

D

T

$,000

32

28N

Arista Homes

Whitby Meadows

aristahomes.com

D

T

$,000

31

28N

Averton Homes

Beacon Hill Bowmanville

averton.ca

D

from $450,000

Averton Homes

Main Street Seaton

averton.ca

from $280,000

70

25N

Brookfield Residential

Foxtrail

foxtraillife.ca

$470,000

43

27G

69

Delpark Homes

The Crosswinds

TheCrosswindsHomes.com

T

$,000

61

33o

East S

S

25

Fieldgate Homes

Whitby Meadows

fieldgatehomes.com

D

T

$,000

31

28N

29

Heathwood Homes

Country Lane in Whitby

CountryLaneWhitby.com

D

T

$,000

32

28N

Mattamy Homes Seaton

www.mattamyhomes.com D T

from $350,000

44

24N

S

Property Type D Detached S Semi-Detached T Townhome

GTA_Map_alllistings.indd 2

2016-03-30 3:30 PM

projects & communities MAP LISTINGS IN THIS ISSUE PAGE BUILDER SITE

CONTACT INFO

PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

Central 57

Andrin Homes

Glenway in Newmarket

GlenwayLiving.com

D

$0,000

68

18F

5

Arista Homes

Aurora Trails

aristahomes.com

D

T

from $700,000

14

19G

5

Arista Homes

Boxgrove Village Markham

aristahomes.com

T

$,000

15

22M

5

Arista Homes IMPRESSIONS

aristahomes.com D S

T

from $800,000

3

12K

Arista Homes

Jefferson Forest

jeffersonforest.ca

D

T

$586,000

10

18J

5

Arista Homes

Vaughan Valley Estates

aristahomes.com

D

from $1200,000

7

14L

IFC

Aspen Ridge Homes

Chelsea Maple Station

aspenridgehomes.com

D

$,000

8

16L

Aspen Ridge Homes

Kleinburg Hills

aspenridgehomes.com

D

$,000

45

13L

Aspen Ridge Homes

Scenic on Eglinton

416-805-1781

D

T

$190,000

33

18Q

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

T

C

$2100,000

34

17R

1

Aspen Ridge Homes

Upper West Side

uwscommunity.com

D

from $1099,000

4

17L

21

Averton Homes

Corporate

Averton.ca

T

$,000

27

Brookfield Residential

Corporate

brookfieldhomes.ca

$,000

Brookfield Residential

The Arbors

905-503-0992

$650,000

48

19H

Fieldgate Homes

90 Niagara

416-981-0036

D

T

$346,000

35

16S

Fieldgate Homes

Aurora Trails

fieldgatehomes.com

D

T

from $620,000

14

19G

25

Fieldgate Homes

BlueSky Stouffville

fieldgatehomes.com

D

from $600,000

12

22J

Insert & 25

Fieldgate Homes IMPRESSIONS

905-893-9500 D

T

from $890,000

3

12K

Fieldgate Homes Zigg

416-545-0223 D

T

$,000

36

16R

Forest Hill Homes

Bridle Path of Thornhill

foresthillhomes.ca

D

from $2000,000

50

18E

15

Forest Hill Homes

Cornell Rouge

905-472-9556

T

from $750,000

16

23M

S

Forest Hill Homes

Jefferson Forest

foresthillhomes.ca

D

T

from $890,000

10

18J

55

Gold Park Homes

Kleinburg Glen

905-417-7483

D

from $690,000

3

12K

11

Madison Homes

Briar Hill

madisonhomes.ca

T

from $500,000

1

16Q

15

Madison Homes

Cornell Rouge

905-472-9556

D

from $750,000

16

23M

Madison Homes

Jefferson Forest

jeffersonforest.ca

D

T

$586,000

10

18J

Madison Homes

Thornhill Ravines

905-417-1203

D

Mattamy Homes Cornell

mattamyhomes.com D

Mattamy Homes

Downsview Park

www.mattamyhomes.com

Mattamy Homes

Heron Park

www.mattamyhomes.com

Mattamy Homes

Lago

monarchgroup.net

Mattamy Homes

Picasso on Richmond

monarchgroup.net

Mattamy Homes

Richmond Green

www.mattamyhomes.com

Mattamy Homes

Riva del Lago

monarchgroup.net

S

$1800,000

53

16L

T

from $490,000

17

22M

$270,000

37

15P

T

from $400,000

38

22Q

C

$220,000

39

14S

C

from $550,000

40

16S

D

T

$,000

41

18K

C

$300,000

39

14S

S

Mattamy Homes

Upper Summerside

www.mattamyhomes.com

T

from $450,000

42

19R

7

Menkes

Dwell City Town

416-259-2525

S

T

from $590,000

2

12S

Menkes

Humber Mews

416-259-2525

T

from $550,000

2

12S

49

Montevello Developments

Heritage Towns On The Trail

416-531-7760

D

S

$750,000

67

15R

12

Primont Homes

JadeGarden at Cornell

www.primonthomes.com

S

T

$,000

55

22M

12

Primont Homes

Renaissance Townes

905-417-3363

T

from $750,000

5

15K

12

Primont Homes

Uptowns on Bayview

primonthomes.com

T

$,000

9

18K

17

Rosehaven Homes

Corporate

RosehavenPlatinum.com

T

$,000

23

Treasure Hill Homes

Aurora Views on Wellington

treasurehill.com

T

from $1360,000

57

19H

23

Treasure Hill Homes

Victory Heights

treasurehill.com

T

$,000

6

18L

IFC

Aspen Ridge Homes

Mayfield Village

905-230-2592

D

T

from $360,000

22

9L

Brookfield Residential

The Village

1-866-930-0050

$300,000

37

Dunpar Homes

Trafalgar Ridge

416-236-9800

T

$,000

West

continues on page 79

GTA_Map_alllistings.indd 1

S

S

29

8U

Property Type D Detached S Semi-Detached T Townhome

2016-03-30 3:30 PM

Baxter

Edgewood Rd

e

r vic e Rd

Line

Line

Line

Line

10th

8th

11th

tC an al

Ar t

es Disse i tte an In du St stri

al Pkwy

SC a

d

Simco

Ave Bayvi w

Line

Line

5th

3rd

Browns Line

Ma St in

Rd

Line

Line

Mo rn

Am eric an Dr

Clay

6th

W eston Rd

Conc

7th 6th

4th

Scotch

Conc

Rd

Conc

Line

Line

5th

Rd

Rd

EHS

EHS

Rd

EHS

Line

Line

3rd

Line

of

Centre

3rd

Prince

2nd

4th

WHS

Wales

Melanctho n - Mulmu r Townlin e

Line

Line

5th

4th

7th

Se

River

EHS

d

Sideroad

Mono C

27-28

24-25

Sideroad

Sideroad 27-28

Moffat Rd

Jarvis St

Carey St Rd

Ave

University Ave

40

Parliament St

35

Queen St W King St W Front St W

Eastern Ave

ioners Commiss

Rd

Park

ore esh Lak

Rd

Rd

19

r Gr D ple Ma

e Lin

Lin

ld d

Bro adv iew

Christie St

Lansdowne Ave

Ossington Ave

e

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

34

er Ov

Donlands Ave Jones Ave Pape Ave

36

Laird Dr

Avenue Rd

Spadina Rd

St Clair Ave W

Davenport Rd Dupont St

Eglint

33

Moore Ave

4th e Lin

nte Bro

Bronte

M Rd ca iss bec St issa Re ga St

Dr

lph Gue

xley

Toronto

ath le P Brid

1

Va ug ha nR d

Mt Pleasant Rd

OakwoodAve

Roncesvalles Ave Weston Rd Keele St Parkside Dr High Pk

Meddaugh Rd

Allen Rd

Post Rd Lawrence Ave W

n ow thd Sou

Middletown Rd

York Mills Rd

Dr or ds Win yal Ro

Dr Ford

Middletown Rd

Willowdale Ave

Senlac Rd

Wilson Hts Blvd

Sheppard

St rr Ke

e Lin 3rd

Rd

New W estmins ter Dr

Willowd

Glencairn Ave

Rogers Rd

67

Cummer

Eastlake

d ell R rtw Cha

r

tt

y leb App

lkers Wa

Middletown

Peter Rupert Ave

r

37

Caledonia Rd

Old

ge St

Bathurst St

Dufferin St Drewry Ave

Dr

d nR sto We

39

Thornhil

Grandra v i ne D

k Cr Dr Blac

Lake Shore Blvd W

Park Lawn Rd

Judson St

e rmer WindeAve

Prince Edward Dr Royal York

The Queensway

Runnymede Rd

ay sw

The East Mall

d Blv Haig

Rd

Lennon Rd

Dufferin St

Jane St

Sen tinel

Oakdale Rdy

ia Rd Caledon

Th

The West Mall d lR Mil

Norseman St

Evans Ave Horner Ave

Barrie St

Fraser St

Wanda St

Keele St

Jane St

Weston Rd

407

Centre St

71

North York

Downsview

6 Rd

Summeridg e Dr

HWY

Tre the wey Dr

eK ing

2

Jane St

Holancin Rd

Langstaff Rd

Wilson Ave

Etobicoke

Richmo

8 50 4 53 Carrville

Maple Leaf Dr

The Westway

4

Teston Rd

55

Norfinch Dr Dr

Islington Ave

Kipling Ave

400

Gamble Rd

McNaughton Rd

ar nm Fe Finch Ave W

10

Jefferson Sider

49

Langstaff Rd

Weston Downs

Dixon Rd

Renforth Dr

ve rA ate Rd Atw re ho kes La

Rd Wist Rd Davis

Weston Rd

Pine Valley Dr

Clarence St

Martin Grove Rd

Carlingview Dr

Rd

Sideroad 10

Coffey Rd

Rupke Rd

7th Concess ion

Mill Rd Kipling Ave

McGillivray Rd

Hunting ton Rd

QEW

la eo Min

McKinstry Rd

Sideroad 5

River Rd

Leonard Rd

8th Concess ion

King-Vaughan Rd

Rutherford Rd Bass Pro Mills Dr

73

Rexdale

Burnhamthorp eR d Bloor St W

Henders

Bloomington Rd

Kirby Rd

7 5

72

Rathburn Rd

Welli

56King Rd

11

409

427

py Ex er rdin Ga

20

6

Rd ian Lorne Ind Lorne Pk

d Blv

e Lin 8th

Do

o e N Lin 4th

oak Burl

Rd

Rd

King St

Sdrd 20 St ian M

10th Concess ion

Cold Creek Rd

rry nga Gle

hill hurc nC sto Win

e Lin 9th

Rd ga sau sis y kw Mis ls P Mil Erin

Cooksville

17

Rd thra Caw

kwy nP

dale Erin Rd Stn

Rd vis Ma

rat io

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e nf Co

wy l Pk tra Cen St rio nta Huro de

wy Pk

Miller’s S

16th Sideroad

oss Dr Kingcr

Dr Gore

Rd ken Tom

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403

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38

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Sideroad 20

Sideroad 18

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Rd lfe Wo Mt

Rd tion Sta ber Hum

Rd lea ma Bra

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Rd rpe tho am rnh Bu

29

403

Strawberry La

53

Steeles Ave W

Blv d

M

King St

Snowball

55

56

Belfield Rd

Dr ark eyp urtn Co d ia R n n a Brit 4

lvd heson B Mat

u th b Ra

Erin Mills

Oakville

Sdrd 18

Sidero

10

Tr ion Alb

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St La ys Duff

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Rd ake rt L Hea

St

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Emma Rd Bernhardt Rd

6

Woodbridge

thwest D Nor r

Graham Sd Juliana Rd

Rd nk Ba Tornado Dr

31

7

Star Dr ing

401

Streetsville

30

Sideroad 15

Sideroad 10

Side road

Queen St

St La ys Duff

Rd Hill

Rd ram Torb

oe esh Hors

rio nta Huro

d wR Dre

407

W ve nA linto Eg

Trafalgar

QEW

St

Patterson St

Tottenham Rd

Adjala/Tecu mseth Tow n Line Concessio n Rd 8

Concessio n Rd 7

Conc Rd 6

Dr ake is L Inn d wR invie unta Mo

ay xW y Fo Terr

Rd dle Mid per Up

Rd St

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e Lin 4th

Palermo

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17th Sideroad

King

427

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d Blv rk Cla

1

27

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Rose

Brampton

Mississauga

13

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407

107

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Lloydtown- Aurora Rd

17

72

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8

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Vaughan

Elder Mills

Zenway Blvd

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Br

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19th Sideroad

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45

Langstaff Rd

10

Webber Rd

52

Holland St

Edward Ave La ers Woodcho pp

Happy Valley

Nobleton

24

Rd zer ene Eb

410

Rd rry De Old

3

407

6

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38 Rd

Concessio n Rd 8

Concessio n Rd 5

Concessio n Rd 4

Concessio n Rd 3

Glen Rd y Haff

6

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hard Orc

don Hea Rd

dle Mid

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Concessio n Rd 3

Concessio n Rd 2 Mono/Adjala Town Line

d ar R falg Tra

Henderson Rd

20

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Concessio n Rd 2

EHS

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Rd

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Tansley

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15th Sideroad

3Kleinburg

4th Line

16

Linton

25

6th Line

4th Line

18

73

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Bond Head

8th Line

47

88

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16th Sideroad

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Highview Survey

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Newton Robinson

18th Sideroad

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Huttonville

3

Rd nia an Brit

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Northwood Park n St

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Rich Hill

4 89 14 Line

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Nashville Rd

Madoc

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63

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Tottenham

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New Tecumseth

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10

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Cedarville

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6th

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Sdrd Thorah

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Gibbs Rd

Allin Rd

Mosport Rd

Best Rd

Fowler Rd

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35 Boundary Rd Concession Rd 10

Aked Rd

Clemens Rd

17

Cooney Rd

Conce

Gana Jewel Rd

Vickers Rd

Gamsby Rd

35 115

Walsh Rd

Lawrence Rd

Squair Rd

Brownsville Rd

Golf Course Rd

Bell-wood Dr

Arthur St

King St

Graham Rd

Moffat Rd

Lockhart Rd

Stephenson Rd

Mill St

Riley Rd

V

Kirby

Ochonski Rd

North Region

U

Leskard Rd

Bennett Rd

Waverly Rd

T

Darlington Clarke Townline

Providence Rd

Lambs Rd

Bowmanville P

Central Region East Region

42

Pollard Rd

O

S

West Region

4

Concession Rd 3

Main St

Queen St E

St

Nixon Rd

N

Bragg Rd

Mearns St

Baseline Rd

Cole Rd

Mearns Ave

Concession St 57

Bethesda Rd

14

Acres Rd

Middle St

Presto nva le R d

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Holmes Point Rd Victoria S

La ke Dr

Duclos Rd St ou ffv ille

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Old

Dick Re

River Rd

Po

Concession 2

Murphy Rd

Longsault Rd

Woodley Rd

61

Green Rd

Sew ells

Lindsay St

A Ray Rd

H Corneil Rd

Wilson Rd

Mahoods Rd

K

Concession Rd 7

Liberty Rd

Maple Grove Rd

r

Ted Graham Rd

F Hall Rd

M James Rd

Nesbitt Line

Johns Rd

Cartwright East Quarter Line

Bally

Concession 6 Concession 5

R

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5 Concession 10

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Cedar Park Rd

Maple Grove

Concession 11

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Concession Rd 4

Salem

H

20

Lettner Rd

Holt Rd

401

2

Hancock Rd

e Murray Av

Rundle Rd

Trulls Rd

34 Bloor St

HWY

Concession 12

Concession 3

Taunton Rd

Nash Rd

G

J

Hampton

Solina Rd

Pebblestone Rd

Courtice Rd

59

Concession Rd 6

Washington Rd

Olive Ave

Vannest Rd

58 King St

Solina

Mitchell’s Corners Tooley Rd

Townline Rd

P

ll i p

Old Scugog Rd

Ormiston Rd Langmaid Rd

Grandview St N

Gibb St

55

62 hi

Union School Rd Wotten Rd

Enfield Rd

Grandview St N

Townline Rd

35

Bond St

22 rth St Went wo

60

Hoyer Rd

Nestleton Rd

Cartwright West Quarter Line

Sandy Rd

Graham Rd Russell Rd

54 Adelaide Ave

Park Rd

Stevenson Rd

Burns St

Enniskillen 3

Sand Bar Rd

Ogemah Rd

Washburn Island Rd

Rd

Wilson Rd

Ritson Rd

Harmony Rd

53

Valentia Rd

Eldon Rd

Beacroft Rd

Mississaugas Trail

He ad Conlin Rd

Allan Long Rd

Bush Rd

White Rock Rd

Fingerboard Rd

Sim coe St Harmony Rd N

Simcoe St

Stevenson Rd N

Halls Rd

Pickering Beach Rd

Shoal Pt Rd

Westney Rd

Harwood Ave

Henry St

Hopkins St

Cochrane St

Brock St

Salem Rd

Victoria St

52

Dundas St

Concession Rd 10

Concession Rd 7

Oshawa

28 Ma nn in g Rd 36

4

Mountjoy Rd

57

Janetville

Fallis Rd

Cadmus

Devitts Rd 57

Byers Rd

3

34

Nestleton

McKee Rd

Concession Rd 9

33 2

Whitby Garden St

McQuay Blvd

Halls Rd

3143

Thickson Rd

Anderson St

32

12

Ritson Rd

Thornton Rd

Columbus

Bradburn Rd

Burketon

Boundary Rd

Winchester Rd

16

Mariposa/Ops Bdry

Barry’s Rd

Station Rd

Old Simcoe Rd

Duffs Rd

Cochrane St

Cedarbrook Tr

Ashburn Rd

Country La

Coronation Rd

Halls Rd N

Lyndebrook Rd

Taylor’s Rd

Sideroad 18

Sideroad 18A

Stevenson Rd N

Heron Rd

Country La

Kinsale Rd

Salem Rd

Ravenscroft Rd

Squire Beach Rd

East Ave Port Union Rd

44

Columbus Rd

3

41

24

Diamond Sideroad

Bryant Sdrd

Sideline 2

Sideline 4

Westney Rd

Riverside Dr

Church St

Ajax

Howden Rd

26

19

Raglan Rd

Raglan

7 12

Eden Rd

Eldon Rd

Ridge Rd

Grey Sideroad

Rd st Ma Dagmar Rd

Balsam Rd

Greenwood Rd

Taunton Rd

Shirley Rd Coates Rd

Myrtle

Brooklin

Rossland Rd

2

Rd

Myrtle Rd

Ashburn

5th Concession Rd

31

Scugog Line 3

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Brawley Rd

Greenwood

HWY

Bayly St Sandy Beach Rd

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38 West Hill

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Sheppard Ave

Lawrence Ave E

Paddock Rd

Sideline 22

38

31

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Malcolm Rd

Edgerton Rd

Church St

2

Chalk Lake Rd

Mount Zion

70 Brock Rd

Liverpool Rd

Whites Rd

Dixie Rd

Rosebank Rd

Altona Rd 27

Finch Ave

Valley Farm Rd

Concession Rd 3

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Meadowvale Rd

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44

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7

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Beare Rd

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Coxwell Ave

Greenwood Ave

Woodbine Ave

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Morningside Ave

Scarborough 42 St Clair Ave E Rd rth nfo Da

Milner Ave

4th Conc Rd

Plug Hat Rd

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Eglinton Ave E

Sewells Rd

Neilso n R d

Brim o rt on Bellamy Rd

Victoria Park Ave

Midland Ave

Birchmount Rd

Pharmacy Ave

Brimley Rd

Ellesmere Rd

E Ave

Old Finch Ave Rd

Whitevale

Sideline 12

Sideline 14

Sideline 22

Pickering

407

Westney Rd

8th Concession Rd

Sideline 24

Box Grove Steeles Ave E

Tapscott Rd

Nugget Ave

71

Sideline 14

Sideline 16

Sideline 20

Sideline 24

North Rd

Sideline 28

15

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Middlefield Rd

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67

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Proutt Rd

Reach St

Jobb Rd

Uxbridge Pickering Townline

5

Elgin Mills Rd

Glen Major

1

Dicksons Hill

48

D on

Warden Ave

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65 Kennedy Rd

Victoria Square

41 49

McCowan Rd

919th Ave

29

57

Beacock Rd

Pine Rd

Webb Rd

Altona

10th Line

Jefferson

Stouffville 12

Main St

Houston Rd

Lakeridge Rd

Stouffville Rd

14

Pine Pt Rd

Ma Brown’s Rd

Utica

Allbright Rd

Sideline 26

Markham Rd

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Glasgow

Rd

35

Rainbow Ridge Rd

Mabels Rd

L AKE SCUGOG

Scugog Line 6

Ried Rd

Brock Rd

Bethesda Rd

Bethesda

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Epsom

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R

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Sunset Beach Rd

Secord Rd

Demara Rd

Whitfield Rd

Scugog Line 8

Ward Rd

Cottage Rd

7

8

21

47

Whitchurch-stouffville

Sideroad 18A

Brookdale Rd

47

E

28

7 Mile Chandler Dr Island Rd

Harper Rd

Scugog Line 9

HWY

Scugog Line 9

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7

Cross Creek Rd

Pogue Rd

Clements Rd

Till Sdrd

St

D

Ramsey Rd

Linds 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

Royal Oak Rd

Scugog Line 12

Cragg Rd

40 34

Kawartha Lakes

Algonquin Rd

Spadina Sdrd

43Reach

7 12

Marsh Hill

Scugog Line 12

Medd Rd

Goodwood Rd

HWY

Blackwater Rd

Saintfield

B

Taylor Corners

Farmstead Rd

Little Britain Rd

6

Blue Mountain Rd

Marsh Hill Rd

47

Uxbridge

Prouse Rd

Wetheral Sdrd

Sideroad 17

HWY

O’Beirn Rd

Pinedale

Scugog Line 14

Canton Rd 8

Wagg Rd

Hillsdale Dr

Farmstead Rd

Brock-Scugog Townline Rd

1

7th Conc Rd

d

Aurora

7 7th Concession

6

Oakwood

7A

Cambray

GrahamRd

2nd Concession

Victoria Corners

A

18

Manilla

13

Victoria Corners Rd

9

Skyline Rd

9th Concession

6th Concession

Foster Dr

6th Conc Rd

Vandorf Rd

4th Conc Rd

Aurora Rd Lak es

Jesse Thomson Rd

Sideroad 17

13

Ball Rd

Roseville Siloam 3nd Concession Rd

8

4th Concession

23

St Johns Rd

Sunderland

Goos

Quaker Rd

5th Concession

Uxbridge

Ballantrae 15

13

Feasby Rd

e hor

son Dr

St John’s Rd

Wesley Cors

11

2nd Concession Rd

14

48 57

Bayview Ave

ington St

Woodbine Ave

26

Bow St

Cherry St Faulkner Ave

Bogarttown

Zephyr Rd

Weirs Rd

Sandford

Sandford Rd

Sideroad 17A

1

St John’s Sideroad

Vallentyne

Peniel Rd

2

Leaskdale Rd

Ashworth Rd

69

King St

21

Cameron 9

Rd

33 The Glen Rd 34

46

10th Concession

Islay

Rd

9

Valley

Black School Rd

11th Concession

8th Concession

6

Grasshill

Woodville

32 12

10

Davis Dr

Cedar Valley

Vivian Rd

74

23

Linden

Cannington

9th Concession

Vrommanton

St

31

Derryville 12

Woodville

King

2

Concession

30

Brock

Hartley

Lorneville

14th

29

Sideroad 17

Mulock Dr

Udora

Kennedy Rd

York-Durham Line

Newmarket

Brock Rd

Davis Dr

82

Shier Rd

West Franklin

Bales Dr

68

t

8th Conc Rd

19

39

Lake Ridge Rd

ain M

Herald Rd

St

Zephyr

Hollingers Rd

9th Concess ion

Rd Franklin

54

Green Lane

Wilfrid

10th Concession

Fowlers Rd

6th Concession Rd

Mount Albert Rd

13

12

Weir’s Sideroad

65

38

Brewster Rd

5th Concession Rd

Rd

Centre St

ng ndi La

Farr Ave

13

Ravenshoe Rd

39

Meyers Rd

Doane Rd

Bridle Path

51 Morning Sdrd

Cedarbrae

5th Concession Rd

46 East Gwillimbury

28 13th Concession

Rd

Q u a r ter

Lorneville

46

Brock-Thorah Townline East

Concession

21

Old Shiloh Rd

4th Concession Rd

77

Hornes Rd

Smith Blvd

3rd Concession Rd

Queensville Sideroad

Queensville

Cedarbrook Dr Rd

Concession Rd 3 Thorah

Concession Rd 2 Thorah

48

14th

27

Old Homestead Rd

Foot Dafoe St St

48

Doane Rd

45

51

Holborn Rd

Morning Glory Rd

Georgina

Leitch Rd

Cole Rd

26

Dr

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81

Brown Hill

Boag Rd

Maple Hill

8

Orchard Ct

Sand Rd

1 Ho lla nd

Ravenshoe

79

Frog St

3

2nd Concess ion

77

Boag Rd

Rd

18

Prout Rd

38

Holborn Rd

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25

Audubon Way

2nd Concession Rd

Holland Marsh Leslie St

10th Line

32

24

BrockThorah Twnl W

Thorah Beach Port

Point

Virginia

Latimer Rd

Miles Rd Blake Ave

Ravenshoe Rd

Rd

Carley Rd

The Queen sway

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Island View

Rd

Sutton

Park Rd

Pollock Rd

Glenwood Ave

ne 12

Sideroad

23

Lasher La Valley Vie w Dr

Mile Lane nt ry Bethel Side Rd

Cryderma n’s Rd

Morton Ave

River

Rd

Lloyd Sdrd

22 Cou

COOK’S BAY

Black Hi

Rd 9 ing

Baldwin Rd

ne 13

Briars 80 Pk

Maple Beach

Duclos Point

P e ff e r l a w

21

Old Homestead Rd

Fennell

drd

Base Line Rd

8A Lockie Sd Rd

Church St

Gilford Rd

se Rd

Jacksons Point

3

Rd

e dge

Stoney Batter Rd

20

Rd

Park Rd

19

Deer Park Rd

Boyers Sideroad

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St gh

DeGrassi Point

The Que ensw ay

3

Line

20th Sideroad

18

Harbour St Pine Ave

Killarney Beach Rd

Roches Point

Island Grove

Metro Rd

Willow Beach

Dalton Rd

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39

3rd

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H

Belle Aire Beach Rd

Lake

Dr

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Mapl

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23

Nantyr Park

Civic Cen tre Rd

20th Side road

Line

Line

Virginia Blvd

7th

6th

Cate r

Nantyr

John’s Rd

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