gta new condo guide, nov 22, 2014

Kid friendly amenity. Register your interest at menkes.com

INSIDE THIS ISSUE

REAL ESTATE IN 2015: GET IN WHILE YOU CAN!

Nov 22 - Dec 6, 2014 Volume 18 Issue 22

10 THINGS A MOVER WONT DO

TOP TIPS FOR THE NEW CONDO BUYER

Redefining life on the waters edge.Tridel, Tridel Built for Life are registered trademarks of Tridel and used under license. Tridel 2014. All rights reserved. E.&O.E. November 2014. tridel.com

Standing room only.

6.875" x 10.5" OGF

DOCKING SOON

TRI 25284 Condo Guide AV GF (IFC) + IT OBC Nov 14.indd 1 2014-11-12 4:58 PM

Designer Living in Yorkville.

$20,000receive up to

furniture package*

*LIMITED TIME ONLY. OCCUPANCY DATE SUBJECT TO AVAILABILITY. PRICES, SPECIFICATIONS AND OFFERINGS ARE SUBJECT TO CHANGE WITHOUT NOTICE. SEE SALES REPRESENTATIVE FOR DETAILS. E. & O.E.

ILLUSTRATIONS ARE ARTISTS CONCEPT ONLY.

FOLLOW US: @CAMROST CAMROST FELCORP

camrost.com

MOVE IN THIS FALL

YORKVILLEPLAZA.COM/CG | 416.966.3003

BROKERS PROTECTED

LIVE AT YORKVILLES BEST LOCATION!BOOK YOUR PRIVATE APPOINTMENT TODAY

Tour 2 fully furnished designer model suites and experience living in the heart of Yorkville, Canadas most exclusive district mere steps to the finest luxury shopping, dining and culture.

YOPL 36627 Condo Guide v1.indd 1 20/10/14 12:49 PM

EDITORS NOTE

YOU GET WHAT YOU PAY FOR

LYDIA MCNUTTEDITOR

Wall2Wall [email protected]

Follow me on Twitter at Twitter.com/LydiasTweets

SUSAN LEGGEEDITOR-IN-CHIEF

Wall2Wall [email protected]

Follow me on Twitter at Twitter.com/SusanLegge

Like us on Facebook Search: Condo Guide

Whether youre a first-time homebuyer of youve done this before, the process of purchasing and moving can be hectic, exciting and certainly stressful. But, relax. You can eliminate the anxiety associated with changing homes by taking control of the situation with confidence.

Understanding the market is just part of the story. Knowing what you need and what you can afford is the more important part of the equation. Making a prudent purchasing decision that doesnt keep you up at night when interest rates rise or market news becomes the talk of the town is up to you.

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

Along with our Condo Profile features, which outline the specifics on the up-and-coming condo communities to watch out for, theres lots to take in. So kick back, relax and enjoy. Youre in the drivers seat.

RELAX, YOURE IN CHANGE

Inexperienced homebuyers are often caught off guard by the concept of condo fees. You mean, I have to make this payment every month, in addition to my mortgage payment? They ask this question without really considering what they are getting for their money. The real question to ask would be, why are you choosing the condo lifestyle?

A big draw to condominium living is the built-in luxury it offers. The lock-and-leave lifestyle lets you travel on a whim with no worries about security, snow shovelling and the like. Your home may also come equipped with amenities like a pool, a gym, a rooftop patio, a theatre and games room, a party room with catering kitchen the list is long and it is luxe.

Yes, you pay a monthly fee, but what would it cost to add all these incredible amenities to a lowrise home, not to mention maintaining them?

All of these wonderful extras contribute to the attractive condo lifestyle while you live there, and should you ever choose to sell, they will add to your bottom line as well.

Consider your condo an investment, and those monthly fees ensure that all the elements which attracted you to condominium living in the first place remain in good shape and desirable for years to come.

Blue Diamond at Imperial Plaza, a new elegant tower in the dazzling Forest Hill neighbourhood, brings new intensity to condominium luxury. Sublime amenities, superlative fi nishes and Torontos most radiant views. Experience the brilliance.

COMING SOON, BRILLIANT LIVING AT AVENUE & ST. CLAIR FROM THE $300S

DIAMONDS ARE FOREVER JUST LIKE OUR VIEWS

REGISTER NOW BLUEDIAMONDCONDOS.CA

FOLLOW US:

@CAMROST CAMROST FELCORP

PRICES AND SPECIFICATIONS SUBJECT TO CHANGE. E.&O.E. BROKERS PROTECTED

DEER 37242 Condo Guide AD.indd 1 2014-11-18 10:43 AM

LEGALLY SPEAKING Jayson SchwarzJayson Schwarz LL.M is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit the website at schwarzlaw.ca or email [email protected].

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

DESIGNER ADVICE Yanic SimardYanic Simard is New Condo Guides design editor, principal designer of the award-winning Toronto Interior Design Group (tidg.ca), and regular guest expert on Citys Cityline. Check out Yanics accessory line, Yanic Simard Selected, online at ysselected.com

CONDO PRO Barbara LawlorBarbara Lawlor is president and CEO of Baker Real Estate Inc., and an in-demand columnist and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sale of condominium developments in the GTA and overseas.

PRESIDENT, WALL2WALL MEDIA Jacqueline HillEDITOR-IN-CHIEF / DIRECTOR OF CONTENT Susan LeggeDIRECTOR OF SALES, NATIONAL Josh HeppnerASSOCIATE PUBLISHER SWO NEW HOMES Susan Maxwell ART DIRECTOR Daiana GarayEDITOR Lydia McNuttCONTRIBUTING EDITORS Sara Duck Wayne Karl Elisa KrovblitDESIGN EDITOR Yanic Simard

SALES MANAGER Conni RobinsonSENIOR ACCOUNT EXECUTIVE Dionne Fraser [email protected] ACCOUNT EXECUTIVE Nina Downs [email protected]

SALES & MARKETING CO-ORDINATOR Terry BassettADMINISTRATIVE ASSISTANT Antoinette Jackson

PRODUCTION MANAGER Bala GnanapandithanPRODUCTION CO-ORDINATOR Sandra Hanak-VujnovicGRAPHIC DESIGNERS Viosa Barileva, Miguel Cea, Hannah Yarkony Sandra Hanak-Vujnovic, Mike Terentiev #500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867

ADVERTISING Call 416.626.4200 for advertising rates and information. CIRCULATION Free distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices. COPYRIGHT 2014 All rights reserved by Wall2Wall Media. Reproduction in any form is prohibited. Contents of this publication are covered by copyright and offenders will be prosecuted under the law. TERMS Advertisers, editorial content and new condo guide are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. EDITORIAL submissions from interested parties will be considered. Email to [email protected]. The views and data expressed by columnists do not necessarily represent those of the publication.

CONTRIBUTORS NEW CONDO GUIDE

Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

Published By

INVESTOR ADVICE Andrew la FleurAndrew la Fleur is an award-winning realtor with Re/Max. Andrews expertise is in helping investors make money in the Toronto condo market. Visit TrueCondos.com/NewCondoGuide for a free gift. Contact Andrew at 416.371.2333 or [email protected]

STAT CHAT Ben Myers Ben Myers is senior vice-president of Market Research and Analytics at Fortress Real Developments. Ben assists in evaluating the market and projects that Fortress engages in. Follow his blog and commentary on the Canadian housing market at fortressrealdevelopments.com/news or follow him on Twitter at @BenMyers29

MONEY MATTERS Gail Vaz-Oxlade Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and you can read her daily blogs at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade

INDUSTRY INSIDER David HirshDavid Hirsh is president and CEO of Brandy Lane Corp. David prides himself on his creative hands-on approach to all stages of the development and building process. The companys newest communities are Wyldewood Cove in Collingwood, and coming soon, The Davies, at Avenue Road and Cottingham. Visit BrandyLaneHomes.com.

QUICK TIPS Hellen ButtigiegHellen Buttigieg is a certified professional organizer, life coach, TV host and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-book on how to find more time, energy and inner peace. Contact Hellen at 905.829.2219 or [email protected]

@BazisInc

BAZI-NO1-A-AD-CG-OCT16-1.indd 1 14-10-16 4:00 PM

NOV 22 - DEC 6, 2014 NEW CONDO GUIDE 5

*PRICES, SIZES AND SPECIFICATIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. RENDERING IS ARTISTS CONCEPT. EXCLUSIVE LISTING BROKERAGE TFN REALTY INC. BROKERS PROTECTED E.&O.E.

NEW RELEASE OF UNOBSTRUCTED WATER-FACING VISTAS AND OVERSIZED TERRACE SUITES

Where the city meets the waterfront and fantasy meets reality, an extraordinary vision of lakefront luxury takes shape. Eau Du Soleil Condominiums, Torontos ultimate waterfront address, with endless city and lake vistas, luxurious suite designs and inspired resort-style amenities.

OWN A PIECE OF TORONTOS WATERFRONT

LUXURY WATERFRONT LIVING FROM THE MID $300s*VISIT THE PRESENTATION GALLERY AND MODEL SUITES AT 2183 LAKE SHORE BLVD. WEST, TORONTO

MON-FRI: 12PM-6PM SAT, SUN AND HOLIDAYS : 12PM-5PM

NOW PREVIEWING. REGISTER TODAY!

EAUDUSOLEILCONDOS.COM416.503.3328

EAU2 37160 Condo Guide DPS.indd 1 18/11/14 12:14 PM

MOVE INTHIS WINTER!

SUITES FROM THE MID $200S

*See a sales representative for full details. Limited time only. Exclusive listing brokerage, Circle M Realty Corporation, Brokers Protected. Illustration is artists concept. Prices and specifi cations are subject to change without notice. E & O.E.

PEMBERTONGROUP.COM 416.239.8200

SALES CENTRE: 9 Michael Power Place HOURS: Mon Thurs 12 7pm, Sat & Sun 12 6pm Fri Closed

KIPL

ING

AV

E.

BLOOR ST. W.

MICHAEL POWERPLACE

ISLIN

GTO

N A

VE.

DUND

AS ST

. W.

SALES CENTRE

BUY WITH JUST 10% DOWN AND RECEIVE UP TO $17,500 OFF PURCHASE PRICEFREE PARKING & LOCKER INCLUDED

Urban Condos at Bloor & Islington Steps to the Subway, Shopping, Dining & More.

LIMITED TIME INCENTIVES!*

VIVI 36504 Condo Guide Ad.indd 1 2014-10-15 11:25 AM

8 NEW CONDO GUIDE NOV 22 - DEC 6, 2014

DOVE 36859 Condo Guide Ad.indd 1 2014-10-31 10:19 AM

// BY BRYAN TUCKEY BILD REPORT

Bryan Tuckey is president and CEO of the Building Industry and Land Development

Association and a land-use planner who has worked for municipal, regional and

provincial governments. Follow him on Twitter @bildpres or follow BILD @bildgta, facebook.com/bildgta,

and bildblogs.ca.

Building great cities

SINCE 1921

As city builders, BILD members have devoted countless time and resources to building quality, complete communities across the GTA for the past 93 years.

Whether you are walking down the street in Toronto, cycling up the road in Vaughan or having brunch in a trendy new caf in Mississauga, there is a very good chance that a member of our association has played a role in bringing that community to life.

Our industry builds more than just homes. We build communities that include offices, malls, community centres, parks and more.

Some of these communities are the product of collaboration by

industry, government and consumers working together, which is why its so important that we all work together as partners in city building.

One of the first examples that comes to mind is the revitalization of Regent Park by The Daniels Corporation. In 2006, the first shovel hit the ground and began bringing new life into the aging neighbourhood with a unique, new approach in partnership with Toronto Community Housing Corp.

With more than 10 years still left until all the work is done, you can already see just how much the neighbourhood has changed.

Another great example can be found in the 35 acres of Torontos West Don Lands that will soon be home to 10,000 athletes from 41 countries at the 2015 Pan Am/Parapan Am Games.

The Canary District will start off as the Athletes Village before being converted into a sustainable, mixed-use, master-planned community in 2016.

By then, approximately 2,000 people will live in the transformed village, which will feature residential and retail components, as well as a student residence for nearby George Brown College and the Cooper Koo Family YMCA.

Venture just north of the city and youll find yourself at World on Yonge in Markham. Created by Liberty Development, this complete community features office towers, condominiums, a hotel and retail space with a 40,000-sq.-ft. grocery store. Theres even two acres of public parkland on site.

Out of its total 1.6 million sq. ft., approximately 500,000 of that is non-residential, hosting more than 1,000 people and jobs per hectare.

None of these projects would be built today if it were not for the industry working together with its government partners. This is why its so important to use our voices when we have the chance, as in the recent election on Oct. 27, to choose the candidate we feel has a vision for city building.

Lets work together to build a greater GTA.


WHERE EAST MEETS WEST

Where inspired tradition meets modern style. Where the energy of the city calls. And the feeling of serenity welcomes you home. This is living in perfect harmony. This is the way of TeaHouse.

COMING SOON. ASIAN INSpIred CITy lIvING AT 501 yONGe.

exclusive listing Broker Milborne real estate Inc. Brokers protected. Marketing Management by Anne lambrou living visions Inc. prices and specifications subject to change without notice. Illustrations are artists concept. e.&O.e.

reGISTer NOW

TeAHOuSeCONdOS.COM 416.861.1111

501Y 37086 Condo Guide.indd 1 2014-11-10 10:32 AM

TABLE OF CONTENTS

Nov 22 Dec 6, 2014 VOLUME 18 ISSUE 22

20

002 EDITORS NOTE

COLUMNISTS

010 BILD REPORT Building great cities since 1921 BY BRYAN TUCKEY

016 HOME SWEET HOME The mega trend of micro condos BY LYDIA MCNUTT

026 CONDO PRO Essential tips for the new condo buyer BY BARBARA LAWLOR

028 LEGALLY SPEAKING Title insurance: What is it, and why do you need it? BY JAYSON SCHWARZ

034 STAT CHAT A warning about the 2015 housing market BY BEN MYERS

038 MORTGAGE ADVICE A good reason to not overpay for your home BY ALYSSA RICHARD

044 QUICK TIPS Overjoyed, not overwhelmed BY HELLEN BUTTIGIEG

052 FUNDAMENTALLY SPEAKING Interest rate hike unlikely in 2015: BMO BY WAYNE KARL

056 TAXING ISSUES Assignment agreements BY HENRY CHOO CHONG

058 INDUSTRY INSIDER Essentials that add value to your home BY DAVID HIRSH

068 MONEY MATTERS Holiday shopping without the hangover BY GAIL VAZ-OXLADE

080 MAKE YOUR MOVE 10 things your mover wont do BY CHUCK RESNICK

082 DESIGNER ADVICE Neutral territory BY YANIC SIMARD

110 INVESTOR ADVICE The logic behind pre-construction pricing BY ANDREW LA FLEUR

IN THE NEWS

014 THE DANIELS CORP. Lorraine Segato, Regent Parks Artist-in-Residence, launches Legacy Salon Series

022 CMHC REPORT Toronto housing starts trending lower in October

042 NEIGHBOURHOOD NEWS East versus west: Which side rules? BY SONIA BELL

048 REPORT 17 per cent of first-time homebuyers down payment comes from family: CAAMP

064 URBAN CAPITAL/MALIBU Smart House: The success of micro condo living

COLUMNS, NEWS &

FEATURES

THE EGLINTON: Menkes launches

newest condo at Yonge & Eg

060

CONDO PROFILES

040 THE DANIELS CORPORATION Daniels Erin Mills Daniels does it again in Mississauga!

050 SORBARA DEVELOPMENT GROUP Beacon Theres no limit on luxury at Beacon in North York

050

040

094 HOUSING MARKET Canadian home sales edge higher in October

HOMEBUYERS HELP

032 HOT DATES GTA events to check out

033 MARKETPLACE Back to black BY SARA DUCK

060 INTERIOR INSPIRATION Mix master: Q&A with Betsy Burnham BY SARA DUCK

074 YOUR HOME How to make a hot sale in a cool market BY YAN GUREVICH

088 CONDO WATCH 416 Previews, new releases and grand openings in the 416

SPECIAL FEATURES

066 BUILDER PROFILE 10 minutes with Cityzens Sam Crignano

090 SWEETEST SUITES Opal model suite a lifestyle gem at Emerald City

066

090

098 #TRENDING Mad for plaid BY SARA DUCK

108 CONDO WATCH 905 Previews, new releases and grand openings in the 905

112 CONDO HUNTERS CHECKLIST

115 CHANGING YOUR ADDRESS

121 CONDO BUYERS RESOURCE SECTION

126 ADVERTISER INDEX

IN THE NEWS

Lorraine Segato, REGENT PARKS ARTIST-

IN-RESIDENCE, LAUNCHES LEGACY SALON SERIES:

Spirited Conversations with Cultural Guardians

THE ART OF CONVERSATION IS EXPERIENCING A RENAISSANCE in Regent Park. As part of the communitys ongoing rejuvenation, Lorraine Segato, Regent Parks Artist-In-Residence, is launching The Legacy Salon Series: Spirited Conversations with Cultural Guardians, sponsored by The Daniels Corporation.

The series, conducted in a traditional salon style, will feature dialogues with some of Canadas leading artistic and cultural icons, including singers Molly Johnson and Jackie Richardson, before a live audience. All upcoming speakers are noted for their engagement in communities, issues and philanthropic associations, which feed and fuel their work.

Interviews will be underscored by thought-provoking questions that allow these prominent Canadians to reflect on their challenges, triumphs and experiences, and how these helped shape their personal and professional journeys. Audience members will be invited to ask questions at the end of these candid conversations. The purpose of the questions is to inspire and invoke the art of conversation.

Sun., Nov. 23 at the Paintbox Bistro in Regent Park is the first event that sees Segato in conversation with Garvia Bailey, the new host of the JAZZ.FM91 morning show. Bailey, a veteran CBC journalist and producer, has a depth of experience and wisdom to impart in the reflection of her storied career. Her significant contribution in heralding and upholding Torontos ever-changing multi-flavoured cultural and social landscape is notable.

The Legacy Salon series promises to be a dynamic forum for highlighting the exciting and untold stories of prominent members of Canadas cultural community, says singer and social justice activist Segato, co-founder and lead singer of iconic polyrhythmic 80s pop band, The Parachute Club. I believe that these conversations are a passionate way to dig deep and engage the cultural spirit of Toronto and the Regent Park community. I thought Garvia Bailey would be a great person to inaugurate into the salon because shes seen and been a part of so many cultural events in her years as a broadcaster and journalist. I thought it would be fun to turn the tables and have the interviewer being interviewed by the artist.

Segato is currently serving a two-year term as Regent Parks first honorary Artist-In-Residence. Part of her mandate involves finding new ways to enrich, celebrate and draw attention to the developing area, while

curating cultural activities and events that further the envisioning of an international-caliber artist residency program. The program, one of the most innovative of its kind in Canada, is designed to foster artistic expression across the city and was developed as part of the communitys new cultural program. The Artist-In-Residence initiative is sponsored by The Daniels Corporation, the private-sector developer behind Regent Parks revitalization.

The inaugural Legacy Salon event featuring Garvia Bailey is taking place on Sun., Nov. 23 at the Paintbox Bistro in Regent Park (555 Dundas St. East, Toronto). Doors open at 3 p.m., conversation and Q&A session begins at 3:30 p.m. with a reception following. Tickets are $15.

Visit thelegacysalon.com to order tickets and reserve your spot.

The Legacy Salon Series is the first in a number of cultural events that are scheduled for 2015 in Regent Park, including the upcoming Wild Women (Dont get the Blues) Cabaret Series.

Media sponsor for this series is JAZZ.FM91

For more info about the Regent Park Artist-in-Residence program, visit lorrainesegato.com/dair.


*The First Home Boost Program is not available on the townhomes and is only available on a limited number of suites. **Parking and locker incentive are only available on a select number of home types. Conditions apply. Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artists concepts. Prices and specifications are subject to change without notice. E.&O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited.

spacious bedrooms

beautifully designed living rooms

designer kitchens

LIMITED

TIME OFFER!**

Parking & Locker

for only

$12,900

Actual Model Photography

VISIT ONE &YOUR SEARCH IS DONE

Located in the heart of Torontos fastest growing neighbourhood One Park Place South Tower is the newest addition to the internationally recognized Regent Park revitalization. Learn how you can buy with 5% down and take advantage of Daniels First Home BOOST* boosting your downpayment from 5% to 15% interest and payment free!

Call or visit us today! 416.955.0559danielsoneparkplace.com

One Park Place Presentation Centre500 Dundas St EastMon/Tues/Thurs: 12-6pm Wed: 12-8pmSat/Sun: 12-5pm Fri: Closed

Suites from the mid $200,000s Towns from the mid $500,000s

*The First Home Boost Program is not available on the townhomes and is only available on a limited number of suites. **Parking and locker incentive are only available on a select number of home types. Conditions apply. Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artists concepts. Prices and specifications are subject to change without notice. E.&O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited.

spacious bedrooms

beautifully designed living rooms

designer kitchens

LIMITED

TIME OFFER!**

Parking & Locker

for only

$12,900

Actual Model Photography

VISIT ONE &YOUR SEARCH IS DONE

Located in the heart of Torontos fastest growing neighbourhood One Park Place South Tower is the newest addition to the internationally recognized Regent Park revitalization. Learn how you can buy with 5% down and take advantage of Daniels First Home BOOST* boosting your downpayment from 5% to 15% interest and payment free!

Call or visit us today! 416.955.0559danielsoneparkplace.com

One Park Place Presentation Centre500 Dundas St EastMon/Tues/Thurs: 12-6pm Wed: 12-8pmSat/Sun: 12-5pm Fri: Closed

Suites from the mid $200,000s Towns from the mid $500,000s

HOME SWEET HOME // BY LYDIA MCNUTT

Lydia McNutt is an award-winning writer and editor of New Condo Guide.

Lydias love of architecture, interior design and the written word have landed her happily at home at Wall2Wall Media,

where real estate rules. Email [email protected],

and follow her on Twitter @LydiasTweets

THE MEGA MICRO-CONDO TREND

Theres a big trend in home design, and its small very small. Micro condos have long been popular in densely populated urban hotspots like New York, London and Tokyo, but the tiny abodes are just starting to break ground in Toronto literally.

I recently attended the ground-breaking ceremony at Smart House, Torontos first micro condo developed by Urban Capital and Malibu (to read more, flip to page 64), at University Avenue and Queen Street. Starting from 288 sq. ft., these small but sweet homes have everything you need to enjoy a comfortable and convenient urban lifestyle, and a smart place to put your money, according to condo investment expert Andrew la Fleur.

Condos measuring 500 sq. ft. and less have become a growing trend since the introduction of the Harmonized Sales Tax in 2010, in an effort by condo developers to keep the price tag under the $450,000 threshold, la Fleur says.

Also contributing to the rising popularity of compact condos, developers (who are typically required to pre-sell 70 per cent of their units in order to qualify for financing on the project), are keeping suites small and prices low to attract investors and get the shovels in the ground that much faster.

But new trends bring new fears. For condo buyers considering a micro condo, Some lenders have minimum size requirements on condos they will finance, says la Fleur. Most likely their reasoning is because there are very few units under 400 sq. ft. that are actually in existence today, so they have no comparables to see what the units are worth on the resale market, and therefore they see them as risky.

You can expect that to change dramatically in the coming year, as la Fleur references the 2,800 new micro units measuring less than 500 sq. ft. that are coming on-stream just in the next 12 months alone.

Banks will have to change with the times, or they will lose huge market share to their competitors.

According to la Fleur, who is not only in the business of selling condos to investors, but also owns four small studios as investments, these tiny abodes in good downtown locations are one of the safest investments you can make. Why? They are the easiest to rent out; they provide the best cash flow; they have the best price-to-rent ratio; and they have the lowest vacancy rate.

The long and short of it? Dont believe the hype, la Fleur says. Studios are amazing investments and anyone who tells you they are not is most likely speaking from a suburban bias.

Some lenders have minimum size

requirements on condos they will

finance. Most likely their reasoning is

because there are very few units under

400 sq. ft. that are actually in existence today, so they have no comparables to see what the units are worth on the

resale market, and therefore they see

them as risky.016 NEW CONDO GUIDE NOV 22 - DEC 6, 2014

MONARCH COMMUNITIES

SALES CENTRE HOURS: Mon.- Thurs. 12pm - 6pm, Weekend & Holidays 12pm - 5pm, Closed Fridays

ETOBICOKE WATERFRONT | Lago | Under Construction from the $200,000s Sales Centre located at 2167 Lake Shore Blvd. W.416-495-3544

ETOBICOKE WATERFRONT | Waterscapes | Move-in this Yearfrom the $400,000s Sales Centre located at 2167 Lake Shore Blvd. W.416-495-3544

ETOBICOKE WATERFRONT | Riva Del Lago | Now Open from the $300,000sSales Centre located at 2167 Lake Shore Blvd. W.416-495-3544

Prices, specifications and promotions are subject to change without notice. E.&O.E. 13455

MARKHAM | Garden Court | Move-in this Year from the $400,000s Appointment Only416-495-3595

DOWNTOWN TORONTO | Picasso | Under Construction from the $400,000s Appointment Only416-495-3549

ALSO BUILDING LOW RISE COMMUNITIES IN:Kleinburg | Caledon | Ajax | Scarborough | Kitchener

first. first.

firstpick.Like your morning trip to the local market for first pick of fresh produce, Monarch too has been a tradition to many since 1917. For thousands and thousands of Canadians, choosing Monarch has been central to so many important events in their lives. First homes, first memories, first accomplishments, first friends and even first loves. For almost a century, Monarch has brought people closer together. So if youre looking for a new condominium, trust the oldest, strongest and most respected name in Canadian homebuilding. Choose Monarch. First.

discover moreMonarchGroup.net


*Prices, specifi cations and promotions are subject to change without notice. Rendering is artists concept and image is for mood and impression only. E.&O.E.

MonarchGroup.net

CONDO GATEFOLD INSERT BACK

first.

Go on vacation every time you come home

SALES CENTRE HOURS: Mon.-Thurs. 12pm-6pm.Weekends & Holidays: 12pm-5pm.Closed Fridays

Move-In This Year | Prices from the $400,000s*

Under Construction | Prices from the $200,000s*

Now Open | Prices from the $300,000s*

ASK ABOUT OUR FANTASTIC INCENTIVES AND VISIT THE SALES CENTRE TODAY!

GARDINER EXPRESSWAY

Lake Shore Blvd. W

Marine Parade Dr.

Par

k La

wn

Rd

.

SalesCentre

Lake Ontario

SALES CENTRE 2167 Lake Shore Blvd. W. 416-495-3544

Move-in this Year!


Monarch o ers three landmark condominiums on the sought-after Humber Bay Shores waterfront. Impressive lobbies. Water views. Concierge services. Luxury amenities. Lounges and rooftop terraces. Nearby bars and restaurants. For resort lifestyle, Monarch has the waterfront covered. Choose Monarch fi rst.

Thats what owning Monarch on the waterfront is like.

Now

Regis

tered

!

MONARCH COMMUNITIES

SALES CENTRE HOURS: Mon.- Thurs. 12pm - 6pm, Weekend & Holidays 12pm - 5pm, Closed Fridays

ETOBICOKE WATERFRONT | Lago | Under Construction from the $200,000s Sales Centre located at 2167 Lake Shore Blvd. W.416-495-3544

ETOBICOKE WATERFRONT | Waterscapes | Move-in this Yearfrom the $400,000s Sales Centre located at 2167 Lake Shore Blvd. W.416-495-3544

ETOBICOKE WATERFRONT | Riva Del Lago | Now Open from the $300,000sSales Centre located at 2167 Lake Shore Blvd. W.416-495-3544

Prices, specifications and promotions are subject to change without notice. E.&O.E. 13455

MARKHAM | Garden Court | Move-in this Year from the $400,000s Appointment Only416-495-3595

DOWNTOWN TORONTO | Picasso | Under Construction from the $400,000s Appointment Only416-495-3549

ALSO BUILDING LOW RISE COMMUNITIES IN:Kleinburg | Caledon | Ajax | Scarborough | Kitchener

first. first.

firstpick.Like your morning trip to the local market for first pick of fresh produce, Monarch too has been a tradition to many since 1917. For thousands and thousands of Canadians, choosing Monarch has been central to so many important events in their lives. First homes, first memories, first accomplishments, first friends and even first loves. For almost a century, Monarch has brought people closer together. So if youre looking for a new condominium, trust the oldest, strongest and most respected name in Canadian homebuilding. Choose Monarch. First.



FOREVER

An ornate private residence of pure, geometric form inspired by nature at Bellair & Cumberland

COMING SOON: 24 KARAT LIVING

LUXURY CONDOS FROM THE LOW $400s* REGISTER TODAY MINTOYORKVILLEPARK.COM

*Prices and specifi cations are subject to change without notice. Rendering is artist concept. E.&O.E.

#24KARATLIVING @MINTOYORKVILLEPARK

94CU 37159 Condo Guide FP Ad_final.indd 1 2014-11-18 10:52 AM

VISIT OUR SALES CENTRE AND VIEW ALL SUITES PLUS 4 DECORATED MODEL SUITES MOVE IN AS EARLY AS 30 DAYS!

Exclusive Residences from the $500s to over $1.7 million

*Deposit structure: $5000 with the offer, balance to 5% in 30 days, balance on closing. *Please speak to Sales Representative for full details. Exclusive Listing Broker Milborne Real Estate Inc. Brokers Protected. Marketing Management by Anne Lambrou Living Visions Inc. Prices and specifi cations subject to change without notice. Promotions may be changed and/or cancelled at any time without notice. Illustrations are artists concept. E.&O.E.

SPECIAL SUITE OF THE MONTH PROMOTION CONTINUES

2 BEDROOM SOUTHAMPTON SUITE1137 SQ. FT.

*In addition to the current promotionGET AN EXTRA $10,000 OFF!

*ONLY 5% DEPOSIT

30 OLD MILL ROAD, TORONTOMONDAY - WEDNESDAY: 12PM - 6PM SATURDAY & SUNDAY: 12PM 5PM, THURSDAY, FRIDAY & HOLIDAYS: CLOSED

BLOOR STREET WEST

OLD MILL INN

SITE

JAN

E ST

REET

OLD

MIL

L D

RIV

E

OLD M

ILL RD.

BLOOR STREET WEST

OLD MILL INN

SITE

JAN

E ST

REET

OLD

MIL

L D

RIV

E

OLD M

ILL RD.

416 766-7343 www.riverhousecondos.ca

BUY BEFORE DEC.23RD & GET A FREE LOCKER!

FOR A LIMITED TIME RECEIVE

ALL SUITES

ONLY A FEW

$10,000 IN BONUS SAVINGS

4% CASH OFF

LUXURY SUITES LEFT

OLDM 36812 Resize Condo Guide.indd 1 29/10/14 4:43 PM


@BazisIncPrices and specifi cations are subject to change without notice. E. & O.E.

Presentation Offi ce located at 2300 Yonge Street, Lobby - 416.243.8688

Condominium Residences at Yonge and Eglinton

Direct subway access - Starting from the $360,000s

ECONDOS.CA

NOW UNDER CONSTRUCTIONNOW UNDER CONSTRUCTION

BAZI-ECO-A-AD-CONDOGUIDE-JULY23-1.indd 1 14-07-23 3:25 PM


COVER STORY

THE EGLINTON ARRIVES IN TORONTOS

NEW BEST NEIGHBOURHOODMenkes Developments launches The Eglinton,

the newest condo at Yonge and Eg

CITY WATCHERS WITH AN EYE FOR

all things urban have found that the best indicator for identifying the citys next best neighbourhood, is to follow the condo market.

Whether it was the redevelopment of Yonge/Bloor, the creation of condos in the formerly industrial neighbourhoods throughout King West and the Entertainment District, or the celebrated commercial and residential renaissance of the South Core District, Torontos best new neighbourhood designations all started with pioneering condo developers finding neighbourhoods with potential, and with buyers savvy enough to see the areas potential.

That trend continues today as media, politicians, city planners, and business leaders are all following the condo market to the citys latest neighbourhood of choice, known as Yonge and Eglinton.

Already a mecca for those seeking haute couture and haute cuisine, Yonge and Eg (as its known), is suddenly just simply hot and poised to get even hotter, with the recent launch of a new condominium development in the heart of the neighbourhood, from Menkes Developments, called The Eglinton.

Set in an area already boasting some of Torontos best entertainment venues, gourmet restaurants and casual bistros, chic boutiques, retail services, schools and corporate head offices, The Eglinton from Menkes offers condo purchasers a dynamic and distinctive new residential development in a burgeoning neighbourhood.

Set on the south side of Eglinton Avenue East, just blocks from the corner of Yonge and Eglinton, the


new soaring tower will stand 34 storeys tall, boasting a distinctive glass exterior designed by the award-winning firm of Giannone Petricone Associates.

The Eglinton will offer unsurpassed access to both the Yonge-University TTC subway line, as well as the Eglinton Crosstown LRT (now under construction), which makes getting anywhere in Toronto very convenient, according to Mimi Ng, vice-president of sales and marketing, Menkes residential. Whether youre going to work downtown, or catching a flight from Pearson, The Eglintons access to public transit makes commuting from home easy.

Although, given the lifestyle options of the neighbourhood, and the compelling amenities within The Eglinton, you may never want to leave, says Ng.

Designed by the celebrated team at Mike Niven Interior Design (MNID), amenities within The Eglinton include a state-of-the-art wireless lounge with private entertainment pods featuring wi-fi and high-definition screens; party room and separate dining area (served by a gourmet catering kitchen); a billiards room; theatre; fully equipped gym and yoga studio, and a dedicated kids room for young residents.

Upstairs, together with Menkes, MNID and Giannone Petricone have created efficient and highly liveable floor plans in a variety of layouts (from studios to two-bedroom suites). Suite sizes range from an intimate 359 sq. ft. to a spacious 871 sq. ft., and prices start in the mid-$200,000s.

Each residential suite boasts a litany of chic and contemporary features and finishes, including laminate flooring throughout, porcelain or ceramic

tile floors in the bathroom and in-suite laundry area (with stacked, Energy Star washer/dryer).

The spacious and well-appointed kitchens feature unique cabinetry (custom designed by MNID); quartz countertops with ceramic or porcelain backsplash; stainless steel under-mounted sinks with single lever faucets; and brand name appliances including an Energy Star paneled refrigerator, slide-in stainless steel range with glass cooktop, Energy Star dishwasher, microwave and exhaust fan.

The elegant master bedroom and ensuite boasts an MNID custom vanity with cultured marble top and integrated sink, a full-width mirror, deep soaker tub and white fixtures.

The gorgeous interior elements are matched only by the exterior landscape design, created by NAK Design Group. The Eglinton boasts a stunning landscaped outdoor terrace, featuring a sun deck, lounge seating, barbecue facilities and an outdoor dining area, all with spectacular views overlooking the homes of Forest Hill, north Toronto, or the office towers south to the lake.

With amazing design indoors and out, dynamic amenities and an ideal location, the launch of The Eglinton is highly anticipated and we have seen keen interest from buyers, says Ng. Clearly, as weve seen in the past, with hot neighbourhoods around the city, savvy buyers recognize the appeal of Yonge and Eglinton, but they truly value the neighbourhoods future. Thats what makes a new best neighbourhood.

For more information regarding The Eglinton, please register at menkes.com.


CMHC REPORT

HOUSING STARTS IN THE TORONTO

Census Metropolitan Area (CMA) trended lower at 27,895 units in October compared to 29,713 in September according to Canada Mortgage and Housing Corp. (CMHC). The trend is a six month moving average of the monthly seasonally adjusted annual rates (SAAR) of housing starts.

A stable economy continues to support housing demand, as evidenced by the fact that the number of lowrise starts has remained steady. Despite monthly variations, apartment starts increased in October following unusually low activity in September. However, the longer term trend points to a decline in highrise starts, says Dana Senagama, CMHCs Toronto senior market analyst. Fewer pre-construction condominium apartment sales between mid-2012 and mid-2013 continue to translate to lower starts during the second half of 2014.

CMHC uses the trend measure as a complement to the monthly SAAR of housing starts to account for considerable swings in monthly estimates and obtain a more complete picture of the state of the housing market. In some situations, analysing only SAAR data can be misleading in some markets, as they are largely driven by the multiples segment of the markets which can be quite variable from one month to the next.

The stand alone monthly SAAR was 25,611 units in October, up from 15,081 units in September. The increase was attributed to both lowrise and highrise starts.

The municipality of Brampton recorded the highest number of starts

TORONTO HOUSING STARTS trending lower in October

Toronto CMA1 September 2014 October 2014

Trend2 29,713 27,895SAAR 15,081 25,611

Actual October 2013 October 2014

October Single-detached 832 906October Multiples 3,227 1,365October Total 4,059 2,271January to October Single-detached 7,783 7,284January to October Multiples 19,787 17,256January to October Total 27,570 24,540

Source: CMHC1 Census Metropolitan Area2 The trend is a six-month moving average of the monthly seasonally adjusted annual

rates (SAAR).Detailed data available upon request

PRELIMINARY HOUSING STARTS DATA OCTOBER 2014

80

70

60

50

40

30

20

10

0

27.9

25.6

THOUSANDS

Housing starts, SAAR

Housing starts trend line (six-month moving average)

OCTOBER 2012 OCTOBER 2013 OCTOBER 2014

TORONTO CMA HOUSING STARTS

in October, which was followed by the City of Toronto and Markham. Strong single-detached and apartment construction led Brampton to the top this month.

As Canadas national housing agency, CMHC draws on more than 65 years of experience to help Canadians access a variety of quality, environmentally sustainable and affordable housing solutions. CMHC also provides reliable, impartial and up-to-date housing market reports, analysis and knowledge to assist consumers and the housing industry in making informed decisions. Follow CMHC on Twitter @CMHC_ca


MILBORNE REAL ESTATE INC.385 MADISON AVENUE, TORONTO, ON. M4V 2W7

PRESENTATION CENTRE373 KING STREET WEST SUITE 302, TORONTO, ON. M5V 1J6

SALES CENTRE HOURSMON. - WED. 12PM-6PMSAT. & SUN. 12PM-5PMOR BY APPOINTMENT

TELEPHONE: 416.546.7525 [email protected] THEBOND.CA

10% DEPOSIT2-BEDROOMS AND LARGER

FREE ASSIGNMENT & CAPPED LEVIES

$30,000 CASHBACK*

*SEE SALES REPRESENTATIVE FOR FULL DETAILS NOV 22 - DEC 6, 2014 NEW CONDO GUIDE 23

Urban Towns in Queen West. Coming 2015.

$500,000sSuites from 33 Bloor St. E

416.927.0080x2condos.com

Sales Centre

$560,000sSuites from

A NEW LANDMARK IS UNDERCONSTRUCTION.CANADASMOST

CONNECTED CORNER.

33 Bloor St. E416.922.0081

onebloor.com

Sales Centre



LIVEONTORONTOSNEWBLUEEDGE, THECITYSNEXTGREATWATERFRONT COMMUNITY.

291 Lakeshore Blvd E416.466.8885mondecondominiums.com

Sales Centre


FINALRELEASEOFSUITESAT DUNDAS AND JARvIS. NOW UNDER CONSTRUCTION

416.928.2223pacecondos.com

ByAppointment


LIVEATYONGEANDRICHMOND.CITY,TOWERANDLOMBARDSUITESAVAILABLE.

26 Lombard St.416.499.8883

yongeandrich.com

Sales Centre

Coming soon. Condos at King & Parliament. Coming 2015. For more information, register at greatgulf.com/comingsoon

UpTO$10,000OFFSELECTSUITES.MOVEINTHISYEAR!THECORNEROF

JARvIS AND ChARLES.

pHASE3FINALRELEASEONSALENOW.BOUTIqUECONDOLIVINGAT

WINSTONCHURCHILLANDEGLINTON.

Great Gulf. Live the Great Life.

By appointment only 905.828.4257


Urban Towns in Queen West. Coming 2015.

$500,000sSuites from 33 Bloor St. E

416.927.0080x2condos.com

Sales Centre


A NEW LANDMARK IS UNDERCONSTRUCTION.CANADASMOST

CONNECTED CORNER.

33 Bloor St. E416.922.0081

onebloor.com

Sales Centre



LIVEONTORONTOSNEWBLUEEDGE, THECITYSNEXTGREATWATERFRONT COMMUNITY.

291 Lakeshore Blvd E416.466.8885mondecondominiums.com

Sales Centre


FINALRELEASEOFSUITESAT DUNDAS AND JARvIS. NOW UNDER CONSTRUCTION

416.928.2223pacecondos.com

ByAppointment


LIVEATYONGEANDRICHMOND.CITY,TOWERANDLOMBARDSUITESAVAILABLE.

26 Lombard St.416.499.8883

yongeandrich.com

Sales Centre

Coming soon. Condos at King & Parliament. Coming 2015. For more information, register at greatgulf.com/comingsoon

UpTO$10,000OFFSELECTSUITES.MOVEINTHISYEAR!THECORNEROF

JARvIS AND ChARLES.

pHASE3FINALRELEASEONSALENOW.BOUTIqUECONDOLIVINGAT

WINSTONCHURCHILLANDEGLINTON.

Great Gulf. Live the Great Life.

By appointment only 905.828.4257


CONDO PRO // BY BARBARA LAWLOR

Shopping for a condo in the GTA? Great news your decision is a wise one. Todays condos are more beautiful and more efficient than ever before. To help you with this exciting life step, here a few tips:

PREPARE:

Get pre-qualified for a mortgage before you shop. This way, you can avoid falling in love with something you cannot afford. Know your budget. And guess what? You may be able to afford more than you think! First-time buyers, keep in mind that postponing your entry into home ownership may mean buying when mortgage interest rates have gone up, which they eventually will. Even a fraction of a percentage point now can mean a difference of many

thousands of dollars over the course of your amortization. Look for first-time homebuyer seminars, which can be a big help in teaching you what you need to know to make an informed decision. Consider location first. How long will your work commute be? Make the trek during rush hour before you buy. Can you walk to amenities and avoid using a vehicle for errands? Many of todays condos earn a Walk Score of 100! Look at suite designs carefully. Are you buying with a roommate? Do you need separate bedrooms? If so, check out designs in which the bedrooms are at opposite ends of the suite for added privacy.

VISIT SALES OFFICES:

Dont underestimate the power of seeing how a builders suites live by touring the models. In addition to helping you envision the real thing from floor plans, the models are full of wonderful design and dcor ideas that can help you make choices at your colour selection appointment. Developers and builders dedicate a lot of resources to creating sales offices and models that showcase the potential in the suites they are selling. You can pick up a lot of visual tips on decorating from prestigious designers whom you might not otherwise be able to hire as consultants. Use your sales office visit to gather as much information as possible. The Internet is a wonderful tool, but there is nothing like being able to speak one-on-one with a knowledgeable sales representative. How do the sales office and models look when it comes to quality? This is your first opportunity to see firsthand how well built you can expect your suite and building to be.

BE REALISTIC WHEN IT COMES TO YOUR STUFF

If youre moving into a condo from a large home, pare down your stuff and avoid cluttering up your gorgeous new space. A home organizer can help. Consider holding a yard sale, passing down family heirlooms to the younger generation, donating furniture and other items to charities and consignment shops, selling things on the Internet, giving things away, and when all else fails, throwing items that are past their prime in the trash. Use the floor plan of your new suite as a guideline. The room dimensions are on it. I have known people to cut out scale representations of their furnishings and place them on the floor plans to see whether they fit and how they might be arranged for optimum effect. If you are selling your larger home, remember that it will sell more quickly if it is neat and tidy without a lot of items piled in corners and on surfaces.

I hope these tips help. In the grand scheme of things, the best advice I can offer is to buy new and buy now!

Barbara Lawlor is president and CEO of Baker Real Estate Inc., and

an in-demand columnist and speaker. A member of the Baker

team since 1993, Barbara oversees the marketing and sale of

condominium developments in the GTA and overseas.

ESSENTIAL TIPS for the new condo buyer


WE SWEAT THE SMALL STUFF.

At Chaz Yorkville, we pay attention to the smallest details. Like building a plywood bracket behind the master

bedroom wall to install a flat screen TV. Elegant solid core entry doors to give you an impressive sense of arrival.

Illuminated light switches so you dont fumble in the dark. Stylish under valance lighting in the bathrooms.

Premium oak wood in the Sky Residences corridors. Lightning fast Rogers fiber optic cable. All this, plus a

great location just steps to world-class shopping, dining, culture and the subway. Spectacular Chaz Club in

the sky with panoramic views. The best in fitness, recreation and leisure. This is Yorkville living at its finest.

EXCLUSIVE BROKER BAKER REAL ESTATE INC. BROKERS PROTECTED. *SPEAK TO A SALES REPRESENTATIVE FOR MORE DETAILS. PRICES AND SPECIFICATIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ILLUSTRATIONS ARE ARTIST CONCEPT. E&O.E.

VISIT THE SALES CENTRE TODAY!CHAZYORKVILLE.COM | 416.922.0045

Dupont St.

Bloor St.

Wellesley St.

Bay St.

Church St.

Yong

e St.

45 Charles St. E.

Isabella St.

Avenue Rd.

Yorkville Ave.

Sales Centre

U of T

SPECIAL OFFERS

5% DEPOSIT* UP TO $35,000 CASHBACK* 2 YEAR LEASEBACK*FROM THE $300S I MOVE IN SPRING 2015

SALES CENTRE LOCATED AT 101 YORKVILLE AVE. SITE LOCATED AT 45 CHARLES ST. EAST MON. THURS. & SAT. SUN.: 12PM 6PM, FRI & STATUTORY HOLIDAYS: CLOSED

CHAR 36879 Condo Guide Ad V3.indd 1 10/11/14 9:50 AM


TITLE INSURANCE: WHAT AND WHY?

LEGALLY SPEAKING // BY JAYSON SCHWARZ

Title insurance is supposed to provide comprehensive insurance coverage for certain title-related risks associated with home buying such as zoning issues, claims of mental incapacity, lack of up-to-date survey and the legal services provided by your lawyer (such as title certification). It insures against such defects in title, which may occur from conflicting ownership claims, liens, undischarged mortgages, consents and the like. It will cover compliance and access issues such as work orders, permit violations, fences, boundaries, tenancies and rights of way. It is supposed to be in force so long as the purchaser or his heirs own the property. Title insurance will outlive the certification of your lawyer, whose insurance stops if he or she dies or ceases to practice law.

Okay, what if something is wrong and a prospective purchaser will not accept a new title insurance policy at no cost? The insurer will pay out in accordance with the policy, or will, if possible, repair the defect. Title insurance protects from vendors that wont re-adjust or misrepresent things such as the real estate taxes paid. In addition, lawyers insurance is time of incident related, which means in simple English that if your lawyer is dead, retired or stops practice and you make a claim after that, you are not covered.

Title insurance saves you money. Disbursements money paid to third parties for items such as building compliance letters, subdivision compliance letters and deed registration are lower. We estimate $200 to $300 on a deal after the cost of the policy.

Almost all of Ontario is now on an electronic registry system. Title insurance has become the norm and many of the transactions are done by computer communications. Make sure the lawyer you select has taken the title insurance courses, has gone to the seminars on Terranet, the electronic registry system, and can properly advise you. The Law Society passed a rule that every lawyer on a residential real estate deal must advise the client of title insurance, the different companies offering it, and how it works. Remember, a lawyer survives by repeat business and referrals, and a lawyers mandate from the Law Society is that the clients best interests must come first.

We have all read and heard about mortgage and title fraud, where unscrupulous people put fake mortgages on properties or sell houses they do not own. Title insurance indemnifies you against these occurrences.

To summarize, title insurance does four things better than lawyers insurance through Law Pro (the Law Societys insurance arm): gives better coverage as to the quality of your ownership than a

lawyers insurance; lasts forever when lawyers dont; saves $300 to $400 in disbursements; protects from mortgage and title fraud.

Every lawyer has an obligation to make you aware of your title insurance options, so you can choose which way you want to go. Think through your options carefully and choose wisely.

Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm

Schwarz Law LLP. Visit schwarzlaw.ca or email [email protected] and give us your questions, concerns,

critiques and quandaries.

Every lawyer has an obligation to make you aware of your title insurance options, so you can choose which way you want to go


* The HighPark program is only available on selected suites. Parking incentive only available on suites over 535 sq. ft. 5% deposit program available on a limited number of suites. Free maintenance is only available for one year. Limited time offer. Conditions apply. See Sales Representative for full details. Exclusive Listing: CityLife Realty Ltd, Brokerage. Brokers Protected. Prices, specifi cations and programs are subject to change without notice. Illustrations are artist concept. E. & O.E

The outstanding amenities, nearby shops and restaurants in Bloor West Village and, of course 399 acres of Torontos premier park put them together and youve got your dream home in Torontos most desirable neighbourhood. Simply do the math and learn why now its easier than ever to make HighPark Condominiums your new home.

Do the math & call

416.351.1844danielshighpark.com

A L R E A D Y U N D E R C O N S T R U C T I O N !

It all adds up to youat HighPark Condominiums.

Suites from

$299,900PRESENTATION CENTRE: 2150 Bloor St WestMon, Tues and Thurs: 12-6pm / Wed: 12-8pmSat, Sun and Holidays: 12-5pm / Fri: closed

SOPHISTICATEDFINISHES

DOG SPA HIGH PARK

INCREDIBLECASH BACK INCENTIVES*

ONLY 5%DOWN!*

FREE MAINTENANCE*FREE PARKING*FREE LOCKER*

+ +

+ + +

=


HOT DATES

HIGHLIGHTS

NOV/DEC 2014Calendar of events taking place from

November 22 December 6

NOV. 15

Ice Skating at Natrel Rink

NOV. 27 DEC. 7

One Of A Kind Christmas

Show & Sale

NOV. 29

Cavalcade of Lights

UNTIL NOV. 30

The Book of Mormon

Until Nov. 30 The Book of Mormon PRINCESS OF WALES THEATRE, 300 KING ST. W.Extended by popular demand, the Tony-Award winning smash musical The Book of Mormon is back at Torontos Princess of Wales Theatre. From the creators of South Park, its a laugh and a half, with a viewer rating of five out of five stars. Dont miss it! Visit online for info and tickets.mirvish.com/shows/thebookofmormon

Nov. 15Ice SkatingNATREL RINK, 235 QUEENS QUAY WESTEnjoy a fun, free skate at the citys most scenic skating rink, tucked behind York Quay Centre and set against the Lake Ontario shoreline. Strap on your helmet and skates and if you dont have any, there are rentals on site. Hot food and drinks are available at the rink-side restaurant. Visit online for details and a skate schedule.harbourfrontcentre.com

Nov. 29 Cavalcade of Lights NATHAN PHILLIPS SQUARE, 100 QUEEN ST. W.

Sat., Nov. 29 will mark the official start to the holiday season in Toronto with the Cavalcade of Lights, presented by Great Gulf. Now in its 48th year, this annual event includes the lighting of the holiday tree, performances by some of Canadas top musical talent, a brilliant fireworks show and a skating party. This family-friendly event is free.toronto.ca/cavalcade

Nov. 27 Dec. 7 One Of A Kind Christmas Show & Sale DIRECT ENERGY CENTRE, EXHIBITION PLACEKick off the holiday season at this popular annual craft show and sale. Its a one-stop shop for all your gifting needs whether buying for someone deserving or treating yourself. Browse hand-crafted art, jewelry, fashion, accessories, housewares and one-of-a-kind treasures by more than 800 artisans and designers. oneofakindshow.com


YOURLIFE STOREYSTARTS HERE.

Youve been there, done that and stumbled upon your soulmate. Time to trade the city lights for patio lanterns, in a Menkes townhome conveniently close to the life of the city.

The kids have own the roost and now you talk with them on Twitter. Time to migrate back to a carefree lifestyle in the city and enjoy Sunday brunch after that all-important lie-in.

Youve outgrown your curfew and ready to start living 24/7. Experience it all in a Menkes condominium, at the intersection of wherever you desire.

Condo keen

Low-rise ready

Freebirds once again

Facebook.com/MenkesLife @MenkesLife

Soccer practice, hockey practice and family fun all year round. Menkes gives you the space to slow life down and grow roots in Ajax and Georgetown.

menkes.com

WHERE EVER YOURHOLIDAY STOREYTAKES YOU, MAY ITBE A HAPPY ONE.

For over 60 years, Menkes has focused on building homes and condominiums to suit every stage of your life in Torontos most desirable locations. Come home to Menkes today, where your life storey always begins and ends with total customer satisfaction.

Family focused

Happy Holidays from Menkes




Condo keen

Low-rise ready




menkes.com



Family focused





Condo keen

Low-rise ready




menkes.com



Family focused


Construction StartingChurch & Carlton, Toronto

Starting from $241,990 416.591.7700

Now OpenPeter & King, Toronto

Starting from $281,990 416.591.7700

New ReleaseBurnhamthorpe Rd. & West Mall,

EtobicokeStarting from the high $300s

416.259.2525

Move In This YearYonge & Park Home, North York

Starting from $835,990 416.730.9722

Coming SoonYonge & Eglinton, Toronto

Register now at menkes.com

Move In Next YearAvenue & Davenport, Toronto

Starting from $420,000 416.323.0100

Under ConstructionRichmond & Spadina, Toronto

Starting from $291,990 416.591.7700

Coming SoonYork & Harbour, Toronto

Register now atmenkes.com

Prices and speci cations are subject to change. E.&O.E. November 2014. 24473

facebook/MenkesLife

@MenkesLife menkes.com

Sophie Conran for Portmeirion 16-Piece Set in White. $180.

VISIT THEBAY.COM

Paint in Universal Black. VISIT BENJAMINMOORE.CA

Norden Sideboard.$200. VISIT IKEA.CA

White Dinnerware Starting at $4.

VISIT HOMESENSE.CA

A SUPER HOT TREND RIGHT NOW!

A black accent wall is

BACK TO BLACK// BY SARA DUCK

SCOOP THE LOOK!

MARKETPLACE

STAT CHAT // BY BEN MYERS

I want to warn you that condominium pricing is almost certainly going to go up next year. I know this is not the warning you are used to reading about in regards to the Canadian housing market, or the Toronto condominium market, but all signs are pointing to a prosperous 2015 for the GTA highrise industry.

Ben Myers is senior vice-president of Market Research and Analytics at Fortress Real

Developments. Ben assists in evaluating the market and projects that Fortress engages in.

Follow his blog posts and commentary on the Canadian housing market at

fortressrealdevelopments.com/news or follow him on twitter at @BenMyers29

For the potential first-time homebuyers out there, prices growing at a more modest pace is probably music to your ears, as it is becoming increasingly difficult for young buyers to afford a condominium in Toronto

A WARNING about the 2015 housing marketI recently attended the Economic and Housing Outlook Conference

organized by the Building Industry and Land Development Association, and both of the guest speakers, BMOs chief economist Douglas Porter and CMHCs senior analyst Dana Senagama, had a lot of positive things to say about the local, national and international housing markets.

Porter mentioned that the average resale house price in Canada and the United States ran in parallel for some time, but have diverged greatly since 2008. Many housing bears use this chart to conclude that Canadian average house prices will come down because these prices have moved away from average American house prices. Porter doesnt agree, but rather he expects a 10-year bull run for housing south of the border, and he predicts American house prices will grow faster than Canadian house prices (moving the two back into a parallel situation). To summarize, Canadian house prices are not going to fall, but perhaps just rise at a slower pace compared to our southern neighbours.

For the potential first-time homebuyers out there, prices growing at a more modest pace is probably music to your ears, as it is becoming increasingly difficult for young buyers to afford a condominium in Toronto. Senagama pointed out that the average first-time homebuyer in Toronto is now 37 years old! My advice is get in when you can, but only if you can truly afford it and can see yourself living in the condominium for at least five years. Think more about the quality of the neighbourhood youre buying into than the size of the suite youre looking at. It will make your search more enjoyable, and based on my research, more profitable in the long run.

After a slowdown in new housing activity in 2013, Canada Mortgage and Housing Corp. pointed out that sales for new single-detached houses, semi-detached homes, townhouses and condominium apartments have all increased in 2014 over 2013. With this resurgence in demand, there is no doubt there will be pressure on developers to increase prices in the final days of 2014 and into 2015 especially in the most desirable neighbourhoods.

Prices are almost certainly going up, and this is a warning about the Toronto condominium market that you should actually pay attention to.

WorldOnYonge.ca | 905-771-7010

7163 Yonge St., Unit #124

YONGE ST.

LIVE FROM $284,000

YON

GE

ST.

BAY

VIEW

AVE

.

JOHN ST.

STEELES AVE.

DONC

ASTE

R AV

E.

READY!

TerraceOnDanforth.ca | 416-987-7575

3520 Danforth Ave.

DANFORTH AVE.

LIVE FROM $253,000

DANFORTH

AVE.DA

NFO

RTH

RD

.

WA

RD

EN

AVE

. SCOTIA AV

E.

N

DANFORTH

AVE.DA

NFO

RTH

RD

.

WA

RD

EN

AVE

. SCOTIA AV

E.

N

READY!

RoyalGardensCondos.ca | 905-889-9997

370 Hwy. 7 East, Unit #113

RICHMOND HILL

LIVE FROM $302,900

HWY 7

BAY

VIEW

AVE

.

ROCK

WEL

L RD

.

LESL

IE S

T.

HWY 407READY!

*As per price list. Limited time offer. Offer based on a select number of units. Price, information and program subject to change without notice. For qualifi ed buyers on approved credit. All renderings are artists concept. Prices, specifi cations and

availability subject to change without notice. E&O.E. Brokers protected. See Sales Representative for details.

www.MyLibertyCondo.ca

MOVE IN NOW!

ONLY 5% DOWN*

COME SEE OUR MODEL SUITES

LIBC 36608 Condo Guide v2.indd 1 20/10/14 11:36 AM


THE BEST CORNERS IN WOODBRIDGE Every square has a corner, for the best corner, visit Centro Square. Now offering

remarkable views from marvelous corner suites 2 bedroom, 2 bathroom, 2 balonies, 2 much luxury to mention.

* Limited time offer, restrictions apply. On select units. Prices do not include parking. See Sales Representative for details. All illustrations are artists concept only. 2014 Liberty Development Corporation. All rights reserved. Brokers protected.

HIGHWAY 407

HIG

HW

AY

40

0

HIG

HW

AY

40

4

HIG

HW

AY

42

7

WE

ST

ON

RD

.

HIGHWAY 7

STEELES AVE.905-851-8877 CENTROSQUARE.CA

NEW SALES OFFICE

7887 WESTON RD. UNIT # 5

Monday - Thursday 12 p.m. - 7 p.m.Weekends & Holidays 12 p.m. - 6 p.m.

GRANDOPENING

LUXURIOUS CORNER SUITES

from

$399,000

LIVING/DINING

MASTERBEDROOM

BALCONY

ENTRY

BATHENSUITE

W/D

KITCHEN

OPTIONAL

BEDROOM

BALCONY

2C 868 sq. ft.

WERO 37141 Condo Guide Ad V3.indd 1 17/11/14 5:57 PM


All illustrations are artists concept only. 2014 Liberty Development Corporation. All rights reserved. E.&O.E. Brokers protected.

YO

NG

E S

T.

407

BEVERLEY GLEN BLVD.

CENTRE ST.

STEELES AVE W.

BA

TH

UR

ST

ST

.

TTC/VIVA

SALES CENTRE ON BEVERLEY GLEN JUST WEST OF BATHURST

BATHURST & CENTRE STREET

LegacyParkCondos.com

905-731-8302

5 ACRES OF PARKLAND RIGHT IN YOUR FRONT YARD

Live in the heart of vibrant Thornhill City Centre, close to

shopping, dining, public transit, golf courses, places of worship,

libraries schools, and now Thornhill Green, Vaughans first

5-acre urban public park will be right next door.

TCCF 37107 Condo Guide.indd 1 2014-11-17 12:18 PM


A GOOD REASON TO NOT OVERPAY FOR YOUR HOME

// BY ALYSSA RICHARD MORTGAGE ADVICE

Alyssa Richard is the founder and CEO

of ratehub.ca, a mortgage rate comparison site

that aims to empower Canadians to make smart

financial decisions.

Bidding wars are a hot topic in Toronto right now, with homes being priced extremely low so potential buyers will come in with high offers. The Toronto real estate market gets a bad rap for bidding wars, but we know its not the only city in the country to experience them. After conducting dozens of interviews with real estate agents across the country last year, we found out one Canada-wide truth: if supply is low, demand is high and many buyers are willing to make offers above and beyond what sellers are asking.

Before you make an offer on any home, you should be armed with a mortgage pre-approval. This is the maximum amount of money a lender is willing to give you toward the purchase of a home. When lenders

Before you make an offer on any home, you should be armed with a mortgage

pre-approval. This is the maximum amount of money a lender is willing to give you

toward the purchase of a home.

say maximum, they mean it. The first reason not to overbid on a home is because you dont want to go over your budget, or stretch yourself so thin that youre house poor. But the other reason not to overbid is because your lenders home appraiser may determine the property isnt worth what youve offered. This leaves you in a tricky financial position.

Lets say you offered $400,000 for a home, your offer was accepted and you have $40,000 to put down. If the banks appraiser believes its worth only $375,000, the bank will only give you a mortgage equal to their appraised value minus your down payment. In this case, thats $335,000 ($375,000 subtract $40,000), explains James Laird of CanWise Financial. If you still wanted to purchase the home, you would need to come up with the extra cash to make up the shortfall. In this example, thats $65,000 ($400,000 subtract $335,000).

If you cant borrow money from family or another outside party, you may be forced to walk away from the deal (and risk losing your deposit, in the process).Not having the resources in this situation is what is often referred to as appraisal risk, and its obviously something you want to avoid. How is that possible? First, dont overpay which is something an experienced real estate agent who knows your market should be able to stop you from doing. Second, saving a larger down payment can help reduce your risk, because it allows you to put less money down and use the extra to make up any shortfall.


GROUND BREAKING

GROUNDBREAKING

GROUNDBREAKING

GROUNDBREAKINGSUCCESSFUL

SUCCESSFULSUCCESSFULICONICSUCCESSFULICONICSUCCESSFUL

ICONIC ICONIC

ICONICICONIC

SUCCESSFULVISIONARY

VISIONARYPIONEERINGPIONEERING

PIONEERING

PIONEERING

PIONEERINGPIONEERINGSUCCESSSUCCESSVISIONARYSUCCESSVISIONARY

BE PART OF THE SUCCESS & VISIT THE PRESENTATION CENTRE TODAY!

ONNOWSALE

A new landmark has arrived at the

intersection of Eglinton Avenue &

Erin Mills Parkway. Already a big

success, DANIELS ERIN MILLS is the

culmination of a pioneering vision

that will redefine the concept of

modern urban living. With Daniels

Erin Mills, Mississauga has an iconic

address for people to Love where

they Live, Work, Play, Dine & More.

$200,000SSUITES FROM THE MID

Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artists concept. Specifi cations are subject to change without notice. E.&.O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited.

Call or visit todaydanielserinmills.com | 905.306.6996PRESENTATION CENTRE2475 Eglinton Ave W

ERIN

MILL

S

TOWN

CENT

RE

CRED

IT

VALL

EY

HOSP

ITAL

EGLIN

TON A

VENU

E

ER

IN M

ILLS PAR

KW

AY

DANIELS

ERIN

MILLS

DANIELS NEW

PRESENTATIO

N

CENTRE

BackyardFarm & Market

MON, TUES & THURS 12-6PM WEDNESDAY 12 NOON-8PMFRIDAYS CLOSED SATURDAY, SUNDAY & HOLIDAYS 12PM-5PM

SUCCESSFUL

ICONICA PIONEERINGSUCCESS STORY INERIN MILLS

DANIELSDOESIT AGAIN!

GROUND BREAKING

GROUNDBREAKINGGROUNDBREAKING

SUCCESSFUL

SUCCESSFULICONIC

ICONIC

ICONIC VISIONARY

VISIONARYICONICVISIONARYICONICPIONEERING

PIONEERING

PIONEERING

SUCCESS

ON

SALE

GROUNDBREAKINGICONIC

SUCCESS STORY INGROUNDBREAKINGSUCCESS STORY INGROUNDBREAKINGIT AGAIN!

ICONICIT AGAIN!

ICONICPIONEERINGIT AGAIN!PIONEERING

$499,9002-STOREY URBANWALK-UPS FROM

EMIL 36851 Condo Guide.indd 1 2014-10-28 3:42 PM


CONDO PROFILE

DANIELS DOES IT AGAIN IN MISSISSAUGADaniels Erin Mills is an overwhelming success!

the Daniels Corporation has a track record for offering the right product at the right time in the right place, especially in Mississauga. At the recent opening of Daniels Erin Mills, the response was overwhelming, with eager purchasers snapping up suites in the West Tower. They appreciated this first opportunity to own a beautiful home in Daniels newest master-planned community at Erin Mills Parkway and Eglinton Avenue West, which will be one of the largest in Erin Mills. With suites starting from the mid-$200,000s and urban walk-ups starting from $499,900, this is an opportunity you wont want to miss.With people flocking to the presentation centre, now is the time to become part of one of Mississaugas best-selling condominium communities.

Buyers understand the value of living in this amenity-rich location next to the well-respected Credit Valley Hospital and the Erin Mills Town Centre, which is currently undergoing a $100-million revitalization, scheduled for completion by summer 2015. Daniels Erin Mills is also only moments from parks, walking trails, transit, big-box stores including Loblaws and Longos, and some of Peel Districts most respected schools.

Over the years, Daniels has earned a well-deserved reputation as a forward-thinking city builder that creates visionary master-planned


DANIELS DOES IT AGAIN IN MISSISSAUGADaniels Erin Mills is an overwhelming success!

communities. Among Daniels successful landmark neighbourhoods are NY Towers at Bayview and Sheppard in Toronto, Festival Tower atop TIFF Bell Lightbox in Torontos Entertainment District, the world-renowned Regent Park Revitalization in Torontos downtown east, and multi-award-winning City Centre in Mississauga. Now, Daniels is applying their collective experience and expertise to Daniels Erin Mills, which offers one of the best new home-ownership opportunities in the GTA!

Daniels motto Love Where You Live is quickly becoming a reality for purchasers, with construction already underway on the communitys first phase. Residents in the West Tower can look forward to a phenomenal array of amenities at Daniels Erin Mills, starting with the inviting double height lobby where residents can access 24-hour concierge service, and continue on the fourth and fifth floors, where Club 5enses will indulge their senses. Designed for the enjoyment of all ages and family configurations, this space will feature the party room with a kitchenette and sectional harvest table dining space, lending itself beautifully to group gatherings. When the party is ready to move outside, no problem the party room terrace is perfect for alfresco dining and taking in the sunset!

An extension of your personal living space, the indoor lounge will

have a big-screen TV and comfy sofas, and when residents are looking to curl up with a good book or catch up on social media, the media nook provides the perfect oasis. For those who love the outdoors, the outdoor terrace will offer serenity with a yoga studio, a chance to get green and connect with neighbours at the community gardening plots, and the perfect place to just lounge and enjoy some delicious barbecue.

Active residents of all ages will appreciate the buildings two-storey multi-purpose gym, fitness studio with amazing views, and multi-purpose space for group activities, classes and even birthday parties. A first in a condominium community in Canada, Club 5enses will feature Wellbeats, a virtual fitness program that invites residents to choose a class and work out with friends guided by a professional instructor from a large-screen projector. From Zumba to yoga, to fitness classes for kids, residents will love the convenience, flexibility and fun of the virtual class experience.

Owners will have high-quality features and finishes in their suites, including nine-ft. ceiling heights, stylish laminate flooring throughout, and modern kitchens with quartz countertops and stainless steel appliances. Combined with Daniels efficient layouts, the suites and urban walk-ups provide the beauty and functionality that make everyday living a pleasure. Suites are priced from the mid-$200,000s and range from studio to two-bedroom-plus-den designs. Plus, there is a limited collection of two-storey, two-, three- and four-bedroom urban walk-ups priced from $499,900.

The Daniels Corporation (danielshomes.ca) is one of Canadas pre-eminent builders/developers, building more than 25,000 new homes across the Greater Toronto Area over 32 years. Daniels was named the Tarion Warranty Corporations 2012 Ontario High Rise Builder of the Year and was the recipient of the 2012 Toronto Arts and Business Award presented by the Toronto Arts Foundation. Among its many initiatives, Daniels was chosen to partner with Toronto Community Housing to revitalize Regent Park 69 acres in the heart of Torontos Downtown East. Committed to community, Daniels offers innovative programs that help people achieve home ownership, champions neighbourhood initiatives that enhance residents quality of life, and supports numerous charities and non-profit organizations.

The time to act is now! The Daniels Erin Mills presentation centre is located at 2475 Eglinton Ave. W. at the corner of Eglinton Avenue West and Erin Mills Parkway. Hours are Monday, Tuesday and Thursday from noon to 6 p.m.; Wednesdays from noon to 8 p.m.; Saturday and Sunday from noon to 5 p.m.; Fridays closed. For more information, visit danielserinmills.com or call 905.306.6996.

The outdoor terrace will offer serenity with a yoga studio, a chance to get green and connect with neighbours at the community gardening plots, and the perfect place to just lounge and enjoy some delicious barbecue


IN THE NEWS

East versus west:

WHICH SIDE RULES?// BY SONIA BELL // PHOTOS BY KATHERINE HOLLAND

WHAT SIDE OF TORONTO RULES EAST OR WEST? Urban Capital, the developer behind River City, hosted a panel discussion on Nov. 12 in an attempt to settle the debate once and for all. The event was marketed as an intelligent discussion on a not so important topic. However, despite the seemingly unimportant nature of this topic, the east versus west debate has thrived through the years, causing intense deliberation among Torontonians who are passionate about their neighbourhood.

Urban Capital enlisted four notable residents, broken out into the east team and the west team, to battle it out and defend why their side of Toronto rules over the other. Representing the east side was Jennifer Valentyne from Breakfast Television and Michael Hollett from NOW Magazine and NXNE. Representing the west side was Roz Weston from ET Canada and The Roz+Mocha Show on KISS FM, and Jeffrey Remedios from Arts and Crafts.

Using Yonge Street as the dividing line, both sides of Toronto have their fair share of great neighbourhoods. The east side is home to renowned areas like The Beach, St. Lawrence Market, Leslieville and Corktown where River City will reside. The west side, on the other hand, boasts neighbourhoods such as Parkdale, Roncesvalles and Liberty Village.

So, what did the panelists claim to have on their side of town that their opponents lacked? Hollett claimed, The livability of the east end is paramount. Its a great place to live. It has all the excitement of the big city, but you feel like youre in small communities. The schools are great, its easier to get around than some other parts of the city and the greenness is spectacular [we have] parks as well as the Don Valley.

Defending the west end, Remedios explained, The reason I fell in love with the west is because its this utopian, culturally vibrant community in spite of itself.

The neighbourhoods blend into each other, they gentrify, but then they dont gentrify because the local population holds on to what is so special and unique to these communities.

Another topic explored was investment opportunities and affordability. Valentyne explained that with all the development in the east end, those buying in the area are getting more bang for [their] buck. [Theyre] getting in now.

To this point, Weston chimed in that the investment opportunities in the west end were ripe in the 90s. You could get a place for $200,000 that had three bedrooms. If you held on to it, your investment paid off. And thats where the east/west divide is a little bit blurred and people [then ask themselves] where can I get my best foot in the door? This is where your emotional reaction to east and west starts to fade a little bit because then it becomes about opportunity Its about buying something you can afford and hopefully having your investment pay off.

After all the back and forth, the verbal jabs and witty comebacks, its apparent why a once-and-for-all answer to this question east versus west has never surfaced over the years. And thats because both sides equally rock.


STARTING THE LOW $200S TO $1.4M

Rendering is an artists impression. Specifications are subject to change without notice. E.&O.E.

PRESENTATION CENTREAND MODEL SUITEKING ST EAST AT LOWER RIVERMON-THURS 12-6PMSAT & SUN 12-5PMFOR MORE INFO 416.862.0505

KING ST E

QUEEN ST E

X

RIV

ER S

T

N

ARE YOU READY?NOW OPEN

The story so far of River City has not quite prepared us for the most vivid surprise ofall: Phase 3. Saucier + Perrottes building will be amongst the most artistically excitinghigh rises constructed in Toronto since the onset of the condo boom.

John Bentley Mays, THE GLOBE AND MAIL

rivercity3.NOVCGNEWadFINAL:Layout 1 14-11-12 12:37 PM Page 1

// BY HELLEN BUTTIGIEG

Hellen Buttigieg is a certified professional organizer, life coach, TV

host and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-book on how to find more

time, energy and inner peace. Email Hellen at [email protected]

QUICK TIPS

Holidays without hassle

OVERJOYED, NOT OVERWHELMED:

T he holidays are a wonderful opportunity to see old friends, enjoy time with family, celebrate the events of the year past and dream about the year approaching. But its also hectic with shopping, wrapping, travelling, entertaining and cleaning up after it all. The worst thing that can happen is to wish it all away, thinking youll be happy when its all over. Its a lot of work, but the little things that help keep you organized and sane will put the pleasure and joy back in this time of year.

QUICK TIPS ON ORGANIZING YOUR HOME Create a gift-wrapping zone. Save time and make wrapping presents a pleasure by transforming a spare room (or part of a room) into a gift-wrapping centre for the holidays. Set up a table or use a rolling cart to put out your supplies (gift wrap, scissors, tape, pen, cards, bows) and keep everything you need in one place. Create the right atmosphere by adding some festive music, a scented candle and a cup of hot chocolate to get you into the holiday spirit. Store items near their point of use. Save steps and precious time by storing things close to where you use them. For example, save yo

gta new condo guide, nov 22, 2014

Documents

condo lifestyle

condo guidewhether youre

condo guide v1

concept of condo fees

condo profile features

new condo buyerredefining

condo guide av gf ifc

party room