GTA New Home Guide - Jul 23, 2016

JULY 23 - AUG 20, 2016 VOLUME 24, ISSUE 14, FREE (4 WEEK ISSUE)

GTA EDITION

UNDER CONSTRUCTION MOVE IN NEXT YEAR

INSIDE THIS ISSUE

5 WAYS TO MAKE BUYING A HOME MORE AFFORDABLE

WHY YOU SHOULD BUY FROM A REGISTERED BUILDER

TURN YOUR LIVING ROOM INTO A GREAT ROOM

GRAND OPENING IN VAUGHAN

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COMING SOON BRAMPTON Mayfield Village

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contents JULY 23 - AUGUST 20, 2016 | VOLUME 24 ISSUE 14

30

ON THE COVER

Dunpar Homes Trafalgar Ridge — your hedge against housing inflation

+ online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

property profiles

neighbourhood profile

20 Treasure Hill Homes

62 Willowdale

Shift offers urban town living in Pickering

24 Fieldgate Homes

New release of detached homes at Valleylands

Convenience and community in uptown

trending

12

34 Madison Homes WITH

DYNAMIC MAPS

LOOK FOR THE CIRCLE

The legacy continues with REALtowns in Thornhill

66 Mattamy Homes

A lifetime of memories in Kleinurg Summit

16

CREA

Toronto and Vancouver continue to skew Canadian home sales

Bank of Canada

Maintains Interest rate but repeats warning on housing

2 YPNEXTHOME.CA

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0

inspiration

38

Design Secrets

The new living room

by Jane Lockhart

58 Designer Advice Conceal and Reveal

by Yanic Simard

70

34

72

Sarah Richardson

Luxury is in the eye of the beholder

Decor Tips

How to buy a new couch

advice

10

BILD Report

Building industry hosts affordable housing forum

by Bryan Tuckey

14

Fundamentally Speaking

Four tips to buying your first home

by Wayne Karl

28 Mortgage Advice

20 32

GTA Housing

A tale of two markets

40 Children’s Discovery Centre

Buy a $25 brick and help build a family-friendly city

42 Market News

How to plan for millennials at home

44 Housing Affordability

Municipal land-use regulation negatively impacting housing affordability

46 Industry News

Will female-only courses fill the gap in the trades?

48 Tarion

Introducing a new website

66

Five ways to make buying a home more affordable

by Alyssa Richard

36

50 Foreign Buyers

How the housing market and industry are adjusting

by Howard Bogach

56 Legally Speaking

Deciphering legal language

52 Kylemore Communities

Hosting the 19th Annual Community Event

54 CIBC Poll

Millennials and Gen Xers are less confident that they’ll meet financial goals

64 BILD

Members raise more than $35,000 for charity

68 Raw Shift

A one-night-only flash architecture installation

Tarion Report

Make sure you deal with a registered builder

by Jayson Schwarz

buyers’ resource section

74

77

Hot Properties

New releases, openings and preview registrations

Mortgage Rates

in every issue

4

Editor’s Note

6

Contributors

78

What’s Online

79

Advertiser Index JUL 23 - AUG 20, 2016 | NEW HOME GUIDE 3

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Editors' Notes

EXPLORE WILLOWDALE

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

TAKE A TOUR ONLINE ypnexthome.ca/willowdale

Getting good advice When you tell people you’re shopping for a place to buy, you’ll find almost everyone will want to share their own experience. Some will offer personal advice while others will frighten you with details about a “friend’s” disastrous experience. With so many variables, it can be hard to figure out what’s actually good advice.

It’s always best to get advice from the experts, especially when it comes to buying a home. No matter what your Uncle Joe says, when you’re

equipped with the right expert advice for your situation, you can move forward by making confident decisions that are right for you and your family.

Much of what you’ll want to know about the road to finding the perfect place is right here in this magazine. If you don’t find what you’re looking for, write to us and we’ll help get you an answer from one of our experts.

Let us know how your search goes.

We’d love to hear from you.

Housing policy under watch

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

+ get social

The Bank of Canada recently made its latest interest rate announcement and Monetary Policy Report.

As expected, the BoC again held its overnight rate target at 0.5 per cent.

With its Monetary Policy Report and other moves from the federal government, however, many experts expected action.

Though none was forthcoming in the July report, potential changes in mortgage regulations and housing policy seem inevitable in the coming weeks or months. In June, federal Finance Minister Bill Morneau commissioned a joint federal,

provincial and municipal working group to study the housing market, largely to address market stresses in Toronto and Vancouver.

The challenge with any action to tackle skyrocketing prices and declining affordability in these cities will be to not negatively affect other markets where such characteristics do not exist.

Markets such as Calgary, Edmonton and other parts of Canada are experiencing very different conditions than Toronto and Vancouver. Indeed, if anything, they need changes to help, not hinder homebuying activity.

Interact with us on social media: ypnexthome

4 YPNEXTHOME.CA

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Contributors

BILD REPORT

BRYAN TUCKEY Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta), Youtube (youtube.com/bildgta) and BILD’s official online blog (bildblogs.ca)

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill 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 ASSOCIATE PUBLISHER, NEW HOME & CONDO GUIDE, SOUTHWESTERN ONTARIO

DESIGNER ADVICE

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

Susan Maxwell EDITOR

Wayne Karl ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

Sonia Bell, Sara Duck (on leave), Elisa Krovblit, Jackie Marchildon, Lydia McNutt (on leave)

MORTGAGE ADVICE

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

SENIOR ACCOUNT EXECUTIVE

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

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

TARION REPORT

Terry Basset

HOWARD BOGACH

NATIONAL CIRCULATION MANAGER

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.

John Jenkins

PRODUCTION MANAGER

Helen Pearce PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic GRAPHIC DESIGNERS

DESIGNER ADVICE

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

LEGALLY SPEAKING

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

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

MONEY MATTERS

Miguel Cea, Mike Terentiev

Published by

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

ADVERTISING Call 416.626.4200 for advertising rates

and information.

CIRCULATION 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

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

Follow Gail on Twitter at twitter.com/GailVazOxlade

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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Bleed: 0.125”

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COMING SOON UPSCALE, NATURAL LIVING IN KLEINBURG SUMMIT

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Fully connected to the city. So much comes together here to make Kleinburg a most distinctive place to call home. In that spirit, we’re delighted to announce that we’ll soon be opening our brand new community of Kleinburg Summit – offering a breathtaking range of upscale Town and Detached designs. Prepare to make a lifetime of new memories in Kleinburg Summit.

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REGISTER TODAY AT

mattamyhomes.com

All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

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9

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Advice | BILD REPORT

Building industry hosts affordable housing forum

By Bryan Tuckey

MORE ADVICE ONLINE ypnexthome.ca/news/advice

THE INADEQUATE SUPPLY OF

affordable housing is a massive and growing problem in the GTA, and one that governments at all levels are actively working to address.

The home building and land development industry wants to be part of the solution, so we recently brought together some of the smartest minds on the subject to discuss the challenge of our lack of affordable housing stock and identify creative ways to build more.

BILD members provided the industry’s perspective and we invited not-for-profit developers, government colleagues and other stakeholders to the table as well.

With representatives from each sector, small groups shared ideas for improving policy, creating financial incentives and other factors that are needed to increase the supply of affordable housing.

To inspire the discussions, we brought in Tom Bledsoe, president and CEO of the Housing Partnership Network, to give a keynote address on the how affordable housing has been built in the U.S. and the U.K. A renowned expert on delivering partnership-based affordable housing, Tom shared a number of examples of how other cities are trying to address affordable housing challenges similar to the GTA. In cities like San Francisco, New York, Seattle and London, affordable housing is being built through private, public and non-profit sector

partnerships. For example, in San Francisco, the city has been able to increase the number of affordable housing units through a partnership model and through incentives like capital subsidies and bonds to forprofit and not-for-profit developers of affordable housing projects.

In New York, the government has been successful in increasing affordable housing by offering tax abatement programs that reduce the amount of property tax owed on properties under construction. There are also capital subsidies and policies like inclusionary zoning but the majority of affordable housing has been built by for-profit developers who take advantage of the tax policy.

There is no single way to deliver affordable housing, Tom said. Policies that mandate affordable housing units as part of a larger project exist but they are only one piece of the puzzle.

In all of his successful project examples public policies were supported by a toolkit of financial incentives and programs and a desire from both the public and private sectors to work collaboratively.

Here in the GTA, building more affordable housing will also take strong partnerships and a willingness

to work together to find creative ways to make these projects feasible.

Affordable housing projects or development projects that include affordable housing units still need to make economic sense and government partners can help by providing incentives like fast-tracking approvals for projects that include affordable housing; tax breaks; and zoning for appropriate height and density to help make the business case for these projects.

While many GTA municipalities are considering public policies that will mandate affordable units in a larger development project, our industry believes there are other proven methods to achieve the same result.

The wide range of ideas discussed at our event will culminate in a whitepaper to be released later this year.

What do you think is needed to get more affordable housing built in the GTA? Join the conversation on Twitter at @bildgta.

Bryan Tuckey is president and CEO of the Building Industry and Land Development Association and a land-use planner who has worked for municipal, regional and provincial governments. Follow him on Twitter @bildgta, facebook.com/bildgta, and bildblogs.ca

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Trending

Toronto, Vancouver continue to skew Canadian home sales

HOUSING ACTIVITY IN TORONTO

and Vancouver continues to skew the Canadian home sales picture, as these two markets experience characteristics that are very different from the rest of the country.

Statistics from the Canadian Real Estate Association (CREA) show national home sales declined further in June 2016, by 0.9 per cent month-over-month in June 2016.

Monthly declines in each of the past two months have left sales activity 2.6 per cent below the record set in April 2016.

“While national sales activity remains strong, there are still significant differences in housing market trends across Canada,” CREA President Cliff Iverson says. “While home sales activity and price growth are running strong in B.C. and Ontario, they remain subdued in other markets where homebuyers are cautious and uncertain about the outlook for their local economy.”

“June sales extended trends observed the previous month,”

adds Gregory Klump, CREA’s chief economist. “As was the case in May, the monthly decline in national sales activity was led by the Lower Mainland of British Columbia and markets in or around the GTA. In keeping with the law of supply and demand, exceptionally low inventory combined with high demand continues to translate into strong price growth in these housing markets, where year-over-year price gains have been running in double-digit territory since late last year.”

The number of newly listed homes rose by 2.2 per cent in June 2016, compared to May. New supply climbed among a broad majority of all local markets, led by Greater Toronto, Oakville-Milton, Montreal, Quebec City and B.C.’s Fraser Valley. The return of activity in Fort McMurray following its evacuation in May also contributed to the national increase in new listings.

As for average home prices, the Aggregate Composite MLS Benchmark rose by 13.6 per cent year-over-year

to $564,700 in June 2016, the largest gain since December 2006.

For the fifth consecutive month, year-over-year price growth accelerated for all Benchmark property types tracked by the index.

Two-storey single-family home prices continued to post the biggest year-over-year gain (15.5 per cent), followed by one-storey single-family homes (14 per cent), townhouse/row units (13.6 per cent) and apartment units (9.8 per cent).

While prices in 9 of the 11 markets tracked by the MLS HPI posted yearover-year gains in June, price growth continues to vary widely among housing markets.

Greater Vancouver (32.1 per cent) and the Fraser Valley (35.5 per cent) posted the largest gains, followed

by Greater Toronto (16.0 per cent), Victoria (15.7 per cent) and Vancouver Island (10.6 per cent).

By contrast, year-over-year prices were down -4.1 per cent in Calgary and -1.4 per cent in Saskatoon.

Home prices gained further traction in Regina (3.6 per cent year-overyear), Greater Montreal (1.9 per cent) and Ottawa (1.0 per). Home prices in Greater Moncton recorded their eleventh consecutive year-over-year gain, rising 7.9 per cent.

The national average price continues to be pulled upward by sales activity in Vancouver and Toronto, which remain two of Canada’s tightest, most active and expensive housing markets. The actual (not seasonally adjusted) national average price for homes sold in June 2016 was $503,301, up 11.2 per cent year-over-year.

If these two housing markets are excluded from calculations, the average price is a more modest $374,760, and a 8.4-per-cent yearover-year gain.

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Advice | FUNDAMENTALLY SPEAKING

Buying your first home?

Four tips to help guide your decision

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WHEN YOU’RE BUYING YOUR FIRST

home, you are sure to be filled with many important questions. How much can you afford? How much will it all cost? Where do you really want to live, and can you afford the area? And, finally, what type of home do you want? The answers are very individual: it really depends on your situation – from the amount of your down payment to where you work to whether you have kids to other personal circumstances.

For your enjoyment while you live in your home, as well as for future resale potential, proximity to transportation, shopping, schools and other amenities is among the key determinants that affect your property’s appeal, and ultimately its value. After all, those are the qualities potential buyers look for when searching for a home; the more of them your house has when you go to sell, the more it will be attractive to a greater number of people.

While experts suggest you take a long-term view when buying a home, it’s also important to not look too far down the road.

Let’s be honest, your first home may not be your dream home, and your needs and desires are sure to change throughout the various stages of homeownership.

So, while the answers to the above questions are specific to circumstances, there are also some common guidelines you can follow.

1. How much can you afford?

Experts agree it is never a good idea to make yourself house-poor, and it is a very common mistake, particularly of first-time buyers, to buy more home than you can really afford. Meeting with a mortgage broker or your banker will help determine your full financial picture, assessing everything from your credit rating to how much you have saved for a down payment.

Experts also suggest you “stresstest” your plan to see how well you could cope with higher mortgage payments brought on by rising interest rates.

your transportation options include mass transit or only driving.

Indeed, proximity to mass transit is something more and more people are looking for in their new home location. It may not be as simple as choosing to live in the city, suburbs or a small town.

4. What type of home do you want?

Once you have determined your options for cost and location, you can then assess what types of homes are available in your price range and desired neighbourhood: Single-family detached, semidetached, townhome, duplex or condo?

2. How much will it really cost?

Another common homebuyer mistake is not being prepared for all the closing costs involved: lawyer fees, land transfer taxes, utilities, insurance, and home inspection and appraisal fees and insurance. All of these costs add up, and ultimately should factor into your overall home-shopping budget.

Some many questions, so many choices. The good news is, home builders today are in sync with customer preferences for location and amenities, and with market realities with regard to pricing and needs for energy efficiency, so your options for new-home product have never been better.

3. Where do you want to live?

This question is becoming more important for a number of reasons, though influenced primarily by where you work, how much of a commute you want and whether

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics 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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Lebovic Campus Drive

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Madisonhomes.ca Rendering is artist’s concept. Price and specifications are subject to change without noticed. Marketed by International Home Marketing Group. E. & O. E. July 14, 2016.

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Trending

BoC holds interest rate but repeats warning on housing

By Wayne Karl

THE BANK OF CANADA AGAIN

maintained its target for the overnight rate at 0.50 per cent in its interest rate announcement on July 13, citing a spotty performance of the Canadian economy, but also repeated an earlier warning about the housing market.

While the Bank’s Monetary Policy Report, released the same day, stopped short of calling for to action to tackle rapid house price increases in Vancouver and Toronto, Governor Stephen Poloz did issue another warning that the risks in these two markets are “elevated and rising.”

“We continue to have the same concerns that we expressed in our June Financial System Review about household indebtedness and housing, particularly in the Greater Vancouver and Toronto markets,” Senior Deputy Governor Carolyn Wilkins said. The sharp rise in housing prices in these markets is not supported by economic fundamentals.

“House price growth, year over year, of 10 to 20 per cent… just doesn’t look like the growth in the fundamentals is going to keep up, so it’s in that sense that we say the growth rates are unsustainable.”

While few experts predicted any movement on the interest rate front, some did expect a call to action on housing in the policy report.

“There’s a lot of conversation happening around the Canadian housing market, especially with regards to Vancouver and Toronto,” Alyssa Furtado, CEO of ratehub. ca, told New Home Guide. “While some were expecting housing to have a greater profile in the report, we don’t yet have new and exciting information on the market to share. …continued on page 18 16 YPNEXTHOME.CA

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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 Limited number remaining! Singles & Freehold Towns from the upper $500’s COMING 2016 NEIGHBOURHOODS OF MOUNT PLEASANT - BRAMPTON New Contemporary Freehold Townhome designs coming this Fall Register at Rosehavenhomes.com AFFINITY CONDOMINIUMS ALDERSHOT / BURLINGTON 2 Contemporary Mid-Rise Condominium Buildings from the upper $200’s Register at AffinityCondo.com ANCHOR WOODS HOLLAND LANDING 45’ & 38’ Singles and Semis just north of Newmarket Register at AnchorWoods.ca COMING IN 2017 ON THE RIDGE - STONEY CREEK Introducing Freehold Towns Register at LiveOnTheRidge.ca TIFFANY HILL - ANCASTER Phase 2 Luxury Singles & New Freehold Towns Register at TiffanyHill.ca 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.

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…continued from page 16

“We continue to have the same concerns that we expressed in our June Financial System Review about household indebtedness and housing, particularly in the Greater Vancouver and Toronto markets”

The government has promised funding to monitor the housing market, and when we start seeing some of that data come to light, it’ll be a more exciting time to talk about the issues and what kinds of policy needs to be in place to address it.”

An actual rate hike from the Bank of Canada isn’t expected until as late as 2019, according to some analysts, Furtado adds. “But if we see changes from the Department of Finance or CMHC in the coming weeks or month, it could possibly be regarding another change to the down payment requirements – moving the minimum to 10 per cent across the board – or changes to the land transfer tax within Toronto and

Vancouver, specifically. There have been similar changes in the last few years, intended to cool the market and it hasn’t worked. We shouldn’t be surprised if additional measures are taken.”

As for the Canadian economy at large, the BoC says the quarterly pattern of growth has been uneven.

Real GDP grew by 2.4 per cent in the first quarter, but is estimated to have contracted by one per cent in the second quarter, pulled down by volatile trade flows, uneven consumer spending and the Alberta wildfires. A pick-up to 3.5 per cent is expected in the third quarter, as oil production resumes and the rebuilding begins in Fort McMurray.

Consumer spending is also expected to get a boost from the Canada Child Benefit.

Real GDP is expected to grow by 1.3 per cent in 2016, 2.2 per cent in 2017, and 2.1 per cent in 2018.

The Bank projects above-potential growth from the second half of 2016, lifted by rising US demand and supported by accommodative monetary and financial conditions.

Federal infrastructure spending and other fiscal measures announced in the March budget will also contribute to growth. Despite recent volatility, the Bank expects the underlying trend of export growth to continue, leading to a pick-up in business investment. Higher global oil prices are helping to stabilize Canada’s energy sector and household spending is expected to increase moderately.

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NEW PHASE NOW OPEN

Introducing a new release of 36’ and 40’ detached homes in Summerlyn Village, Bradford • Exceptional value – up to $300,000 less than the GTA • Spacious designs featuring two car garages, 9 foot ceilings, natural oak hardwood on main level and staircases • Parks, walking trails and acres of protected greenspace • Just minutes from Bradford GO Station

36’ and 40’ Detached Homes 1,475 - 3,270 sq. ft. from

$680S

Hwy. 400

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

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

Holland St.

BILD 2016 BUILDER OF THE YEAR

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.

019-GreatGulf-Summerlyn 07-23-16.indd 19

2016-07-19 11:09 AM

Property Profile | TREASURE HILL HOMES

Urban town living is coming to Pickering

TREASURE HILL HAS BECOME ICONIC for its innovation and urban living standards. The company has done it again with its latest community Shift, set to launch this fall 2016.

Bringing modern architecture to a charming community, Treasure Hill is offering urban town living in the heart of Pickering.

Highlighted by first class design and contemporary finishes, Shift blends thoughtful living spaces with modern design. The stunning exterior catches your eye at first glance, complemented by the additional urban details that went into perfecting the interior design.

One of Treasure Hill’s greatest assets is selecting premium locations for its new communities. Shift is a prime example of this. Pickering’s popularity is no surprise given the bountiful amenities in this beautiful city. Offering an abundance of greenspace with various parks and trails, as well as the popular Pickering Waterfront, living in Pickering offers a peaceful getaway and comfortable lifestyle. …continued on page 22

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URBAN TOWN LIVING

REGISTER TODAY

COMING SOON

COMING SOON

AURORA

PICKERING

*Information correct at press time. Illustration is artist’s concept. E. & O. E.

TREASUREHILL.COM 21

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“Treasure Hill aims to build quality homes, utilizing the best materials as well as excellence in craftsmanship.“

Location

Pickering Builder

Treasure Hill Homes …continued on page 20

Development

Shift Located at Brock Road and William Jackson Drive, Shift is perfectly situated. Moments away, you will find the best of Pickering including fantastic shops, restaurants and recreation centres. A quick fiveminute drive and you will find yourself in Downtown Pickering, where you can enjoy shopping, eating and discovering this vibrant city. Just a few blocks away, you will find the softer side of Pickering. A less than 15-minute drive will lead you to the waterfront on the shores of Lake Ontario, where you can spend time relaxing and enjoying the picturesque water views. Nautical Village, a community of local businesses at the

Pickering waterfront, is a great place to enjoy quaint shops and cafes in a breath-taking natural view.

When it comes time to commute, you will have easy access to the rest of the GTA. Located moments away from the Hwy. 407 and 404, as well as the Pickering GO Station, commuting is a stress-free experience.

Treasure Hill aims to build quality homes, utilizing the best materials as well as excellence in craftsmanship.

Their mission is to provide modern homes that meet and exceed the highest standards. Their experts take you through a journey of buying a new home and turn it into one of the most memorable experiences you will

Home Type

Urban townhomes Contact

treasurehill.com have. A Treasure Hill home combines all the essential elements, but most importantly, it is a place you will truly want to call your home. Discover your treasure here.

The best of urban living and residential convenience blend together. Have it all by registering now to stay updated on the latest information about Shift at treasurehill.com

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2016-07-19 4:43 PM

NOW OPEN IN WHITBY!

Spectacular upcountry living.

At Country Lane, a magnificent new master planned community has just been unveiled in Whitby, beginning with a superb selection of luxurious fully detached homes.

Welcoming entrance gates. Unique and engaging streetscapes. Traffic-calming roundabouts.

A community park and greenspace. It’s everything you want in a new home and a neighbourhood – all just minutes from GO, 401, and the new Highway 412 link to the 407.

Together Andrin Homes and Heathwood Homes have designed a spectacular collection of homes, in a Whitby setting that provides the perfect place for your family to put down roots.

Visit our Sales Offices TODAY while a selection of superb 26’, 36’ and 45’ lots still remains!

Hours: Mon-Thur: 1pm - 8pm Fridays: Closed Sat, Sun, & Holidays: 11am - 6pm

905-442-0189

647-287-7042

Hours: Mon-Thur: 1pm - 8pm Fridays: 12pm – 6pm Sat, Sun, & Holidays: 11am - 6pm

Sales Office: 4145 Country Lane, Whitby

Learn more: CountryLaneWhitby.com Prices and specifications are subject to change without notice. E. & O. E. Renderings are artist’s concept.

HEAT-COU-A-AD-NHC-14JULY2016-F.indd 1 023-Heathwood-CountryLane 07-23-16.indd 23

2016-07-14 10:27 AM 2016-07-19 11:09 AM

Property Profile | FIELDGATE HOMES

Visit Valleylands in West Brampton to see the

latest release from Fieldgate Homes TIME AND TIME AGAIN, when we ask our homeowners why they chose to buy a Fieldgate home, we get some pretty familiar answers.

Many say that the deciding factor was Fieldgate’s award winning floorplan designs, while others say it was the beautiful masterplanned community design. Whatever your reason for choosing Fieldgate, with New Releases coming soon to all three of our current new home communities, we’re confident that you will find a home that you’ll love in 2016 with Fieldgate Homes.

ABOVE

The Hudson A elevation, 3,470 sq. ft., five-bedroom

Valleylands – West Brampton Visit the sales centre today to see the latest release of detached homes. Boasting a fantastic selection of single detached 38- and 50-ft. designs from the $800’s, discerning homebuyers are going to like what they see when they discover these impeccably crafted luxury homes. …continued on page 26

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JUL 23 - AUG 20, 2016 | NEW HOME GUIDE 25

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…continued from page 24

“At Valleylands, the best of west Brampton living is literally at your doorstep.”

At Valleylands, the best of west Brampton living is literally at your doorstep. 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.

Nature lovers can soak up the Credit River landscape at nearby El Dorado Park and golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance. If that weren’t enough, the commute to Toronto is a breeze with Hwys. 401 and 407 just minutes away.

Coming Soon – Stouffville, Kleinburg & West Whitby An all new release of 36-, 40- and 50-ft. detached homes will be coming soon to Stouffville’s popular Blue Sky Community. In this popular community setting, GTA homebuyers have a lot to look forward to.

Impressions – Kleinburg Register for the next release at Impressions in Kleinburg, featuring a stellar collection of luxurious family residences in a charming village setting. Featuring exquisite single detached 38- and 44-ft. homes starting from more than $1 million, you can discover a lifestyle of true comfort and prestige in this exceptional family community.

Throughout all of the GTA, there’s no place quite like the Village of Kleinburg. Perfectly nestled between the east and west branches of the Humber River, Kleinburg offers all the pleasures of small town life just minutes from the big city conveniences of

Vaughan and the surrounding area.

Vaughan’s many other charming neighbourhoods also offer convenient shopping destinations – such as Vaughan Mills – boasting a host of major retailers and top name brands. Commuting is made easy with Hwys. 27, 400, 427 and 407 all just minutes away.

Our next master-planned

community is Whitby Meadows.

It will feature an exceptional selection of 30-, 36-, 42-ft. single detached homes, semis and freehold townhomes in west Whitby’s finest natural setting.

To register for the next release at any of our three current communities, please visit fieldgatehomes.com

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Advice | MORTGAGE ADVICE

5 ways to make buying a home more affordable

By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

A RECENT BMO SURVEY FINDS nearly

one-third of millennials don’t think they’ll ever be able to afford a home.

Although many believe they can’t afford to buy, it is possible.

Here are some tips on how to make purchasing a home less costly: Save: Setting realistic financial expectations, creating a savings plan and establishing a budget for before and after the purchase can help determine what is truly affordable Use a mortgage affordability calculator to determine what your purchase price can be and understand all the costs involved in buying a home. Think not only of the down payment and mortgage payments, but also of the taxes, insurance, and upkeep you’re going to have to pay. The nest egg you accumulate by being frugal and resourceful shows lenders that you’re responsible, making it easier to qualify for the best mortgage rates available.

Saving doesn’t mean giving up every pleasure in life. It implies a degree of moderation and discipline.

Think of your future home as a monthly bill now and put aside a little bit each month. Pay close attention to your credit score as well. Missing even one credit card payment can stay on your credit reports for as long as 10 years and affect your dream of owning a home.

Avoid a high-ratio mortgage: A highratio mortgage is when a buyer makes a down payment of less than 20 per

cent. Homebuyers can put down as little as five per cent when they buy a home, but they’ll also need to pay for mortgage default insurance.

The less money you put down, the higher your mortgage insurance costs will be. For example, if you purchase a $450,000 home with five per cent down, you’ll have to pay $15,300 in mortgage default insurance, which is added to the amount of your mortgage. If you make a 20 per cent down payment, you’ll need to come up with more money but you’ll also save thousands of dollars because you won’t need to pay for mortgage insurance.

great source of funding for a down payment is the Home Buyers’ Plan (HBP). The Canadian government allows first-time homebuyers to borrow up to $25,000 tax-free from their registered retirement savings plan (RRSP). If you’re purchasing with someone who’s also a first-time homebuyer, you can both access $25,000 for a total of $50,000. You don’t have to be married to qualify because common-law partners are also eligible. However, since the HBP is considered a loan, it must be repaid over a 15-year period. Repayments start in the second year after you withdrew the funds.

Lower your expectations: It can be difficult to find the perfect home in your desired location. There’s no shame in buying a fixer-upper in a less desirable neighbourhood and spending the money to do some renovations. It’s a good investment and is even better if you can do it yourself. As others buy in your neighborhood and renovate their homes, your property will become more valuable. Then you have a choice: You can sell your modest first home for more than you bought it for or stay put and enjoy.

Become a landlord: Buying a home with a basement apartment and a tenant can help pay off your mortgage faster. But you shouldn’t count on the rent you receive to cover all of your mortgage costs.

You should be prepared for the unexpected. Even the best tenants move out and your lender will still expect you to make your mortgage payments on time.

Tap into government resources: One

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

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2016-07-19 AM 2016-06-06 11:09 1:25 PM

Property Profile | DUNPAR HOMES

cover story

Dunpar Homes Your hedge against housing inflation IN THE PAST FEW MONTHS, Toronto’s

real estate market has become crazy hot. Escalating prices from wild bidding wars have put lowrise homes out of reach for many families. The situation has caused a shortage of supply since many homeowners are reluctant to sell for fear of not finding an affordable replacement. As for condos, the prices have remained the same, but the square footage has dropped. Besides, not everyone wants to live in a condo.

The townhome is an attractive alternative, giving tons of space and coming in at a doable price point because smaller footprints mean lower land costs. Trafalgar Ridge, for example, is an exclusive Oakville

enclave of 112 luxury townhomes

by Dunpar Homes. Thanks to the smaller footprint – several large lots combined to create the townhome enclave – it’s in a premium location close to shopping, great schools, greenspace and major transportation routes.

Even though the townhomes are considered luxury real estate – and they’re in an area with skyrocketing prices – they represent good value for money, with substantial square footage (1,940 to 2,800 sq. ft.) and priced from the $700’s.

Location, location, location Trafalgar Ridge can’t be beat for location: walking distance to Oak Park

Plazas at Trafalgar and a short drive to Oakville Place; easy access to the major transportation routes of QEW, 401 and 403, as well as local transit and GO Train; and walking distance to Sheridan College.

The site was chosen carefully and intentionally, abiding with the builder’s mission to create vibrant and sustainable communities in hubs with all amenities – shopping, good schools, greenspace, transit and highways. Residents of Trafalgar Ridge also have a huge selection of nearby parks – Castlefield, Oak Park, Laurelwood and Pelee.

Dunpar is committed to creating communities where families can thrive, raise their children in safety,

Location

Oakville Builder

Dunpar Homes Development

Trafalgar Ridge Home Type

Luxury townhomes from 1,940 to 2,800 sq. ft.

Contact

416.318.9112 dunparhomes.com

with access to good education and a healthy amount of outdoor activity. It’s been well documented that access to nature is beneficial for health and well-being, reducing anxiety, increasing ability to study and positively affecting physical health as well.

While greenspace is plentiful, the location is near enough QEW, 401, 403, and the Oakville GO Station, for convenient commuting to Mississauga, Toronto, Burlington.

Luxury on a dime Because a goal of Dunpar Homes is to build within the context of the chosen community, the Georgian style design of Trafalgar Ridge is deliberately consistent with the surrounding neighbourhoods.

Exterior features also reflect the high-end feel of the neighbourhood – community landscaping, two-car garages, custom natural Indiana limestone, natural stone planter boxes and artisan hand-tumbled clay bricks for an authentic texture.

Most of the luxury isn’t visible from the street, though. At 1,940 to 2,800 sq. ft., the townhomes are luxurious with space. And John Zanini, CEO of Dunpar Homes, personally oversees the space planning at the architectural design stage. “I’m basically a professional space planner, and like to build from the inside out with every square inch planned to work,” he says. “The master can easily fit a king bed with two end tables and still allow for circulation. All spaces have been planned to work in a

generous manner.”

Among the interior features are ceiling heights of 9.5 ft. on the main floor, kitchens with granite or marble counters, smooth ceilings throughout, quality custom cabinetry and stainless steel kitchen appliances, a master ensuite with double sinks and marble counters, efficient HVAC system and above-code insulation.

The low cost of low maintenance Another hidden benefit of townhomes is how low maintenance they are. Less yard to worry about but still excellent outdoor access to tons of local parks. And Dunpar has

taken low maintenance to another whole level because part of your luxury living package at Trafalgar Ridge includes outdoor landscaping and snow removal.

Trafalgar Ridge is under construction and occupancy is scheduled for the early 2017.

Limited Time Upgrade package included with your new home. Call for details.

For information on Trafalgar Ridge, visit us online at dunparhomes.com Sales office is by appointment only.

Please call 416.318.9112 to schedule an appointment.

Trending

A tale of two markets in GTA housing THE GTA HOUSING LANDSCAPE

continues to be a tale of two markets, as sales of new highrise homes surged in May, while lowrise inventory fell to a new record low, according to the Building Industry and Land Development Association (BILD).

In May, there were 3,623 new highrise units sold, making it the second-highest month on record for highrise sales. Only November 2011 saw more new highrise condos sold in the GTA. At the same time, the supply of lowrise homes in the GTA housing market reached a new record low of 1,985 homes. This is the first time that builders’ inventory of new detached, semi-detached and townhomes in the GTA has fallen below 2,000 homes. Ten years ago in May 2006, there were 16,420 lowrise homes in builders’ inventory.

Total inventory of new homes in May declined to 19,209 units, down from 29,754 in May 2006.

Highrise inventory in consisted of 17,224 homes, compared to 13,334 a decade ago.

MORE TRENDING ONLINE ypnexthome.ca/news

“The industry is following the Province’s Growth Plan intensification policies which emphasize highrise development in the GTA,” says BILD President and CEO Bryan Tuckey. “Nine out of 10 of the new homes available for sale in the GTA are highrise and midrise condominiums.”

The launch of two major condo projects in Vaughan and Ajax contributed to the strong highrise sales, according to Altus Group, BILD’s official source for new-home market intelligence. May highrise sales were up 76 per cent from a year ago, and nearly double the 10-year average of 1,896.

The average price of a new lowrise home in the GTA reached yet another new record high in May, when it climbed to $875,154. After surpassing the $1-million mark for the first time in March, the average price of detached homes grew to $1.12 million in May. “A shortage of serviced developable land in the region is significantly reducing the supply of new lowrise homes brought to market and helping drive up prices,” says Tuckey.

“Healthy levels of condo supply, combined with creative suite designs that maximize each square foot of space, have helped keep homeownership within reach for the many buyers who have been priced out of the lowrise market,” he adds.

The average price of a new highrise home was $454,304, a three-per-cent increase from May 2015. The average price per square foot in May was $573, and up three per cent from last May. Lowrise sales declined 15 per cent from May 2015, with 2,091 homes sold.

Highrise sales recorded increases in all GTA regions except Halton, with the highest increases coming in Durham and York Regions.

May new-home sales by municipality: MAY ‘16

LOWRISE

HIGHRISE

TOTAL

REGION

2014

2015

2016

2014

2015

2016

2014

2015

2016

Durham

296

252

502

47

27

602

343

279

1,104

Halton

188

310

408

105

118

107

293

428

515

Peel

423

874

738

58

186

206

481

1,060

944

Toronto

222

157

12

1,604

1,281

1,476

1,826

1,438

1,488

York

752

855

431

234

441

1,232

986

1,296

1,663

GTA

1,881

2,448

2,091

2,048

2,053

3,623

3,929

4,501

5,714

January-May

7,780

9,492

9,342

8,429

8,283

10,571

16,209

17,775

19,913

Source: Altus Group

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SOMETHING S OMETHING METHING

NEW IS COMING SOON

TO NEWMARKET ctor WOW Fa

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Luxuriously appointed interiors.

Meticulous craftsmanship in every detail.

2 and 3 Storey Townhomes

Attractive, safe streetscapes are just one of the things factored in to impress at Glenway in Newmarket.

Detached Homes and Bungalows on 50’ and 55’ Lots

Begin every day with wow! Register for Phase 2 Today

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

JUL 23 - AUG 20, 2016 | NEW HOME GUIDE 33

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Property Profile | MADISON HOMES

Madison Homes’ legacy continues with REALtowns in Thornhill JUST STEPS FROM Bathurst Street,

north of Rutherford Road, Madison Homes will soon begin another exciting legacy in Thornhill, Vaughan.

Madison Homes has had a presence in Thornhill since 2009 with Legacy and Thornhill Ravines Communities.

The neighbourhood has transitioned significantly since then, developing into a thriving, diverse and well-maintained community offering an incredible range of amenities for all lifestyles. This fall, Madison Homes

will release 79 contemporary-styled townhomes located at the corner of Lebovic Campus Drive and Ilan Ramon Boulevard called REALtowns – continuing Madison’s tradition of real value and innovation in new home design.

Madison’s REALtowns will offer spacious three- or four-bedroom floorplans on three levels plus a basement, ranging from 2,168 to 2,730 sq. ft. All townhomes will have a private backyard and a front-drive

garage. Madison Homes will offer alternate floorplans to add bedrooms, a home office, study or a casual, flexible space to relax and entertain.

Interior features and finishes will include grand 10-ft. ceilings on the main floor, nine-ft. ceilings on ground and upper levels, oak hardwood flooring on main floor with oak stairs throughout and granite or silestone kitchen countertops. Spacious and functional living areas will be well appointed with refined finishes to be

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“For more than 55 years, Madison Homes has been setting the standard for value, design and customer satisfaction with award-winning residential lowrise and highrise projects across the Greater Toronto Area.”

Location

Thornhill, Vaughan Builder

Madison Homes Development

REALtowns Home Type

Townhomes (freehold and common element condo) from the high $800’s Contact

madisonhomes.ca

selected at Madison Homes’ Design Studio. Be inspired by the wide selection of standard and upgrade options and customize your new home to reflect your personal style.

Whatever your family needs – educational, recreational, medical or spiritual – all can be found nearby.

The impressive Joseph & Wolf Lebovic Community Campus, located directly to the east of this enclave, offers life-enhancing amenities such as a theatre/lecture hall, children’s education centre, cafe and food court, banquet place, arts discovery centre and a health and wellness centre. The Schwartz/Reisman Community Centre, a 100,000-sq.-ft.

facility on the grounds of the Lebovic Community Campus, features a state of the art sport and recreational hub, including an aquatic centre and outdoor pool. Enjoy nature at its best with many quiet gardens, parkettes, walking and biking trails and greenspaces in every direction. Walk over to the Rutherford Marketplace that features many fine retailers, restaurants and businesses including LA Fitness, Longo’s, Shoppers Drug Mart, Duff’s Famous Wings, major banks and more. The area is well served by York Region transit and Hwys. 7 and 407 are less than a fiveminute drive away.

For more than 55 years, Madison Homes has been setting the standard for value, design and customer satisfaction with awardwinning residential lowrise and highrise projects across the Greater Toronto Area. Madison Homes has extensive experience in creating enduring, successful masterplanned communities in Markham, Toronto, Unionville and Vaughan.

Built on a foundation of integrity, Madison Homes continues to focus on creating quality homes in highly desirable areas, firmly rooted in a sense of community. Madison Homes returns to good roots in Thornhill and REALtowns will no doubt continue the fine legacy.

Register online at madisonhomes.ca to receive new information and priority updates.

JUL 23 - AUG 20, 2016 | NEW HOME GUIDE 35

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Advice | TARION REPORT

Make sure you deal with a registered builder

By Howard Bogach

MORE ADVICE ONLINE ypnexthome.ca/news/advice

JUST A FEW MONTHS AGO, an Ontario man was jailed for repeatedly building and selling homes that were poorly built, unsafe and not enrolled in Ontario’s new home warranty program. In fact, the builder had his Tarion builder license taken away, but continued to sell and build new homes. How did this happen, and how can buyers protect themselves from unlicensed builders?

This is called illegal building and unfortunately it is not uncommon across Ontario. It occurs when new home buyers purchase homes from people who have not been vetted and approved by Tarion, the organization responsible for regulating Ontario’s new home builders. Thankfully, Ontario’s new home warranty program can still help to protect unsuspecting consumers from illegal builders and defects in their new homes.

For the past 40 years, it has been mandatory for all new home builders in Ontario to register with Tarion.

The purpose of Ontario’s new home warranty program is to make sure builders are qualified to build homes and have the financial means to get the job done. It also protects consumers by providing a warranty on their new homes for up to seven years. Tarion employs a team of experienced investigators who track down, charge and prosecute illegal builders. Last year, the efforts of this team led to 105 convictions and fines of more than $330,000. Two builders were also sent to jail.

So how can buyers protect themselves from an illegal builder?

Before purchasing a home, it is essential to check the Ontario Builder Directory available at tarion.com.

All licensed builders are searchable, and the directory provides a 10year history of their work. Beware if your builder is not listed in this directory. Unlisted and unregistered builders may not have the tecąical competency to build to Ontario Building Code standards and regulations. They may also not have the financial security necessary to build homes in Ontario. In any case, if they are not registered they are very likely building illegally.

When you do find the right builder, make sure your new home is enrolled in the warranty program. Every new home in Ontario must be enrolled with Tarion before it is built. Your builder must provide you with a Homeowner Information Package that explains the warranty process before or on the date of your PreDelivery Inspection, and must repair any items that fall under the warranty by certain deadlines. If they do not, call Tarion for help.

Once you move into your new

home, sign up for MyHome, Tarion’s online warranty service. This allows you to easily submit your warranty forms, and will send you automatic email reminders when your warranty deadlines are coming due. You can upload photos and schedule inspections right from this portal.

If you have issues with your new home and your builder is not responding to you, file a warranty form and then call Tarion. We are here to make sure that builders in Ontario fulfill their warranty obligations. If you have any questions about your new home or a potential new home purchase, we are here for you.

Tarion’s warranty representatives are an essential resource for new home buyers, and can help buyers navigate the entire new home buying process.

The best defence a home buyer can have against an illegal builder is getting informed about the new home warranty. Knowing your rights as a new home buying in Ontario will help prevent you from becoming a victim to an illegal builder. For resources, tips and information about your new home warranty, go to tarion.com

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2016-07-19 4:43 PM

TAKE YOUR

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COMING FALL 2016

OAKVILLE

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* To qualified purchasers. Information correct at press time. Some lots may have premiums. Conditions may apply. E. & O. E.

037-Starlane-Corp 07-23-16.indd 37

37

2016-07-19 11:09 AM

Inspiration | DESIGN SECRETS

THE NEW LIVING ROOM

By Jane Lockhart

ONCE UPON A TIME A HOUSE had one living room and it was inside the home. That’s when your choice of outdoor furnishings included a wooden picnic table, scratchy, plastic woven slatted folding chairs, back-breaking cast iron or heatabsorbing metal seats.

Today with advances in technology and a continuing desire to spend more time enjoying the outdoors, every backyard, balcony or patio has the potential to be transformed – with options such as full-sized sectionals to petite bistro sets, it’s the new living room.

Materially speaking Like indoor furnishings, much of what you select depends on your taste and budget but durability, scale, maintenance and storage are also important factors to consider.

With advancements, most outdoor furniture is now made to last.

Materials such as rustproof aluminum offer a lightweight option especially if you need to move dining chairs in and out at the table. Aluminum can also take a lot of weight and is midpriced in all the options.

Durable, stainless steel is the heavier, stronger option. It can withstand extreme temperatures,

(although it can get hot without cushions) but it can also rust if not properly coated. Steel is probably the most expensive of all the materials and can be difficult to move but will look beautiful in a contemporary setting.

Synthetic resin wicker is a longerlasting, synthetic weave wrapped over an aluminum frame. “Wicker” refers to the weave pattern not the material used and is much more durable than traditional rattan. It will resist moisture and shouldn’t crack or fade especially if it’s High Density Polyethylene (HDPE) as opposed to PVC wickers.

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Undercover fun Canopies, arbors, umbrellas, gazebos and awnings can provide shade and some protection in the summer months. From wood and steel to canvas and sail cloth, the materials used determine whether it’s a seasonal shelter or a permanent one.

Whether you’re trying to evoke a bit of Tuscany in your outdoor dining room, a sleek Miami lounge or a chic Bohemian oasis, treating yourself to a vacation in your backyard is easier than ever.

Release your muse Although you may prefer a calm neutral setting, don’t be afraid to let your fun, summer muse out by considering bright colours and vivid patterns for your cushions. From nautical to tropical, beach motif to florals and stripes, with the outdoors as the backdrop anything goes.

Homework first

Teak is the best wood option for outdoor furniture. Teak produces its own natural oil and with care can last for years outside. It’s strong, not as heavy as steel but not as light as the synthetic or aluminum options. Some people prefer to let it age naturally to a silvery patina however it can absorb moisture, inviting mould, mildew and rot if you’re not careful.

Take a seat for a test drive With all options always test-drive the pieces for comfort and ease of movement. Well-made pieces will have caps covering nuts, bolts

and screws to protect them from moisture, which can lead to rust. Also look out for sharp unfinished edges that can catch and ruin clothing.

The cushions are just as important as the frames when it comes to durability.

Make sure the fabric is water-resistant.

Most are filled with some form of polyester fibre and foam and some are treated to resist stains and mildew.

For optimum performance from fading and wear, store the cushions in a deck container or indoors during rainy weather or when you’re not using them. Most can be cleaned with soap and water.

Before you shop, be sure to measure the space you want to furnish. That balcony or long porch may be best suited for a cozy love seat and a couple of scaled down armchairs rather than a bulky sectional. If you have a large space consider making outdoor “rooms” by separating dining from lounging, etc.

Embrace it!

Outdoor summer living should be embraced to the fullest because before long we’ll be wondering where we’re going to store the furnishings off-season. Shed? Garage?

Basement? Plan ahead and know before you buy. But try not to dwell on that part, after all you want to feel like the living is easy for as long as possible.

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

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Trending

Help build a family-friendly city Buy a $25 brick at Children’s Discovery Centre

By Jeanhy Shim

IN MAY 2015, Children’s Discovery

Centre was launched — Toronto’s first and only children’s museum designed by a team of early childhood development professionals that gives kids aged zero to six years the chance to play, create, explore and use their imagination.

Why a children’s museum?

Toronto is one of the fastest growing cities in North America, and a growing urban baby boom is changing how and where new young families want to live. Since 2006, there has been a 55-per-cent increase in the number of young families with babies living in downtown Toronto, and over the next 10 years, this number is expected to triple. Children’s Discovery Centre is helping to build a city that meets the growing needs of its newest and youngest residents who are transforming the shape and character of Toronto’s neighbourhoods.

Operating as a pilot project from their current temporary location at 45 Strachan Avenue, next to Liberty Village, Children’s Discovery Centre planned to demonstrate that young families want and need an educational, fun and dynamic place specifically designed for kids.

And thanks to the support of nearly 15,000 families who visited Children’s Discovery Centre over the past year, they heard loud and clear that Toronto should have a permanent children’s museum, like the ones already found in over 200 cities in North America.

Children’s Discovery Centre has found a potential new permanent home, but they need your help to make it happen!

Based on the success of their pilot project, City Councillor Mike Layton, School Trustee Jo-Ann Davis and the Toronto Catholic District School

MORE TRENDING ONLINE ypnexthome.ca/news

Board recently invited Children’s Discovery Centre to consider opening a permanent home in a junior school that is closing in the Queen and Ossington area. Children’s Discovery Centre has an opportunity to reopen its doors in this new permanent location as early as September this year!

Given how quickly everything has come together, there is not enough time for them to apply for government, big corporate or foundation funding.

Instead, Children’s Discovery Centre needs your grassroots support in order to take advantage of this opportunity.

You can help by supporting the 20,000 Bricks Campaign. The campaign is simple: they need to sell 20,000 bricks for $25 each before July 31. Each brick will be proudly displayed with the purchaser’s name on it, at the entry of the future permanent Children’s Discovery Centre.

Bricks can be purchased in person at Children’s Discovery Centre, or online at childrensdiscoverycentre.com.

Buy your brick today, and encourage friends, family and colleagues to buy their bricks too. Whether or not you have children or grandchildren today, you will be proud and happy to know that you helped bring a permanent children’s museum to the city for generations to come.

Jeanhy Shim is the founder of Children’s Discovery Centre (childrensdiscoverycentre.com) and president of Housing Lab Toronto (housinglabtoronto.com).

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Trending

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Planning for Millennials at home

By Olivia Bowden

YOUR SON in his mid-20s is living at home to save on the high rental rates in the city. Or your daughter is so straddled with student debt that even with her job, she needs to live at home while she pays off loans.

“It’s a much more common occurrence these days that adult children are at home later or need financial support, including to buy their own home,” says Jason Heath, managing director at Objective Financial Partners Inc. in Toronto.

More people need to be better prepared for the costs associated with children living at home for a longer period of time.

Forty-two per cent of adults 20 to 29 were living with parents in 2011, up from 27 per cent in 1981. Half of Ontarians in their 20s live at home, according to Statistics Canada’s 2011 National Household Survey.

The StatCan survey also found more than half of those living with parents attended school in the previous nine months, and more than two-thirds were employed.

New graduates who are able to find good jobs still may not be able to

afford housing in hot markets such as Toronto and Vancouver, says Heath.

Understanding this and saving for some financial assistance could be a viable option.

“Start with a basic budget to account for increased costs in food and utilities” “To what extent (parents) actually do help out may be based on ability to save as well as personal choices.

Not every parent who can afford to pay for a child’s post-secondary education chooses to do so,” he says.

Parents should consider creative methods to aid their adult children financially, such as paid chores, Heath says. Or for someone who owns a corporation, one option could be to add a child as a shareholder and pay them tax-free dividends.

“There are no rules of thumb. But from experience, I can say that a safety net may not necessarily be that motivational,” he says.

Toronto real estate agent Mark Savel says he knows what living with parents is like, having spent a portion of his 20s living at home.

There are positive aspects, as relationships can be strengthened. “(It) came in handy for them when heavy chores needed to be done. For me, these years brought us closer together,” he says.

An agent at Sage Real Estate, Savel says planning in advance for adult children to be at home is key.

“Start with a basic budget to account for increased costs in food and utilities.

Be realistic about the situation,” he says.

“Have a plan in place to not only facilitate them while staying at home, but also to save for the eventual move-out.”

Savel bought a pre-construction property in his mid-20s, using a line of credit for the down payment and skipping nights out to save for mortgage payments.

“My parents trained me from the time I was receiving an allowance to always save a portion of my pay,” he says.

Like Heath, Savel has seen parents pursue innovative methods to help their kids enter the market.

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NE

THE STATS Per cent of young adults (age 20–29) living with parents “I’ve seen some parents purchase commercial properties with rental units above in anticipation of their children taking the upper floor,” Savel says.

Parents building a smaller house on their own property, so their married children in their 30s can take the original house, are some of the more far-out methods that investment advisor Sophie Salcito has seen.

The Royal Bank’s latest quarterly report on housing affordability found Vancouver to be the least attainable market in the country, with rates set to worsen.

For a Millennial couple between the ages of 25 and 34, buying a home at market price in the city will result in no discretionary income and $2,745 a year in debt, according to a recent report by credit union Vancity. Even buying a home in Toronto would result in some discretionary income, however minimal — $3,379.

As a result, finding new ways to speed up homeownership — such as handing over property pre-retirement – could become more common.

“That’s a way to effect a property transfer, they’re doing something earlier rather than later,” says Salcito, an advisor for Vancity.

In the effort towards owning substantial property, a client of Salcito’s engaged in a full on property switch — the parents moved into the condo of their thirty-something daughter and son-in-law, and they opted to take the parents’ pricey West Vancouver home.

Sixty-one per cent of Vancouver Millennials 18 to 24 currently lived with parents, and 23 per cent of those aged 25 to 35 were still living at home, according to a May Vancity report.

Most Millennials surveyed said they had considered leaving Metro Vancouver, but admitted they still planned to be living in the area in five years.

Some parents have withdrawn large amounts money to help their kids with a down payment, but that’s not always advisable, says Salcito.

NOW

1980s

42%

VS.

27%

What are they doing when living with parents?

52%

attended school in the previous nine months

NOW

67%

were working during the week of the survey

SOURCE: STATISTICS RELEASED BY STATISTICS CANADA ON JUNE 15, 2016; DATA IS FROM THE 2011 NATIONAL HOUSEHOLD SURVEY (NHS)

Source: Statistics released by Statistics Canada on June 15, 2016.

“When the parents are thinking they should Data is from the 2011 National Household Survey (NHS).

things through about setting boundaries, they should also consider their own needs as well, and try not to feel guilty,” she says.

For Millennials, aspiring to a middle goal of living at home to save for a rental property if homeownership is far off could be a good option. But

be sure to update parents on the plan, Salcito says.

“What we’re seeing here is that there’s going to be a shift of expectations for that demographic,” she says.

“It’s pointless to focus your energy on a negative discussion. You need to focus on what’s possible.”

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Trending

Municipal land-use regulation negatively impacting housing affordability in

Toronto, Vancouver and Calgary

ONEROUS MUNICIPAL REGULATIONS

for residential development are reducing the supply of new homes (houses, condos and townhouses) in Canada’s biggest cities and contributing to rising home prices, according to a new study from the Fraser Institute, an independent, nonpartisan Canadian policy think-tank.

“The dramatic growth in prices in Canada’s major housing markets is exacerbated by municipal regulations that restrict housing supply, encourage the growth of prices and negatively impact the affordability of housing,” says Kenneth Green, Fraser Institute senior director and co-author of The Impact of LandUse Regulation on Housing Supply in Canada.

The study, the first of its kind in Canada, covers 68 municipalities (including 18 of Canada’s largest) and analyses the impact of five measures of land-use regulation – construction approval times, timeline uncertainty, regulatory costs and fees, rezoning and the effect council and community groups have on

development – on the growth of housing supply.

The core finding is that in more regulated municipalities, housing supply tends to grow less, even after accounting for other factors such as geographical constraints and transportation.

The study finds that long projectapproval timelines are particularly detrimental.

For example, increasing the time it takes a builder to obtain a construction permit by six months reduces the growth of new housing by 56 per cent.

The study also uses survey data from developers to gauge the effect of timeline uncertainty in each municipality, with responses measured on a five-point scale from (1.0) “encourages development” to (5.0) “would not pursue development due to uncertain approval timelines.”

When the perceptions of developers moved from the average (2.8 out of 5.0) to a higher level of uncertainty, growth of new housing dropped by 51 per cent. This finding

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is critically important in Vancouver, Toronto and Calgary, which have considerably more uncertainty than average.

“Regulatory reform at city hall, especially simplifying the process of obtaining building permits where housing demand has grown, could reduce homebuilding costs, increase the number of homes on the market and subsequently push down prices,” says Pierre Desrochers, Fraser Institute senior fellow and associate professor of geography at the University of Toronto Mississauga.

“Reforming regulations to encourage new building won’t be easy, but city governments have policy levers at their disposal to help alleviate housing affordability problems in Canada’s major cities,” Green says.

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JUL 23 - AUG 20, 2016 | NEW HOME GUIDE 45

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Trending

Will female-only courses fill the gap in the trades?

By Sonia Bell

THE SKILLED TRADES INDUSTRY is

facing a major challenge: Aging baby boomers, who currently dominate the skilled trades workforce, are retiring and leaving the industry at a rate that is outpacing those entering it, resulting in “an imminent shortage of workers that will put profound stress on the system over the next two decades,” according to a report by Dawson Strategic.

In an effort to encourage women to join the trades and help fill this gap, secondary schools and colleges across Canada have started offering female-only courses to expose women to the trades, where they can learn, develop an interest, and excel in the area.

John Meinen, president of the Ontario Home Builder’s Association (OHBA), told New Home Guide, “We are [going to be] so short of skilled trades in the next 10 years because of the baby boomers that are retiring in the industry, and we don’t have the people to fill those spots. Now is the perfect time to drop the attitude that it’s a male-dominated industry, and start encouraging women, who are just as capable of doing the job, to consider a career in the skilled trades, which will increase our chances 100 per cent of getting more skilled people… Now, we’re not just focusing on the male end of society, we’re focusing on everyone.”

The skilled trades industry has long been a male-dominated workforce, and these new opportunities arising in the curriculum may not only encourage women to at least try their hand at the skilled trades, but will alter the very perception of the skilled trades being a male-only profession — or a “boys club,” if you will.

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“Secondary schools and colleges across Canada have started offering female-only courses to expose women to the trades, where they can learn, develop an interest, and excel in the area.”

Danny Paolino, a technology teacher at Emily Carr Secondary School, has spearheaded their female-only construction technology course. “This semester, which is our first [semester] running the course, we have a full class of 22 girls. Twenty-two is the cap for the construction class.” Translation: The female-only classes have been a huge success, and according to Paolino, much greater than the folks at Emily Carr anticipated. “The girls who enroll in this course want to be there and have a true interest in learning… They are finishing to the highest level of quality with precision and attention to detail.”

On the one hand, the positives are that these courses encourage young women to broaden their horizons when considering their potential career opportunities. Why shouldn’t they consider the trades? You can have a very lucrative career if you’re good at it.

On the other hand, why put women in an environment that doesn’t mirror the real workplace? Let’s face it: Women in the trades will have to work with men, just like any other industry. They may be gaining the skills required, but are they actually

being prepared for a career in the trades?

“It’s more about giving them the opportunity to take this course if it interests them,” says Paolino.

“The classroom setting in itself is pretty intimidating because of all the equipment. Once they are comfortable with the environment, there is that opportunity to take the course with boys.

“When the school had only offered co-ed classes, each class only attracted one or two female students,” says Paolino. “When the course started and these girls noticed that they were outnumbered by the boys, many of them felt intimidated and they wanted to drop out of the course. Creating an environment where the girls felt comfortable was very important…

I think the positive outweighs the negative in this scenario.”

Meinen shared Paolino’s sentiment: “When you (have) a class with 10 men and one woman, oftentimes that one woman gets disengaged because it’s all men. I like the fact that there is 18 women in one class because they all have a common bond. It encourages women to get into skilled trades if they’re all in it together. There is a disengagement when you put one

or two women in a class of 20 men… they (often end up leaving) to do something else.”

Meinen also stresses the importance of shaking off the stigma of women in the industry. “There are (many) jobs in this industry that are very lucrative and should be taken advantage of. And with the amount of people leaving the industry, it’s the perfect time to get involved. I know for a fact that women can do this job just as well as men can.

We tried for many years to get women in the skilled trades with the method of (co-ed classes) and I don’t think it was working. I think it’s great what schools like Emily Carr are doing — I condone it wholeheartedly.”

Even if the young women in these courses don’t decide to pursue a career in the trades, they’re still learning fundamental skills that will help them when they enter the rental or homeownership market. Paolino notes that, “Eventually they will own a home one day, and they will be confronted with the fact that they will need to work around the house as part of regular maintenance.

Something as simple as putting up a picture on the wall can be very frustrating and difficult without some basic skills around using tools.”

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Trending

Tarion relaunches website – tarion.com

FOR MORE THAN 40 YEARS,

it’s been Tarion’s job to make sure your new home warranty is here for you. And now the organization is introducing a new website to show how it continues to support newhome buyers and builders every step of the way.

With so many online tools at a new home buyer’s fingertips, one of the most essential resources is information about the new home warranty. According to Howard Bogach, Tarion’s president and CEO, “Tarion has listened to home buyers and builders, and created the tools they asked us for. Our website is now easier to navigate and has more useful resources. Tarion has supported home buyers and builders for the past 40 years, and this is just another way we continue to evolve to ensure that the warranty meets their needs.”

The new tarion.com provides buyers, builders and other professionals in the real estate industry with fundamental information when constructing,

buying and living in a brand new home.

Tarion surveyed website users to find out how we can improve our site to meet their needs. By leveraging expertise from leading advisory firms in the technology, communications and research industries, the website was built to be optimized in design and succinct in information.

“Using real user feedback, we re-designed our website to enhance the online experience. Some of the improvements include simpler navigation and better organization so you can find what you are looking for faster,” says Bogach.

Comments about Tarion’s old website were positive towards the quality and volume of information, but users felt it was hard to find the information they were looking for.

The new tarion.com has an improved design and upgraded navigation so the information is easily accessible.

Tarion also expanded the resources for homeowners, buyers, builders and real estate agents to help provide support during the home

buying process.

“Tarion is here to make sure the new home buying experience is working. We ensure there are standards in construction and customer service, and support home buyers and owners throughout the entire new home buying experience,” says Bogach. “Since buying a new home is one of the most significant and financially impactful decisions that someone can make in their lifetime, it’s important to have proper support and guidance throughout this process. Tarion.com should be seen as an essential resource for anyone looking to buy, build or sell a new home in Ontario.”

The new tarion.com is just the beginning of Tarion’s upgraded services. Tarion’s online warranty portal – MyHome – is also in the midst of an update to better serve Ontario’s new home owners.

Visit the new tarion.com to see the changes to the website, and stay tuned for a new MyHome coming soon.

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Trending

Housing market and industry adjusting to foreign buyers

By Wayne Karl

CANADIANS CONCERNED ABOUT the

influx of foreign buyers in our real estate might want to do one thing – get used to it.

If recent statistics from Royal LePage are any indication, the interest is only going to increase.

In the realty firm’s recent study of the luxury home market, for example, 66 of agents say foreign buyer activity has increased significantly over the past decade, and 60 per cent anticipate the growth to quicken this year. China is cited as the primary international region generating these purchases in Canada.

“While the impact of foreign buying on Canada’s overall residential real estate market is small, we see it growing in importance in the luxury market,” says Phil Soper, president and chief executive officer, Royal LePage. “Canada’s stable political and financial systems, along with a tradition of cultural tolerance and openness to immigration and diversity, make our country an ideal destination for wealthy international purchasers looking to invest in real property. Recently, a lower Canadian dollar has made this proposition even more attractive.”

Such activity, and the resulting contribution to rising home prices in certain markets, has some observers wondering if measures need to be taken to curb foreign ownership, or at least gain a better understanding of it.

Prime Minister Justin Trudeau promised the latter in Budget 2016, pledging to gather information to develop a fuller understanding of foreign buyers and their intentions.

To date, it’s been largely anecdotal evidence cited by various parties.

“Some have suggested special taxes be levied on foreign buyers,” Soper told New Home Guide. “As

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“As with all buyers, it is important for agents to spend the time to properly understand the needs of their international clients in order to help them find the right home and community”

we debate tougher regulations or new taxes, it is important that we take into consideration the longerterm implications of public policy changes. Will the new regulations be effective in slow markets as well as the rapidly expanding markets we are experiencing today? Are there broader implications, such as the reduction in business investment if certain people are discouraged from buying homes? Are new taxes or regulations fundamentally fair?

For example, all homeowners pay property taxes today, regardless if they use municipality or school

services. Is it fair to levy new taxes in addition to these property taxes?”

Some sources expected such action might come July 13 when the Bank of Canada released its latest interest rate announcement and Monetary Policy Report.

For realtors, the trend is more than just an influx of foreign buyers flush with cash to gobble up Canadian homes. It also requires new approaches to how they do business.

“As with all buyers, it is important to spend the time to properly understand the needs of international clients in order to help them find the

right home and community,” Cailey Heaps Estrin, sales representative with Royal LePage in Toronto, told New Home Guide.

“Providing good service often requires hiring specialized staff such as translators, attending multicultural shows and events – including those based in other countries – and producing targeted sales and marketing materials geared towards the particular needs of foreign buyers.”

It isn’t just in Canada that is wrestling with an increase in foreign ownership.

In the U.S., Chinese direct investment real estate has grown dramatically since 2010, according to a report by Asia Society and Rosen Consulting Group (RCG) titled Breaking Ground: Chinese Investment in U.S. Real Estate.

Chinese buyers spent at least $93 billion on residential real estate between 2010 and 2015. Spending rose at an annual rate of 20 per cent and provided important demand in many local markets hit by the housing crisis. California accounted for 35 per cent of Chinese home purchases in 2015, followed by Washington state with eight per cent and New York at seven per cent.

“Policymakers, business leaders and the general public in the United States still do not have a comprehensive understanding of the patterns and implications of Chinese investment in the United States,” the report says. “This report paints a clearer picture of what these investments mean for this country.”

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Trending

Kylemore’s annual barbecue a recipe for community building

Patrick O’Hanlon (centre) with Kylemore Team

IT WAS ANOTHER SCORCHER on

Saturday, June 18 for Kylemore Communities’ 19th Annual Community Event. The company welcomed more than 1,500 residents of award-winning Angus Glen Community, to an afternoon of food and entertainment in the neighbourhood park. The event kicked off with a children’s parade along neighbourhood streets, led

by Markham’s Fire Department, and ended at Colty Corner’s park.

“Community events give people an opportunity to get to know each other better,” says Kylemore’s President Patrick O’Hanlon. “That’s why we continue to offer this complimentary, family-oriented community event each year. As our building program expands, annual attendance climbs and the relationships between neighbours grows. It’s a part of Kylemore’s plan to continually promote a welcoming environment within each of our communities.”

Patrick K’s Catering cooked up a delicious barbecue lunch, while talented musicians played a range of popular tunes. A variety of inflatables were a big hit with children, as were Reptilia’s snakes and reptiles. Children also enjoyed the balloon artist and

face painters, and tenants of The Shoppes of Angus Glen offered their own entertainment and provided information about the services they offer to the neighbourhood.

Angus Glen Community consists of almost 1,500 exquisite residences including a luxurious two-building condominium, two championship golf courses with a grand club house, and premium retail shops and offices. The neighbourhood is situated just minutes from Unionville’s historic Main Street, and is a short walk from the Angus Glen Community Centre. Angus Glen Community received the Building Industry and Land Development (BILD) Associations’ 2012 Best Places to Grow Community of the Year Award.

Since 1997, Kylemore Communities has been creating some of the Greater Toronto Area’s most desirable communities. From magnificent custom homes, to exquisite detached residences, executive townhomes, and luxurious boutique, resort-style condominiums, Kylemore delivers superior architecture, innovative design, quality craftsmanship and lasting value on behalf of their homeowners. For an overview of Kylemore Communities visit kylemorecommunities.com

Markham’s Fire Department leads the parade

Cooling down under the fire trucks’ spray

Face painting artist transforms one happy customer.

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Trending

Millennials and Gen Xers far less confident they’ll meet financial goals: CIBC Poll FAR FEWER MILLENNIAL AND

Generation X Canadians are confident they’ll meet their financial goals than they were just six months ago, finds the latest CIBC Quarterly Financial Confidence Poll. After a sharp 12-percentage-point drop for both age groups, only 72 per cent of Millennials and 66 per cent of Gen Xers now say they will be able to attain their financial goals in the next 12 months.

For Baby Boomers, however, financial confidence has edged up three percentage points, with 82 per cent now confident they will meet their goals.

“We had a very gloomy start to 2016, with a reeling loonie and a soft economy and jobs market, and much of that sentiment continues to weigh on confidence,” says Sarah Widmeyer, managing director and head, Wealth Strategies Group, CIBC. “Our poll also reveals the stress of everyday life for Millennials and Gen Xers – going to school, working, paying your household bills, trying to save for a house or taking care of your family.

Combined with a string of gloomy economic news no wonder this cohort is feeling less certain they’ll achieve their financial goals.”

Key poll findings include: • Overall, 73 per cent of Canadians say they are confident they will meet their financial goals over the next 12 months (down from 80 per cent in December 2015).

• Millennials (18 to 34 years) were the most confident group back in December 2015, but confidence has since fallen significantly from 84 to 72 per cent.

• Generation X (35 to 54 years) continues to be the least confident group, dropping from 78 to 66 per cent.

• But Baby Boomers (55-plus years) feel more positive, with their

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how they feel about their personal financial situation today. The findings were similar to their financial confidence outlook: Only 59 per cent of Millennials and even fewer (57 per cent) of Gen Xers feel positive about their finances, compared to 78 per cent of Baby Boomers, who are feeling the most optimistic.

“When you feel negative about the status of your finances, you should sit down and talk to someone who can help you assess your situation, give advice and boost your confidence,” says Widmeyer. “There’s always something that can be done.”

Mid-year is a good time to sit down and re-evaluate your personal financial situation, she adds.

“If you have a plan, take a look to see if it is still realistic and whether changes in the market require you to make adjustments to your expectations, timeframe or investment choices,” says Widmeyer.

Five tips for financial fitness 1 Live within your means 2 Define your wants versus needs 3 Pay down highest interest rates first 4 Don’t make late payments 5 Set up account and auto-pay alerts confidence edging up from 79 to 82 per cent.

• 68 per cent of Ontarians now feel confident, down from 80 per cent six months ago. While oil prices and a sluggish economy dented how Albertans felt about their finances in the first three months of the year (an eight percentage point drop to 64 per cent in the first quarter), their confidence has since rebounded, now at 69 per cent.

Widmeyer notes that experience in riding out market and economic cycles can mean a lot in maintaining confidence that you will achieve

your goals.

“While macro events, like Brexit, can spark fear and gloom in the markets, these are things beyond our control,” she says. “What you can control is your personal finances and how you manage them. The key is to set and prioritize realistic short- and long-term goals, and take concrete steps each month to achieve them.

When you have the right plan, then periodic market noise becomes just that, noise, that really shouldn’t change your financial priorities.”

Feelings about personal finances today closely tied to future outlook The poll also asked Canadians

Four tips to help boost your financial confidence 1. Get a check-up – CIBC’s Financial Health Check tool (cibc.com) is a great starting point. It takes only five minutes to complete and provides basic personal advice based on your goals, budget and savings ability, as well as an opportunity to meet with an advisor.

2. Write down your goals – Countless studies show that those who write down their goals are more apt to achieve them whether they are health, career or financial goals.

3. Set realistic goals – You might want to save or pay down debt as quickly as possible, but if your budget doesn’t support it, modify it. You can still set big goals, but achieving smaller goals along the way can boost your confidence and keep you on track.

4. Review your goals and track your progress – This is key to staying on track and gaining a sense of achievement over time.

You can modify your goals if your situation changes.

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Advice | LEGALLY SPEAKING

Deciphering legal language Deeds, transfers, mortgages, charges, discharges and undertakings

accept the builder’s or the builder’s lawyer’s undertaking to register a partial discharge, without the other information.

Now, I do not believe the builder or the builder’s lawyers who do not include this information would give the promise without meaning it, but what about things out of their control?

By Jayson Schwarz

MORE ADVICE ONLINE ypnexthome.ca/news/advice

FOR THE AVERAGE homebuyer,

there are some legal terms that require translation. The Government of Ontario keeps records of every piece of property in the province.

These records are called the “title documents.” The document on file that says who owns the property is called the “transfer,” or “deed.” All of these documents are filed with the government — a process that is called “registering” the document.

When a bank lends money and gets a record of this loan on title, the document is called the “mortgage” or the “charge.” When the charge is paid off, a new document is filed with the government office and it is called a “discharge.” If only part of the charge is paid off, a document called a “partial discharge” can be filed. There are many other documents, but these are a good starting point.

Usually when a developer/builder starts a new project, he/she will go to a bank or other financial institution and just like you, arrange for a mortgage or charge. The difference, however, is that this can be a huge charge. As an example, the builder/developer may have a $50- or $60-million “blanket” charge applied to enable him/her to create and build the project. The next thing that happens is that the house or condo is built and sold, and it is time for closing.

For example, if:

In the Agreement of Purchase and Sale will be a clause that will relate to the discharge of that part of the blanket charge which affects the property you are buying. The builders’ lawyers (the good ones, in any case) add the clause that the purchaser will accept the promise (undertaking) of the builder’s lawyer to register the partial discharge in a reasonable period of time, but will give on closing two important things: a) a letter (“discharge statement”) from the bank or other financial institution (“mortgagee” or “chargee”) setting out how much money has to be paid to the chargee to obtain the partial discharge; and b) a direction from the builder to the purchaser, telling the purchaser to pay the amount of money needed to obtain the partial discharge directly to the chargee.

The clauses I will not accept stop with the purchaser being forced to

» the builder goes bankrupt » the builder has a dispute with the bank » some other party seizes the money from the builder » the builder has an internal shareholders dispute and assets are frozen » the lawyer goes to Argentina with the money » the builder goes to Tahiti with the money If we had followed a) and b), none of that would matter. My complaint is that it does not cost the builder anything to give this peace of mind and security to the purchaser.

It is just usually the fault of a lawyer trying to prove how good he or she can be.

Watch for these tricky clauses and consult a lawyer, because only a lawyer can provide legal advice and care enough to catch these kinds of things.

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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Inspiration | DESIGNER ADVICE

&REVEAL

CONCEAL

By Yanic Simard

ONE OF THE BIGGEST benefits of buying a new home is often the opportunity to custom design and decorate your windows, especially any large or bay windows.

However, when nighttime comes (or when you don’t want anyone to have a view in from outside), how do

you dress your windows while still keeping that sleek, chic appeal? There are actually numerous options for filtering, obscuring or exposing the outside world, working with windows of any size. Here are some tips to finding the style that suits your views.

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Drapery

Shades & Shutters

» Timelessly elegant, drapery generally works best when kept simple. If possible, drape full walls to keep the lines seamless (even if there are areas of solid wall that don’t technically need covering), using a simple straight pleat on a straight track or rod. Mount the track at the ceiling, and go for an invisible hospital-style track rather than a decorative rod to let the fabric — or the view — speak for itself. » Clean white sheers are a great option for filtering light (and the view inside) without completely erasing the windows. Many spaces use just sheers, although a more opaque layer can be added over top on a separate track to give you coverage options. Keep in mind that your building will likely have regulations concerning what treatments can face outdoors. A sheer lining layer can help keep your windows “white to the street.” » To keep a modern and open look, use a material in a hue that blends into your wall colour. For a more lively accent that feels sleek and contemporary, try colourblocking. This can be easily achieved by adding a band of contrasting material to the bottom of readymade curtains (if you’re a skilled sewer) or made by a seamstress. Ask a fabric supplier if they have solidcolour offcuts to find this small accent of fabric for a minimal investment.

» In-window shades are another popular option for windows, as they give a simple architectural look when pulled closed and can virtually disappear when open. Like drapery, these can be layered (with darker shades or lighter drapery) to allow for light-filtering sheers during the day and opaque screens at night. » For an architectural approach with a masculine edge, look to inspirations like the Germain family of hotels: their sleek interior shutters are finished in the same wood that dresses the built-in wardrobes and desks for a very clean and consistent (but rich and warm) look. » Shutters also look beautiful layered under sheer drapery or behind roll-down shades, for a transitional mix of hard and soft, a detail I appreciated at Le Germain Montreal. For an all-in-one option, try a product like Benjamin Moore’s Pirouette shades, which use shutterlike opaque panels bonded to an outer layer of sheer shades. » When choosing shutters, stick to quality wood, metal or durable synthetic options — inexpensive shades can quickly become dented or nicked, showing wear and tear early. » During my recent stay at the stunning Modern Honolulu, Hawaii, I loved the louvered door treatments on the …continued on page 60 JUL 23 - AUG 20, 2016 | NEW HOME GUIDE 59

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…continued from page 59

balcony doors. Echo your shutters on the doors to create the feeling of a tropical getaway even when they’re shut (and even if you’re far from the water).

Glass treatments » For a more temporary solution at a lower investment, or in spaces where a wide open view will never be desirable (such as in washrooms or where facing a neighbouring home), consider press-on window film.

When applied per the manufacturer’s instructions, these “frosting” panels can give a clean and neat look to smaller windows while permanently filtering the view — at least until you choose to peel them off! » For large windows, consider using panels to create a pattern rather than trying to perfectly connect the edges — the seams will likely show. Leaving a band of open window at eye level will give you a peak outside without really allowing a view in. » Similarly, there are now multiple options on the market for glass frosting sprays that create a removable coating rather than permanently etching the surface.

They may take more effort to scrape off in the future but they can fill any-sized area you tape off.

Inventive Options: » In the lobby of the Shangri-La Hotel Vancouver I noted their use of a large folding screen to carve out a more private space without completely obscuring the window behind. Some light can still filter in this way without giving much for prying eyes to look at.

Try using a traditionally detailed screen (especially an antique) with modern furnishings for an eclectic mood. » If you don’t need total privacy but just don’t want to feel like you’re living in a fishbowl, a few tall plants will make a lush backdrop to a seating group or low media unit, giving your space an extra sense of life while breaking up the sightline. » In a client’s bathroom, I added a screen on a swingout arm to cover a small window. You could also use a framed art piece or a mirror. » Don’t be afraid to back furniture against a window! A large bookcase style media unit, with space for the television, books, art and storage boxes will create a focal point for a seating group, and avoid glare and reflections on the TV that might occur if it were placed opposite the window instead.

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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Neighbourhood Profile

Willowdale

c

Convenience and community in uptown Fast facts Average household income

$89,562

Family structure

S

FAMILIES

COUPLES

SINGLES

37%

32%

31%

Own vs. rent

65%

MORE PHOTOS ONLINE

OWN

ypnexthome.ca/willowdale

A LARGE PART of North York,

Willowdale is an affluent community centred around Yonge Street from Steeles Avenue down to the 401, and from Bayview Avenue to Senlac Road. It has gained popularity as new amenities and new condo development change its landscape.

It’s prized for being located on the subway lines, and offers easy access to all parts of the city.

accessibility. Buses run frequently and connect to all subway lines, with both the Yonge and the Sheppard lines at the heart of the community.

Viva and York Region Transit serve Willowdale. The subway station and GO bus terminal are at Yonge and Finch. Parking at the station adds $5 to your daily commuting costs.

The vibe The perfect blend of suburban and urban, Willowdale offers the best of both worlds. Sometimes distinguished between eastern and western regions, the vibe varies depending on where you are within the neighbourhood.

The area surrounding Yonge Street is more urban, with many restaurants, pubs and cafes. It’s also much more populated than the more residential side streets.

In the area The diversity of the neighbourhood is reflected in the large amount of etąo-cultural restaurants, particularly along Yonge Street. Empress Walk is a mixed-use building and a staple in North York. The first three floors of retail space contain Loblaws, Staples and a Cineplex theatre. The North York Civic Centre features Douglas Snow Aquatic Centre, North York Central Library and Mel Lastman Square, which hosts festivals and events throughout the year.

Planes, trains & automobiles Willowdale gets a huge nod for

Real estate Demand is high in Willowdale, and

35% RENT

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that is reflected in the prices. It’s common to see custom-built homes listed in the $2- to $3-million range.

Builders or homebuyers will often purchase smaller homes on large lots, and tear them down to create new luxury homes. Condos along Yonge and through Bayview are rapidly developing, providing a highly coveted lifestyle.

Sonia Bell works with Yellow Pages NextHome to get the inside scoop on what’s trending in real estate and decor. She has her masters in communications and loves writing about all things real estate.

IN

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JULY 23 - AUG 20, 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 JUL 23 - AUG 20, 2016 | NEW HOME GUIDE 63

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Trending

BILD members raise more than $35,000 for charity MEMBERS OF THE BUILDING INDUSTRY and Land Development Association (BILD) raised $35,000 for community partner Habitat for Humanity GTA through a scavenger hunt and charity barbecue on July 13.

Hundreds of industry professionals from the home building, land development and professional renovation industry participated in the seventh annual Race for Humanity and the 24th annual BILD Charity BBQ. “BILD has been a proud community partner with Habitat for Humanity GTA since 2003,” says BILD President and CEO Bryan Tuckey. “With the help of our members, our association has helped build new homes for 13 working, low-income families in the GTA.” The Race for Humanity saw 17 teams compete in a scavenger hunt around the City of Toronto, raising $10,000. Contestants participated in a series of challenges in exchange for clues directing them to the location of the next challenge. The Race’s final challenge was held at BILD headquarters where contestants arrived just in time for the barbecue.

More than 600 builders, developers, renovators and other industry professionals attended the barbecue and helped raise $25,000 by participating in the silent auction and other activities.

All proceeds from the two events support Habitat for Humanity GTA’s efforts to build a new home for the Mohammeds, a family of seven currently living in a rented poorly maintained home in an unsafe neighbourhood.

“Thank you to people throughout the development industry for the way that you reach out and help us give a hand up to working low-income families throughout our community here in the GTA,” says Habitat for

MORE TRENDING ONLINE ypnexthome.ca/news

Humanity GTA CEO Ene Underwood. “What you do through your sponsorship made a phenomenal difference, not just for the 13 sponsored families, but for so many more families that you are helping through member donations to our ReStores, participating in build days, providing expertise and all the different ways that you help us do what we do every day.”

BILD thanks its Humanitarian Champions Bell and Caesarstone, event sponsors, auction donors, volunteers and guests for all of their activities that helped raise money. Special thanks go to In2ition Realty and the Toronto Star for organizing the Race for Humanity, and the member-driven BILD BBQ Committee for their work on the Charity BBQ. “The Race and Charity BBQ are put together by member volunteers who spent countless hours, planning activities, calling up sponsors, creating promotional materials and more,” Tuckey says. “The success of these fundraisers is a direct result of our members’ commitment to giving back to the community.”

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16-07-11 2:18 PM 2016-07-19 11:09 AM

Property Profile | MATTAMY HOMES

A lifetime of memories in

Kleinburg Summit – coming soon!

IT SEEMS THAT EVERYONE you know

has a charming memory of Kleinburg.

Of course, there’s the obligatory visit to the world famous McMichael Art Gallery, where many of us got our first glimpse of the work from Canada’s iconic Group of Seven. Sometimes, it’s memories of the Kortright Conservation Centre – where bright yellow school buses load and unload excitable minds. Even in the colder winter months, the gentle woods and

rolling hills lure strollers and crosscountry skiers.

Now, Mattamy Homes has announced that its new community of Kleinburg Summit will be opening soon. This idyllic place can soon be the place you call home.

And what a home it promises to be.

Mattamy has clearly recognized the exclusive appeal of this exceptional location, and will offer homes to make the most of this wonderful

new community. You’ll be able to choose from a staggering variety of upscale detached home designs and townhome styles in a full range of sizes and exteriors. Mattamy’s thoughtful design approach and high standards of fit and finish will come to life here. No matter how you choose to live here, Mattamy will help make you feel right at home.

Kleinburg is a lovely, quaint village just north of the city, making it an

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Location

Kleinburg Builder

Mattamy Homes Development

Kleinburg Summit Home Type

Detached homes and townhomes Contact

mattamyhomes.com

MORE PHOTOS ONLINE ypnexthome.ca/mattamy-kleinburg

ideal location for Mattamy. That’s because the company is consistently recognized for complementing local natural appeal with refreshing choices of home designs. If you’ve ever visited a Mattamy community, you’ve probably already noticed how the streetscapes seem consistently fresh and inviting. That’s because of a real commitment by Mattamy to keep every aspect of their communities visually interesting and alluring.

Beyond the inspiring variety of floorplans, Mattamy also offers its popular Architect’s Choice Options.

Mattamy will help you efficiently choose alternative architectural features, allowing your home to be a true accommodation of your needs.

Then there’s the exceptionally well-appointed Design Studio.

Here, Mattamy’s professional design consultants will work with you, hand-in-hand, to explore a truly

magnificent selection of features, fixtures and finishes. Here is where you bring your home to life according to your personal style and taste.

Whatever home style or design you choose, you can always be assured that Mattamy strives to give you the most home possible. The company’s design philosophy aims to provide the maximum possible usable living space in every home. Mattamy’s oversized windows allow more natural light into every home. And extra features, such as a comforting gas fireplace in a family or Great Room, provide distinctive focal points to a space.

Outside of the home, Mattamy communities are similarly wonderful places to live and grow. Families enjoy the convenience of going together to the park for a swing, or for a walk or a bike ride on the many trails and paths connected throughout the neighbourhood. These thoughtful design touches really help homeowners connect – it’s where neighbours become friends.

Mattamy’s new Kleinburg Summit community is the place to be. It’s near schools of all levels, recreational opportunities – including the impressive Vellore Village Community Centre – convenient shops and entertainment. Enjoy the convenience of modern living surrounded by the charm and beauty of Kleinburg.

For information and updates, register at mattamyhomes.com JUL 23 - AUG 20, 2016 | NEW HOME GUIDE 67

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Trending

Raw Shift opens shop for flash architecture installation TORONTO’S DESIGN CROWD

recently descended on the Riverdale neighbourhood for Raw Shift, a one-night-only flash architecture installation. Host Raw Design, known for its not-to-be-missed annual design stunts, transformed an empty storefront into a thematic exploration of the fluid nature of built spaces and showcased how a building’s use evolves over time.

Blanketing a vacant computer shop with a series of modular cardboard installations, the entire space was staged to evolve as the evening progressed. As is the case with all Raw events, the theme was woven throughout each experience with a thoughtfully designed, origamiinspired backdrop that shifted to support the ever-altering aesthetic, sound, lighting, food and mixology.

Nothing was static.

“We were happy to see the crowd use Raw Shift elements as they pleased, customizing their experience and space as friends and colleagues came and went. We wanted to encourage their input to create larger and then more intimate spaces, reconfigure seating and change ambient lighting,” says Marnie Mosher, Raw Design.

Guests weaved in between a towering forest of movable 12-ft.

Sonos tubes set out on a fixed grid, while others bravely ascended the stacked Cube Mountain. Meanwhile, a series of illuminated panel sliders were suspended on multiple tracts throughout the space, providing partygoers with endless possibilities for ‘space shifting.’ Each installation was morphed and manipulated into something entirely new, a playful nod to the shifting nature of Toronto’s architecture.

“As a firm, we’ve worked on numerous adaptive reuse projects over the years. Courtrooms become office spaces, factories become

MORE TRENDING ONLINE ypnexthome.ca/news

studios, and churches become new homes. These conversions serve as a signpost for us. Our lens cannot only focus on the current function of a building but must also anticipate the potential for it to shift its purpose over time. As architects, we must allow for opportunities in the future while addressing the needs of the present,” adds Roland Rom Colthoff, founder of Raw Design.

Libations on offer included wine from boutique winery Trail Estate from Prince Edward County, 13th Street Winery from Niagara, beer from premium craft beer brewer Muskoka Brewery and water from eco-conscious brand Flow Water. Five O’Clock Fellowship also revealed its new brand at the event, transforming a wall over the duration of the evening.

Guests were wowed by Sublime Catering’s Head Chef Michael Tong, who served up cuisine that

shifted into entirely new culinary experiences highlighting beef, beet and mung bean as elemental ingredients. Meanwhile, Death in Venice Gelato Co. jolted the senses with their pairings of unexpected flavours including mustard, boozy pear and walnut, along with peanut and roasted croissant.

Raw Shift, the ninth installment of Raw’s annual and highly-anticipated summertime event, stimulates Toronto’s ongoing dialogue about built form and the urban landscape.

The event series also serves as a genesis for the studio’s celebrated public art installation work across the country. Raw’s installation portfolio includes Prismatica as part of Luminothérapie in Montreal and their Nuzzles design for Warming Huts in Winnipeg. Raw is also the co-creator and a key organizer for the annual Winter Stations competition in Toronto.

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Mattamy 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 Mattamy Homes

mattamyhomes.com

St. John’s Forest, Aurora. Sought After Aurora Address, Elegant, Upscale Mattamy Design. Model Name: The Snapdragon – 3,812 Sq.Ft.

JULY 2016

Inspiration

LUXURY

IS IN THE EYE OF THE BEHOLDER

SARAH RICHARDSON

By Elisa Krovblit | Photos by Stacey Brandford

SARAH RICHARDSON HAS ONE OF THE MOST RECOGNIZABLE NAMES IN THE DESIGN WORLD. ROOM SERVICE. DESIGN INC. SARAH’S COTTAGE. SARAH’S HOUSE. SARAH 101. REAL POTENTIAL. THESE HGTV PROGRAMS HAVE BROUGHT SARAH INTO THE LIVING ROOMS OF PEOPLE AROUND THE WORLD FOR MORE THAN 10 YEARS. IN THAT TIME, SARAH HAS CREATED A FOLLOWING OF FANS WHO ADORE HER STYLE AND EXUBERANCE, TAKING TIPS, IDEAS AND JUST INDULGING IN HER BEAUTIFUL DESIGN. WE CAUGHT UP WITH SARAH TO ASK HER A FEW THINGS ABOUT LUXURY, LIFESTYLE AND THE THINGS THAT MAKE SARAH’S HOUSE A HOME.

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SARAH RICHARDSON HAS LET US STEP INTO her home both on TV and in her gorgeous new design book, At Home: Sarah Style. Room by room, home by home – from city home to farmhouse and cottage getaways – we get to explore the spaces Richardson has created to enjoy with her family. It’s not a designer putting favourite projects forward, it’s a designer living her design, showing the way she embraces these elements and executes them to meet her family’s needs. From furniture to art, from colour palette to material choices, little details, big design elements and the view, Sarah has put her expertise to work to create the perfect project for an especially important client – her family.

After looking at these beautiful spaces and wonderful escapes, we had a chance to ask Sarah about her sense of luxury.

“I haven’t said ‘luxury’ as many times in the past month as I’ve said in this interview,” Richardson remarks halfway through our discussion. It’s quite a significant comment, and clarifies her perspective in one concise moment. Sarah explains that she isn’t about labels or grandeur or “bling” or big shows of ostentation; and too often that’s what we envision when we think luxury.

“I believe in little luxuries,” Richardson says. “I’m not into luxury

Sarah’s top 5

for the sake of luxury.” Art is a favourite item she feels is a luxury.

“Art is all encompassing,” she says.

It’s not the price point, but the intrinsic value that makes it a luxury.

“Something that speaks to you, created with passion and purpose.

Regardless of budget, the biggest investment in luxury is the art.”

Not just big canvases, “it can be a vase – handmade by an artisan,” she says. Supporting the arts and those that create these beautiful objects is important, “not disposable, mass market items.”

When looking at our homes, where we put our money, she explains, from a project perspective is “big ticket living – investing in kitchens and baths.” But when it comes down to luxury, those rooms don’t define a home. It’s the way you complete the home that brings in that luxury.

One of Richardson’s favourite spaces is the living room of her city house, “because I was able to find some really great vintage pieces. A Milo Baughman chaise and chairs, and a Willy Rizzo coffee table. It’s a luxury to be able to score unique pieces.”

Another luxury Richardson feels benefits everyone is having somewhere to get away. “Having another place to go,” she explains, is important. While she really appreciates her home-away-from-home escapes, she also views travel, just getting away

A look through At Home: Sarah Style is a wonderful tour of the homes in Sarah’s life. These include her city home – both before and after a major renovation – a cottage, a farmhouse and her mother’s home. Each fulfills a different use, a different need and the design is effective in committing those roles. From playful and funky to sophisticated and elegant, the pages are full of incredible imagery with anecdotal explanations from Sarah.

The recipes are wonderful too. You won’t know what you did without the Cosmic Sandwich in your life.

and taking time, as being the real luxury.

“Luxury is all relative,” she says. Paring down life to its most simple elements, having things to appreciate, and time to enjoy one’s life are definitely the luxuries Richardson appreciates.

When I ask Richardson if she has anything else to say about luxury, her response captured our discussion perfectly. She told me “Luxury is in the eye of the beholder.”

affordable luxuries that make her love being home

1. Stealing some quiet time on a weekend afternoon beside a crackling fire to dive into a new issue of a design magazine with my feet up while I’m covered in a cosy throw, (I’m adding some beautiful loomed cotton throws to my product line for early summer).

2. A steaming hot giant Nespresso latte in a mug that was hand painted by one of our

daughters. Beautiful form mixed with great function has made me the owner of a Nespresso in every kitchen; work and home, city and country.

3. Thoughtfully made and passionately crafted decorative arts. In every room of our house, there are sentimental handmade pieces that are sculpturally beautiful but not necessarily decadent or expensive. Investing in pretty little affordable luxuries and supporting talented artisans makes me happy.

4. Candlelight. Nothing is more calming and relaxing at the end of a busy work day than a room bathed in the glow of candlelight. Candles aren’t for special occasions in our home.

They are a daily necessity. It’s the little things that matter.

5. Fresh flowers. The finishing touch to any well-designed room is something lovely and living. I don’t have time to get to the flower store and treat myself often, but I always have potted orchids to brighten up my rooms. Whether you get them at the grocery store or the florist, potted orchids are an inexpensive floral choice that will bloom for about four months!

JUL 23 - AUG 20, 2016 | NEW HOME GUIDE 71

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Inspiration | DECOR TIPS

How to buy a new couch:

Tips from an EQ3 pro

By Jackie Marchildon

DO YOU REMEMBER the first time you bought a new couch? For me, the time came when the pull-out couch I stole — I mean, was given to me by my parents — finally wore out.

The seams had split on one of the cushions, the metal pull-out section sat so low under the couch that it scratched the floor and we had pillows shoved under the cushions to try to make it more comfortable. The couch had survived multiple moves, including a two-hour drive from Penetanguishene to Toronto in light rain. Even at that point, it had already been stitched up by my stepmom and was something like 15 years old. It

had a good run. But it was time to go.

Of course, shopping for a new couch is no easy feat. What kind of frame should you opt for? Should you choose fabric or leather? What size is suitable for your space? How do you buy on a budget? There is a lot to consider when you’re looking for a new couch. This is where Clifford Goodwill comes in. Clifford is EQ3’s director of interior design and store planning. He looks after the floor plans for stores across Canada and the United States, and takes care of the interior design for upcoming store openings and helped me out with a few tips.

What is the first thing to think about when buying a new couch?

How do you want your space to function? It is primarily a room for entertaining guests, being entertained in front of the TV, or does it need to function as both? Fabric or leather?

Leather might be more cost up-front, however, it can be easier to care for — especially if you entertain or have kids. My biggest suggestion is to not restrict yourself to what you think you want or need — start shopping and see what is available. Talk to the sales associate and learn about all your options because they are often not all shown on the floor.

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What do people often overlook?

I think people often overlook the options available and select a sofa without considering other configurations. It’s not like walking through a clothing store and not buying something because the size isn’t there — ask questions!

Think about how you want to use your space — and your new sofa — to best suit your needs. Many of our sofas come in two widths, apartment sofas, love seats, chaises, or completely configurable sectional components. Because of these options, EQ3 provides free in-home consultations to help our customers make that final decision with an expert. Secondly, people often forget to ask, “Where is this made?” or “What type of foam construction is used?” and “What is the frame made of?” It can be easy to focus on the look of the piece and forget about the construction details inside.

Clifford says: • Avoid purchasing a sofa if you don’t know how it is constructed • Avoid purchasing a sofa based purely on price or looks • Avoid purchasing a sofa that is too big for your space

What do you suggest for bigger spaces?

What kind of couch frames exist?

What’s the difference?

A sturdy frame means a longlasting sofa — which is why EQ3 has a lifetime warranty on all of our hardwood frames. Soft woods are low cost, but can warp and crack over time. Joinery is key — make sure never to buy a sofa held together solely by staples, nails or glue.

What fabric do you suggest?

Last year we introduced Jet, our Italian performance fabric in eight colour options. This fabric is made of an inherently flame retardant polyester — removing the need for chemical treatments. With our supplier, we developed herringbone and houndstooth patterns that are exclusive to EQ3. These patterns are perfect for custom pillows or

is perfect for smaller spaces. Chairs can take up too much room in a smaller space. Instead, pair your sofa with an upholstered ottoman with storage that can double as seating if needed. If you live in an apartment with a small elevator or a home with a narrow staircase, consider purchasing sectional components instead of a single sofa.

accent pieces like ottomans. We also recently introduced Lana — a 70 per cent reclaimed wool blend in eight colours. It’s like wrapping your sofa in a sweater.

What do you suggest for small spaces?

A smaller space does not necessarily limit your choices — many of EQ3’s upholstery collections come in two sofa widths, apartment size sofas, and loveseats. Avoid pieces with larger arms or a deep seat and select lighter fabrics or leathers. Our Eve collection in the 22-inch seat depth

For a big space, I would go with the Morten collection sectional, it’s a completely configurable sectional so all the pieces are movable. In our recent catalogue, we show it in three different colours, so there’s a tricolour effect. It’s incredibly comfortable.

Note: Because the pieces are sectionals, you can basically purchase as many as you want so there’s no limit to how long you can make your sofa!

What can you suggest for someone on a tighter budget?

Our Stella sofa in fabric starts from $799. This collection has a low profile and compact design perfect for smaller spaces. Like all our sofas, the pieces are made and designed in Canada.

Jackie Marchildon is the bilingual senior editor at Yellow Pages NextHome. Nowadays, she spends her time searching for hidden gems across the city, whether it’s new neighbourhoods and restaurants or upcoming trends in real estate and home decor. Email her at jackie.marchildon@ypnexthome.ca.

JUL 23 - AUG 20, 2016 | NEW HOME GUIDE 73

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Hot Properties

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

LATEST LISTINGS

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

new releases VALLEYLANDS

BEACON HILL – AVERTON HOMES

GLENWAY NEWMARKET

new openings NEWTOWNS AT MOUNT PLEASANT By: Primont Homes City: Brampton Housing type: Phase 2 of masterplanned community of townhomes primonthomes.com

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

AURORA VIEWS By: Treasure Hill Homes City: Aurora Housing type: Single detached homes on 40and 45-ft. lots. treasurehill.com

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

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

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

BEACON HILL By: Averton Homes City: Bowmanville Housing type: New release of freehold townhomes. Prices starting from the $400s. averton.ca

CORNELL ROUGE By: Madison Homes and Forest Hill Homes City: Markham Housing type: New release of freehold townhomes and single family homes. Towns starting from the mid-$800s. cornellrouge.com

DWELL CITY TOWNS By: Menkes City: Etobicoke Housing type: Final release of townhomes in Etobicoke, starting from the high $600s menkes.com

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

SPICE URBAN TOWNS KLEINBURG GLEN

By: Fieldgate Homes City: West Brampton Housing type: New release of single detached 38- and 50-ft. designs from the $800s. fieldgatehomes.com

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

preview registration ALDERIDGE By: Mattamy Homes City: Etobicoke Housing type: Single and semi-detached homes in established neighbourhood mattamyhomes.com

…continued on page 76

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LATEST LISTINGS

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

…continued from page 74

UPTOWNS ON BAYVIEW By: Primont Homes City: Richmond Hill Housing type: Upscale townhomes located at Bayview and 19th avenues. primonthomes.com

CHELSEA MAPLE STATION By: Aspen Ridge Homes City: Maple Housing type: Coming soon –modern townhomes across from the Maple GO station aspenridgehomes.com

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

VISTA By: Geranium Homes City: Stouffville Housing type: Condominium one-storey flats and two-storey towns from the high $300’s vistaflatsandtowns.com

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

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 Junction Triangle from 1,593 sq. ft. from high $700’s heritagetowns.ca

COUNTRY LANE By: Heathwood Homes & Andrin 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

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

By: Mattamy Homes City: Aurora Housing type: 45- and 50-ft. lots in a wooded enclave mattamyhomes.com

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

WHITBY CENTRAL By: Brookfield Residential City: Whitby Housing type: Single-detached homes in a 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

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

2.45

Bank of Montreal

2.7

Bank of Nova Scotia

2.9

Canadian Western 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 2.79 6.30op 2.89 6.75op 3.29 6.50op 3.14 6.30op 2.84 6.35op 3.14 3.14 6.35op 2.84 3 3.20op 3.14 6.70op 2.79 3.14 6.75op 2.99 6.30op 3.19

2.29 4.00op 2.34

2.44

2.49

2.59

2.4

2.69

2.48

2.99

3.39

3.89

2.49

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.79

2.44

4.09

4.79

3.04 2.7

3.65 3.39

4.39 4.09

4.64 2.7

2.84 2.94

2.84 2.84

2.89 2.79

2.89 2.89

3.04

3.39

2.64

2.74

3.34 2.39

3.99 2.44

4.44 4.39

4.64

2.84

3.39

2.34

2.59

3.24

3.49

3.69

3.79

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op

3.25 3.5

3.95 3.7

4.39 4.3

4.64 4.35

2.14 3.09

2.34 3.39

2.59 3.89

2.59 2.59

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

2.79 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 2.39

2.34

2.4

2.69

2.48

2.89

2.95

2.99

2.89

2.24 2.79

2.39 2.89

2.49 2.95

2.54 2.89

3.09

3.39

3.89

4.74

3.2

3.65

4

4.5

2.79

2.64

3.89

2.44

2.69

3.49

3.99

4.54

2.85

2.95

3.05

3.15

2.39

2.39

2.49

2.49

2.7 6.95op

Equitable Bank HSBC Bank Canada

2.79

ICICI Bank Canada Manulife Bank

2.75 2.6

National Bank

n/a

President’s Choice Finan 2.70 Royal Bank

2.6

4.45 6.20op 4.45 4.4 6.70op

6.75op TD Canada Trust

2.6

Tangerine

2.7

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Company Investors Group Trust

2.35 n/a

MTCC

2.9

OTHER FINANCIAL INSTITUTIONS Alterna Savings

2.45

Comtech Fire C.U.

2.6

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 July 18, 2016. Prepared By Fiscal Agents Financial Information Services 905.844.7700

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Trending now The latest real estate news from across Canada

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GTA_M

projects & communities MAP LISTINGS IN THIS ISSUE PAGE

49

BUILDER

SITE

CONTACT INFO

Averton Homes

Main Street Seaton

289-545-0022

Briarwood Homes

Young’s Cove

youngscove.ca

continued from page 80 PROPERTY TYPE

PRICE RANGE

from $350,000 S

T

MAP FINDER

25N

from $350,000

Brookfield Residential

Foxtrail

foxtraillife.ca

25

Fieldgate Homes

Whitby Meadows

fieldgatehomes.com

D

23

Heathwood Homes

Country Lane in Whitby

CountryLaneWhitby.com

D

Mattamy Homes

Seaton

www.mattamyhomes.com

D

Treasure Hill Homes

Shift

treasurehill.com

Andrin Homes

Hillsborough Holland Landing

andrinhomes.com

D

Aspen Ridge Homes

King Country Estates

905-558-0255

D

Aspen Ridge Homes

Queensville

yourqueensville.ca

D

Averton Homes

Victoria Highlands

416-924-0110

D

Averton Homes

Village Green

Averton.ca

65

Ballymore Homes

Mill Street Village

millstreethomes.com

45

Ballymore Homes

The Villages of Killarney Beach

ballymorehomes.com

Briarwood Homes

Mill Street Village

millstreethomes.com

Briarwood Homes

Pretty River Collingwood

1-888-257-1999

from $310,000

Brookfield Residential

Fieldstone

1-855-379-1495

Brookfield Residential

Grand Central

905-778-0873

Brookfield Residential

Treetops

1-855-590-3577

Brookfield Residential

Willow Glen Tottenham

905-406-1044

53

Far Sight Homes

Greenfields

farsight.ca

5

Great Gulf

Hillsborough Holland Landing

greatgulf.com

Great Gulf

Sharon Village

905-478-7362

Great Gulf

Summerlyn Village

905-775-3461

Mattamy Homes

The Estates of King Township

mattamyhomes.com

Menkes

Hometown Sharon Village

Treasure Hill Homes

21

PIN

70

43

27G

T

from $470,000

31

28N

T

32

28N

44

24N

70

25N

51

18E

18

13I

from $550,000

46

20D

from $720,000

69

23E

from $560,000

20

12E

20

12E

from $600,000

76

5E

from $600,000

47

16D

from $370,000

49

13A

T

from $330,000

19

11E

T

from $320,000

81

11A

from $570,000

51

18E

from $600,000

65

20E

from $680,000

52

17D

T

74

16I

menkes.com

T

54

19F

Acacia Estates

treasurehill.com

T

from $2360,000

56

16J

Aspen Ridge Homes

Mayfield Village

905-230-2592

D

T

from $360,000

22

9L

Averton Homes

Averton Square

Averton.ca

D

T

from $500,000

S

T

from $350,000

T

North 5

19

7

from $700,000

T

T S

T

from $550,000 S

T

from $560,000

D T D

West 41

S

Brookfield Residential

The Village

1-866-930-0050

Dunpar Homes

Heritage Gate

416-236-9800

S

T

from $720,000

77

10S

Dunpar Homes

Trafalgar Ridge

416-318-9112

S

T

from $750,000

29

8U

Fieldgate Homes

City Towns Valley Lands in Brampton

fieldgatehomes.com

D

S

T

from $400,000

26

9P

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Lotus Pointe Caledon

905-838-2806

D

T

from $724,000

23

8M

Fieldgate Homes

Valley Lands

905-457-0445

D

T

from $800,000

26

9P

Great Gulf

Trafalgar Landing

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T

from $200,000

30

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D

from $537,000

24

8P

37

Greenpark Homes

Saddle Ridge

saddleridgemilton.ca

D

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37

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Upper Oaks

upperoaks.ca

D

S

Heathwood Homes

Meadow Green

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D

S

from $650,000

58

8Q

Mattamy Homes

Cranberry Hill

mattamyhomes.com

Mattamy Homes

Hawthorne South Village

mattamyhomes.com

T

from $634,000

59

6S

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

T

from $496,000

60

7O

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The Preserve

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from $406,000

29

7V

Mattamy Homes

The Village of Southfileds

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from $760,000

66

8M

Mattamy Homes

Topper Woods

28

6O

25

7O

27

8M

23

8M

78

11L

29

25

from $300,000

S

T

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D

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Mattamy Homes

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7

Menkes

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13

Primont Homes

Newtowns at Mount Pleasant

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Primont Homes

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905-843-8686

Starlane Home Corporation

Lotus Pointe Caledon - Phase 2

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D

Starlane Home Corporation

Mountainview Heights

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D

S

T

37

Starlane Home Corporation

Saddle Ridge

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D

S

T

37

Starlane Home Corporation

Upper Oaks

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D

S

Treasure Hill Homes

Tiara Estate Collection

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D

S

from $850,000 T

S

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from $715,000

T

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from $1090,000

Property Type D Detached S Semi-Detached T Townhome

TNH 07-23-16_master.indd2 79 GTA_Map_alllistings.indd

5:42 PM 2016-07-19 3:45

projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

SITE

CONTACT INFO

PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

Central Andrin Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

D

Arista Homes

Aurora Trails

aristahomes.com

D

Arista Homes

Boxgrove Village Markham

boxgrovevillage.com

Arista Homes

IMPRESSIONS

aristahomes.com

D

Arista Homes

Jefferson Forest

jeffersonforest.ca

D

Arista Homes

Vaughan Valley Estates

aristahomes.com

D

IFC

Aspen Ridge Homes

Chelsea Maple Station

aspenridgehomes.com

D

1

Aspen Ridge Homes

Corporate

aspenridgehomes.com

D

Aspen Ridge Homes

Kleinburg Hills

aspenridgehomes.com

D

Aspen Ridge Homes

Scenic on Eglinton

416-805-1781

D

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

Aspen Ridge Homes

Upper West Side

uwscommunity.com

Averton Homes

Averton Common

Averton.ca

Averton Homes

Corporate

Averton.ca

T

Averton Homes

Evolution

416-747-9691

T

Brookfield Residential

Corporate

brookfieldhomes.ca

27

Brookfield Residential

The Arbors

905-503-0992

27

Brookfield Residential

Woodhaven Aurora

WoodhavenAurora.ca

D

Fieldgate Homes

90 Niagara

416-981-0036

D

Fieldgate Homes

Aurora Trails

fieldgatehomes.com

D

25

Fieldgate Homes

BlueSky Stouffville

fieldgatehomes.com

D

25

Fieldgate Homes

City Lux Towns

fieldgatehomes.com

D

25

Fieldgate Homes

IMPRESSIONS

905-893-9500

D

Fieldgate Homes

Zigg

416-545-0223

D

Forest Hill Homes

Bridle Path of Thornhill

foresthillhomes.ca

D

Forest Hill Homes

Cornell Rouge

905-472-9556

Forest Hill Homes

Jefferson Forest

foresthillhomes.ca

Great Gulf

Corporate

416-449-1340

33

11

S

68

18F

T

from $700,000

14

19G

T

from $800,000

15

22M

T

from $800,000

3

12K

T

from $586,000

10

18J

from $1200,000

7

14L

8

16L

T 45

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from $190,000

33

18Q

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34

17R

from $1099,000

4

17L

from $690,000

80

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75

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48

19H

from $1000,000

86

18I

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35

16S

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from $620,000

14

19G

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12

22J

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3

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T T

C

D C

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D

36

16R

from $2500,000

50

18E

T

from $850,000

16

23M

T

from $990,000

10

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1

16Q

from $850,000

16

23M

T T

Madison Homes

Briar Hill

madisonhomes.ca

11

Madison Homes

Cornell Rouge

905-472-9556

D

15

Madison Homes

REALTowns Thornhill

Madisonhomes.ca

D

from $890,000

85

17L

Madison Homes

Thornhill Ravines

905-417-1203

D

from $1800,000

53

16L

Madison Homes

Zigg

ziggcondo.com

D

from $380,000

10

18J

Mattamy Homes

Alderidge

mattamyhomes.com

D

82

13S

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Cornell

mattamyhomes.com

D

T

17

22M

Mattamy Homes

Corporate

mattamyhomes.com

D

T

Mattamy Homes

Downsview Park

www.mattamyhomes.com

37

15P

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Heron Park

www.mattamyhomes.com

38

22Q

Mattamy Homes

Kleinburg Summit

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

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Upper Summerside

www.mattamyhomes.com

Menkes

Dwell City Town

Menkes

BC

8-9

7

17

21

S

T S

S

from $260,000

T

from $400,000

D

84

13K

C

from $220,000

39

14S

C

from $550,000

40

16S

41

18K

from $300,000

39

14S

T

from $450,000

42

19R

416-259-2525

T

from $690,000

2

12S

Humber Mews

416-259-2525

T

from $550,000

2

12S

Primont Homes

JadeGarden at Cornell

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55

22M

Primont Homes

Renaissance Townes

905-417-3363

T

5

15K

Primont Homes

Uptowns on Bayview

primonthomes.com

T

9

18K

Rosehaven Homes

Corporate

RosehavenHomes.com

T

Treasure Hill Homes

Aurora Views on Wellington

treasurehill.com

T

57

19H

Treasure Hill Homes

Time

treasurehill.com

T

72

18H

Treasure Hill Homes

Victory Heights

treasurehill.com

T

6

18L

Andrin Ltd.

Country Lane in Whitby

CountryLaneWhitby.com

D

T

32

28N

Arista Homes

Whitby Meadows

aristahomes.com

D

T

31

28N

Averton Homes

Beacon Hill Bowmanville

905-674-6166

D

D

T C S

S

T from $750,000

from $1460,000

East 23

continues on page 79 80

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Baxter

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Line

Line

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8th

11th

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d

r vic e Rd

Jarvis St

Se

Ave

34

40

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35

University Ave

Edgewood Rd

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

Queen St W King St W Front St W

Ov

Bro adv iew

e

Egli

33

Moore Ave

Donlands Ave Jones Ave Pape Ave

Christie St

Lansdowne Ave

Ossington Ave

Moffat Rd

Laird Dr

Avenue Rd

36

Mt Pleasant Rd

Spadina Rd

St Clair Ave W Davenport Rd Dupont St

Eastern Ave

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Park

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Toronto

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Dr or ds Win

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York Mills Rd

Lawrence Ave W Glencairn Ave

OakwoodAve

Meddaugh Rd

Allen Rd

Caledonia Rd

Rd

Middletown Rd

Sheppard

Rd ian Lorne Ind

Clarkson

d Blv

Middletown Rd

Willow

Eastlake

St rr Ke

Rd

Senlac Rd

Wilson Hts Blvd

37

Cumme

Willowdale Ave

Drewry Ave

North York

Rogers Rd

Roncesvalles Ave Weston Rd Keele St Parkside Dr High Pk

d nR sto We

39

Thornh

r

k Cr Dr Blac

Judson St

Park Lawn Rd

82

Lake Shore Blvd W

e rmer WindeAve

Evans Ave Horner Ave

Runnymede Rd

Prince Edward Dr Royal York

The Queensway

Centre St

71

New W estmins ter Dr

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Keele St

Jane St

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Norfinch Dr Dr

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407

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Renforth Dr

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Teston Rd

Maple Leaf Dr

Etobicoke

Gamble Rd

McNaughton Rd

55

Dixon Rd The Westway

1

Jefferson Side

49

Bass Pro Mills Dr

ar nm Fe

Islington Ave

Kipling Ave

400

Bloomington Rd

King-Vaughan Rd

Langstaff Rd

Weston Downs

Finch Ave W

75

8

74

Kirby Rd

Rutherford Rd

73

Rexdale

Burnhamthorp eR d Bloor St W

Hender

56King Rd Weston Rd

Pine Valley Dr

Martin Grove Rd

Carlingview Dr

QEW

la eo Min

20

Dufferin St

7th Concess ion

Mill Rd Kipling Ave

Clarence St

McGillivray Rd

Hunting ton Rd

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Jane St

Jane St

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8th Concess ion

10th Concess ion

Cold Creek Rd

72

Rathburn Rd

Wel 53

11

409

427

Miller’s

16th Sideroad

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Dr Gore

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Middletown

Fraser St

Wanda St

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Leonard Rd

St ian M

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line Caledon-King Town Dr ay rkw Cla

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Sideroad 10

Coffey Rd

Sideroad 20

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55

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17th Sideroad

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Nobleton

Elder Mills

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Streetsville

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Ho Port ove rR d

Fowler Rd

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Allin Rd

Mosport Rd

Best Rd

New Park

Gibbs Rd

17

Cooney Rd

Con

Gan Jewel Rd

Vickers Rd

Gamsby Rd

Lawrence Rd

Pollard Rd

35 115

Bell-wood Dr

Arthur St

Golf Course Rd

Moffat Rd

Lockhart Rd

King St Stephenson Rd

Mill St

Riley Rd

V

Squair Rd

U

Kirby

Ochonski Rd

Bennett Rd

Waverly Rd

T

West Region North Region

42

Darlington Clarke Townline

Providence Rd

Lambs Rd

Bowmanville P

S

Central Region

Nixon Rd

O

Concession Rd 3

Main St

Queen St E

s St

4

Leskard 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

M tP lea sa nt Tr ail

Holmes Point Rd Victoria S

Mapl

La ke Dr

Duclos Rd

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St ou ffv ille

Dick Re

Concession Rd 10

Aked Rd

Clemens Rd

Green Rd

Sew ells

Lindsay St

H Corneil Rd

Woodley Rd Liberty Rd

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F Hall Rd

River Rd

35 Boundary Rd

R

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Allan Long Rd

View Lake Rd Johns Rd

I

Concession Rd 8

Concession Rd 4

Maple Grove Rd

Hancock Rd

Daw es R d

Coxwell Ave

Greenwood Ave

Woodbine Ave

n sto ng Ki

C

Yelverton

St Clair Ave E

Rd rth nfo Da

5 Concession 10

7A

Cartwright East Quarter Line

Holt Rd

Rundle Rd

Trulls Rd

Courtice Rd

401

2

Maple Grove

Concession 11

Concession 4

Taunton Rd

Salem

H

20

Lettner Rd

Solina Rd

Washington Rd 34 Bloor St

HWY

Concession 12

Concession 3

Hampton

Nash Rd

G

J

Cedar Park Rd

Vannest Rd

59

Concession Rd 6

Pebblestone Rd Tooley Rd

Townline Rd

e Murray Av

Dovehaven Rd

McLaughlin Rd

Old Scugog Rd

Ormiston Rd Langmaid Rd

Park Rd

P

East Ave Port Union Rd

ll i p

Union School Rd Wotten Rd

Enfield Rd

Townline Rd

Olive Ave

Solina

Mitchell’s Corners

62 hi

Hoyer Rd

Nestleton Rd

Cartwright West Quarter Line

Graham Rd Russell Rd

Wilson Rd

55

58 King St

Bond St Gibb St

Grandview St N

Harmony Rd

35

Adelaide Ave

22 rth St Went wo

60

Enniskillen

Concession Rd 7

Conlin Rd

54

Mountjoy Rd

Concession Rd 10

3

Sand Bar Rd

Ogemah Rd

Washburn Island Rd

Rd

Harmony Rd N

Ritson Rd

Stevenson Rd

Hopkins St

Halls Rd

Pickering Beach Rd

Shoal Pt Rd

Westney Rd

Harwood Ave

Squire Beach Rd

Sandy Beach Rd

Henry St

Burns St

Grandview St N

Simcoe St 53

Valentia Rd

Eldon Rd

Beacroft Rd

Mississaugas Trail

He ad Sandy Rd

Ritson Rd

Stevenson Rd N 52

Dundas St

Barry Moore Rd

Bush Rd

White Rock Rd

Fingerboard Rd

Sim coe St

Till Sdrd

Thickson Rd

Anderson St

Cochrane St

Brock St

36

4

57

Byers Rd

57

Janetville

Fallis Rd

Cadmus

McKee Rd

Concession Rd 9

34

Nestleton

Devitts Rd

3

Oshawa

28 Ma nn in g Rd

Boundary Rd

33 2

Bradburn Rd

Burketon

Winchester Rd

16

3rd Concession

Barry’s Rd

Station Rd

Old Simcoe Rd

Thornton Rd

Columbus

Whitby Garden St

Salem Rd

Victoria St

12

Taylor’s Rd

Sideroad 18

Sideroad 18A

Stevenson Rd N

Duffs Rd

Columbus Rd

Mariposa/Ops Bdry

Eldon Rd

Ridge Rd

Diamond Sideroad

Country La

McQuay Blvd

Halls Rd

Ravenscroft Rd

3143

41

44

Cedarbrook Tr

Lyndebrook Rd

Eden Rd

Sideroad 18A

Spadina Sdrd

Grey Sideroad

Bryant Sdrd Cochrane St

Coronation Rd

Halls Rd N

Salem Rd

Westney Rd

Ajax

Ashburn Rd

Country La

Kinsale Rd

Greenwood Rd

Taunton Rd

Howden Rd

26

19

Raglan Rd

Raglan

7 12

3

32

Shirley Rd Coates Rd

Myrtle

Brooklin

Rossland Rd

24

Heron Rd

Sideline 2

Myrtle Rd

Ashburn

5th Concession Rd

31

Scugog Line 3

t Rd

Malcolm Rd

Edgerton Rd

Church St

2

Scugog Line 2

Brawley Rd

Greenwood

oin

Scugog

Scugog Line 4

B

F Concession 14

Proutt Rd

Reach St

Chalk Lake Rd

Dagmar Rd

Sideline 4

Paddock Rd

31

2

Bayly St

57

Beacock Rd

Rd st Ma

Lakeridge Rd

Balsam Rd

Sideline 5

Sideline 12

Riverside Dr

Church St

Liverpool Rd

eE Av

38 West Hill

Valley Farm Rd

38

ton gs Kin

Balsam

HWY

Rd

Pine Pt Rd

Ma Brown’s Rd

Jobb Rd

High P

Mount Zion

70 Brock Rd

Whites Rd

Dixie Rd

Rosebank Rd

Altona Rd

Finch Ave

Westney Rd

Sideline 14 Sideline 22

Sideline 22

Concession Rd 3

Sheppard Ave

Lawrence Ave E

Sideline 14

Sideline 22

Sideline 24

44

Blackwater Rd

8th Conc Rd

Brock Rd Sideline 16

Sideline 20

Sideline 24

North Rd

7

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Morningside Ave

Guildwoo d P

4th Conc Rd

27

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Plug Hat Rd

Meadowvale Rd

Neilso n R d

Milner Ave

Glen Major

Pickering

407

Beare Rd

Sewells Rd Old Finch Ave Rd

Military

Dr

Bellamy Rd

Eglinton Ave E

Brim o rt on

Scarborough Golf Club Rd

Victoria Park Ave

Midland Ave

Birchmount Rd

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Pharmacy Ave

Brimley Rd

Ellesmere Rd

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Sideline 28

Box Grove

Tapscott Rd

Middlefield Rd Nugget Ave

71

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Don Mills Rd

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7

11th Line

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Leslie St

H

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Sheppard Ave

Mortimer Ave

Sideline 34

15

Markham Rd

14th Ave

71

Denison St

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Main St

Woodbine Ave

Leslie St

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7th Concession Rd

Whitevale Rd

McNicoll Ave

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10th Line 17th Ave

Markham

Unionville

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Major Mackenzie Dr

25

73

12

John St

69

al

16th Ave

67

Houston Rd

1

8th Concession Rd

Rd

3

Rainbow Ridge Rd

Mabels Rd

L AKE SCUGOG

Scugog Line 6

Ried Rd

Pine Rd

Claremont

Demara Rd

nd Isla

Epsom

Cottage Rd

7 Mile Chandler Dr Island Rd

Whitfield Rd

Scugog Line 8

Uxbridge Pickering Townline

5

Elgin Mills Rd

47

E

28

7

Harper Rd

Scugog Line 9

HWY

.

La ier oz Cr

7

Cross Creek Rd

Pogue Rd

Clements Rd

Scugog Line 9

D

Ramsey Rd

Lind 17

Kent St

4

Cricket Hollow Rd

16

Hood Dr

C

Ranch Rd

Seagrave

8 Ward Rd

21

Webb Rd

Altona

Dicksons Hill

48

D on

Warden Ave

ond Hill

65 Kennedy Rd

Victoria Square

41 49

McCowan Rd

919th Ave

29

Stouffville 12

Main St

Algonquin Rd

4

Long Rd

Little Britain Rd

Little Britain Rd

Zion Rd

Fenelon Bdry

Dewdrop Rd

Cresswell Rd

Salem Rd

Utica

Allbright Rd

Sideline 26

Markham Rd

Stouffville Rd

14

Jefferson

Glasgow

Marsh Hill Rd

St

Brookdale Rd

7th Conc Rd

R

Yonge St

Bethesda Rd

Bethesda

eroad St 10

Secord Rd

Kawartha Lakes

Cookston Rd

B

Taylor Corners

Farmstead Rd

Royal Oak Rd

Scugog Line 12

Cragg Rd

Medd Rd

47

Whitchurch-stouffville

Sunset Beach Rd

Sideroad 17 Sideroad 17

O’Beirn Rd

43Reach

7 12

Marsh Hill

Scugog Line 12

40 34

Sideroad 17A

Shier Rd

47

Goodwood Rd

HWY

Wetheral Sdrd

Brock Rd

Saintfield 8th Conc Rd

HWY

Uxbridge

Prouse Rd

Farmstead Rd

7th Concession

Little Britain Rd

6

Blue Mountain Rd

Canton Rd 8

Wagg Rd

Hillsdale Dr

86Aurora

7

Brock-Scugog Townline Rd

1

6th Conc Rd

d

Sideroad 17

Lake Ridge Rd

6th Concession Rd

Vandorf Rd

Lloyd Sdrd

P e ff e r l a w

Weir’s Sideroad

5th Concession Rd

Jesse Thomson Rd

4th Conc Rd

Aurora Rd Lak es

GrahamRd 6

Oakwood

7A

Cambray 18

Manilla

Pinedale

Scugog Line 14

A

Skyline Rd

9th Concession

2nd Concession

Victoria Corners

9

Quaker Rd

13

Victoria Corners Rd

Goos

33 The Glen Rd 34

Peniel Rd

6th Concession

Foster Dr

Ball Rd

Roseville Siloam 3nd Concession Rd

8

13

21

Cameron 9

Rd

46

10th Concession

Sunderland

9

Black School Rd

11th Concession

Islay

Rd

Valley

32 12

8th Concession

4th Concession

23

Ballantrae 15

11

31

5th Concession

Uxbridge

St Johns Rd

Wesley Cors

Zephyr Rd

13

Feasby Rd

e hor

rson Dr

Bow St

St John’s Rd

Vallentyne

Linden

6

Grasshill

Woodville

Cannington

9th Concession

King St

2

Concession

Derryville 12

Woodville

St

King

30

Brock

Vrommanton

23

46

2

Weirs Rd

Sandford

Sandford Rd

2nd Concession Rd

72

Woodbine Ave

48 57

Bayview Ave

llington St

14

26

Udora

14th

29

Hartley

Lorneville

10

Leaskdale Rd

Ashworth Rd

69

Cherry St Faulkner Ave

Bogarttown

39

82

Fowlers Rd

5th Concession Rd

1

St John’s Sideroad

Zephyr

t

Davis Dr

Cedar Valley

Vivian Rd

74

Brewster Rd 39

York-Durham Line

Mulock Dr

Ravenshoe Rd

4th Concession Rd

Davis Dr

Newmarket

Stoney Batter Rd

West Franklin

Bales Dr

68

Cedarbrae

Foot Dafoe St St

St

19

Prout Rd

Herald Rd

28 13th Concession

Wilfrid

10th Concession

Kennedy Rd

9th Concess ion

Rd Franklin

54

Green Lane

27

Rd

Q u a r ter

Lorneville

Brock-Thorah Townline East

Concession

21

Old Shiloh Rd

3rd Concession Rd

Mount Albert Rd

13

12

ain M

Park Rd

Rd

Centre St

ng ndi La

65

Georgina

Hollingers Rd

Doane Rd

Farr Ave

13

38

s Sideroad

2nd Concession Rd

46 East Gwillimbury

14th

Cedarbrook Dr Rd

Old Homestead Rd

Smith Blvd

Meyers Rd

Orchard Ct

77

Hornes Rd

Bridle Path

51

H

48

26 Morning Glory Rd

Dr

g Irvi n

Concession Rd 3 Thorah

Concession Rd 2 Thorah

48

81

Leitch Rd

Cole Rd

Queensville Sideroad

79

BrockThorah Twnl W

Thorah Beach Port

Point

25

18

Brown Hill

Holborn Rd

Queensville

24

Frog St

Boag Rd

Maple Hill

8

Doane Rd

45

51

Ravenshoe

Island View

Rd

Audubon Way

Miles Rd Blake Ave

Leslie St

Sand Rd lla nd

Rd

River

Maple Beach

Duclos Point

Rd

Virginia

Latimer Rd

3

2nd Concess ion

77

ing ter Ca

Boag Rd

Holborn Rd

38

32

Briars Pk

Sutton

View Dr

Holland Marsh

10th Line

Rd st re nc ve Ra

Carley Rd

The Queen sway

est ry

Ravenshoe Rd

Morning Sdrd

Lasher La Valley

Pollock Rd

Glenwood Ave

Line 12

Cryderma n’s Rd

Morton Ave

COOK’S BAY

Line 13

1 Ho

23

Mile Lane

Park Rd

22

Count ry Bethel Side Rd

Baldwin Rd

Fennell

Sdrd

21

Black 80 Hi

Rd 9 ing

Church St

Gilford Rd

ou se Rd

Base Line Rd

Lockie Sd Rd

Old Homestead Rd

Rd

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St gh

20

Jacksons Point

3 8A

Boyers Sideroad

Rd Dalton Rd

Deer Park Rd

Willow Beach

h ore

S

19

Island Grove

Metro Rd

Rd

DeGrassi Point

The Que ensw ay

Line

20th Sideroad

3

Roches Point

Harbour St Pine Ave

l

18

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39

Killarney Beach Rd

Lake

Dr

Civic Cen tre

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Belle Aire Beach Rd

3rd

23

Nantyr Park

Line

Virginia Blvd

Line

20th Side road

6th

Old

7th

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Nantyr

John’s Rd

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