GTA New Home Guide - Sept 24, 2016

SEPT 24 - OCT 8, 2016 VOLUME 24, ISSUE 17, FREE

GTA EDITION

NEW RELEASE UNDERWAY AT Fieldgate Homes’ Blue Sky in Stouffville

See page 24 for more details

INSIDE THIS ISSUE

WHY NEW HOME WARRANTIES IN ONTARIO ARE TOPS IN CANADA

GIVING BACK TO THE COMMUNITIES WE CREATE

5 THINGS TO LOOK FOR WHEN BUYING A HOME

NOW OPEN. Stylish Modern Townhomes across from the Maple GO.

GO DOWNTOWN IN 34 MINUTES.

oduction Artist:

Proofreader:

Creative Director:

Account Manager:

Production Manager:

NOW OPEN BRAMPTON Cleave View Estate- Presentation Centre 905.216.5155 MAPLE Chelsea- Presentation Centre & Model Homes 289.553.3147 TORONTO Scenic on Eglinton - Presentation Centre & Model Suites 416.805.1781 TORONTO Studio - Presentation Centre & Model Suite 647.352.7736 TORONTO The Jack - Presentation Centre 416.203.7034 MORE INFO AT aspenridgehomes.com

ASPIRE TO MAPLE.

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Chelsea is ideally located across from the

BRAMPTON Mayfield Village

Maple GO, with easy access to Highway 400 and within minutes of shopping centres,

KESWICK Simcoe Landing Phase 2

entertainment complexes, restaurants, golf courses, parks and more.

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289.553.3147

2016-09-12 3:47 PM

contents SEPT 24 - OCT 8, 2016 | VOLUME 24 ISSUE 17

24

ON THE COVER

Fieldgate Homes Register for the new release at Blue Sky in Stouffville

+ online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

MAPS

neighbourhood profile

30 Mattamy Homes

64 Unionville

A continuing success story of communities across GTA

34 Menkes Developments

LEED-certified model home in Georgetown for sale

40 Geranium Homes

WITH

DYNAMIC

property profiles

LOOK FOR THE CIRCLE

Innovative ownership opportunity in Stouffville

48 Andrin Homes

New 26-ft. homes at Country Lane in Whitby

Thriving heritage town a sought-after destination

trending

18

OHBA

OHBA elects Neil Rodgers as its 50th President

20 Homebuying

5 things to look for – and 5 to avoid – when buying a home

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advice

56

10

BILD Report

Giving back to the communities we create

by Bryan Tuckey

12

Tarion Report

Why Ontario’s new home warranty is tops in Canada

by Howard Bogach

14

Fundamentally Speaking

Low mortgage rates remain a window of opportunity

by Wayne Karl

32

64

34

Value Added

Home upgrades for the best return on investment

by John-Luke Sahlani

36

Mortgage Finesse

Credit and debt management

by Calm Ross

42 Money Matters

The dreaded B-word

by Gal Vaz-Oxlade

60 Legally Speaking

The law of good faith – or the lack thereof

by Jayson Schwarz

48 28 Millennials

Millennials uncertain about investing future

38

62 Stat Chat

Why shouldn’t it be expensive to live in Toronto?

by Ben Myers

buyers’ resource section inspiration

52 Style File

Create a cosy bedroom in five easy steps

Public Spaces

New public sculpture welcomes commuters on Wilson Avenue

56 Q&A

Yanic Simard on creating custom

50 Toronto Fall Home Show Shape your space at the Toronto Fall Home Show

66 Toronto Fall Home Show 5th Annual Upcycle Challenge supports Habitat for Humanity

74

70

Downsizing

Successfully transitioning to small space living

77

Hot Properties

New releases, openings and preview registrations

Mortgage Rates

in every issue

4

Editor’s Note

6

Contributors

78

What’s Online

79

Advertiser Index

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Editors' Notes

EXPLORE UNIONVILLE

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

ypnexthome.ca/unionville-neighbourhood

Your next home, easier to find We realize there are different ways to search out that next home. That’s why we’ve made it our priority to make that home easier for you to find.

While price and size are always a big part of the equation, location will likely affect you most. Whether you want to be closer to work, important amenities or the city — or farther from it — the challenge is to find a home search tool that will provide all those answers. That’s precisely why we’ve developed maps with extensive neighbourhood data on YPNextHome.ca.

These maps make it easy to find not just a home but also see what is in the area, with stats about the community and its residents. YPNextHome.ca offers neighbourhood profiles, as well as guided tours by our team of experts — all connected to the maps, so that there’s no secondary search.

We’ve made it easy for you to familiarize yourself with a community and get valuable insights, from hot spots to proximity to the city centre.

We hope you find this experience helpful. Let us know, we’d love to hear from you!

What’s important to you?

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

+ get social

When Paul bought his first home in Toronto recently, he relished the fact he was able to get the property he wanted, at a price he could afford and in an area he liked.

What he didn’t love, however – and discovered only after the fact – was how far he was from major public transit. The office where he spent some of his time was a convenient 30-minute jaunt away. But his other semi-regular commutes downtown involved a horrendous drive down the Don Valley Parkway, or an equally inconvenient – and lengthy – combination of bus and subway.

Paul committed an all too similar mistake many buyers make – not weighing all the factors of his location.

Indeed, when buying a home, many people rank proximity to transit and schools near the top of their convenience wish list, though criteria also varies depending on their age and location.

But when it comes to the value of your home, certain neighbourhood features have very distinct influences – positive and negative – that you should be aware of.

Care to learn what they are?

Please turn to page 20.

Interact with us on social media: ypnexthome

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Contributors

MORTGAGE FINESSE

PRESIDENT, YELLOW PAGES NEXTHOME

CALUM ROSS

Jacqueline Hill

Calum Ross is a mortgage columnist for New Home Guide and New Condo Guide. He holds both a B.Comm and MBA in finance from the Schulich School of Business and in 2011 completed the Comprehensive Leadership Program at Harvard Business School. He can be reached at 416.410.9905

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES, NATIONAL

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

Anne-Marie Breen ASSOCIATE PUBLISHER, NEW HOME & CONDO GUIDE, SOUTHWESTERN ONTARIO

MONEY MATTERS

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

Follow Gail on Twitter at twitter.com/GailVazOxlade

Susan Maxwell EDITOR

Wayne Karl ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

TARION REPORT

Sonia Bell, Elisa Krovblit Lydia McNutt (on leave)

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

SENIOR ACCOUNT EXECUTIVE

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

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

LEGALLY SPEAKING

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

Terry Basset NATIONAL CIRCULATION MANAGER

John Jenkins

PRODUCTION MANAGER

Helen Pearce PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic

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)

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

MORTGAGE ADVICE

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

DESIGNER ADVICE

GRAPHIC DESIGNERS

Miguel Cea, Mike Terentiev

Published by

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

ADVERTISING Call 416.626.4200 for advertising rates

and information.

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

COPYRIGHT 2016 All rights reserved by Yellow Pages Homes Ltd., Toronto, Ont. Reproduction in any form is prohibited. Contents of this publication are covered

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

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

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

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

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YO U R YO U R YO U R

MM M EE N EN N KK E KE SESS L I F E S T O R E Y S TA R T S H E R E L I F E S LTIO FE R ESYT O S TA R ERYTSSTA HE RR TE S HERE

CHAPTER ONE: C H A P TE EX RTCRH OAANOPERT: D E IRN A OR NYE : E X T R A O REDX ITNRAAROYR D I N A R Y

GG EO RG EE TOW NN G EO RG EO E TOW RG NTOW VV I NI N GG LI V I NLIG LI

Dwell City Towns – Etobicoke Dwell City Towns – Dwell Etobicoke Towns – Etobicoke UnderCity Construction Under Construction Under Construction Final Release Final Release Final Burnhamthorpe Rd.Release & West Mall Burnhamthorpe Rd.Burnhamthorpe & West Mall Rd. & West Mall 416.259.2525 416.259.2525 Starting from416.259.2525 the high $600’s Starting from the high Starting $600’sfrom the high $600’s

40' singles 40' singles 40' singles starting from the mid $900’s.

VISIT THE SALES CENTRE starting from the starting mid $900’s. from the mid $900’s.

VISIT THE TAE RLS E ST OCDE ANYT R E & VS MI AS OLIDTEESTLHCHEEONSM The Enclaves of Upper Canada is the stuff great & Life M O D E L H& OM MOE D S ETLOHDO AM Y E S T O D AY

The Enclaves of Upper TheCanada Enclaves is of theUpper stuff great Canada Lifeis the stuff great Life Storeys are made of. Ideally located in the charming Under Construction Storeys are made of.Storeys Ideally are located madeinof. theIdeally charming located in the charming Under Construction Under Construction Georgetown hamlet of Norval, the community gives Guelph St. & MacFarlane Dr. Georgetown hamletGeorgetown of Norval, the hamlet community of Norval, gives the community gives families everything they need to make every day a Guelph St. & MacFarlane Guelph St. Dr.& MacFarlane Dr. 289.891.9103 families everything families they need everything to make they everyneed day to a make every day a real page-turner. It’s your classic “happily ever after.”

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See sales representative for details. Prices and specifications are subject to change. E&O.E. 2016 See sales representative forSee details. sales Prices representative and specifications for details. arePrices subject andtospecifications change. E&O.E. are2016 subject to change. E&O.E. 2016

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We pride ourselves on creating the most thoughtfully designed homes and condos in well-planned communities. More importantly, we create these wonderful places to live where they’re sure to give you access to the best of modern living. Which is why you'll find us comfortably near major highways, thoroughfares, and public transit. Near great shopping and entertainment. And close to places where you might work or play.

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Advice | BILD REPORT

Giving back to the communities we create

By Bryan Tuckey

MORE ADVICE ONLINE ypnexthome.ca/news/advice

THE BUILDING, DEVELOPMENT and

professional renovation industry does more than just build homes. Members of the industry spend countless hours and many thousands of dollars every year giving back to the communities they are working to create.

Among the industry’s many philanthropic initiatives is BILD’s community partnership with Habitat for Humanity GTA, the local arm of the well regarded charity that builds affordable homes for low-income families.

The partnership has been in existence since 2003 and has only strengthened as the years have gone by. It’s a perfect fit – we’re both in the business of building homes.

BILD members support Habitat through a series of fundraisers such as athletic tournaments, industry gatherings and more, which raise several thousands of dollars each year.

Proceeds from all of these fundraising efforts help Habitat build homes for its partner families. Each year, BILD is given the privilege of presenting a family with keys to their new home. This year our partner family is the Mohammeds, a family of seven currently living in a rented poorly maintained home in an unsafe neighbourhood.

Many hundreds of members took part in this year’s fundraisers, which included baseball and volleyball tournaments, two golf tournaments and a city-wide scavenger hunt. A cycling event will take place later this year.

“Among the industry’s many philanthropic initiatives is BILD’s community partnership with Habitat for Humanity GTA, the local arm of the well regarded charity that builds affordable homes for low-income families.”

Our biggest fundraising event of the year was our annual barbecue in July. More than 600 people attended the social gathering to network while raising money for Habitat. Fundraising was done through ticket sales and a silent auction.

All of these fundraising events are made possible thanks to member volunteers who spend a significant amount of time planning activities, calling sponsors, creating promotional materials and more. Their support is a major contributor to the success of our partnership with Habitat and a testament to our members’ commitment to giving back.

Another way our industry supports Habitat is by volunteering their time on job sites and contributing to the actually building of homes. Whether they are experienced tradespeople or office workers with no construction experience, our members roll up their sleeves and work on one of Habitat’s construction sites.

This year, our group spent a very hot August day framing, putting in insulation, placing vapour barriers and installing casement windows in semi-detached homes being constructed on Birchmount Road. It was an incredible experience for them knowing that in just a few months the site will be home to nine families.

Many of our member companies also have their own Habitat build days, and it’s not uncommon to hear of individual volunteers returning to a site for a second or third time.

Members also support Habitat by hosting their own fundraisers, donating furniture and or building materials to the ReStore and providing expertise to Habitat.

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

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Advice | TARION REPORT

Choice – how Ontario’s new home warranty is among the best in the country

By Howard Bogach

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WE ARE ALL FACED with the notion of

choice each and every day – some easy and some a little more difficult.

When it comes to choice in new homes in Ontario, the options are astounding. Consumers today have almost innumerable choices, from housing type to finishings.

Some people think this choice should be extended to the new home warranty provider as well.

In Ontario, consumers have the benefit of a mandatory universal warranty program that offers equal protection. This differs greatly from other provinces; some don’t mandate warranty coverage at all, while others set the standards and leave the rest to private insurance companies. There are those who believe that provinces such as BC have a more desirable model, arguing consumers should be able to choose their warranty provider. But do such programs actually afford more choice?

The short answer is no.

While the warranty program in BC does allow for different warranty providers, it’s the builder that gets to decide who that provider will be, not the consumer. The private for-profit warranty providers have different fees, specialties and even services. But in the end, the homebuyer must go with the coverage and warranty the builder has chosen for them. The warranty providers market themselves and the coverage they offer to the builders, not the homeowners. Since the decision is taken out of their hands, consumers don’t actually have a choice. Instead, what they are left with

is a minimum standard in new home warranty, with a varying difference of coverage limits and levels of service.

Ontario has one of the strongest new home warranty programs in the country. In fact, other provinces look to Ontario for industry leading solutions and best practices. Ontario also provides coverage that no other warranty provider elsewhere in Canada offers. For example, Ontarians are the only homebuyers eligible for delay compensation when a builder is unable to meet their outside closing date. We also offer deposit protection where some provinces again, don’t offer this type of coverage at all.

Homeowners in Ontario are also covered for radon, which isn’t covered in British Columbia. We don’t provide different options that builders can pick and choose from. Instead, we have a set list of warranties and protection which by law, cover almost every new home purchaser. We frequently examine how we can improve the

warranty and invite government and all our other stakeholders to have their say. We want to ensure the warranty stays current and is keeping up with the changes in the housing industry.

The most important thing is that new-home buyers receive the right protection and that those protections are there when they need it. Tarion is there to give you assurance that if your builder cannot or will not meet their warranty obligations, you have somewhere to turn. Every day, Tarion strives to provide the strongest warranty program so that buyers across the province are protected when they need to be. For us, that’s one area where there is no choice.

Howard Bogach is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide.

For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/TarionWarrantyCorp.

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CALEDON

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Advice | FUNDAMENTALLY SPEAKING

Window of opportunity Mortgage rates remain at historical lows, so take advantage while you can – but carefully

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

LOW RATES continue to dominate in

the mortgage world, after the Bank of Canada dropped its influential overnight target rate – not once, but twice – last year.

In its latest announcement on Sept. 7, the BoC again held the rate at 0.50 per cent – where it has been since July 2015. BoC had earlier dropped the rate from 0.75 per cent, where it had been since January 2015, when the Bank dropped it from one per cent.

Clear as mud? Just a bunch of numbers, right? Perhaps, but some experts are now saying rates won’t begin to inch up from these historical lows until well into 2017.

While the BoC may have held rates in September, it also took the opportunity in its Monetary Policy Report in July to repeat an earlier warning about the housing market.

The Bank intimated a need for action to tackle rapid house price increases in Vancouver and Toronto, citing “elevated and rising” risks.

Canada Mortgage and Housing Corp. (CMHC) followed that up in its Housing Market Assessment, reporting that evidence that problematic conditions in Canada’s housing market as a whole has increased from weak to moderate.

Continuing low rates mean the extended window of opportunity for those looking to buy a home remains open. But so too does

“ Take advantage of today’s low rates while you can, but also spend the time necessary to find a broker or banker you trust” the likelihood that other policy changes or adjustments to mortgage regulations are coming. The time to prepare is now.

If you could lock in at a low rate over 10 years, for example, that gives you the comfort of knowing what your mortgage payments will be over that period, while over that time you can also take advantage of any pre-payment and lump-sum payment options to pay down your mortgage.

Another appeal of this scenario is that, as we often point out, experts advise you take a long-term view of your home purchase. For example, some markets have recently experienced cooling prices and softening sales. But even if that were to happen in your market and housing type, ask yourself: in 10 years, is a home you buy today likely to be worth more or less? If you need an answer

to this question, just take a look back at prices 10 years ago. Of course, there are no guarantees, but if you’re in the homebuying mode anyway, today’s low rate environment makes a pretty compelling reason to act sooner than later to take advantage of these opportunities.

Low rates notwithstanding, the banks, financial firms, brokers and other experts still advise homebuyers to practice smart borrowing.

Experts stress that even as rates remain low, buyers should explore everything from putting down a larger down payment to taking advantage of pre-payment options to “stresstesting” your mortgage at a higher rate to ensure your finances can accommodate rate fluctuations or other unforeseen circumstances.

One day, the mortgage landscape will change. And if you’re among those homeowners who have been somewhat spoiled by continuing low rates, you could be could be in for an unpleasant surprise.

Take advantage of today’s low rates while you can, but also spend the time necessary to find a broker or banker you trust, who knows their business, and who can help you explore what options might be best for you.

More so than in any other area of homebuying, you’re going to rely on this advice – now more than ever. It will prove to be time well spent.

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property.

He can be reached at wayne.karl@ ypnexthome.ca or follow him on Twitter at Twitter.com/WayneKarl

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2016-09-13 6:12 PM

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

CURRENT COMMUNITIES NEIGHBOURHOODS OF MOUNT PLEASANT - BRAMPTON Grand Opening Contemporary Freehold Towns 3 New Styles COMING 2016 NEIGHBOURHOODS OF MOUNT PLEASANT - BRAMPTON New Contemporary Freehold Townhome designs coming this Fall Register at Rosehavenhomes.com LAKE POINTE - STONEY CREEK Five 60’ Estate Singles coming this Fall Register at Rosehavenhomes.com AFFINITY CONDOMINIUMS ALDERSHOT / BURLINGTON Contemporary Mid-Rise Condos From the upper $200’s Register at AffinityCondo.com ANCHOR WOODS HOLLAND LANDING 45’ & 38’ Singles and Semis just north of Newmarket Register at AnchorWoods.ca COMING IN 2017 ON THE RIDGE - STONEY CREEK Introducing Freehold Towns Register at LiveOnTheRidge.ca

Ordinary is for others. Separate yourself from the common, the oh-so-typical, the middle-of-the-road, the good-enough, the runof-the-mill. Seek haven from anything less than the exceptional.

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

TIFFANY HILL - ANCASTER 45’ Singles, Condos and Freehold Towns Register at TiffanyHill.ca DREAMFIELDS - BRADFORD Singles and Towns Register at DreamfieldsBradford.com

Visit RosehavenHomes.com For directions, hours & community info. call our hotline (1-888/416) 410-0175 Prices and specifications correct at press time.

Prices quoted are in thousands. E. & O.E. 17

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2016-09-12 3:47 PM

Trending

OHBA elects Neil Rodgers as 50th president

THE ONTARIO HOME BUILDERS’

Association (OHBA) elected Neil Rodgers as President for 2016-17 at the organization’s Annual Meeting of Members Sept. 19 at the Blue Mountain Resort in Collingwood.

Most recently, he served as the association’s 1st Vice-President and has been a member of the Executive Committee since 2012.

A long-time dedicated advocate for the association and the industry, Rodgers brings a wealth of knowledge and expertise to this leadership role within OHBA. With almost 30 years of experience in land development, Rodgers’ career has spanned both the public and private sectors of the industry across southern Ontario, British Columbia and the United States. Currently executive vice-president, acquisitions at Tribute Communities, one of the largest integrated land developer/ community builders in Ontario, Rodgers is responsible for all

aspects of land acquisitions, vendor/investor and broker relationships and market research.

Prior to joining Tribute, Rodgers played a pivotal leadership role in the merger of the Urban Development Industry (UDI) Ontario and the Greater Toronto Homebuilders’ Association (GTHBA), to form the Building Industry and Land Development Association (BILD) – the largest local home builders’ association in Ontario.

With an Urban Planning degree from the University of Waterloo, Neil’s work with associations and their stakeholders along with his past experiences working closely with the Ministry of Municipal Affairs and Housing and other government organizations has made him a natural in the political sphere and a knowledgeable representative of the industry.

A focus for Rodgers’ term as OHBA president will be on evidence-based research in order

to demonstrate what the future of the marketplace will look like with the current policy models that are in place.

With several important files on the go, Rodgers plans to use this research to help educate, advocate and inform the government on issues such as the Greenbelt and Growth Plan, the OMB Review and Building Code changes around Net Zero housing as well as the Climate Change Action Plan.

The OHBA is the voice of the building, land development and professional renovation industry in Ontario representing 4,000 member companies organized into 30 local associations across the province. Our members have built more than 700,000 homes in the last 10 years in more than 500 Ontario communities. The industry contributes more than $45 billion to Ontario’s economy, employing more than 300,000 people across the province.

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2016-09-13 4:28 PM

COMING THIS FALL

36’, 40’ AND 45’ DETACHED HOMES ON HWY. 11 JUST NORTH OF DAVIS DRIVE THE COMMUNITY:

THE HOMES:

• Located just minutes north of Newmarket on Yonge Street with easy access to Toronto

• Spacious 3 and 4 bedroom designs featuring 9’ ceilings and hardwood floors

• Minutes to East Gwillimbury GO Train station and Hwy. 404

• Master bedrooms feature walk-in closets and private ensuites

• Parks, schools and acres of protected greenspace at your door • An intimate, small town setting just minutes from all the amenities of Newmarket

• Most plans offer convenient second floor laundry • Open concept kitchens with breakfast bars

REGISTER TODAY: GREATGULF.COM/HILLSBOROUGH

36’, 40’ and 45’ Detached Homes 1,510 - 3,520 sq. ft.

Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area.

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

BILD 2016 BUILDER OF THE YEAR

Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area.

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2016-09-13 12:51 PM

Trending

5 things to look for – and 5 to avoid – when buying a home

By Wayne Karl

MOST PEOPLE HAVE AN IDEA what

they want when buying a home – proximity to transit and schools usually ranks near the top.

Buyers’ criteria may vary depending on their age and location. Single professionals looking for a downtown condo would likely key on proximity to mass transit. Young families in the suburbs, on the other hand, might rank schools and parks at the top of their list.

When it comes to the value of your home, however, certain neighbourhood features have very distinct influences –positive and negative – that you should be aware of.

For example, realtor.com, the official website of the National Association of Realtors in the U.S., recently produced a list of the worst neighbourhood features that drag down your home value.

Its counterpart north of the border, the Canadian Real Estate Association

and its website, realtor.ca, doesn’t have an equivalent list for the market here, so we assembled one – from an informal poll of realtors and other sources.

Here, then, are five things to look for – and five to avoid – when looking for a home.

5 THINGS TO LOOK FOR Mass transit: This isn’t just for convenience, though being able to walk to a subway, LRT or commuter train is the wish of many homeowners. Experts rank walkability to a subway station as the number one thing homebuyers are willing to pay for – so it has a very real positive impact on property values. Research shows that homes located 500 to 800 metres from a subway stop increase by 10 to 20 per cent in value more than average. And in a downturn, these properties will drop by 10 to 20 per cent less.

Schools: This may be more important for young families than single professionals or Millennials, but overall, properties close to good schools and school districts are at a premium. (And be sure to avoid poor school districts.) Think convenience in dropping off the kids, less worry about long commutes, syncing up with daycare or requiring them to become “bus pupils.” And when it comes to resale, you’ll find lots of people looking for just this kind of home.

Walkability: Speaking of convenience, proximity to amenities such as shops, services and restaurants ranks high on most buyers’ lists. Being able to walk to them, within reasonable distance, is golden. Builders know this, and more and more of them master-plan their communities to make sure such essentials are nearby. …continued on page 22

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AWARDWINNING HOME BUILDER

COMING SOON

ELEVATE YOUR LIFE IN VAUGHAN

VAUGHAN

AURORA

PICKERING

KING CITY

40’& 42’ LUXURY SINGLES

URBAN TOWN LIVING

URBAN TOWN LIVING

Yonge Street & Wellington Street

Brock Road & William Jackson Drive

80’& 90’ ESTATE SINGLES

Eagles Landing Road & Dufferin Street

Keele Street & 15th Sideroad

*Information correct at press time. E. & O. E.

TREASUREHILL.COM SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 21

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2016-09-12 3:48 PM

…continued from page 20

“When it comes to the value of your home, however, certain neighbourhood features have very distinct influences – positive and negative – that you should be aware of.

Parks: Lifestyle is becoming increasingly important – and in some cases, a concern – these days, especially for the thousands upon thousands of Canadians choosing to live in condos because of their affordability. Think it’s not so important? Try living in a downtown condo cluster without any greenspace in sight. Generations of Canadians are now growing up as condo dwellers, so nearby parks, trails and other escapes are increasingly essential.

Major highways: Besides living reasonably close to work, most homebuyers also want to be close to friends and family. But these days, with rising prices increasingly determining where you buy, easy access to major highways and thoroughfares is the next best thing. And thank goodness many Canadian governments are spending billions on infrastructure to help make it all happen.

“The features that are most important to homebuyers are reflective of what they value as individuals,” says Adil Dinani of Royal LePage West Real Estate Services, Burnaby, BC. “Generally speaking, neighbourhoods that fall within excellent public school catchments, are close to rapid transit hubs and have access routes are highly sought after.

“The notion of walkscore also plays an important role in desirability – residential neighbourhoods that are in proximity to urban conveniences such as cafes, grocers, restaurants and

parks are generally very attractive and can positively influence the value of homes.”

5 THINGS TO AVOID Busy street or intersection: While proximity to highways is high on the list of positive influences, there’s such a thing as being too close. The concern here is two-fold: high volume of motorist traffic; and the danger that represents to pedestrians. The same is true with being too close to a subway or train station – and studies show a definitive drag on property values.

Cemeteries: Superstition or not, many people find it just too creepy to live adjacent to any kind or size of cemetery. Some may find it cool, but the greater likelihood is that far more potential future buyers will be turned off at the prospect.

Industrial areas: As best, think loud, potentially constant industrial noise and heavy truck traffic. At worst, depending on the type of industry, imagine particulates and other kinds of emissions and contaminants. No thank you.

Railways: We all remember LacMégantic, but if you need a reminder, there was a train derailment in downtown Toronto just last month.

Rail transport and transit literally helped build this country, and it’s important to our future, but there are very real dangers in living too close to railways.

Hydro wires: Even if you, personally, aren’t put off by homes located near hydro right-of-ways, future potential buyers of your home might be. Such properties often sell at a discount – which may sound great at first, until you realize it’s because the pool of prospective buyers is smaller when you go to sell. Why take the chance?

Importantly, such negatives can actually help people in their home search.

“It really depends on the budget, but most of the time, a buyer will make up their mind on a home that they are ruling out, quicker than a home that they love,” Shawn Zigelstein, sales representative at Royal LePage Your Community Realty in Richmond Hill, Ont., told New tHome Guide. “Buying a home is a process of elimination rather than a process of selection, and many of these specific factors may help a buyer eliminate a home very quickly.”

Proximity to these acts as a drag on property values Bad school district 22.2% Strip club 14.7% High renter concentration 13.8% Homeless shelter 12.7% Cemetery 12.3% Funeral home 6.5% Power plant 5.3% Shooting range 3.7% Hospital 3.2% Source: realtor.com

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SOMETHING S OMETHING METHING

NEW IS COMING SOON

TO NEWMARKET ctor WOW Fa

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A NEW collection of Townhomes, 50 ft. & 55 ft. Singles in an established neighbourhood.

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Distinguished architecture.

Luxuriously appointed interiors.

Meticulous craftsmanship in every detail.

2 and 3 Storey Townhomes

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

Detached Homes and Bungalows on 50’ and 55’ Lots

Begin every day with wow! Register for Phase 2 Today

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

SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 23

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6/3/16 12:38 PM 2016-09-13 12:51 PM

Property Profile | FIELDGATE HOMES

cover story

By appointment only at

Blue Sky in Stouffville STOUFFVILLE’S BLUE SKY is the new-home community you’ve been waiting for – a refreshing way of life full of oldfashioned charm, set in a dynamic, modern and convenient community of mostly detached homes just five minutes north of Markham.

More than 1,300 families already call Blue Sky home, and now you can too! Blue Sky’s new release features a selection of 36-, 40- and 50-ft. singledetached family homes that will be available to purchase by appointment only. Interested homebuyers are encouraged to register today at fieldgatehomes.com for additional details regarding this new release and the appointment booking process.

Inspired by Stouffville’s heritage architecture, the homes at Blue Sky Stouffville are crafted in a complementary style. Beautifully designed with Victorian, French Second Empire and Tudor influences, the warm exteriors create the most welcoming streetscapes.

Decorative trim, gable details and delicately pointed arch windows adorn the Victorianinspired exteriors, creating inviting homes with a unique flair. The sweeping bell roofs, ascending turrets and dormer windows of the French Second Empire elevations make a grandiose statement that is sure to turn heads. Inside, these homes’ features include oak staircases with upgraded wood spindles and hand rails in natural finish from the first to second floor,

REGISTER FOR THE NEW RELEASE

…continued on page 26

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…continued from page 24

pre-finished natural hardwood on the main floor and nine-ft. ceilings on the main floor.

Stouffville is a place where you can enjoy all the comforts of a country lifestyle and still get to the city in less than 30 minutes. Stouffville’s fertile rolling farmland, scenic ravines, kettle lakes and forested highlands make it an irresistible place to call “home.”

Annual Stouffville events such as the summer Strawberry Festival and the local variety show Music Mania showcase the charming flavour of this delightful town.

The community offers families the convenience of several

neighbourhood amenities, such as schools, parks and places of worship, just steps from home. The town boasts a great library, a skate park, a fabulous community centre with an arena and an indoor pool, and much more to keep you and your children active all year round. Blue Sky also lets you enjoy all the finest modern conveniences with shops, schools, GO Transit, recreation and much more, all just minutes away.

The sales centre is on the west side of Ninth Line, north of Main Street (Stouffville Rd.) at Millard Street.

Please visit fieldgatehomes.com to register today.

Location

Stouffville Builder

Fieldgate Homes Development

Blue Sky Home Type

36-, 40- and 50-ft. singledetached family homes Sales Centre

West side of Ninth Line, north of Main Street (Stouffville Rd.) at Millard Street Contact

fieldgatehomes.com

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SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 27

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Trending

Millennials uncertain about investing due to market volatility benefit of compound growth and the prospect of multiplying returns.

Brush up on basics: 40 per cent of Canadian Millennials surveyed who don’t invest on their own feel they don’t have the financial background or knowledge. However, you don’t have to be a stock-picking guru to get started – you simply need to look in the right place. TD Direct Investing’s WebBroker platform, for example, features a range of videos, webinars and seminars to help new and seasoned investors make informed decisions when managing their portfolios.

IN AN ENVIRONMENT WHERE

interest rates are low and there is greater volatility in the markets, Millennials have mixed views when it comes to which investing strategy is best. According to a recent survey commissioned by TD, 36 per cent of Millennials don’t know if it’s the right time to invest, while 22 per cent say it’s definitely not the time.

Furthermore, one-third (37 per cent) say they do not invest at all.

“Younger Canadians are in the best position to take advantage of the current market environment and long term horizon, and learn how to manage their money independently through self-directed investing,” says Calvin MacInnis, senior vicepresident of TD Direct Investing.

“For a generation with such a strong entrepreneurial spirit, it’s surprising that Millennials are still hesitating to invest; however, we’re already seeing this group begin to embrace self-directed investing as they feel empowered by the online technology, and we expect this popularity will continue to grow.”

In addition to the uncertainty around market timing, there are

other misconceptions when it comes to self-directed investing.

For Millennials who do not engage in self-directed investing, the key reasons cited include lack of money (46 per cent), lack of financial knowledge (40 per cent) and confusion with navigating tools (24 per cent).

To help overcome the perceived barriers associated with selfdirected investing, TD Direct Investing offers the following “ABC Tips” to help Millennials invest on their own.

Act now: When it comes to starting to save for the future, no amount is too small. However, nearly half (46 per cent) of Canadian Millennials surveyed who don’t currently participate in self-directed investing admit that it’s because they don’t believe they have enough money. Nonetheless the first step to investing is simply to start, regardless of how much capital you have. With time on your side, a long investment horizon can help mitigate the risks of market volatility, and you also reap the

Choose your own adventure: When it comes to investing, there are many benefits to being in the driver’s seat and steering the direction of your financial future.

However, despite having easy access to technology, nearly one quarter (24 per cent) of Canadian Millennials surveyed who don’t participate in self-directed investing think it’s confusing to navigate online investing technologies. Look for a platform that is user-friendly, intuitive and includes educational resources to help get you started, especially when you’re looking to place your first trade.

“There are many benefits to selfdirected investing and we know that our clients like the control of managing their own investment decisions,” says MacInnis. “Not only is a platform like WebBroker fast and flexible, but the quickly evolving technology provides more options and better convenience.

We’ve recently made some key changes to our platform, focusing on innovation to deliver enhanced features and a superior user experience, helping investors reach their financial goals.”

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design is everything.

Village Green.

COMING SOON

from the high

TO MOUNT ALBERT family-sized townhomes.

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Follow us on Prices and specifications are subject to change without notice. E. & O.E. Rendering’s are artist’s concept.

SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 29

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2016-09-13 12:36 PM 2016-09-13 3:17 PM

Property Profile | MATTAMY HOMES

Mattamy Homes continues an extraordinary success story with communities & condos across the GTA MATTAMY IS KNOWN TODAY as North

America’s largest privately owned home builder. Its goal throughout the years has been simple and consistent: to create places people love to live in. After building more than 70,000 homes and more than 10,000 condo suites across North America, the company continues to attribute its success to always listening to its homeowners.

Mattamy has always been attentive to the needs and desires of its homeowners. Not only does this help the company design homes and communities that well-serve its customers, it additionally helps to choose the most desirable locations.

Mattamy also goes to great lengths to provide an impressive level of

personalization. Staffed by highly trained professional consultants, Mattamy’s extraordinary design studios offer an astonishing range of fixtures and finishes that allow people to express their particular tastes and preferences. Meanwhile, the company’s exclusive Architect’s Choice Options allow flexibility in a home’s architectural design to accommodate every homeowner’s specific needs or wants.

Right now, Mattamy has a number of exemplary communities and condominiums available around the GTA and southern Ontario. As well, some exciting new communities are scheduled to open very soon.

Naturally, all demonstrate Mattamy’s commitment to thoughtful design

in the service of their every homeowner.

COMMUNITIES NOW OPEN

Etobicoke – Alderidge offers a new release of semis and detached homes in contemporary and traditional designs.

Etobicoke – VITA is life uncomplicated on the waterfront.

Extraordinary condo living with exceptional views of the city skyline and Lake Ontario.

Oakville – The Residences of Creekshore Common features contemporary condo living. Now more than 75 per cent sold, with occupancy set for summer 2017.

Oakville – Executive townhomes in The Preserve. Magnificently

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appointed, spacious Grand Towns finished in French Chateau architecture ranging from 2,536 to 3,057 sq. ft.

COMMUNITIES & CONDOS COMING SOON

Caledon - SouthFields will offer a new release of spacious two-storey towns and elegant 43-ft. detached designs in an established neighbourhood under the escarpment.

Cambridge – River Mill is a masterplanned community of elegant, family

friendly detached homes nestled along the tree line just north of the Speed River.

Kleinburg – Kleinburg Summit is tucked into the lush landscapes just north of the city. Choose from an impressive variety of upscale detached home designs.

Milton – Hawthorne South Village is Mattamy’s most awarded community, home to more than 12,00 delighted families. A new release will offer a full range of Village Homes, two-storey and rear lane towns.

Richmond Hill – Richmond Green will offer a rich and rewarding lifestyle. Bordering the Richmond Green Community Centre and surrounded by all amenities, this community will offer a variety of towns and detached designs.

Scarborough – Thomson Towns will feature two styles of rear lane towns in a highly connected neighbourhood near transit, highways, shopping, entertainment and more.

Toronto – Downsview Park is Mattamy’s established community that will soon open new urban styled boutique condos. The extraordinary city location offers more options with proximity to parks and recreation, major highways, TTC and Yorkdale shopping centre.

Whitby – Queen’s Common will feature a variety of affordable towns and detached designs in the urban centre of Whitby, with easy access to Hwy. 401 and recreation.

For more information register today at mattamyhomes.com/gta SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 31

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Advice | VALUE ADDED

These home upgrades are your best return on investment High 100%

By John-Luke Sahlani Kitchen renovation Bathroom renovation

UPGRADING YOUR HOME IS, without

RETURN ON INVESTMENT

doubt, an endeavour undertaken with the intention of producing a higher standard of living for yourself and your family. This process is always an exhilarating and creative one that allows you to customize your living space into exactly what you dreamed of.

As you review the countless home magazines and home style blogs, the choices will start to pile up leaving you with a long list of options that you can include in your build that may seem appealing at the outset.

These items may include several cool and innovative features and products that appeal to the average home or condo owner due to the instant gratification of enjoying such an item.

Unfortunately, these are not always value-based upgrades for the build.

Instead, these upgrades focus on the final finish as opposed to the addition of another desirable feature or best practice construction.

In order to avoid losing sight of value in the whirlwind of selections and upgrades, check the accompanying list of home improvements, based on return on investment. Keep these returns in mind as they can help you start with a solid base when completing investment projects.

At resale, for example, the difference in the quality of your selection can be quickly recognized and reflected in the final sale price.

These figures represent the typical return on invest for different areas of your home and despite being very simple, can lend a good train of thought when completing your next home improvement project.

Exterior paint Interior paint

75 Basement renovation

Heating system upgrade

Construct a garage

Windows & door replacement

Central air installation

Garage construction

Roof shingle replacement

Recreation room Fireplace installation Flooring upgrade

Interlocking brick walkways

Deck building

Home theatre

Paving with concrete

Building a fence

50

Paving with asphalt Landscaping

25 Skylight installation Swimming pool Whirlpool tub installation

Low

0

MORE ADVICE ONLINE ypnexthome.ca/news/advice

As you can see, there is a clear path to success that you can follow within this information as you can simply select to upgrade the items that provide the highest return. That plan can work and, despite the fact you receive a significantly smaller return on investment for some of the less apparent upgrades, these features are often equally apparent as a whole when considering the sale of the home you are renovating. It is because these features support a clean and crisp final product that many buyers will be looking for to ensure the renovation was not completed in the cheapest manner possible. This may include upgrading the insulation to today’s building code if you have the

opportunity before enclosing the walls with drywall. There is a fine line to walk when choosing the finishes to invest in that will provide you with the best return for your money through both the sale of your home and the creation of equity for a “forever home.”

Regardless of your vendor, ensure that you consult a professional design-builder who is able to provide you with a clear plan to achieve these value based goals.

John-Luke Sahlani is the owner/operator of Sensus Design and Build. With a wealth of experience as a professional project manager his expertise and professional advice add value to any home or condo through upgrades and renovation. Sensus Design & Build sensusdesignbuild.ca

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MARKHAM’S BEST NEW

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BoxgroveVillage.com Prices, plans and specifications are subject to change without notice. All renderings are Artist’s concept.

See sales representative for more details. E. & O.E.

ARIS-BOX-A-AD-NHG-SEP8-5.indd 1 033-Arista-Boxgrove 09-24-16.indd 33

aristahomes.com

2016-09-13 10:38 AM 2016-09-13 12:51 PM

Property Profile | MENKES DEVELOPMENTS

Model home for sale The Enclaves of Upper Canada in Georgetown by Menkes MENKES DEVELOPMENTS has

announced the LEED-certificated model home at its Enclaves of Upper Canada development in Georgetown is for sale. A private, inviting community in the Norval hamlet of East Georgetown, virtually everything you need is only minutes away. From all the amenities of a major town to the beautifully landscaped suburban streets and wooded walking trails of the Niagara escarpment, the Enclaves have it all. The homes are now under construction and some lots back onto a ravine of mature trees with breathtaking views of the Credit River Conservation lands.

The Enclaves LEED certified model home is on a 30-ft. lot backing onto the forest. This home showcases an upscale array of standard and upgraded features, including; nine-ft. ceilings on the main floor, tray ceilings in the master bedroom, gourmet kitchens with extended height uppers and granite counters, natural gas fireplace with white painted mantle and marble surround, and oak staircases from the first to second floor with upgraded pickets.

A tour of the model reflects both an elegant and inspiring atmosphere to live in. The use of cooler tones such as taupe and grey are balanced

with rich, dark hardwood and kitchen cabinets to add warmth to the space.

The family room in particular is the show-stopper of the home. Adjacent to the kitchen, it exudes an air of elegance with its slight black accents over a calm palette of light, dark and medium greys.

In an ongoing commitment to Green home building, Menkes is building all homes at the Enclaves of Upper Canada community to Energy Star standards and, in many cases, exceeding these standards. Green features include R50 attic insulation, R31 sprayed in foam for garage ceilings, sealed ductwork joints, high

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Location

Georgetown Builder

Menkes Developments Development

The Enclaves of Upper Canada Home Type

LEED-certified model detached home on a 30-ft. lot Sales centre

3 Upper Canada Crt., open Tuesday and Thursday 2 to 7 p.m., closed Mondays and Fridays, and open weekends noon to 5 p.m.

Contact

289.891.9103 menkes.com

“There are also a few 40-ft. detached homes available for purchase priced from the mid $900’s.

Act quickly before this community is completely sold out.” efficiency HRV, drain water heat recovery systems and excel structural insulated sheathing to name a few.

There are also a few 40-ft. detached homes available for purchase priced from the mid $900’s. Act quickly before this community is completely sold out.

Visit the sales office and model home located at 3 Upper Canada Crt., Georgetown, in the Enclaves of Upper Canada community at the northeast corner of Guelph Street and McFarlane Drive. The presentation centre is open Tuesday and Thursday from 2 to 7 p.m., closed Mondays and Fridays, and open weekends from noon to 5 p.m. For more information, call 289.891.9103 or visit menkes.com SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 35

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Advice | MORTGAGE FINESSE

Credit & debt management

By Calum Ross

AS THE CREDIT SYSTEM continues

to evolve in Canada, consumers are getting increasingly confused with a greater variety of credit products from a greater variety of financial institutions. In fact, the average Canadian gets more correspondence from financial institutions than they do from family and friends combined (what have we come to?). To further complicate matters, institutions are granting credit to consumers at a pace never seen before.

The combination of increasingly sophisticated marketing techniques to consumers coupled with more and more available credit truly becomes too much temptation for many people to bear. Consumer debt is a major issue in North America. The concept of keeping up with the Jones has destroyed both people’s financial health and their personal lives. What I am here to tell you is that you don’t need to fall into this trap!

Here are some simple guidelines that will prevent you from becoming yet another consumer credit victim: 1. Control spending by knowing exactly where every dollar goes.

Tracking your spending habits in detail periodically will enlighten you in ways that you never considered. While doing this on a monthly basis is not realistic, try to do this in detail for at least one month a year.

Helpful tip: If you and your spouse spend $3 per day on coffee, this totals $1,095 per year. Depending on your tax bracket, this amount could represent over $2,000 in pre-tax income. Is the free coffee at your office that bad?

MORE ADVICE ONLINE ypnexthome.ca/news/advice

2. Watch your liquidity closely.

Liquidity refers to your or your family’s ability to pay its short-term debt obligations. Watching what available funds you have to pay upcoming debt obligations is fundamental to avoiding credit problems.

Helpful tip: Think carefully before using purchase programs that require no payments for a set period. If you can’t afford to pay for it now, should you buy it?

3. Develop a realistic budget and live by it always.

A good budget must have specific financial goals with a clearly defined time horizon. Be sure to take into account all of your payments,

including loans, utilities and dry cleaning. If you pay for it monthly, it should be allocated in your budget. You can’t be too detailed.

Most financially successful people are excellent financial planners.

They have investment plans, loan repayment plans and a clear idea of how much time they need before they can purchase big-ticket consumer items.

Helpful tip: Also be sure to budget for some kind of treat on a periodic basis. All work and no play often results in failure.

While these rules seem fairly simple, they are a little like a diet – easy to start but tough to follow through. Despite popular opinion, material items will not bring you happiness.

While it may not seem like it today, forgoing that purchase to save for your child’s education (or your retirement) may make you feel a lot better in the long run (despite what the commercials may lead you to believe).

Until next time – happy home and mortgage hunting.

Calum Ross is wealth planner and practicing mortgage agent at Calum Ross Mortgage.

He has appeared on Canada AM, Investment Television, BNN and Citytv. He holds an MBA in finance and is an Accredited Mortgage Professional. He can be reached at 416.410.9905.

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BREATHTAKING RAVINE RESIDENCES AT HIGHLAND CREEK Combining an intimate ravine location with an offering of just 12 exceptional single family residences, 12 ON THE RAVINE is the hidden residential jewel of the Greater Toronto Area.

Here, 43 foot lots up to 300 feet deep nestle against tall stands of century old oak, pine and maple, creating the ideal setting for a collection of homes that showcase Geranium Homes’ meticulous attention to design detail and quality craftsmanship.

Tucked away from the hustle, bustle and sounds of the city, you’re just a stone’s throw from the gently flowing waters of Highland Creek and mere minutes from the University of Toronto Scarborough Campus, Pan Am Sports Centre and Highway 401.

EXQUISITE LIVING ON THE RAVINE FROM $1.7 MILLION COMING THIS FALL 12ONTHERAVINE.COM

Prices and specifications are subject to change without notice. Brokers protected. E.&O.E. September 2016.

SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 37

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Trending

‘Watson’s Dream’ joins Toronto commuters on Wilson Avenue A dynamic new public sculpture A BOLD, NEW PUBLIC ART SCULPTURE

by Toronto-based artist Clare ScottTaggart, looks to be striding toward Wilson Station.

Located on the southwest corner of Wilson Avenue and Tippet Road in North York, ‘Watson’s Dream’ emerges from the ground with kinetic force into the very busy commuter corridor. The energetic sculpture was commissioned by Brandy Lane Homes and project partners Wise Group and Shiplake Management Company.

“Often public art can be something that stands alone,” said artist Clare Scott-Taggart. “I wanted to create a piece that would literally be in step with the people around it.”

Standing 21 ft. tall and composed of 21 spun stainless steel spheres, ‘Watson’s Dream’ is named after James Watson, the scientist who first described the structure of DNA. The sculpture is a highly-magnified and stylized DNA strand representing the rapidly growing Downsview area.

“The spheres symbolize the many parts and contributions that combine to create a community,” added ScottTaggart. “It is about how we, the community’s DNA, come together to create a whole. The single green sphere contrasted against the other black and white spheres represents the individual within the greater community.”

“We were so pleased to work with Clare on this project,” said David Hirsh, president of Brandy Lane Homes. “Her vision exemplifies this vibrant new Toronto village, while making a bold statement on the Wilson corridor. We are very excited about this beautiful work.”

In 2004, the City of Toronto developed the Wilson Avenue

MORE TRENDING ONLINE ypnexthome.ca/news

Revitalization Plan. The mandate was to make Wilson Avenue into a pedestrianfriendly street by focusing on the quality and character of the streetscape, and by “creating a positive walking experience through the shopping and living precincts along Wilson Avenue.” With the emergence of many new condos, retail and service outlets, Scott-Taggart believes her latest work has added to this positive experience.

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there’s more to love about life in stouffville!

Located steps from a natural ravine with miles of trails at your door, and just a short bike ride from the inviting cafes, bistros and shops of Downtown Stouffville, VISTA Flats and Towns is the final release in the award-winning Neighbourhoods of Cardinal Point.

Nestled against mature woods, this innovative collection of condominium one-storey flats and two-storey towns offer distinctly unique designs and lifestyle choices in a convenient location minutes from Highways 404, 407 and the GO Train.

Introducing VISTA Flats and Towns. Enjoy a new point of view.

incredibly priced from the high

register now! vistaflatsandtowns.com

$300’S

including underground parking

GERANIUMHOMES.COM Prices and specifications are subject to change without notice.

Brokers protected. E.&O.E. September 2016.

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BILD 2014 P2G COMMUNITY OF THE YEAR BILD 2012 HOME BUILDER OF THE YEAR CHBA 2011 GRAND SAM AWARD WINNER

2016-09-12 3:48 PM

Property Profile | GERANIUM HOMES

Vista is nestled among mature trees

VISTA Flats & Towns Innovative ownership opportunity in Stouffville GERANIUM HOMES HAS VAST expertise in land planning and development, combined with superior construction knowledge and almost 40-years of designing and selling a wide variety of home styles. All of this experience will be brought to bear this fall at the launch of an innovative new neighbourhood – Vista Flats & Towns in Stouffville. Vista will fulfill the need for a new housing option in this desirable location with a selection of condominium one-level flats and two-storey towns arrayed on top of a private underground parking garage.

“Demand for affordable home ownership in Stouffville has driven our design process for Vista. Paying very close attention to detail, we’ve maximized every inch providing useable living spaces to the future residents,” says Stephanie Lane, marketing and sales manager.

Prices at Vista will start from the high $300,000s and will have

enormous appeal for first-time homebuyers. Single-level flats feature open-concept living, dining and kitchen areas, a master bedroom with private ensuite bath, a second bedroom and main four-piece bathroom, plus laundry. Each has a balcony or patio. Two different floorplans will be offered in sizes measuring approximately 895 and 1,040 sq. ft.

Two-storey towns are perched on the third and fourth levels and also boast open concept living/dining areas which flow into the kitchen.

A convenient powder room is on the main level. Upstairs features two bedrooms, a bathroom and ensuite laundry. Towns offer approximately 1,200 sq. ft. plus a magnificent, private rooftop terrace perfect for outdoor barbecuing and entertaining.

These unique layouts will be built with Geranium’s superior construction materials and include

quality interior finishes.

Vista is surrounded by nature, situated at the western edge of Geranium’s award-winning community The Neighbourhoods of Cardinal Point, just east of Hwy. 48 and north of Stouffville Road.

Cardinal Point is Stouffville’s “have it all” master-planned community, a place where neighbours greet each other along the 30 km trails in the natural ravine and children’s laughter is heard coming from the parkettes and playgrounds. Soccer games are often played in the large central park, also a favourite destination for dog walkers.

For those who commute to work, frequent GO Train and Bus service from Main Street Stouffville into Union Station takes less than an hour.

VISTA is also close to Hwys. 404 and 407. Residents of Vista will find getting around Stouffville easy; buses run along Millard Street a short walk

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A large park is the unique gateway to Cardinal Point

Vista has private rooftop terraces, similar to Uptownes (shown)

Location

Stouffville Builder

Geranium Homes Development

Vista Flats & Towns Home Type

Condominium one-level flats and two-storey towns Contact

vistaflatsandtowns.com

from the homes.

Stouffville is also known for its quaint restaurants, shops, services and a weekly farmers’ market. Larger brand name stores such as a Metro, LCBO and Shoppers Drug Mart are just a few minutes’ drive away.

Fitness enthusiasts have numerous opportunities to stay active, from swimming and organized programs at the Leisure Centre to the many golf courses and kms of cycling and hiking trails surrounding the town.

Vista will offer the best of town and

“Vista is surrounded by nature, situated at the western edge of Geranium’s award-winning community The Neighbourhoods of Cardinal Point, just east of Hwy. 48 and north of Stouffville Road.”

country life surrounded by wonderful amenities. To be among the first to learn more about Vista Flats & Towns, register at vistaflatsandtowns.com Since 1977, Geranium has developed numerous master-planned communities, taking them from conception to completion, creating desirable neighbourhoods and establishing a solid reputation for quality design and construction.

To learn more, visit geraniumhomes.com SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 41

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Advice | MONEY MATTERS

The dreaded B-word

By Gail Vaz-Oxlade

MORE ADVICE ONLINE ypnexthome.ca/news/advice

TRYING TO GET through life without

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

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

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

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

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

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

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

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

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

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

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

Add the categories together. That’s

what you’ve been spending.

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

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

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

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

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

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TRAFALGAR R I D G E by

Oakville Living, Luxury Feeling.

UNDER CONSTRUCTION

Located on Lillykin Street (access from River Oaks Blvd E and Namron Gate) Sales Office is by appointment only To book an appointment call - 416.318.9112

LILLYKIN ST NAMRON GATE

STARTING FROM THE MID $800’S At Trafalgar Ridge, Dunpar Homes combines its award-winning luxury town designs with Oakville’s urban prestige. The exclusive community boasts three bedroom, spacious townhome designs, each featuring two-car garages, unmatched landscaping and a plethora of luxury finishes.

VINELAND CRES

Discover an exclusive community of luxury, three bedroom townhomes

RIVER OAKS BLVD E

dunparhomes.com

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2016-09-13 12:51 PM

Trending

Post-oil-shock recovery scaled back for Canada: CIBC

AFTER ABSORBING THE WORST of what the oil shock could dish out, the Canadian economy is in better shape, but real GDP growth will fall short of two per cent in each of the next two years, finds a new report from CIBC Capital Markets.

“As it seeks to replace the role previously filled by energy sector capital spending, Canada will find that there’s a longer fuse for the stimulus now in place to spark a return to full employment,” says Avery Shenfeld, chief economist, CIBC. “Anemic capital spending plans, even outside the energy sector, suggest that the draw of a cheaper dollar isn’t yet enough to offset sluggish global growth and the resulting lack of pressure to add fresh capacity.”

CIBC trimmed its growth rate for 2017 to 1.8 per cent from 2.1 per cent.

The forecast for 2018 holds steady at 1.9 per cent real GDP growth.

“By today’s standards, these subdued growth rates might be counted as good years, fast enough to narrow economic slack,” says Shenfeld. “Growth will be sufficient to make at least some gentle progress towards eliminating slack and restoring full employment – not enough for the Bank of Canada to hike rates before mid-2018, but with core inflation sticky, enough for the central bank to eschew a further rate cut.”

He points to the headwinds of elevated inventories of autos, chemicals and machinery stateside – which are key target markets for Canadian exports – dissipating in the next few quarters. That will help to support profits and capital spending plans by 2018. But, in the coming year, the best news for capital spending will be that its pace of decline will ease off, the report says.

“Growth will be sufficient to make at least some gentle progress towards eliminating slack and restoring full employment – not enough for the Bank of Canada to hike rates before mid-2018, but with core inflation sticky, enough for the central bank to eschew a further rate cut.”

…continued on page 46

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…continued from page 44

“A longer wait for the Bank of Canada tightening has us weakening our 2017 forecast for the Canadian dollar by three cents versus our prior call, with a total decline of four cents from now to the end of 2017”

While the timing is still fuzzy on the federal government’s infrastructure spending, that should add just over 0.5 per cent to Canada’s real GDP growth next year, says Shenfeld.

In contrast, home building has likely peaked in terms of its contribution to economic activity, the report says.

Despite strong housing demand in southern Ontario, national start levels will grind lower to 182,000 next year and 178,000 in 2018.

To see an eventual upturn in capital spending and an improvement in non-energy exports, Canada will need to retain the more competitive exchange rate range that has prevailed since oil prices dropped in 2014, says Shenfeld.

The upward creep in oil prices next year on its own would tend to push the loonie a few cents stronger, he says. But, countering that will be higher interest rates in the U.S.

next to a stand-pat Bank of Canada.

Canada-U.S. overnight spreads are expected to widen by 75 basis points, reflecting three U.S. Federal Reserve rate hikes while the Bank of Canada holds rates steady.

“A longer wait for the Bank of Canada tightening has us weakening our 2017 forecast for the Canadian dollar by three cents versus our prior call, with a total decline of four cents from now to the end of 2017,” says Shenfeld.

He forecasts the loonie will decline to 73 cents U.S. by the end of next year.

It’s also a mixed picture for consumer spending.

“Firmer gasoline prices will eat into household buying power, without being enough to spark a boom in oil industry employment,” says Shenfeld.

“The longer-than-expected fuse to ignite export growth has also meant

that job performance in highpaid tradable industries has been lacklustre, even beyond the expected retrenchment in energy.”

Looking ahead, energy and manufacturing payrolls should stabilize by year’s end, and abetted by hiring tied to infrastructure spending, Canada’s employment growth will accelerate to 0.7 per cent next year and 1.1 per cent in 2018, he says. Consumer spending power will also get a lift from the arrival of more generous federal child benefit payments to families with children, he adds.

Corporate profits should garner support as energy prices rebound and softness in the labour market contains compensation rates.

“Workers, like Canadian policymakers, will have to wait more patiently for the prize of full employment,” says Shenfeld.

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G RAN D O PE NI N G A S TU NNING MAS TER-PLANNED COMMU NITY

SP E CTACULAR UP CO UN TRY L IVIN G. At Country Lane, a magnificent new master planned community has been unveiled in Whitby, beginning with a superb selection of luxurious fully detached homes.

Welcoming entrance gates, unique and engaging streetscapes, traffic-calming roundabouts, a community park and greenspace.

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

Andrin Homes has designed a spectacular collection of homes that provides the perfect place for your family to put down roots.

Visit our Sales Offices TODAY to view our selection of superb 26’, 36’ and 45’ home designs!

Learn more: AndrinHomes.com

Sales Office: 4145 Country Lane, Whitby Hours: Mon-Thur: 1pm - 8pm Fridays: Closed Sat, Sun, & Holidays: 11am - 6pm

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2016-09-12 3:48 PM

Property Profile | ANDRIN HOMES

The Ashberry Elevation B

Andrin Homes introduces 26-ft. lot homes at Country Lane One of Whitby’s most successful master-planned communities IN WHAT CAN BE DESCRIBED only as a

new age in community living, Andrin Homes just released the third phase of the highly successful master-planned community, Country Lane.

Following the unprecedented success of the community’s first two phases, Country Lane’s distinct architectural designs have made it one of Whitby’s most coveted new-home communities. Featuring beautifully landscaped streetscapes, traffic calming roundabouts and meticulously designed up-country style homes, Country Lane has redefined country living in Whitby.

Across from a picturesque ravine, Country Lane’s third phase will be bringing a new element of design to

the already flourishing community.

Set on 26-ft. lots, the new enclave of single-detached homes will feature designer-inspired interiors with bright, open concept floorplans.

Imbued with quality craftsmanship throughout, Country Lane homes are available in three- and fourbedroom layouts.

Priced from the $700’s, exteriors at Country Lane effortlessly bridge the traditional and the modern featuring precast stone accents and sills, clay brick masonry detailing, and prefinished architectural board and vinyl siding. Other features include Energy Star oversized steel-clad insulated entry doors as well as Energy Star low maintenance Low-E, argon filled vinyl

casement windows.

Interior finishes at Country Lane include nine-ft. ceiling heights, natural finish oak hardwood flooring in the main floor principal rooms, and natural finish oak staircases and handrails. The gourmet eat-in kitchens are open and spacious, featuring sleek custom cabinetry, extended breakfast bars, ceramic tile backsplash and granite countertops and walk-in pantries. Entertaining in comfort and style, the formal dining rooms have direct access to the kitchen making serving a breeze – with an option for a designer wet bar.

A true outdoor oasis, Country Lane will feature distinctive entry gates for a true sense of place, as well as

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Location

Whitby Builder

Andrin Homes Development

Country Lane Home Type

Single-detached homes on 26-ft. lots Sales centre

4145 Country Lane, open Monday to Thursday 1 to 8 p.m., Friday closed, open Saturday, Sunday and holidays 11 a.m. to 6 p.m.

Contact Kitchen

905.442.0189, andrinhomes.com sales@andrincountrylane.com

Living room/dining room

Chef’s pantry

walking trails that lead to the pathways of the Herber Down Conservation Area. Offering a variety of outdoor activities, residents will enjoy fishing, camping and picnicking throughout the conservation area; nature walks through the natural valley of the Lynde Creek will also provide beautiful scenic vistas. In addition to the town’s abundance of parklands, recreational and waterfront trails, Country Lane will also feature an active park with a splash pad and baseball field.

Whitby also offers a long list of arts and cultural venues including a 54,000-sq.-ft. public library, the Whitby Courthouse Theatre, the Whitby Historical Museum and the Station Art Gallery.

Situated in the heart of Whitby, Country Lane is minutes away from excellent schools, local shops and restaurants, world-class golf courses and charming outdoor markets. The Whitby Farmer’s Market features an excellent variety of shops as well as numerous events throughout the year including Whitby Harbour Day (an annual celebration that highlights Whitby’s harbour facilities and the annual Country Town Carnival on Canada Day).

At Country Lane, residents are well connected to all major attractions via public transit. The GO Transit Station and Hwy. 401 are conveniently nearby for an easy 30-minute commute to downtown Toronto.

A short distance to the hustle and bustle without being in it, residents will enjoy the clean, small-town style family community that Whitby is so perfectly known for.

Visit the Country Lane sales office today – the sales staff would be happy to show you around!

The Country Lane Presentation Centre is located at 4145 Country Lane in Whitby. Hours are Monday to Thursday from 1 to 8 p.m., Friday closed, and Saturday, Sunday and holidays from 11 a.m. to 6 p.m.

For more information, call 905.442.0189, email sales@ andrincountrylane.com or visit andrinhomes.com SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 49

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Trending

Shape your space at the Toronto Fall Home Show THE TORONTO FALL HOME SHOW

has a new home! For its 28th year, Toronto’s largest Fall Home Show will be held at the Enercare Centre, Exhibition Place (100 Princes’ Blvd.), beginning Friday, Sept. 23 and running until Sunday, Sept. 25. Over time, our spaces can get away from us — they fill with clutter and fall out of date. Get the inspiration and tips you need to organize your space, big or small, effectively. Get up to speed on the latest styles, discover innovative products, explore concepts for your next reno and shop great deals from more than 300 retailers. Everything you need to shape your space is waiting for you at the Toronto Fall Home Show, featuring industry pros and experts including Kimberley Seldon, Frank Ferragine, Damon Bennett, Kate Campbell, Sharon Grech, Chris Palmer, Jennylyn Pringle, Michael Penney and many more. For more information or tickets, call 416.644.5400 or visit fallhomeshow.com “Become inspired and informed with helpful advice, thousands of ideas, and the latest products at the Toronto Fall Home Show,” says Tina Holmes, show manager. “There is so much to experience on the vibrant show floor, from new Virtual Reality and recycling the old with upcycle masterpieces to creative and fun ways to make your space unique whether a house or a condo. Visitors come to the Toronto Fall Home Show to gather inspiration and get tips for tackling their reno and design challenges, discovering small space inspiration and choosing the right products for their next project.”

MORE TRENDING ONLINE ypnexthome.ca/news

» NEW 2016 TORONTO FALL HOME SHOW VENUE & LOCATION: Enercare Centre (Formerly the Direct Energy Centre), Exhibition Place, 100 Princes’ Blvd., Toronto » NEW 2016 TORONTO FALL SHOW DATES AND HOURS: Friday, Sept. 23 …………………………………………… 10 a.m. to 8 p.m.

Saturday, Sept. 24 ………………………………………… 10 a.m. to 8 p.m.

Sunday, Sept. 25 …………………………………………… 10 a.m. to 6 p.m. *Free Parking after 5 p.m. on Friday, Sept. 23. » ADMISSION: Adults ………………………………………………$15 at the door / $12 online Senior (65+) ……………………………………$13 at the door / $10 online Children 13-17 …………………………………$13 at the door / $10 online Children 12 years & Under ……………FREE » STAY CONNECTED WITH THE TORONTO FALL HOME SHOW: Twitter ………………………………………………@HomeShowsTO Instagram …………………………………………@homeshowsto Facebook …………………………………………facebook.com/torontohomeshows Pinterest …………………………………………pinterest.com/torontohomeshow Website ……………………………………………fallhomeshow.com Blog …………………………………………………torontohomeshows.com Hashtag ……………………………………………#FallhomeshowTO

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Inspiration | STYLE FILE

Create a cosy bedroom

in five easy steps

By Lisa Canning

BEDROOMS ARE ONE OF my favourite rooms to design as I argue they have the most impact on our quality of life. So when a client hired me to consult on her son’s bedroom design, I was so excited to help her create a space that would be warm and cosy and conducive to rest and relaxation.

Here my top strategies for creating a cozy bedroom:

The key in painting a bedroom dark — and not having it feel like a cavernous dungeon — is to ensure that it is well lit. I always prefer a layered lighting plan; overhead lighting paired with wall sconces or lamps for function.

The other key for using dark paint successfully is to ensure there is an element of contrast. In this client’s son’s room, we added contrast with the white bedding and textured wall art.

1 | Paint it deep and dark

2 | Use warm woods

I am such a fan of painting walls dark in a bedroom. The impact a dark hue has on a space can be not only visually striking, but also create a cosy dark space that’s ideal for sleep.

A big feature in this bedroom is the beautiful bed and side tables we selected from Artemano. There is something about the natural texture and colour of wood grain …continued on page 54

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COMING this FALL

REGISTER NOW

TOWNS / SEMIS / SINGLES HWY 401

Fusing urban living and a traditional environment, Saddle Ridge in Milton

N

LOCATED AT BRONTE STREET & BRITANNIA ROAD

TRAFALGAR RD.

and restaurants in Escarpment Country.

BRONTE ST.

beautiful views attract tourists and residents alike to enjoy events, shops

TREMAINE RD.

has the best of all worlds. Situated at the base of the Niagara Escarpment,

JAMES SNOW PKWY

DERRY RD.

BRITANNIA RD.

HWY 407

Register online at SaddleRidgeMilton.com

* Information correct at press time. Map not to scale. Conditions may apply. E. & O. E.

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MORE ADVICE ONLINE ypnexthome.ca/news/advice

…continued from page 52

that is so warm and inviting. Paired with matching side tables, these pieces have a strong masculine presence.

For a lighter or more feminine look, consider pairing a textured wood bed like this with painted night stands. We continued the wood trend in custom stained built-in shelves above a white and wood desk, and a mid-century modern desk chair.

3 | Vary your textiles One of the simplest ways to make a bedroom cosy is through textiles. Start with the bed. Layer softer fabrics like cottons and linens with textured furs, chenilles and velvets for variety. Don’t forget the floor too — a patterned wool rug or fur scatter rug creates a comfy place for feet to touch down first thing in the morning. And don’t forget about windows — I love drapes with black-out lining for uninterrupted sleep.

Consider customizing drapes and using that same fabric in throw pillows on the bed for a cohesive look.

4 | Create a reading nook If space allows, a comfy chair to curl up in is another cosy element in a bedroom. Since this room is small, we opted for a chair on legs with a compact silhouette to balance out the heavy stature of the wood bed. To keep the space serene, we kept the chair in a colour close to the wall hue, and kept the grey theme going with a dresser from Casalife. The dresser will also (hopefully) help avoid having the chair become a catch-all for laundry.

5 | Make it personal To me, a cosy space is one that also tells a story of the people that live there. We made sure the client’s son’s story was told through art on the walls and through displaying many of his childhood trophies and personal momentos on floating shelves. These personal artifacts bring life and visual interest to a room’s design and are integral to creating a space that’s warm and inviting.

Lisa Canning is a Toronto-based designer who specializes in two-hour interior design consultations in the GTA and beyond. Learn more about her consulting services at lisacanning.ca

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Inspiration | Q&A

YANIC SIMARD ON

CREATING CUSTOM

By Elisa Krovblit | Photos Brandon Barre

WHEN YOU HIRE A DESIGNER, the space they create for you is, of course, custom. But the elements in that room — are they a carefully curated collection that will work in your space or are they custom made, just for you?

New Home Guide caught up with celebrity designer Yanic Simard, principal of the award-winning boutique firm Toronto Interior Design Group (tidg.ca), to ask him about custom pieces, and he’s given us some amazing insight into creating the best custom essentials for your home.

New Home Guide: Why custom?

Yanic Simard: My idea of comfort is living in a space that feels right — a personal retreat where you end up at the end of the day, and it just feels good. Going custom is the best way to achieve that.

NHG: Custom can be costly. Are there cost-effective ways to get custom looks?

YS: Upholstery. Custom upholstering an entire piece of furniture, such as an armchair or a sofa, can quickly add up. But focusing on something simple, like the seats of dining chairs, can be a small investment with a big payoff.

This approach also gives you the opportunity to create a lot of looks that you are unlikely to find in a store, such as matching your drapery to a chair back for a statement that says “custom,” loud and clear. This also provides an opportunity to use a small amount of high-end fabric for accents and apply a plainer and more durable material to high-impact areas, such as the seat, for the best of both worlds (and a balanced budget).

NHG: Are there areas where you more strongly recommend going the custom route?

YS: Drapery. As with upholstery, custom draperies can require investing in materials and labour. However, a custom drapery treatment is by far the best way to achieve an elegant look, especially for windows of an unusual size or walls that do not perfectly suit a pre-made panel. This is why custom drapery is generally considered worth the investment.

In many cases it is possible to extend a ready-made panel instead of starting from scratch. In much less time than it takes to make a panel from scratch, a seamstress (or skilled DIYer) can cut the bottom of a packaged curtain and attach a panel of a second fabric, creating a perfect-length, colour-block statement without the full price tag.

NHG: Do you recommend customizing pieces of furniture?

YS: Creating a custom piece of furniture for a client is many designers’ dream, but it can sound more like a nightmare for homeowners. The cost, time, imagination and decisions required can make choosing a custom piece seem overwhelming compared to simply dropping by a store and walking away with a new find. …continued on page 58

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…continued from page 56

NHG: Are there any design issues that are more easily overcome with custom options, where you tend to prefer custom?

YS: Mirrors for the bathroom. Custom inset mirrors solve a lot of issues in bathroom design. They expand a space visually, and they also replace a large area of tile, allowing a seamless, fully tiled look without requiring as much material to be purchased. When you use a mirror wall to wall or floor to ceiling — and skip the frame cost — you’ll save even more while getting a perfectly polished look.

It’s a good idea especially in a compact bathroom, letting you splurge on a smaller amount of must-have stone and doubling the look of it.

NHG: What are some of the current trends in customization?

YS: There’s a big trend to upcycle, so if what you have is in good condition, customizing the finish is becoming a popular option. Beautiful, colourful cabinetry can be rare, especially in the exact hue of your choice. In fact, you’re more likely to find a dated or drab shade if you’re living in an older home.

If the existing units are in good condition, having the fronts sprayed with a new finish can be very reasonable in price compared to a full replacement.

The same can be said for salvaged vanities. Whether your look is eclectic, traditional, modern or rustic, a salvaged furniture piece used as a vanity can make for an excellent twist in any bathroom. A simple coat of paint (or just a sealant to keep worn-in character as is), a few cuts and a basic block vessel sink can transform nearly any furniture piece into a bathroom vanity. You can also try adding a solid slab to create a more traditional countertop, or take an inexpensive cabinet frame and replace just the doors to achieve a unique look while still providing plenty of closed storage.

Yanic Simard

NHG: Are there any customizations that are particularly influenced by the client?

YS: Art — this is definitely one element that needs to speak to the client on another level. In a Miami condo space I recently designed, I wanted to bring a sense of South Beach artistic flair without letting it swallow the budget. I found high-resolution images created by a local artist online and had them printed directly onto acrylic. If you want to customize art for yourself, ask a local printer what materials they can print on, and try something fun, like canvas, cloth, parchment, plastic or even wood. The result will be unique art pieces with a true artistic story, but without the art-auction price.

And of course, there are also many good reasons to buy a one-of-a-kind original piece of art from your local gallery.

Sometimes just a little change goes a beautifully long way.

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Advice | LEGALLY SPEAKING

The law of good faith (or the lack thereof)

By Jayson Schwarz

MORE ADVICE ONLINE ypnexthome.ca/news/advice

THE SUPREME COURT of Canada has said that good faith is not a requirement by either side in the negotiation of a contract. They went on to say that once the contract is signed there is an obligation to perform in good faith. What does this mean to you, the homebuyer?

1. The most important thing to remember is that if it is not in writing, in the Agreement of Purchase and Sale, it is not binding on either side.

2. It does not matter what the agent says or promises (see 1 above).

3. It does not matter what is written in the brochure or advertised at the sales office (see 1 above).

4. Every Agreement should be reviewed by a lawyer who knows real estate before it is binding.

5. Only your lawyer has a legal, moral and ethical requirement to protect and put you first.

6. Every Agreement should be conditional on the lawyer’s review and the condition must be in writing — keep it that simple. Some Agreements have condition clauses that are all mumbo jumbo and do not let you really change anything.

Also, make sure some time for review is allotted and sufficient.

Okay, the Agreement is signed, reviewed, amended and ready. Now what? The parties must thereafter act in good faith to complete the contract in accordance with the terms of the Agreement.

“The most important thing to remember is that if it is not in writing, in the Agreement of Purchase and Sale, it is not binding on either side.”

Remember, most builders and their salespeople are honest, caring individuals who want to deliver a quality product. Just be careful not to bite into the bad apple in the bunch.

Happy home hunting!

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

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Advice | STAT CHAT

Why shouldn’t it be expensive to live in one of the best cities in the world?

By Ben Myers

MORE ADVICE ONLINE ypnexthome.ca/news/advice

THE ECONOMIST INTELLIGENCE

Unit recently published a ranking of the “World’s most livable cities” and Toronto ranked fourth behind Melbourne, Vienna and Vancouver.

According to the Knight Frank Prime Global Cities Index, Melbourne residential house prices are up 11 per cent annually (fifth highest ranking), while Vancouver prices were the strongest globally, jumping 36 per cent year-over-year. Toronto prices were up 13 per cent over Q22015, ranking fourth on the Knight Frank list. It should be no surprise that the most livable cities are the ones experiencing the highest house price growth.

In June, I took a course entitled Global Real Estate Trends at MIT in Boston, and we discussed the factors that can lead to high house prices.

A few of the examples were: natural boundaries such as water or country borders; man-made boundaries such as urban containment areas, environmental protection of farmland; and tight planning regulations, which are particularly relevant to Toronto.

Housing supply is restricted by Lake Ontario, the Greenbelt and some questionable planning decisions.

My first job after university was tracking the housing market in Dallas.

I was shocked at how low prices were. In 2001, I could have bought a brand new single-detached house for $60,000. Housing was so inexpensive because development could expand in all directions (due to no major

boundaries), which Toronto cannot.

Based on my international work experience, executive education and my employment, I have taken a strong interest in housing prices in other markets. Let me tell you, there are a lot of people in Vancouver, London, Melbourne and Auckland that are angry about property values.

Although many Torontonians like to complain about condominiums, they provide an affordable alternative to the million-dollar homes that are out of reach for the average household.

With new discussions and announcements about new largescale public parks, new bicycle infrastructure, new subway stations, and an improved waterfront, the GTA is making a commitment to making city and condo living just as comfortable and welcoming as a single-detached home.

A look around the globe will tell you that high house price appreciation may take a few years off every once in a while, but it is trending upwards across the major international cities in the long run.

If you have the financial resources,

feel comfortable with your career and employment but are still on the fence, I suggest you seriously take a look at buying a home in 2016.

Purchasing a pre-construction condominium can provide you with the opportunity to take advantage of house price gains without the burden of a mortgage — just be prepared to wait two to three years to take possession of your unit.

The GTA and Toronto are internationally-recognized as one of the best places to live in the world.

I’m not saying you have to like it, but you should accept the fact that house prices are going to be high on average. Condos and other options can be a fantastic alternative to get access to one of the world’s premier cities.

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

Follow his blog posts and commentary on the Canadian housing market at fortressrealdevelopments.com/news or follow him on Twitter at @benmyers29.

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Neighbourhood Profile

Unionville Thriving heritage village a sought-after destination

By Sonia Bell

demand and the housing prices continue to skyrocket. An increase in condo developments and new townhouses, set at more reasonable prices, are drawing first-time buyers.

ypnexthome.ca/unionville-neighbourhood

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

SH

Planes, trains & automobiles The 407 is easily accessible, but can be expensive to use. Unionville GO Station means downtown Toronto is a short commute along the Stouffville line. VIVA bus service also makes stops throughout the GTA. By car, the airport is about 30 minutes away and downtown Toronto 34 kilometres.

MORE PHOTOS ONLINE

UNIONVILLE IS A THRIVING heritage

c

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

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

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

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

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

The good, the bad & the rest There are multiple grocery stores in the area and Markville Mall is the main shopping centre. The majority of the nightlife takes place on Main Street Unionville, where there are a number of restaurants and pubs. The area’s diversity is reflected in the variety of ethnic food restaurants, making it a hot spot for foodies. The Markham Centre is well into its development and will provide residents with a unique downtown area comprising both residential and commercial spaces.

Real estate There is an immense amount of development in the area, causing some concern regarding its gentrification and whether the town will be able to sustain its historic edge. Due to the constant building in and around the neighbourhood and the growing population, the streets are also becoming increasingly congested.

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

IN

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

IN THIS SECTION

» MAPS AND LISTINGS FOR NEW-HOME COMMUNITIES IN THE CENTRAL AND NORTH REGION » BUILDER NEWS AND THE LATEST IN NEW HOMES IN THE CENTRAL AND NORTH REGION SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 65

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Trending

5th Annual Upcycle Challenge Storage Solutions in support of Habitat for Humanity GTA

By Tina Holmes

CELEBRITY EXPERTS and emerging decor and DIY experts are taking part in the fifth annual Upcycle Challenge at the Toronto Fall Home Show at the Enercare Centre, Exhibition Place beginning Friday, Sept. 24 and running until Sunday, Sept. 25.

Confirmed participants include: Evelyn Eshun, interior designer, Evelyn Eshun Interiors; Carson Arthur, international landscape designer and outdoor expert, Cityline expert and star on HGTV’s Home to Win; LeighAnn Allaire Perrault, DIY ninja and Cityline expert; Chris Palmer, founder of Hand Crafted by Chris Palmer, Clare Kumar, professional organizer; Jordan Spear, DIY, craftsman and carpenter; David White, designer, David White Design; Erica Gelman, designer, House Of Design; Janice Feda, colour and design specialist; Anne Renshaw, interior designer; Anna Rocoski (Toronto Home Shows); Cristina Barbosa (Toronto Home Shows); and Michael Penney, designer and owner, Penney and Company.

“I love the concept of the Upcycle Challenge, taking something from a Habitat for Humanity ReStore and giving it new meaning,” says Carson Arthur. “I am a huge fan of redefining items so that they work for today’s lifestyle. Our lives are constantly evolving, so should our furniture, but it doesn’t mean that we have to throw out the old in favour of the new.”

Revolving around this year’s Challenge theme of storage solutions, participants chose a piece from any of the 10 Habitat for Humanity GTA ReStores and were given free rein to be as creative and unique as their DIY minds would allow to design and upcycle a piece that will offer additional storage and organization options.

“I used an old radio cabinet as the base and an old kitchen cupboard as the top,” said Michael Penney. “I added two pine shelves and a bit of trim moulding from Home Depot to make the cabinet a proper hutch. I added some beadboard panelling to the back and new knobs to add a funky touch. Then I painted the outside Lily Pond from the Penney & Co Collection and Prairie Sunset for the interior then loaded it up with dishes and kitchen items for a great storage unit!”

Arthur created a seat for a child with storage for shoes or toys under it from an art deco set of drawers. “I went with bright colours and bold stripes to add wow into a space but also to add a little fun into a functional piece,” he says. “My inspiration came from my nephew who can never sit still to put on his shoes. All of the backs of his

AFTER

BEFORE Carson Arthur

Evelyn Eshun

AFTER

BEFORE

…continued on page 68

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…continued from page 66

About The Toronto Fall Home Show AFTER

In its 28th year, the Toronto Fall Home Show is Toronto’s largest fall consumer show with more than 32,000 people attending the show annually, seeking helpful advice, solutions and new products for in and around their homes. Visit fallhomeshow.com for full show details.

“I love the concept of the Upcycle Challenge, taking something from a Habitat for Humanity ReStore and giving it new meaning,” – Carson Arthur

BEFORE

Jordan Spears

Michael Penney

AFTER

BEFORE

sneakers are flattened because he just jams his feet in and off he goes.”

On her trip to a Habitat ReStore, Eshun was inspired by a wall sconce and quickly picked it up before someone else did and added a mirror and brackets to her purchase. She had an MDF board cut to create a base for the wall sconce and added a shelf that she siliconed to a mirror.

“The finished product is a dressing mirror, which can be mounted in a bedroom,” says Eshun. “The shelf is perfect for perfume and make-up, and you can hang some necklaces and scarves on it as well. The mirror is ideal for checking hair and lipstick on the way out the door.”

For Spear, DIY is about saving money. As a handyman and carpenter, he can upcycle used materials to create and tailor a specific project that is totally one of a kind and budget friendly. For the Upcycle Challenge, he created a great storage cabinet constructed entirely out of two doors and a mirror. The plan was to make it look old and retain the vintage character while still being functional, well built, and good looking.

“My inspiration comes from my love of antiques and unique one-off pieces, and the fact that it’s difficult sometimes to find that right piece for the home,” says Spear. “Living in a 160-year-old farmhouse presents challenges for finding the right furniture and decor, so to build my own with vintage charm and modern function satisfies that dilemma. People tend to throw away old furniture and materials, when, with a little creativity, these materials can be saved from the landfill and live a new life as something functional and unique.”

All entries will be displayed and will be on sale at the Toronto Fall Home Show, with proceeds going to support Habitat for Humanity GTA. An online voting contest also ran from Sept. 15 to 23, allowing people to vote for their favourite upcycle masterpiece.

Tina Holmes is the show manager for the Toronto Fall Home Show. Her over 20 years in the industry makes her a leading authority on the in’s and out’s of home decor and renovation. You can find Tina on Twitter at @HomeShowsTO in addition to @tinalovespinot where she dishes on the hottest decor tips and trends for each season fallhomeshow.com

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Inspiration | DOWNSIZING

SUCCESSFULLY TRANSITIONING

TO SMALL SPACE LIVING

By Clare Kumar

PLANNING THE SPACE Grab graph paper, a pencil and ruler and draw out each room.

I FOUND IT! AFTER SEARCHING FOR SEVERAL WEEKS, I just

signed the lease on a corner unit with magnificent water views. Now the fun begins. For the past eleven years, I’ve been helping my clients make the transition to smaller spaces, and it’s time for me to practice what I preach.

Any move is stressful, but when you’re shrinking your real estate, there are even greater challenges. Here are a few tips to ensure you love your new place.

Choosing Your Unit To set yourself up for success, you’ll want to be clear on two things: a. How you want to spend your time. Figure out what kind of space (rooms and storage) you need to support your activities. b. How you want the space to feel. Do you prefer minimalist or densely packed, neutral or colourful, traditional or modern? Articulate your vision or simply collect images that reflect what you’re aiming for.

Along with your preferences for location, light and privacy, these become your ideal space specs that will guide your future choices.

Planning the space When you’ve locked in on a unit that meets your needs, you’ll want to develop a “space plan” to help you fit in your must-haves. Try to obtain the floorplan which serves as a first pass planning tool. It may not be 100 per cent accurate, so be sure to take your own room measurements as well. Don’t forget to measure ceiling heights as they often vary even within a unit.

Next, grab graph paper, a pencil and ruler, and draw out each room. If you want to do this digitally and in 3D, try roomsketcher.com. Note which way doors open, window positions and mechanisms, the location of electrical and cable outlets, light switches and any vents.

Measure your existing furniture pieces. Draw them to scale and cut the pieces out so you can test placing them

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in different ways. It’s much easier to move paper around than a heavy bookcase! Be sure to consider light, heat sources and power supply as you place furniture. You’ll want to maintain 30 in. for high traffic paths and allow 36 in. of space for dining or office chairs to be moved comfortably.

You’ll often find that a piece that worked in one space simply doesn’t fit in your new space. Don’t be afraid to repurpose furniture in a different way, especially if you love it.

If there are gaps, then it’s time to source new pieces.

Keep maximum measurements for furniture and storage pieces firmly in mind. Use your choices about how you want the space to feel and any overarching theme to guide your purchases.

Claire Kumar at The Toronto Fall Home Show Clare will be speaking about Savvy Strategies for Small Space Living on the Main Stage at the Toronto Fall Home Show in the Enercare Centre, Exhibition Place at 3 p.m. on Sunday, September 25.

1

Getting organized Maximize storage by developing a plan to make every storage area efficient and effective, from drawers in the kitchen to front-hall closets (Image 1).

Remember these key principles (VAMP) for organizing your items: » VISIBLE – Keep things in sight. This will make you more likely to use them » ACCESSIBLE – Place items so you’re expending the right amount of effort to retrieve them. Store daily use items at your fingertips and holiday items in harder-toreach spaces. » MANAGEABLE – Keep pieces easy and safe to manipulate by using the right containers (bigger is not always better), and organizing tools (Image 2). » PLEASING – Choose materials in colours, finishes and shapes you enjoy, or that help you keep things visually pleasing for you, and they will be a treat to use.

2

“When you’ve locked in on a unit that meets your needs, you’ll want to develop a ‘space plan’ to help you fit in your must haves.”

…continued on page 72 SEP 24 - OCT 8, 2016 | NEW HOME GUIDE 71

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…continued from page 71

TOP TIPS FOR MAXIMIZING SMALL SPACES

1 2

1

EMBRACE SPACE SAVERS – Items that compact or fold down take up less room (Image 1).

GET VERTICAL – Look for products that are modular, stack or nest so that you can best take advantage of the space you have (Image 2).

3

HEALTHY MULTI-TASKING – Clever pieces can serve you in multiple ways, for example ottomans that serve as seating, storage and a step stool (Image 3).

4

2

EASY MOVERS – Furniture on wheels gives you the ultimate in flexibility so you can easily reconfigure your space (Image 4).

5

BE CREATIVE – Think beyond a product’s intended use. For example, if your bedroom is very small, consider using a shallower depth TV stand or bookshelf as a dresser (Image 5).

MORE TRENDING ONLINE ypnexthome.ca/news

4

3

5

Clare Kumar is an executive productivity coach and professional organizer. Her company, Streamlife (streamlife.ca), offers organizing and productivity services. She also developed the Pliio Clothing Management System which helps keep clothes tidy.

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Model Home Photo Compliments of Menkes

The Enclaves of Upper Canada, Georgetown

www.menkes.com

SEPTEMBER 2016 Menkes has been featured as “Model Home of The Month� as seen in the New Home Guide model home calendar

Hot Properties

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

LATEST LISTINGS

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

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

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

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

CHELSEA MAPLE STATION – ASPEN RIDGE HOMES

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

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

COUNTRY LANE By: Andrin Homes and Heathwood Homes City: Whitby Housing type: Detached homes on 26-, 36and 45-ft. lots countrylanewhitby.com

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

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

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

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

new releases HILLLSBOROUGH HOLLAND LANDING By: Andrin Homes City: East Gwillimbury Housing type: Detached homes on 38-, 40and 45-ft. lots, starting from the low $800’s andrinhomes.com

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

SUMMERLYN VILLAGE By: Great Gulf City: Bradford Housing type: 36- and 40-ft. detached homes from the $700’s. greatgulf.com

THE ENCLAVES OF UPPER CANADA By: Menkes City: Georgetown Housing type: 40-ft. detached homes starting from the mid-$800s menkes.com

…continued on page 76

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LATEST LISTINGS

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

…continued from page 74

preview registration

ALDERIDGE – MATTAMY HOMES

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

DOWNSVIEW PARK By: Stafford Homes City: Downsview Housing type: Luxury townhome collection from the $800’s staffordhomes.ca

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

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

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

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

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

HERITAGE TOWNS By: Montevello Developments City: Toronto Housing type: Townhomes in Junction Triangle from 1,593 sq. ft. from high $700’s heritagetowns.ca

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

ANCHOR WOODS

THE VILLAGES OF KILLARNEY BEACH By: Ballymore Homes City: Innisfil Housing type: Detached homes on 40- and 50-ft. lots. Prices starting from the mid-$500’s ballymorehomes.com

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

WHITBY CENTRAL

REAL TOWNS

THE BROOK

By: Madison Homes City: Thornhill Housing type: Townhomes starting from the $900’s madisonhomes.ca

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

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

By: Brookfield Residential City: Whitby Housing type: Single-detached homes in a family neighbourhod brookfieldhomes.ca

KLEINBURG SUMMIT By: Mattamy Homes City: Vaughan Housing type: Upscale towns and detached homes mattamyhomes.com

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

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

76 YPNEXTHOME.CA

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Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS

variable

ATB Financial

2.6

Alterna Bank

2.45

Bank of Montreal Bank of Nova Scotia

1 year

2 years

3 years

4 years

5 years

4 4.00op 4 6.30op

2.94 4.00op 2.79 6.30op 3.09 6.95op 3.29 6.50op 3.14 6.30op 2.84 6.35op 3.14 3.14 6.35op 2.84 3 3.20op 3.14 6.70op

2.29 4.00op 2.34

2.44

2.49

2.59

2.4

2.69

2.48

3.19

3.59

4.09

2.59

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.79

2.44

4.09

4.79

3.04 2.7

3.65 3.39

4.39 4.09

4.64 2.7

2.84 2.94

2.84 2.84

2.89 2.79

2.89 2.89

3.04

3.39

2.64

2.74

2.79 2.34

3.34 2.44

3.99 4.39

4.44 4.64

2.84

3.39

2.39

2.59

3.24

3.49

3.69

3.79

2.7 2.9

Canadian Western Bank CIBC

6 months

6.95op 4.55 6.45op 4 6.45op

2.7 6.95op

Equitable Bank HSBC Bank Canada

2.79

ICICI Bank Canada Manulife Bank

2.75 2.6

National Bank

n/a

President’s Choice Finan Royal Bank

2.7 2.6

TD Canada Trust

2.6

Tangerine

2.7

4.45 6.20op 4.45 4.4 6.70op

6.75op

3.14 6.75op 2.99 6.30op 3.19

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Investors Group Trust

2.3 n/a

MTCC

2.9

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op

3.25 3.5

3.95 3.7

4.39 4.3

4.74 4.35

2.14 3.09

2.34 3.39

2.59 3.89

2.49 2.45

3.09

3.39

3.89

4.49

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

2.79 6.30op 2.84 6.30op 2.29 2.89 6.50op 3.14 6.30op 3.25 6.25op 2.84 6.30op 2.99 6.30op 2.8 2.95op 2.39

2.34

2.4

2.69

2.48

2.89

2.95

2.99

2.89

2.24 2.79

2.39 2.89

2.49 2.95

2.49 2.89

3.09

3.39

3.89

4.74

3.2

3.65

4

4.5

2.79

2.64

3.89

2.44

2.69

3.49

3.99

4.54

2.85

2.95

3.05

3.15

2.39

2.39

2.49

2.49

OTHER FINANCIAL INSTITUTIONS Alterna Savings

2.45

Comtech Fire C.U.

2.6

First National Fin. LP IC Savings

2.7

London Life

n/a

Luminus Financial

3.25

Meridian Credit Union

2.4

PACE Savings & C.U.

4 5 6.70op

Parama Credit Union

2.65

Steinbach Credit Union

2.25

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

R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE Sep 12, 2016. Prepared By Fiscal Agents Financial Information Services 905.844.7700

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projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

25

Fieldgate Homes

Whitby Meadows

fieldgatehomes.com

D

T

Mattamy Homes

Seaton

www.mattamyhomes.com

D

T

Treasure Hill Homes

Shift

treasurehill.com

Tribute Communities

Corporate

mytribute.ca

D

Tribute Communities

Park Ridge

mytribute.ca

D

Tribute Communities

U.C.Towns

mytribute.ca

D

Andrin Homes

Hillsborough Holland Landing

andrinhomes.com

D

Aspen Ridge Homes

King Country Estates

905-558-0255

D

Aspen Ridge Homes

Queensville

yourqueensville.ca

D

29

Averton Homes

Victoria Highlands

416-924-0110

D

29

Averton Homes

Village Green

Averton.ca

67

Ballymore Homes

Mill Street Village

millstreethomes.com

45

Ballymore Homes

The Villages of Killarney Beach

ballymorehomes.com

67

Briarwood Homes

Mill Street Village

millstreethomes.com

Briarwood Homes

Pretty River Collingwood

1-888-257-1999

from $310,000

Brookfield Residential

Fieldstone

1-855-379-1495

Brookfield Residential

Grand Central

905-778-0873

Brookfield Residential

Treetops

1-855-590-3577

Brookfield Residential

Willow Glen Tottenham

905-406-1044

Delpark Homes

Cedar Ridge

DelparkHomes.ca

21 59

SITE

CONTACT INFO

continued from page 80 PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

31

28N

44

24N

70

25N

from $650,000

88

31N

from $556,000

71

30M

from $820,000

51

18E

18

13I

from $550,000

46

20D

from $850,000

69

23E

T

from $590,000

69

23E

T

from $560,000

20

12E

20

12E

from $600,000

76

5E

from $600,000

47

16D

from $370,000

49

13A

T

from $330,000

19

11E

T

from $400,000

T

from $320,000

81

11A

T

from $390,000

12

22J

from $750,000

51

18E

from $600,000

65

20E

from $700,000

52

17D

from $350,000

T

North 5

T

S

from $550,000 S

S

T

from $560,000

Far Sight Homes

Greenfields

farsight.ca

39

Geranium Homes

Vista at Cardinal Point

vistaflatsandtowns.com

D

19

Great Gulf

Hillsborough Holland Landing

greatgulf.com

D

Great Gulf

Sharon Village

905-478-7362

Great Gulf

Summerlyn Village

905-775-3461

Mattamy Homes

The Estates of King Township

mattamyhomes.com

T

74

16I

7

Menkes

Hometown Sharon Village

menkes.com

T

54

19F

57

Regal Crest Homes

Anchorwoods Holland Landing

anchorwoods.ca

D

S

86

19E

57

Rosehaven Homes

Anchorwoods Holland Landing

anchorwoods.ca

D

S

86

19E

Treasure Hill Homes

Acacia Estates

treasurehill.com

56

16J

Treasure Hill Homes

The Estates of King Township

treasurehill.com

87

16I

Tribute Communities

Gates of Nobleton

647-633-3500

Aspen Ridge Homes

Mayfield Village

905-230-2592

D

Averton Homes

Averton Square

Averton.ca

D

21

T D

T

from $2360,000

D T

from $1000,000

18

13I

T

from $360,000

22

9L

T

from $500,000

West 29 & 55

43

25

53

BC

S

Brookfield Residential

The Village

1-866-930-0050

Dunpar Homes

Heritage Gate

416-236-9800

S

T

from $720,000

77

10S

Dunpar Homes

Trafalgar Ridge

416-318-9112

S

T

from $850,000

29

8U

Fieldgate Homes

City Towns Valley Lands in Brampton

fieldgatehomes.com

D

S

T

from $400,000

26

9P

Fieldgate Homes

Lotus Pointe Caledon

905-838-2806

D

T

from $724,000

23

8M

Fieldgate Homes

Valley Lands

905-457-0445

D

T

from $800,000

26

9P

Great Gulf

Trafalgar Landing

905-844-1605

T

from $200,000

30

8V

Great Gulf

Westfield

905-866-6876

D

from $537,000

24

8P

Greenpark Homes

Saddle Ridge

saddleridgemilton.ca

D

S

Greenpark Homes

Upper Oaks

upperoaks.ca

D

S

Mattamy Homes

Cranberry Hill

mattamyhomes.com

Mattamy Homes

Hawthorne South Village

mattamyhomes.com

T

from $634,000

59

6S

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

T

from $496,000

60

7O

Mattamy Homes

The Preserve

mattamyhomes.com

from $406,000

29

7V

Mattamy Homes

The Village of Southfileds

mattamyhomes.com

66

8M

Mattamy Homes

Topper Woods

mattamyhomes.com

from $300,000

S

T from $325,000

D

T C T

from $520,000

T

from $195,000

Mattamy Homes

Wildflowers

mattamyhomes.com

7

Menkes

The Enclaves of Upper Canada

289-891-9103

13

Primont Homes

Newtowns at Mount Pleasant

primonthomes.com

13

Primont Homes

Seasons in Caledon

primonthomes.com

Starlane Home Corporation

Lotus Pointe Caledon - Phase 2

starlanehomes.com

D

Starlane Home Corporation

Mountainview Heights

starlanehomes.com

D

S

T

Starlane Home Corporation

Saddle Ridge

saddleridgemilton.ca

D

S

T

Starlane Home Corporation

Upper Oaks

upperoaks.ca

D

S

Treasure Hill Homes

Tiara Estate Collection

treasurehill.com

53

C

D

S

from $950,000 T

S

T

from $715,000

T

T

from $1090,000

28

6O

25

7O

27

8M

23

8M

78

11L

Property Type D Detached S Semi-Detached T Townhome

TNH 09-24-16_master.indd 2 79 GTA_Map_alllistings.indd

2016-09-13 12:07 4:28 PM 2016-09-13

projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

SITE

CONTACT INFO

PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

Central Andrin Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

D

Arista Homes

Aurora Trails

aristahomes.com

D

Arista Homes

Boxgrove Village Markham

boxgrovevillage.com

Arista Homes

IMPRESSIONS

aristahomes.com

D

Arista Homes

Jefferson Forest

jeffersonforest.ca

D

Arista Homes

Vaughan Valley Estates

aristahomes.com

D

IFC

Aspen Ridge Homes

Chelsea Maple Station

aspenridgehomes.com

D

1

Aspen Ridge Homes

Corporate

aspenridgehomes.com

D

Aspen Ridge Homes

Kleinburg Hills

aspenridgehomes.com

D

Aspen Ridge Homes

Scenic on Eglinton

416-805-1781

D

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

Aspen Ridge Homes

Upper West Side

uwscommunity.com

Averton Homes

Averton Common

Averton.ca

Averton Homes

Corporate

Averton.ca

T

Averton Homes

Evolution

416-747-9691

T

Brookfield Residential

Corporate

brookfieldhomes.ca

Brookfield Residential

The Arbors

905-503-0992

Brookfield Residential

Woodhaven Aurora

WoodhavenAurora.ca

D

Fieldgate Homes

90 Niagara

416-981-0036

D

Fieldgate Homes

Aurora Trails

fieldgatehomes.com

D

25

Fieldgate Homes

BlueSky Stouffville

905-640-0002

D

25

Fieldgate Homes

City Lux Towns

fieldgatehomes.com

D

25

Fieldgate Homes

IMPRESSIONS

905-893-9500

D

Fieldgate Homes

Zigg

416-545-0223

D

Forest Hill Homes

Bridle Path of Thornhill

foresthillhomes.ca

D

Forest Hill Homes

Cornell Rouge

905-472-9556

Forest Hill Homes

Jefferson Forest

foresthillhomes.ca

D

Geranium Homes

Twelve on the Ravine - Highland Creek

12ontheravine.com

D

Great Gulf

Corporate

416-449-1340

Lakeview Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

Madison Homes

Briar Hill

madisonhomes.ca

11

Madison Homes

Cornell Rouge

905-472-9556

D

15

Madison Homes

REALTowns Thornhill

Madisonhomes.ca

Madison Homes

Thornhill Ravines

Madison Homes

23 33

29 29

27

11 37 23

S

68

18F

T

from $700,000

14

19G

T

from $850,000

15

22M

T

from $800,000

3

12K

T

from $586,000

10

18J

from $1200,000

7

14L

8

16L

T 45

13L

from $190,000

33

18Q

from $2100,000

34

17R

from $1099,000

4

17L

from $690,000

80

13L

from $320,000

75

13R

from $350,000

48

19H

from $1000,000

56

18I

T

from $346,000

35

16S

T

from $620,000

14

19G

from $900,000

12

22J

53

16L

3

12K

T T

C

D C

T S

T

from $1000,000

T

36

16R

from $2500,000

50

18E

T

from $850,000

16

23M

T

from $990,000

10

18J

T

from $1700,000

89

23P

T D

68

18F

from $500,000

1

16Q

from $850,000

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continues on page 79

TNH 09-24-16_master.indd 1 80 GTA_Map_alllistings.indd

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Property Type D Detached S Semi-Detached T Townhome

2016-09-13 12:07 4:28 PM 2016-09-13 PM

Baxter

Line

Line

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10th

11th

8th

tC an al

Ar t

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6th

d

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7th

7th

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24-25

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Sideroad 27-28 Sideroad

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r vic e Rd

Ave

Jarvis St

40

Parliament St

35

Pape Ave

Bro adv iew

e

34

Queen St W King St W Front St W

E

3

Moore Ave

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

University Ave

Lansdowne Ave

Se

Laird Dr

Avenue Rd

Mt Pleasant Rd

36

Christie St

St Clair Ave W Davenport Rd Dupont St Ossington Ave

Edgewood Rd

Brid

Toronto Spadina Rd

OakwoodAve

1

Va ug ha nR d

Eastern A

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Rd

Park

ore esh Lak

Rd

Rd

r Gr D ple Ma

Moffat Rd

Post

Dr or ds Win

19 Dr Ford

Carey St Rd

Allen Rd

Caledonia Rd

Meddaugh Rd

York Mills Rd

Lawrence Ave W

n ow thd Sou

Middletown Rd

Wilson Hts Blvd

Shep

Glencairn Ave

Rogers Rd

Roncesvalles Ave Weston Rd Keele St Parkside Dr High Pk

d nR sto We

Rd

Clarkson

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Middletown Rd

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37

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Willowdale Ave

Drewry Ave

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Downsview

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39

Thor

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Old

Centre St

71

New W estmins ter Dr

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Judson St

Runnymede Rd

Prince Edward Dr Royal York

The Queensway

82

Bathurst St

407

Keele St

Jane St

Weston Rd

Oakdale Rdy

ay sw

Norseman St

Summeridg e Dr

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75

Evans Ave Horner Ave

Dufferin St

Dufferin St

Langstaff Rd

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The West Mall d lR Mil

rry nga Gle

Rd

Peter Rupert Ave

55

Wilson Ave

Etobicoke

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Maple Leaf Dr

The Westway

Renforth Dr

QEW

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Teston Rd

McNaughton Rd

Bass Pro Mills Dr

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Islington Ave

Carlingview Dr

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Rd thra Caw

kwy nP

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Lennon Rd

Jane St

Jane St

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Weston Rd

Pine Valley Dr

Kipling Ave

400

Gamble Rd

4th e Lin

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Dr

Middletown

Fraser St

Wanda St

Rd Wist Rd Davis Holancin

Mill Rd Kipling Ave

Martin Grove Rd

Finch Ave W

Jefferson

49

Langstaff Rd

Weston Downs

Bloomington Rd

King-Vaughan Rd

Kirby Rd

Rutherford Rd

73

Dixon Rd

2

Barrie St

Sideroad 10

Coffey Rd

7th Concess ion

74

56King Rd

11

Rexdale

Burnhamthorp eR d Bloor St W

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Eastlake

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McKinstry Rd

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Rupke Rd

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107

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5th Line

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10th

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Sideroad 20 Adjala

15th Sideroad

Brown’s Rd

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8th Line

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10th Line

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5th

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projects & communities IN THIS ISSUE

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0 27

Mulmur

9th

Horning’s Mills

Riverview

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Search online or download ou

Sdrd

Boundary

9th

Rd

English Rd

7th

5th

4th

2nd

1st

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Cr

Dukelow Rd

17 Sideroad

Rd Be ac h

Ma ple

6th

Ho Port ove rR d

5th

Dawson Rd

Allin Rd

Cooney Rd

C

Jewel Rd Vickers Rd

Gamsby Rd

Lawrence Rd

Pollard Rd

35 115

Bell-wood Dr

Arthur St

Golf Course Rd

Moffat Rd

Lockhart Rd

King St Stephenson Rd

Mill St

Riley Rd

V

Squair Rd

Fowler Rd

opper Pa G r as s h rk R d

East Region

U

Kirby

Ochonski Rd

North Region

Nixon Rd

Bennett Rd

Waverly Rd

T

West Region

Darlington Clarke Townline

Providence Rd

Bowmanville P

S

Central Region

42

Leskard Rd

O

Main St

Queen St E

oners St

4

Concession Rd 3 Lambs Rd

Baseline Rd

N

Bragg Rd

Mearns St

Presto nva le R d

M tP lea sa nt Tr ail

Holmes Point Rd Victoria S

Mapl

La ke Dr

ust rial Pkwy

Duclos Rd St ou ffv ille

ed Rd

Best Rd

Mosport Rd

17

Cole Rd

Mearns Ave

Concession St 57

Bethesda Rd

14

Acres Rd

Middle St

Green Rd

Sew ells

Dick Re

River Rd

Gibbs Rd

Aked Rd

Clemens Rd Liberty Rd

r

H Corneil Rd

St

Ted Graham Rd

F Hall Rd

A Ray Rd

Skelding Rd

Concession Rd 7

R

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Concession Rd 8

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Maple Grove Rd

Hancock Rd

n sto ng Ki

Barry Moore Rd

Nesbitt Line

Cedardale Rd

Concession 7

Lotus

St Clair Ave E

Rd rth nfo Da

3rd Concession

Sand Bar Rd

View Lake Rd Mahoods Rd

Woodley Rd

Holt Rd

Rundle Rd

Trulls Rd

Courtice Rd

401

2

7A

Yelverton

20

Taunton Rd

Maple Grove

5 Concession 10

I

Cartwright East Quarter Line

Solina Rd

Washington Rd 34 Bloor St

HWY

Concession 11

Concession 4

Hampton

Salem

H

J

Cedar Park Rd

Concession Rd 6

Nash Rd

Concession 12

Concession 3

Lettner Rd

Vannest Rd

Tooley Rd

Townline Rd 59

Solina

Mitchell’s Corners

G

Johns Rd

McLaughlin Rd

Enniskillen

Old Scugog Rd

Ormiston Rd Langmaid Rd

e Murray Av

Dovehaven Rd

Hoyer Rd

Nestleton Rd

Union School Rd Wotten Rd

Enfield Rd

Townline Rd

P

East Ave Port Union Rd

ll i p

Concession Rd 10

3

Pebblestone Rd

62 hi

Valentia Rd

Ogemah Rd

Washburn Island Rd

Cartwright West Quarter Line

Graham Rd Russell Rd

Olive Ave

22 rth St Went wo

60

8855

58 King St

Bond St Gibb St

Mariposa/Ops Bdry

Bush Rd

Eldon Rd

Beacroft Rd

Mississaugas Trail

Rd

Wilson Rd

Burns St

Adelaide Ave

Park Rd

Stevenson Rd

Dundas St

35

Grandview St N

Harmony Rd

Ritson Rd

53

Mountjoy Rd

Concession Rd 7 34

Conlin Rd

54

57

Byers Rd

57

Janetville

Fallis Rd

Cadmus

McKee Rd

Concession Rd 9

33

Oshawa 52

Taylor’s Rd

White Rock Rd

Fingerboard Rd

He ad

Harmony Rd N

Simcoe St

Stevenson Rd N

Halls Rd

Pickering Beach Rd

Shoal Pt Rd

Westney Rd

Harwood Ave

Squire Beach Rd

eE Av

Sandy Beach Rd

Henry St

Hopkins St

Cochrane St

Brock St

Salem Rd

Victoria St

36

Boundary Rd

Nestleton

Devitts Rd

Burketon

Winchester Rd

4

Bradburn Rd

3

71 2

28 Ma nn in g Rd

Grandview St N

Columbus

Whitby Garden St

McQuay Blvd

Halls Rd

Ravenscroft Rd

3143

12

Ritson Rd

Thornton Rd

Columbus Rd

16

Thickson Rd

Anderson St

Country La

32

Eden Rd

Eldon Rd

Barry’s Rd

Station Rd

Stevenson Rd N

Duffs Rd Cedarbrook Tr

Cochrane St

Coronation Rd

Halls Rd N

Lyndebrook Rd

Sandy Rd

Diamond Sideroad

Bryant Sdrd

Howden Rd

26

19

Raglan Rd

Raglan

7 12

3

41

44

Ashburn Rd

Country La

Kinsale Rd

Salem Rd

Westney Rd

Riverside Dr

Church St

Ajax

24

Heron Rd

Sideline 2

Sideline 4

Greenwood Rd

Taunton Rd

Shirley Rd Coates Rd

Myrtle

Brooklin

Rossland Rd

2

Bayly St

Ashburn

5th Concession Rd

31

Scugog Line 3

t Rd

Malcolm Rd

Edgerton Rd

Church St

2

Scugog Line 2

Brawley Rd

Greenwood

HWY

Rd

Myrtle Rd

Scugog

Scugog Line 4

Chalk Lake Rd

Dagmar Rd

Balsam Rd

Paddock Rd

31

oin

Concession 14

Proutt Rd

Reach St

Grey Sideroad

Lakeridge Rd

Balsam Sideline 5

Sideline 22

Liverpool Rd

Valley Farm Rd

38

ton gs Kin

Sheppard Ave

Lawrence Ave E

High P

Mount Zion

70 Brock Rd

Whites Rd

Dixie Rd

Rosebank Rd

27

89

38 West Hill

Sideline 22

Concession Rd 3 Altona Rd

Guildwoo d P

44

Finch Ave

Sideline 12

Sideline 24

7

rd pa ep Sh

Meadowvale Rd

Bellamy Rd

Scarborough 42

Morningside Ave

Dr

Beare Rd

Milner Ave

Whitevale 4th Conc Rd

Westney Rd

Sideline 14

Sideline 22

Pickering

407

Plug Hat Rd

Military il Tra

Brim o rt on

Scarborough Golf Club Rd

Daw es R d

Coxwell Ave

Woodbine Ave

Greenwood Ave Donlands Ave Jones Ave

Victoria Park Ave

Midland Ave

Birchmount Rd

Pharmacy Ave

th Pa idle

Eglinton Ave E

Sewells Rd

Ellesmere Rd

Brimley Rd

Don Vally Pkwy

Don Mills Rd

Neilso n R d

Nugget Ave

Old Finch Ave Rd

Sideline 14

Sideline 16

Sideline 20

Sideline 24

North Rd

Sideline 28

Steeles Ave E

E Ave evin McL

401

rD no

Sideline 26

71

Box Grove

Tapscott Rd

Middlefield Rd

Leslie St

tingwood Dr H un Sheppard Ave

O’Co n

7

11th Line

ark Dr

Denison St

404

Mortimer Ave

Sideline 34

14th Ave

71

Markham Rd

n Rd Alde

ppard Ave

er Ov

7th Concession Rd

Whitevale Rd

Agincourt

Eglinton Ave W

wy

7

Passmore Ave

33lea Blvd

ns P k

17 16 Locust Hill 55

HWY

McNicoll Ave

st Rd

u se

Markham-Pickering Townline

Co

9th Line

Unionville

Esna P

mmer Ave

Ave

d

Main St

Woodbine Ave

Leslie St 12

rnhill

owdale

17th Ave

Markham 73

7

John St

Major Mackenzie Dr

25

al

16th Ave

69

Reesor Rd

6

67

Glen Major

1

8th Concession Rd

57

Jobb Rd

Uxbridge Pickering Townline

Claremont

Pine Pt Rd

Ma Brown’s Rd

Beacock Rd

Pine Rd

Webb Rd

5

Elgin Mills Rd

Houston Rd

Allbright Rd

Altona

Dicksons Hill

48

D on

Warden Ave

mond Hill

65 Kennedy Rd

Victoria Square

McCowan Rd

919th Ave

29

41 49

Stouffville 12

Main St

Sideline 32

Jefferson

Glasgow

10th Line

d

Stouffville Rd

14

Sideroad St

Markham Rd

10

Bethesda Rd

Bethesda

Rd

Scugog Line 6

Rd st Ma

Sunset Beach Rd

Secord Rd

F

Rainbow Ridge Rd

Mabels Rd

L AKE SCUGOG

Utica

Brock Rd

Yonge St

Whitchurch-stouffville

Demara Rd

nd Isla

Epsom

Cottage Rd

7 Mile Chandler Dr Island Rd

Scugog Line 8

Ried Rd

40 34

.

La

Pogue Rd

Whitfield Rd

8 Ward Rd

21

47

Sim coe St

R

Goodwood Rd

HWY

Sideroad 18

Uxbridge

Prouse Rd

47

E

7

Harper Rd

Scugog Line 9

HWY

Scugog Line 9

ier oz Cr

7

Cross Creek Rd

28

16

Clements Rd

Till Sdrd

Brookdale Rd

Old Simcoe Rd

St

Medd Rd

Wagg Rd

Hillsdale Dr

Sideroad 18A

O’Beirn Rd

43Reach

8th Conc Rd

d

47

7th Conc Rd

Vandorf Rd

56 Aurora

Ridge Rd

Jesse Thomson Rd

HWY

Ramsey Rd

Li 17

Kent St

4

Cricket Hollow Rd

D

Seagrave

Hood Dr

C

Ranch Rd

Algonquin Rd

Cookston Rd

4

Long Rd

Little Britain Rd

Little Britain Rd

Zion Rd

Fenelon Bdry

Dewdrop Rd

Cresswell Rd

Salem Rd

Royal Oak Rd

Scugog Line 12

Cragg Rd Canton Rd

8

6th Conc Rd

8

Aurora Rd Lak es

3nd Concession Rd

Ballantrae 15

Ball Rd

Roseville Siloam

St Johns Rd

Wesley Cors

Scugog Line 12

23

4th Conc Rd

St John’s Rd

7 12

Marsh Hill

Uxbridge

e hor

nderson Dr

Feasby Rd

2nd Concession Rd

72

Woodbine Ave

48 57

Bayview Ave

Wellington St

14

26

Sideroad 18A

Cherry St Faulkner Ave

Bogarttown

Saintfield Blue Mountain Rd

Marsh Hill Rd

1

St John’s Sideroad

Bow St

Cedar Valley

Vivian Rd

74

6

B

Taylor Corners

Farmstead Rd

Kawartha Lakes

Brock-Scugog Townline Rd

Spadina Sdrd

Mulock Dr

Farmstead Rd

Little Britain Rd

Scugog Line 14

1

Davis Dr

York-Durham Line

Newmarket

7 7th Concession

6

Oakwood

7A

Cambray

GrahamRd Skyline Rd

2nd Concession

Victoria Corners

A

18

Manilla

13

Victoria Corners Rd

9

Quaker Rd

9th Concession

Pinedale

Foster Dr

Goos

33 The Glen Rd 34

Peniel Rd

6th Concession

Blackwater Rd

Davis Dr

11

Wetheral Sdrd

68

Sandford

Sandford Rd

Sideroad 17

West Franklin

4th Concession

21

Cameron 9

Rd

46

10th Concession

Sunderland

Sideroad 17

19

Bales Dr

Sideroad 17A

Herald Rd

St

Sideroad 17

ain M

Weirs Rd

8th Conc Rd

54

Green Lane

ler’s Sideroad

11th Concession

8th Concession

9

Black School Rd

12

Islay

Rd

Valley

32

5th Concession

13

Kennedy Rd

9th Concess ion

Rd Franklin

38

Vallentyne

Linden

31

9th Concession

King St

2

6

Grasshill

Woodville

Cannington

Derryville

Vrommanton

23

Zephyr Rd

13

Leaskdale Rd

Ashworth Rd

69

30

12

Woodville

St

2

6th Concession Rd

Mount Albert Rd

13

12

Udora

46

King

Concession

10

5th Concession Rd

Rd

65

Hollingers Rd

82

Shier Rd

Farr Ave

13

39

t

29

Hartley

Lorneville

14th

Brock

10th Concession

Fowlers Rd

4th Concession Rd

51

Centre St

Bridle Path

ng ndi La

Morning Sdrd

Zephyr

Meyers Rd

Doane Rd

Brewster Rd

Foot Dafoe St St

45

51

77

Hornes Rd

46 East Gwillimbury Doane Rd 86

Ravenshoe Rd

39

3rd Concession Rd

lla nd

Queensville Sideroad

Orchard Ct

1 Ho

am Sdrd

48

Queensville

Cedarbrae

5th Concession Rd

2nd Concession Rd

Leslie St

Rd

Old Shiloh Rd

Leitch Rd

Holborn Rd

21

Brock Rd

Brown Hill

3

2nd Concess ion

77

Sand Rd

mp Ho us e

Smith Blvd

Georgina

Frog St

Cole Rd

28 13th Concession

Wilfrid

Rd

Q u a r ter

Lorneville

Brock-Thorah Townline East

Concession

81

Audubon Way

Boag Rd

Maple Hill

8

79

27

Cedarbrook Dr Rd

Old Homestead Rd

Concession Rd 3 Thorah

Concession Rd 2 Thorah

48

14th

Lake Ridge Rd

Ravenshoe

26 Morning Glory Rd

Dr

g Irvi n

Weir’s Sideroad

Rd

25

18

Prout Rd

Boag Rd

Holborn Rd

38

ing ter Ca

24

BrockThorah Twnl W

Thorah Beach Port

Point

Virginia

Latimer Rd

Miles Rd Blake Ave

Holland Marsh

10th Line

32

Carley Rd

The Queen sway

West ury

Ravenshoe Rd

Rd st re nc ve Ra

Sutton

View Dr

Glenwood Ave

Line 12

Island View

Rd

Park Rd

Lasher La Valley

Pollock Rd

Rd

Lloyd Sdrd

23

Mile Lane

Cryderma n’s Rd

Morton Ave

COOK’S BAY

Line 13

River

Maple Beach

Duclos Point

P e ff e r l a w

22

Count ry Bethel Side Rd

Baldwin Rd

Fennell

Briars Pk

Stoney Batter Rd

Rd 9 ing

Church St

Gilford Rd

Black 80 Hi

Park Rd

21

H

Base Line Rd

Lockie Sd Rd

Old Homestead Rd

Rd

e dge

St gh

20

Jacksons Point

3 8A

Boyers Sideroad

Rd Dalton Rd

Deer Park Rd

Willow Beach

h ore

S

19

Island Grove

Metro Rd

Rd

DeGrassi Point

The Que ensw ay

3

Line

20th Sideroad

18

Roches Point

Harbour St Pine Ave

chill

4

e Lak 78

t tS ar Ew

39

Killarney Beach Rd

Lake

Dr

Civic Cen tre

d eR

Belle Aire Beach Rd

3rd

23

Nantyr Park

Line

Virginia Blvd

Line

20th Side road

6th

Old

7th

nisfil

Cate r

Nantyr

John’s Rd

Barclay

L

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