BC New Homes Guide - Feb 06, 2015

Feb 06 - 20, 2015 Volume 23 Issue 03

NewHomeAndCondoGuide.ca

Discover Townhome Living with Exclusive Clubhouse from $269,900 604.607.7801 or polyhomes.com INSIDE THIS ISSUE

CHINESE NEW YEAR: YEAR OF THE SHEEP

FUTURE-PROOF BY REFINANCING NOW

HOW’S YOUR FINANCIAL FITNESS?

FREMONT INDIGO NEW HOMES NEW DESIGN

YORK

CLAYTON MARKET

OWN FROM $1,049/MO*

AVAILABLE EARLY 2015

A BETTER HOME. From deliberating every detail and making the most of every inch to creating beautiful street appeal, our obsession with design is evident in each home we build. *Please ask us for details. E.&O.E.

FREMONT GREEN OWN FROM $700/MO*

FREMONT, PORT COQUITLAM 604.552.0319 WILLOUGHBY, LANGLEY 604.882.6758 CLAYTON, SURREY 604.574.5735 FREMONT, PORT COQUITLAM 604.468.0084

See the design-driven difference.

Visit a MOSAIC Home Store or

mosaichomes.com

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 5

!

3

E NA IN L N 8H E X OM T M ES O N TH

FI

V O M

3 BEDROOM TOW N HOM ES STARTI N G AT $ 539 K

OPEN SATURDAY AND SUNDAY 1 - 4 PM OR BY APPOINTMENT

This is not an offering for sale. Any such offering must be made with a Disclosure Statement. *Prices and promotion are subject to change. E & O.E.

CANOE Join us Saturday Feb. 7th as we release 14 new homes to market.

Homes include single family, triplex and townhomes. Come discover Canoe in Port Royal, a unique collection of triplex, townhomes

*Prices and availability subject to change or be withdrawn without notice and do not include taxes. E&O.E.

SKINNY ISN’T ALWAYS BETTER. IN OUR HOME, BIG IS BEAUTIFUL.

and single family homes. Starting from $439,900. NOW SELLING! Call or visit: 604.544.2258 or Aragon.ca/Canoe

260 EWEN AVENUE, NEW WEST #ARAGONFORWARD

Aragon Properties Ltd.

contents

FEBRUARY 6 - 20, 2015 || VOLUME 23 ISSUE 3

ON THE COVER

p. 16

special features 12 Editor’s Note

Feb 06 - 20, 2015 Volume 23 Issue 03

NewHomeAndCondoGuide.ca

30

BRIGHTON Fun and family-ready in West Abbotsford Janine Mackie

Discover Townhome Living with Exclusive Clubhouse from $269,900 604.607.7801 or polyhomes.com INSIDE THIS ISSUE

CHINESE NEW YEAR: YEAR OF THE SHEEP

FUTURE-PROOF BY REFINANCING NOW

HOW’S YOUR FINANCIAL FITNESS?

PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge

DIRECTOR OF SALES, NATIONAL

Josh Heppner

SENIOR SALES MANAGER, WESTERN CANADA

Edwin Rizarri ART DIRECTOR

Megan Pike

42 48 Mind over Mortgage

30 Happy Chinese New Year!

What you can expect in the Year of the Sheep

by Michelle Hopkins

42 The $1 Million Home Exploring the million dollar market in the Lower Mainland

What the new BoC rates really mean for Canada, and you

by Jorge and Alissa Aragon

50 Inside Mortgages

Future-proof your loans through refinancing

by Kris Grasty

54 Style File

by Stephanie MacDonald

It’s all about luxury!

by Yanic Simard

in the news

60 Money Matters

24 Bank of Canada

homebuyers’ help

21 Buyer Profile

by Susan M Boyce

36 Homebuyer’s Help

Some resolutions to get you into a new home this year

by Kara Kuryllowicz

Maple Ridge/ Pitt Meadows

34 58

Yanic Simard MEDIA CONSULTANTS

Dave Bird 604.319.7102 Brenda Everitt 604.319.7103 SALES COORDINATORS

Justin Salvador PRODUCTION MANAGER

Bala Gnanapandithan PRODUCTION CO-ORDINATOR

Hannah Yarkony

CONTRIBUTING EDITORIAL WRITERS

Susan M Boyce Janine Mackie

Published By

68 On the Horizon

William and Lina are in love with Canoe

Tri-Cities

Lydia McNutt

by Gail Vaz-Oxlade

columns

22 26

CONTRIBUTING EDITORS

How is your financial fitness?

BoC surprises everyone by cutting interest rates

West

Stephanie MacDonald

DESIGN EDITOR

features

district maps 14 Abbotsford 18 Burnaby/New

EDITORS

Checking out what’s hot and new in the Lower Mainland’s residential marketplace and beyond

by Susan M Boyce

72 Listing Directory

Surrey/Langley South Surrey/ White Rock

Complete listings of more than 250 new-home developments throughout Vancouver and the Lower Mainland

The Vancouver New Home Guide is a free publication published 25 times per year. Submit articles or advertising to Suite 102 - 4180 Lougheed Highway, Burnaby BC V5C 6A7 PHONE 604.519.6080 FAX 604.519.6088

newhomeguide.ca

COPYRIGHT 2014 covers the contents of this publication and prevents reproduction in whole or in part: offenders will be prosecuted.

We reserve the right to refuse any advertising, to make changes or edit advertising as necessary.

Care will be taken to ensure copy accuracy but no warranty is implied or given by the publisher. The views and data expressed by columnists do not necessarily represent those of the publication.

//EDITOR’S NOTE

Now’s the time to take advantage

J

SUSAN LEGGE

EDITOR-IN-CHIEF Wall2Wall Media Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

ust when we thought interest rates couldn’t get any lower, the Bank of Canada’s decision to drop its key lending rate to 0.75 per cent came as a surprise, and the big banks are following suit by reducing their mortgage rates.

The old adage, “expect the unexpected” has never been more true.

To prepare for the unexpected, get pre-approved for a mortgage. There are many excellent mortgage products available from banks and brokers that will suit your individual needs, and could well be lower than posted bank rates.

With a pre-approval in hand, you’re protected if rates rise; if they go down (and TD has reportedly predicted that another drop in the Bank rate is coming!), then you’ll likely get an even lower rate. A pre-approval can be a

win-win situation for shoppers, since it means you don’t have to wait to get fi nancing approval on a home when you put in an offer. Th is is an especially good tool to have when markets are hot.

Removing the “conditional on fi nancing” clause could mean your offer is accepted fi rst since you already have your fi nancing in place.

So when will rates rise? It’s anyone’s guess, but most experts agree it’s unlikely there will be any significant upward movement in 2015.

However, we can’t assume that will be the case, and you shouldn’t wait too long to get pre-approved for a mortgage.

It can take a few days. Many lenders offer online pre-approvals to make the process faster and easier.

Take advantage, while you still can!

As rates are dropping, opportunities are arising

W STEPHANIE MACDONALD EDITOR Wall2Wall Media

Stephanie.Macdonald@wall2wallmedia.com Follow me on Twitter at Twitter.com/stephmacW2W

12 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

ith the Bank of Canada rate drop last week, buying a home, even in this market, just got a little bit easier. Experts agree, this may be the lowest rate for some time, so now may be a good moment to consider debt consolidation or mortgage refinancing at a locked-in rate.

To help you make sense of this big news, Jorge and Alisa Aragon have a very handy breakdown of exactly how this rate move will affect our economy and you personally, and another of our talented mortgage experts, Kris Grasty, has some wonderful advice about how

now is a good time to future-proof your finances right now by taking advantage of these low rates to refinance some of your debt.

And this month we celebrate the Chinese New Year’s Year of the Sheep.

Michelle Hopkins takes an in-depth look at some of the wonderful celebrations and cultural activities going on to mark this occasion, as well as some ways you can inject a little Chinese New Year spirit into your home decor.

Happy home hunting! I hope New Home Guide can help you in your successful search.

Exceptionally built for family life.

Play. Love. Grow.

W

elcome to the new collection of quality townhomes at Arcadia in Yorkson; homes that appeal to both the hearts and minds of young families. Enjoy the warmth and comfort of lower energy costs with gas provided

by Fortis B.C. Arcadia offers a home that you can afford to own and love.

Come home to Arcadia.

MOVE IN THIS SPRING

Up to 3 Bedrooms + Rec. Room

$

294900 - $414900

OPEN DAILY from 12 – 5, except Fridays 20852 77A Ave. Langley

arcadialiving.ca 604.513.9090

Sales and Marketing by Fifth Avenue Real Estate Marketing Ltd. www.fifthave.ca

Prices quoted exclude taxes, are subject to availability at time of visit and/or to change without prior notice. E.&O.E.

Added warmth provided by

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 13

GRAND STREET

CEDAR STRE

Wren St

ABBOTSFORD / MISSION / CHILLIWACK MISSION

7TH AVE

Wren Street

Slave Lake Street

Murray Street

CE DA R

VA LL

EY CO NN

GRAND STREET

EC TO R

Kinsmen East Park

Fraser Cresent

ure acl

ABBOTSFORD

HWY 11

Clearbrook Park

Gladwin Rd

LOUGHEED HWY

Maclur e Rd

layburn

Old C

SU M A S

AY W

Old Yale Rd South Fraser Way

ee McK

McMillian Rd

M

A1

Clearbrook Rd

Townline Rd

Mt Lehman Rd

HWY 11

LOUGHEED HWY

r we

Lo

gins

1st Ave 2nd Ave

Ave

4th Ave 5th Ave

Prest Rd

CHILLIWACK

Rd

Prairie Central Rd

B3

d Yale R

B2

W

5469 Chinook Street 604-703-9292

Ch

Luckakuck Way

Knight Rd

Evans Rd

B2. Camden at the Falls

N

kR wac iver i l li

Cottonwood Mall

Rd

B1. River Walk

n g

A1. Brighton

8361 Nixon Rd 604-794-5722

B3. Seasons at Cedar Sky 43685 Chilliwack Mountain Rd 604-991-8250

Higginson Rd

Stevenson Rd

S SUMAS RD VEDDER RD

Watson Rd

Webster Rd

KEITH WILSON RD

B1

Promontory Rd

Thomas Rd

Watson Glen Park

14 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

Prest Rd

Chilliwack Municipal Airport

YA L

ER

DE

rt Rd Airpo Airport Rd

Yo u

CHILLIWACK

Broadway St

Chilliwack Central Rd

Brooks Ave

Huntingdon Rd

ABBOTSFORD

1st Ave

Whatcom Rd

Cheam Ave

Young Rd

McCallum Rd

3rd Ave

Prest Rd

Hod

Charles St

King Rd

Abbotsford International Airport

30989 Westridge Place 604-607-7801

DE

ER

L YA

SUMAS WAY

Clearbrook Rd

Townline Rd

Rd man

Marshall Rd

Marshall Rd

Mt

Leh

tn.

M

Rd

Young Rd

as

le Ya

m

d

Su

O l

Simpson Rd

ABBOTSFORD/MISSION/CHILLIWACK

W O N

NG I LL E S

Discover Townhome Living with Exclusive Clubhouse from $269,900 Discover Brighton, a limited collection of two- and three-bedroom townhomes at Polygon’s masterplanned community of Westerleigh in West Abbotsford.

Thoughtfully designed to complement the way you want to live, modern interiors feature large, open living spaces with gourmet kitchens. Enjoy Club West, the luxurious 8,600 square foot, resort-style clubhouse offering the ideal place to relax and refresh. Brighton

by Polygon – the perfect home for growing families.

WESTRIDGE PL

BLUE RIDGE DR

ENNSBROOK DR

TRAN

S CAN

ADA HW

Y

TOWNLINE RD

MT LEHMAN RD

DOWNES RD

30989 Westridge Place, Abbotsford Open Noon to 5pm daily (except Friday) 604.607.7801 brighton@polyhomes.com

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 15

//COVER STORY

Club West

BRIGHTON is here.

POLYGON DELIVERS FUN FACTOR TO WEST ABBOTSFORD WITH FAMILY-ORIENTED COMMUNITY » by JANINE MACKIE There’s nothing else like it in Abbotsford. Centred around an 8,400-square-foot private clubhouse facing the mountains with a movie screening room, fitness centre, fi reside billiards lounge, kid’s indoor hockey arena and outdoor swimming pool, Westerleigh is Polygon’s landmark master-planned community in West Abbotsford.

Polygon’s thrilled to announce the launch of their newest collection of homes, Brighton -- two- and three-bedroom Tudor-style townhomes priced from just $269,900.

That’s relatively the same price as two-bedroom apartments in Abbotsford, yet at Brighton that affords singles, couples and families the freedom to step up in the market with a 1,200 to 1,400 sq.ft. townhome, with amazing amenities, attached garages and private fenced yard.

CLUB WEST: SWIM, SCREEN MOVIES, HOST A PARTY!

“With many homes move-in ready, Brighton offers a balanced lifestyle with access to Club West,” describes sales manager Judy Rohatyn. “Th is amazing clubhouse is the heartbeat of the community!”

What kid doesn’t dream of growing up with a swimming pool, parks to explore and buddies next door ready for a game of hide-and-seek or a lemonade stand? Inspired by families, 16 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

complemented with full-height imported ceramic tile backsplash, stainless steel appliances and contemporary cabinetry in white or teak with polished chrome pulls. And, living extends outdoors onto an entertainment-size patio or deck.

From convenient powder rooms to spa-like ensuites, bathrooms at Brighton are sophisticated examples of where great design meets every-day convenience: walk-in showers with glass doors, double his-and-her porcelain sinks, dual-flush toilets by American Standard and full length vanity mirrors with cosmetic light bars.

AFFORDABLITY AND QUALITY OF LIFE DR AW FAMILIES TO ABBOTSFORD

All the amenities and attractions of a modern urban core, right in the middle of one of the most scenic and bountiful agricultural areas in Canada – Brighton neighbours some of the most beautiful parks and green spaces in Western Canada. Pack a picnic and head to Mill Lake or hop on your bicycle to explore the meandering Discovery Trail which winds from park to park along creeks, lakes and fairgrounds from the west side of the city to the mountains in the east.

There’s the convenience of nearby Abbotsford International Airport and the West Coast Express running between Vancouver and the Mission City Station, as well as a great mix of local shops and services at HighStreet, just minutes from Brighton, featuring an outdoor market-style shopping experience with favourite destinations like H&M, Urban Barn, Marshall’s and Milestones. this master-planned community has received an exuberant response from homebuyers throughout the Fraser Valley including Surrey and Langley, and previous phases have sold out quickly.

Storybook details and countryside charm add to Brighton’s appeal. Designed by award-winning Formwerks Architectural Inc., Brighton delights buyers with its signature Tudor-style elements including steeply pitched roof lines, dormer windows, stately brick cladding and even charming flower boxes.

Polygon is among the most well-established and highly respected home builders in BC. Discover the difference at Brighton. Sales centre and display homes are located at 30989 Westridge Place in Abbotsford. Open daily (except Fridays) noon to 5 p.m. Learn more at polyhomes.com or call 604-607-7801.

THREE FURNISHED SHOW HOMES NOW OPEN

Construction is well underway at Brighton, and three show homes are open for buyers to experience the flow and functionality of each floor plan. Polygon’s legendary interior styling greets the beholder as they step inside the front entrance. Airy nine-foot ceilings are found throughout the main level, wide plank laminate wood flooring in gray oak or dark walnut set the scene and a true family kitchen awaits a good party.

The polished quartz countertops are 17

BURNABY / NEW WESTMINSTER BURNABY

Barnet Marine Park

U

G ag

Royal Oak Ave

Willingdon Ave

BOUNDARY RD

Sprott St

Can ada

Deer Lake

St

Gilley Ave

Royal Oak Ave

Nelson Ave

Patterson Ave

eD rin

A RD SON EW WA ST Y

r

MARIN E WAY

Duncan St

B1. Dominion

68 Sixth Street 604-525-8980

Boundary Rd

NEW WESTMINSTER

B2. Canoe

260 Ewen Ave aragon.ca 604-544-2258

A1

y Wa nt rwe De

St yd Ewen Bo e Av

Cla rke Rd

e Av h 8t

Braid St e Av

DE RI CB M

th 10

h 8t

Southridge Dr Ma

e Av

e Av

Queen’s Park

St

Mari ne D r

h 6t

A3

A6

e Av

h 6t

MARINE W AY

e Av

h 8t r sD th iffi Gr

SE Marine Dr

Imperial St

th 16

th 10

St

Imperial St

ay W

t lS ria pe Im

A4. Thurston Street

A5. Lift nd rla be m Cu

KIN GS WA Y

7458 Britton St 604-298-1313

3748 Thurston St 604-563-7001

Deer Lake Park

Metrotown

1710 Gilmore Ave 604-291-9130

A3. Britton

Burnaby Lake Regional Park

da na Ca

Av e

Central Park

y Wa di lar

Lougheed Mall Austin Ave

Oakland t S

49 t h

A2. Aviara

North Rd

Sperling Ave

Cliff Ave

Holdom Ave

Squint Lake Park

ay W

A4

A5

Un ivers ity Dr E ag lar di Wa y

Grey sto ne D r

Burnaby Mountain Golf Course Broadway

BCIT

809 S Dyke Road (at Wood Street) Queensbourough 604-533-3575

r sit y Dr nive W

SFU

Brentwood Mall

A1. Rivers Walk

BARNET HWY

G

Willingdon Ave

HASTINGS ST

A2

Burnaby Mountain Park

INL ET DR

Confederation Park

B1e v lA ya o R

9350 University High St 604-320-3386

A6. Highland Park 6088 Beresford St. 604-671-5565

BURNABY/NEW WESTMINSTER

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 19

//BUYER PROFILE

William, Lina and Alex in Paris

WILLIAM AND LINA AT CANOE

At Home in Port Royal » by SUSAN M BOYCE Sometimes a few minutes change everything. William and Lina understand the concept well. Within minutes of the release of Canoe’s disclosure statement, the couple had become the very first homeowners in this newest phase at the Port Royal master planned community in Queensborough.

SPACE FOR LIVING LIFE

The couple had originally been considering a home in Burnaby or Vancouver. “But when we saw the prices for the size…” William shrugs. “All we would have been able to afford was a small two-bedroom apartment with low ceilings and not many windows. We didn’t like that idea at all.”

New Westminster was a totally different experience. “Here we’ve got a full, single-family house including a yard and a front porch,” William says. “Alex, our five year old son, has his own room — which he’s really excited about — and we still have two more bedrooms to spare.”

He was also impressed by the construction quality and intelligent design. “The way Aragon used the interior space is smart — no lost square footage in long corridors. It’s a great value.”

CLOSE TO WHAT COUNTS

As well, the couple appreciate Canoe’s proximity to the amenities they need and use. “I was surprised how easy and fast it is to get to downtown Vancouver for work,” William says.

There’s so much potential in the neighbourhood — it’s going to be good for all of us. — William

“There’s a bus every 12 minutes or so to downtown, getting to Burnaby or Surrey is even easier, and even before we moved here, we were always shopping at the outlet stores just down the road.”

As a bonus, Alex’s new school is nearby, and after only two weeks William says he’s already enjoying himself and making friends.

PUTTING DOWN ROOTS

After spending almost a year living abroad in London, England, the family agree they’re all looking forward to settling down in their new home. “We took possession just before Christmas, but moving over the holidays is no fun so we rented a furnished apartment in downtown Vancouver for a month,” William says.

Moving day was very early in the New Year, although the memory of the actual move is already fading — thankfully. “I was completely exhausted,” he says with a gentle smile of acceptance. “But we did manage to celebrate and we’ve bought some new furniture. After all, we’re probably going to be here for a long time. There’s so much potential in the neighbourhood — it’s going to be good for all of us.”

The Canoe presentation centre is located at 260 Ewen Avenue in New Westminster.

For more information visit aragon.ca/ canoe or call 604.544.2258.

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 21

Park w

Blvd

ay

vd

Bl

eau Plat

COQUITLAM / PORT COQUITLAM / PORT MOODY

F 3498 Princeton Ave. 778-285-6299

A2. Secret Ridge

#107 - 3458 Burke Village www.secretridge.ca

sy St Y

Shau g h ne s

B1

LO UG HE ED

Colony Farm Regional Park

RY MA

A3. Black&Whites

Foster Ave/Burquitlam blackandwhites.ca

A4. Nest

Dominion Ave

Dewdney Trunk Rd

COQUITLAM A1. Burke Mountain Heightsr a s e r R i v e r

Kin gs wa yA ve

638 Regan Avenue 604-492-4123

SS PA BY L L HI

PORT COQUITLAM B1. Fremont Blue

2332 Ranger Lane 604-552-0319

Ford Rd

Dewdney Tru

HW Y

Harris Rd

LOU GHE ED H WY

Daw es H ill Rd

HW Y

Meado Garde Golf Cou

Hammond Rd

Pitt Meadows Airport

Harris Rd

A ve ette Brun

Mundy St

Austin Ave

Mariner Way

Mundy Park

LOUG HEED HW

Linton St

Gatensbury St

Blue Mountain St

Cla rk eR d North Rd

Austin Ave

A3

Como Lake Park

LO UG HE ED

S Bonson Rd

Prairie Ave

mal Dr

Smith Ave

Dr

Cedar Dr

Y

Lincoln Ave Coast Meridian Rd

HW

A4

A2

ia or ct Vi

Victoria Dr

The r

Como Lake Ave

A1

Ottawa St

ET

Dav id A ve

Johnson St

BA R N

David Ave He rita ge Ioc Mo oR Town un d tai Centre Lan n Shoreline Park Bl sdo vd Park wn eD Pioneer r Memorial Rocky Point Inlet Park Park Park Coquitlam BARNET HWY Centre ST JOHNS ST Dewdney Trunk Rd

Coast Meridian Rd

Pin etr ee Wa y

Ridge Park

Golden Bridg

OWN FROM $700/mo* * Please ask us for details. E.&O.E.

mosaichomes.com

COQUITLAM/PORT COQUITLAM/PORT MOODY

NOW SELLING The Black+Whites on Foster Avenue are classic, light-filled three-storey townhomes in West Coquitlam. You get your own front door, your own yard, attached parking and renowned Intracorp scrutiny of every last detail – at a price that you can afford. And homes are ready for you to move in now. Don’t you wish all decisions in life could be so black+white?

Visit our two fully furnished display homes today.

MOVE IN READY 3 + 4 bedroom townhomes

PRICED FROM 515,000 $

NORTH ROAD

1230 - 1610 square feet

FOSTER AVENUE

SALES CENTRE: 548 Foster Avenue Coquitlam Open Noon - 5pm except Fridays blackandwhites.ca

NORTH

604.998.8998

Prices and sizes are approximate. E&OE. Sales and Marketing by Intracorp Realty Ltd. Intracorp Foster Avenue Limited Partnership

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 23

//IN THE NEWS

Bank of Canada

LOWERS OVERNIGHT RATE TARGET TO 3/4 PER CENT The Bank of Canada has announced that it is lowering its target for the overnight rate by one-quarter of one percentage point to 3/4 per cent.

The Bank Rate is correspondingly one per cent and the deposit rate is 1/2 per cent. This decision is in response to the recent sharp drop in oil prices, which will be negative for growth and underlying inflation in Canada.

Inflation has remained close to the two-per-cent target in recent quarters. Core inflation has been temporarily boosted by sector-specific factors and the pass-through effects of the lower Canadian dollar, which are offsetting dis-inflationary pressures from slack in the economy and competition in the retail sector. Total CPI inflation is starting to reflect the fall in oil prices.

Oil’s sharp decline in the past six months is expected to boost global economic growth, especially in the United States, while widening the divergences among economies. Persistent headwinds from de-leveraging and lingering uncertainty will influence the extent to which some oil-importing countries benefit from lower prices. The Bank’s base-case projection assumes oil prices around US$60 per barrel. Prices are currently lower but the belief is that prices over the medium term are likely to be higher.

The oil price shock is occurring against a backdrop of solid and more broadly-based growth in Canada in recent quarters. Outside the energy sector, of note are increased foreign demand, stronger exports, improved business confidence and investment, and employment growth. However, there is considerable uncertainty about the speed with which this sequence will evolve and how it will be affected by the drop in oil prices. Business investment in the energy-producing sector will decline. Canada’s weaker terms of trade will have an adverse impact on incomes and wealth, reducing domestic demand growth.

Although there is considerable uncertainty around the outlook, the Bank is projecting real GDP growth will slow to about 1 1/2 per cent and the output gap to widen in the first half of 2015. The negative impact of lower oil prices will gradually be mitigated by a stronger U.S. economy, a weaker Canadian dollar, and the Bank’s monetary policy response. The Bank expects Canada’s economy to gradually strengthen in the second half of this year, with real GDP growth averaging 2.1 per cent in 2015 and 2.4 per cent in 2016. The economy is expected to return to full capacity around the end of 2016, a little later than was expected in October.

Weaker oil prices will pull down the inflation profile. Total CPI inflation is projected to be temporarily below the inflation-control range during 2015, moving back up to target the following year. Underlying inflation will ease in 24 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

The oil price shock is occurring against a backdrop of solid and more broadly-based growth in Canada in recent quarters. Outside the energy sector, of note are increased foreign demand, stronger exports, improved business confidence and investment, and employment growth. the near term but then return gradually to two per cent over the projection horizon.

The oil price shock increases both downside risks to the inflation profile and financial stability risks. The Bank’s policy action is intended to provide insurance against these risks, support the sectoral adjustment needed to strengthen investment and growth, and bring the Canadian economy back to full capacity and inflation to target within the projection horizon.

The next scheduled date for announcing the overnight rate target is 4 March 2015.

COQUITLAM/PORT COQUITLAM/PORT MOODY

! y a d o T n I e v Mo

Enjoy family gatherings in your large dining area

Cook up a feast in your new gourmet kitchen

Spa-like ensuite to unwind after the day

Convenient powder room on main floor

His & her closet space

A roomy entry for you and your guests

5 minute walk to shopping, parks and the Evergreen Skytrain Station. Nest is a true collection of townhomes in the heart of a quiet, intimate residential enclave in Burquitlam. Make Nest your home.

Live at nest

VISIT US: 12-4pm Saturday and Sunday; 3-5pm Monday - Thursday, closed Friday.

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 25

Cedar Dr

PITT MEADOWS / MAPLE RIDGE

Dominion Ave

236th St

232rd St

3

r Rd Rive

116th

Derby Reach Regional Park

240th St

207th St

Ave

Way aka Kan 7 2

4

110th Ave 108th Ave r Maclure D

240th St

ED GHE LOU

Golden Ears Bridge

Y HW

104th Ave 102th Ave

Jac kso n

Harris Rd

Pitt Meadows Airport

Dewdney Trunk Rd 248th St

Dewdney Trunk Rd

132 Ave

Abern ethy W ay

124th Ave 224th St

216th St

203rd St

123rd Ave

5

Hammond Rd S Bonson Rd

Ford Rd

Meadow Gardens Golf Course

1

227th St 228th St

Dewdney Trunk Rd

HW Y

Harris Rd

LO UG HE ED

210th St

Dewdney Trunk Rd

224th St

136 Ave

6

MAPLE RIDGE 1.

Hampstead at Silver Ridge

13555 230A Street 604-466-9278

2.

Wynnridge

11005 Buckerfield Drive 604-466-6388

26 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

3.

Village Green

5.

Myron's Muse

4.

Montgomery Acres

6.

Jackson Park

7.

Cliffstone

12161 237th Street 604-476-2292 24405 112 Ave 604-477-2959

23651 132nd Ave 604-380-1801 24406 102 Ave. 604-805-4669 23915 – 111A Avenue 604-380-0045

PITT MEADOWS/MAPLE RIDGE

WynnRidge… set yourself apart.

Unsurpassed design, finishing and location

Come visit our new Showhomes today

This vibrant neighbourhood of craftsman inspired homes is located in a distinct country setting in one of Maple Ridge’s most sought-after areas. Adjacent to Kanaka Creek Regional Park’s walking trails and beautiful mountain vistas.

11007 Harris Dr. Maple Ridge 604.466.6388

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DOWNTOWN MAPLE RIDGE A BOUTIQUE COLLECTION OF 23 CONDOS UP TO 1,540 SQ FT

Open daily noon - 5pm

DEWDNEY TRUNK RD

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www.wynnridge.ca

Presentation Centre Open daily noon - 5pm 101-11882 226 St., Maple Ridge 604.477.1500

www.signaturefalconcentre.com

FRASER RIVER VIEWS CONDOS UP TO 1,530 SQ FT IN A VIBRANT WATERSIDE COMMUNITY

For more than thirty years Falcon Homes has been designing and building exceptional residential and commercial projects in the Lower Mainland. We pride ourselves on our commitment to quality construction and our dedication to building communities.

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Presentation Centre Open daily noon - 5pm 22327 River Road, Maple Ridge 604.467.0692

www.reflectionsliving.com

604.941.2092

falconhomes.com

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 27

JP_NHBG_Ad_HalfPage_1501_PRINT.pdf

PITT MEADOWS/MAPLE RIDGE

1

15-01-30

9:48 AM

Over 25% Sold

Start Living C

Discover this family-oriented community

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of 3 bedroom, 2.5 bath single family homes,

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close to parks, trails, schools and shopping.

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Starting from only

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419,900

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JacksonPark.ca | 604.805.4669 24406 - 102nd Avenue, Maple Ridge Prices subject to change without notice. GST not included. E.&O.E.

*

28 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

// CHINESE NEW YEAR

Feb. 19th rings in the Chinese Year of the Sheep THE SHEEP IS ALL ABOUT HOME, FAMILY AND SERENITY » by MICHELLE HOPKINS

On Feb. 19th we enter into the Chinese Year of the Wooden Sheep. The eighth sign in the zodiac is said to be congenial, a lover of peace, serenity and beautiful surroundings. The Sheep also represents love — love for family, loved ones and home.

So what does the Sheep mean for your home? Fresh design ideas and surprising combinations are ideal for attracting good luck in 2015. Wood and natural elements are in, along with nature’s rich bounty of earthy hues, says Sherman Tai, astrologer, author and Chinese fortune teller.

Bring a tranquil feel to your home with wooden furniture and art, interesting architectural elements, artwork and bold earth tones that the Sheep is attracted to - all shades of green, burgundy and purple. Add a pop of red into your home - Chinese New Year celebrations are bursting with bright colours, and red is symbolic of fortune, joy and life; therefore considered the luckiest hue of all.

MOE’s Juno Lacquer Bamboo Gourd Vase Tall Mandarin $59

The eighth sign in the zodiac is said to be congenial, a lover of peace, serenity and beautiful surroundings. The Sheep also represents love — love for family, loved ones and home.

Bring a tranquil feel to your home with wooden furniture and art, interesting architectural elements, artwork and bold earth tones

Décor Drift Wood $21.95 Moe’s

Dubbed the Lunar New Year or Spring Festival, the celebrations last for 15 days. It’s not surprising that in Richmond — home to Canada’s largest per capita percentage of Chinese descendants — it hosts one of the continent’s most elaborate and authentic Chinese New Year celebrations.

SEE:

Join the crowds of thousands who will flock to Richmond’s buzzing city centre, the Golden Village to welcome the Year of the Sheep with firecrackers, live music, costumed dances, delicious foods, and flower and gift fairs. www.tourismrichmond.com/things-to-do/golden-village DO:

Durante Dining Chair Red - Moe’s

“The Year of the Sheep is about open, uncluttered spaces — less furniture in the rooms,” says Tai, who is considered an expert in Chinese geomancy – the study of the interrelations between the sun, moon and earth.

Choosing the right feng shui home: Every one of us yearns to own a home – it provides us a sense of security and belonging. Hence, it is very important to pick the best one, says Tai. The feng shui of a house is determined by its geographical location, exterior and interior structure, the Five Elements, yin and yang forces and Astronomy.

The juxtaposition of noises, smells and sights is intoxicating at the International Buddhist Temple. Modeled after the Forbidden City in Beijing, the Temple welcomes a quarter of a million visitors each year. Chinese New Year is one of the temple’s most exciting times of the year as thousands flock here to light bundles of incense, pay their respects and make offerings. The temple also features special Chinese New Year festivities from 10 a.m. to 5 p.m. on Feb. 14 to 19. www.buddhisttemple.ca

Dover Dining Table $575 Moe’s

CALENDAR OF EVENTS

» ABERDEEN CENTRE Chinese New Year celebrations at Aberdeen Centre – Feb. 13 to 19 Aberdeen Centre undergoes a dramatic transformation with hundreds of red lanterns strung from balconies and colourful larger-thanlife sized displays surrounding the mall’s indoor musical water fountain.

Events go on throughout the week.

Chinese New Year’s Eve countdown will be held on Wednesday, Feb. 18th from 8:30 pm to 12:30 a.m. in the main atrium. Entertainment includes performances by: B.C. Chinese Music Association, Vancouver Academy of Dance, Colors of Dance Academy and Vancouver Cantonese Opera. www.aberdeencentre.com

» LANSDOWNE CENTRE Lansdowne Centre’s opening ceremony on Feb. 21st starts at 12:30 p.m., with a traditional lion dance, a jaw-dropping martial arts demonstration, singing, dancing and cultural entertainment until 5 p.m.

During this popular all-ages event, which draws an annual crowd of about 2,000 people, the Money God will be handing out lucky red envelopes and wishing all visitors good fortune. Additional performers include Chinese opera singers, youth ballroom dancers, a hip-hop dance crew, Japanese Okinawa style drummers and dancers, and a magician. www.lansdowne-centre.com

» RICHMOND CENTRE Watch a traditional lion dance on Sunday, February 22 starting at 2 p.m. www.richmondcentre.com

» PARKER PLACE MALL On Sunday, Feb. 22nd a traditional dragon dance will captivate the

crowd and on Monday, Feb. 23 a lion dance will bring good luck and good fortune to all in attendance. Also on Sunday, Feb. 22, Parker Place will host a variety show with singing, dancing and other special talents showcased.

Chinese New Year celebrations run from 11 a.m. to 3 p.m. daily. www.parkerplace.com VANCOUVER:

» COME SOAR OVER CHINA See both flight of the dragon and FlyOver Canada back-to-back Now through to March 05, 2015 Daily 10 a.m. to 9 p.m.

Ride entrance times every 20 minutes FlyOver Canada is proud to bring back the popular flight ride experience “Flight of the Dragon” for a second season! www.flyovercanada.com.

“The best home is one whose feng shui complements the destiny pillars of the occupants,” says Tai. “With good feng shui, wealth and prosperity will keep rolling in.”

He went on to explain that in feng shui, the environment is divided into “highs”, which he calls hills, and “lows” which refers to as water. Water represents wealth, while hills oversee the human factors.

“In the book Ba Men Zhai Xiang, which is a study of feng shui of buildings, “good” water flows in a horizontal steady stream, whereas “bad” water comes in torrents with no fixed direction,” explains Tai. “East is Wood, its shape rectangle and it represents spring.”

When it comes to cleaning your home, Chinese superstitions suggests you don’t sweep or clean the home during the 15 days of celebrations or the good luck will be swept right out the front door.

However, in order to have good luck in your home, it’s strongly suggested you bring in freshly cut flowers – not a bad idea anytime of the year.

» 42ND ANNUAL VANCOUVER CHINESE NEW YEAR PARADE Sunday, February 22, 2015 at 11 a.m. in historic Chinatown More than 50,000 people line Chinatown’s streets to watch traditional lion dance teams as well as marching bands and dance troupes.

Pounding drums and firecrackers help ignite the excitement. www.cbavancouver.ca

» CELEBRATION AT INTERNATIONAL VILLAGE Feb. 19th to 22nd A massive, free Chinese New Year event in Vancouver’s Chinatown featuring firecrackers, two levels of two levels of exhibition booths and live stage performances throughout the weekend. www.internationalvillagemall.ca

MOE’s Sturdy Bar Stool Red $185

PITT MEADOWS/MAPLE RIDGE

Starting From only $255,900

Open

Visit our Sales Center now for our Fine selection of Spacious Community Homes!

Wed to Sun 1-4:30 PM

amenities, parks, trails, greenbelts - it’s all here!

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Cedar Park 237a St

community designed for open space and functionality. Nestled in the natural beauty of Silver Valley yet only minutes from local

232 St

An enclave of spacious townhomes in a strategically planned

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COMPETITIVELY PRICED 2 & 3 BEDROOM COMMUNITY TOWNHOMES

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Visit our Sales Center now for our Fine selection of Spacious Community Homes!

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www.MyronsMuse.com This is not an offering for sale. Prices subject to change and exclude taxes. E. & O.E.

604-380-1801

Sales & Marketing by Coldwell Banker Westburn Realty & Sutton Group West Coast Realty.

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 33

SURREY / LANGLEY

116th Ave

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A1 Tynehead Regional Park

Golden Ears Bridge

96th Ave

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A17 B9

72nd Ave

A13 A3 A6 A18 A10 A19 A14 60th Ave A7 A16 A4

A5. Clayton Heights 7310 - 191B Street 604-723-4497

A6. Madison

14356 63A Ave. 604-543-6262

Gra de Rd

A13. Eton

A19. One 44

A8. Uptown Clayton Village

A14. Highlands at Sullivan Ridge

A20. Clayton Market

A9. The Rockwoods

A15. One 92

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A10. Fusion

A16. Panorama Woods

A7. Brixton A1. Dawson + Sawyer 14433 60 Ave Guildford The Great

5957 152nd 604-372-2275

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18012 68 Ave 604.372.0388

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188th St

168th St

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144th St

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80th Ave

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Bear Creek Park

15340 Guildford Drive 778-293-2222

Gl ov er Rd

88th Ave

88th Ave

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216th St

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240th St

Green Timbers Urban Forest Park

96th Ave

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19525 73rd Ave. 778-574-0146

16241 - 84th Ave 604-503-1188 13886 62Ave 778-578-9779

A11. Redwood 6929 142 St 604-503-6929

A12. The Grove 68th Ave. & 194 St. 604-533-6968

14888 - 62nd Ave. 604-953-0833

6085 - 146 St. 778-565-7768

6685 192nd St. 604-576-1772

6123 138th Street 778-593-9954

A17. Silverwood

84th Ave. & 164th St. 604-953-0288

A18. Blackberry Walk 14271 60th Ave. 604-501-6119

COMPELLING CREATIVE FOR TODAY’S REAL ESTATE

34 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

5888 144 Street 604-503-6402 64th & Fraser Hwy. 604-574-5735

B1. Serenity

21017 76th Avenue 604.371.1538

B2. Exchange

7822 209th St. 604-535-8587

B3. Marquee

19752 55A Ave. 604-427-3550

B4. York

B10 FRA SER HW Y 48th Ave

B5.

Keaton 40th Ave

7686 209 Street 604-882-3733

B6. Summerhill

19938 70 Ave 604-418-7072

B7. Arcadia

208 St & 77A Ave 604-513-9090

B8. Evergreen at Yorkson

84 Ave & 206 St

B9. Parkside

20597 84th Ave 604-648-9428

B10. Murrayville House

5020-221A Street www.murrayvillehouse.com

84th Ave & 207A St 604-533-1415

• STRATEGY

• iNTERACTivE

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• SiGNAGE

// HOMEBUYERS’ HELP

Real Estate Resolutions for 2015 » by KARA KURYLLOWICZ

Have you made your New Year’s Resolutions? If you’re planning to buy or sell a home in 2015, here are a few key resolutions that will help with a smooth transaction.

To preempt the likelihood of unpleasant surprises, astute homebuyers should begin the financial education, preparation and assessment process the moment they start contemplating a purchase.

TIPS FOR BU YERS

1. Have Equifax, TransUnion or another credit reporting agency pull your credit report. If necessary, you can commit to improving a poor credit rating by paying off creditors and loans before applying for your mortgage.

36 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

2. Crunch the numbers! Can you afford it?

Is this the right decision for you? Canada Mortgage and Housing Corp. (CMHC) offers tools at cmhc.ca to help you calculate your net worth, current household budget, monthly debt payments, and how much you can afford to spend on a home purchase.

Plan on a down payment of at least five per cent. However, your affordability assessment may indicate you need a larger down payment or need to reduce the price range you were considering for your purchase.

4. Get pre-approved for a mortgage to determine the amount you can afford based on the lender’s review of your finances. Th is will also provide written confi rmation of the interest rate that will hold for around 90 days.

3. Get your mortgage and financing documentation in order. At the very least, lenders and mortgage brokers will require documentation that proves your personal information, your net worth, income,

5. Search ads for homes in your desired location and price range with your preferred features. (You’ve already got a copy of New Condo Guide, so consider yourself a step ahead!) Visit presentation centres, and

employment, the amount/source of your down payment, and your ability to pay the closing costs. Closing costs generally range from 1.5 to four per cent of the purchase price and your lender may provide a loan to cover those.

explore new communities in person to get a feel for what living there will be like.

6. Find a reputable home builder. Ask friends and family for referrals, visit presentation centres, do some research online, and check with your local home builders’ association for a list of builders and reviews.

3. Crunch the numbers and look ahead.

Will your home’s proceeds cover your next home purchase? Do you plan to invest part of the proceeds?

1. Review your mortgage agreement with your financial institution and/or a mortgage professional. If you’re in the first year of a five-year term, the payout penalty might be so high that you decide to wait until at least the mid-point, if not the end of that term, to make your move.

4. Purge and de-clutter six or more months in advance, because when staging your home for the sale, over-stuffed storage areas suggest a lack of space rather than reflecting on the homeowners’ organizational skills and hoarding tendencies. In addition, if you’re moving from a larger house into a smaller condo, you’ll likely need to edit down your movables anyway, so consider this resolution two-for-one.

The more you give away, sell and donate to charity, the less you’ll have to pack, ship and unpack. Recycle or re-purpose anything that hasn’t been used in the last 12 months. If necessary, hire an organizational expert to keep you focused and ruthless.

2. Assess the selling costs, which may include repairs, home appraisals and inspections, legal and Realtors’ fees so that you can budget and save for them.

5. Identify items that are worn, outdated or don’t work, then repair or replace them.

Ask friends or family to help you identify what needs to be done, but be aware that

As if buying a new home wasn’t complicated enough, if you already own a home, you’ll need to add a sale to your to-do list.

TIPS FOR SELLERS

they may be uncomfortable with the level of honesty required. In this case, a professional home stager, organizer or even your real estate agent would be better suited to the task. Some common fixes include replacing stained switch plates, repairing old caulking and dingy grout in the bathrooms, and applying a fresh coat of paint. If things such as leaky roofs and basements aren’t repaired, buyers will expect a reduction in price.

6. Assess comparable homes in your neighbourhood no more than three months prior to putting your home on the market because the conditions can change relatively quickly.

7. Source and interview selling agents at any time, but ask them to evaluate your home no more than six to eight weeks before you plan to put it on the market.

Making and sticking to these real estate resolutions can reduce the stress associated with buying and selling a home, and expedite matters once you officially launch the process.

To preempt the likelihood of unpleasant surprises, astute homebuyers should begin the financial education, preparation and assessment process the moment they start contemplating a purchase.

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 37

SURREY/LANGLEY

Close-Out Promotion: FINAL HOME!

NOW SELLING

BY APPOINTMENT 778.593.9954 panoramawoods.ca MOVE IN TODAY!

321,900

$

Open By Appointment Sales & Marketing by Coldwell Banker Tri-Tel Realty. This is not an offering for sale.

Price and promotion subject to change and excludes taxes. E. & O.E.

Experience the High-End Finishing at Summerhill! ›› ›› ›› ››

2 storey, side by side double garage homes Solid maple wood, soft close cabinets Quartz counters, Crown Moulding & 9’ ceilings Only 11 homes in a quaint community of Willoughby Langley ›› Located close to all amenities, recreation, shopping & transit ›› Homes start from only $374,900 plus gst

HURRY IN! WE’VE ALREADY SOLD 40%

A BRAND-NEW HOME FOR A BRAND-NEW YEAR! DISPLAY HOME OPEN: Wed & Thurs, Sat & Sun 1-5pm 19938 – 70th Avenue, Langley, BC ENTER THROUGH SUMMERWOOD

Phone: 604-418-7072

www.SummerhillLangley.ca 38 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

Marketed by: Natalie Evaniew Licensed Realtor

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PHASE 2 RELEASE: 26 ADDITIONAL HOMES! Evergreen is our newest community of single-family homes in the flourishing Yorkson area of Langley. Located next to dedicated green space and across from Yorkson Community Park, these luxurious homes are spacious, well built, and beautifully laid out. These 2-storey homes with fully-furnished basements feature 3000-3600 sq.ft of family-focussed living space – situated on generous sized lots that offer you and your loved ones the space you need and expect.

Starting from $

665000 including GST

SELLING! 2NOW FULLY FURNISHED DISPLAY HOMES

Open daily 1–5pm (except Fridays) 604 648 8956 84a Avenue & 206th Street, Langley, BC

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40 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

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Hwy 1 to 200th St, Right on 68th Ave

70 AVE KATZIE ELEMENTARY PARK & POND

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192 ST

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FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 41

// INDUSTRY INSIGHTS

Tate Gardens

Million Dollar City WHAT CAN YOU GET IN METRO VANCOUVER FOR A COOL MILLION? » by STEPHANIE MACDONALD 42 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

“One million dollars!” It’s the kind of money Dr. Evil, recently awoken from hibernation since 1968, naively demands in return for not blowing up the world; but the question is: what does it get you in brand-new home in Metro Vancouver these days? Well, it depends on what you’re looking for (and where you’re looking).

With single-family home prices skyrocketing, multi-family options are proliferating as the metropolitan area densifies to house more inhabitants. Whether you’d like a posh downtown pad in a landmark building, a penthouse in Burnaby or Coquitlam, or a 5,000 square foot seven-bedroom mansion in Cloverdale, a brand-new million dollar home in our region comes in many guises.

Here’s just a small sampling of what you can get for around the same price as not getting blown up by Dr. Evil, or a dilapidated shack on a busy street in East Vancouver.

River Green

Station Square

AREA: DOWNTOWN VANCOUVER

Price: $999,900 Property: 884 square foot, two-bedroom, two bath condo at Telus Gardens Address: 777 Richards Street, Vancouver Developer: Westbank Luxury Perks: Downtown Vancouver location, iconic design, outdoor pool, ocean views, concierge, dog park.

Price: $890,000 Property: 1,210 square foot, two-bedroom, two bath 5th level townhome at Tate Downtown Address: 1265 Howe Street, Vancouver Developer: Bonds Group of Companies Luxury Perks: Downtown Vancouver location, rooftop terrace garden, concierge, private library and theatre for residents.

The Shore Aperture

AREA: VANCOUVER WEST SIDE

Price: $1,005,000 Property: 1,240 square foot, two-bedroom, two bath condo at Aperture Address: 795 West 41st Avenue, Vancouver Developer: Buffalo Investment Canada Luxury Perks: Boutique building in a West Side location, mountain views, iconic design, terraced waterfalls and pools, rooftop gardens and a large stunning wrap-around deck.

AREA: VANCOUVER EAST SIDE

Price: Not priced yet, but over $1,000,000 Property: Penthouse at The Independent Address: Kingsway and Broadway, Vancouver Developer: RIZE Alliance Luxury Perks: Being finalized at the moment, but include large patios with expansive views, two levels and large community greenspace in one of Vancouver’s most exciting neighbourhoods.

Kensington Gardens Price: From $610,000 Property: 992 square foot three-bedroom plus den, 2 bath condo at Kensington Gardens Address: 2220 Kingsway, East Vancouver Developer: Westbank Luxury Perks: Lounge, hot tub, restaurant downstairs, heated outdoor pool, sauna, BBQ area, exercise room, rooftop park, theatre room, children’s play area.

AREA: NORTH VANCOUVER

Price: $800,000 Property: 1,378 square foot three-bedroom, 2.5 bath plus den at The Shore Address: Fell Avenue at 3rd Street West in North Vancouver Developer: Adera Luxury Perks: Located creekside, outdoor kitchens, plus the famous Cressey Kitchen™ inside, rooftop lanais and access to the Trans-Canada trail from your back door.

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 43

AREA: BURNABY

Price: $983,000 Property: 1,298 square foot, three-bedroom, two bath condo at Modello Address: Willingdon Avenue and Beresford Street, Burnaby Developer: Boffo Developments Luxury Perks: 36th floor, southwest corner views in a high-end Boutique development, with fitness centre, spa, concierge, luxury finishings, lounge with outdoor fire pit and proximity to the future Beresford Art Walk.

Modello

Price: $849,000 Property: 1,099 square foot, two-bedroom, 2.5 bath sub-penthouse at Station Square Address: 4670 Assembly Way, Burnaby Developer: Anthem Luxury Perks: Metrotown location, expansive views, concierge, one-acre rooftop amenity space.

AREA: RICHMOND

Price: $915,000 Property: 1,420 square foot, two-bedroom plus den, two bath condo at River Green Address: 6111 River Road, Richmond Developer: ASPAC Luxury Perks: Expansive water views, large balcony, right next to the Olympic Oval, indoor pool, theatre room, children’s play area, fitness centre with steam room and sauna.

Jacobsen

AREA: SURREY

Price: $750,000 Property: 1,404 square foot, three-bedroom, two bath high-level condo at 3 Civic Plaza Address: 10347 City Parkway, Surrey Developer: Century Group Luxury Perks: Four-star hotel amenities, tallest building in Surrey, access to hotel fitness centre and lap pool.

AREA: SOUTH SURREY

Price: $600,000+ Property: 2,216 square foot, three-bedroom, 2.5 bath townhome at Jacobsen Address: 158 St. & 27 Ave., Surrey Developer: Ikonic Homes Luxury Perks: South Surrey location, West Coast Modern design, large units with outdoor space or large patios.

3 Civic Plaza AREA: COQUITLAM

Price: $672,000 Property: 2,700 square foot, five-bedroom, 4 bath townhome at Secret Ridge Address: Burke Mountain Developer: Mission Group Homes Luxury Perks: Two-car attached garage, two master suites with ensuite, grand vaulted ceilings in the living room and granite fireplace.

*Prices and unit sizes are approximate, and homes were available for sale as of January 29, 2015.

Images represent the development, not necessarily the specific units mentioned.

44 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

Secret Ridge

SURREY/LANGLEY

80 AVE 200 ST

192 ST

176 ST

19525 73rd avenue

73 AVE 195 ST

72 AVE

Presentation Center Open Daily 12-5PM (Except Fridays)

WEST REAL ESTATE SERVICES This is not an offering for sale. Any such offering must be made with a disclosure statement. Prices are subject to change. E.&.O.E.

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 45

Y, AIN R R EM HU 5 R 1 Y L ON

!

FEELING CONFINED IN YOUR CURRENT HOME? WHY NOT SPREAD OUT A LITTLE? Our spacious townhomes range from 1463 – 1706 sq.ft. and include amazing finishings and features that will make you feel like you are in a single-family home.

Don’t miss out on this scarce offering. Priced from the mid $300’s, homes are selling fast.

MOVE-IN TODAY!

liveatcanvas.com PRESENTATION CENTRE & 3 DISPLAY HOMES OPEN DAILY 12PM - 5PM, CLOSED FRIDAYS 604.598.8873 l 6350 142 STREET, SURREY

gourmet kitchens

extra space

Prices are subject to change or be withdrawn without notice. Sizes are approximate. E.&O.E. Sales and Marketing by Fifth Avenue Real Estate Marketing Ltd. fifthave.ca

SURREY/LANGLEY

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 47

//MIND OVER MORTGAGE

Surprise!

BANK OF CANADA LOWERS INTEREST RATES ONCE AGAIN » by JORGE & ALISA ARAGON It was a huge surprise to everyone when the Bank of Canada announced yesterday that it is cutting its key interest rate by 0.25% to 0.75%. There hasn’t been a movement upwards on downwards in the key interest rate in over 4 years.

The big question is – What impact is this change going to have on me? » CHEAPER MORTGAGES FOR CLIENTS THAT HAVE VARIABLE OR ADJUSTABLE MORTGAGES

JORGE & ALISA ARAGON

are Mortgage Experts with Dominion Lending Centres Mountain View. They are active members of the Greater Vancouver Home Builders Association. Jorge & Alisa focus on the overall needs and plans of their clients and then find the best mortgage to suit their needs.

For more information visit YourMortgageSolutionsGroup.ca or contact them at aaragon@dominionlending.ca.

Since variable and adjustable rate mortgages are determined by the prime interest rate and are linked to the overnight interest rate of the Bank of Canada. This will also be dependent on each individual lender if they reduce their own prime interest rate. Current mortgage holders with fixed interest rates, will not see a change on your monthly payments. However, people that are taking a new fixed rate mortgage or renewing their old one right now could see the interest rates come down. The reason being that fixed mortgage rates are dependent on the bond market. The bond market have already started to come down of the change in the interest rate by the Bank of Canada. » UNSECURED AND SECURED LINES OF CREDITS

Similar to the variable and adjustable mortgages, unsecured and secured lines of credit are normally linked to the bank’s prime interest rate which is linked to the Bank of Canada’s overnight rate. Which means that if you are borrowing money from a line of credit your cost of borrowing will come down. Again, this will be dependent whether or not the bank cuts their prime interest rate. » THERE WAS A HUGE DROP ON THE LOONIE

With yesterday’s announcement on the drop of the Bank of Canada’s overnight rate it affected the Canadian dollar as it had a huge drop. This means that if you are looking a shopping in the States or planning an international trip it is going to cost more. » SAVING ACCOUNTS

By the Bank of Canada changing the overnight rate it will affect the interest you will get from having money in a traditional savings account. There won’t be a huge change but if you are not earning much interest before you will be earning even less. Perhaps it might be worth it to explore other options.

Is your mortgage coming up for renewal, you are thinking of refinancing or looking at purchasing a new home? We will be pleased to help you explore your options based on your individual needs. After all, it is not about the mortgage, it’s about a strategy that is going to help you save time and money in the long run especially when interest rates start going up!

48 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

98 98

SURREY/LANGLEY

Innovative Townhomes with Innovative Townhomes Rooftop Living Spaces. with Rooftop DesignedLiving to Fit Spaces.

Your Lifestyle.

Designed to Fit Your Lifestyle.

2 Bedroom Townhomes Coming Soon to Yorkson Langley 2 Bedroom Townhomes Coming Soon to Yorkson Langley

208 St

LANGLEY BYPASS LANGLEY BYPASS

208 St

77A Ave 77A Ave 72 Ave 72 Ave

209 St 80 Ave 80 Ave

83 Ave 83 Ave

209 St

LOCATION 7811 209 Street LOCATION Yorkson, Langley 7811 209 Street Yorkson, Langley

hayerlifestyle.com 604.371.0044 hayerlifestyle.com 604.371.0044 *Prices and incentives are subject to change or be withdrawn without notice.

Prices quoted exclude applicable sales taxes. Please ask the sales representative for further details. Sales and marketing by Fifth Avenue Real Estate Marketing Ltd. 604.583.2212.

E.&O.E *Prices and incentives are subject to change or be withdrawn without notice.

Prices quoted exclude applicable sales taxes. Please ask the sales representative for further details. Sales and marketing by Fifth Avenue Real Estate Marketing Ltd. 604.583.2212. E.&O.E

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 49

//INSIDE MORTGAGES

How to FutureProof through Refinance!

KRIS GRASTY

is a mortgage broker with Dominion Lending Centre’s Canadian Mortgage Experts and an active member of the MBABC. Kris maintains a strong focus on educating clients on all options.

For more information visit his website at www.krisgrasty.ca or reach him at kris@cmexp.com.

Original Mortgage

Amortization

Rate

Current Payment

$300,000

15yrs

3.75%

$2,177

On renewal, the remaining mortgage balance is $217,900. Let’s look at the renewal rate, payment and add in the consumer debt. You can see that the new payment is lower, but the added consumer debt is still costing extra money each month.

Renewal amount

Remaining Amortization

Today’s Rate

Renewal Payment

» by KRIS GRASTY

$217,900

10

2.89%

$2,091

Refinancing isn’t always the best option when renewing your mortgage if you are not looking at accessing your equity, however it may be advisable to consolidate consumer debts and reduce overall monthly expenses.

Today, clients are able to refinance up to 80 per cent of their home value.

The option for consolidation is a good one if you are equity rich, but are paying multiple debts at higher interest rates. This option allows you to lock in debts at lower interest and put them all into payoff mode more quickly.

One of the biggest advantages of refinancing is that it gives you the opportunity to review your current financial situation, make adjustments that affect you immediately month to month and even better, may allow you to build in some “Future Proofing”!

ADD CONSUMER DEBT 7+%

$300/month

WITH SEVERAL CLIENTS LAST YEAR, REFINANCING HAS PROVIDED THIS “FUTURE PROOFING” OPPORTUNITY: The average mortgage in BC is near $300,000, so let’s use that as the starting point. The client took out a mortgage five years ago at 3.75 per centand is now up for renewal. The original mortgage was for 15 years amortization, so only 10 years remain.

Over the last few years, the client has added a $20,000 line of credit costing nearly $300 a month in payments.

50 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

$20,000 TOTAL 237,900

$2,391

The simple solution is just to refinance it all together, take advantage of lower rates and pay it all down still in the 10 year period. There is a $108 savings a month and the client is happy to stay on track and pay less interest overall.

Refinance Mortgage and LOC $237,900

Remaining Amortization 10

Rate

Payment

2.89%

$2,283.00

Now let’s look at the “future-proofing” opportunity here. We can extend the amortization and lower the total monthly required payment to $1112 a month! Again, I am not suggesting that we go backwards here at all, but if one partner were to lose their job or have a significant life event, there is now an immediate safety valve built in here.

The key is to use your prepayment privileges to stay on track, penaltyfree. You can still maintain your payoff timeline.

FUTURE PROOFING = Minimize payment; cover for job loss or life event

$237,900

25

2.89%

$1,112

USE PREPAYMENT PRIVILEGES (double up) = Stay on track penalty free!

Refi Mortgage and LOC $237,900

Effective Amortization or Payoff

Rate

Payment (x2)

10 yrs and 4 months

2.89%

$2,225

As you can see now, just refinancing at the 10 year amortization has a payment of $2391/month. Refinancing on a 25 year schedule but doubling up the monthly payment saves an additional $166.00 per month, maintains your 10 year goal relatively nicely here AND adds the peace of mind that you can handle life’s curve balls! Perhaps you can apply the $166 savings to an RESP for your children’s education or add to your RRSP’s for your retirement?

SURREY/LANGLEY

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 51

SURREY/LANGLEY

BUILDING SINGLE FAMILY HOMES FOR OVER 60 YEARS

Private Green Belt Single Family Homes in Cloverdale Now Selling!

Open Daily Noon to 5pm 18012 68th Avenue, Cloverdale - Surrey 604-372-0388 | southcreek@qualico.com An inspired collection of 74 contemporary single family homes has arrived in Cloverdale! Located next to schools and parks, Foxridge Homes’ South Creek community boasts spacious 3 and 4 bedroom homes, many which back on to a winding treed green belt. With over 3,000 sq. ft. of efficiently designed living space, landscaped fenced yards, double car garages and optional finished basements, these homes are perfect for those who enjoy privacy, peace, and quiet, all the while being minutes from

Single Family Homes

everyday conveniences.

starting from the low

700’s

$

Including GST

Learn more about our other single family home communities at foxridgehomes.ca

Maple Ridge

52 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

Coquitlam

South Surrey

Coming Soon

// STYLE FILE

THE

luxe look » by YANIC SIMARD

YANIC SIMARD

is New Condo Guide’s design editor, principal designer of award-winning Toronto Interior Design Group (tidg.ca), and regular guest expert on City’s Cityline. Check out Yanic’s accessory line, Yanic Simard Selected, by visiting online at ysselected.com

We know the look of luxury when we see it, but how do you create it? The art of luxe design is not simply a matter of spending money, but more one of spending time to create spaces with depth, sophistication, and a certain considered air. Here’s my professional opinion on how to add a sense of luxury to your every interior, to bring that designer appeal out of your personal investment – whether starting a full renovation or perfecting an already beautiful home.

54 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

POWERFUL PALETTE s › One of the most subtle yet powerful ways to communicate a sense of luxury is through the use of an expertly assembled neutral colour palette. When done wrong, the look can read drab, but when created correctly the scheme reveals new depths upon every viewing. The key is to combine multiple shades, textures and tones to achieve a calm but complex look – subtle contrasts accent each other’s finest qualities. › Review your space and consider what subtle tones are the strongest. For example, if you have a warm-hued floor, add some touches of cool metals or icy-grey leather to play against it. Look for places to add white, cream, beige, taupe, grey, “greige”

Lotus Capiz Shell Tea Light Holder

(grey-beige), tan, brown, gold, bronze and tiny touches of black, while mixing soft and hard textures for full variety.

By sticking to neutrals you’ll be sure to coordinate, as long as you reapply warm and cool tones throughout the room.

Luxe Look: Sheep-fur pillows always add a rich textural statement, or try a small splash of an animal-inspired pattern. (Safari Crewel Embroidered Cushion, Yanic Simard Selected Collection.)

Bronze Rose Tea Light Holder

AREAS OF INTEREST:

› I often encourage clients to run one flooring material throughout a space, applying a single hardwood to the living, dining, bedroom and even kitchen areas, making a clean, continuous statement. However, this doesn’t mean you should avoid carpeting altogether, but actually the opposite: layering a large area rug over your hardwood creates the most sophisticated statement. › Size a rug to leave about one to two ft. of floor exposed at each side, making sure the carpet tucks under your seating. Enough wood will show around the borders of the room to reveal its presence, while giving you a soft surface to nestle into and an opportunity to add a new colourful or elegantly textural statement.

Luxe Look: Cream carpeting layered over deep espresso walnut.

The key is to combine multiple shades, textures and tones to achieve a calm but complex look – subtle contrasts accent each other’s finest qualities

Safari Crewel Embroidered Cushion from the Yanic Simard Selected Collection LIGHT UP THE DARK

› Embracing wood or stone finishes on vertical surfaces adds visual texture and a sense of intimacy to a space, but can absorb a great deal of light and leave an area feeling heavy. Layering light is always important, but be sure to add extra sources around your dark cabinetry, wardrobes or other weighty elements. Ensure as many lights as possible are controlled by a dimmer to allow you to adjust the atmosphere to suit your mood. › A dropped ceiling panel over an island provides space for a plenitude of new pot lights, while subtly defining a zone within an open plan. Diversity of light sources avoids harsh shadows, for a rich glow, so consider adding soft new lights to every room.

Luxe Look: Use at least three light sources in every space. Consider adding tea light holders in warm metallics to add a complex golden glow anywhere.

AFTERTHOUGHTS:

Here are a few other ways to add last-minute luxe touches to your space – even after the designer has left. › Replace two chairs at your dining table with a bench or settee to create the feeling of a private booth, and a fun visual surprise. › Trade out busy bedding for white linens with a single colourful bolster matched to an upholstered bench. Add my Aspen Faux Fur throw folded neatly at the foot for additional inviting texture. › Have a good florist create a cactus planter to add exotic flair that will survive your week away unattended. › Instead of adding a lamp to the bedside table, order a floor lamp with a built in table from a lighting boutique, for an uncommon traditional-yet-modern twist. › When your space is already beautiful, the most stunning artwork will be an oversized mirror in a textural frame.

TANTALIZING TILE

HIDDEN DEPTHS

› A full wall of floor-to-ceiling drapery is a powerful designer trick in more ways than one: it creates a rich textural backdrop that speaks of bespoke craftsmanship, but also erases any imbalances or asymmetry in the placement of windows, bulkheads, or other awkward architectural features, for a seamless look. › Draping an entire wall with no break (on a hidden track in the ceiling if possible) puts the focus on the beautiful material, and anything else you choose to layer in front of it. Don’t be afraid to apply a textural fabric behind an upholstered headboard for a doubly luxe bedroom setting (with extra sound dampening).

Luxe Look: Use simple unpleated drapery in a textural linen to create soft elegant waves of material.

56 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

› The must-have bathroom statement of the design era is an oversized tile wall, applying a richly grained stone floor to ceiling for the ultimate spa-like atmosphere you can enjoy every day. › Pairing this treatment with a minimal glass shower enclosure and sparkling neutral fixtures (in white, dark woods, and nickel) lets the natural patterning take all the well-deserved attention. Add a cut-crystal vessel sink as the jewel of this treasure chest.

Luxe Look: Try Roberto Cavalli tile installed vertically on a simple offset.

NOW SELLING!

Serpentine Fen Nature Reserve

SOUTH SURREY / WHITE ROCK 40th Ave

11

12

Crescent Park

Sunnyside Acres Urban Forest Park

24th Ave

152nd St

Y

160th St

148th St

140th St

4 2

W

128th St

24th Ave

13

10

H GE OR GE

16th Ave

26th Ave

G KIN

16th Ave

15

24th Ave

South Surrey Athletic Park

20th Ave

5

164th St

7

32nd Ave

6 8 9

Ma rine Dr

14

16th Ave

15 3

10th Ave 8th Ave

8th Av 1

SOUTH SURREY / WHITE ROCK 1.

CANADA Dawson + Sawyer 4. The Hamptons UNITED STATES OF AMERICA On the Course II 16437 23 Ave. 253 171 Street 604-385-0111

2.

The Estates at Southwood 16780 22A Ave, 604-648-8065

3.

604-723-4497

5.

2687 158 St. 604-538-5591

6.

Blu 15988 32 Ave. 604-782-5258

Southbrooke 10th Ave. & 165th St. 604-805-2941

Jacobsen

7.

Belcroft 15977 26 Ave. 604-568-8830

8.

9.

184th St

Crescent Beach / Blackie Spit

99

176TH ST

99a

168th St

d nt R sce e r C

Hyde Park 15811-28th Ave 604-506-1852

The Heights

2845 156th St. 778-545-8737

10. Breeze #5 16223 - 23rd Ave. 604-582-1113

11. The Woods 32nd Ave. & 156A St. 604-538-8876

12. South Point Walk 29A Ave & 152 St 604-560-3238

13. Hycroft Rowhouse 16467 - 24th Ave. 604-541-2495

14. George 1708 King George Blvd.

604-571-6400

15. The Estates at Morgan Heights 16145 - 28A Ave, 604-560-1053

SOUTH SURREY/WHITE ROCK

F NOINA W LP SE HA LL SE IN G 2014 GEORGIE AWARD FINALIST Best Townhome Development Best New Townhome Kitchen Residential Community of the Year

3 & 4 BEDROOM TOWNHOMES PRICED FROM THE LOW 500’s

jacobsenLiving.com

Sales Centre #1 - 2687 158th St South Surrey

Open 12 - 5pm daily (except Fridays)

Contact us 604.538.5591

152nd ST

32nd AVE

GE GE

OR

26th AVE

VD BL

160th ST

NG

KI

158th ST

28th AVE

24th AVE

Prices quoted exclude taxes and are subject to change without notice.

E.&O.E. Sales and Marketing by Fifth Avenue Real Estate Marketing Ltd.

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 59

Financial fitness?

MOST PEOPLE ARE FINANCIALLY FLABBY

» by GAIL VAZ-OXLADE

GAIL VAZ-OXLADE

is the host of Til Debt Do Us Part and author of Debt Free Forever and blogs daily at www.gailvazoxlade.com.

Follow Gail on Twitter at Twitter.com/GailVazOxlade

People spend a lot of time worrying about what they eat, how much they weigh, and how healthy their hearts are. According to Statistics Canada, life expectancy rose by almost 2 1/2 years for men and by almost 1 1/2 years for women between 1986 and 1996. But, while we are all now living longer and healthier lives, for many people, financial fitness still isn’t a reality.

Only 30 per cent of Canadians follow a monthly budget, while just 40 per cent of us have a formal financial plan in place. Yikes! The fallout of all this inactivity (is it inattention or procrastination?) is that the realities of Canadians’ lives are a long way off their expectations.

The CIBC Financial Health Poll conducted by COMPAS Inc., showed that 37 per cent of those who retired and then returned to work did so because they didn’t have enough money. What would they have done differently if they could do it all over? Well, 60 per cent say that in hindsight they would have started investing earlier and they would have saved more. Hmmm...

More than just having enough money, our level of financial fitness reflects our ability to bring our current and future needs into balance. To have a balanced financial plan, you must set some realistic goals. Just as most athletes have specific goals toward which they consistently work, the key to financial fitness is to set achievable goals and consistently work toward them.

What weighs most heavily on your mind? Very likely there will be several issues competing for your limited financial resources.

Do you want to accumulate a specific amount of money, eliminate your mortgage or pay off that new car? Weighing each of your goals against the others will help you to see which are the most important ones.

There are no right or wrong answers at this point. Right now, you’re just laying the plan. Later, if you want to double-check it, you can ask your financial adviser to look it over and see what’s missing.

OKAY, IT’S TIME TO PICK UP A PEN AND GET TO WORK:

›› Make a list of everything you want to achieve. ›› Make sure you’ve covered each of the seven areas of a financial plan. ›› Prioritize your list. ›› Pick two goals. ›› Make sure your goals are realistic. ›› Set some dates. ›› Write it all down. ›› Check your progress every six months.

60 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

Having decided where you want to be, you need to determine where you are now so you can size up the gap. Complete a net worth statement to see just how balanced your finances are and update this statement annually. It is your scorecard of how much your efforts are paying off. Next, do a budget so you can see exactly where your money goes each month. Estimate how much you spend monthly, track your expenses for about three months, and revise your budget to reflect your actual expenditures. Don’t cop out and say, “Well I had unusually high expenses this month because...” Emergencies always crop up, and part of being financially fit is having a plan for dealing with those nasty little surprises.

NOW LOOK AT YOUR INCOME

RELATIVE TO YOUR EXPENSES.

If your expenses seem too high, you can either cut back on what you’re spending or increase your income. ›› Consider a part-time job to boost your earnings. ›› If you have extra space, think about renting a part of your home for extra income or sharing your home to reduce your living expenses. ›› Consolidate bank accounts to save on fees. ›› Brown-bag it for a few months to trim your waistline and your budget. ›› Share newspapers, magazines and books with friends and co-workers. ›› Park the car.

Having done your warm up exercises – you’ve written your financial goals down in order of priority, completed a net worth statement and set up a budget – you now have to decide how to meet your goals.

Let’s say you plan to start an investment program. You want to save $25,000 over the

If you haven’t already done so, establishing an emergency fund for large, unforeseen expenses or temporary job loss should be a priority. next five years. If you’re looking at your budget and thinking, “There’s just no way!” maybe you need to adjust your time frame.

Or perhaps you need to look at how you’re investing your savings. One rule of investing is the longer you have to reach your goal, and the more your money earns during that time, the less you have to set aside each year.

If you haven’t already done so, establishing an emergency fund for large, unforeseen expenses or temporary job loss should be a priority. Ideally, your emergency fund should be able to support you for three to six months. If someone in your household shares the expenses, consider how long it would take him or her to find another job.

Check over your accounts and make sure you’re getting the most for the least. There’s no point in paying for services that you’ll use only once in a blue moon. Little things like choosing a passbook option rather than receiving a statement can save you money. If you can reduce or eliminate your fees by maintaining a specific minimum balance, consider consolidating your accounts to reduce your costs. If maintaining a monthly balance is a problem, then you’ll have to compare individual service charges to choose the least expensive account for your purposes.

Now it’s time to look at your debt. Begin by eliminating credit card balances and consumer loans. Often people pay only the minimum required without realizing how much interest costs work against their overall plan. If you have several cards with high balances, consider a consolidation loan to reduce your interest costs. Does your card charge a high rate of interest? Transfer your balance to a lower-cost card. If you have only a small amount to work off, put your

cards away until the debt is cleared. Once you’re debt-free, by all means take advantage of the convenience credit cards offer, but keep tight control of them and pay your balance off in full every month.

PREPARE FOR THE RISKS OF EVERYDAY LIFE

The risks we seem to deal with quite easily are property insurance, car insurance and contents insurance. The risks we tend to overlook are those associated with our economic earning power. If you or your partner were to die, become ill or disabled and unable to work, would your family have the resources to meet their day-to-day needs? It’s a tough question to face, but the consequences of not facing it can be even tougher on your family. ›› Life insurance will protect your family’s standard of living if you die. ›› Disability insurance will provide you with an income if you cannot work due to illness or injury. ›› Critical illness insurance will pay you a lump sum if you are diagnosed with a specific illness. ›› Long-term care insurance will pay the bills should you (or other members of your family) need in-home or facility care.

Don’t forget to do some retirement planning. The only one you can count on is you. Through means testing of pension and age tax credits, and reduction in senior’s benefits, the government is saying loudly and clearly, “You are responsible for providing for yourself.” Thankfully, we still have Registered Retirement Savings Plans

(RRSP). Any money contributed to an RRSP remains tax-deferred until the funds are withdrawn. And since investments held in RRSPs also grow on a tax-deferred basis, they grow much more quickly than investments held outside an RRSP. Despite the fact that almost everyone should have a will and a power of attorney, many people don’t. Some think their wishes will be carried out by a family member or that they do not have enough money to justify the cost of making a will. Others avoid making a will because their personal circumstances – marriages, divorces, and accumulated children and stepchildren – just seem too complex to unravel. However, if you die without a will, trying to figure out who gets what, and when, can be a mess.

And your estate may end up paying more in fees and taxes than it should, leaving less for your loved ones.

Partnered? Have your wills drawn up together so that they reflect an integrated estate plan. Review and update your will every three or four years, especially when family circumstances change (weddings, divorces, births and deaths all result in changes in family structure), your financial circumstances change, new legislation is implemented, or you change your province or country of residence.

Financial fitness isn’t achieved overnight. It takes time, a sound plan, a strong commitment and, perhaps, a financial coach. If you are serious about taking control of your finances and about your independence, you too can become financially fit. Believe in yourself and in your own ability to take charge. Then just do it! See you in the winner’s circle.

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 61

SOUTH SURREY/WHITE ROCK

NOW SELLING BY APPOINTMENT

20 Arts & Crafts Townhomes in a Spacious Upscale Community 604.541.7400

rosemarygate.ca 3303 Rosemary Heights Crescent

NOW SELLING! VISIT US TODAY

EO

60 AVE

D LV

144 ST

EB

SALES CENTRE

142 ST

RG

Get all of this and more at Blackberry Walk, the perfect place to call home.

GG

A collection of signature townhomes featuring stylish kitchens, large master suites, generous living spaces, and a variety of special upgrades and customization options. Many of our homes offer basement-level rec. rooms for more flexibility.

Excellent schools are just a short walk away, and trails to parks and playgrounds start right at your doorstep.

64 AVE

KIN

EXPECT MORE. GET MORE.

14271 - 60th Ave, Surrey Open Daily: Noon - 5pm (except Fridays)

BLACKBERRYWALK.COM OR CALL 604.501.6119 This is not an offering for sale. An offering for sale can only be made with a disclosure statement. E.&O.E.

62 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

SOUTH SURREY/WHITE ROCK

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 63

SOUTH SURREY/WHITE ROCK

2 & 3 BEDROOM TOWNHOMES STARTING FROM $329,000.

SAY HELLO TO GEORGE. A unique collection of 42 coastal inspired townhomes. Ranging from 1250 sq ft to 1650 sq ft, these 2 and 3 bedroom move -in -ready homes are loaded with impressive finishing details that are all included. Located in the heart of South Surrey, you’ll enjoy easy access to shopping, schools, recreation, and more.

Come in to see George for yourself! Our sales centre and showhome is open noon-5pm daily except Fridays.

hellogeorge.ca 604.571.6400 1708 KING GEORGE BLVD, SURREY BC THIS IS CURRENTLY NOT AN OFFERING FOR SALE E.&O.E. LIMITED TIME OFFER ON DECORATING BONUS. SEE SALES STAFF FOR DETAILS.

64 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

IF YOU COME OUT TO THE WOODS TODAY, YOU’RE IN FOR A BIG SURPRISE! 3 Bedroom homes in South Surrey with studio space and Rooftop Patios starting from the low $400’s

90% SOLD!

32ND AVE & 156TH ST 604.538.8876 GRAMERCY.CA/THEWOODS

SOUTH SURREY/WHITE ROCK

66 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

SOUTH SURREY/WHITE ROCK

164 ST

G

GH

N

HI

KI EO

E

99

RG

AY W

G N

24 AVE

20 AVE

VD BL

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 67

//ON THE HORIZON

Brighton

ABBOTSFORD TOWNHOMES

on the horizon Checking Out What’s Hot and New in the Lower Mainland’s Residential Marketplace and Beyond » by SUSAN M BOYCE

Tell us YOUR NEWS Got a new development you’d like us to feature in On the Horizon?

Drop me a note at onthehorizon@ wall2wallmedia.com, and we’ll do our best to get you in the next edition.

The newest phase of Tudor-style townhomes at Polygon’s landmark masterplanned community of Westerleigh in West Abbotsford. This limited collection of two- and three-bedroom residences features stately brick cladding, generouslysized decks, and attached garages. Gourmet kitchens include stone counters, stainless steel appliances and warm laminate flooring. Minutes to West Abbotsford’s growing educational, recreational and urban amenities. Bonus: aautomatic membership to Club West, Westerleigh’s resort-style private clubhouse with outdoor pool, fitness studio, fireside lounge, hockey room, and theatre room. Priced from $269,900.

Presentation centre now open at 30989 Westridge Place. For more information visit polyhomes.com or call 604.607.7801.

Walnut Ridge

SURREY TOWNHOMES Located at 7198 – 179 Street in Clayton, this collection of 26 three- and four-bedroom townhomes is attractively priced from $335,900 (net GST included). Mountain views plus excellent proximity to schools, shops, restaurants, and North Creek Park For more information visit walnutridge. ca, or call 778.908.4318 or 604.506.4900.

Open weekends or by appointment any time.

Nelson Peak

MAPLE RIDGE SINGLE-FAMILY HOMES Coming this May, Nelson Peak continues the Portrait Homes tradition of exceptional homes in outstanding locations. The newest phase in the award-winning Silver Ridge master planned community, these homes feature new finishings plus brand new floorplans ranging from duplexes to single-family homes that boast more than 3,300 square feet (including unfinished basement). Every home includes fully landscaped lot — many backing onto pristine green space and some

offering amazing mountain views. Engaging community ambiance, proximity to outdoor living and recreation, and easy access to the amenities of downtown Maple Ridge. Priced from the mid $400,000s.

For more information and to priority register for more information as it’s released, visit portraithomes.ca.

The Village at Southwood SOUTH SURREY SINGLE-FAMILY

Great location near 168th Street and 23rd Avenue in South Surrey’s Morgan Heights neighbourhood, this collection of 45 executive homes features distinguished, open interiors with vaulted ceilings and window seats, luxurious glass paneled stairwells, and eye-catching linear gas fireplaces. Elegant, spa-inspired bathrooms and gourmet kitchens complete with large granite islands.

Select lots also included a finished legal suite basement. Priced from $749,900. Familyfriendly location close to parks, top schools (including South Ridge), multiple golf course, as well as the shops and amenities of the Morgan Crossing Shopping District and Semiahmoo Mall.

For more information, visit mstarhomes. com or call 604.560.3450.

Strathcona Gardens

VANCOUVER TOWNHOMES Located at 1130-1136 East Pender Street in the heart of East Vancouver’s historic Strathcona neighbourhood, these duplexstyle (and one coach house) homes feature charming 1920s-style, character architecture plus elegant, contemporary interiors. Just a five-minute walk to the ball diamonds at Strathcona Park, a five-minute drive to downtown, or a five-minute bus ride to the emerging Craft Brewery District. Easy cycle access to everywhere.

Sales begin mid-February with prices starting in the mid $600,000s. All homes will be move-in ready. For more information, visit strathconagardens.com or call 604.328.9940.

HOMEBUYERS’ HELP//

Homebuyers’ Resource Section You love the home, see what you can afford! » Compare mortgage rates for your best deal

» Calculate your mortgage payments using the mortgage payment calculation chart

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 69

Calculate your mortgage payments INTEREST RATE

AMORTIZATION PERIOD

CHART FIGURE

EXAMPLE: 5%

25 YEARS

5.82

MORTGAGE AMOUNT ÷ 1,000 (MORTGAGE AMOUNT $125,000)

125

MONTHLY PAYMENT

$

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

01 02 03

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

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

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

04

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay.

Line this up with the amortization period of your choice. (Most firsttime buyers take the 25-year amortization.)

05

06 07

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

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

Multiply this figure by the amount you need to borrow.

Divide by 1,000. » Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice andget pre-qualified.

Mortgage payment calculation chart %

INTEREST RATES

AMORTIZATION PERIODS

10 YEARS

15 YEARS

20 YEARS

3.00%

9.65

6.90

5.54

3.50%

9.88

7.14

5.79

3.25% 3.75%

4.00%

4.25%

4.50% 4.75%

5.00%

5.25%

5.50%

9.76

9.99

10.11

10.23

10.34 10.46

10.58

10.70

10.82

7.02 7.26

5.53

5.04

7.75

7.88

6.85

6.10

8.40

7.12

8.01

8.66

7.25%

11.68

9.07

7.75%

8.25%

8.50%

11.94

12.06

12.19

12.32

8.75%

12.45

9.25%

12.71

9.00% 9.50% 9.75%

10.00% 10.25%

10.50% 10.75%

8.93

9.21

9.34

9.48

9.62

9.76

13.24 13.37 13.50

10.48

10.63 10.77 10.92

11.06

7.26

6.55

6.11

7.41

6.91

8.28

7.63

7.25

8.59

7.95

8.14

8.44

14.18

14.32

12.75%

14.59

12.50%

14.46

11.82

8.10

8.78

8.45

8.95 9.12

9.84

9.29 9.63

10.00

9.46

10.32

9.80

10.65

10.15

10.81

11.97

10.98

12.28

11.31

12.13

8.45

9.52

9.68

11.15

7.42

7.59

7.76

8.62

9.36

7.08

8.12

9.20

10.49

12.00%

7.79

8.28

11.52

12.25%

7.47

8.86

13.91

11.66

6.75

7.32

11.50%

14.04

6.59

6.42

7.99

10.16

11.75%

7.00 7.16

11.22 11.36

6.26

7.84

7.69

5.95

6.70

6.85

13.64 13.77

6.40

7.55

11.00% 11.25%

5.49

5.64

5.79

9.05

10.33

5.19

5.34

6.25

10.19

12.84

5.96

4.90

6.98

8.74

10.05

13.10

6.74

9.90

12.58

12.97

5.67

8.14

8.80

8.00%

6.44

5.40

5.82

11.43

11.81

6.17

6.57

6.75%

7.50%

4.61

6.30

8.53

11.56

4.48

5.13

7.63

11.19

7.00%

4.99

5.91

4.34

4.76

6.25%

11.31

4.21

4.86

5.26

8.27

6.50%

4.73

5.66

6.04

10.94

11.07

30 YEARS

7.38

7.50

5.75%

6.00%

25 YEARS

9.97

10.32 10.49 10.67

10.85

7.93

8.28 8.63

8.80 8.98 9.16

9.34 9.52

9.70

9.88

10.06

10.25 10.43

10.61

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 71

BRITISH COLUMBIA’S NEW HOME DEVELOPMENTS PROJECT

TYPE

ABBOTSFORD Abacus Uptown Brighton Cedar Landing Eagle Estates Eagles Gate Falcon Ridge Foxwood Hudson’s Loft 2 Lift Luna Waterleaf

LR TH TH SF SF SF SF LR LR TH LR

PRICE

PROJECT

604-309-7155 604 607-7801 604-850-5040 604-859-3141 604-309-7729 604-309-0540 604-850-5040 hudsonsloft.ca 604-557-1047 778-895-5862 604-850-3694

$109,900 inc net GST From $269,900 Fr. 274,900 inc net GST From $599,900 From $373,500 From $789,000 From $524,900 Call Call From $289,900 From $179,000

HR HR HR HR TH TH HR HR TH LR/TH LR HR HR LR LR TH HR HR MR LR TH LR HR LR TH LR

604-451-9517 604-456-8883 604-291-9130 604-563-8386 604-293-1818 604-436-1100 libertyhomes.ca goldhouseliving.com 604-671-5565 604-320-3386 liveatburnabyheights.com 604-899-8800 604-899-8800 604-435-9477 604-435-9477 604-435-5565 604-435-8866 604-456-0688 604-536-5777 604-431-6033 604-438-9922 604-527-7955 604-438-1113 604-528-8906 604-563-7001 604-218-3338

From $469,900 From Mid $200’s Call From $299,900 From $539,900 From $499,900 Call Coming Soon Call Call Coming Soon From $349,800 Coming Soon Call From $439,900 Call Call From $389,900 Call Call From $334,900 From Mid $200s Call From Low $300’s Call From $249,900

SF TH SF SF/LR/TH

www.livethefalls.com 604-795-6938 604-534-5079 604-824-5062 604-858-7179 1-877-858-2408 1-800-830-7175 604-991-5151 604-991-1777 604-991-8250 604-824-6473 1-800-830-7175

From $389,900 From $242,900 From $249,900 Call From $269,900 From $399,900 From $184,900 From $149,900 From $259,900 From $449,900 From $508,000 From $242,900

604-472-1123 604-514-4359 604-931-0302 604-998 8998 604-939-8808 604-942-8416 778-285-6299 604-492-3388 604-939-0018 crownbybeedie.ca 604-942-2672 604-497-0102 intracorp.ca 604-936-1888 604-937-2599 604-514-4359 604-939-8874 604-492-4123 604-563-5777 604-464-2701

Call Coming Soon From low $200’s From Low $500’s $264,000 $299,900 Call Call From $208,800 Coming soon From $284,900 From $93,900 Coming Soon From $309,900 From $220,500 Coming Soon From $209,900 Call Call Call

BURNABY Aldynne on the Park Altitude Aviara Brentwood Britton Casa d’oro CentreBlock at Univercity Gold House Highland Park Metrotown Lift Madison Met 1, The Met 2, The Metro One Metro Two Metro Metroplace Modello Novella OakTerra Paddington Mews Redbrick Station Square Storybrook Thurston Trio CHILLIWACK / SARDIS Camden at The Falls Centre Field Englewood Village Garrison Crossing Heron’s Landing Jinkerson Vistas La Cason Radius River Walk Seasons at Cedar Sky Summit Residences, The Townsend Terrace

C O N TA C T

COQUITLAM 1123 Westwood Amberleigh Austin Black+Whites Bloom Bradley House Burke Mountain Heights Charland Como Crown Evergreen Evolve Foster Ave Rowhomes Grand Central 2 Hazel Kingston Mackin Park Nest Novella Oasis Penthouse (PH)

SF LR LR TH TH SF TH HR SF HR TH LR/TH LR SF LR LR HR HR HR TH HR LR SF LR TH MR HR

Live Work (LW)

City Home (CH)

High Rise (HR)

TYPE

Regan’s Walk Riley Secret Ridge Somerton Sterling The Windsor Uptown2 DELTA NORTH DELTA Delta Rise Kaleido Lakeside Luxor South Pointe TSAWWASSEN Brio Tsawwassen Heights Tsawwassen Shores Tsawwassen Springs LANGLEY Athenry Gate Arcadia Cornerstone Elements Exchange Evergreen North Yorkson Focal Point Keaton Ivy Row Kensington Lotus Living Marquee Mason & Green McBride Station Mission Green Parkside Serenity Summerhill Varsity York York by Mosaic Yorkson Creek Yorkson South MAPLE RIDGE 223 North Albion Station Cascada Cliffstone Edge on Edge Grant Hill Estates Hampstead at Silver Ridge Jackson Park Jackson Ridge Mainstone Creek Meadows Pointe Montgomery Acres Myron’s Muse Parc Vue Pointe, The River’s Edge Robertson Heights Signature at Falcon Centre Spencer’s Green Station One Summit at Grant Hill Two Birds Village Green Village Walk Wellington Station Wynnridge

Mid Rise (MR)

Low Rise (LR)

Loft (LO)

C O N TA C T

PRICE

LR TH DP SF SF HR HR

604-492-0222 604-468-7688 secretridge.ca 604-469-8581 604-464-2260 604-941-8305 604-939-2611

From $259,900 From $349,900 Coming Soon From $699,900 From $689,900 From $325,900 From $278,900

HR TH TH LR SF

604-594-7473 604-590-8818 604-585-7107 604-590-8003 604-584-2908

From $189,900 From $389,900 Call From $199,900 From $699,900

LR SF SF SF/LR

604-943-8811 604-271-7288 604-943-6677 604-948-HOME

Call Call From $499,900 Call

RH TH TH LR TH TH LR SF

604-882-8857 04-513-9090 604-534-6000 604-533-7718 604-535-8587 604-648-8956 604-377-7000 604-882-3733 604-999-9323 604-427-3311 604-831-0800 604-427-3550 604-852-5382 604-533-0881 604-871-4288 604-648-9428 604-371-1538 604-418-7072 604-539-2200 604-534-9495 604-882-6758 yorksoncreek.com 778-785-1673

From $137,500 From $279,900 From $189,900 From $199,900 Coming Soon From $645,000 Coming Soon Call for Info Fr. $479,900 inc GST From $199,900 Coming Soon From $268,900 From $324,900 Coming Soon From $314,900 From $480,000 Call for Info From $379,900 From $139,900 Call From $259,900 From $179,900 From $440,000

LR TH LR SF LR SF SF SF SF SF LR SF TH LR SF LR SF LR SF LR SF TH TH SF LR SF

604-463-0588 604-351-3261 604-318-5254 604-380-0045 604-466-8783 604-230-3935 604-466-9278 604-805-4668 604-351-3261 604-463-5000 604-522-8970 604-477-2959 604-380-1801 604-467-8884 604-999-2452 604-318-5254 604-380-4708 604-477-1500 778-846-3200 778-878-1347 604-405-4437 604-467-7000 604-476-2292 604-465-6524 604-380-0300 604-466-6388

From $174,900 From $254,900 Call From $549,900 From $149,900 Call From $498,900 From $419,900 Call Call From $189,900 From $509,980 Call Call From $489,900 From $174,900 From $459,900 Call From $528,900 Coming Soon From $769,900 inc gst Call From $279,900 Call From $189,000 Call

LR TH LR LR TH SF LR TH RH LR TH TH TH TH

Duplex (DP)

Townhouse (TH)

Row Home (RH)

ConneCting buyers to the best new home o p p o r t u n i t i e s i n m e t r o p o l i ta n Va n C o u V e r new h omes starting from the mid $100’s

FIFTHAVE.CA 72 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

n e w h o m e s a l e s and marKeting eXpertise

The listings included on the following pages are meant to offer a comprehensive overview of those new home developments currently being marketed throughout Greater Vancouver and the Fraser Valley. Pricing is subject to change; you should contact the specific development for current details or special promotions. To report any changes or corrections to this information, please contact our office at 604.519.6080, fax 604.519.6088, or email homes@wall2wallmedia.com PROJECT

TYPE

C O N TA C T

PRICE

MISSION / HARRISON Fraser Landing Horizons

TH TH

1-888-826-1177 1-888-826-1177

From $249,900 From $319,800

NEW WESTMINSTER 258 on Sixth Alexander Walk Canoe Dominion Elliot St English Mews Glass House Lofts Lookout at Victoria Hill, The Northbank Parkside at Victoria Hill Rivers Walk The Sapperton at Brewery District Thompson Landing Trapp & Holbrook

HR TH TH MR HR TH LR LR HR HR TH HR SF HR

604-377-9630 604-779-1292 aragon.ca 604-525-8980 604-524-8080 604-517-1688 604-520-9890 604-523-0733 604-523-0081 604-523-0733 604-533-3575 604-694-1188 604-520-3226 604-525-0223

Call From $349,900 Now Selling Call Call Call Call Call From $249,900 Call From $469,900 Coming Soon From $476,900 From $299,900

HR LR LR MR/TH LR MR HR LR LR LR TH HR/LR/TH TH LR LR LR/TH MR LR LR LR MR/TH HR LR LR MR

604-980-9949

LR TH LR

778-846-3200 604-761-6806 604-460-6601

NORTH VANCOUVER 15 West 221 East 3rd Anchor, The Atrium at the Pier Canyon Springs Capstone CentreView Destiny 2 Drive, The Heywood on the Park Latitudes Local on Lonsdale Loden Green Maplewood North Mill House Northlands Pinnacle Residences at the Pier Remix Tatlow The Ave Boutique Res. Trophy at the Pier Seylynn Village Shore, The x61 West Quay PITT MEADOWS Cedar Downs Homes at Brogden Brown Liv42

From $539,900 Coming Soon 604-988-8800 From Mid $300’s 604-983-9065 Call 604-973-0298 From $429,900 604-929-8870 Call 604-998-8540 Call 604-929-1915 From $259,900 604-986-8138 Call 604-985-0003 From $269,900 604-435-9477 From $469,900 604-998-0219 Call 604-988-0022 From $599,900 604-727-1594 From $378,900 604.986.0007 From $299,900 604-800-2120 Call 604-983-9065 Call 604-924-4488 Call info@tatlowliving.com Coming Soon 778-985-4676 Call 604-983-9065 From $509,900 604-980-5000 Call 604-980-0016 From low $200’s x61living.com Coming Soon 604-871-4474 Coming Soon From $194,900 Coming Soon From $134,900

PORT COQUITLAM Altura LR 604-552-5887 From $219,900 Amanti LR 604-475-3220 From $179,900 Carmandy LR 604-435-9477 From $209,900 Dominion TH 604-469-8988 Call Fremont Blue TH 604-552-0319 From$319,900 Fremont Green LR 604-349-9245 Call La Via LR 604-475-5100 From $169,900 Orchid LR 604-866-4206 From $149,900 Prima Residences LR 604-945-3999 From $219,900 Salisbury Lane 234214_Axis_NHBG_BannerAd_(Full_Bleed)_prs01.pdf TH 604-475-1172 Coming Soon 1 Shaughnessy, The HR 604-468-8252 Call South Verde LR 604-468-8640 Call Valorie on the Park LR 604-464-4764 From $246,900 Penthouse (PH)

Live Work (LW)

City Home (CH)

High Rise (HR)

PROJECT

TYPE

PORT MOODY Residences, The Station, The

HR TH

C O N TA C T

PRICE

604-552-0552 604-492-3338

Call Call

RICHMOND Alexandra Court Avanti Cadence Concord Gardens Empire Living Gardens, The Grand, The Harmony Kenstone Gate Kingston Gate Modern Estates Monet Elle Opal at Richmond Centre Ora Orchard (Beedie) Pinnacle Lilving at Capstan Pier, The Riga Riva River Inlet River Park Place RiverSky Saffron Tempo Vogue Westminster Terrace

LR LR/HR HR HR TH LR HR HR TH TH TH HR HR HR HR HR HR/MR/TH LR TH MR MR/TH HR HR LR HR TH TH

604-278-5809 604-276-9186 604-276-8683 604-233-7748 604-244-9622 604 271 3331 604 278 3880 604-278-3939 604-218-3338 604-760-6024 604-788-8833 604-233-7748 604-273-1313 604-303-7575 604-278-8838 live@orchard.ca 604-303-0148 604-274-7326 604-715-1250 604-278-8825 604-233-2633 604-282-7838 604-522-2583 604-270-2482 604-276-8885 604-715-1250 604-204-1077

$319,900 Call Call From $300,000’s Call From $396,900 Call From $322,300 From $529,900 Call Call From $300,000’s Coming Soon From $464,900 Call Coming Soon From $299,900 Call Call Call Call From $229,500 Coming Soon Call From $283,900 Call Call

SQUAMISH / WHISTLER Elaho Ocean Crest Ravens Plateau Aqua University Heights

TH SF SF TH/LR LR

604-898-2232 604-896-2235 1-888-852-7575 1-877-344-5566 1-888-852-7575

Coming Soon From $1,298,000 Call From $239,000 Call

SF

604-741-1877

From $479,900

HR TH LR LR TH TH TH TH TH TH LR TH TH LR TH HR TH HR TH TH TH TH SF SF TH TH TH LR LR TH LR TH

604-951-3331 604-953-1211 604-596-2202 tiensher.com 604-588-0005 604-501-6119 604.506.1852 604-503-0483 604-372-2071 604-598-8873 778-395-1886 604-372-0400 604-644-7811 604-530-5399 604-953-0833 604-497-0102 778-578-9779 604-453-6688 604-307-0400 778-293-2222 604-538-8888 604-584-7273 778-565-7768 778-565-7768 604-506-1852 604-574-8888 604-590-9122 604-727-5478 604-727-5478 604-543-6262 604-825-1038 604-720-7478

Call Starting at $279,900 From $170’s Coming Soon From $354,900 Call From $341,900 From 299,900 Fr. $279,900 Call From $118,800 High $200’s From $344,900 From $219,900 Starting at $341,900 From $93,900 From $344,900 Call From $349,900 Coming Soon Coming Soon Fr. $345,900 Call for Info Call for Info Call From $339,000 From $329,900 From $159,900 From $274,900 From $323,000 From $179,900 Incl. GST Call

SUNSHINE COAST SECHELT SilverStone Heights SURREY 3 Civic Plaza Ashbury Hill Ascend Balance Bishop Creek Blackberry Walk Boardwalk Brixton Brookside Canvas Connect Creekside Edgewood Esplanade at Waterstone Eton Evolve Fusion G3 Residences Guildford Greens Guildford The Great Heights Highcrest Highlands Horizons Hyde Park Joi Living Kendra Lingo 11:37 AM 2015-01-16 Lumina Madison Manarola The Maple Mid Rise (MR)

Low Rise (LR)

Loft (LO)

Duplex (DP)

Townhouse (TH)

Row Home (RH)

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 73

PROJECT

TYPE

Oliver’s Lane One 44 Panorama Station Panorama Woods Park Avenue West Park Place Village Quattro 3 Redwood Rockwoods, The Silverwood Teo Verve The Walks University District Wave Wynd Zen CLOVERDALE Clayton Heights The Grove MacKenzie Estates One92 Salix South Creek Uptown Clayton Village

SF TH TH TH HR TH LR TH TH TH TH LR TH HR HR HR TH TH/DU TH TH LR/TH LR SF TH

VANCOUVER & AREA DOWNTOWN 999 Seymour HR Addition HR Burrard Gateway HR Eventide LR Fairmont Pacific Rim Estates HR Fairmont Pacific Rim Estates HR Keefer 188 LR Keefer Block LR Mark, The HR Modern HR One Pacific HR Pacific Pt HR Private Residences at Hotel Georgia, The HR Sapphire, The HR Tate Downtown HR Vancouver House HR EAST SIDE 238 W Broadway LR Bohème LR Brock East LR Charm LR Cordovan LR Focal LR The Independent at Main Gem, The LR Grandview Cascades TH Jade LR Kensington Gardens LR Killarney Ridge RH/DP Killarney Ridge SF Laureates, The Local LR LR Main Street Marquee on the Drive LR Mercer by Cressey LR Oxford, The LR Oxford LR Rhythm MR Shine MR Skyway HR Triumph TH View 388 LR The Heatley at Strathcona Village MR Vya MR Wall Centre Central Park HR Woodshire TH Wohlstein MR Penthouse (PH)

C O N TA C T

PRICE

PROJECT

604-543-3868 604-503-6402 604-372-2275 778-593-9954 604-583-9866 604-617-7763 604-581-8000 604-503-6929 604-503-1188 silverwoodliving.com 604-288-8981 604-588-3783 604-440-8070 604-588-5795 604-951-9283 604-951-9283 604-355-0166

From $489,900 From $298,500 From $299,800 From $314,900 From $250’s From $359,000 From $159,900 Call for Info From Low $300’s From Low $300’s From Low $300’s From $160’s Call From $221,900 Call From $199,900 Call

604-723-4497 604-533-6968 604-538-2125 604-576-1772 604-530-0054 604.372.0388 778-574-0146

From $549,900 Starting From $269,900 From $349,900 From $199,900 From $241,900 Call From $329,900

604-879-9996 604-338-5233 burrardgateway.ca 604-783-1044 604-781-4303 604-620-6692 604-620-2018 604-682-8813 604-687-4353 604-879-2010 604-899-8800 604-685-0855 604-682-8107 604-876-9222 604-568-8283 604-893-8958

From $327,400 Call Coming Soon Coming Soon Call From $349,900 From $239,900 From $269,900 Call From $465,900 From $300’s From $349,900 Call From $685,000 From $268,000 Call

238westbroadway.ca Call 604-569-3388 From $227,900 604-715-6060 Starting at $299,900 604-330-8838 From $266,900 cordovan.ca Coming Soon 604-563-6777 Coming Soon independentatmain.ca Coming Soon liveatthegem.com Coming Soon grandviewcascades.com Coming Soon 604-338-5233 Call 604-620-7886 Call 604-961-2861 Coming Soon Killarneyridge.ca Coming Soon 604-221-4450 Now Previewing 604-688-5527 From $349,900 604-877-1116 From $339,900 604-559-2011 $329,900 604-879-6400 Call 604-779-0091 Starting at $239,900 604-779-0091 Call 603-437-5315 From $389,900 604-261-3936 Call 604-436-1100 Call 604-563-6200 Call 604-330-8838 From $219,900 604-683-0900 From $199,900 604-559-1070 From $239,999 604-874-9232 From $299,900 604-719-1700 From $420,900 604-558-0899 From $240,000

Live Work (LW)

City Home (CH)

High Rise (HR)

TYPE

WEST SIDE 41West 5555 Dunbar W10th & Maple Alder Crossing Aperture Arbutus Ridge Bennington House Binning Tower Block 100 Cambie & 7th Cambie Star Cambria Canvas Central Citti Elizabeth Empire at QE Park Granville at 70th Kerrisdale Gardens Kits360 Lido Livingstone House MC2 Meccanica Midtown Northwest Oak One, The Opsal Parc Elise Pinnacle Living at False Creek Pinnacle Living Broadway Prodigy Q16 Radius Sail Shannon Wall Centre Kerrisdale Sixth & Steel Sixth and Willow The Laureates Tisdale Tower Green at West Village on False Creek, The Vya WEST VANCOUVER 23rd and Bellevue Evelyn Kerrisdale by Cressey WHITE ROCK / SOUTH SURREY Adagio Avra Belcroft, The Beverley Blu Breeze Elevate at the Hamptons Elgin House Essence at the Hamptons The Estates at Morgan Heights Gemini George Grandview Heights Headwaters Heights, The Hycroft Rowhouses Hyde Park Jacobsen Morgan Rise Newport at West Beach On The Course Promenade Royce Sakura Saltaire Sausalito Southbrooke South Point Walk The Village at Southwood Winter Street Woods

Mid Rise (MR)

Low Rise (LR)

Loft (LO)

C O N TA C T

MR LR MR/TH TH/Studios LR/TH MR TH HR HR HR/TH MR LR MR HR MR LR LR HR MR LR HR LH/TH HR MR LR HR TH MR/HR HR MR/TH MR MR MR TH LR MR LR TH TH HR TH HR MR LR HR LR LR LR HR TH MR TH TH DU LR TH SF LR TH TH LR TH/LR TH TH TH SF LR TH LR LR TH LR MR SF LR/TH SF LR TH Duplex (DP)

PRICE

41westliving.com 604-568-7551 604-239-2080 604-600-5405 778-616-7008 604-738-0001 604-538-1907 604-646-1111 604-682-8801 604-568-5060 cambiestar.com 604-325-2216 604-875-8508 604-662-3373 604-880-6880 604-687-8800 604-568-5060 604-687-2298 604-559-9848 604-737-0360 604-872-2672 livingstonehouse.ca 604-638-9998 604-876-8819 604-563-3330 604-325-5151 604-418-6809 604-874-8368 604-876-7332 604-336-6380 604-874-8368 604-739-2080 604-221-8878 604-263-8090 604-731-5522 604-221-8878 604-267-8882 sixthandwillow.com 604-336-2800 604-221-4450 778-846-5990 604-707-9378 604-733-2010 604-559-1070

Coming Soon From $349,900 From $429,900 From $290,000 From $$450 Call Coming Soon From $499,900 Call Call Coming Soon Call Call Call Call Coming Soon Call Call From $540,900 From $379,900 From $513,900 Coming Soon Call From $349,900 Call Call Starting at $749,800 From $349,900 Call From $290,900 From $369,900 From $399,900 From high $300s Call Call Call Call Coming Soon Call Call Call Call From $414,500 From $239,999

cressey.com 604-922-0330 cressey.com

Coming Soon Call Coming Soon

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Row Home (RH)

www.macmarketingsolutions.com We sell the homes you want to buy. /MacMarketingSolutions 74 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

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