GTA New Home Guide - Aug 31, 2013

Aug 31 - Sept 14, 2013 Volume 21 Issue 16

INSIDE THIS ISSUE

WHO SHOULD PAY FOR INFRASTRUCTURE?

KNOW WHAT’S INCLUDED IN YOUR SALES AGREEMENT

10 TIPS FOR A SAFE AND SMOOTH MOVE

Aspire.

aspenridgehomes.com

Upper Cornell.

Dare to live the dream you’ve always dreamed of.

NEW RELEASE NOW AVAILABLE. Now is the time for your opportunity to live in Upper Cornell, Markham’s most popular community. Aspen Ridge Homes presents a new release of semis and detached homes on 30 foot lots with beautiful views overlooking a parkette and surrounded by small village charm. Be sure to visit our sales office at Bur Oak and 9th Line and tour the incredible model homes.

Markham Upper Cornell Northeast corner of 9th Line & Bur Oak Semis & Singles starting from the high $400’s aspenridgehomes.com or call 905.554.3446

SALES OFFICE

CARDREW ST.

9TH LINE

HWY 404

BUR OAK AVE.

NORTH

SIXTEENTH AVE.

CORNELL PARK AVE.

There are communities. And then there’s Cornell. This is where the master plan started with people, not roads, and with what today’s families need long before we designed the first home. Cornell is a place famous for its block parties, Canada Day celebrations and a sense of community built on neighbourhoods becoming friends. Our planners call the community design “new urbanism.” We simply call it wonderful.

© Aspen Ridge Homes. Prices and specifications are subject to change.

See sales representative for details. All Rights Reserved. E.&O.E. August 2013. 21540.

HWY 7

ASPIRE.

aspenridgehomes.com

contents aug 31 - Sept 14, 2013

||

volume 21 issue 16

cover story

p. 32 starlane homes Stop searching, start living, at Churchill Woods in Mississauga

68

community focus features 24 b rampton Fieldgate Homes

Valleylands – a fantastic location in South Brampton

68 B RAdford National Homes 46 42

National is coming to Bradford – with Pottery Barn model homes

94 milton Mattamy Homes

set to offer new homes in two Hawthorne Village neighbourhoods

94 78

regular and special features

80

in every issue

4 10 54 1 18

editor’s note contributors hot dates ad index

columnists

14

BILD Report

Who should pay for muchneeded infrastructure?

by Bryan Tuckey

16

tarion report

If it’s not included in your APS, it’s not covered by Tarion

by Howard Bogach

34

market research

Lowrise new home sales on track in the second quarter

homebuyers’ help

28

by Lloyd Martin & Mark Jin

38

the mortgage minute

The equity solution – how Canadians can cash in

by Peter Kinch

44

taxing issues

Style file

ohba

74

ohba

76

housing tour

78

Kylemore communities

80

Broccolini

98

new home prices

builder perspectives

The importance of keeping a dynamic public face moving tips

10 tips for a safe and smooth move

111 resource section

Mortgage Calculator and Rate Table

Pooling financial resources

by Henry Choo Chong

46

96

70

115 GTA Hot Sheet

Two pages of new openings, new releases and preview registrations

The humble chair

by Laura Stein

50

Legally Speaking

in the news

by Jayson Schwarz

48

Getting your house in order

120 fundamentally speaking

Preparing for higher mortgage interest rates

by Wayne Karl

52

habitat for humanity

Building industry raises $36,000 for Habitat for Humanity treetops

TreeTops at Hidden Valley kicks off with official ribbon-cutting

Affordability, fairness must be part of Ontario’s planning: OHBA OHBA announces finalists for 2013 Awards of Distinction Intensification Housing Tour visits developments in Etobicoke Charities win at Sixth Annual Kylemore Kares Golf Tournament Park Towns at Bayview and Sheppard sell out within hours Lowrise prices hit record high while sales remain slow

106 Tarion Warranty corp.

Tarion wins Excellence in Governance Award

editor’snote

Long-term commitment will afford you peace of mind

W

hether you’re relocating from one coast to the other or moving to your first place, changing homes can be hectic, exciting and certainly stressful. But, relax.

You can eliminate the anxiety associated with moving by taking control of the situation with confidence.

Understanding the market is just part of the story. Knowing what you need and what you can afford is the more important part of the equation. Making a prudent purchasing decision that doesn’t keep you up at night when interest rates rise, or market news becomes the talk of the town, is up to you.

Any expert will tell you that buying a home or condo is a long-term commitment. This issue is full of great tips from the experts as well as the latest news designed to help you make a wise purchasing decision.

Along with our Community Focus features, which outline the specifics on many fine communities, there’s lots to take in – so kick back, relax and enjoy.

You’re in the driver’s seat.

Susan Legge Editor-in-chief Wall2Wall Media, Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

Like us on Facebook. Search: New Home Guide

New home treasures

As the saying goes, one man’s trash is another man’s treasure. But does it apply in real estate?

A

few weeks ago, an item hit the news: “Forsaken Detroit homes for sale for as little as $1.” And digital media being what it is in 2013, within hours the story had been picked up by outlets across the continent, and republished, repurposed, regurgitated and retweeted ad nauseam.

“What? Homes for sale for $1? Let’s buy 10,” seemed to be a common refrain from many people, speculating – some, perhaps, not in jest – that this was their opportunity to become real estate moguls.

While interesting reading and entertaining thinking, such scenarios usually offer little real potential. People seem to forget why these properties might be available for next to nothing in the first place: foreclosure, located in a bankrupt city with high unemployment, abandoned by owners and now occupied by squatters, and so on. Even if you really were able to buy a house for $1, what would you do with it? Would you move there? If not, how would you “manage” the property, fix it up, rent it out, pay the taxes – all in a way that made financial sense? And how many years (or decades) would you have to wait to sell it to recoup those investments of time, energy and money?

In the real world, such easy riches are but a dream. In the GTA and elsewhere in Ontario and Canada, there are no homes for sale for $1 – for good reason.

Wayne Karl Editor Wall2Wall Media, wayne.karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl

4 New home guide GTA | aug 31 - sep 14, 2013

Like us on Facebook. Search: New Home Guide

dreams We build

BRAMPTON : NEW RELEASE

MARKHAM : REGISTER NOW

OAKVILLE : GRAND OPENING

Semi-Detached & Detached Homes

Townhomes, Semi-Detached & Singles

Condominiums & Urban Townhomes

Starting from the high

$

300’s

Starting from the low

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400’s

Starting from the mid

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ballantryhomes.com Prices and specifications are subject to change without notice. E.&O.E.

5

My Enclaves – Georgetown A community within nature’s glory Semi Links & 30' Detached Homes Guelph St. & MacFarlane Dr., Georgetown

A masterplanned, all Townhome community Bathurst St. & Finch Ave., North York UNDER CONSTRUCTION Starting from the low $300’s 416.730.1600

My Somerset – Ajax Durham’s Community & Model Home of the Year 37' & 42' Detached Homes Salem Rd. N. & Williamson Dr. E., Ajax UNDER CONSTRUCTION Starting from $479,990 905.428.0500

My Millstone – Oakville Urban Townhomes Dundas St. W., east of Bronte Rd., Oakville UNDER CONSTRUCTION Starting from the low $300’s 905.825.3619

My Dwell – Etobicoke Design forward Townhomes North of Burnhamthorpe Rd. off the West Mall, Etobicoke COMING SOON Register now at menkes.com 416.642.8955

My Humber Mews – Etobicoke A Townhome enclave in South Etobicoke Browns Line & Evans Ave., Etobicoke COMING SOON Register now at menkes.com 416.642.8955

menkes.com

@MenkesLife

My Bloom – North York

Facebook.com/MenkesLife

Starting from the low $400’s 289.891.9103

MY STOREYS. MY MENKES.

NOW PREVIEWING

mattamyhomes.com

This Is A View That’s Well Worth The Wait.

Enjoy Views Of The Escarpment At Sunset

Two Hawthorne Village Neighbourhoods Are Coming Soon!

Soon we will present two new neighbourhoods in our ever-popular Hawthorne Village in Milton. Both neighbourhoods will offer all you have come to expect in a Mattamy master planned community. You can enjoy walking/biking trails, convenient shopping and parks scattered around the neighbhourhood.

Our new home offering will include popular Village Homes, Rear Lane Townhomes, 2-Storey Townhomes and a large selection of 30' and 36' Detached Homes.

Come for a walk and discover why over 10,000 families have chosen to call Hawthorne Village home.

8

Elev. ‘B’

2-Storey Townhome, The Kingsbridge, Elev. ‘B’, 1,541 Sq.Ft.

36' Home, The Bayfield, Elev. ‘A’, 1,744 Sq.Ft.

Pre-Register For These New Neighbourhoods At www.mattamyhomes.com

LIKE US ON FACEBOOK

www.facebook.com/mattamyhomesGTA

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

9

vice-president, wall2wall Media

Jacqueline Hill

Sales Manager New Home guide GTA, new condo guide, home décor & renovations

New home guide

contributors

Conni Robinson

associate publisher, NEW home & condo guide SWO, lifestyle communities

Susan Maxwell

editor-in-chief, National real estate

Susan Legge Editor

Wayne Karl art director

Bianca DiPietro contributing Editors

Sara Duck, Elisa Krovblit Lydia McNutt editorial intern

BILD Report

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

Taxing Issues

Legally Speaking

Henry Choo Chong,

Jayson Schwarz, Schwarz Law -

Henry Choo Chong is a certified general accountant. Henry sits on many committees and provides accounting and tax advice to individuals and businesses in the GTA. Send your tax questions via email to Taxing Issues at: choochonghcga@ yahoo.ca

Barristers and Solicitors

CGA

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

the mortgage minute

Peter Kinch Peter is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at peter@peterkinch.com

Tal Klachook

senior account executive Nina Downs nina.downs@wall2wallmedia.com senior account executive

Dionne Fraser dionne.fraser@wall2wallmedia.com Sales & marketing co-ordinator

Terry Bassett

distribution & sales co-ordinator

Jennifer Bistron

administrative assistant

Antoinette Jackson production Manager

Bala Gnanapandithan production co-ordinator

Sandra Hanak-Vujnovic graphic designers

Sandra Hanak-Vujnovic Mike Terentiev National Account Manager, Mediative

Paul Slizys

Published by

Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

#500-401 The West Mall Etobicoke, ON M9C 5J5 market research

Lloyd Martin Lloyd Martin is principal with Trimart Research Corp., with 30 years in the business. His industry knowledge and professional experience leads the Trimart team to provide exceptional service and sales results. He can be reached at 905.660.7788

market research

Mark Jin Mark Jin is market research manager at Trimart Research Corp. He can be reached at 905.660.7788 or mark@trimart.ca

tarion report

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.

style file

Laura Stein Laura Stein Interiors is a Toronto-based firm specializing in custom interior decorating and design for residential clients.

Laura has appeared on HGTV and is frequently featured as an industry expert on television as well as newspapers, magazines and websites across Canada and the U.S. laurasteininteriors.com

newhomeguide.ca T 416.626.4200 F 416.784.5867 Advertising Call 416.626.4200 for ­advertising rates and information.

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

Circulation

Copyright 2013 All rights reserved by New Home Guide,

Toronto, Ontario, Canada. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

Terms Advertisers,

Editorial content are not responsible for typographical errors, mistakes or ­misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.

Editorial Submissions from interested parties will be considered. Please submit to the editor at Susan.Legge@wall2wallmedia.com.

Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada.

Established in 1990, this program was started with Scouts Canada to help replenish the environment.

10 New home guide GTA | aug 31 - sep 14, 2013

dreams

Where and families come together in 3 Superb Communities MARKHAM

MARKHAM

THORNHILL W SE NE EA L RE

W SE NE EA L RE

Semis and Detached homes on 30’, 36’ and 40’ lots.

Detached homes on 35' and 41' lots.

Detached homes on 46’, 50’ and 60’ lots. Ravine lots available.

ODELS T ED M DECOR A

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11

bildreport

Who should pay for much-needed

infrastructure?

by 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).

Sewer and water pipes, roads, transit, parks and community centres. These are all critical to the health and safety of our neighbourhoods.

It’s the building and land development industry that plans, designs and builds new communities across the GTA. The infrastructure that goes under and above ground is a top priority. It is installed in partnership with the local government and it creates jobs and wages that trickle down into the local economy.

You may have read about Toronto city council’s development charges discussion and the potential for rates to double. The City of Toronto is not the only one reviewing its development charge rates; other municipalities in the GTA are also looking for ways to pay for this critical infrastructure.

That said, I am dedicating my next few columns to break down the complex issue of development charges, what they are, and who is really paying the price when rates increase.

What they are: The province’s Development Charge Act is the over-arching legislation and municipalities pass their own Development Charges Bylaws to govern how they collect funds on new development. These by-laws are accompanied by a background study, which outlines the estimated amount, type and location of development within a municipality, and the related calculations of how the new development will affect municipal services. There are mandatory public meetings that must take place and when approved, a municipality can impose charges against land that is ready to be newly-developed or re-developed.

What they pay for: Provincial legislation also regulates how revenue from these charges can be used. The revenue pays for increased capital costs related to hard and soft services that come as a result of more people and businesses moving to the municipality. For example, the revenue could go toward the construction of new sewer and road systems that might not have been required before, but now with potential development in the area, there is an increased need for these municipal services. The revenue could also be put toward soft services like building municipal recreation centres and libraries.

Who is affected by rate increases: Development charges are just one of the many government taxes on new development. In most cases, it is the largest when compared to HST, land transfer 14 New home guide GTA | aug 31 - sep 14, 2013

tax and fees associated with building permits, utilities, and parkland dedication. While it is part of the cost of building new communities, when the rates increase between when a home was sold and the date of occupancy, the new homebuyer could be responsible for paying part of it.

Is it fair that new homeowners in the GTA are the only ones paying for new and upgraded infrastructure?

No, it is not. Won’t all of the residents – new and old – be using it? The answer is yes.

In my next column, I’ll explore this last point in more detail and examine other mechanisms municipalities can use to offset the cost of critical infrastructure that all of our neighbourhoods need.

tarionreport

Get it in writing!

If it’s not included in your Agreement of Purchase and Sale, it’s not covered by Tarion

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.

by howard bogach When purchasing a new home or condominium, it isn’t unusual for homebuyers to negotiate a “side agreement” with their builder. By this, I mean, the builder offers something beyond what is in the Agreement of Purchase and Sale (APS), such as an upgrade or something in lieu of another item.

A builder can also offer a supplementary warranty that is over and above the statutory warranties. These agreements can be attractive to homebuyers as they may be offered at a discount, or simply as an “extra.”

While most homebuyers would see this as a bonus, it can also be extremely frustrating if the builder does not honour the side agreement.

These agreements can be attractive to homebuyers as they may be offered at a discount, or simply as an “extra.”

And unfortunately, side agreements fall outside Ontario’s new home warranty program. To protect yourself, remember that if it’s not included in the APS, it’s not covered by Tarion.

New home warranty versus a supplementary warranty or agreement Tarion warranty protection ensures your new home meets the structural requirements and health and safety standards of the Ontario Building Code. The warranty includes deposit protection or financial loss, delayed closing compensation, and a one-year, two-year and seven-year warranty that provide coverage for specific items and conditions.

While your builder provides the warranty, Tarion backstops it by getting involved at the homeowner’s request if your builder does not honour his/her statutory warranty obligations.

Your builder may offer services that are above and beyond the new home warranty, which Tarion does not have authority to get involved with.

Over the years, Tarion has seen examples of frustrated homeowners who have approached us for help when either their builder has failed to come through on a side agreement or there is a misunderstanding between parties.

It is always disappointing to tell them that Tarion cannot force a builder to honour an arrangement that falls outside of their APS. 16 New home guide GTA | aug 31 - sep 14, 2013

Examples of side agreements not covered by Tarion: One of the most common scenarios we see is upgraded electrical components such as wiring for pot lights or pre-wiring for home theatres. Many homeowners negotiate with the builder to wire the home before the drywall has been completed. However, in cases where the upgrades weren’t included in the APS, Tarion wasn’t able to intervene when an issue arose.

Over the years, we’ve also received complaints from homeowners who haven’t received items their builders promised, such as finished basements, backyard decks and extended warranties on heating and ventilation systems or foundation waterproofing.

My best advice to homeowners is to never accept an upgrade or modification to your new home without having it included in your APS. If you want to add something to your home after your APS is signed, you may be able to have it included in the APS in the form of an amendment. I recommend making these changes with the help of a lawyer to ensure it is done properly. This way, the builder’s agreement will be backed by Tarion and you have somewhere to turn should you need assistance.

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

aug 31 - sep 14, 2013 | New home guide GTA 17

someone like

YOU You want the fresh air of the country, with all the amenities of the city just around the corner. You want a beautiful home on a large lot with all the features that suit the way that you live. What you want is The Forest

by National in Bradford. Because we designed these homes precisely for someone like you.

#/-).' 3//.

BRADFORD - 4HE &OREST BY .ATIONAL Opening this Fall with Model Homes decorated by Pottery BarnŽ! Offering 36’- 40’ detached homes up to 3,400 sq. ft. with 2-car garages in a forest community. $ETACHED (OMES FROM THE MID $ S UP TO $600,000+* !,3/ #/-).' 3//. 4/ .%7-!2+%4 !.$ %4/")#/+% ./7 /0%.

4/2/.4/ - 4HE #HURCHILL #OLLECTION IN &OREST (ILL - At Spadina & St. Clair with views of Winston Churchill Park and the city skyline. %XECUTIVE 4OWNS FROM $ - TO THE $1.7M’s* Visit ChurchillCollection.ca or call 416-922-1414

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*Prices and specifications subject to change without notice. E.&O.E. Pottery barn is a registered trademark of Williams-Sonoma, Inc. Pottery Barn is not a sponsor of this promotion, and is not affiliated with National Homes.

19

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* Ask sales rep for details. Prices correct at press time E&OE.

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For more information visit treasurehill.com *Limited quantities available to qualified purchasers. Prices & information correct at press time. Map not to scale. Lots may have premiums. All illustrations reflect artist impression. E.O.& E. Ask a sales rep. for details. ** Exclusive retail value of features already included in from price.

aug 31 - sep 14, 2013 | New home guide GTA 21

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

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communityfocus

fieldgate homes

Valleylands

The Dufferin’s breathtaking front elevation of brick and stone contributes to the luxurious atmosphere of this exceptional family home.

FANTASTIC LOCATION IN SOUTH BRAMPTON

Valleylands by Fieldgate Homes location South Brampton housing type Townhomes from $385,990; 28-ft. linked singles from $399,990 and singles on 38-, 41-, 50-, 60- and 70-ft. lots from $525,990; bonus packages available for each housing type contact 905.457.0445 fieldgatehomes.com

24 New home guide GTA | january aug 31 - sep 5 - 19, 14,2013 2013

W

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

It’s a place where the valleys of the Credit River offer a breathtaking outdoor playground of lush green parkland. It is within this remarkable setting that esteemed builder Fieldgate Homes has announced an exciting Grand Opening for the new location of its popular family community, Valleylands on Chinguacousy.

The southwest corner of Queen St. West and Chinguacousy Rd. is the site of the all-new location for this latest release at Valleylands. This new release features new designs in 28-ft. linked singles that range from 1,657 to 1,915 sq. ft., 38-ft. singles that range from 2,010 to 2,662 sq. ft. and 45-ft. luxury singles that range from 2,640 to 3,310 sq. ft. These latest offerings are in addition to the exceptional collection of townhomes and 41-, 50- 60- and 70-ft. singles still available at the original Valleylands location nearby. With t o w n s s t a r t i n g f r o m $3 85, 9 9 0 , l i n k e d s i n g l e s f r o m $399,990 and singles starting from $525,990, and with 70-ft. designs up to 4,331 sq. ft., there’s a home for everyone at Valleylands.

One of the many popular designs currently available at Valleylands is the breathtaking 3,008-sq.-ft. Dufferin Elevation B. This classic-yet-contemporary two-storey, four-bedroom, 45-ft. detached home offers a spectacular front elevation of brick and stone that features a covered porch, double-car garage, large bright windows C O N T I N U E D on p a g e 2 6 . . .

25

communityfocus |

CONTINUED

Homebuyers love the Dufferin’s conveniently located sunken main-floor laundry room and lavish master suite.

and charming dormers. One enters the home to discover a spacious front foyer, followed immediately by a cozy library.

Further down the hall is the large open-concept living/ dining room with coffered ceiling. Across from the living/ dining room, the home’s staircase offers easy access to a sunken main floor powder room and laundry room. Further down the main hallway, one enters into a sizable family room complete with a gas fireplace. Across from the family room, the kitchen and breakfast area offers a kitchen island and ample counter space, creating the perfect space for the family to gather for a home cooked meal. Upstairs, the elegant master suite features two walk-in closets, tray ceilings, an intimate master retreat and a lavish ensuite complete with oval soaker tub, his and hers sinks and separate glass shower. Bedroom two enjoys its own private ensuite and bedrooms three and four share a stylishly appointed ensuite. The Dufferin is priced from $645,990.

For most families, school is a top priority, so it’s nice to know that Valleylands is ideally situated to take advantage of many of Brampton’s wonderful educational facilities. A new elementary school is proposed for construction right in the Valleylands community, and Queen Street elementary school and Sir William Gage middle school are just a short walk north of the community. There are also a number of public and Catholic primary and secondary schools within 26 New home guide GTA | aug 31 - sep 14, 2013

One of the many popular designs currently available at Valleylands is the breathtaking 3,008-sq.ft. Dufferin Elevation B. This classic-yetcontemporary twostorey, four-bedroom, 45-ft. detached home offers a spectacular front elevation of brick and stone that features a covered porch, double-car garage, large bright windows and charming dormers.

a short distance. And with post-secondary tuition costs on the rise, it’s nice to know that Valleylands is ideally situated to make the live-at-home college lifestyle a breeze. Wellregarded institutions such as Sheridan College and Algoma University both have campuses that are just a short drive or bus ride away.

In addition to excellent proximity to schools, Valleylands is also in a great location to take advantage of a whole host of other lifestyle amenities. The Heartland Town Centre is only five minutes away, offering major retailers such as Best Buy, Home Depot and Costco. Nearby Erin Mills Town Centre, Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restaurants. For those in search of live entertainment, there’s the Rose Theatre, offering a year-round calendar of musical and theatrical performances. Golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance, and the commute to Toronto is a breeze with Hwys. 401 and 407 just minutes away.

With more than 55 years of experience, Fieldgate Homes is one of the GTA’s finest home builders, known for their exceptional floor plan designs.

For more information on Valleylands, please call 905.457.0445 or visit fieldgatehomes.com

Stop sea rching. . a g u sa is s is M in g in v li rt a St

MODEL HOMES

GRAND OPENING OF MODEL HOMES IN MISSISSAUGAâ&#x20AC;&#x2122;S NEWEST COMMUNITY

Freehold Towns and Semis from $498,900* up to 2,300 sq.ft.

www.churchillwoods.ca *Limited quantities available in some price ranges to qualified purchasers. Prices & information correct at press time. Map not to scale. Some lots may have premiums. All illustrations reflect artist impression E.O. & E. Conditions may apply. Ask a sales rep. for details.

27

builderperspectives

The importance of keeping a

dynamic public face The value of an ongoing commitment to a public

relations (PR) strategy is difficult to quantify and explain for anyone in the position of marketing director, as I am for Geranium Homes.

To communicate a company’s goals, achievements and offerings, word has to get out via the media, correspondence and a variety of events and marketing materials. People need to be aware of Geranium Homes in order for them to research our homes and communities, and they have to trust us enough to consider purchasing. We think of public relations as the “gatekeeper” of our corporate image – a function that challenges us to adhere to our corporate values while also helping to establish protocols for communication, supports customer service and even impacts how we treat our employees.

For the past five years, Geranium has worked with Toni Pettit of The Morrison Group to spearhead our PR function. Pettit has over 25 years of experience in the new home building and related industries. Her management of our public relations builds and sustains awareness of our company and assists us in maintaining a good reputation among our customers. She is a critical member of the Geranium team. “Public relations is the channel through which we share a company’s story,” Pettit says. “With Geranium, we are always finding new avenues to promote this award-winning company’s dedication to quality in every aspect of building homes and nurturing communities.”

Contributing to our overall marketing efforts, The Morrison Group has devised many successful new initiatives. These are in addition to planning and executing numerous events each year.

In our industry, this is often a vital aspect of PR, and for Geranium has included a wide variety of activities. For example, we hold annual gardening events for new homeowners once they’ve moved in, large community barbecues for several hundred, intimate seasonal soirees and Hard Hat Tours for prospects and buyers.

Pettit has also recommended and implemented many of our programs in support of charitable organizations. “PR is dynamic, a continual message delivery system that engages the public’s attention, and often, participation. The goal is to have every one of these touchpoints be a positive experience for the audience,” Pettit explains.

Another critical component of PR is cultivating a positive and trusting relationship with media representatives. “Facilitating news reports via media releases and interviews promotes the company’s brand in a different way than straight advertising and sales presentations,” Pettit says. “As an independent representative, I 28 New home guide GTA | aug 31 - sep 14, 2013

interact with the media on a regular basis and keep those lines of communication open.”

Geranium’s twice-yearly newsletter is another important vehicle we’ve established working with Pettit. The newsletter tells our story in more detail than we can include in media releases or blogs, for example.

In 2010, this combination of fresh ideas, sound advice and attention to detail is what earned our companies’ the award of Best PR Campaign from the Building Industry and Land Development Association (BILD). An award we were also a finalist for this year. As an active member of BILD, Pettit is able to keep up to date with the new home industry.

Geranium’s management shares a passion for home building and our PR efforts reflect that dedication. “I feel fortunate to have clients who respect and appreciate my contribution to their overall marketing efforts,” adds Pettit. “We get a lot accomplished yet still find time to have fun!”

For Geranium, PR is an integral part of our annual marketing strategy and makes a significant contribution to our ongoing success.

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

CURRENT COMMUNITIES CHIPPAWA/NIAGARA 50’ Bungalows & 2 Storey Singles, 35’ WIDE Bungalow Loft Townes from the low $300’s 6 MODELS NOW OPEN

THOROLD 45’, 40’, 36’ Singles, Semis & Towns from the $250’s. Move in this Summer on Select Towns & Attached Singles.

8 MODELS OPEN

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PLATINUM COLLECTION OAKVILLE 36 Majestic Suites from 1,800 sq.ft to over 3,000 sq.ft. move in from $1.8 million MODEL SALES SUITE OPEN

KLEINBURG 60’ to 70’ Estate Singles from 3,700 sq.ft. to over 5,600 sq.ft. move in from $1.4 M Located in the Heart of the Village

COMING SOON STONEY CREEK 40’ & 35’ Singles and Semis COMING EARLY 2014

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MT. ALBERT Luxurious 50’ Single Detached Homes COMING FALL 2013

Register at RosehavenInMountAlbert.com

Call our hotline or visit us online for complete directions, hours, community information for all our projects:

rosehavenhomes.com (1-888 / 416) 410-0175

Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands except for Kleinburg & Randall pricing.

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31

coverstory

Stop searching, start living in Mississauga

A new model home is now open in Churchill Woods

The 2,060-sq.-ft. Forestview 2, Elevation 1 offers a great layout with a spacious master bedroom.

S

tarlane Homes is proud to announce its model home in Churchill Woods is now open. Located at 5317 Tenth Line W. in Mississauga, this is your opportunity to envision yourself in your new home. Visit the model and experience this fabulous community, which features a new collection of homes within an already established neighbourhood. Enjoy a great selection of freehold towns and semi-detached homes up to 2,278 sq. ft. starting from $529,900.

Churchill Woods is superbly located just minutes from excellent elementary and secondary schools, inviting restaurants and quality shopping that ranges from charming country boutiques and farmerâ&#x20AC;&#x2122;s markets to major destinations including the Erin 32 New home guide GTA | aug 31 - sep 14, 2013

Mills Town Centre. Both public and private golf courses are within a short drive. A number of parks are close, offering hiking, bicycling and outdoor fun for the whole family. Commuters will appreciate the easy accessibility of the GTA with Hwy. 407 and Hwy. 403 nearby. For those who do not drive, public transit via Mississaugaâ&#x20AC;&#x2122;s MiWay is nearby.

Residents of Churchill Woods can also take advantage of proximity to neighbouring Oakville, where boutiques, cafes, fine dining and boating establishments are quite popular. Due to its ideal location, this neighbourhood offers a unique combination of small town feel with all of the big city conveniences and amenities.

Churchill Woods offers gorgeous designs that feature up to four bedrooms, multiple spacious rooms on the main floor and numerous options and upgrades that make these homes a perfect place for a family to settle for a long time.

Every home is ingeniously designed to maximize the use of space in the most attractive and comfortable way. Each is constructed with the highest quality materials and craftsmanship that Starlane has built its reputation on.

While every home comes with an exceptional list of standard features, Starlane offers fabulous design centre with professional decorating consultants at your disposal to help give your home the perfect finishing touches.

Choose from multiple types and colours of hardwood flooring, imported Italian tiles, lighting options, faucets and fixtures, granite and marble and so

starlane homes

Churchill Woods

Churchill Woods offers gorgeous designs that feature up to four bedrooms, multiple spacious rooms on the main floor and numerous options and upgrades that make these homes a perfect place for a family to settle for a long time.

The Hallmark 5, Elevation 2 is a stunning elevation encompassing 1,945 sq. ft., which provides a flexible floorplan that is sure to impress even the most discerning homebuyer.

location Mississauga housing type Freehold towns and semi-detached homes up to 2,278 sq. ft. contact starlanehomes.com

much more. The consultants will help ensure that each room flows beautifully from one to the next and bring your vision to life.

To save time, you can also visit the extremely helpful website at churchillwoods.ca so that you can do your research at any time you like. In an effort to make your home-buying experience as convenient as possible, browse through the neighbourhood, examine different types of homes, view floor plans, starting prices and much more.

Of course you can also learn about Churchill Woods and other incredible communities by visiting the Starlane website at starlanehomes.com Starlane Home Corp. has built and sold more than 7,000 homes in the Greater Toronto Area. The owners of the company have more than 40 years of experience in the home building industry. Starlane has built homes for everyone from first and second time buyers to empty nesters.

With a reputation for unique designs, attention to detail, and outstanding quality and service, Starlane has garnered praise from customers and a number of industry awards. aug 31 - sep 14, 2013 | New home guide GTA 33

marketresearch

Lowrise new home sales are on track Second quarter finishes on a high note

by Lloyd Martin & Mark Jin

Second quarter sales results are promising

and right on track, with 50.5 per cent of the annual Trimart Forecast already achieved.

June 2013 was an outstanding month for the sale of new lowrise homes. This was combined with a much needed record breaking increase in inventory, showing a 34-per-cent surge on year over year sales.

The Total Market Area (TMA) sales are slightly down 6.8 per cent compared to May 2013, achieving 1,721 new home sales for the month of June. However, this is the third highest June sales recorded in the last six years.

This month the largest gains occurred in the east (94.7 per cent) region of the GTA, largely due to new openings by Emery Homes, Highmark Homes, Golden Falcon Homes coupled with continued success from Minto Homes.

The TMA lowrise lot inventory also witnessed recording breaking numbers by reaching over the 12,000 level for the first time in the last 29 months. Compared to same month last year, there were double the number grand openings and releases (39) throughout the market. The June sales and inventory achieved 34 per cent and 30 per cent, respectively.

The lowrise new home sales growth in GTA isnâ&#x20AC;&#x2122;t an isolated incident. Canadian housing starts were stronger than expected in June with the seasonally adjusted annualized rate of 199,586 residential starts, which was higher than 187,000 starts expected. Furthermore, Canada Mortgage and Housing Corp. also revised May starts higher, to 204,616 from the 200,178 originally reported. The latest data comes exactly one year after tough new mortgage rules aimed at cooling the market came into effect. Historically, the GTAâ&#x20AC;&#x2122;s lowrise new home market has been resilient to market changes and the latest report shows the market is rebounding from last yearâ&#x20AC;&#x2122;s government-induced slowdown.

The 2013 charts demonstrate the strong upward trend in sales and inventory and resilience towards market changes. The steady lowrise new home sales outcomes were largely the result 34 New home guide GTA | aug 31 - sep 14, 2013

Lloyd Martin is principal with Trimart Corp., with 30 years in the business.

His industry knowledge and professional experience leads the Trimart team to provide exceptional service and sales results. He can be reached at 905.820.6711

Mark Jin is market research manager at Trimart Research Corp.

He can be reached at 905.820.6711 or mark@trimart.ca

of borrowing costs that remain near historic lows, combined with builders offering affordable urban town housing in numerous desirable locations.

2013 SALES 2000 1800 1600 1400 1200 1000 800 600

JAN

FEB

MAR

APR

MAY

JUNE

The Total Market Area Sales for the last six months demonstrates a strong upward trend. June sales were 34 per cent higher than same month last year.

2013 INVENTORY 12500 12000 11500 11000 10500 10000 9500

JAN

FEB

MAR

APR

MAY

JUNE

The Total Market Area Inventory for the last six months maintained above the 10,000 mark with the highest June figure in 29 months.

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aug 31 - sep 14, 2013 | New home guide GTA 37

themortgageminute

The equity solution How Canadians can cash in – without cashing out by peter kinch You hear a lot of talk these days – from media and government – about debt and how the average Canadian has too much of it.

Although it may well be true that many Canadians need to rein in their spending habits, there is a flip side that doesn’t get talked about enough: a record number of Canadian homeowners are sitting on an unprecedented amount of home equity. Given today’s economic environment, the mere mention of spending home equity is considered taboo – especially in light of the recent sub-prime mortgage crisis in the United States.

This scenario presents an interesting dilemma. The proverbial elephant in the room is home equity. Could it be a solution to the most pressing concerns of Canadians as they near their retirement years – or is it part of the problem?

The pendulum has swung quite a bit on this topic over the past five years. We’ve gone from the free-wheeling days leading up to 2008, where those investing in real estate thought they could do no wrong, to an about-face, where spending home equity was akin to an evil deed. And, like most things in life, the truth lies somewhere in the middle.

None of that, however, changes a few fundamental facts: 1. In spite of all the talk about debt, many Canadians are sitting on an unprecedented amount of home equity.

2. A large number of those Canadians sitting on their latent equity have two pressing concerns: a. Will I have enough money when I retire? b. How will my children ever be able to afford to buy their own house?

38 New home guide GTA | aug 31 - sep 14, 2013

C O N T I N U E D on p a g e 4 2 . . .

aug 31 - sep 14, 2013 | New home guide GTA 39

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

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

(Edmonton)

For online bookings go to www.plaza-network.com/booking/FlightInfo.aspx?ECONREF=W2W2013

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41

t h e m o r t g a g e m i n u t e | C ONTINU E D

First and foremost, we need to address some of the issues that face most Canadians today: • It is true that many Canadians are carrying too much debt and need to find a way to spend less than they make.

• It is also true that many Canadians are sitting on an unprecedented amount of home equity.

• Yet a record number of Canadians are also concerned about their ability to have enough money to retire.

• Few working Canadians have faith in their pensions.

• A record number of Canadians are now self-employed and have no pension plan.

• Few working Canadians are confident in the ability for CPP and OAP to take care of them when they retire.

• Canadians are living longer than ever.

Add this up and it begs the question: Can home equity be part of the solution?

The concept of using your home equity to invest has fallen out of vogue in the past few years, but in many respects, we have thrown the baby out with the bathwater. Sure, the idea of spending your home equity to buy investments equates to getting further in debt – but perhaps we need to define debt. Is it possible to have good debt and bad debt?

Bad debt is easy to define – any debt that is used to purchase an item that adds no value to your bottom line (lifestyle expenses such as a car, boat or vacation).

Good debt is any debt that is used to increase your net worth (a house, a rental property or other investment intended to make money).

When you use credit to subsidize lifestyle, you are simply spending beyond your means and arguably buying items that may not fit into your family budget. The only return on this type of expenditure is immediate personal gratification. However, the potential long-term consequences of this type of expenditure could be increased debt without the ability to pay it off. This is exactly the type of debt the government is concerned about. They don’t want Canadians to look at their houses as personal ATMs – especially at a time when interest rates are at record lows.

The real concern is what would happen if a great number of Canadians were to access home equity, go further in debt at a time of low interest rates, only to see those rates increase. If the only thing those individuals had to show for their debt were depreciating consumer goods and a YouTube video of their last vacation, then the government’s concerns would be completely justified. In fact, you should be very cautious of increasing home or consumer debt in today’s economic environment. Interest rates have nowhere to go but up, and any use of home equity should only be undertaken after an analysis of both the long-term benefits and consequences.

However, this example should not be confused with the ability to utilize home equity to increase personal wealth, address pension concerns or assist adult children with getting started on their road to homeownership. The key is to analyze the long-term benefits versus potential consequences. It is entirely feasible to utilize home equity in such a way as to improve your personal financial situation over the long-term – even if interest rates were to rise. This process would involve increasing personal debt initially but only through the acquisition of an asset that would create a long-term financial benefit. An example of this would be to access a portion of your home equity for the down payment on the purchase of a rental property that, over time, would shift from a deficit to an asset that could provide a supplement to your pension plan.

Many people reading this might still say, “There is no way I’m touching my 42 New home guide GTA | aug 31 - sep 14, 2013

home equity.” I completely understand that emotion, but to that I would ask: Are you 100 per cent comfortable that your current pension plan is sufficient and that you will not have any need to supplement it at the point of retirement in order to live the lifestyle you desire?

If the answer is yes, then by all means, you should not, nor do you have to, touch your home equity. Your focus would be to stay the current course.

However, If the answer is no, then it begs another question: What is your plan to resolve this?

A significant number of Canadians fall into the second category and fit the following description: “I know that our current pension plan is insufficient to accomplish our retirement goals and I know that we are sitting on a lot of untapped equity that could be used to purchase some investments. But I’m simply not comfortable with risking any of that equity in an investment venture. What if we ended up losing it all? Then where would we be?”

You would be shocked at how common this scenario is and how often that conversation is played out at dinner tables across this country. There are three major considerations: 1. The need to address retirement goals 2. The realization that equity could be the solution 3. The fear attached to taking on more debt As you explore your own personal situation, consider these factors, and how equity might be part of the solution.

Peter Kinch is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at peter@peterkinch.com

Luxury Living in Prestigious Unionville.

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43

taxingissues

Pooling financial resources

Henry Choo Chong, CGA, sits on many committees and provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5225.

Questions to Taxing Issues can be e-mailed to choochonghcga@yahoo.ca

by Henry Choo Chong Food for thought that may help you make a decision: ›› Discuss the financial arrangements with your family member(s) before making a commitment. Are the down payments equal? How will the equity of the home be divided in the event of a sale? Are the mortgage payments divided equally?

What about other costs? What happens if one partner wants out? Whose names goes on title? ›› Does the extended family get along? Family relations can deteriorate faster than an old home with termites! Discuss these arrangements thoroughly with your spouse. ›› A meeting with a lawyer beforehand can ease tension later. Sometimes, it’s good to My wife and I would like to purchase a home but the initial down write things down and not have regrets payment is an issue. My mother and uncle are new immigrants later. Make no mistake, this is a business to Canada and have approached us to buy a home together. What do you relationship. think of buying a home with family members? Tse, Scarborough ›› F amily financial resource pooling can be very successful for real estate and stock The pride of homeownership is a dream for most Canadians. Uninvestments. Some of Canada’s wealthifortunately, this may only be a dream for many and may never est owners of real estate and public combecome a reality. panies are family owned. It sometimes Some individuals may have difficulty qualifying for a mortgage, even pays to keep it “all in the family.” with the creativity of many financial lenders. Rule number 1: Buy what ›› Your tax adviser can explain some pros you can afford, not what you can borrow. Price increases in the Toronto and cons of pooling from a tax perspecreal estate market easily outpace the marginal increases in salaries of tive. Compare the tax advantages of the average Toronto household. having extended families under one roof, Pooling the financial resources of several family members can be an with the loss of other tax credits and excellent opportunity for first-time buyers to get into a home. Eventugovernment programs. ally, you can save sufficient equity to have your own dream home. Obvi- ›› How is the credit rating of the other ously, this does not come without making sacrifices and concessions. A family members? Pooling can help family dream home can quickly become a nightmare, particularly when your members with less than excellent credit mother-in-law may not be your first choice in house mates. re-establish themselves.

Extended family arrangements are not uncommon for many immigrant families that have three generations under one roof. For some cultures, Family dynamics are an important ingredithis is the norm. However, this form of living arrangement is not for ent when families pool their financial reeveryone. Most couples marry to start a family, not to inherit two gen- sources. Real estate prices will always rise erations of families. and fall, but families are priceless.

Q. A.

44 New home guide GTA | aug 31 - sep 14, 2013

NOTHING BUT

BLUE SKIES

STOUFFVILLE

s

PHASE 2

" Ê -"" Ê U Ê *, , -/ , Ê"

, "

Bloomington Rd.

TOWNHOMES SINGLES Y O U R /starlanehomes

5

S T A R

SITE Main St.

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H O M E

B U I L D E R

/starlanehomes

Pre-register at starlanehomes.com *Limited quantities available to qualified purchasers. Information correct at press time. Map not to scale. Lots may have premiums. All illustrations reflect artist impression. E.O. & E. Ask a sales representative for details.

45

stylefile

The humble chair by laura stein

Each and every day, all over the world,

millions upon millions of people do the same thing they have been doing for thousands of years: park their posteriors in a chair. Chairs have graced the earth since ancient times and are a ubiquitous part of our physical and social landscape. But have you ever thought of a chair as a fashion accessory? A museum-worthy masterpiece? A commentary on socio-political values?

For every chair in which someone has sat, there has been someone else who spent hours hunched over a worktable drafting and designing.

While some chairs have been fairly forgettable, other designs have been so forward-thinking and revolutionary that they changed the course of furniture design as a whole, and influenced an entire era. Today these chairs are considered classics and cultural icons, and can be found everywhere from your local café to the Museum of Modern Art.

Red-and-Blue Chair, designed by Gerrit Reitveld, 1918, The Netherlands Gerrit Reitveld is considered one of the most influential furniture designers of the 20th Century. A member of Dutch artistic movement De Stijl (“The Style”), Reitveld was interested in the most abstract expression of design, breaking it down to its simplest, purest form of shape and colour. Made of pine and plywood, this chair is often referred to as a three-dimensional version of a Mondrian painting, and is part of the permanent collection at The Museum of Modern Art.

Louis Ghost Chair, Philippe Starck, 2002, Paris Modeled on the classic Louis XV oval-back chair, this chair was introduced by Kartell in 2002 and soon became a classic in its own right. Formed from a single piece of injectionmolded transparent polycarbonate, it is strong and suited for indoor or outdoor use.

Available at Design Within Reach, dwr.com, Inform Interiors, informinteriors.com and other licensed Kartell retailers across Canada

Morris Chair, designed by Gustav Stickley, circa 1901, Syracuse, NY Influenced by legendary English designer William Morris, this chair is an iconic example of the American Arts and Crafts movement of the early 20th Century. Made of unadorned quarter-sawn oak, it is one of the earliest reclining chairs, with a tilting back that adjusts through a series of pegs. Early Stickley originals sell at auction for tens of thousands, and the designs are still in production by Stickley today. stickley.com. Sold in Toronto at Manderly Manor, manderleymanor.com

46 New home guide GTA | aug 31 - sep 14, 2013

Barcelona Chair, designed by Ludwig Mies van der Rohe, 1929, Berlin Originally designed for the German Pavillion at the 1929 International Exposition in Barcelona, this chair is one of the most recognizable of the modern period.

Made of chrome-plated steel and button-tufted leather, the chair has been produced by Knoll since 1953. To tell an original from a knock-off, look for Mies van der Rohe’s signature stamped on the inside of the frame.

Available at Design Within Reach, dwr.com, Inform Interiors, informinteriors.com and other licensed Knoll retailers across Canada

Chair No. 14, designed

by Michael Thonet, 1859, Vienna

This bentwood chair is considered to be one of the most successful product designs of all time. Thonet developed a process of steaming wood until it was pliable, then manipulating it into shape. Because a single piece of wood could be bent into almost any configuration, no joinery and far fewer pieces of wood were required to create the furniture. Simple screws held the pieces together, which could be flat-packed for shipping and assembled on-site…long before IKEA came around. An updated version of this chair is still in production today, and is still one of the most popular chair designs ever. toncanada.com

Lounge Chair 670, designed

by Charles and Ray Eames, 1956, Los Angeles

Husband and wife team Charles and Ray Eames produced furniture for the masses made from newly available products such as plastic, molded plywood and fiberglass. An icon of mid-century modern design, this chair was created for comfort. Although the chair’s design has evolved slightly over time, it has been in constant production by Herman Miller since its inception in 1956.

Available at Design Within Reach, dwr.com, Inform Interiors, informinteriors.com and other licensed Herman Miller retailers across Canada

Laura Stein Interiors is a Toronto-based firm specializing in custom interior decorating and design for residential clients. Dedicated to creating exceptional, distinctive, and uniquely personal interiors for her clients, Laura’s focus is on fresh, lifestyle-based design infused with comfort and understated luxury. Laura has won considerable acclaim for her personalized design style, her insights on cuttingedge trends, and her customized furnishings. Her work has been nationally recognized with multiple industry awards, including the 2011 Consumer Choice Award for Best Interior Decorator in the city of Toronto and the 2013 Best of Houzz Award. Laura has appeared on HGTV and is frequently featured as an industry expert on television as well as newspapers, magazines and websites across Canada and the U.S. Visit laurasteininteriors.com for additional information.

aug 31 - sep 14, 2013 | New home guide GTA 47

inthenews

Building industry raises $36,000

toward affordable homes for low-income families Close to 600 builders, developers, sales and marketing professionals united recently to help the Building Industry and Land Development Association (BILD) raise more than $36,000 for Habitat for Humanity Toronto. BILD members have raised more than $570,000 for the charity since 2003.

The funds were collected as part of the Association’s annual Race for Humanity – an award-winning scavenger hunt challenge for industry professionals – and Charity BBQ, on July 18.

The combined events celebrate BILD’s decade-long partnership with Habitat for Humanity Toronto, which saw the Association support the construction of 10 homes for 10 families.

“This wonderful partnership is just one example of the industry’s commitment to making the GTA a better place to live through volunteerism, philanthropy and sponsorship,” says BILD president and CEO, Bryan Tuckey. “I’m excited to be a part of this celebration today, and I feel privileged to work in an industry that gives so much to the communities that we all live in.”

Sunita Sanichar, who received the keys to her BILDsponsored Habitat home in 2012, addressed the group in the company of her two children. She thanked the Association’s members for their generosity, referencing the positive effect home ownership has had on the lives of her children, one of whom has autism.

“We’re so proud of our long-standing partnership with BILD,” says Ene Underwood, CEO of Habitat for Humanity Toronto. “Over the past 10 years, BILD and its

48 New home guide GTA | aug 31 - sep 14, 2013

members have sponsored the construction of 10 affordable homes for low-income families through the annual barbecue and BILD’s other successful fundraising events. BILD members are great contributors of donated home renovation products to our ReStores, and BILD is a strong advocate for promoting affordable home ownership for all families in the Toronto region. They are a great ally and a great partner.”

BILD would like to thank all the event sponsors, prize donors, volunteers and guests for their fundraising support. Congratulations to the organizing committee for planning a highly successful event.

With more than 1,400 members, BILD, formed through the merger of the Greater Toronto Home Builders’ Association and Urban Development Institute/Ontario, is the voice of the land development, home building and professional renovation industry in the Greater Toronto Area. BILD is proudly affiliated with the Ontario and Canadian Home Builders’ Associations.

legallyspeaking

Getting your house in order

by Jayson Schwarz

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

Whether you are a young couple

or individual purchasing a new home for the first time, a resale buyer moving in the market or an empty nester purchasing a retirement condominium, the very action of this significant investment in real estate represents a major life change.

There are a number of issues that you should consider at this time in order to ensure that your “house is in order.”

1. How will I hold the “title?”

When your lawyer goes to the Registry Office to hand over all of your money to the builder in order to buy your home, he receives, in return, a document called a deed or transfer, which he registers by filing with the government; the document has your name is on it to show you own the home.

This action gives you title to the property. If more than one person is buying the property it is necessary to decide how they will hold title together.

There are two ways people can hold title together. The first is generally the way we hold title with our spouses or children, which is called “joint tenancy.” To hold title as joint tenants really means that upon the death of one of the parties, the remaining party automatically becomes the owner of the whole property without having to inherit it or have it pass through an estate. The reason is simply that all owners on title own the whole property rather than a part each. The other way title can be held is as “tenants in common.” This means that each party only owns the percentage allocated to them, although the physical part owned is not described. Upon the death of a tenant in common, his or her percentage ownership goes to their heirs in accordance with their will or law. Therefore, remember to discuss this issue when you go to see your lawyer.

2. What about a will? A power of attorney?

Do you have a will? If you do, is it up to date and does it represent your current situation or state of affairs? It is important, especially if you have young children, to have your wills completed; not so much for the money, but for a clear resolution of the issue of custody if something happens to both parents. A will stops sibling disputes, takes 50 New home guide GTA | aug 31 - sep 14, 2013

care of who will look after children, keeps the government out of your affairs, allows for an orderly disposition of everything from your favourite cuff links or earrings to your realty, stocks and bonds, and will allow you to determine how you are to be cremated, buried or quick frozen. A power of attorney is used when you are physically or mentally incapacitated – there are two kinds. The first is for your body, such as what care will you or will you not receive?

Your representative will determine that. The other is for the management of your financial affairs.

Now is the time to create a will. Speak to your lawyer and ensure that this important matter is dealt with.

3. What about insurance?

You will need insurance for the house. This a great time to look at life and disability insurance. It is also a good time to determine if you should be insuring your mortgage in case something happens to the major wage earner; and to ensure that the future is taken care of.

So there you have it, this is the time to take care of all of these kinds of things to get your house in order.

Perhaps the most difficult part of writing these articles relates not the actual writing, but thinking of a topic to address. Visit schwarzlaw.ca, or email schwarz@schwarzlaw.ca with your questions, concerns, critiques and quandaries.

BUYING, SELLING OR REFINANCING A HOME?

YOU NEED A LAWYER Quality legal services at the right price*

Konstantine Chatzidimos

Jayson Schwarz

Helping YOU make your home buying dream a reality

Call

849

$ plus HST

For Free Offer Review

BRAMPTON

toronto

10 Wilkinson Rd. Unit 22., Brampton, Ontario L6T 5B1

1984 Yonge St.,Toronto, Ontario M4S 1Z7

office

office

905.455.5777 416.486.2040 Toll Free: 1.888.609.8888

Fax 905.452.8135

Toll Free: 1.888.609.8888

Fax 416.486.3325

www.schwarzlaw.ca

*Certain Terms and Conditions shall apply. Full disbursement disclosure. aug 31 - sep 14, 2013 | New home guide GTA 51

inthenews

TreeTops at Hidden Valley kicks off with official ribbon-cutting On Saturday, July 27, Mayor Claude Doughty, together with the principals of Club Leisure Corp., cut the red ribbon at TreeTops at Hidden Valley, helping to launch a new brand of resortstyle living surrounded by the trails, lakes and ski hills of Muskoka.

The official opening of the project’s new presentation centre took place in Huntsville at One Tree Tops Lane.

Priority registrants were invited to attend and to enjoy a free summer barbecue and entertainment provided by the developers.

At what will soon be one of Huntsville’s most desired four-season destinations, TreeTops at Hidden Valley will allow owners to “live above it all,” amidst a canopy of trees.

Treetops at Hidden Valley comprises a collection of luxurious escarpment homes, all looking out over beautiful Peninsula Lake, the Hidden Valley and Deerhurst’s Lakeside Golf course.

Nestled into the hillside, the homes have been carefully sculpted into the slope of the land, preserving as much of the existing trees and terrain as possible. Each will feature a balcony or walkout patio offering spectacular views of the surrounding landscape. Hiking, boating, fishing, golfing, swimming and watersports… at TreeTops, residents will enjoy the very best of Muskoka, with easy access to downtown Huntsville and its amenities.

When the snow flies, skiers will love to be able to “ski in and ski out” from their homes directly to the Hidden Valley Highlands Ski Area, with both cross-country and Alpine skiing available.

Along with being an attractive housing option to outdoors enthusiasts, TreeTops

52 New home guide GTA | aug 31 - sep 14, 2013

will also be desirable to those who love nature, as Club Leisure Corp. has created a community that is as green and natural as possible.

Every residence at TreeTops will be built to an EnerGuide New Housing Program Natural Resource Canada standard, bringing together the best in energy-efficient and water conservation systems. CLC has designed and implemented a geothermal system that will offer TreeTops owners clean, Green heating and cooling year-round.

Club Leisure Corp. was established to develop, finance and manage real estate projects, with a special focus on residential developments in resort areas offering access to leisure sports such as golf, skiing and boating. CLC’s senior team is comprised of a core of seasoned professionals with years of combined experience in real estate development. They have assembled a team of other highly respected industry professionals in the design and development of TreeTops, each of whom brings their own talents and discipline to the table.

For floorplans and pricing information, contact the presentation centre at 1.855.784.9990 or visit treetopshuntsville.com

hotdates

aug 31 - Sept 2

Hot & Spicy Food Festival Harbourfront centre

Aug 31 to Calendar Septof events 14 beginning from Aug. 31 to Sept. 14, 2013

sept 6-8

Taste of the Kingsway the kingsway

If you enjoy the zestier things in life, A celebration of food and music, the then head down to Harbourfront Taste of the Kingsway festival is a Centre for the Hot & Spicy Food family-friendly way to honour the Festival. The fest explores diverse community. Taking place along Bloor hot food experiences, with cuisine St. West, from Prince Edward Drive from around the world. International to Montgomery Road, the 15th annual and local chefs, farmers and artists Taste of the Kingsway features local reflect on how they fit into the businesses and special guests. Some global scene. of the features include a beer garden, harbourfrontcentre.com two stages with musical entertainment, a culinar y market featur ing aug 31 - Sept 2 demonstrations by celebrity chefs, Canadian International midway rides, artisan and crafter Air Show pavilions and more.

Canadian national exhibition

kingswaybia.ca

The Canadian International Air Show sept 6-8 features aerial stunts over Lake Canada's Bridal Show Ontario by daredevil Mike Wiskus Metro toronto and the Canadian Forces Snowbirds. convention centre The Snowbirds are a team of serving Planning a wedding? Canada’s Bridal pilots and technicians that performs Show should have everything you’re demonstrations across North America. looking for in nuptial products and This year marks their 70th anniversary services. The show features numerous since forming as a bomber squadron exhibitors and vendors, 90-minute in World War Two and their 50th fashion shows and more, over a full flying the Canadian-designed and weekend. Exhibitors include Hudson’s built CT-114 airplane.

Bay Company Gift Registry, Studio theex.com 2000, Liberty Grand, The Gift Network, Coquette Studios, Henkaa, and Sophie’s Gown Shoppe. canadasbridalshow.com

54 New home guide GTA | aug 31 - sep 14, 2013

Aug 31 - Sept 14, 2013

Showcasing new homes in the GTAâ&#x20AC;&#x2122;s central and north regions

IN THIS SECTION

>> Maps and listings for new-home communities in the central and north region >> Builder news and the latest in new homes in the central and north region

e Av

n sto ng

r

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s ng Ki e v nA

to

n

RD

17

78

32

Sheppard Ave E

2A

401 53 26

58

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Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

90

nD orto

RD

Brim

Galloway Rd

K

Ki

in

Manse Rd

J

rlet

DVP

Main St

Gerard St

83

St Clair Ave E

41

ev

18

Passmore Ave

17

Centennial

Lakeshore Blvd W

Ossington Ave. Dovercourt Rd.

Horner Ave

Keele St.

8

50

Logan Ave.

Danforth Ave.

Cosburn Ave

O'Connor Dr.

25

cL

M

16

East Ave

I

Christie St.

86

Evans Ave

Spadina

Dundas St. W.

Bathurst St. Bay St. University Ave.

Queen St. W. 58 King St. W. 49 Front St.

Yonge St

QEW 4

Yonge St.

57

Don Valley Pkwy

QEW

28

Avenue Rd Bloor St.

Laird Dr

Queensway

Dupont St.

2

43

Woodbine Ave

H

Dufferin St

Davenport Rd.

Rd

Pharmacy Rd Victoria Park

20

Sca

an

Warden Ave

Dundas St W

Allen Expressway

gh

Birchmount Rd Eglinton Ave E

Lawrence Ave E

88

15

Sheppard Ave E Milner Ave

Progress Ave

McCowan Rd

St Clair Ave.

Dufferin St

Va u

Ave E

401

Brimley Rd

80 Rogers Rd

Leslie St Eglinton

38

Ellesmere Rd

Huntingwood Dr

Finch Ave E

5

14

Bellamy Rd

Bloor St W

ay

w

ng s

Bathurst St

Eglinton Ave W

11

Rd

Rd

Caledonia Rd

Briar Hill Ave

y Pkwy

Eglinton Ave W

d y

13 Steeles Ave.

McNicoll Ave

12

Markham Rd

Rathburn Rd

Ki

Weston Rd

kR

ew e

Keele St

to n

ee

427

Kipling Ave

Cr

Th e

B

k lac

Tre th

11

Don Valle

W es

Ave Lawrence Ave E

York Mills

401

Sheppard Ave E

10

Scarborough Golf Rd

G

Martin Grove Rd

Kennedy Rd

Westway

1

40

9

Orton Park Rd

F

Islington Ave

Dixon Rd

pressway

401

89

1

33

87

Finch Ave W

Drewry Rd

Pleasant Ave

8

Bayview

31

Jane St

Wilson Ave

7

Mills

401

400

6

Don

409

Bv

Signet Dr

27

ale

5

Midland Ave

E

Humberline Dr

xd

4

Allen Ex

Re

Rd

3

Dufferin St

Finch Ave W

ion

Alb

2

McCowan Rd

D

1

Toronto, Etobicoke, York, North York, East York, Scarborough

Alness St

C

B

A

central region:

Tapscott Rd

7

Morningside Ave

42

Neilson Rd Morrish Rd

Rd

Sewells Rd Conlins Rd

h

Reesor Rd

rt

Beare Rd

fo

Meadowvale Rd

Da n

56 Port Union Rd

Coxwell Ave

Pape Ave.

Parliament St Sherbourne St Jarvis St.

Dufferin St

Lansdowne Rd.

Roncesvalles Ave.

Jane St

Park Lawn

Royal York Rd

Renforth Dr

19

416-630-5039

3

Fieldgate Homes

IMPRESSIONS

86

Menkes

86

Price Range

•

•

Page No.

from $650,000

30-31 7B

impressionskleinburg.com •

• •

from $515,000

Insert & 25 5F

Humber Mews

416-642-8955

•

Menkes

Dwell city town

416-642-8955

•

87

Menkes

Bloom Park Towns

416-730-1600

•

from $320,000

6-7 8B

89

Decade Homes

Yorkdale Village

416-638-5656

•

from $250,000

73 6D

3

Arista Homes

IMPRESSIONS

impressionskleinburg.com •

• •

from $490,000

5F

3

Paradise Homes

IMPRESSIONS

impressionskleinburg.com •

• •

from $490,000

5F

11

Tribute Communities

Canterbury

647-352-2130

•

from $767,000

9E

20

Beaverbrook Homes

Evolution

416-747-9691

• from $270,000

3H

26

Conservatory Group

Port Union

416-287-3128

•

•

28

Pemberton Group

Park Lake Residences

416-769-4343

34

H&R Developments

Westown

41

Monarch Corporation

43

6-7 3I

6-7 3I

from $520,000

18E

• from $180,000

5H

hr-newhomes.com •

•

• from $190,000

5C

Evergreen

416-495-3526

•

from $470,000

14F

Aspen Ridge Homes

Scenic On Eglinton

416-805-1781

•

•

from $190,000

10F

49

Tribute Communities

RCMI

416-363-4800

50

Fieldgate Homes

Corktown Mews

corktownmews.ca

•

from $550,000

9H

70

Mattamy Homes

Cornell

mattamyhomes.com •

•

from $390,000

7G

77

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

• • from $2100,000 9H

78

Your Home Developments

Nature’s Path

647-340-6972

•

from $280,000

17E

83

Arista Homes

Lilly Factory Towns

416-792-4872

• •

from $395,000

12G

88

Monarch Corporation

Birkdale

monarchgroup.net

•

from $473,000

13D

90

Sundance Homes

Braeburn Lane

sundancehomes.ca •

from $430,000

15D

• from $324,000

8I

Toronto, Etobicoke, York, North York, East York, Scarborough

Goddard on the valley

Tel

central region:

Arista Homes

Site

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1

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De ta Se ch m ed To i w n Co hom nd e o

# Si te

57

K

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Kipling Av

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42

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Huntington

Langstaff Rd

46

2

21

6

40

18

Major Mackenzie

Cr

H

3

Teston Rd

Pine Valley

G

7

King-Vaughan Rd

6

400

24

54

8

27

Weston Rd

F

Kirby Rd

5

400

9 King Rd

10

Rutherford Rd

26

Maple

Jane St

City of Vaughan

1

4

7

55

52

51

49

25

3

5

20

10

22

Centre St

Thornhill

34

15

19

14

Clark Ave W

14

8

4

40

47

12

33 28

13

41

7

23 16

31 44 7

45

53

12

Langstaff Rd

32

11

Dufferin St

E

3

Nashville Rd

2

Keele St

D

1

Cold Creek

C

B

A

central region: Vaughan, Maple, Woodbridge, Thornhill

Hwy. 27

58

Bathurst St

e Av

Rd

50

12 Line R

d

16

17

18

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

15

19

Tel

Price Range

Page No.

24

Fieldgate Homes

Vaughan Valley Estates

905-303-4728

•

from $770,000

25, 36-37 & Insert 9F

24

Arista Homes

Vaughan Valley Estates

905-303-1929

•

from $770,000

36-37 9F

44

Madison Homes

Thornhill

905-417-1203

•

from $1090,000

54

Fieldgate Homes

Rivers Edge

905-303-4728

•

• •

from $740,000

1

Country Wide Homes

Kleinburg Hills

KleinburgHills.com •

from $750,000

4E

1

Aspen Ridge Homes

Kleinburg Hills

647-921-0381

•

from $780,000

4E

42

Dunpar Homes

Riverside Village

416-253-5888

•

from $519,000

44

Madison Homes

Thornhill Ravines

905-417-1203

•

from $1090,000

14g

46

Country Wide Homes

The Point at Woodbridge

905-907-1500

•

from $700,000

8E

47

Country Wide Homes

Upper Thornhill Estates

905-907-1500

•

from $900,000

14E

48

Beaverhall Homes

Regency Estates

905-265-2634

•

from $1301,000

6H

48

Graywood Developments Ltd Regency Estates

905-265-2634

•

from $1250,000

6H

51

Aspen Ridge Homes

King Oaks

905-539-0181

•

from $1100,000

12A

51

Great Gulf Homes

King Oaks

greatgulfhomes.com •

from $1100,000

12A

52

Zancor Homes

Royal Collection

905-833-0883

•

•

from $550,000

12A

53

Treasure Hill Homes

Thornhill Woods

treasurehill.com •

from $986,000

13g

55

Oskar Group

Le Sedici

lesedici.com

from $600,000

10E

11 14g

Insert & 25 8E

5I

central region: Vaughan, Maple, Woodbridge, Thornhill

Site

M Fi ap nd er

Builder

De ta Se che m d To i w n Co hom nd e o

# Si te

59

1

2

3

4

5

6

7

8

5

27

6

G

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22

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7

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Mill

Leslie

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St

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21

8

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F

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Bayview

B

10

Leslie S

A

9

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

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

Price Range

Page No.

1

Heathwood Homes

Hampshire Mews

heathwood.com

from $420,000

49 5I

6

Fieldgate Homes

The Humberlands

905-773-7738

•

from $850,000

Insert & 25 2C

14 Arista Homes

Jefferson Forest

jeffersonforestliving.com •

•

from $560,000

41 4H

15 Madison Homes

Jefferson Forest

jeffersonforestliving.com •

•

from $560,000

41 4H

15 Forest Hill Homes

Jefferson Forest

jeffersonforestliving.com •

•

from $560,000

41 4H

16 Fieldgate Homes

Jefferson Forest

jeffersonforestliving.com •

•

from $560,000

41 4H

27 Acorn Homes

Oak Knoll

acornhomes.ca

•

from $615,000

75 4C

2

Pemberton Group

The Royal at Bayview Glen

905-709-5700

• from $190,000

3

Centra Homes

The Mills Collections

416-238-2404

•

from $940,000

5J

4

Aspen Ridge Homes

Kettle Lakes Club

289-231-2849

•

from $550,000

6D

20 North Star Homes

King’s Crossing

416-291-9666

•

from $440,000

2E

22 Yorkwood Homes

Hillside Manors

905-770-4662

•

from $472,000

25 Treasure Hill Homes

Urbantowns on Bayview

treasurehill.com

•

7Q

26 Arten Development Group

The Manors of Roseview Grand

roseviewgrand.com

• •

from $650,000

6Q

5I

4L

Richmond Hill

Tel

central region:

Site

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Builder

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

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ve 19 A

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Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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404 y 31 Pkw 81 het Cac

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52 8 42 12

9 Line

65

cessio

6 35 57 41 11 70

G

12

e Ave

25

10 Con

Town of 50 Markham

46

11

.

ane

L reen

10

44 1 55 7

9

in Woodb

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8

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Kenned

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7

Bayview Av e

Elgi

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6

McCow

ve 18 A

v 19 A

5

an Rd

F

4

Ave Warden

E

Thornhill

3

Town of Markham

Town of WhitechurchStouffville

2

t Yonge S

D

Town of Aurora

Town of Newmarket

1

St N

C

B

A

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

48

Rd

Main

n Rd

en

62 cessio

Al d

9 Con

cessio nR

Dr

erson

Ave

t

S Yonge

Tel

Price Range

Page No.

4

Fieldgate Homes

The New U

905-477-6464

•

• •

from $525,000

Insert & 25 5G

6

Primont Homes

Heirloom in Markham

905-201-2804

• •

from $400,000

13 7f

11 Madison Homes

Greensborough

905-201-7700

•

•

from $601,000

11 7F

20 Fieldgate Homes

BlueSky Stouffville

905-640-0002

•

from $440,000

25, 45 & Insert 18f

24 Ballantry Homes

Cornell

905-294-0221

•

•

from $420,000

5 8g

30 Madison Homes

Cornell Rouge

905-472-9556

•

•

from $460,000

11 & 35 8F

30 Forest Hill Homes

Cornell Rouge

905-472-0229

•

from $470,000

35 & 71 8f

41 Aspen Ridge Homes

Upper Cornell

905-554-3446

•

•

from $495,000

1 7F

50 Geranium Homes

Uptowns at Cardinal Point

905-640-9999

•

•

from $390,000

22-23 7F

52 Fieldgate Homes

Potter’s Bend

fieldgatehomes.com •

•

from $573,000

Insert & 25 6G

59 Primont Homes

Harmony

905-305-8871

•

from $540,000

13 5I

65 Fieldgate Homes

Victoria Manor

fieldgatehomes.com •

from $819,000

Insert & 25 3G

1

Marydel Homes

Woodland Hills

905-898-7380

•

from $400,000

10B

2

Beaverbrook Homes

The Terrace On Rouge Creek

905-640-7360

• •

from $390,000

17F

3

Mattamy Homes

St. John Forest

mattamyhomes.com

from $470,000

13E

8

Country Wide Homes

Wismer Commons

905-907-1500

•

•

from $450,000

6F

12 Laurier Homes

windsong

905-201-5979

•

•

from $495,000

6G

12 Laurier Homes

Windsong North

905-201-5979

•

from $598,000

6G

17 Conservatory Group

Heritage Estates

905-640-2274

•

•

from $283,000

18E

18 Kylemore Communities

Angus Glen West Village

905-887-9950

•

from $2000,000

4G

20 Starlane Home Corporation BlueSky Stouffville

starlanehomes.com •

from $518,000

18F

28 Preston Homes

Copper Hills

905-954-4050

from $500,000

14d

30 Madison Homes

Forest Hill

cornellrouge.com

•

from $400,000

8F

42 National Homes

Wismer Woods

416-746-1234

•

• •

from $680,000

6G

50 Geranium Homes

The Neighbourhoods of Cardinal Point 905-640-9999

•

•

from $575,000

7F

50 Geranium Homes

Cardinal Point Downtown Stouffville 905-640-9999

•

•

from $390,000

7F

51 Oxford Homes

Coventry Valley

905-836-8902

from $600,000

9C

53 H&R Developments

Castle Square

hr-newhomes.com

•

6g

54 Beaverbrook Homes

Victoria Highlands

416-924-0110

•

from $450,000

16B

55 Country Wide Homes

Woodland Hills

905-907-1500

•

10C

62 North Star Homes

Mill Fair Village

NorttStarHomesInc.com

•

from $500,000

6G

64 Starlane Home Corporation Upper Unionville

905-534-0493

•

• •

from $520,000

5G

64 Fieldgate Homes

Upper Unionville

905-477-6464

•

•

from $525,000

5G

64 Arista Homes

Upper Unionville

905-534-1564

•

•

from $520,000

5G

64 Paradise Homes

Upper Unionville

905-477-6464

•

•

from $520,000

5G

66 Treasure Hill Homes

Aurora Woods on Bayview

treasurehill.com •

from $759,000

13H

85 Orchard Ridge Homes

Prairiewood

orchardridgehomes.com •

from $800,000

16F

•

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

Site

M Fi ap nd er

Builder

De ta Se che m d To i w n Co hom nd e o

# Si te

63

K

9

59

Mono Adjala 14

51

15

King

Schomberg

9

11

Keswick East Gwillimbury

45 34 70 400 16 5 Bradford

32

Tecumseth and Tottenham65 71

Beeton

12

0

10

Hwy 5

Shelburne

89

44

Alliston61

47

Essa

400

48

Georgina

k La

e

co

im eS

11

12

48

29

Lindsay

Uxbridge

Cannington

7 3

9

Scugog

Oshawa

Dr

14

401

15

27

E

400

ark

Dr

Map

8

r

30 wD levie

18

19

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

* Due to scale restrictions locators are approximate.

Please see builder’s ads for exact locations.

on P

Bay

Mols

Big

17

e Av tle Lit Yo ng eS t t Rd Poin

Steel St

16

Lakesh ore Burton Av Dr e

St

400

lop

Newcastle

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42

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Map

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13

Lake

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Georgina Island 33 obcayg B

Mara

11

s Dr

J

72

58

40

Tosorontio Everett

37 55

Barrie

Oro

6

Orillia

11

10

n Vetera

I

H

G

90 48 Lisle 44 Angus

Sunnidale

Vespra

400

93

69

9

Bracebridge

8

St

1

43 34 39

Wasaga Beach

27

27

Tay

69

400

7

irv

24

60 41

6

Huron Rd

iew

F

24

Midland

5

Fa

E

4

t

Thornbury

Georgian Bay

3

tS

D

2

ne

An

C

1 St.

B

A

Barrie, Collingwood, Wasaga, Innisfil, Keswick

th St

64 Duckwor

north region:

en

nc Vi ia Rd

Tel

Price Range

Page No.

nationalhomes.com •

from $450,000

18-19 7I

17 Brookfield Homes

Grand Central

905-778-0873

•

from $328,000

17 & 66 8I

58 Lakeview Homes

Greenbrook Village

519-306-0665

•

from $280,000

20 3I

59 Brookfield Homes

Fieldstone MyFieldstone.ca

•

from $563,000

17 5J

65 Brookfield Homes

Willow Glen Tottenham

1-888-720-9508

•

from $290,000

17 7J

71 Briarwood Homes

Mill Street Village

millstreethomes.com

• •

from $291,000

67 7J

1

Pacific Homes Limited

MarlLake Village

1-877-428-5115

•

from $210,000

4F

1

Red Berry Homes

MarlLake Village

1-877-428-5115

•

from $210,000

4F

4

Mancini Homes

Princeton Woods

705-730-1978

•

from $330,000

14E

6

Mariposa Homes

Trailside

705-329-3330

•

•

from $249,000

8C

6

Mancini Homes

West Ridge Place Orillia

905-773-9997

•

8C

8

Fandor Homes

Hamptons on Big Bay Point

705-792-6807

•

from $250,000

18D

9

Grandview Homes

Big Bay Point

705-735-0732

•

from $355,000

13E

11 Ballymore Homes

Lakeside Meadows

1-877-455-0201

•

•

from $290,000

9g

11 Ballymore Homes

Lakeside Meadows

1-877-455-0201

•

from $293,000

9g

12 Previn Court Homes

Victorian Village

1-855-7PREVIN

•

•

from $280,000

14 Rosehaven Homes

King Country Estates

905-558-0098

•

from $700,000

7k

14 Aspen Ridge Homes

King Country Estates

905-558-0255

•

from $570,000

7k

14 Country Wide Homes

King Country Estates

905-907-1500

•

from $750,000

7k

16 Great Gulf Homes

Summerlyn Village

905-775-3461

•

from $580,000

24 Kaitlin Corporation

Blue Shores

1-866-625-2583

•

from $380,000

2E

32 Country Homes

Alcona by the Lake

1-866-531-3424

•

•

from $300,000

7G

33 Sandiego Homes

Lakeside Living in Innisfil

705-436-5445

•

•

from $285,000

7F

37 Pristine Homes

Pebbleshores

705-436-5547

•

from $240,000

7G

39 Stonebridge Building Group Stonebridge by The Bay

1-877-420-0880

•

from $200,000

5E

40 Royalpark Homes

Emerald Forest

royalpark.com

•

•

from $200,000

41 Delpark Homes

Pretty River on Georgian Bay

1-888-257-1999

from $298,000

3E

43 Bremont Homes

Centretown

1-877-855-1122

•

from $234,000

5E

44 RAYMAC Homes

Brennan Enclave

705-516-0681

•

from $252,000

6G

44 Brookfield Homes

Treetops

705-435-3577

•

from $280,000

6I

44 Orchard Ridge Homes

Treetops

705-435-3577

•

from $280,000

6I

45 Rosehaven Homes

Dreamfields in Bradford

416-410-0175

•

•

from $300,000

8I

45 Regal Crest Homes

Dreamfields in Bradford

dreamfieldsbradford.com •

•

from $311,000

8I

45 Country Wide Homes

Dreamfields in Bradford

dreamfieldsbradford.com •

•

8I

46 Devonleigh Homes Inc.

Creekside

705-444-0555

•

•

from $210,000

3e

47 Devonleigh Homes Inc.

Parkside by Devonleigh

705-435-9991

•

from $275,000

6h

48 Devonleigh Homes Inc.

Brownley Meadows

705-423-9662

•

•

from $225,000

6G

55 Briarwood Homes

Briarwood Estates

705-294-2288

•

from $350,000

7G

60 Briarwood Homes

Pretty River Collingwood

1-888-257-1999

•

from $310,000

3E

70 Far Sight Homes

Greenfields

1-855-299-7929

•

from $285,000

71 Ballymore Homes

Mill Street Village

millstreethomes.com

• •

from $291,000

7J

6I

7I

6I

6I

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Site The Forest

north region:

Builder

Fi Map nd er

National Homes

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

# Si te IFC-Inside front cover

5

65

66 New home guide GTA | aug 31 - sep 14, 2013

Grand Opening Phase 2 in Tottenham

The Springfield, 3,051 sq.ft., from $508,990

40’ Singles from

413

$

,990

Don’t miss your chance to become a part of this very successful community.

With over 100 homes sold since our launch, we are celebrating the success of Mill Street Village by opening PHASE 2 and releasing a new selection of fabulous lots!

Take a look today! You’ll be moved tomorrow!

ALSO AVAILABLE Townhomes from

$290,990

Semis from

33’ Singles from

$327,990 $367,990

TOT T E N HA M

1-855-232-8100

SALES OFFICE HOURS: Mon-Thurs: 1-8pm, Fri. – closed, Sat., Sun. & Hol.: 11am – 6pm

millstreethomes.com

Prices and specifications are subject to change without notice.

All renderings are artist’s concept. E. & O. E.

SALES PAVILION

communityfocus

National is coming to Bradford with Pottery Barn model homes! location Bradford housing type Detached homes on 36- and 40-ft. lots contact 416.746.1234 nationalhomes.com

68 New home guide GTA | aug 31 - sep 14, 2013

I

f you’re looking for a home north of the city and you’ve seen the awardwinning home designs that National has created in prestigious neighbourhoods such as Oakville and Markham, then you’ll be glad to know that National is coming to Bradford this Spring.

At The Forest by National, you will be able to choose from elegant detached homes on 36- and 40-ft. lots with gracious elevations in stone and stucco and classic brick. What makes this launch even more exciting is that The Forest is opening with three Model Homes for you to tour – and each one is decorated by Pottery Barn!

If you love that comfortable Pottery Barn style, or contemporary-casual west elm style, then this opening is a must-see!

This sought-after neighbourhood near Professor Day Dr. and Eighth Line will be set by a woodlot and many homes will back onto the forest.

Others will have beautiful forest views! It’s a perfect place to bring up a family, or to start one. With the fresh air of the countryside and the small town charm of Bradford, you’ll find the big city just close enough for comfort.

Here, you will get much more home for your money than you would in many other neighbourhoods… especially when you look at the all the unique features you’ll find in these stylish designs, like dressing rooms, mud rooms

The Forest by National offers all the local amenities of Bradford, including the small town charm of the historic downtown, a brand new library and community centre, parks and shopping and you are just down the road from the rolling hills of farm country.

for all that sports equipment and kids gear, vaulted ceilings, serveries and designs to more than 3,000 sq. ft. with up to five bedrooms! You can even have the practicality and storage space of a two-car garage on the 40-ft. lot designs, and many of the 36s. Prices for these move-up homes will start in the mid $400’s and up to $600,000-plus.

“We’ve asked our buyers what they want through focus groups and research and in Bradford that’s exactly what we are building,” says National Marketing Director Deena Pantalone. “National believes that the needs of the customer should be the driving force behind every home we build.

NATIONAL HOMES

The Forest

It’s all part of National’s “You are the Blueprint positioning. When a builder designs homes from the inside out rather than the outside in, they look a lot less like bricks and mortar and a lot more like the people who live in them.”

The Forest by National offers all the local amenities of Bradford, including the small town charm of the historic downtown, a brand new library and community centre, parks and shopping and you are just down the road from the rolling hills of farm country. With Hwy. 400 minutes away and the Bradford GO Train Station around the corner, you can be connected to anywhere in the GTA in no time at all.

If the chance to move up to a beautiful detached home by a forest appeals to you, then you’ll want to be there when National opens the door to their three Pottery Barn Models for their Insiders VIP Preview. To get on the List, visit nationalhomes.com or call 416.746.1234.

69

inthenews

Affordability and fairness must be made a cornerstone of Ontario’s planning system:

OHBA

The Ontario Home Builders’ Association

(OHBA) welcomes the recent announcement by Minister of Municipal Affairs and Housing Linda Jeffrey that the provincial government intends to launch consultations on Ontario’s land-use planning system and growth-related infrastructure financing.

“Currently, new neighbours are being forced to finance massive infrastructure projects and urban renewal across Ontario. The Development Charges Act should be renamed the New Neighbour Tax,” says OHBA Chief Operating Officer Joe Vaccaro.

OHBA recognizes that the time is right for the province, municipalities and industry to make affordability and fairness a cornerstone of Ontario’s planning system.

“This is an opportunity to have a fact-based discussion about how Ontario’s lengthy and complex public planning system is challenging housing affordability and adding to the costs of new communities for Ontarians,” says Vaccaro.

Minister Jeffrey also announced that the provincial government would launch a consultation to evaluate the Development Charges Act and other related taxes, fees and charges that municipalities levy onto the costs of new homes. OHBA has, for several years, expressed serious concerns that increasing government-imposed charges are driving up the cost of housing. Increasing prices for housing is progressively impacting the ability for Ontarians to purchase appropriate housing to suit their needs.

This is limiting opportunities for economic growth while reducing our competitiveness with other jurisdictions.

“By placing the new neighbours at the centre of this discussion in terms of affordability and fairness, we welcome the opportunity to have a detailed discussion on the impact of development charges, parkland dedication fees, section 37 agreements and voluntary charges on new communities. The cost for families to purchase a home 70 New home guide GTA | aug 31 - sep 14, 2013

OHBA has been advocating for greater accountability and transparency by municipal governments so that new neighbours understand that up to one quarter of the cost of their new home is paying for the infrastructure used by the broader community. has skyrocketed in recent years and new neighbours can no longer afford additional taxes,” noted Vaccaro, adding, “OHBA has been advocating for greater accountability and transparency by municipal governments so that new neighbours understand that up to one quarter of the cost of their new home is paying for the infrastructure used by the broader community.”

The Ontario Home Builders’ Association is the voice of the residential construction industry in Ontario representing 4,000 member companies organized into 30 local associations across the province. The industry contributes more than $43 billion to Ontario’s economy, employing more than 325,000 people across the province.

Artist’s concept

Large freehold

NEW

TOWNS in Markham

The

Rouge Brook 1,857 sq.ft.

MARKHAM

You receive 1 bathroom for every bedroom... ...an amazing 3 1/2 baths available on our spacious freehold townhomes!

PLUS*

Natural Oak Stairs Smooth Ceilings Glass Showers Strip Hardwood in Living/Dining Upgraded Cabinetry Sales office located at the S/E corner of Cornell Centre Blvd. and 16th Ave. Cornell Centre Blvd. temporarily closed, access to sales office off of 16th Ave.

LARGE FREEHOLD TOWNHOMES STARTING FROM THE

470’s

$

from 1,737 sq.ft.

LIMITED TIME OFFER U DECORATED MODELS NOW OPEN

foresthillhomes.ca or 905-472-0229

* As per applicable Bonus and floor plan, applies to firm purchases only between May 15th and June 30th, 2013.

May not be included in finished/inventory homes. See sales representative for details. To be valid Bonus must be included in an accepted Agreement of Purchase and Sale. Prices, plans, specifications and bonus’ are subject to change without notice. E and O.E,

71

72

aug 31 - sep 14, 2013 | New home guide GTA 73

inthenews

OHBA announces

finalists for 2013 Awards of Distinction The Ontario Home Builders’ Association “The Awards of Distinction program is (OHBA) has announced the finalists for its 2013 Awards an opportunity to pay tribute and honour of Distinction. Finalists were judged from entries from the creativity, innovation and talent of across the province encompassing 34 categories of build- builders, renovators, designers and marketing, design, sales and marketing. A complete list of final- ers within the new home building and ists is available at ohba.ca/awards_of_distinction. renovation industry,” says OHBA President Winners of the OHBA Awards of Distinction will be Leith Moore. “The building industry is a announced on Sept. 24 at the Niagara Fallsview Casino major driving force in our province and the Resort in Niagara Falls, where the gala awards ceremony Awards of Distinction celebrates this will be a highlight of the 2013 OHBA Conference. dynamic sector.”

In addition to the individual category awards, OHBA The Ontario Home Builders’ Associawill also announce the winner of the coveted 2013 Ontario tion is the voice of the residential construcHome Builder of the Year. Finalists are: tion industry in Ontario representing 4,000 member companies organized into 30 local The Minto Group – minto.com associations across the province. The inReid’s Heritage Homes – reidsheritagehomes.com dustry contributes over $43 billion dollars Tridel Corp. – tridel.com to Ontario’s economy, employing more than 325,000 people across the province.

74 New home guide GTA | aug 31 - sep 14, 2013

                    

         

                                                

    

Bloomington SITE SALES CENTRE

Hwy 404

     

N

Yonge

   

  $7,500 IN FREE UPGRADES. Presentation Centre Hours: Mon. - Thurs.: 1pm - 8pm; Sat. & Sun.: 11am - 6pm; Closed Fridays & Holidays 905-773-9257 acornhomes.ca

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

75

inthenews

etobicoke

Intensification Housing Tour

Michael Collins-Williams is a registered professional planner and is the director of policy at the Ontario Home Builders’ Association

by Michael Collins-Williams

president and chair of OHBA’s Sales sought after west end of Toronto, is undergoing an exciting transformation as and Marketing Committee, Richard many older neighbourhoods are being revitalized while new communities are Luciani, the housing tour visited two simultaneously emerging on the waterfront. Etobicoke has always been one of condo projects and two stacked the city’s premier places to live, work and play with fabulous restaurants, great townhouse projects that each represent schools, abundant parkland and easy access to both transit and highways. New- a significant investment in the future home builders are offering an ever-increasing amount of new opportunities and of Etobicoke. As the tour got underway, choices in a variety of housing types and communities for potential future Luciani noted that “Some areas in residents to make Etobicoke their home.

Etobicoke have seen a strong The revitalization of the former motel strip along Humber Bay partnered resurgence and regeneration in the with renewed investment in waterfront parkland and the clean-up of old past decade. Long-time residents have industrial brownfield sites are all contributing to the creation of vibrant new always known and newer residents communities in Etobicoke. There is also a renewed interest with investment have discovered the great lifestyle and flowing into older established communities around the Old Mill in the historic conveniences in Mimico, Long Branch, Kingsway neighbourhood as well as the Humbertown community that will Alderwood, Thompson Orchard and provide opportunities for new-home buyers to choose either a newly emerging Islington Village neighbourhoods, to community or an older established neighbourhood to call “home” in Etobicoke. name a few.”

There is a collection of newly planned luxury condo towers and more intimately The housing tour kicked off with planned lowrise stacked townhome sites that will breathe more life into the a visit to Minto’s intimate collection many burgeoning communities that encompass Etobicoke. of two- and three-bedroom South Each unique new-housing project offers a wide range of lifestyle options and Shore stacked townhomes in the were the focus of a recent Intensification Housing Tour organized by the Ontario historic Mimico neighbourhood.

Home Builders’ Association (OHBA). Hosted by Cedar Point Real Estate Corp. Minto’s sales manager, Jessica Robinson, welcomed tour participants and the Minto team discussed the distinctive stacked townhouse design, that is already well into the construction phase located at Carnation and 24th St. The second stop on our journey was Canada’s soon-to-be tallest waterfront community, Eau Du Soleil

by Empire Communities. Paul Golini, executive vice-president of the firm, discussed the distinctive sweeping forms of the towers designed by the Zeidler Partnership and E.I. Richmond Architects, and the new parkland which will be created as a result of the The former City of Etobicoke, nestled into the highly

76 New home guide GTA | aug 31 - sep 14, 2013

left

Housing tour host and Cedar Point Real Estate Corp. president Richard Luciani with tour sponsor Ben Myers, senior vice-president, Fortress Real Developments

opposite page

OHBA Intensification Housing Tour group below

The Eau Du Soleil model

project that will soon become an iconic modern symbol residential communities offer townhomes, semis and replacing the former run-down motel strip at Humber Bay single-family housing from the $300’s to several million.

Shores. The 64-storey tower and its 45-storey companion Among the choices are neighbourhoods such The tower will encompass not only the residential suites, but Kingsway, Princess Anne Manor, Thorncrest Village, also a selection of street-level restaurant and patio spaces as Royal York Gardens, Mimico and Sunnylea.”

With all the restaurants, bars, mature trees on quiet well as an innovative rooftop garden concept on the tower neighbourhood streets, and abundant parkland that are podiums imported from New York City.

Following a delicious lunch, the tour next visited IQ by already major draws for the area, it is clear that the additional Remington Homes. Rick Tripodi, vice-president of the investments to come will only serve to make Etobicoke an High-Rise Division for Remington Homes, discussed the even better place to call “home!” planning process the builder underwent to bring the first four towers to the market with two nearing completion and the two most recently launched Park Towers at IQ still having a selection of suites available that will front onto a beautiful new park designed by Janet Rosenberg & Associates. The Intensification Tour participants even received a sneak peek of what Remington Homes has planned as an iconic final phase which is sure to be a showstopper once it is completed in a few years’ time.

At the final site of the tour, Sheldon Ankin from Fernbrook Homes welcomed everyone to the W&E stacked townhomes by Fernbrook Homes and Cityzen Development located at the corner of Widdicombe and Eglinton Ave. W. Future residents will live in a fantastic location with great access to transit and both Hwys. 427 and 401, along with a selection of nearby parkland. Large floor-to-ceiling windows will fill the homes with light, and spacious balconies offer the perfect outdoor space to sit back and enjoy. The stacked townhouse concept is fairly new in Ontario and affords a variety of suite configurations to suit different residents’ needs.

The Intensification Housing Tour was a glimpse into the tremendous amount of investment and intensification taking place in different communities throughout Etobicoke. Luciani remarked, “There are plenty of housing options that appeal to every buyer. There are numerous condominiums along the waterfront, the Queensway, 427 corridor, Islington Village and other neighbourhoods with prices ranging from the mid-$200’s to the millions. Quiet 77

inthenews

Charities win

at the Sixth Annual Kylemore Kares Golf Tournament Two hundred golfers teed off on Aug. 21 at the Sixth Annual Kylemore Kares Charity Golf Tournament held at prestigious Angus Glen Golf Club in Markham.

Since its inaugural year, the tournament has expanded to now use both of Angus Glen’s 18-hole championship courses.

“The tournament always sells out quickly due to the support we receive from our trades, consultants and suppliers,” says Kylemore Communities’ President Patrick O’Hanlon.

“We added the evening dinner event a few years ago so non-golfers can join us in supporting this great fundraising day.”

Golfers enjoyed on-course food and beverage stations provided by local restaurants: The School Fine Dining, The Unionville Arms, Jakes on Main Street, Unionville Co. Restaurant and Angus Glen’s own Silo Grill. The evening event showcased a selection of menu items from the Golf Club’s new Executive Chef James Piggott, and guests enjoyed the musical entertainment of Cobra Kings.

As an integral part of its corporate philosophy, Kylemore Communities is committed to lending a hand to charities and non-profit organizations in areas in which it builds. Throughout the year, the company hosts events that reflect this spirit. Over the past six years, Kylemore’s annual charity golf event has raised more than $600,000 in support of charity and non-profit organizations such as: ALS Society of Canada, U of T Varsity Blues Women’s Hockey League, Unionville Home Society Foundation, Tony Roman Memorial Hockey Tournament, Unionville-Milliken Soccer Club, Kidsport, Markham Jazz Festival, Children’s Wish, Through Their Eyes Charity Golf Classic for Toronto General Hospital and Credit Valley Hospital, Lymphoma Foundation Canada and Markham Stouffville Hospital Foundation.

“The funds raised at this annual event are distributed throughout the year. We often 78 New home guide GTA | aug 31 - sep 14, 2013

choose to support organizations who may not receive major corporate donations and amounts such as $1,000 can make a huge difference,” says O’Hanlon.

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

Kylemore is currently selling the final few detached family homes in Port of Newcastle. In Angus Glen Community, Markham’s only master-planned golf course community, Kylemore offers The 6th boutique resort-style condominiums, many sizes of detached homes and grand custom homes. For an overview of Kylemore Communities, visit kylemorecommunities.com

ABOVE Patrick O’Hanlon (third from right) and golfers pose for photos LEFT Kylemore’s Golf Committee pulls off another great charity event

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inthenews

Broccolini’s Park Towns at Bayview and Sheppard sells out within hours In t er est ed bu y ers r ecen t ly seized t he opportunity to purchase townhomes at Park Towns Bayview and Sheppard, with registration proving a success and all 50 units in the new complex selling out within mere hours of their release. The project’s strong sales come at a time when analysts are predicting a downturn in Toronto’s housing market.

As the first residential project in Toronto by Montréal-based Broccolini – one of North America’s leading builders and developers – Park Towns’ impressive registration performance demonstrates Broccolini management’s skill at carefully analyzing market conditions and delivering the kind of residences that appeal to local homebuyers.

“We believe the sheer speed at which residences sold out demonstrates the strength of this market, particularly when consumers are presented with quality products and such remarkable value,” says Broccolini Vice-President, Business Development and Finance, Michael Broccolini. “Our research told us that there is a demand for newly-constructed condo-townhomes in this part of Toronto, featuring designs for everyone from families with children, to single professionals.”

With constructed slated to begin in the first quarter of 2014, satisfied buyers are eager to occupy their Park Towns residences. As many buyers remarked, Park Towns boasts unprecedented quality and value for Torontonians seeking opportunities to live in the city’s uptown district.

“Park Towns offers spacious family living in a prime area of the city at great value and with easy access to great schools for our children,” Park Towns purchasers Margarita Orlova and Dimitriy Pavlyuk said of the project.

“It’s virtually impossible to find that combination of livability and investment

value in other Toronto neighbourhoods, especially not with amenities like the subway and shopping at malls like Bayview Village within walking distance.”

The collection of 50 urban townhomes offers a unique lifestyle advantage combining sleek, contemporary architectural design within easy proximity to a wealth of transit and lifestyle amenities, including Toronto’s 400-series highways, the Sheppard subway line (Bessarion Station is located just steps away from the development) and the shops and fine dining at upscale Bayview Village Shopping Centre. That’s in addition to a pristine setting amid some of the city’s finest parklands, where local residents can often be seen cycling, jogging, walking their dogs or enjoying the lush scenery.

The project’s brownstone-inspired architecture in family-friendly one-, two- and three-bedroom designs – starting in the mid$200’s – by SMV Architects and interior design firm Bryon Patton and Associates, offer a wealth of features from meticulous interior finishes, to private rooftop terraces and nine-ft. ceilings.

Strengthening the value proposition is Broccolini’s strong industry reputation.

With more than 60 years of experience in residential, retail, industrial and commercial construction throughout Ontario and Québec, the Broccolini family (broccolini. com) is building some of the country’s finest residential developments, including 155 Redpath in Toronto, The Slater in Ottawa and L’Avenue in Montréal. Long regarded as one of the nation’s leading builder and developers, Broccolini is transforming city footprints and skylines.

For more information, visit parktowns.com or call 416.868.0784.

80 New home guide GTA | aug 31 - sep 14, 2013

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Prices & specifications subject to change without notice. E. O. & E. aug 31 - sep 14, 2013 | New home guide GTA 81

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newhomeguide.ca For your free copy please call 416.626.4889 82 New home guide GTA | aug 31 - sep 14, 2013

Aug 31 - Sept 14, 2013

Showcasing new homes in the GTAâ&#x20AC;&#x2122;s west region

IN THIS SECTION

>> Maps and listings for new-home communities in the west region >> Builder news and the latest in new homes in the west region

84

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Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

15

19

Site

Tel

Price Range

Page No.

Fi M ap nd er

Builder

De ta Se ch m ed To i w Co nho nd m o e

# Si te

3

Starlane Home Corporation Churchill Woods

churchillwoods.ca •

• •

from $499,000

27 4E

3

Greenpark Homes

Churchill Woods

churchillwoods.ca •

• •

$499,000

27 4E

1

Vandyk Communities

Windows on the Green

vandykcommunities.com

2

Amacon

The Towns at Parkside Village

705-435-9991

4

Conservatory Group

Central Park North

905-890-0195

19 Dezen Homes

McLaughlin

20 Forest Hill Homes

23 Dunpar Homes

• from $300,000

5H

•

from $550,000

8F

•

•

from $465,000

7F

905-696-7938

•

from $544,000

8B

Derry Village Mississauga

905-795-8307

•

from $500,000

8B

Park View Trail

416-253-5888

•

from $500,000

11F

west region:

IBC-Inside back cover

Mississauga

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905-843-0707

•

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from $390,000

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21 Primont Homes

Centretown

905-495-5067

•

• •

from $356,000

39 9M

45 Brookfield Homes

Pathways

905-584-2225

•

from $405,000

17 8K

60 Primont Homes

Castlemore

905-856-5777

• •

from $410,000

13 9K

62 Fieldgate Homes

Valley Lands

905-457-0445

•

• •

from $386,000

Insert & 25 9O

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $498,000

93 6P

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $498,000

93 6P

66 Ballantry Homes

Spring Valley Village

905-457-3698

•

from $390,000

5 9M

1

Tribute Communities

Landscapes

905-893-3331

• •

from $399,000

8M

2

Coscorp Inc.

The Village of Southfields

thevillageofsouthfields.ca •

• •

3

Empire Communities

Lakeside

empirelakeside.com •

•

from $350,000

7N

4

VanMar Homes

Credit Ridge Estates

416-746-1234

from $550,000

8P

6

Townwood Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Country Wide Homes

Gates of Countryside

905-907-1500

•

from $400,000

9M

6

Regal Crest Homes

Countryside Meadows

countrysidemeadows.ca

•

from $346,000

9M

6

Royal Cliff Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Starlane Home Corporation Gates of Countryside

starlanehomes.com •

from $520,000

9M

9

Mattamy Homes

Mount Pleasant North

mattamyhomes.com •

• • from $306,000

6P

9

Mattamy Homes

Mount Pleasant Village

mattamyhomes.com •

• • from $200,000

6P

17 Pemberton Group

Rosedale Village Golf & Country Club

905-799-5000

•

• • • from $190,000

18 Saberwood Homes

Heart Lake Village

905-773-6549

8N

19 Mattamy Homes

Salisbury Square

mattamyhomes.com •

•

from $314,000

10N

25 Heathwood Homes

Terracotta Village at The Credit Valley 905-874-4741

•

from $430,000

9Q

32 Forest Hill Homes

Ravines of Castlemore

905-794-8875

•

from $650,000

8K

37 Oxford Homes

Adena Ridge

905-584-6444

from $600,000

5H

38 Andrin Homes

Turnberry Townhomes AndrinTowns.com

•

from $350,000

9M

48 Aspen Ridge Homes

Credit Manor Heights

905-216-5155

•

•

from $390,000

7Q

48 Regal Crest Homes

Credit Manor Heights

yourkingdom.ca

•

•

from $390,000

7Q

48 Country Wide Homes

Credit Manor Heights

yourkingdom.ca

•

from $390,000

7Q

51 Acorn Homes

Castlegate

acornhomes.ca

•

from $575,000

11K

55 Rosehaven Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

from $270,000

6P

55 Townwood Homes

The Neigbourhoods of Mount Pleasant

LoveMountPleasant.com •

•

from $270,000

6P

55 Townwood Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

from $270,000

6P

58 Devonleigh Homes Inc.

Meadowlands

519-942-3312

•

•

from $339,000

3C

64 Meridian Homes

Credit Valley Manors

905-216-5186

•

•

from $400,000

8P

•

•

• from $300,000

6L

8L

Brampton, Caledon, Bolton

Site The Village of Southfields

west region:

Builder

Fi Map nd er

Monarch Corporation

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iv

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Ar

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Sid er oa d 25

th

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14

Rd

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Acton, Halton Hills, Milton, Burlington, Waterdown

e

M

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nt

west region:

ug

Waterdown

K

25 Tr 5 em ai n

A

th

12

d

ro

h

es

nc

Co

14

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J

17 Rd

bu

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7

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iss

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88

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24

on

Li

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401

M

ill

Rd

ne

Br

Li

n

H

ay

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401

el

ph

w

ga

Rd

ne Li

Gu

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

rk

Rd

ne

Rd

ne

Li

Pa

Milton

Li

ne

ow

w To

G

1

Li

al af Tr

2

Sn

5

F

8

es

d

30

Rd

Rd

2

oa d Sid er

y.

7

Halton Hills Georgetown Ja m

te

ne

Rd

Li

on Br

ne Li

Hw

Rd

10

ne

33

16

Sid er

Li

5

4

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6

17

D E

oa d 22

25

15

y

Sid er

Hw

Cl ay

Hw

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C

hi ll Rd

26

d rR Rd ga e al n i af L Rd Tr 6 ne Li 4

A

rt Rd ou ll s C chi le r vd Co Bl hu C t on e S ct c la al W

B

vd Bl ne Rd Li ill ne ch th Li /9 ur 8 Rd Ch w on ie st Rd nv in ai ne W Li nt ou 10 M

Acton

Stoney Creek

2

Grimsby 37

36

35

St. Catharines

Niagara 420

20

Price Range

•

Page No.

•

from $250,000

99 7M

•

from $220,000

8-9 & BC 9G

•

from $420,000

6-7 9C

The Uptowns of waterdown

905-690-7600

17 Mattamy Homes

Hawthorne Village

mattamyhomes.com

33 Menkes

The Enclaves of Upper Canada

289-891-9103

•

1

Schuit Homes

Perth Park

905-628-9559

• 1Q

2

Great Gulf Homes

Edgewood

905-356-9408

•

5

Arista Homes

Milton Trails

905-864-3306

9h

12 Tobyn Park Homes

Park City

parkliving.ca

13 Heathwood Homes

The Village at Traditions

905-876-3140

•

•

from $441,000 8h

20 Parkbridge Lifestyle Communities Inc. Cherry Hill at Vineland

1-800-479-9777

•

from $194,000 12R

22 Country Green Homes

Park Place Village

905-690-7600

•

• •

from $285,000 8m

26 Eden Oak

Weaver’s Mill

weaversmill.com/nh

•

from $336,000 6B

35 Phelps Homes

Jordan Village

phelpshomes.com

•

from $345,000 9R

36 Phelps Homes

Brookside

phelpshomes.com

•

from $236,000 7R

37 Phelps Homes

Streamside

phelpshomes.com •

from $316,000 6R

from $305,000 12Q

• from $180,000 11l

Acton, Halton Hills, Milton, Burlington, Waterdown

Tel

west region:

Country Green Homes

Site

Fi Map nd er

6

Builder

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

Si te

# IBC-Inside back cover

89

1

2

3

4

5

6

7

8

9

10

11

12

A

r rD

e

so

Rd W

Co

er

ld na

yn

ol

M

ac Do

Re

ds

St

ke

La

Re

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cc

sh a St or e Rd

rs

E

Rd

St

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Rd

Rd

ne

r

rM

Rd

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pe

W

Br

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Up

W

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12

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ne

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wa

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pe or th m ha rn Bu

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W

No

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on

le

so at W

Br

ap

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1

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Devo

M

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rn

W

Rd

d

Rd

Rd

lR

e

el

n Li

E

tw ar

Ch

4

4

D

G

Ro ya ll R l W in d d

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n Li

Rd

Rd

Bu

Ford Dr

8

ar

e

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lg

Rd

fa

e

Tr a

403

n Li

Oakville

6

C

9

B

ak

rlo

Bu

J

La

2

ke

sh

or

e

Rd

I

Rd

K

24

Rd

d

ush R

Pineb

401

s Dr

Frank

N

8

ro

na

tio

n

P

e Rd

u Aven

t sS dr ew

Main

Cambridge 24

n

Attention Builders - Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

d

eim R

Blenh

An

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

Rd

Elgi

R

vd

Clyde

St.

Q

Bl

ler Rd

Co

d

O

lin Blv

Lang

Hespe

Oakville, Cambridge

h Ave

rdale

St

west region:

Guelp

Beave

n Rd

M

essio

tain Foun

90

ck Rd

le Blo

Midd

Conc

L

s Rd

Myer

St

13

Page No.

2

Treasure Hill Homes

Nautica at Lakeshore Woods

treasurehill.com

•

from $550,000

21 6J

15

Menkes

Millstone On The Park

905-825-3619

•

from $320,000

6-7 3G

Mattamy Homes

The Preserve

mattamyhomes.com •

•

from $360,000

1

4E

Oakville, Cambridge

Price Range

west region:

Tel

Fi M ap nd er

Site

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

# Si te

Builder

91

CHINESE HOME & CONDO GUIDE 網上 參閱

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

各式電子工具都可瀏覧

ChineseHomeGuide.com

7, 2013 八月三日至九月七日 / Aug 3 - Sep

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

Pick Up Your Copy Today or call us for a free copy at 416.626.4889! 程 善公車系統 r 房屋方位與運 夏日室外裝飾 r 大多市全面改 7/25/13 3:11:23 PM 3-2.indd 1

GTA Chinse Front Cover_08031

newhomeguide.ca 92 New home guide GTA | aug 31 - sep 14, 2013

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

communityfocus

Mattamy set to offer new homes in

two Hawthorne Village neighbourhoods location Milton housing type Village Homes, rear lane townhomes, two-storey townhomes and 30- and 36-ft. detached homes contact mattamyhomes.com

94 New home guide GTA | aug 31 - sep 14, 2013

A

s the kids are all set to trundle off to school and a bit of peace and quiet comes to homes all across the country, we have a few moments to relax at home and enjoy a cup of coffee as we reflect on a happy summer and plan for the coming of autumn. And in Mattamy’s incredibly popular community of Hawthorne Village in Milton, plans for the autumn include the opening of two new neighbourhoods so more families can enjoy the many, many advantages of life in this wonderful setting.

In 2000, Mattamy put up a white fence along Derry Road and opened a community named after a historical local resident. Hawthorne Village quickly became the company’s most successful community and remains so to this day.

Hawthorne Village is home to more than 10,000 families and the first neighbourhood now has schools, retail shopping and the benefits of a mature community. And the original community is one of the two ways your family can find a home in Hawthorne Village. The other way can be found in Mattamy’s newest neighbourhood, Hawthorne Village on the Park. So you can choose to live in the original or the newest.

Mattamy will be bringing a new selection of very popular and affordable Village Homes, unique and stylish rear lane townhomes, gracious two-storey townhomes and a wide variety of thoughtfully planned 30- and 36-ft. detached homes, designed for modern family living.

Hawthorne Village on The Park is a tribute to all those wonderful small Ontario towns that always have a park space right in the middle of town.

Hawthorne Village on The Park is a tribute to all those wonderful small Ontario towns that always have a park space right in the middle of town. You’ll find 7.2 hectares of luscious central park space so there’s plenty of room for one and all. In one corner, families could be enjoying a picnic. In another, there’s a pickup game of baseball going on. People are jogging and cycling through the park. Some might just enjoy sitting and listening to music, or reading a good book. Many are just enjoying a nice morning walk with their dogs. Mornings are a lot nicer when you hear the laughter of people enjoying themselves in the park.

There are more than 1,700 families making use of the park and playgrounds in the neighbourhood.

Hawthorne Village is Mattamy’s most honoured community with many awards of distinction including the BILD-GTHBA Community of the Year, the OHBA Project of the Year and the CHBA Community Development of the Year. A lot of these awards were earned based on comments from existing homeowners who have a true pride in the place they call home and the “small town” lifestyle.

Mattamy homes

Hawthorne Village

Since the very beginning, more than a decade ago, Mattamy has been proud to be a part of the fabric of Milton. They are very much involved in the day-to-day life of this charming town and have contributed significantly to the arts and recreational programs in the community, including the Mattamy Theatre in the Milton Centre for the Arts.

Another thing you’ll discover in small towns is that they take great pride in their heritage buildings. There are several heritage buildings right in Hawthorne Village that have been retained for their historical character. Just drive a few minutes into downtown Milton and you’ll see exactly what we mean about the importance of heritage buildings. You’ll also find a great example of small town Ontario living with a pleasant Main Street and lots of cultural and recreational facilities as well as a Saturday morning Farmer’s Market that shuts down the Main Street so people can just stroll casually around and find local and organic fruits and vegetables.

Now Mattamy invites you to become a part of this neighbourhood where life inside the home is well thought out and designed for family comfort and life outside will inspire you with the friendliness of the mature streets and the majesty of the immense park space.

To pre-register for information on these two new Hawthorne Village neighbourhoods, visit mattamyhomes.com aug 31 - sep 14, 2013 | New home guide GTA 95

movingtips

10-point plan

for a safe and smooth move One of the best ways to ensure the move to

your new home goes smoothly is to plan it well in advance. The Canadian Association of Movers (CAM) stresses consumers get an early start, giving them time to find the best mover for them – and to ensure they don’t get caught hiring a rogue mover at the last minute.

Pitfalls to planning poorly or leaving booking until very late are that you risk getting limited choices for movers, unreliable estimates, empty promises and poor service.

Here are 10 points to help ensure a smooth move: DOs 1. DO hire a reputable mover. Check with your provincial government, the Better Business Bureau and/or the Canadian Association of Movers before you contract a mover.

2. DO get three on-site estimates – in writing.

An in-home estimate is a more accurate estimate – and that means fewer disputes later on, during or after the move.

3. DO validate any estimate that is significantly different from the others. Check the mover’s reputation and validate their affiliations.

4. DO read Industry Canada’s Consumer Checklist for Choosing a Moving Company on CAM’s website, mover.net. CAM has important information on moving for consumers.

5. DO ask how your goods are protected against loss or damage and insured while in transit. You may wish to request additional cargo protection that is based on your valuation of your shipment. And always get it in writing.

Pitfalls to planning poorly or leaving booking until very late are that you risk getting limited choices for movers, unreliable estimates, empty promises and poor service.

96 New home guide GTA | aug 31 - sep 14, 2013

DON’Ts 1. DON’T make your decision based on the mover’s advertisement or salesman’s promises. Glossy ads, slick websites and verbal promises won’t ensure a good move. Always get promises in writing.

2. DON’T make your decision based on the lowest price or the company waiving the tax. Low prices are often altered on moving day with additional fees and only a disreputable mover will avoid collecting tax.

3. DON’T allow any company to do an over-the-phone estimate. A phone estimate is not binding unless it is followed up in writing and is often unreliable because the mover does not have all of the necessary information.

4. DON’T accept the references a company provides at face value. References can be a marketing strategy so they should not be your deciding factor.

5. DON’T accept any verbal agreement. A verbal commitment cannot be proven in a dispute. Always get promises in writing. You have a responsibility to protect yourself. Find out about your rights and responsibilities. There are consumer protection laws to protect you, but it’s far easier to get a reputable mover than to try and get a remedy after the move.

Welcome to Living Beautifully ON HAMILTON WEST MOUNTAIN ON HAMILTON WEST MOUNTAIN

AN AN OF OF

EXCLUSIVE COLLECTION EXCLUSIVE COLLECTION CHATEAU INSPIRED CHATEAU INSPIRED

Singles & Semis

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Priced affordably from the low Priced affordably from the low

905.381.4280 905.381.4280

A PEEK INSIDE PARADISE A PEEK INSIDE PARADISE

inthenews

Lowrise prices hit record high while sales remain slow

sold two to three years ago and are not an accurate representation of today's new homes market,” says BILD President and CEO Bryan Tuckey. “Sales activity in 2013 has been low and we will start to see the effect of that in two to three years.”

Tuckey also stressed the importance of differentiating between the new homes market, which consists of new developments sold in pre-construction, and the resale market, which represents existing properties sold by homeowners.

Sales of ground-related housing continued to slide as a result of limited supply and reduced affordability. At 783 sales in July, the low-rise market has fallen 45 per cent below the 10-year average.

Meanwhile, the RealNet New Home Price Index reached a new record in the lowrise sector, bringing the average price of a lowrise home in the GTA to $645,854.

The highrise price index decreased slightly to $430,930 with the price gap hitting a record high of $214,924.

Sales of new homes and condominiums in

the GTA remained low as prices continued to climb at a record pace in the ground-related sector, according to the Building Industry and Land Development Association.

According to RealNet Canada Inc., BILD’s official source for new home market intelligence, new home sales in July totaled the lowest in 10 years while year-to-date sales added to the second-lowest in a decade.

While highrise sales fell 34 per cent below the 10-year average in July, condominium construction across the GTA is at a record high. As of July 31, there are 256 highrise developments – representing 66,126 new homes – currently under construction. More than 17,000 are expected to be completed by year's end.

Part of the sales decline is reduced new inventory as a result of self-discipline by the industry. GTA developers introduced just two new projects into the market in July.

“It’s important to understand that while we are experiencing record-high construction, these homes have been July 2013

Lowrise

Highrise

Total

Region

2011

2012

2013

2011

2012

2013

2011

2012

2013

Durham

176

124

211

4

20

4

180

144

215

Halton

213

112

63

66

38

78

279

150

141

Peel

263

354

223

61

271

68

324

625

291

Toronto

73

42

21

1,070

889

731

1,143

931

752

York

477

209

265

421

186

114

898

395

379

GTA

1,202

841

783

1,622

1,404

995

2,824

2,245

1,778

Jan-July

10,823

9,976

6,851

16,077

12,713

8,451

26,900

22,689

15,302

Source: RealNet Canada Inc. With more than 1,400 members, BILD, formed through the merger of the Greater Toronto Home Builders' Association and Urban Development Institute/Ontario, is the voice of the land development, home building and professional renovation industry in the Greater Toronto Area. BILD is proudly affiliated with the Ontario and Canadian Home Builders' Associations.

Source: Building Industry and Land Development Association 98 New home guide GTA | aug 31 - sep 14, 2013

THE NEXT CHAPTER BEGINS

DRAMATIC NEW DESIGNS COUNTRY GREEN HOMES IS PROUD TO RELEASE NEW DESIGNS OF 2 STOREY BACK TO BACK TOWNS PLUS TRADITIONAL 3 STOREY TOWNS THIS SEPTEMBER AT THE UPTOWNS OF WATERDOWN DON’T MISS OUT PRE-REGISTER NOW AT COUNTRYGREENHOMES.COM COMING SOON SepteMber 2013 AUG 31 - SEP 14, 2013 | NEW HOME GUIDE GTA 99

IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property.

Thatâ&#x20AC;&#x2122;s why we put you right in the middle of the search process.

Search your favourite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

Visit the new real estate section on canpages.ca and start looking for that special place.

Powered by

100 New home guide GTA | aug 31 - sep 14, 2013

Aug 31 - Sept 14, 2013

Showcasing new homes in the GTAâ&#x20AC;&#x2122;s east region

IN THIS SECTION

>> Maps and listings for new-home communities in the east region >> Builder news and the latest in new homes in the east region

31

Wentworth St

Bloor St.

Phillip Murr

Bloor St

Gibb St

Wentworth St

King St W Bond St W

52 91 14

401

Adelaide Ave

Manning Rd

38

47 Bayly St E

44 48 401

42 45

Westney Rd S

401

Granite Court

6

Spruce Hill

K

J

I

H

G

F

E

D

C

B

A

D

ou

ug

em

gst

on

46 Rd

Whites Rd

Ro

Glenanna Rd

Appleview Rd

Kin

Altona Rd

Liverpool Rd

50

Fairport Rd

Stroud's

Dixie Rd

Brock Rd Sandy Beach

Highview Rd

Brock Rd R aks rO o j Ma Valley Farm

Montgomery F

Squires Beach Rd

Dr Notion Rd

nt

Kingston Rd

30

Magill 92Dr

28

Church St S

a

ew

riv

Lak

Sheppard Ave

Rossland Rd

9

Delaney Dr

41 Rossland Rd

Pickering Beach Rd

eD

Riverside

3 Concession

Shoal Point Rd

Finley Ave

51

Altona Rd

Ajax-Whitby

Harwood Ave

Finch Ave

32 Sideline

Bv

To wn of Ajax

43 90

32 Sideline

McQuay

Rosebank Rd

4 Concession

North Rd

Gordon St

Cochrane St

Liverpool Rd

Whites Rd

North Rd

Brock St S Henry St

54 66

4 Concession

5 Concession

7

Brock Rd

1

30 Sideline

City of Pickering

7 Conncession

9 Concession

2

28 Sideline

King S

Adelaide Ave

29

17

Rossland Rd

7

7

16

Taunton Rd W

23

4

Taunton Rd E

Ravenscroft

16 Sideline

Whitevale Rd

5 4 3

24 Sideline

Blair St

15

55

Westney Rd N

Church St N

20 Sideline

Olive Ave

Beatrice St

50

8

13 37

Salem Rd

Greenwood Rd

Brock Rd

Hopkins St

Dundas St E

To wn of W hitb y Salem Rd

16 Sideline

Thornton Rd

Kendalwood R

Audley Rd

Paddock Rd

16 Sideline Brock Rd Cen tral St

Stevenson Rd

Townline Rd

Audley Rd

7

7 Concession

9 Concession

8 Concession

12 Sideline

Brock St N

Lakeridge Rd

Fifth Conces

7

Baldwin St S

4 Sideline R

6 Sideline

Park Rd S

Park Rd S

Garden St Blair St

Garden St

Coronation R

6 Concession

4 Sideline

4 Sideline R

Dryden Bv

Conlin Rd

Halls Rd N

Anderson St

Ritson Rd S tS eS co Sim

Centre St.

Garrard Rd

Country Lane

8

Columbus Rd

Brawley Rd

Country Lane

Rossland/Winchester R

Myrtle Rd W

Cochrane

10

26

60 3

21

18

22

68

46

2

53

Village of Bro oklin

11 10

68

Cedarbrook T

Ashburn Rd

9

Thickson Rd

Baldwin St N

Duffs Rd

6

Taunton Rd W

Church St E

Thornton Rd

Wilson Rd S

Pickering, Ajax, Whitby, Oshawa

tN

Garrard Rd

Garrard Rd

Lake Ridge R

east region:

Mary St N

eS

co

Sim

Harmony Rd S

Central Park

Stevenson Rd

12

102

40

34

Conlin Rd

City of Oshawa

8 Concession

13 12

Stevenson Rd

Ritson Rd N

tE

Attention Builders Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

* Due to scale restrictions locators are approximate.

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

19 18 17 15 14

Wilson Rd N

wS

devie

Gran

ly

Harmony Rd N

Grandeview S

Bay

16

Townline Rd. Grandeview S

Page No.

2

Brookfield Homes

Hills of Harrowsmith

Brook-Hill.ca

•

from $300,000

17 15G

3

Great Gulf Homes

Stonecrest

greatgulf.com

•

•

from $295,000

107 15F

4

Menkes

Somerset

905-428-0500

•

from $480,000

6-7 7G

8

Lakeview Homes

The Forest of Lyndebrook

416-746-1234

•

from $420,000

20 10F

9

Stafford Homes

Elements Townhomes

elementsajax.com

from $390,000

109 7H

6

Emery Homes

Town Central

1-877-953-6379

•

from $350,000 4J

7

Highmark Homes

Triumph

whitbytriumph.ca •

from $350,000 10G

13 Liza Communities

Folkstone

1-877-365-9555

•

•

from $335,000 10G

21 Great Gulf Homes

Grandview Oshawa

1-888-579-7235

•

from $334,000 14F

31 Preston Homes

Prestonvale Heights

905-432-2800

•

•

from $350,000 15J

34 Tribute Communities

The Neighbourhoods of Park Ridge 905-723-2344

•

from $339,000 15G

45 Sundial Homes Limited

Mulberry Meadows

905-427-8255

•

from $273,000 6J

54 Baycliffe Homes

The Gates of Whitby

905-668-9828

•

•

from $250,000 9G

60 greycrest homes

the fields of conlin

905-725-4539

•

from $310,000 15G

66 Monarch Corporation

Tran Quility

monarchgroup.net •

from $520,000 7G

67 Midhaven Homes

Breeze

1-877-773-6888

•

•

from $300,000 15F

68 Storybook Homes

Brookstone Estates

905-438-9516

•

from $1050,000 11B

90 LeBovic Homes

Old Taunton in Pickering

905-428-3434

•

91 Sundance Homes

The towns of nichol green phase 1

905-441-3312

•

from $260,000 11J

92 Glen Rouge Homes

The Cornerstone

905-239-9777

•

from $570,000

• • 5H

6I

Pickering, Ajax, Whitby, Oshawa

Price Range

east region:

Tel

M Fi a nd p er

Site

et a Se ch m ed To i w Co nho nd m o e

Builder

D

# Si te

103

Mill St

Parkhill Rd.

7B

7

Peterborough

7

24 16

t.

rS

te Wa

7

134

Durham 23

St

7

7

Bloor St.

Hwy 2

Oke

Rd

33

Nash Rd

Angelina St North

9

Lindsay St. North

Major St.

Lorne St.

Lindsay

Courtice

King St.

Port Perry

Hwy #7

Kent St

8

Harmony Rd

Hw Mya2rsh

20

32

401 14

Bloor St.

LAKE

ONTARIO

.

St. Ridout W al to

n

St .

To Belleville Jocalyn St

401

Lake Ontario

Port Hope

Rd.

t. H wy 2

gS

Kin

Concession St

Baseline Rd. E

37

Concession Rd 3

13

Bowmanville/ Newcastle

21

12

Hwy

39

8

401

14

16

7

7 12 7A

Lake Scugog

18

Dr

18

ill Mc G

17

Lake Scugog

15

LAKE ON TA

Port Hope

1

MacDonald Cartier Freeway

106

RIO

35

29

5

115

19

Cobourg

Hwy 2 3

Hwy 401

Reg. Rd. 74

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

17

To Toronto

Hwy

Nash Rd

y2

St. Hw

Baseline Rd. W

26

King

48

45

11

Mearns

10

.

28

115

9 31 Lansdowne Ave.

7A

7

35

28

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

ach

Re

4

Colborne St

35

7

Rd

K

J

I

H

G

F

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19

7 y4 30 Hw Goodwood Rd

Centre

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Uxbridge

15

Brock Rd To

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Che Monaghan Rd.

C

Brock St

St

to

ro n

Reg Rd 8

Elgin Park

Durham Reg

Main St

B

Hwy 134

Liberty St. N Liberty St. S

6

West Townline Rd. N.

5

le Rd

4

Varcoe Rd Darlington Blvd

n io Un

3

.

St. Joseph's Rd onva

Waverly Rd

Lambs Rd Hains St

2

t.

1

Hwy 28

Av e Trulls Rd

Regional Rd 57

A

Reg. Rd 34 Courtice Rd

McLaughlin Rd ille Rd Janetv

Uxbridge, Lindsay, Bowmanville/Newcastle, Courtice, Peterborough, Port Hope, Cobourg, Port Perry

Reg. Rd. 18

east region:

y2

Prest

to

Hancock Rd

Mill St.

oS tari

Hwy #12 (From Whitby)

ron To

On

Simcoe St. (From Oshawa)

w

y.

4 H

104 Hw

5

• •

Page No.

48 Brookfield Homes

BrookHill

905-697-0765

•

1

Mason Homes

Port Hope Lakeside Village

905-885-6565

•

from $229,000 12K

7

Brookfield Homes

Foxtrail

brookfieldhomes.ca •

from $390,000 5B

8

Kaitlin Group Ltd.

Port of Newcastle

1-800-305-6849

•

8

Kylemore Communities

Port of Newcastle

905-987-5146

•

from $479,000 14E

8

Storybook Homes

Bond Head Estates

905-438-9516

•

from $850,000 14E

9

Parkview Homes

Harmony

705-748-4663

14 Rice Developments

Willmot Creek On The Lake

905-697-5806

•

from $225,000 11D

16 Parkview Homes

Foxmeadow Estates

705-748-2828

•

from $208,000 3H

18 B.G. Schickedanz

Lake Scugog Estates

1-888-894-9888

•

from $330,000 17B

20 Geranium Homes

Verandas

905-885-0555

•

from $266,000 10I

24 Parkview Homes

Thompson Bay Estates

705-748-2828

•

from $217,000 3H

26 Kaitlin Group Ltd.

Aspen Heights

905-697-0513

• from $165,000 10C

26 Kaitlin Group Ltd.

Condominiums at Clarington Centre 905-697-4513

• from $210,000 10c

26 Kaitlin Group Ltd.

Country Classics

1-866-514-3573

•

•

from $300,000 10c

30 Empire Communities

Estates of Wyndance

905-649-8197

•

from $900,000 3e

31 Parkview Homes

Foxmeadows Estates

705-741-1004

34 Carrington Homes

Woodlands of Upper Courtice

905-787-0963

•

from $260,000

35 Mason Homes

Parklands

1-866-443-7900

•

from $238,000 3H

39 H&R Developments

Gracefields

hr-newhomes.com •

from $322,000 14B

39 Thornridge Homes

Gracefields

thornridgehomes.com •

from $290,000 14B

45 Highcastle Homes

Northglen

northglen.ca

•

45 Delpark Homes

Northglen

905-419-7222

•

45 Esquire Homes

Northglen

48 Jeffery Homes 72 Vandyk Communities

from $342,000

17 10B

• • from $260,000 14E

• from $178,000

• • from $286,000

2I

3I 9I

•

from $221,000 11B

• •

from $221,000 11B

northglen.ca

from $245,000 11B

BrookHill

905-697-0765

•

• •

from $300,000 10B

West Park Village

vandykcommunities.com •

• •

from $210,000

3I

Uxbridge, Lindsay, Bowmanville/Newcastle, Courtice, Peterborough, Port Hope, Cobourg, Port Perry

Price Range

east region:

Tel.

Fi M ap nd er

Builder Site

De ta Se ch m ed To i w n Co hom nd e o

# Si te

105

inthenews

Tarion wins

excellence in governance award Other finalists in the category include it has won the Excellence in Governance Award for best Astral Media, Mountain Equipment approach to board and committee support from the Ca- Co-op, Suncor, and VIA Rail Canada. nadian Society of Corporate Secretaries.

The awards were presented at the CanaThe award is based on the processes and procedures dian Society of Corporate Secretaries put in place to ensure the most effective operation of annual corporate governance conference the board and maximization of governance and strate- in Halifax on Aug. 18, 2013. gic oversight functions. The panel of expert judges “I’ve always been supportive and proud looked at things like board and CEO evaluations, direc- of Tarion’s governance policies and protor education, mandate reviews, succession planning, cedures, but to be recognized as leader on-boarding procedures, talent management and man- by a panel of expert judges, is truly an agement of board materials. honour,” says Tarion president and CEO Howard Bogach.

Tarion Warranty Corp. is a private corporation established in 1976 to serve as the Regulator of the new home building industry in Ontario. In this role, Tarion licenses all new home and condominium builders. New home builders provide purchasers with warranty coverage that is guaranteed by Tarion.

Tarion also establishes minimum time standards for after-sales service, and conciliates issues between homeowners and builders. As of the end of 2012, more than 381,000 homes in Ontario are protected under the warranty.

Tarion Warranty Corp. is proud to announce

“I’ve always been supportive and proud of Tarion’s governance policies and procedures, but to be recognized as leader by a panel of expert judges, is truly an honour,” says Tarion president and CEO Howard Bogach.

106 New home guide GTA | aug 31 - sep 14, 2013

OSHAWA

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108 New home guide GTA | aug 31 - sep 14, 2013

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aug 31 - sep 14, 2013 | New home guide GTA 109

Model Home Compliments of Monarch Group www.monarchgroup.net

Strawberry Fields Community in Caledon. Where life comes naturally sweetened. Monarch Corporation’s luxurious Autumn Harvest model home is 3,613 sq. ft.

august2013

monarch group has been featured as “model home of the month” as seen in the new home guide model home calendar

homebuyersâ&#x20AC;&#x2122;help

HomeBuyersâ&#x20AC;&#x2122; Resource Section You love the home, see what you can afford!

Compare mortgage rates for your best deal alculate your mortgage payments using the C mortgage payment calculation chart

aug 31 - sep 14, 2013 | New home guide GTA 111

Calculate your mortgage payments interest rate

amortization period

chart figure

example: 5%

25 years

5.82

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

125

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

01

05

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

Multiply this figure by the amount you need to borrow.

Divide by 1,000.

02

06

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

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

03

07

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

04

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice.

(Most first-time buyers take the 25-year amortization.)

112 New home guide GTA | aug 31 - sep 14, 2013

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

Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less.

Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

monthly payment

$

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

ATB Financial 2.6 4 2.94 2.89 2.99 3.29

6.30op 6.30op 6.50op Alterna Svgs/Alterna Bk 2.85 4 3.05 3.09 3.09 3.24

6.30op 6.30op Bank of Montreal 3.1 4 3.14 3.14 3.75 4.54

6.30op 6.30op Bank of Nova Scotia 3 4.55 3.75 2.79 3.99 4.39

6.45op 6.50op Canadian Western Bank 4 3.14 3.14 3.75 4.54

6.45op 6.30op CIBC 3 3.09 3.14 3.19 3.59

6.70op 6.35op HSBC Bank Canada 3 4.45 2.7 3.95 3.13 4.99

6.20op 6.35op ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 ING Direct 2.75 3 3.09 3.09 3.29 Laurentian Bank n/a 4.4 3.14 3.19 3.95 4.74

6.70op 6.30op Manulife Bank 3 4.45 3 3.25 3.3 3.4

4.00op MonCana Bank 3.59 3.65 3.69 3.69 National Bank n/a 4.4 3.14 3.14 3.95 4.74

6.70op 6.30op Presidentâ&#x20AC;&#x2122;s Choice Finan 3 3.15 3.49 3.69 Royal Bank 3 4 3.14 3.14 3.95 3.59

6.30op 6.30op TD Canada Trust 3 3.09 3.14 3.65 3.29

6.30op

5 years 3.79 3.31 3.79 3.79 5.14 3.89 3.49 3.89 3.79 5.34 3.49 3.79 5.34 3.99 3.89 3.79

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

Home Trust Company 2.7 Investors Group Trust n/a

MTCC 3

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.19 3.65 4.54 3.25 3.6 3.9 4.5 6.30op 2.89 2.89 3.09 3.24 3.14 3.14 3.75 4.54 6.30op 3.75 2.89 3.99 3.29 6.50op

5.14 4.95 3.54 5.14 4.99

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U. 4

3.01 3.1 3.33 3.65 3.99 6.25op

Comtech Credit Union 2.79 6.6

8.40op First National Fin. LP 3.95 FirstOntario C.U. 2.7

6.34op London Life n/a 4.2

6.50op Luminus Financial 2.95

MCAP 2.7

Meridian Credit Union 2.85 4.45

Parama Credit Union 2.85 Steinbach Credit Union 2.5 Teachers Credit Union 4 4.45

6.30op

2.99 3.25 3.29 3.19 9.00op 2.99 2.79 3.09 3.24 3.09 3.14 3.34 3.19 6.34op 3.14 3.14 3.75 4.54 6.30op 2.96 2.96 2.95 3.05 3.95 3.6 3.95 4.35 4.89 7.00op 3.1 3.14 3.55 3.19 6.30op 2.9 2.69 3.1 3.25 2.5 2.7 2.9 3.05 3.1 3.09 3.09 3.19 6.50op

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 August 26, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

114 New home guide GTA | aug 31 - sep 14, 2013

3.14 3.59 3.39 5.14 3.35 5.14 3.29 3.25 3.25 3.29

hot sheet GTA

BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com.

Please say you saw it in New Home Guide!

new openings Averton Homes Mount Albert – Victoria Highlands Now open – community of bungalows and two-storey homes. victoriahighlands.com Arista/Fieldgate/Forest Hill/ Madison Homes Richmond Hill – Jefferson Forest Priority preview now open for these townhomes and a select number of singles. jeffersonforest.ca Arista Homes North York – Goddard on the Valley Grand opening now on for these semis and select number of detached homes. aristahomes.com Brookfield Homes/ Orchard Ridge Homes Alliston – Treetops Model homes now open for this masterplanned community right next door to the Nottawasaga Resort. treetopslife.ca Arista/Fieldgate/Paradise/Starlane Unionville – Upper Unionville Now open – urban/lane/luxury townhomes, semis and 34-, 38- and 42-ft. singles. livingatupperunionville.com Fieldgate Homes Brampton – Valleylands on Chinguacousy Grand opening – freehold towns, 28-ft. linked singles, 38- and 45-ft. detached singles. fieldgatehomes.com Acorn Homes Richmond Hill – Oak Knoll Grand opening on now for distinctive 28- and 38-ft. single-detached homes backing onto nature. acornhomes.ca Menkes North York – Bloom Park Towns Now open – townhomes at Bathurst St.and Finch Ave. menkes.com Geranium Homes Stouffville – Cardinal Point Grand opening of two new two-storey model homes in this master-planned ravine community. geraniumhomes.com

Mattamy Homes Brampton – Mount Pleasant North Now open – this selection of three-storey townhomes and detached homes on 30-, 38- and 45-ft. lots. mattamyhomes.com Fieldgate Homes Richmond Hill – The Humberlands Grand opening – 30-, 36- and 50-ft. singles close to parks, schools, shopping and more. fieldgatehomes.com Ballymore Homes/Briarwood Homes Tottenham – Mill Street Village Grand opening – towns, semis and detached homes on 33- and 40-ft. lots. millstreethomes.com Aspen Ridge Homes & Great Gulf Homes King City – King Oaks Now open – two magnificent designerfurnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine. aspenridgehomes.com & greatgulfhomes.com Aspen Ridge Homes Richmond Hill – Kettle Lakes Club Now open in Richmond Hill – a collection of executive townhomes on a protected ravine. aspenridgehomes.com National Homes Forest Hill – The Churchill Collection Now open at Spadina and St. Clair, refined townhome residences. churchillcollection.ca Brookfield Homes Mono – Fieldstone Now open – single-family homes on 60- and 70-ft. homesites. myfieldstone.ca Menkes Georgetown – The Enclaves of Upper Canada Now previewing – semi-links and detached homes in Georgetown. menkes.com Monarch Corporation Toronto – Birkdale Now available – townhomes at Ellesmere Road and Midland Avenue. monarchgroup.net Primont Homes Brampton – Centretown Now open – townhome and single designs. primonthomes.com Monarch Corporation Kleinburg – Kleinburg Crown Estates Now open – 42- and 50-ft. singles to Major Mackenzie Rd. and Hwy. 27. monarchgroup.net Rosehaven Homes Kleinburg – Kleinburg Heritage Estates Now open – homes of distinction on unique 60-to 70-ft. lots. kleinburgheritageestates.com Rosehaven Homes Oakville – The Randall Residences Now open – ultra-luxurious condominium residences in downtown Oakville. therandallresidences.com

new RELEASES FarSight Homes Alliston – Greenfields Phase Two, new lot release of detached single-family and detached bungalow plus loft homes on 32- and 40-ft. lots. farsight.ca Rosehaven Homes & Townwood Homes Brampton – Mount Pleasant New release of freehold towns, attached singles and detached homes on 30-, 38-, 41- and 45-ft. lots. lovemountpleasant.com Mattamy Homes Oakville – The Preserve A new release of Village Homes and 34-, 38and 45-ft. detached homes, many on a private crescent. mattamyhomes.com Forest Hill Homes & Madison Homes Markham – Cornell Rouge New release – freehold towns and singles on 30-, 36- and 40-ft. lots with attached garages. Eight models now open. cornellrouge.com Ballantry Homes Brampton – Spring Valley Village New release of semi-detached and detached homes surrounded by valley lands. ballantryhomes.com Tribute Communities Oshawa – Park Ridge New 40-, 50- and never before seen 36-ft. designs on extra deep lots. mytribute.ca Madison Homes Markham – Cornell Rouge New release of semis and detached homes on 30-, 36- and 40-ft. lots. madisonhomes.ca Aspen Ridge Homes Markham – Upper Cornell New release now available – semis and detached homes on 30-ft. lots. aspenridgehomes.com Heathwood Homes Milton – The Village At Traditions Special new release pricing in this final phase, including only eight singles. heathwood.com CountryWide Homes Markham – Wismer Commons New release of singles and towns in this fully established community. countrywidehomes.ca Fieldgate Homes & Arista Homes Vaughan – Vaughan Valley Estates Spring lot release of 41-, 50-, 60and 80-ft. singles. fieldgatehomes.com Great Gulf Homes Bradford – Summerlyn Village Limited edition detached homes on premium conservation lots. greatgulf.com

aug 31 - sep 14, 2013 | New home guide GTA 115

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Madison Homes Richmond Hill – Jefferson Forest Grand opening coming soon! Register now for a collection of detached homes and freehold towns. madisonhomes.ca

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BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com.

Please say you saw it in New Home Guide!

preview registration Arista/Fieldgate/Paradise Kleinburg – Impressions Pre-construction savings for these freehold townhomes and semis, and 30-, 38- and 44-ft. detached homes. impressionskleinburg.com

Great Gulf Brampton – Mount Pleasant Preview opening at Bovaird and Creditview – full depth lots with unique standard features. greatgulf.com

Fieldgate Homes Markham – Victoria Manor Coming soon – register now for luxury singles on 40-ft. lots in a prestigious neighbourhood at Woodbine and Major Mackenzie. fieldgatehomes.com

CountryWide Homes Newmarket – Woodland Hills Coming early fall – towns and singles, some with court, ravine and pie-shaped lots. countrywidehomes.ca

Heathwood Homes Richmond Hill – Hampshire Mews Now previewing in Richmond Hill – an enclave of urban towns on Yonge St. heathwood.com

Brookfield Homes Tottenham – Willow Glen Register now for these towns and singles from the $200’s. brookfieldhomes.ca

Ballantry Homes Oakville – OakPark Register now for this collection of urban townhomes and midrise condominiums, coming soon to Oakville. ballantryhomes.com

Bremont Homes Brampton – Crown of Creditview and Nobleton An elite collection of estate homes in two private enclaves, from the $700’s. bremonthomes.com Treasure Hill Homes Richmond Hill – Urbantowns at Bayview Coming soon – register now freehold townhomes at Bayview and Hwy. 7. treasurehills.com

Greenpark/Starlane Mississauga – Churchill Woods Register now for these towns and semis in one of Mississauga’s newest communities. churchillwoods.ca

Treasure Hill Homes Aurora – Aurora Woods Grand opening celebration – 40- and 45-ft. luxury singles at Bayview Avenue and Vandorf Side Road. treasurehills.com

CountryWide Homes Bradford – DreamFields Register now for priority opportunity of singles and towns coming soon. countrywidehomes.ca

Highcastle/Delpark/Esquire Bowmanville – Northglen Pre-construction pricing on bungalows, singles, towns and semis. northglen.ca

Mosaik Homes Brampton – Castlemore Crossing & The Estates Of Credit Ridge Coming soon – semis and detached homes in two premier communities. mosaikhomes.com

CountryWide/Greenpark/ Royalcliff/Starlane/Townwood Brampton – Gates Of Countryside Register now for all new phase of semis and 38- and 47-ft. singles in an established, family-first neighbourhood. gatesofcountryside.ca

Ballantry Homes Oakville – Oak Park Register now for this collection of urban townhomes and midrise condominiums. ballantryhomes.com Mattamy Homes Milton – Hawthorne Village On The Escarpment Coming soon, exclusive new townhome designs on the Escarpment. mattamyhomes.com Menkes Etobicoke – Humber Mews Coming soon – townhomes at Browns Line and Evans Ave. menkes.com

Empire Communities Brampton – Lakeside Register now for these townhomes, semi-detached and detached homes. empirelakeside.com

National Homes Bradford – The Forest Coming soon – 36- and 40-ft. detached homes up to 3,400 sq. ft., with model homes decorated by Pottery Barn. nationalhomes.com Delpark Homes Sutton – Cedar Ridge Coming soon – register now for towns and singles from the upper $200’s. delparkhomes.ca Brookfield Homes Uxbridge – Foxtrail Register now for bungalow townhomes from the high $300’s. brookfieldhomes.ca Lakeview Homes Whitby – Forest of Lyndebrook Coming soon – Phase 3, 40-ft. traditional detached homes in Baldwin (Brock), north of Taunton. lakeviewhomesinc.com Beaverhall Homes Milton – Forestwood in Milton Now previewing in Milton – semi-towns and singles in a sought-after location. beaverhall.com

Oskar Group/Ashley Park Maple – Le Sedici Villette A limited offering of three-storey executive townhomes up to 2,400-sq.-ft. lesedici.com

Marydel Homes Beaverton – Seven Meadows Coming soon to Beaverton – enjoy smalltown living in this collection of detached bungalows and two-storey homes. marydelhomes.com

Tribute Communities Oshawa – U.C. Register now for this new master-planned community in north Oshawa. mytribute.ca

Amacon Mississauga – The Towns at Parkside Village Register now for these townhomes starting from the mid $500’s. thetowns.ca

Monarch Corporation Ajax Coming soon to Ajax – 40-ft. designs.

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Geranium Homes Stouffville – Uptownes at Cardinal Point Coming soon to Cardinal Point – loftinspired urban towns. geraniumhomes.com

aug 31 - sep 14, 2013 | New home guide GTA 117

advertiserindex Acorn Homes - Oak Knoll

Arista Homes - Goddard on the valley

Arista Homes - Jefferson Forest

Arista Homes - Vaughan Valley Estates

75

30-31

41

Delpark Homes - Cedar Ridge

72

Esquire Homes - Corporate

79

Family of Magazines - Promo

116

Fieldgate Homes - BlueSky Stouffville

Insert & 25

IFC

Fieldgate Homes - IMPRESSIONS

Insert & 25

Aspen Ridge Homes - Upper Cornell

1

Fieldgate Homes - Jefferson Forest

41

Ballantry Homes - Cornell

5

Fieldgate Homes - Potterâ&#x20AC;&#x2122;s Bend

Insert & 25

Ballantry Homes - Spring Valley Village

5

Fieldgate Homes - Rivers Edge

Insert & 25

Ballantry Homes - The Neighbourhoods of OAK PARK

5

Fieldgate Homes - Upper Unionville

Briarwood Homes - Mill Street Village

67

Fieldgate Homes - The Humberlands

Insert & 25

Brookfield Homes - BrookHill

17

Fieldgate Homes - The New U

Insert & 25

Brookfield Homes - Fieldstone

17

Fieldgate Homes - Valley Lands

Insert & 25

Aspen Ridge Homes - Corporate

Brookfield Homes - Grand Central

36-37

17 & 66

Fieldgate Homes - Vaughan Valley Estates

Brookfield Homes - Hills of Harrowsmith

17

Fieldgate Homes - Victoria Manor

Brookfield Homes - Pathways

17

Forest Hill Homes - Cornell Rouge

Brookfield Homes - Willow Glen Tottenham

17

Forest Hill Homes - Jefferson Forest

Canpages - Promo

100

Geranium Homes - Uptowns at Cardinal Point

43

25, 36-37 & Insert

Insert & 25

35 & 71

41

22-23

Chinese Home & Condo Guide - Promo

92

Grand Alarms - Grand Alarms

53

Country Green Homes - The Uptowns of waterdown

99

Great Gulf Homes - Mount Pleasant

93

Decade Homes - Yorkdale Village

73

Great Gulf Homes - Stonecrest

118 New home guide GTA | aug 31 - sep 14, 2013

107

Greenpark Homes - Churchill Woods

27

Monarch Corporation - The Village of Southfields

Heathwood Homes - Hampshire Mews

49

National Homes - The Churchill Collection in Forest Hill

18-19

Lakeview Homes - Greenbrook Village

20

National Homes - The Forest

18-19

Lakeview Homes - The Forest of Lyndebrook

20

Plaza Premium Lounge - Promo

40

Lifestyle Communities - Promo

82

Primont Homes - Castlemore

13

11 & 35

Primont Homes - Centretown

39

Madison Homes - Cornell Rouge

IBC

Madison Homes - Greensborough

11

Primont Homes - Corporate

12

Madison Homes - Jefferson Forest

41

Primont Homes - Harmony

13

Madison Homes - Thornhill

11

Primont Homes - Heirloom in Markham

13

Marydel Homes - Seven Meadows

81

Primont Homes - Renaissance Townes

39

Rosehaven Homes - Corporate

29

51

Mattamy Homes - Hawthorne Village

8-9 & BC

Menkes - Bloom Park Towns

6-7

Schwarz Law LLP - Barristers & Solicitors

Menkes - Dwell city town

6-7

Shopping Guide - Promo

Menkes - Humber Mews

6-7

Spallacci Homes - Eden Park

Menkes - Millstone On The Park

6-7

Stafford Homes - Elements Townhomes

Menkes - Somerset

6-7

Starlane Home Corporation - BlueSky Stouffville

45

Menkes - The Enclaves of Upper Canada

6-7

Starlane Home Corporation - Churchill Woods

27

Monarch Corporation - Corporate

IBC

Treasure Hill Homes - Nautica at Lakeshore Woods

21

Monarch Corporation - Model Home of the Month

110

Tribute Communities - UC

15

108

97

109

aug 31 - sep 14, 2013 | New home guide GTA 119

fundamentallyspeaking

Wayne Karl is an award-winning writer and editor with experience in real estate and business.

In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@wall2wallmedia.com or follow him on Twitter at Twitter.com/WayneKarl

Preparing for higher rates The days of ultra low interest rates may be coming to an end

by Wayne Karl

Here are some tips to consider: Larger down payment: The larger down payment you have when buying a home, the smaller mortgage you require and the less interest you pay over the life of the mortgage.

And if you put down more than 20 per cent, you also avoid mortgage default insurance.

Shorter amortization: The shorter the few days following – Sept. 4, to be exact – the Bank of amortization, the less you pay in interest.

Canada is due to make its latest interest rate announcement. Even if the BoC doesn’t move its influential over- Stress-test: Test your finances using a night target rate from one per cent, where it has been for mortgage payment based on a higher intertwo full years, the accompanying message should be pre- est rate to make sure you can absorb higher dictably stern: brace yourself for rising rates. payments if rates rise.

Indeed, we’ve been spoiled by a low rate environment for the better part of five years. And even though many Mortgage prepayments: Prepaying when experts still don’t see rates rising notably until into next you can – weekly or bi-weekly instead of year and maybe 2015 – pointing to tenuous economic monthly – will save you thousands in interbellwethers such as spotty est over the life of your mortgage.

Prospective homebuyers or employment and wage existing homeowners, then, growth, and concerns about The mortgage market is a complex beast, might want to consider international economies – and as a prospective homebuyer, these are ‘stress-testing’ your finances there’s reason to believe the not lessons you’re going to learn overnight – nor do you likely want to. You’re focused now, rather than wait for tide is turning.

To wit: BMO Bank of on saving a down payment, getting your rate increases.

Montreal and RBC Royal finances in order, searching potential neighBank have both increased their mortgage lending rates bourhoods, choosing a home and, when in the last couple weeks, mostly for fixed rate products. buying new, selecting interior finishings.

Don’t be surprised if others follow suit, and the warnings But also spend as much time as necessary from the BoC and elsewhere continue. to find a broker or banker you trust and who Prospective homebuyers or existing homeowners, then, knows their business. More so than in any might want to consider preparing your finances now, rather other area of homebuying, you’re going to than wait for rate increases. rely on their advice – now more than ever. the cover date of this issue is aug. 31, and a

120 New home guide GTA | aug 31 - sep 14, 2013

Mortgage payment calculation chart %

Amortization Periods

Interest Rates

10 years

15 years

20 years

25 years

30 Years

3.00%

9.65

6.90

5.54

4.73

4.21

3.25%

9.76

7.02

5.66

4.86

4.34

3.50%

9.88

7.14

5.79

4.99

4.48

3.75%

9.99

7.26

5.91

5.13

4.61

4.00%

10.11

7.38

6.04

5.26

4.76 4.90

4.25%

10.23

7.50

6.17

5.40

4.50%

10.34

7.63

6.30

5.53

5.04

4.75%

10.46

7.75

6.44

5.67

5.19 5.34

5.00%

10.58

7.88

6.57

5.82

5.25%

10.70

8.01

6.74

5.96

5.49

5.50%

10.82

8.14

6.85

6.10

5.64

5.75%

10.94

8.27

6.98

6.25

5.79

6.00%

11.07

8.40

7.12

6.40

5.95

6.25%

11.19

8.53

7.26

6.55

6.11

6.50%

11.31

8.66

7.41

6.70

6.26

6.75%

11.43

8.80

7.55

6.85

6.42

7.00%

11.56

8.93

7.69

7.00

6.59

7.25%

11.68

9.07

7.84

7.16

6.75

7.50%

11.81

9.21

7.99

7.32

6.91

7.75%

11.94

9.34

8.14

7.47

7.08

8.00%

12.06

9.48

8.28

7.63

7.25

8.25%

12.19

9.62

8.44

7.79

7.42

8.50%

12.32

9.76

8.59

7.95

7.59

8.75%

12.45

9.90

8.74

8.12

7.76

9.00%

12.58

10.05

8.86

8.28

7.93

9.25%

12.71

10.19

9.05

8.45

8.10

9.50%

12.84

10.33

9.20

8.62

8.28

9.75%

12.97

10.48

9.36

8.78

8.45

10.00%

13.10

10.63

9.52

8.95

8.63

10.25%

13.24

10.77

9.68

9.12

8.80

10.50%

13.37

10.92

9.84

9.29

8.98

10.75%

13.50

11.06

10.00

9.46

9.16

11.00%

13.64

11.22

10.16

9.63

9.34

11.25%

13.77

11.36

10.32

9.80

9.52

11.50%

13.91

11.52

10.49

9.97

9.70

11.75%

14.04

11.66

10.65

10.15

9.88

12.00%

14.18

11.82

10.81

10.32

10.06

12.25%

14.32

11.97

10.98

10.49

10.25

12.50%

14.46

12.13

11.15

10.67

10.43

12.75%

14.59

12.28

11.31

10.85

10.61

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 aug 31 - sep 14, 2013 | New home guide GTA 113

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