GTA New Home Guide - Nov 19, 2016

2,

ISSUE

X,

NOV 19 - DEC 3, 2016 VOLUME 24, ISSUE 21, FREE FREE VOLUME 2, ISSUE X, FREE

GTA EDITION GTA EDITION

RISING HOME PRICES FIVE REASONS TO SAY ‘YES’ TO INSIDE TRIBUTE NOTE THAT THIS CALLOUT IS DEVELOPMENT AND THAT THE BAR IS ALWAYS INSIDE THIS ISSUE INSIDE HURTING MILLENNIALS IN YOUR BACKYARD NCHES THIS ISSUE THIS ALWAYS YPNH GREYISSUE IN COLOUR WHITE ON BOTTOM OF PAGE

GTA

EDIT

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289.553.3147 289.553.3147 NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 3

contents NOV 19 - DEC 3, 2016 | VOLUME 24 ISSUE 21

30

ON THE COVER

Forest Hill Homes Building outstanding new-home communities in the GTA

+ online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

WITH

DYNAMIC MAPS

4 YPNEXTHOME.CA

LOOK FOR THE CIRCLE

property profiles

neighbourhood profile

24 Fieldgate Homes

60 Yonge and Eglinton

New release of 38- and 41ft. singles at Valleylands

34 Mattamy Homes

Building great homes and relationships since 1978

A vibrant community with a little of everything

trending

14

42 Stafford Homes

Downsview Park luxury townhome collection

16

CMHC

Most Canadian housing markets overvalued

Bank of Canada

BoC cuts economic expectations, holds key interest rate

inspiration

44 Outdoor Living

Five steps for organizing your garage

64 Design Secrets

34

Trends to help you select finishes for your new home

68 Holiday Decor

Tips for decorating and entertaining for the holidays

advice

10

BILD Report

Rising home prices hurting Millennials

by Bryan Tuckey

12

Fundamentally Speaking

What the new mortgage rules could mean for you

68

50

by Wayne Karl

28 Moving Advice

How to prepare for the unexpected when moving

by Chuck Resnick

36

Quick Tips

If you don’t use it, lose it

by Hellen Buttigieg

40 Mortgage Advice Is the lowest rate always best?

by Alyssa Furtado

42 18

Market News

GTA homes heading toward record year

20 Urban Development Five reasons to say “yes” to development

38

OHBA Housing Tour

Building communities along new transit corridors

46 Starbucks Effect

Spotting the next ‘it’ neighbourhood

48 Daniels Corporation Supporting 20,000 Homes Campaign to end homelessness

56 Legally Speaking

Deciphering legal language

by Jayson Schwarz

58 Money Matters

Why are you in debt?

by Gail Vaz-Oxlade

50 After the Show

Hockey Wives’ Kodette and Jason LaBarbera move to investment arena

buyers’ resource section

74

54 CIBC Poll

Canadians risk missing out on 2016 tax savings

62 Colour of the Year

Paint pros reveal top colour trends for 2017

72

Luck in Real Estate

Need a little luck to find that perfect home?

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

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 5

Editors' Notes

YONGE AND EGLINTON

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

nexthome.yp.ca/Yonge-and-Eg

Targeted info for your benefit Before we launched our new look and website, YPNextHome.ca, we brought a formal focus group of Canadians together to ask about real estate. We specifically questioned what factors in someone’s life would make them want to move. One of the top three reasons was the desire to live in a different neighbourhood.

Respondents said they wanted access to better schools and amenities such as transit, shopping, greenspace and parks.

With so many areas for you to choose from, we created a Canadawide resource of neighbourhood information and listings – on a local

level. At YPNextHome.ca, you’ll find statistical information on more than 2,700 neighbourhoods, featuring data, listings, fun facts and more.

We’ve included interesting info on key residential neighbourhoods, including photos and video tours.

Check out Yonge and Eglinton for example.

We hope you’ll explore a few of the neighbourhoods we’ve curated for you on our website. Drop us a line and a photo showing what you love most about your favourite neighbourhood. We’d love to hear from you!

Nov. 22 – the beginning of our future

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

+ get social 6 YPNEXTHOME.CA

At time of writing, many Canadians had their noses pressed into their wireless devices, checking their newsfeeds and social media channels for up to the second updates on the Nov. 8 U.S. presidential election.

And assuming common sense prevailed (last I checked, my own feeds forecast Hillary Clinton to win over Donald Trump in a landslide), we can all go back to our regularly scheduled lives. No need to worry about building walls between Canada and the U.S., Americans stampeding north to live here and other issues.

In Canada, business as usual now refocuses on our own reality –

improving the economy, creating jobs and working on a National Housing Strategy.

The culmination of months of consultation with federal, provincial and territorial ministers, industry experts and everyday Canadians, a report on the Strategy due on Nov. 22 will lay the foundation for a multi-lateral framework to be developed in 2017.

With the objective to create the cornerstone of sustainable, healthy and inclusive communities and a strong Canadian economy where we can prosper and thrive, Nov. 22 is, in many ways, the beginning of our future.

Interact with us on social media: ypnexthome

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NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 5 7

Contributors

PRESIDENT, YELLOW PAGES NEXTHOME

DESIGNER ADVICE

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

Jacqueline Hill EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES, NATIONAL

Moe Lalani ASSOCIATE PUBLISHER, NEW HOME GUIDE GTA, NEW CONDO GUIDE, NEW HOME & CONDO GUIDE SOUTHWESTERN ONTARIO

Anne-Marie Breen EDITOR

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

Wayne Karl ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

Sonia Bell, Elisa Krovblit Lydia McNutt

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

SENIOR ACCOUNT EXECUTIVE

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

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

Terry Basset NATIONAL CIRCULATION MANAGER

BILD REPORT

John Jenkins

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)

PRODUCTION MANAGER

Helen Pearce PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic GRAPHIC DESIGNERS

Miguel Cea, Mike Terentiev

MONEY MATTERS

Published by

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

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

DESIGNER ADVICE

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

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

TARION REPORT

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

8 YPNEXTHOME.CA

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.

A SIGNATURE OF EXCELLENCE As a family-owned homebuilder with over 40 years of experience, Primont Homes is committed to providing the highest quality and value to all our homebuyers. Prime locations, elegant design, superb craftsmanship and unrivaled customer service have made Primont a leading and trusted name in the industry.

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Consider Yourself at Home NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 7

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All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E. 9

Advice | BILD REPORT

Rising home prices hurting Millennials

By Bryan Tuckey

MORE ADVICE ONLINE ypnexthome.ca/news/advice

MANY MILLENNIALS ARE FINDING

themselves priced out of the housing market as they search for their first homes.

Millennials are those born between the early 1980s and the late 1990s and who will have come of age in the new millennium. They are a fastgrowing segment of our population and play an increasingly important role in our housing market.

More Millennials are starting families every year, and that is causing a shift in their housing needs.

Contrary to popular belief, most Millennials don’t want to raise their children in highrise condominiums.

A recent survey by the Toronto Real Estate Board found that 75 per cent of Millennials are looking to buy lowrise detached and semi-detached home and townhomes. In today’s market, that’s not easy.

While demand for lowrise homes is rising, there are far fewer of them being built. In accordance with provincial growth policy, the GTA’s home building and land development industry is building a lot less groundrelated homes, particularly singlefamily detached homes, than a decade ago.

At the beginning of the millennium, about 70 per cent of new homes sold in the GTA were lowrise. This year such homes account for slightly more than 40 per cent of new homes sold so far according to Altus Group, BILD’s official source for new home market intelligence.

12 YPNEXTHOME.CA

Lowrise sales have decreased because there are fewer of them on the market. Over the last decade, we have seen a major decline in the amount of ground-related homes available for purchase in builders’ inventories. There were just 1,604 lowrise homes for sales across the GTA at the end of September, about one-tenth of what was available in June 2006.

While supply of lowrise homes has dropped, demand hasn’t and the result is prices grow every month.

In September, the average price of a new lowrise home in the GTA was $992,231. Meanwhile single-family detached homes reached an average price of $1.19 million.

Condominiums are becoming the only option for a growing number of Millennials. Many new condo developments feature amenities geared towards families

and larger suites.

The average price of condominiums remained stable for much of the last decade because unit sizes were getting smaller. Now average condo sizes are increasing and so are the prices. The average price of highrise homes in the GTA reached a record high of $486,605 in September.

We need to work together and find a solutions-oriented approach to improving housing supply and affordability so that our communities are home to Millennials. I say this as both an industry professional and a father of millennial children.

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

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Advice | FUNDAMENTALLY SPEAKING

What the new mortgage rules could mean for you

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

IF YOU’RE LOOKING TO BUY your first

home, listen up: the new mortgage rules that took effect in October will likely make it more difficult for you to get into the housing market.

Here we go again

What does this mean?

The federal government has changed mortgage eligibility rules five times between 2008 and 2015. This latest round was intended to stabilize “overheated” housing markets, mostly in Toronto and Vancouver, slow home price growth and keep mortgage indebtedness under control.

All good things.

What the changes also do, though, is make it more difficult for young Canadians to take that important first homebuying step.

As of Oct. 17, homebuyers who apply for a high-ratio mortgage (meaning, they have less than 20 per cent as a down payment) now have to undergo a mortgage “stress test” by qualifying at a rate they don’t even actually have to pay.

Yes, you read that right.

This stress test is intended to assure lenders that you, Mr. and Ms. Homebuyer, could still afford the mortgage if interest rates rise.

For example, says Alyssa Furtado, founder and CEO of ratehub.ca, a website that compares mortgage rates across Canada, the best mortgage rate in Ontario at time of writing was 2.29 per cent. However, the Bank of Canada’s qualifying rate for applicants is 4.64 per cent.

For example, a couple with a combined income of $100,000 has saved $40,000 for a down payment and they qualify for a mortgage rate of 2.29 per cent. We’ll assume their monthly property taxes will be $400, and their heating costs $150 a month.

Using RateHub’s mortgage affordability calculator, they’ll be able to afford a property costing up to $521,041 because of the new mortgage rules.

“Under the old rules, however, they would have been able to spend $635,700,” she says.

Cha-ching: a difference of $114,659.

On average, according to Calgary mortgage broker Jason Eldridge, by having to qualify for mortgage financing using the five-year Canadian benchmark rate, the maximum purchase price will drop by approximately 21 per cent, given existing five-year contract rates.

Now imagine the situation in Alberta, where the economy has already been hammered by the prolonged oil and gas slump. If you were looking to buy a home there, your buying power will now take a 20-per-cent hit – on top of the economic uncertainty you may be

14 YPNEXTHOME.CA

feeling. Those in Alberta looking to sell a home, meanwhile, will now be trying to sell to many whose homebuying power has just been reduced.

Hello, double-whammy.

There were other rule changes announced last month that come into effect on Nov. 30. For those looking to restructure or refinance an existing mortgage or purchase a property with at least a 20-per-cent down payment, similar qualifying rules will apply in many cases. Lenders who use portfolio insurance and other discretionary low loan-to-value ratio mortgage insurance will now have to meet the eligibility criteria that previously only applied to high-ratio insured mortgages.

The bottom line The rule changes will make it harder for some first-time buyers to get into the housing market. And they may also face higher mortgage rates.

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

BOWMANVILLE’S BEST LOCATION. BEST QUALITY. BEST VALUE.

Beacon Hill is a community for families. Surrounded by rich amenities, excellent schools, parks, recreation and cultural venues. Located less than an hour east of Toronto,

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905.674.6166 Follow us on Prices and specifications are subject to change without notice. E. & O.E. Renderings are artist’s concept.

Trending

Most Canadian housing markets overvalued, price growth to slow through 2018: CMHC CANADA MORTGAGE AND HOUSING CORP. (CMHC) is finding strong

evidence of problematic conditions for Canada’s housing markets. Home prices have surpassed economic fundamentals like personal disposable income and population growth, resulting in overvaluation in many Canadian housing markets. However, the combination of overvaluation and overbuilding should help slow the growth in resales and house prices and lead to a moderation in the pace of housing starts.

This analysis is the result of combined insight from two major CMHC reports published concurrently for the first time: the Housing Market Assessment (HMA) and Housing Market Outlook (HMO).

According to the HMA, Canada now shows strong evidence of problematic conditions overall due to overvaluation and price acceleration. CMHC’s last HMA report in July flagged the likelihood of seeing this evidence, by the fall.

In addition, overvaluation continues to be detected in nine census metropolitan areas (CMAs) across the country and overbuilding in seven.

The HMA serves as an early warning system, alerting Canadians to areas of concern developing in our housing markets, so that they may take action in a way that promotes market stability.

Meanwhile, the HMO highlights important regional differences in housing activity which will gradually dissipate over the forecast horizon. At the national level, housing starts and MLS sales are expected to decline slightly in 2017 before stabilizing in 2018 to levels more consistent with economic fundamentals and demographic changes. The HMO is 16 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

a forecasting tool which provides a range of possible outcomes to better help Canadians in their decisionmaking process.

REGIONAL REPORTS: » The Toronto housing market is showing strong evidence of problematic conditions, in part due to imbalances between house prices and fundamental drivers like incomes and population growth.

These imbalances are expected to moderate through a slow-down in home price growth in 2017 and 2018 as factors such as rising mortgage rates and modest job growth later in the forecast period lead to resales moving off their record highs. » Housing demand in Vancouver is partially supported by robust employment growth, a growing population and low mortgage interest rates. These factors are expected

to remain solid through 2018. That said, some moderation in housing starts and resales is forecast for 2017 and 2018, as the market continues to adjust to recent policy changes as well as an overvaluation of home prices. Price growth is also expected to slow, which should help to alleviate some of the imbalances currently detected by our HMA. » In the Prairie region this year, low commodity prices continue to impact investment, employment and housing demand. The result is slower new-home construction as builders focus on selling their existing stock of new homes, especially multi-family units. Housing starts are forecasted to stabilize in 2017 as inventory reduction continues to hold back growth. By 2018, reduced inventories, stronger economic and employment growth will help boost new home construction.

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 Contemporary Freehold Towns Courtyard and Terrace Towns Starting from the upper $600’s AFFINITY CONDOMINIUMS ALDERSHOT / BURLINGTON Contemporary Mid-Rise Condos From the low $300’s Grand Opening Continues ANCHOR WOODS HOLLAND LANDING Just a few Semi Detached homes remain Starting from the upper $700’s COMING 2016 LAKE POINTE - STONEY CREEK Five 60’ Estate Singles coming soon Register at Rosehavenhomes.com COMING 2017 ON THE RIDGE - STONEY CREEK Introducing Freehold Towns Register at LiveOnTheRidge.ca TIFFANY HILL - ANCASTER 45’ Singles, Condos and Freehold Towns Register at TiffanyHill.ca Ordinary is for others. Separate yourself from the common, the oh-so-typical, the middle-of-the-road, the good-enough, the runof-the-mill. Seek haven from anything less than the exceptional.

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

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. 15

Trending

BoC cuts economic expectations, holds key interest rate

THE BANK OF CANADA has downgraded its predictions for economic growth in its latest interest rate announcement, and has held its target for the overnight rate at 0.5 per cent. The Bank rate is correspondingly 0.75 per cent and the deposit rate is 0.25 per cent.

The global economy is expected to regain momentum in the second half of this year and through 2017 and 2018. Meanwhile in Canada, the profile for growth is lower than projected in July, due in large part to slower housing resale activity and a lower trajectory for exports.

The federal government’s new measures to promote stability in Canada’s housing market are likely to restrain residential investment while dampening household vulnerabilities. Recent export data are improving but are not strong enough to make up for ground lost during the first half of 2016, despite the effects of the Canadian dollar’s past depreciation. Growth in exports over 2017 and 2018 are projected to be slower than previously forecast, due to lower estimates of global demand, a composition of US growth that appears less favourable to Canadian exports, and ongoing competitiveness challenges for Canadian firms.

After incorporating these weaker elements, Canada’s economy is still expected to grow at a rate above potential starting in the second half of 18 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

2016, supported by accommodative monetary and financial conditions and federal fiscal measures. As the economy continues to adjust to the oil price shock, investment in the energy sector appears to be bottoming out. Non-resource activity is growing solidly, particularly in the services sector. Household spending continues to rise, along with employment and incomes outside of energy-intensive regions. The Bank expects Canada’s real GDP to grow by 1.1 per cent in 2016 and about two per cent in both 2017 and 2018. This projection implies that the economy returns to full capacity around mid2018, materially later than the Bank had anticipated in July.

Measures of core inflation remain close to two per cent as the effects of past exchange rate depreciation and excess capacity continue to offset each other. Total CPI inflation is tracking slightly below expectations because of temporary weakness in prices for gasoline,

food and telecommunications. The Bank expects total CPI inflation to be close to two per cent from early 2017 onward, when these temporary factors will have dissipated, but downward pressure on inflation will continue while economic slack persists.

Given the downward revision to the growth profile and the later closing of the output gap, the Bank considers the risks around its updated inflation outlook to be roughly balanced, albeit in a context of heightened uncertainty. Meanwhile, the new housing measures should mitigate risks to the financial system over time.

At present, the Bank’s Governing Council judges that the overall balance of risks is still in the zone for which the current stance of monetary policy is appropriate, and the target for the overnight rate remains at 1/2 per cent.

The next scheduled date for announcing the overnight rate target is Dec. 7, 2016.

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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.

Trending

GTA highrise and lowrise homes heading toward record year Prices of new homes continue to climb SALES OF NEW HIGHRISE homes

in the GTA are on pace for an unprecedented year, while prices for all new-home types in the GTA continue to set records, according to the Building Industry and Land Development Association (BILD).

Year-to-date, highrise sales reached a record 20,596, accounting for 60 per cent of the GTA’s 34,736 new-home sales as of the end of September. For the same period there were 14,140 new lowrise home sold.

Average prices for both new highrise and lowrise homes continued their upward trajectory, setting new records across the GTA. The average price of new lowrise homes, including detached, semi-detached and townhomes, increased by more than $60,000 in just one month to an unprecedented $992,231 in September, up 22 per cent since last year. New detached home prices hit $1,194,771.

New highrise prices in the GTA also broke records, averaging $486,605 last month, up 10 per cent from last year.

BILD president and CEO Bryan Tuckey points to the GTA’s housing supply shortage as the primary driver of price increases. “We have a serious housing supply challenge in the GTA due to a significant shortage of

shovel-ready land, and long and uncertain project approval time-lines,” he says.

“These factors are severely restricting the number of new homes being brought to market and are causing prices to surge month after month.”

Supply of new homes available to purchase in builders’ inventory fell by more than 10,000 homes in the last year. There were 15,421 new homes and condos available for purchase in the GTA in September compared to 25,848 a year ago.

Lowrise supply showed a modest increase over August, but the 1,604 homes were still down 64 per cent from last year. The slight increase is attributed to a strong number of new project launches, which is typical for September.

There were just 764 detached homes available for sale across the region.

That is less than one month of supply, based on recent sales trends.

“New lowrise home sales year-to-date in the GTA are very similar to the situation back in 2009, before house prices started to take off, averaging about 1,500 per month,” says Patricia Arsenault, executive vice-president of Research Consulting Services, Altus Data Solutions. “What has changed dramatically is the decline in options available to buyers. Back in 2009, there were nine lowrise homes available to purchase for every home sold. Now that ratio is less than two to one. Given the sharp drop in competitive product alongside buoyant buyer interest, it’s no surprise that new lowrise home prices have doubled since 2009.”

Highrise inventory in September was 13,817 homes, down slightly from August and 35 per cent less than at this time last year.

“The recent increase in highrise prices can be attributed to the rise in average suite size, combined with a growing price per sq. ft.,” Tuckey notes. “This year we have seen the introduction of larger suites aimed at purchasers who have been priced out of the lowrise market.”

The average size of a highrise home in the GTA was 809 sq. ft. in September compared to 767 sq. ft. last year. Meanwhile the price per sq. ft. increased to $601, up $26 from last year.

September is a prime project launch month for both new lowrise and highrise development. There were 2,468 highrise units sold in September, 1,839 of them in the City of Toronto.

Lowrise sales in September were up four per cent from a year ago to 1,200 with more than half of the sales coming from York Region.

September new-home sales by municipality SEPTEMBER ’16

LOWRISE

HIGHRISE

TOTAL

REGION

2014

2015

2016

2014

2015

2016

2014

2015

2016

Durham

221

158

319

26

81

61

247

239

380

Halton

155

91

92

88

126

117

243

217

209

Peel

521

414

113

207

63

286

728

477

399

Toronto

59

27

36

1,883

881

1,839

1,942

908

1,875

York

607

461

640

198

180

165

805

641

805

GTA

1,563

1,151

1,200

2,402

1,331

2,468

3,965

2,482

3,668

Jan - Sept

13,885

15,314

14,140

16,238

15,080

20,596

30,123

30,394

34,736

Source: Altus Group

20 YPNEXTHOME.CA

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Trending

5 reasons NIMBY advocates should start saying “yes” to development

By Lydia McNutt IF YOU’RE LUCKY enough to own

a small slice of the GTA’s pricey property pie, you could find yourself among those vehemently opposed to any new development in their neighbourhood. After all, established Toronto hot spots like The Annex, Bloor West Village and Mount Pleasant are full, right? And you like your cosy little neighbourhood just the way it is. Further development?

Not in my backyard!

But here’s the problem with the NIMBY (not-in-my-backyard) mentality.

The average detached home in Toronto now costs about $1.3 million, as per the Toronto Real Estate Board (TREB). Want to rent a small place right downtown instead? Urbanation reports that average Toronto condo rents hit a new high of $3.10 per sq. ft., or $2,145. Add to this a population that’s expected to increase by 100,000 every year. Opposition to infill development is only making the affordable housing problem worse. Furthermore, NIMBYism could actually be detrimental to the neighbourhoods you so love – and the value of your own real estate.

Here are five reasons why NIMBYism is bad for business – your own property investments, and the local economy as a whole.

1. PEOPLE CAN’T AFFORD TO BUY HOMES. If you’ve chatted with a Millennial lately (or you happen to be one), you’ve likely heard (or said), “I’m going to rent forever. I just can’t afford to buy a place of my own.”

The GTA’s population is rising, along with demand for homes. According to TREB’s September sales stats, the average detached home in the GTA 22 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

(including the 905) is $1.01 million. Meanwhile, supply is sinking, due in part to resistance to development projects. The “low supply, high demand” scenario has created some serious competition that young homebuyers simply can’t contend with. So, where will the next generation of homebuyers go, if infill development in Toronto stops? Keep reading…

2. PEOPLE WHO CAN’T AFFORD TO BUY REAL ESTATE IN THE GTA WILL BUY ELSEWHERE. We all have to live somewhere. I love the famous quote from Field of Dreams, “If you built it, they will come,” as it applies to real estate in the GTA. This is true not only for homebuyers, but employers as well. Take Hamilton as an example. This once-sleepy and inexpensive city just outside of Toronto has in the last few years become a hotbed of activity in terms of industry, economy and housing. Big business has moved in, the job market is jumping, and home …continued on page 22

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…continued from page 20

values have surged. This sounds like a golden opportunity, and new housing is popping up everywhere to support the city’s current and future population growth, which brings us to point #3…

3. IF YOU’RE NOT MOVING FORWARD, YOU’RE FALLING BEHIND. New development creates new housing and job opportunities for new buyers, but let’s not forget that it also keeps old neighbourhoods fresh, forwardthinking and ultimately, in high demand. An old neighbourhood with an aging population will not support growth.

4. DEVELOPMENT ISN’T LIMITED TO HIGH-DENSITY HOMES. Existing residents in communities under development will also reap the rewards of new businesses, services, schools, community centres and hospitals, which often accompany new housing communities. What also comes with more homes – and more homeowners – is more property tax, which is collected and used to repair Toronto’s crumbling infrastructure. Maybe we’ll finally get Bayview and Dufferin off CAA’s annual “Worst Roads” list.

24 YPNEXTHOME.CA

5. THE GTA’S GREENSPACE IS ON THE LINE. How much do you love those Sunday drives to the country? Ten years ago, the Government of Ontario introduced the Greenbelt and Growth Plan in an effort to protect that greenspace from urban sprawl. The plan mandated that 40 per cent of new homes be built within existing communities, and that these new infill developments use less land to accommodate more people, as the GTA population continues to grow .

Think about that the next time you say, “not in my backyard!”

23

Property Profile | FIELDGATE HOMES

Fieldgate Homes announces...

A new release of 38- and 41-ft. singles at Valleylands in West Brampton on Dec. 5 at 11 a.m.

TIME AND TIME AGAIN, when we ask our homeowners why they

ABOVE

chose to buy a Fieldgate home, we get some pretty familiar answers.

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

The Cardinal A elevation, 2,010 sq. ft.

Valleylands – West Brampton Visit the sales centre to view the floorplans that will be available in the next release of detached homes in November. Boasting a selection of single-detached 38-ft. designs from the upper $800’s, some with walk-up basements, discerning buyers will like what they see when they discover these impeccably crafted luxury homes. …continued on page 26

26 YPNEXTHOME.CA

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 25

…continued from page 24

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

At Valleylands, the best of west Brampton living is literally at your doorstep. The Heartland Town Centre is only five minutes away, offering major retailers such as Best Buy, Home Depot and Costco.

Nearby Erin Mills Town Centre, Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restaurants.

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

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

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

Throughout all of the GTA, there’s no place quite like the Village of Kleinburg. Perfectly nestled between the east and west branches of the Humber River, Kleinburg offers all the pleasures of small town life just minutes 28 YPNEXTHOME.CA

from the big city conveniences of Vaughan and the surrounding area.

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

The next master-planned community is Whitby Meadows, featuring a selection of 30-, 36-, 42-ft. single-detached homes, semis and freehold townhomes in west Whitby’s finest natural setting.

To register for the next release at any of these communities, visit fieldgatehomes.com

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Find your next investment with exclusive real estate opportunities, insider insights and expert tips designed for the savvy investor NEW MAGAZINE ON NEWSSTANDS FALL 2016

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Advice | MAKE YOUR MOVE

How to prepare for the unexpected when moving

By Chuck Resnick

MORE ADVICE ONLINE ypnexthome.ca/news/advice

MOVING YOUR worldly possessions

involves a lot of organization, and if there’s one thing professional movers understand, it’s to expect the unexpected. In fact, that’s a major reason why many people choose to hand over the task of moving to companies that do this every day.

Some do-it-yourself moves go well; others end up unnecessarily stressful because those completing the work don’t anticipate potential glitches.

Checklists are great, but every single move is different – and nothing beats experience for transferring household and other goods quickly, safely and efficiently.

For example, if you move in the winter and it’s a snowy, slushy day, how do you protect the floors from water/salt damage at both ends?

What about getting large items around hard-to-maneuver corners without marking walls? What if someone gets hurt? Do you know how to pack delicate items such as lamp shades and glassware to eliminate shifting and potential breakage during a long haul? What if the truck breaks down or gets into an accident halfway to your new home?

Professional movers have resources to draw upon to anticipate and/or handle any number of unexpected happenings. Training is a great preventative measure – when you shop for a mover, find out if and how the drivers and moving people are trained.

Ask whether they have a “Plan B” in case of vehicle problems, and what you 30 YPNEXTHOME.CA

can do to be as prepared as possible when the packing/moving begins.

As tempting as a DIY move may be, think through the consequences.

Are you prepared to deal with the possibility of friends or family members not showing up on moving day due to illness or hurting themselves trying to move heavy items? Do you have a back-up plan for extra items in case you misjudge the size of moving vehicle you need? What about plants? Hazardous liquids?

Of course, there are specialty items that require an unusual level of care – pianos, pool tables, grandfather clocks, artwork, antiques and the like. The money you think you’ll save by not hiring a professional mover may end up being spent on repairs if these large and valuable pieces are not handled correctly. Worse yet, irreplaceable items may be lost forever.

And have you thought through unpacking at the other end? On your first night there, you will need bedding, toiletries, towels and some

kitchen items. Do you have a plan that includes being able to find those things easily and quickly?

All of these considerations and more are covered in the training that Two Men and a Truck franchisees take part in at what we call Stick Men University in honour of the company logo.

Among the many things they learn is how to maneuver, wrap, pack and load items from big-screen televisions to china cabinets filled with breakables.

If you do decide to move yourself, on the Two Men and a Truck website we provide moving tips, a moving checklist and even special things to consider for extremely large items.

Give some thought to what might happen along the way and make contingency plans. And be realistic – hiring a professional mover can offer tremendous peace of mind and is money well spent.

Chuck Resnick is vice-president of marketing and operations, Two Men and a Truck Canada. twomenandatruck.ca

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foresthillhomes.ca *Prices & specifications are subject to change without notice. Finishes vary by Builder. See sales representatives for details. Renderings are artist’s concept. E. & O. E.

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 29

Property Profile | FOREST HILL HOMES

cover story

Forest Hill Homes’ Cornell Rouge, Jefferson Forest & Bridle Path among some of the

GTA’s most successful communities WITH MORE THAN 50 years of

experience, Forest Hill Homes has become one of GTA’s leading residential developers – setting standards that are among the highest in the industry.

Known for unsurpassed quality and outstanding innovative designs, Forest Hill Homes has been responsible for an impressive series of outstanding residential communities; this is evident in its highly successful lowrise communities throughout the GTA, including, Bridle Path of Thornhill, Cornell Rouge and Jefferson Forest.

32 YPNEXTHOME.CA

Adhering to its reputation for custom quality homes, unique and innovative layouts, Forest Hill Homes offers an extensive list of upgrades that come standard in every home.

Creating a buzz for their sought after locations, each community is just a short distance to a myriad of local amenities, including restaurants, world class shops, recreational facilities, schools and parks. With easy access to local transit and the GTA’s major highways, residents will have everything they need right at their doorstep. With decorated model

homes now open at all locations and 90-day move-ins available, you can now make one of these coveted communities your very own home.

Cornell Rouge, Markham Forest Hill Homes is bringing its unique brand of business and building commitment to Markham’s highly successful Cornell Rouge. With eight fully decorated models now open for viewing, this exceptional community has taken shape and continues to offer spacious, well designed, spectacular single-family

homes and freehold townhomes.

This built-up community offers families an excellent opportunity to own a spacious, well-appointed home in an excellent location close to many schools, a state of the art community centre, shopping, parks, transportation options and services.

Situated next to Rouge Park, Ontario’s largest urban park, residents are surrounded by thousands of wooded acres. Forest Hill Homes’ Cornell Rouge community offers a spectacular selection of welldesigned homes ranging from 1,843 to 3,270 sq. ft. starting from the high $800’s. Interior features may include bonus 3.5 bathrooms, four-bedroom designs, coach homes, nine-ft.-high smooth ceilings, laundry chutes, convenient side door entry with additional stairs to basement and hardwood on the main floor. Kitchens include extended height upper cabinets, granite kitchen countertops and large open eat-in areas, including pantries, breakfast bars and kitchen islands. Large upgraded ensuites include separate oversized shower with glass enclosure and soaker tubs.

Jefferson Forest, Richmond Hill Jefferson Forest offers a spectacular

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collection of townhomes in a rare and beautiful wooded location within Richmond Hill’s Oak Ridges Moraine.

In its final phase, this forested community on Yonge Street just north of Gamble Road offers a great selection of freehold townhomes ranging from 1,944 to 2,705 sq. ft. Many lots back onto beautiful wooded areas and each townhome is loaded with exclusive luxury features.

These thoughtfully designed, unique and livable townhomes may include spacious four bedroom designs, a main floor den/flex space, bonus

3.5 bathrooms, direct garage access to the basement, laundry chutes, hardwood on the main floor and natural oak stairs. Kitchens include large open eat-in areas, including panties, breakfast bars and granite kitchen countertops and much more.

Bridle Path, Thornhill Bridle Path of Thornhill is a one of a kind unique and upscale community, located near Major Mackenzie Drive and Dufferin Street Nestled amid densely forested lands, this community offers homebuyers unprecedented choice in the heart of the GTA. Visit the upgraded luxury models with superior standout features including three-car garages, oak stairs from basement to second floor, granite kitchen countertops, upgraded kitchen cabinets, master retreats, walk-out lots and much more. When it comes to location and amenities, few neighbourhoods can compare to The Bridle Path of Thornhill.

For your chance to live in one of these fabulous new-home communities, please visit foresthillhomes.ca Decorated model homes are now open; 90-day moveins available in all communities.

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 33

WORTH W ORE 32 YPNEXTHOME.CA

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NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 33

Property Profile | MATTAMY HOMES

Mattamy Homes Building great homes and relationships since 1978 MATTAMY HOMES is the largest privately owned home builder in North America. To date, the company has created more than 70,000 homes, and more than 10,000 condo suites, in hundreds of communities. When asked how it got to be so successful, the answer is surprisingly simple.

Mattamy listens to its homeowners.

It’s that skill that contributes to excellence in so many categories.

It means Mattamy understands, and delivers, what people are really looking for in their new homes.

The process of understanding how people really live, and what homeowners really want, starts long before Mattamy’s architects 36 YPNEXTHOME.CA

begin designing the homes. In fact, it begins long before the company finalizes the locations of its communities. Everything that affects a homeowner’s satisfaction is researched and evaluated. The team asks questions such as: Where do people want to live? What types of transit and amenities would best serve these homeowners? What makes a community more inviting for people to live in?

By asking all these questions, Mattamy has been able to deliver a satisfying experience to thousands of homeowners.

In addition to the care that Mattamy takes in choosing and

planning its neighbourhoods, the same care goes into the designing of all aspects of its home designs.

From contemporary condo living to a multitude of townhome styles to all sizes of detached living, you will find thoughtful, well-appointed home features designed for modern family living.

When you drive through a Mattamy community, you’ll easily see freshness and vibrancy in the exterior designs. Mattamy is always eager to provide opportunities for people to personalize their homes to reflect their individual style. With the enormous offering of exterior home styles and interior floorplans,

the choices are endless. After you’ve purchased your home, Mattamy invites you to its exclusive design studio.

Here, your personal design consultant will present you with the most up to date trends reflected in the choice of finishes and features available.

Listening is an essential part of customer service. Happily, when Mattamy listens, the company hears how pleased its homeowners are with the sales process, construction and post-sale experience. So, if you’re in the market for a new home or condominium, we recommend you consider the inspiring variety of

choices available at Mattamy’s current and upcoming communities.

Here’s where you will find new Mattamy communities opening soon: Queen’s Common in Whitby, will offer a wide selection of innovative and affordable townhomes and detached designs.

The Condominiums Of Cornell in Markham, represent the evolution of contemporary condo living in Mattamy’s established community.

Richmond Green in Richmond Hill is an ideal community for modern energetic families looking for towns and detached designs.

Fully connected Thomson Towns in Scarborough, offers smart city living in spacious courtyard and terrace town styles.

The Preserve in Oakville, one of Mattamy’s most prestigious addresses, will soon offer a new release of wellappointed detached homes.

Established, picturesque Topper Woods in Kitchener will soon offer a new release of affordable designs in towns and detached styles.

Register today for these and other Mattamy communities at mattamyhomes.com NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 37

Advice | QUICK TIPS

If you don’t use it, lose it

By Hellen Buttigieg

MORE ADVICE ONLINE ypnexthome.ca/news/advice

DON’T HOLD onto items just because

you have them. If something is of no use to you, it’s time to let it go. » Books collecting dust? Although I keep a collection of books that I often re-read or refer back to, I make it a habit to use the one-in/one-out rule.

I love books and my house would be overrun with them if I didn’t begin this habit a long time ago. Any time I’m tempted to buy a new book, I remind myself that if I do, I will have to let one go. This encourages me to borrow books from the library when possible. I often get questions about what to do with books that are no longer used and are taking up space.

Donate books in good condition to your local library, hospitals or schools. » Toy toss Put aside time with the kids to go through their old toys and decide what they want to donate.

Remind them they need to make room if they want new toys. Drive to the charity together and drop off the toys. Remind the kids how kind and giving their gesture was and that other less fortunate children will truly appreciate their donation. It’s never too early to start teaching children this valuable practice. » Clean out the garage If your garage is cluttered, it’s a good time to tackle it. Empty out the entire garage, or work in sections (depending on the amount of clutter and the amount of time you have to clear it). Place like items together in categories: car care, tools, sporting, gardening, etc. Create 38 YPNEXTHOME.CA

a pile of things you no longer need or want. Heavy duty shelving units and clear bins work great for storing these items within their categories. Brackets and hooks work for large items. Don’t forget to take the discarded items to the dump if they cannot be sold or donated. » Have you been putting off your garage sale? Have you been storing items for years with the intention of having a garage sale, but never get around to it? Pull out your calendar today and book a definite date to have it. Blocking the time now increases the likelihood of following through with it later. Another option is to forgo the garage sale entirely and donate these items instead. » Has your clutter expired? If you can’t quite bring yourself to let go of certain items, even though you aren’t using them, consider packing them in a box and writing a ‘best before’ date on it six months away.

Put this date on your calendar as a reminder. If you don’t open that box again before the expiry date, donate it to charity without opening it again.

This provides you with a cooling-off period, making it easier to detach.

» Out with the old, in with the new Is your outdated home office equipment slowing you down? Maybe it’s time to upgrade or replace it. Or, have you replaced your equipment but kept the old laptop or printer, just in case? Take back your space and give your office a fresh start by letting go of the old. Do this and I predict your productivity will increase in the years ahead! » Having trouble deciding? Clutter is the result of postponed decisions.

When you are de-cluttering, make the keep/toss/donate decisions easier by asking yourself whether the item serves a purpose, adds beauty or meaning to your life. Getting organized is not about getting rid of all your stuff, it’s about honouring what truly serves you and letting go of what’s just taking up space.

If you don’t love it or use it, it’s time to lose it.

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

LUXURY LIVING

Artist’s concept.

Niagara-on-the-Lake Ne w Luxury TowNhomeS!

Averton Homes, one of Canada’s premier national home builders, is proud to announce the new release of luxury townhomes.

ChooSe The home ThaT’S righT for you.

Bungalow Townhomes from the $500’s. Detached Bungalows move-in ready from the $600’s.

At Averton Square you’ll be living the dream right in the heart of Niagara-on-the-Lake, steps from the charming shops, restaurants and theatres.

See for yourself – visit us today!

Sales office at 120 John Street West, Niagara-on-the-Lake. 905.378.2500

Learn more @

Averton.ca

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

Trending

Building communities of the future ON A WET DAY IN OCTOBER, the

Ontario Home Builders’ Association (OHBA) along with 40 delegates from across Ontario embarked on a housing tour which focused on what the future of community building might look like along new and planned transit corridors throughout the Greater Toronto and Hamilton Area.

The province of Ontario is investing more than $32 billion on regional transit over the next decade. But building better suburban and regional transit is just the beginning. It is equally important to build better neighbourhoods along these transit lines and around stations. The fullday tour took delegates to three innovative sites along the Lakeshore West GO line – one completed, one in the works and one still in the planning phase – that are forging the path for these complete communities that are transit-friendly, walkable and connect infrastructure projects to the community. These projects give us a crystal ball look at what the future of housing in Ontario could look like.

40 YPNEXTHOME.CA

The tour started with a walking tour of the FRAM Building Group project at Port Hope a short two-minute walk from the GO Port Credit train station. The Port Credit tour led by Fred Serrafero, vice-president of development and construction, and John Giannone, project manager of sales, marketing, and construction, from FRAM Building Group walked participants through the recently completed community which included the construction of midrise buildings, townhomes, live-work units, piazzas and commercial spaces.

The hosts also showcased how the company integrated a newly built retirement facility into the community

ensuring easy access to all the amenities included in the community.

While exploring the project, Serrafero and Giannone discussed some of the challenges they faced through the approvals process and remediating a former brownfield site to integrate it back into the broader Port Credit community.

From there OHBA delegates boarded the GO Train and traveled to Burlington to visit The Molinaro Group’s Paradigm Condo site located just steps from the Burlington GO Station. The Phase One three-tower project, currently under construction, has sold out its first tower, is 70 per cent sold on its second and is

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about to start marketing it’s third.

This project is the first of its kind in Burlington and is focused on meeting the city’s Growth Plan targets for density and intensification.

Vince Molinaro, president of the Molinaro Group, along with Linda Davies, Paradigm Condo’s exclusive realtor, discussed how the city of Burlington has a limited number of single-family home lots available and that there is a real need for developing more pedestrianfriendly, easily accessible, higher density projects in order to meet the growing and changing population in the region. Reaffirming this point was Burlington’s Chief City

Planner, Mary Lou Tanner, who provided invaluable insight into the planning process for these new developments, and offered a sneak peek into some of Burlington’s exciting plans to accommodate new growth in the future.

After a lunch sponsored by The Molinaro Group, the tour headed to Hamilton to explore the West Harbour Redevelopment site.

Delegates were met by Chris Philips, the senior advisor to the general manager of planning and economic development for the City of Hamilton, who discussed the future of this waterfront site. Philips noted that the project would not have been

realized if not for the stadium and GO Train station that had been built for last year’s Pan Am Games. With the investments made into those projects, the potential for this area became very apparent. Since then, the City has been working with planners and designers to develop a template for how they envision this new community hub which would include a combination of low and midrise residential buildings surrounded by parks, restaurants and cafes within an easy walk to downtown Hamilton and the GO Train.

Despite the dreary day, delegates were able to get a better understanding of how these communities are planned, the approval process and how utilizing transit lines will allow better opportunities to grow the province.

To learn more about the benefits of building complete communities along transit corridors, check out the report, Suburbs on Track: Building Transit-Friendly Neighbourhoods Outside the Toronto Core, at ohba.ca NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 41

Advice | MORTGAGE ADVICE

Is the lowest rate always best?

By Alyssa Furtado

WHILE AT RATEHUB.CA we’re in the

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

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

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

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

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

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

42 YPNEXTHOME.CA

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

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

MORE ADVICE ONLINE ypnexthome.ca/news/advice Alyssa Furtado is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

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Property Profile | STAFFORD HOMES

Downsview Park luxury townhome collection Exclusive preview now launching!

IF YOU WANT a chance to put dibs

on one of the most exciting urban developments that Toronto has ever seen, register immediately for a preview now! Following previews, Downsview Park will be opening its doors to the general public, and based on everything Stafford Homes has in store for this new community, the units are sure to be swept up swiftly, so get ‘em while they last.

Delivering the best the city has to offer while offering comforts more typical of suburban living, Downsview Park homes accommodate three to six bedrooms, including a full-master retreat if you’re so inclined. Two unique floorplans are available. The 44 YPNEXTHOME.CA

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James offers 2,954 sq. ft. of living space across three floors, including a 736-sq.-ft. lower level, while The Cooper offers 3,353 sq. ft. of living space across four floors, including a 667-sq.-ft. lower level. These townhomes, as well as a limited number of corner units, all come with their own backyards and private garages – a benefit seldom found beyond the urban sprawl.

In keeping with Stafford’s reputation as a trusted and respected builder that – in partnership with The Goldman Group – is six decades and four generations strong, these luxury townhomes are as stunning as they are efficient. Great attention has been spent on the details and finishes, from nine-ft. ceilings and hardwood floors to granite counters and stainless appliances in the kitchen. All

of these items and more are included in these beautifully designed, luxury freehold townhomes.

Thinking Green, all of the units feature Stafford’s SmartHome standards, including high-efficiency appliances, thermally insulated double-glazed windows, energysaving low-flow water fixtures and more. They also feature TechHome standards to optimize your access to high-speed Internet, exceptional video quality and superior sound today, while providing the capacity to handle evolving technology.

Steps from your front door, kids will get to be kids thanks to a play structure and splash pad that are in the plan for the neighbourhood park. And then there’s the adjacent Downsview Park, a dynamic outdoor park that reflects the diverse nature of

the surrounding area and plays home to a plethora of educational, sports and cultural events.

Looking for a bit more action?

Hwy. 401 is just minutes away, which means quick access to the Don Valley Parkway and downtown Toronto.

And Downsview Park subway station, now under construction, is just five minutes away. From there, Yorkdale’s world-class shopping experience is two subway stops away, Bloor and Yonge 11 stops away and Union Station 15 stops away. York University will also soon be a five-minute train ride away.

Only 155 townhomes make up this exclusive collection. Like we’ve said, if you want to get your foot in the door, register for a preview now.

Register at staffordhomes.ca NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 45

Inspiration | OUTDOOR LIVING

Garage organization

By Carson Arthur

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

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

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

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

1. Get everything off the ground. The

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

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

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

2. Paint the floor or add Tiles. Seeing

4. Add light. The biggest downfall

as much of the floor as possible

of most garages is the lack of light.

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

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

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

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

46 YPNEXTHOME.CA

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Trending

The Starbucks Effect

Spotting the next ‘it’ neighbourhood

By Sonia Bell WHEN IT COMES to real estate, the

“Starbucks Effect” has become a wellknown phenomenon. The premise is that if the popular coffee shop opens its doors in a neighbourhood, it’s a sure sign that the area has arrived.

But does Starbucks really have this kind of effect on an area, or is it all the other influencing factors that come before it that attracted Starbucks in the first place? In other words, Starbucks isn’t necessarily symptomatic of an area bound to go places, it’s the final stamp of 48 YPNEXTHOME.CA

approval. And, if this is the case, the key to making a good real estate investment is to get in before Starbucks sets up shop.

Realtors often say that a good investor will abide by the real estate saying “follow the money.”

According to Shannon P. Murree, sales representative at ReMax Chay Realty Inc., Brokerage in Barrie, Ont., “It’s always better to get in before the Starbucks because you want to be able to be ahead of the game, so to speak, before the numbers or the

market catches up.” If an investor buys into a market a few years prior to Starbucks, chances are, the money has started to come into the area, but hasn’t yet peaked.

Most savvy real estate investors or developers would agree that the evolution of a neighbourhood is one that occurs over many years. It also involves a multitude of factors that include such things as population, employment and wage growth, infrastructure improvements and land and housing development.

“When it comes to investors, one of the first things they need to determine is the tenant profile that they want to be able to attract.”

— Shannon P. Murree, ReMax Chay Realty Inc.

One way to foresee an increase in such factors is the arrival of large retailers; these organizations think long and hard before opening a new store and select locations in a meticulous fashion based on data, research and demographic information. “(Retailers and builders) that are going to be developing in that neighbourhood have already done all the market research to make sure it’s worth their while before making that kind of investment,” says Murree.

Such retailers enter a neighbourhood because their research – insight into city planning and economic development departments, for example – indicates the economy and employment there are expanding.

These retailers play an important role in providing additional jobs,

servicing the growing community and affording the kind of amenities builders count on when they market new developments.

According to Murree, “When it comes to investors, one of the first things they need to determine is the tenant profile that they want to be able to attract. If you’re looking for Millennials, what is it that attracts Millennials to an area? If you’re going to be a strategic, savvy investor, of course the community, the Walk Score, the market reports, all of those things are going to influence your purchase decision.”

For investors Eryn and Steve Lorriman-Morreau, co-founders of Effective Land Management Solutions (ELMS), retail helps determine the demographic the area will attract.

“Retail in a neighbourhood, especially quality anchor stores, is a good indication that the area is stable…

We’d rather see a Walmart or another large retailer in a community (over Starbucks), as these cater to a wider demographic and an indicator of an up and coming area.”

The presence of major retailers is an important part of the selection process for builders and developers. “The absolute truth in land acquisitions is that there is an ordering to how we pick locations (neighbourhoods),” says Brian Johnston, chief operating officer at Mattamy Homes, Canada’s largest home builder, with low- and highrise communities in Ontario and Alberta, as well as in the U.S. “Generally, the neighbourhood picks us, as opposed to the other way around.

“As an example, we may want to build townhouses in tony Forest Hill in Toronto. However, it is

likely that the best we will find is a highrise site on the periphery of that neighbourhood. Sites get brought to our attention and we vet the opportunity. We assess things such as schools, parks, transit, roads and shopping to determine whether the opportunity is a viable one. There are vast differences in the availability of services and amenities when comparing greenfield communities on the urban fringe, compared to infill sites, but this is reflected in the selling price of the homes.”

One way developers solidify their proximity to retail is by tapping into the “mixed-use” condominium trend, where retail is located within the building itself. Builders are foregoing homogeneous developments that are strictly residential, and instead building communities that entail parks and retail and other amenities.

Take for example, E Condos at Yonge and Eglinton, Minto Westside at Front and Bathurst, or Ice District in downtown Edmonton. These developments are a few of many that will introduce retail into their projects. Once they are complete, the ripple effect will ensue. There will be a huge draw for people to live in these condos, wanting direct access to the amenities. It’ll also bring foot traffic to the area from other nearby neighbourhoods, which will then spark more development from retailers who also wish to be near that increasing traffic.

Of course, these communities take time to develop. But once they’re complete, investors who get in at the right time could be rewarded with price appreciation, as well as an attractive product for prospective renters.

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 49

Trending

Our unnatural disaster: Homelessness in Canada

By Mitchell Cohen

Join the shared mission to end homelessness by supporting the 20,000 Homes Campaign. Visit 20khomes.ca

We have come together as

compassionate Canadians on several occasions over the past 12 months.

We opened our hearts, homes and communities to thousands of Syrian families seeking refuge from a devastating civil war.

We also opened our hearts and wallets to contribute over $165 million to the Red Cross to help fellow Canadians re-build their homes and lives after wildfires destroyed most of Fort McMurray.

We are, in fact, very good at disaster relief. When faced with a disaster, Canadians act. We seize ideas, find untapped strengths. We use what we have and become resourceful. We don’t wait for a perfect plan. We don’t seek permission.

In the face of disaster, we rise up and take a stand, reflecting a spirit that “we’re in this together,” that if a member of our family or a guest in our house is in trouble, we’re all in trouble.

Unfortunately, we have yet to rise up to address the unnatural disaster of homelessness that afflicts over 235,000 Canadians every year.

Somehow we’ve grown accustomed to seeing fellow Canadians sleeping rough on the street. We walk around.

We step over. We look the other way.

Today, with “The 20,000 Homes Campaign,” we have an opportunity to look homelessness in the eye, and to put an end to an everyday disaster that has been swept under our 50 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

collective carpets for decades.

Today, this formidable grass roots campaign is unfolding across the country, a campaign that isn’t simply about counting the number of homeless people. It is about getting to know each and every person by name and understanding each personal story. It is then about wrapping our arms around every person with the support needed to make the difficult transition from street to home.

Most importantly, it is about taking action.

The incredibly successful “100,000 Homes Campaign” south of the border demonstrated that fulsome community engagement works, that chronic homelessness can be eliminated. This campaign has clearly shown that the key to success is not about adding shelter beds to an already challenged system. It is, rather, about a “key” to a front door, a place to call home, a safe and private place to re-group with support from new friends, neighbours and health care workers from the local community.

The 20,000 Homes Campaign is building on the success achieved in the United States, and is currently unfolding in 36 communities

across the country. The campaign’s manifesto tells it as it is, calling homelessness “a national emergency requiring urgent and immediate action.” It goes on to say that “The time has come to stop managing homelessness, and start ending it.”

If we’ve given any thought at all to chronic homelessness, we’ve probably concluded that this is a problem for government to solve, that we don’t have a role to play.

The reality is that we do have a role, and that we all have something meaningful to contribute.

There is no doubt that government funding is needed, but the path to ending chronic homelessness is a shared path, with every one of us walking hand in hand to the finish line.

We’ve shown the best of our love to our new Syrian friends, and have tapped a deep well of compassion in the face of many emergencies and natural disasters over the years.

It is time to show the same depth of compassion for thousands of homeless Canadians who need our help.

It is indeed time to end homelessness in our communities.

Mitchell Cohen is president of The Daniels Corporation. danielshomes.ca

A N C A ST E R

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 49

Trending

After the show

Hockey Wives’ Kodette and Jason LaBarbera move from the rink to the investment property arena

By Wayne Karl

SPEND A FEW MINUTES watching W Network’s reality series Hockey Wives, and you quickly realize two things. One – it’s not at all like any of those Real Housewives shows riddled with F-bombs and B-words. And two – it has a decidedly Canadian element of humility to it.

Of any “wives” show, you might expect one featuring hockey would be filled with drama. But there are no cat fights here. Sorry.

52 YPNEXTHOME.CA

The cast seems real, reasonable and grounded.

Notable among them is Kodette LaBarbera, wife of recently retired NHL and AHL goalie Jason LaBarbera, and mom to 7-year-old Ryder and Easton, 5. Among the cast of models, TV personalities and entrepreneurs, Kodette stands out as one of the stars of the show.

Hockey Wives provides a glimpse into the family’s challenges with

a suitcase lifestyle, with Ryder’s autism and Kodette’s mission to raise awareness and funds for the cause. And in season two recently ended, we learn of Jason’s impending retirement and the LaBarbera’s growing interest in real estate.

New Home Guide spoke to Kodette about the family’s transition from the hockey rink to the investment property arena.

Q+A NHG: How did you and Jason get started investing in real estate? On the show, you discussed buying an 18unit complex in Nelson, BC, but you also own two single-family homes in Calgary as investment properties…

KL: There was never really a start to it. Jason purchased his first home in Calgary many years back. He always had friends and brothers living there, so when we started dating we purchased one that was just for us. We bought in Scottsdale, Ariz. a few years after that and lived there for four years when Jason was with the Coyotes. We have since sold that one. We just purchased our “forever” home in Calgary… we just needed a bigger yard for the boys!

With the market the way it is in Calgary, it’s easier to just hang on to all three properties.

NHG: What’s your motivation – preparing for retirement?

Building a nest egg for the boys? To build wealth?

KL: It’s definitely a good nest egg for the boys. We hope to keep building that up for them.

NHG: On the show, it seemed like you were managing this part of your lives, while Jason focused on hockey.

ABOVE: Kodette and Jason LaBarbera; sons Ryder, 7 and Easton. 5

Is that the case, and how do you balance your new ‘career’ and his?

Who does what?

KL: Oh, no… I really wanted that building in Nelson, but Jason is definitely more hands-on with investments, and he’s quite good at it. I do all the charity work and fundraising, cleaning, managing the boys’ schedules. Jason plays hockey, then he does all the cooking, banking and investments.

NHG: I understand you invest with partners. Is this an official jointventure partnership or a more informal arrangement?

KL: They are former teammates and friends of ours – Jim and Stefanie Vandermeer. Jim and Jason have always had the same agent, so we

have been closely tied to them for a long time. It’s an official joint venture – our holding company is set up. Stefanie is the brains behind all of it. It always amazes me how much she knows.

NHG: What investment strategy are you using – ‘buy, hold and rent’?

KL: Yes. For now.

NHG: Why Calgary?

KL: We both ended up here… there’s more opportunity than where I am from (Nelson). Jason started coming here for development camps with the New York Rangers (who drafted him).

We both fell in love with Calgary and stayed. Now we are hanging onto the properties and it’s a great situation. We love it here. It’s a great city, and there’s a lot of draw for people to move here.

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 53

NHG: How have these properties performed for you, as investments?

KL: Great, but as with any house, there are repairs along the way.

NHG: How are your tenants? What are some tips on how to find, and manage, good tenants?

KL: Our tenants are wonderful. We are very fortunate to have them and we have a great relationship. Just make sure as best you can that they are stable. Interview as many people as you need to. You will know when you really like someone.

NHG: How has the recent downturn in the economy and housing market affected your properties?

KL: Rent is a little cheaper than it normally would be, but it’s okay… it will pick up again. We have confidence in that.

NHG: Prices are down in Calgary – might you be thinking of acquiring more properties?

KL: Not at the moment. It feels like we have a lot going on right now. But that is why we bought our forever home now – we took advantage of the downturn.

NHG: What other types of investment strategies have you considered?

KL: We have considered them all – storage units, condos, parking lots – you name it!

NHG: What led you to look at the building in Nelson? The location, building and type of investment are very different from your other properties…

KL: I’m from Nelson, but my family is no longer there, so it would have been nice to have a tie there again.

Nelson is a great place, so quaint.

Everyone falls in love with Nelson.

(Editor’s note: the LaBarberas backed out of the deal after the building inspection revealed some costly necessary repairs.)

54 YPNEXTHOME.CA

NHG: What did you learn from that experience that you can share?

KL: Be thorough. We have made this mistake before. Stefanie is very thorough, so that has helped us out in many ways. Get all the information you need to be comfortable with your purchase.

NHG: Now that the Nelson deal fell through, what might be next as you expand your property holdings?

KL: We’re just keeping an eye out for anything that the four of us feel comfortable with.

NHG: On the show, (NHL goalie Jonathan Bernier’s wife) Martine Forget joked that your and Jason’s real estate ventures were inspiring.

Have you actually encouraged friends and family to invest?

KL: Yes! I only really talk about it with people I am close to, though. It’s not something that comes up in everyday conversation. There are also just some people who enjoy talking about it more than others.

NHG: What advice would you have for others thinking of investing in real estate for the first time?

KL: Stay within your limits. Even if you get the funding, you don’t want to dig yourself into a hole. The economy and housing market can shift at any time.

NHG: Is Jason still playing? You joked on the show that he is nearing retirement…

KL: He’s not! He took a job as goalie coach for the Western

ABOVE: Kodette and Jason LaBarbera;

sons Ryder, 7 and Easton. 5

Hockey League’s Calgary Hitmen.

It’s a wonderful situation for us. No moving, great organization and he loves learning. I’m very excited and so proud of him.

NHG: What plans do you have now that he’s retired as a player?

KL: I’m not sure yet. Probably still do charity events and working with nonprofit organizations.

NHG: How are Ryder and Easton?

They seem like real characters…

How do you manage being a mom, hockey wife and real estate mogul all at once?

KL: Ryder and Easton are amazing.

They are so happy to be home and adjusting well. Ryder keeps advancing every day, as he has been for the last few years. They are hilarious – they make us laugh all day. We are very fortunate to have such wonderful, loving and spunky kids! We have a fun household. I just make a lot of lists.

I’m type A – I get stuff done!

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Trending

Three-quarters of Canadians risk missing out on 2016 tax savings: CIBC Poll

NOW IS THE TIME to take advantage

of certain tax-planning opportunities available only until Dec. 31, but more than three-quarters of Canadians won’t even think about their taxes until it’s too late to realize the savings, a new CIBC poll finds. As well, as many as two-thirds of Canadians are in the dark about how to reduce their 2016 tax bill.

“Too many Canadians put off thinking about their taxes until the new year, and by then it might be too late,” says Jamie Golombek, managing director, tax and estate planning, Wealth Strategies Group, CIBC. “December 31 is the quiet deadline that many may miss in the 56 YPNEXTHOME.CA

holiday rush. As we enter the final weeks of 2016, now is a particularly good time to sit down with your advisor to see what you can do to reduce your 2016 tax bill.”

“The most effective tax planning occurs throughout the year,” says Golombek. “Chances are that you’re leaving money on the table if you don’t know what tax credits and benefits are available to you, or if you miss the year-end deadline for some of them.”

Golombek discusses various taxplanning opportunities in his new report, 2016 Year End Tax Tips. He Golombek recommends talking to an expert to ensure you’re aware of

changes to federal and provincial tax credits. For example, 2016 is the final year to claim certain federal tax credits for families, children and students, including Children’s Arts & Fitness Tax Credits and Education and Text Book Credits. As well, new tax credits introduced in 2016 can also provide additional savings for seniors, caregivers and teachers.

3 WAYS TO REDUCE YOUR TAX BILL 1. Pre-pay any 2017 Children’s Arts & Fitness Activities before Dec. 31 to take advantage of the final year of up to $250 of expenses on artistic or cultural activities through the Children’s Arts Tax Credit and up

“Chances are that you’re leaving money on the table if you don’t know what tax credits and benefits are available to you, or if you miss the year-end deadline for some of them.”

to $500 of expenses on physical activity programs through the Children’s Fitness Tax Credit.

2. Renovate for home accessibility - The new Home Accessibility Tax Credit will permit a claim equal to 15 per cent of up to $10,000 for renovations to assist seniors and those eligible for the disability tax credit to be more mobile or functional in their home.

3. Stock up on school supplies – The new School Supply Tax Credit will help compensate teachers and early educators for school supply expenses they incur in the year.

“There may be things you can do now to realize tax savings when you file your 2016 return in the new year. So don’t wait until the last minute. Let a professional advisor help you navigate the tax rules,” says Golombek.

The poll also found that 61 per cent of Canadians received a tax refund in 2015. Moreover, half (50 per cent) agreed that getting a refund is a sign of good tax planning and only one quarter (26 per cent) disagreed, highlighting the need to seek financial expertise and advice. “Getting a tax refund isn’t really a windfall, it means that you haven’t been efficient in your tax planning,” says Golombek.

KEY POLL FINDINGS: Time of the year Canadians typically think about their taxes: January - February, it’s on my list of New Year’s resolutions March - April, just before I file my tax return May - June, once my tax return has been assessed July - August, when I have more free time September - October, when everyone is back to school or back to work November - December, to meet the Dec. 31 deadline Tax planning is a year-round priority for me Never, I don’t like to think about taxes I don’t know

29% 48% 2% 1% 1% 3% 10% 4% 3%

Canadians who know of any year-end tax planning opportunities that can help reduce tax burden and save money on their 2016 tax return: Yes 34% No 49% I don’t know 17% Canadians who are looking to take advantage of year-end tax planning opportunities before the December 31 deadline: Yes 28% No 45% I don’t know 27% Canadians who agree with the statement: ‘Getting a tax refund is a sign of good tax planning’: Yes 50% No 26% I don’t know 24% Canadians who received a refund on their 2015 tax return: Yes 61% No 35% I don’t remember 4%

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 57

Advice | LEGALLY SPEAKING

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

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

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

By Jayson Schwarz

MORE ADVICE ONLINE ypnexthome.ca/news/advice

FOR THE AVERAGE homebuyer,

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

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

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

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

58 YPNEXTHOME.CA

For example, if:

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

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

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

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

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

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

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Advice | MONEY MATTERS

Why are you in debt?

By Gail Vaz-Oxlade

PEOPLE WHO ARE IN DEBT often say

they no longer want to be in debt.

And often they take the steps to get themselves out. But, it seems to me, just as often people who claim they want to get out of debt do little to change their behaviour and their outcome. They keep on doing the things that got them into debt in the first place. Here are four questions 60 YPNEXTHOME.CA

you may want to ask about why you’re in the hole.

1. Do you buy stuff you don’t need?

The biggest cue that you’ve got the impulse monkey on your back are the things you have bought but no used: the clothes with the tags still on, the shoes you have yet to wear, the new dishes you’ve used just once or twice

in the six months that you’ve owned them.

Impulse shoppers are the first to admit they have a problem and the last to do anything about it. If you’re an impulse shopper, you need to remove the fuel for the impulse. That means cutting up your credit cards – or disabling them in some other

fashion – and limiting the amount of cash you carry. It also means leaving your debit card at home unless you’re headed out to take care of a need: gas, groceries, etc. When you do go shopping, you have to use a list and never go off-list.

Window shopping is torture for the impulse shopper so don’t browse stores or participate in this female bonding ritual since you’re just teasing yourself by drooling over a bunch of stuff you don’t need.

2. Do you use credit to buy things you can’t afford to buy with cash?

Hey, when you spend money you don’t have by using your credit card, line of credit or overdraft, you’re doing the wrong thing, plain and simple. If you can’t afford to pay for something in cash today, you should not be buying that thing, I don’t care how important you think it is, how great a deal you’re getting, or how desperate you feel. Using credit is no way to get out of debt. Put away all forms of credit and commit to building yourself a budget that balances. If you want something, you’ll have to give something else up to accumulate the cash you need to buy it. If you can’t come up with the cash, you must not want it badly enough.

3. Do you buy things for a one-time use that you could borrow from a friend or rent?

Practically everyone is guilty of this.

You need something such as a sewing machine or power washer twice a year so you go and buy one and then watch it – and the money you spent, likely on credit – sit and grow cobwebs (and interest charges?)

What’s with us all? We have to own everything we ever use? In the old

Impulse shoppers are the first to admit they have a problem and the last to do anything about it. If you’re an impulse shopper, you need to remove the fuel for the impulse.

MORE ADVICE ONLINE ypnexthome.ca/news/advice

days friends borrowed from each other and stuff got way more use.

Now our possessions are so much a part of who we are we a) hate to lend and b) hate to have to admit we don’t already have one. Dumb!

And why do we feel we need to apologize because we don’t have the right kind of wine glasses? “Sorry, I only have these cheap glasses.” It’s a glass for heaven’s sake.

go on forever. If you’re paying a premium to have a brand name, you have to ask yourself why. Is it because you don’t have confidence in your own sense of style? Is it because you’re trying to emulate the dudes and dames of TV and movie fame, wearing what they wear, driving what they drive, eating what they eat? How come? Is your life so sad that you’re trying to escape?

4. Do you buy certain brands because they are a status symbol?

While any car gets you from point A to point B, the high-cost, brandname buggies come with “oohs” and “ahhs” from friends and relatives.

Ditto the D&G sunglasses, the LV handbags, the CL shoes . . . I could

Hey, I’m all for spending your money on the things that bring you pleasure, so if you’re not using credit to make expensive brands part of your image, I’m not talking to you. But if you are using credit, what makes you think you have the right to this stuff if you can’t afford to pay for it?

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

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 61

Neighbourhood Profile

Yonge and Eglinton

By Elisa Krovblit

Fast facts Average household income

$87,220

Family structure

FAMILIES

COUPLES

SINGLES

14%

29%

57%

Own vs. rent

75%

RENTERS

25%

MORE PHOTOS ONLINE

OWNERS

nexthome.yp.ca/Yonge-and-Eg Cheers!

THE HEART OF MID-TOWN, Yonge

and Eglinton is a vibrant community with a little bit of everything, like a financial centre, nightlife, businesses, entertainment, parks, dining – plus lots of upscale shopping. It’s also a great neighbourhood for strolling, as well as a perfect place to live if you are reliant on public transit.

The vibe The vibe of this neighbourhood is a busy pace in the hub – right at Yonge and Eglinton – but the side streets are quiet and tranquil, with large, old trees and well-kept homes boasting manicured lawns. It’s a cool part of town, definitely attracting active and outdoorsy residents.

Meet the neighbours Sometimes referred to as “Yonge and Eligible,” the neighbourhood definitely has an element of young single professionals out to enjoy their community. There’s a wide range of 62 YPNEXTHOME.CA

pubs, lounges and shopping to meet that demand. There are also a lot of older, active adults on the move, with a lot of upscale and posh residences in the area. Affluence is definitely notable in this hood.

Planes, trains and automobiles Yonge and Eglinton is right on the Yonge subway line and the station is a really busy one. The area is well served by public transit for those who don’t have a car. Mount Pleasant and Avenue Road are also great access routes to the city when Yonge Street is too busy.

The good and the bad While there are still some deals and budget dining, the area is known for its upscale shopping and five-star restos. If you’re going to live here, be prepared for lots of traffic, bustle and noise – both of the car kind and pedestrian. It’s been rated very highly as a walking friendly area.

41%

33%

RED WINE

WHITE WINE

SOURCE: ENVIRONICS

Real estate The real estate market in Yonge ‘n’ Eg is healthy if not hitting its limit.

A number of new condos have been completed with an upscale feel.

There are also several older buildings that have been updated and condo-ized, and a lot of storefront walk-ups, though many of those are still used for commercial purposes to take advantage of the busy Yonge Street strip.

NOV 19 - DEC 3, 2016

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

IN THIS SECTION

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

Trending

Paint pros reveal top colour trends for 2017

By Lydia McNutt BENJAMIN MOORE has revealed its highly anticipated top picks for 2017 colour trends, and the Colour of the Year is (insert drumroll here)… Shadow 2117-30! This intense shade of purple is the polar opposite of the 2016 colour of the year, Simply White OC117, quite possibly signaling a shift in style trends to a richer, more dramatic interior esthetic.

“Allusive and enigmatic, Shadow is a master of ambiance. It is a colour that calls to mind a ‘past,’ yet it can also make a contemporary, colourconfident statement,” says Ellen O’Neill, Benjamin Moore creative director. “Shadow is sophisticated, provocative and poetic, it can bring energy to a space or harmony and a moment of respite.”

Shadow is paired with a carefully

curated collection of 22 other hues, inspired by architecture, fashion, textiles, home furnishings and the arts.

“It ebbs and flows with its surroundings and light brings it to life.

Rich, royal amethyst can fade into the soft lilac-grey of distant mountains or morph into lustrous coal. Indulge your mysterious side. Let Shadow set the mood,” says O’Neill.

“Fine art emerged as a leading inspiration, highlighting the correlation between an artist’s use of colour and light to create mood,” according to Benjamin Moore. “The inspirational Colour Trends 2017 colour card illustrates the use of colour in ways that celebrate how shadow and light travel throughout a space during the course of a day.”

2017 COLOUR OF THE YEAR

SHADOW 2117-30

64 YPNEXTHOME.CA

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Top 5 trends to help you select finishes for your new home

By Jane Lockhart ONE OF THE MOST exciting and

stressful times of purchasing a new home from plans is the opportunity to select your own colours and finishes.

Many clients hire us to come along with them to the builder’s decor centre for the selection process to make it smooth, fast and current in terms of trends.

The word “trend” is a confusing one, as it is often confused with the idea of a fad which is short term and likely to not last more than half a year to a year in length. A trend 66 YPNEXTHOME.CA

is an underlying current within the marketplace that is generally adopted by most people within a certain category whether it is fashion, home decor, interior design or a particular architectural style. It is this information that residential designers are highly attuned to and can provide valuable insight when selecting materials for your new home.

Here is a quick guide to trends you may want to consider as you chose materials and finishes for your new house or condo.

1) Solid surface countertops This includes quartz, granite and other materials such as Corian, although it is far less popular than it was a few years ago with the mass variety and colour of quartz products.

Solid surface counters are an ongoing trend in kitchens and master bathrooms, particularly, but where possible, adding these to secondary bathrooms and laundry rooms is also popular. Some of the new laminate countertop patterns are pretty nice and can work in less high traffic

JOHN HEINEMAN PHOTOGRAPHY (JOHNHEINEMANPHOTOGRAPHY.COM) COURTESY OF SORBARA GROUP OF COMPANIES (SORBARA.COM)

Inspiration | DESIGN SECRETS

A trend is an underlying current within the marketplace that is generally adopted by most people within a certain category whether it is fashion, home decor, interior design or a particular architectural style. spaces – and can offer cost savings.

2) High gloss porcelain tile in light colours in bathrooms and kitchens There is no question that we are in a time of “white” as the dominant colour for a variety of home decor objects. Tile is no exception, and has gone from beige and tumbled in look to a polished and marbled finish, complete with a high gloss surface. It is smooth and clean with a modern edge. This has become a staple in master bathrooms and front

foyers and given some layouts, even kitchens and mudrooms. Most tiles today are larger and are made from porcelain, which is more durable overall than ceramic.

3) Larger trim work and ceiling details for the main floor Rooms where we see this trend include the family room, dining room, foyer, office and living room. Be prepared to look at baseboard that is seven to 10 in. in height from the norm of

five just a few years ago. More elaborate ceiling details such as tray, coffered or waffle applications continue to grow in popularity, as well as crown molding in wood or plaster. Included in this category is wainscoting and paneling which both are popular in main floor rooms as finishing treatments.

4) White cabinetry and dark islands Floor-to-ceiling cabinetry is becoming more common with double-stacked cabinets. Different NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 67

coloured islands continue although wood choices are moving from maple to cherry and even to walnut for a more lux feel. Island colours such as black, ebony, gray and charcoal have become more popular, as homeowners look for creative but classy alternatives to chocolate brown.

5) Hardwood flooring a top seller in new homes Change is underway in both colour and finish, however. With a nod to softer palettes, lighter hardwoods

have begun to gain traction with pale grey-blond floors and even ash-coloured oaks popping up here and there. Wider plank flooring is still more interesting than long thin strip flooring and the glossy finishes of just a few years ago are on the decline.

Look for more wire-brushed and hand-scraped finishes as they provide surfaces that are less likely to show wear and scratches than traditional dark, glossy hardwoods.

There are more trends out there in new home construction, but this summary reminds us that the

underlying current of dominant design ideas shape what we subconsciously select in the long run. It is important to understand what has staying power and what doesn’t, so you make sound choices when selecting materials and finishes for your new home. It’s hard to think too far ahead, it’s possible that these finishes may surround you and your family for a lifetime.

So, do some research before you make final selections to ensure you know what you want and where design trends are heading.

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

68 YPNEXTHOME.CA

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DOWNLOAD THE APP NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 67

Inspiration | HOLIDAY DECOR

TIPS FOR DECORATING AND ENTERTAINING FOR THE

by Lisa Rogers

I LOVE THE HOLIDAY SEASON, and I have

always gone all out – decorations, lots of entertaining, big trees (and finding needles for the next six months).

But in these days of busy schedules, everyone wants the feeling of the holidays but not the huge amount of stuff or effort. So many of my clients are downsizing from large family homes, and I have many younger clients

70 YPNEXTHOME.CA

moving in to their first homes, condos mostly, but always small. The result is less space to display and to store.

Luckily, we’ve got technology on our side, helping to create big impact in smaller spaces. Like strings of lights embedded right into the wire. And trees with bendable limbs for making your own sculptural form but then detaches from the tree trunk for easy storage.

So here’s my list for easily creating the great holiday feel without crowding you out of house and home.

1. First impressions: a small tree as soon on the hall console table, such as Restoration Hardware’s faux Norfolk Island pines wrapped in burlap; bare sculptural branches arranged in a large glass vase, and hung with beautiful glass ornaments; a basket filled with (faux or real) greens, pine cones and berries in the front entryway.

2. Faux is the way to go: the fake Christmas trees today look so real you have to touch them to know for sure and there’s no trail of needles for months and month. Faux garlands have the advantage of going anywhere – on the banister trimmed with ribbons and ornaments, woven into the dining room chandelier, the pot rack above your island, or on bathroom shelves.

3. Illuminate: Fill your home with the twinkle of LED bulbs. Get creative with placement – a strand woven around the buffet table is pretty, or strung over your indoor tropical plants. Candles, too, create gorgeous atmosphere, and to avoid any fire hazard (and mess from wax) try battery-operated ones.

They look real – some are even made out of wax – and come with a remote control for instantaneous atmosphere.

4. A roaring fire invites getting cosy.

It doesn’t even have to be real wood – the new gas models roar just as nicely. The mantel is an ideal place to pile on the vintage Christmas ornaments suspended from a string of beads, or to weave strands of LEDs through a garland or loose boughs, and around hurricane candle holders filled with glass balls.

5. Riots of colour. Stick with a scheme – red or anything else you feel like but be consistent – table mats, napkins, candles, bowls of red ornaments, pillows and throws.

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 71

6. The nose knows: pomanders and essential oils fill your home with the aroma of the holidays – pine oil, frankincense (great for keeping us calm during the holiday frenzy), or a mix of cinnamon, nutmeg and cloves.

7. Ho-ho-ho at the cottage: Send everyone out to gather pine cones, evergreen boughs, bare branches, birch bark (as long as it’s already off the tree, or on a branch that’s on the ground), and mix with vintage ornaments on the mantel, tree and dinner table.

8. Decking the deck: looking out on a terrace or deck that’s covered in snow and lit up with evergreens and twinkly lights is magic. Even if you only have enough space for a wrought iron urn, fill it with evergreen bushes, or boughs, wrap with a strand of twinkly white lights and hang colourful ornaments.

ENTERTAINING 1. Keep it simple, good quality and stress-free. At holiday time, people’s party schedules often aren’t flexible enough for lingering over dinner, so keep it simple with a drop-in. Either way, keep menus to an easy prep minimum. For drop-ins, too, a simple menu is best. It’s easier on me, but it also keeps guests from feeling overwhelmed by food – remember most people have more than one holiday event on their calendars.

Fresh oysters and champagne, for example, along with a few seasonal favourites, such as bowls of pears and mandarin oranges, bowls of almonds and cashews. A simple, beautiful cheese tray or charcuterie platter – you don’t need a lot it just has to be good. The same goes for drinks – stick with minimal offerings to make it easy for you, as in craft beer and two great wines, one red, one white.

2. If it’s a dinner party, go potluck. Short on space? Set up a buffet at the kitchen island and invite guests to eat wherever they can find a spot to perch, and where communication is possible.

3. Just because there’s a little snow outside, doesn’t mean you can’t use the barbecue. I have friends who swear by deep frying turkey – and I’ve tasted the delicious results. Just get the oil really hot and deep fry the turkey, but make sure you don’t stuff the bird and make sure it’s defrosted.

4. As much as I like to keep things simple, especially at holiday time, I still like to make that one special traditional item, like the best ever shortbread from my grandmother’s recipe box. For me, the beauty in cooking is doing a good job, and seeing the effect it has on people.

Because when my friends and family are happy I’m happy.

Lisa Rogers is exclusive Interior Designer for Dunpar Homes, adding her keen eye and design expertise to the builder’s passion for craftsmanship, quality materials and timeless design. Lisa has appeared on various TV shows, and is a regular guest consultant on City’s Cityline.

72 YPNEXTHOME.CA

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Trending

Need a little luck to find that perfect home?

By Elisa Krovblit WANT TO LIVE AT lucky number

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

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

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

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

4 UNLUCKY

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

You may find buildings like hotels, apartments and even hospitals without a fourth floor and even without a room number 4. In fact, Vancouver has had an increasing problem with developers wanting to omit the fourth floor, 14th floor and any other floor with the number 4 — even excluding suites with the number 4. According to Chief 74 YPNEXTHOME.CA

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

7 LUCKY

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

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

8 LUCKY

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

Now you know why. …continued on page 73

…continued from page 72

9 UNLUCKY

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

13 UNLUCKY

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

17 UNLUCKY

In Italy, 17 is not a welcome number.

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

18 LUCKY

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

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

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

666 EVIL

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

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

Beast.” This one is pretty universal.

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

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

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

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

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

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

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 75

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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

VICTORY HEIGHTS By: Treasure Hill City: Vaughan Housing type: 40- and 42-ft. luxury singles at Eagles Landing Road and Dufferin Street treasurehill.com

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

ASPIRE TO

Chelsea is idea

Maple GO, with

SPICE URBAN TOWNS

and within minu

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

CHELSEA MAPLE STATION – ASPEN RIDGE HOMES GO DOWNTOWN IN 34 MINUTES.

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

BLUE SKY By: Fieldgate Homes City: Stouffville Housing type: 36-, 40- and 50-ft. singledetached homes from the $900s fieldgatehomes.com

76 YPNEXTHOME.CA

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

TESTON RD.

VALLEYLANDS By: Fieldgate Homes City: Brampton Housing type: 38- and 41-ft. singles starting from the $800s fieldgatehomes.com

CORNELL ROUGE By: Madison Homes and Forest Hill Homes City: Markham Housing type: Freehold townhomes and single-family homes from the mid-$800s cornellrouge.com

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

MILL STREET VILLAGE By: Ballymore Homes and Briarwood Homes City: Tottenham Housing type: 50-ft. singles starting from the high $790s. millstreethomes.com

By: Tribute Communities City: Oshawa Housing type: Detached community offering 36-, 40- and 50-ft. designs mytribute.ca

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

HWY. 400

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

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卑詩省新稅對 多倫多的影響

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LATEST LISTINGS

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

…continued from page 74

preview registration

TIMBERLANE – BROOKFIELD RESIDENTIAL

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

HILLSBOROUGH HOLLAND LANDING By: Great Gulf City: East Gwillimbury Housing type: 36-, 40-, 45-ft. detached homes on Highway 7, north of Davis Drive greatgulf.com

GLENWAY PHASE 2 By: Andrin and Lakeview Homes City: Newmarket Housing type: Two- and three-storey townhomes, and 50- and 55-ft. singles glenwayliving.com

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

VICTORY HEIGHTS By: Treasure Hill Homes City: Vaughan Housing type: 40- and 42-ft. luxury singles at Eagles Landing Road and Dufferin Street treasurehill.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 78 YPNEXTHOME.CA

VILLAGE GREEN

THE LOGGIAS IN RICHDALE

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

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

BOXGROVE VILLAGE

THE VILLAGES OF KILLARNEY BEACH

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

LAKE POINTE By: Rosehaven Homes City: Stoney Creek Housing type: Five 60-ft. singles coming soon. rosehavenhomes.com

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

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

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

DOWNSVIEW PARK By: Stafford Homes City: Toronto Housing type: Three- or four-storey townhomes from the $800s. staffordhomes.ca

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

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

Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS

variable

ATB Financial

2.5

Alterna Bank

2.45

Bank of Montreal Bank of Nova Scotia

1 year

2 years

3 years

4 years

5 years

4.1 4.10op 4 6.30op

3.04 4.10op 2.79 6.30op 3.09 6.95op 3.29 6.50op 3.14 6.30op 2.84 6.35op 3.14 3.14 6.35op 2.84 3 3.20op 3.14 6.70op

2.39 4.10op 2.69

2.54

2.59

2.59

2.49

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 2.45

3.65 3.39

4.39 4.09

4.64 2.65

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

3.44

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

2.65

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 3.04 4.00op 3.19

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Investors Group Trust

2.25 n/a

MTCC

2.9

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op

3.25 3.5

3.95 3.7

4.39 4.3

4.64 4.35

2.14 3.09

2.34 3.39

2.59 3.89

2.49 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

2.69

2.49

2.69

2.48

2.89

2.95

2.99

2.89

2.24 2.79

2.39 2.89

2.49 2.95

2.59 2.89

3.09

3.39

3.89

4.64

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.

2.45

First National Fin. LP IC Savings

2.7

London Life

n/a

Luminus Financial

3.25

Meridian Credit Union

2.4

PACE Savings & C.U.

4 5 6.70op

Parama Credit Union

2.65

Steinbach Credit Union

2.25

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

R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE Nov 7, 2016. Prepared By Fiscal Agents Financial Information Services 905.844.7700

NOV 19 - DEC 3, 2016 | NEW HOME GUIDE 79

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projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

Treasure Hill Homes

SITE

Victory Heights

CONTACT INFO

continued from page 80 PROPERTY TYPE

PRICE RANGE

T

treasurehill.com

PIN

MAP FINDER

6

18L

70

25N

East D

13 & 21

Averton Homes

Beacon Hill Bowmanville

905-674-6166

21

Averton Homes

Main Street Seaton

289-545-0022

21

Averton Homes

The Estates at Riverbend

Averton.ca

25

Fieldgate Homes

Whitby Meadows

fieldgatehomes.com

D

T

31

28N

Mattamy Homes

Queen’s Common

mattamyhomes.com

D

T

91

27O

Mattamy Homes

Seaton

www.mattamyhomes.com

D

T

44

24N

Treasure Hill Homes

Shift

treasurehill.com

70

25N

19

Treasure Hill Homes

Urban Town Living

treasurehill.com

from $390,000

70

25N

Tribute Communities

Corporate

mytribute.ca

D

23

Tribute Communities

Park Ridge

mytribute.ca

D

from $750,000

88

31N

Tribute Communities

U.C.Towns

mytribute.ca

D

from $556,000

71

30M

Andrin Homes

Hillsborough Holland Landing

andrinhomes.com

D

from $820,000

51

18E

Aspen Ridge Homes

King Country Estates

905-558-0255

D

18

13I

Aspen Ridge Homes

Queensville

yourqueensville.ca

D

from $550,000

46

20D

21

Averton Homes

Victoria Highlands

416-924-0110

D

21

Averton Homes

Village Green

416-924-0110

63

ELM Developments

Georgian Sands

georgiansands.com

17

Great Gulf

Hillsborough Holland Landing

greatgulf.com

Great Gulf

Sharon Village

905-478-7362

Great Gulf

Summerlyn Village

905-775-3461

Mattamy Homes

The Estates of King Township

mattamyhomes.com

Rosehaven Homes

Anchorwoods Holland Landing

anchorwoods.ca

Treasure Hill Homes

Acacia Estates

treasurehill.com

Treasure Hill Homes

The Estates of King Township

treasurehill.com

Tribute Communities

Gates of Nobleton

647-633-3500

from $400,000 from $400,000 C

from $350,000

T

North

T

S

from $850,000

69

23E

T

from $590,000

69

23E

T

from $240,000 from $750,000

51

18E

from $600,000

65

20E

from $700,000

52

17D

74

16I

86

19E

56

16J

87

16I

D T D T D

S T

from $2360,000

D T

from $1000,000

18

13I

T

from $360,000

22

9L

T

from $500,000

West Aspen Ridge Homes

Mayfield Village

905-230-2592

D

21 & 37

Averton Homes

Averton Square

905-378-2500

D

49

Carriage Gate Homes

Legacy Ancaster

carriagegatehomes.com

D

Fieldgate Homes

City Towns Valley Lands in Brampton

fieldgatehomes.com

D

Fieldgate Homes

Lotus Pointe Caledon

905-838-2806

D

Fieldgate Homes

Valley Lands

905-457-0445

D D

25

7

7

Gold Park Homes

Encore Brampton

905-970-8236

Great Gulf

Trafalgar Landing

905-844-1605

Great Gulf

Westfield

905-866-6876

S

from $900,000 S

S

T

from $400,000

26

9P

T

from $724,000

23

8M

T

from $800,000

26

9P

from $650,000

63

8M

T

from $200,000

30

8V

from $537,000

24

8P

from $634,000

59

6S

from $496,000

60

7O

D

Mattamy Homes

Cranberry Hill

mattamyhomes.com

Mattamy Homes

Hawthorne South Village

mattamyhomes.com

T

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

T

Mattamy Homes

The Preserve

mattamyhomes.com

Mattamy Homes

The Village of Southfileds

mattamyhomes.com

Mattamy Homes

Topper Woods

mattamyhomes.com

from $325,000

D

C

T

from $406,000 C

T

from $520,000 from $195,000

29

7V

66

8M

Mattamy Homes

Wildflowers

mattamyhomes.com

T

Primont Homes

16 Mile Creek

primonthomes.com

T

92

5U

Primont Homes

Newtowns at Mount Pleasant

primonthomes.com

T

25

7O

Primont Homes

Seasons in Caledon

primonthomes.com

Treasure Hill Homes

Tiara Estate Collection

treasurehill.com

S

T

from $715,000

27

8M

T

from $1090,000

78

11L

Property Type D Detached S Semi-Detached T Townhome

projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

SITE

CONTACT INFO

PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

Central 5

Andrin Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

D

IFC & 1

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

21

Averton Homes

Averton Common

416-746-1234

Averton Homes

Corporate

Averton.ca

T

21

Averton Homes

Evolution

416-747-1234

Fieldgate Homes

90 Niagara

416-981-0036

from $650,000

45

13L

33

18Q

from $2100,000

34

17R

from $1099,000

4

17L

from $690,000

80

13L

T

from $320,000

75

13R

D

T

from $346,000

35

16S

T

from $620,000

14

19G

from $900,000

12

22J

53

16L

3

12K

36

16R

T

C

Aurora Trails

fieldgatehomes.com

D

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

29

Forest Hill Homes

Bridle Path of Thornhill

foresthillhomes.ca

D

11 & 29

Forest Hill Homes

Cornell Rouge

905-472-9556

29

Forest Hill Homes

Jefferson Forest

foresthillhomes.ca

Geranium Homes

Twelve on the Ravine - Highland Creek

12ontheravine.com

45

Geranium Homes

Vista at Cardinal Point

vistaflatsandtowns.com

32-33

Gold Park Homes

Corporate

goldparkhomes.com

D

Gold Park Homes

Kleinburg Glen

905-417-7483

D

Great Gulf

Corporate

416-449-1340

Lakeview Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

Madison Homes

Briar Hill

madisonhomes.ca

Madison Homes

Cornell Rouge

905-472-9556

D

Madison Homes

REALTowns Thornhill

Madisonhomes.ca

D

Madison Homes

Thornhill Ravines

905-417-1203

D

Madison Homes

Zigg

ziggcondo.com

D

Mattamy Homes

Alderidge

mattamyhomes.com

D

Mattamy Homes

Cornell

mattamyhomes.com

D

T

Mattamy Homes

Corporate

mattamyhomes.com

D

T

Mattamy Homes

Downsview Park

mattamyhomes.com

Mattamy Homes

Heron Park

www.mattamyhomes.com

Mattamy Homes

Kleinburg Summit

mattamyhomes.com

Mattamy Homes

Lago

monarchgroup.net

Mattamy Homes

Picasso on Richmond

monarchgroup.net

Mattamy Homes

Richmond Green

mattamyhomes.com

Mattamy Homes

Riva del Lago

monarchgroup.net

8-9

7

C

D

Fieldgate Homes

BC

16L

from $190,000

T

Fieldgate Homes

11

18F

8 T

25

5

68

T S

T

from $1000,000

T from $2500,000

50

18E

T

from $890,000

16

23M

T

from $990,000

10

18J

D

T

from $1700,000

89

23P

D

T

from $420,000

12

22J

D

8M from $690,000

3

12K

from $1000,000

68

18F

from $500,000

1

16Q

from $890,000

16

23M

from $1000,000

85

17L

from $1800,000

53

16L

from $380,000

10

18J

from $1138,000

82

13S

from $260,000

17

22M

37

15P

from $400,000

38

22Q

from $860,000

84

13K

C

from $220,000

39

14S

C

from $550,000

40

16S

T D T S

T S

S

T

D

D

T C

41

18K

from $300,000

39

14S

from $450,000

42

19R

55

22M

5

15K

9

18K

D

Mattamy Homes

Thomson Towns

mattamyhomes.com

Mattamy Homes

Upper Summerside

www.mattamyhomes.com

S

T

Primont Homes

JadeGarden at Cornell

primonthomes.com

S

T

Primont Homes

Renaissance Townes

905-417-3363

T

7

Primont Homes

Uptowns on Bayview

primonthomes.com

T

15

Rosehaven Homes

Corporate

rosehavenhomes.com

T

41

Stafford Homes

Downsview Park

staffordhomes.ca

T

from $800,000

Treasure Hill Homes

Aurora Views on Wellington

treasurehill.com

T

from $1460,000

57

19H

Treasure Hill Homes

Time

treasurehill.com

T

from $600,000

72

18H

19

continues on page 79

from $750,000

Property Type D Detached S Semi-Detached T Townhome

Baxter

Line

Line

Line

10th

8th

6th

al Pkwy

es Disse i tte an In du St stri

Ar t

tC an al

d

Simco

Toronto

Laird Dr

Ave

er Ov

Bro adv iew

Eastern Ave

M

Coxwell Ave

Ave

Jarvis St

40

Queen St W King St W Front St W

Parliament St

35

University Ave

Lansdowne Ave

Christie St

e

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

34

Eglinton Ave

33lea Blvd

Greenwood Ave Donlands Ave Jones Ave Pape Ave

Avenue Rd

36

Mt Pleasant Rd

Spadina Rd

St Clair Ave W

Davenport Rd Dupont St

Moore Ave

Bayvi w

5th

3rd

Line

Line

Line

Line

Line

W eston Rd

Mo rn

Mono C

Ma St in

Rd

SC a

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Gamble Rd

McNaughton Rd

Maple Leaf Dr

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Sunset

Eastlake

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King-Vaughan Rd

Weston Rd

Pine Valley Dr

Kipling Ave

400

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Weston Downs

Etobicoke

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Bloomington Rd

56King Rd

Wilson Ave

Burnhamthorp eR d Bloor St W

7

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Yonge St

74

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Langstaff Rd

Finch Ave W

Rathburn Rd

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9

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20th Sideroad

1st Lin e EHS

Blind Line

4th Line

5th Line

7th Line

8th Line

25th Sideroad

9th Line

10th Line

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Station St

7

Sideroad

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Hancock Rd

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Rundle Rd

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Concession 11

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Concession Rd 4

Salem

H

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Taunton Rd

Nash Rd

Concession 12

J

Hampton

Solina Rd

Pebblestone Rd

Courtice Rd

59

Concession Rd 6

Washington Rd

Olive Ave

Vannest Rd

58 King St

Solina

Mitchell’s Corners Tooley Rd

Townline Rd

P

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Old Scugog Rd

Ormiston Rd Langmaid Rd

Gibb St

8855

62 hi

Union School Rd Wotten Rd

Enfield Rd

Grandview St N

35

Bond St

22 rth St Went wo

60

Townline Rd

54 Adelaide Ave

Park Rd

Stevenson Rd

Halls Rd

Pickering Beach Rd

Shoal Pt Rd

Westney Rd

Harwood Ave

Henry St

Burns St

Hoyer Rd

Nestleton Rd

Cartwright West Quarter Line

Sandy Rd

Graham Rd Russell Rd

Wilson Rd

53

Grandview St N

Ritson Rd

4

34

Sand Bar Rd

Ogemah Rd

Washburn Island Rd

Rd

33

Harmony Rd

52

Dundas St

Valentia Rd

Eldon Rd

Beacroft Rd

Mississaugas Trail

He ad

Harmony Rd N

Simcoe St

Stevenson Rd N

36

3

Concession Rd 7

Oshawa

28 Ma nn in g Rd

Hopkins St

Cochrane St

Brock St

Salem Rd

Victoria St

Garden St

McQuay Blvd

Halls Rd

3143

Whitby

Mountjoy Rd

Concession Rd 10

Enniskillen

G

Fallis Rd

Cadmus

Devitts Rd

Concession Rd 9

Conlin Rd

Nestleton

McKee Rd

57

Byers Rd

3

71 16

Thickson Rd

Anderson St

12

Ritson Rd

Thornton Rd

Columbus

Bradburn Rd

Burketon

Boundary Rd

Winchester Rd

2

Moore Rd

Bush Rd

White Rock Rd

Fingerboard Rd

Sim coe St

Till Sdrd Stevenson Rd N

Duffs Rd

Columbus Rd

3rd Concession

Barry’s Rd

Station Rd

Old Simcoe Rd

Diamond Sideroad

Cochrane St

Cedarbrook Tr

Ashburn Rd

Country La

Coronation Rd

Halls Rd N

Ravenscroft Rd

Squire Beach Rd

Sandy Beach Rd

East Ave Port Union Rd

44

Heron Rd

Country La

Kinsale Rd

Salem Rd

Westney Rd

24

26

19

Raglan Rd

Raglan

3

91

41

Coates Rd

7 12

Taylor’s Rd

Sideroad 18

Sideroad 18A

Grey Sideroad

Bryant Sdrd

Sideline 2

Sideline 4

Greenwood Rd

Ajax

Shirley Rd

Howden Rd

Lyndebrook Rd

Rossland Rd 31

Scugog Line 3

Malcolm Rd

Edgerton Rd

Church St

2

Myrtle

Brooklin

Taunton Rd

Scugog

Scugog Line 4

t Rd

Mariposa/Ops Bdry

Eldon Rd

Ridge Rd

Spadina Sdrd

Marsh Hill Rd

Dagmar Rd

Myrtle Rd

Brawley Rd

Greenwood

oin

Eden Rd

Sideroad 18A

Blackwater Rd

Sideroad 17

57 Proutt Rd

Reach St

Scugog Line 2

Ashburn

5th Concession Rd

2

Bayly St

Wetheral Sdrd

Sideroad 17

Rd st Ma

Lakeridge Rd

Balsam Rd

Paddock Rd

Riverside Dr

Church St

Liverpool Rd

eE Av

Lawrence Ave E

31

HWY

Rd

Pine Pt Rd

Ma Brown’s Rd

Chalk Lake Rd

Mount Zion

70 Brock Rd

Dixie Rd

Valley Farm Rd

ton gs Kin

Balsam Sideline 5

Sideline 22

Sideline 22

Whites Rd

Rosebank Rd

Altona Rd

rd pa ep Sh

Meadowvale Rd

nR sto ng Ki

38 Sheppard Ave

89

38 West Hill

44

Finch Ave

Sideline 12

7

Concession Rd 3

27

High P

Concessio

Main St

Woodbine Ave

Daw es R d

Rd rth nfo Da

Beare Rd

Scarborough 42 St Clair Ave E

Guildwoo d

4th Conc Rd

Plug Hat Rd

Military

Morningside Ave

Dr

Bellamy Rd

Eglinton Ave E

Milner Ave

il Tra

Brim o rt on

Scarborough Golf Club Rd

Victoria Park Ave

Midland Ave

Pharmacy Ave

Birchmount Rd

Brimley Rd

Don Vally Pkwy

Ellesmere Rd

Sewells Rd

Neilso n R d

Nugget Ave

Sheppard Ave

evin McL

E Ave

Old Finch Ave Rd

Whitevale

Westney Rd

Sideline 14

Sideline 24

Box Grove Steeles Ave E

Sideline 14

Sideline 16

North Rd

71

Tapscott Rd

Middlefield Rd

tingwood Dr H un

401

rD no

Sideline 28

Denison St

404

O’Co n

407

11th Line

ark Dr

Markham Rd

14th Ave

71

Agincourt

Mortimer Ave

7

Pickering

Whitevale Rd

McNicoll Ave

d

wy

7

Passmore Ave

eW

ns P k

9th Line

HWY

n Rd Alde Esna P

12

u se

17 16 Locust Hill 55

Main St

Woodbine Ave

Leslie St

Unionville

Co

7th Concession Rd

8th Concession Rd Sideline 22

al

d

Sideline 24

D on

Markham 73

Sideline 20

17th Ave

Sideline 34

69

Markham-Pickering Townline

67

Claremont

Rd

Jobb Rd

Uxbridge Pickering Townline

5

Elgin Mills Rd

Major Mackenzie Dr

25

Sideline 32

48

Glen Major

1

Dicksons Hill Reesor Rd

Kennedy Rd

6th Ave

St

65

Warden Ave

d Hill

McCowan Rd

919th Ave

nd Isla

Beacock Rd

Pine Rd

Webb Rd

Altona

10th Line

efferson

Glasgow

Stouffville 12

Main St

Sideline 26

Markham Rd

Stouffville Rd

14

Houston Rd

Allbright Rd Brock Rd

Bethesda Rd

Bethesda

Victoria Square

Secord Rd

F

Mabels Rd

L AKE SCUGOG

Utica

40

Whitchurch-stouffville

Demara Rd

Scugog Line 6

Ried Rd

21

47

Cottage Rd

Rainbow Ridge Rd

Pogue Rd

Whitfield Rd

Epsom

E

28

7

Scugog Line 8

Ward Rd

Ramsey Rd

.

La ier oz Cr

Cross

7 Mile Chandler Dr Island Rd

8

8th Conc Rd

R

Goodwood Rd

HWY

34

Sideroad 17A

Shier Rd

Brookdale Rd

47

D

16

Harper Rd

Scugog Line 9

HWY

4

Ranch Rd

Seagrave

Clements Rd

Scugog Line 9

Medd Rd

Uxbridge

Prouse Rd

t Beach Rd

Sideroad 17

Brock Rd

8th Conc Rd

O’Beirn Rd

Wagg Rd

Hillsdale Dr

Aurora

47

Algonquin Rd

Little Britain Rd Cricket Hollow Rd

Little Britain Rd

Zion Rd

Hood Dr

Dewdrop Rd

C

Cresswell Rd

Salem Rd

Cookston Rd

B

Taylor Corners

Farmstead Rd

Kawartha Lakes

Royal Oak Rd

Scugog Line 12

Cragg Rd

Re ach St

HWY

7th Conc Rd

d

Scugog Line 12

Canton Rd 8

6th Conc Rd

Vandorf Rd

Lloyd Sdrd

Lake Ridge Rd

Jesse Thomson Rd

e hor

8

Aurora Rd Lak es

Farmstead Rd

Little Britain Rd

7 12

Marsh Hill

Ball Rd

Roseville Siloam

Ballantrae 15

Saintfield Blue Mountain Rd

6

Oakwood

7 7th Concession

Brock-Scugog Townline Rd

1

Cam

GrahamRd

13

6

A

18

Manilla

Pinedale

Scugog Line 14

9

Skyline Rd

9th Concession

6th Concession

Victoria Corners Rd

Victoria Corners

Goos

Quaker Rd

2nd Concession

23

St Johns Rd

Wesley Cors

4th Concession

Uxbridge

4th Conc Rd

57

St John’s Rd

Sunderland

Foster Dr

Feasby Rd

3nd Concession Rd

72

14

11

2nd Concession Rd

Bayview Ave

St

Woodbine Ave

26

Bow St

Cherry St Faulkner Ave

Bogarttown

P e ff e r l a w

1

St John’s Sideroad

Weirs Rd

Sandford

Peniel Rd

46

10th Concession

5th Concession

13

Davis Dr

Cedar Valley

Vivian Rd

74

Vallentyne

9 Rd

33 The Glen Rd 34 Black School Rd

11th Concession

Islay

Rd

9

Valley

32 12

8th Concession

6

Grasshill

Woodville

Cannington

9th Concession

King St

Linden

31

Derryville 12

Vrommanton

23

Kennedy Rd

Sandford Rd

30

Brock

Woodville

St

King

2

Concession

2

6th Concession Rd

Mulock Dr

Udora

Leaskdale Rd

Ashworth Rd

York-Durham Line

Newmarket

Weir’s Sideroad

Davis Dr

82

Zephyr Rd

13

5th Concession Rd

West Franklin

t

14th

29

Hartley

Lorneville

10

5th Concession Rd

19

Bales Dr

39

69

9th Concess ion

Herald Rd

St

Rd Franklin

Green Lane

Wilfrid

10th Concession

Fowlers Rd

4th Concession Rd

Mount Albert Rd

13

3rd Concession Rd

Rd

65 12

ain M

Centre St

ng ndi La

Farr Ave

13

Ravenshoe Rd

Brewster Rd

Zephyr

Hollingers Rd

Doane Rd

Bridle Path

51

ad

77

Hornes Rd

Cedarbrae

39

Meyers Rd

Orchard Ct

Queensville Sideroad

Queensville

Stoney Batter Rd

48

28 13th Concession

Rd

Q u a r ter

Lorneville

46

Brock-Thorah Townline East

Concession

21

Old Shiloh Rd

Foot Dafoe St St

Holborn Rd

Cedarbrook Dr Rd

Concession Rd 3 Thorah

Concession Rd 2 Thorah

48

14th

27

Old Homestead Rd

Georgina

Leitch Rd

Cole Rd

46 East Gwillimbury Doane Rd 86

45

51

8

Morning Glory Rd

Dr

g Irvi n

81

Brown Hill

Boag Rd

Maple Hill

26

Smith Blvd

Frog St

2nd Concession Rd

Leslie St

Sand Rd lla nd

Ravenshoe

79

BrockThorah Twnl W

Thorah Beach Port

Point

25

18

Audubon Way

3

2nd Concess ion

77

Rd

24

Prout Rd

Boag Rd

Holborn Rd

38

ing ter Ca

Island View

Rd

Maple Beach

Duclos Point

Rd

Virginia

Latimer Rd

Miles Rd Blake Ave

Holland Marsh

32

Carley Rd

The Queen sway

Ravenshoe Rd

Rd st re nc ve Ra

River

Park Rd

Pollock Rd

Glenwood Ave

0th Line

Cryderma n’s Rd

Morton Ave

COOK’S BAY

Sdrd

23

Mile Lane

Lasher La Valley Vie w Dr

nt ry Bethel Side Rd

Baldwin Rd

l

Briars Pk

Sutton

St gh

22 Cou

Old Homestead Rd

Black 80 Hi

Rd 9 ing

Church St

Gilford Rd

Ho

Base Line Rd

Lockie Sd Rd

21

Rd

e dge

Park Rd

20

Rd

Jacksons Point

3 8A

Boyers Sideroad

h ore

Dalton Rd

19

Deer Park Rd

The Que ensw ay

Harbour St Pine Ave

Line

20th Sideroad

8

Roches Point DeGrassi Point

Island Grove

Metro Rd

Willow Beach

Rd

t tS ar Ew

39

ney Beach Rd 3rd

e Lak 78

H

Belle Aire Beach Rd

Lake

Dr

S

d eR

Mapl

fil

23

Nantyr Park

Civic Cen tre

20th Side road

Line

Line

Cate r

7th

6th

John’s Rd

Nantyr

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