gta new home guide - jun 14, 2014

NOW OPENIN ETOBICOKE.

menkes.com

MEN 24008 GTA New Homes Gatefold Cover June 2014.indd 2 14-06-06 5:13 PM

Note:Cover CheCklistx-Date changedx-colour changedx-coverline placed

x-logo(s) placedx-callouts placed-rich blacks applied

June 14 - 28, 2014 Volume 22 Issue 12

inside this issue

WHY MORTGAGE RATESVARY BETWEEN LENDERS

MANAGING YOUR NEW HOME WARRANTY

ESTIMATING YOUR HOMEINSURANCE PREMIUMS

001 NHGTA-Cover-06-14-2014-TL.indd 1 09/06/14 15:50:19

ASPIRE TO A NEW ERA OF DESIGN IN NEWMARKET.

aspenridgehomes.com

fold

6.875" x 10.5" OGFfoldASP 23516 Woodlnd Hills New Homes 4 Pager May 2014.indd 1 14-05-23 5:02 PM

© Aspen Ridge Homes. Prices and specifications are subject to change. See sales representative for details. All Rights Reserved. E.&O.E. May 2014. 23516.

Now oPEN8 Communities and 9 models from 3 of Toronto’s leading interior designers. BramPtoN Credit Manor HeightsPresentation Centre & Model Home 905.216.5155

BramPtoNMAYFIELD VILLAGEPresentation Centre 905.230.2592

markhamUpper CornellPresentation Centre & Model Home 905.554.3446 richmoNd hill Kettle Lakes ClubPresentation Centre & 2 Model Homes 289.234.1064

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7.25” x 10.5” IFC 7.5” x 10.5”ASP 23516 Woodlnd Hills New Homes 4 Pager May 2014.indd 4 14-05-26 11:48 AM

contentsJUNE 14 - JULY 28, 2014 || VOLUME 22 ISSUE 12

community focus features20 Brampton

Treasure Hill Homes presents the exclusive Tiara Estate Collection in Brampton

24 Markham Fieldgate Homes Discover Unionville’s finest family community

40 Toronto Arista Homes Loads of luxury in semis and singles at Goddard on the Valley

44 Multi-Site Brookfield Residential Summer savings with Brookfield – move in this year and save big

ON THE COVER

p. 32MENKES

DEVELOPMENTSNow open: Humber Mews

townhomes in Etobicoke

NOW OPENIN ETOBICOKE.

menkes.com

MEN 24008 GTA New Homes Gatefold Cover June 2014.indd 2 14-06-06 5:13 PM


x-logo(s) placedx-callouts placed-rich blacks applied


inside this issue

WHY MORTGAGE RATESVARY BETWEEN LENDERS

MANAGING YOUR NEW HOME WARRANTY

ESTIMATING YOUR HOMEINSURANCE PREMIUMS

001 NHGTA-Cover-06-14-2014-TL.indd 1 09/06/14 15:50:19

84 Home Sweet Home Canada’s housing un-affordability by Lydia McNutt

86 Designer Advice In between seasons, in between spaces by Yanic Simard

102 Make Your Move Preparing for the busiest moving day of the year by Stewart Smith

HOMEBUYERS’ HELP

48 Insurance Needs & Options How to estimate your home insurance premiums

68 Insurance Needs & Options Four things Canadians would rather do that think about insurance

70 Insurance Needs & Options Do you need mortgage loan insurance?

111 Resource Section Mortgage Calculator and Rate Table

115 GTA Hot Sheet Two pages of new openings, new releases and preview registrations

IN THE NEWS

54 Development Charges Edilcan freezes Development Charges at 2013 levels

60 Arista, Fieldgate, Paradise, Opus Homes Now open: Aurora Trails in Aurora

62 Housing Market Canadians still optimistic about housing market: BMO

66 Friday Harbour Sales centre now open in Vaughan for resort in Lake Simcoe

44

20regular and special featuresIN EVERY ISSUE

4 Editor’s Note 10 Contributors 110 Hot Dates 118 Ad Index

COLUMNISTS

14 BILD Report Builders play a key role in public art by Bryan Tuckey

28 Fundamentally Speaking Learning about mortgages is time well spent by Wayne Karl

36 Tarion Report MyHome: the simplest way to manage your warranty by Howard Bogach

38 Taxing Issues Building equity by Henry Choo Chong

42 Mortgage Advice Why mortgage rates vary from lender to lender by Alyssa Richard

52 Legally Speaking Considerations for buying foreign property by Jayson Schwarz

58 The Tax Man TFSAs – take care with recontributions by George Dube

We and other industry sources in New Home Guide have been writing more and

more recently about Development Charges, trying to bring attention to this increasingly important topic – and what you might be able to do about it. DCs are the fees applied by various levels of government when homes are built, to pay for new roads, transit and other infrastructure.

Now, we’re happy to report, home builders are getting creative, looking for ways to give buyers a break on rising new home costs. Edilcan Development Corp., a Toronto builder, found a way to freeze DCs at 2013 levels at one its projects – a master-planned community in Etobicoke

How is your builder handling DCsHome builders getting creative to give buyers a break on rising Development Charges

Get it in writing and have your lawyer review your agreement

Buying a brand-new home offers you an opportunity to customize it to your liking. It can be a

dream come true and an investment for the future – but don’t forget, it’s also legal transaction.

The term “get it in writing” has never been more important in the case of the new-home purchase, since such a document outlines everything your home will have in it, on it and around it. Otherwise known as the Agreement of Purchase and Sale, the contract spells out the terms and conditions between you and your builder. Without it, if there is a misunderstanding or disagreement, it’s impossible to prove what was agreed upon.

Since building a home is much more complicated than a resale transaction where the unit and/or property likely already exists, there is

//EDITOR’S NOTE

that involves townhomes and three condominium towers (see story page 54).

We don’t expect that all home builders will be able to find similarly innovative solutions, but the initiative is a shining example of what can be done – while home builder associations across the country lobby government on behalf of new-home buyers.

Given that these rising fees are almost always transferred right on to you, the new-home buyer – along with your associated mortgage costs – such creative efforts should be applauded.

As you’re out there scouting about for your new home, ask your builder how it is handling DCs, and if there are any opportunities to save.

no set Agreement of Purchase and Sale or standard contract for buying a new home. In some provinces, builders may have standard contracts prepared by the local home builders’ association or their new-home warranty program. Builders often prepare their own agreements, so contracts can vary from one builder/developer to another and from province to province.

Before you sign a contract, review it carefully with the builder and ask questions to make sure you fully understand what it contains. Your next step is to then take it to a real estate lawyer and have it reviewed. Once it is signed, it becomes a legal document and an agreed-upon contract, so seeking the services of an experienced real estate lawyer is an important step toward ensuring that your dream home becomes a reality.

SUSAN LEGGE EDITOR-IN-CHIEF Wall2Wall Media [email protected]

Follow me on Twitter at Twitter.com/SusanLegge Like us on Facebook. Search: New Home Guide

WAYNE KARL EDITOR Wall2Wall Media [email protected]

Follow me on Twitter at Twitter.com/WayneKarl Like us on Facebook. Search: New Home Guide

4 NEW HOME GUIDE GTA | JUNE 14 - 28, 2014

JUNE 14 - 28, 2014 | NEW HOME GUIDE GTA 5

menkes.com

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MEN 23107 Homes Magazine DPS New Campaign May 2014.indd All Pages 14-05-13 4:08 PM

6

menkes.com

Your Life Storey always comes � rst.

2013 Tarion Award of Excellence FinalistFor the last sixty years, Menkes has been a central chapter in the Life Storeys of so many. Menkes has always focused on building

homes in the city’s most desirable and accessible locations. Discover elegant family homes in communities across the Greater

Toronto Area that exude this company’s trademark character, charm and lasting value. Come home to Menkes today, where

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menkes.comPrices and speci� cations are subject to change. E.&O.E. May 2014.

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MEN 23107 Homes Magazine DPS New Campaign May 2014.indd All Pages 14-05-13 4:08 PM

7

mattamyhomes.com

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

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St. John’s

Presentation Centre Hours: Monday - Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pmWildflowers Model Home Hours: Monday - Thursday 1pm-7:30pm; Friday 1pm-5:30pm;

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mattamyhomes.com


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Presentation Centre Hours: Monday - Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pmWildflowers Model Home Hours: Monday - Thursday 1pm-7:30pm; Friday 1pm-5:30pm;

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You’ll find Mattamy Homes in all the right places across southern Ontario. Whether you are looking for a Townhome

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NH&C_dps_All Sites_June7.indd 1 2014-06-04 12:07 PM

9

contributorsNEW HOME GUIDE

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 BILD’s official online blog (bildblogs.ca)

TAXING ISSUES HENRY CHOO CHONG, CGA

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

LEGALLY SPEAKING JAYSON SCHWARZ Schwarz Law -Barristers and Solicitors

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

THE TAX MAN GEORGE E. DUBE CA, CPA, LPA, is a real estate investor and Chartered Accountant and partner with Peter Cuttini, Dube & Cuttini Chartered Accountants LLP. He has written and contributed to articles and co-authored two books. [email protected], dubecuttini.com, Twitter @dubecuttini.com1.877.475.3823

PRESIDENT, WALL2WALL MEDIA

Jacqueline HillEDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan LeggeDIRECTOR OF SALES, NATIONAL

Josh HeppnerSALES MANAGER NEW HOME GUIDE GTA, NEW CONDO GUIDE, HOME DÉCOR & RENOVATIONS

Conni RobinsonASSOCIATE PUBLISHER, NEW HOME & CONDO GUIDE SWO, LIFESTYLE COMMUNITIES

Susan Maxwell ART DIRECTOR

Tammy Leung

EDITOR

Wayne KarlCONTRIBUTING EDITORS

Sara Duck, Elisa Krovblit Lydia McNutt

SENIOR ACCOUNT EXECUTIVE

Nina Downs [email protected]

SENIOR ACCOUNT EXECUTIVE Dionne Fraser [email protected]

SALES & MARKETING CO-ORDINATOR

Terry BassettDISTRIBUTION & SALES CO-ORDINATOR

Jennifer BistronADMINISTRATIVE ASSISTANT

Antoinette Jackson

PRODUCTION MANAGER

Bala GnanapandithanPRODUCTION CO-ORDINATOR

Sandra Hanak-VujnovicGRAPHIC DESIGNERS Mike Terentiev, Caroline Wassef

NATIONAL ACCOUNT MANAGER, MEDIATIVE

Paul Slizys

#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867newhomeguide.ca ADVERTISING Call 416.626.4200 for advertising rates and information. CIRCULATION Free distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices.COPYRIGHT 2014 All rights reserved by New Home Guide, Toronto, Ontario, Canada. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.TERMS Advertisers, Editorial content are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.EDITORIAL Submissions from interested parties will be considered. Please submit to the editor at [email protected].

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.

DESIGNER ADVICE

YANIC SIMARD Yanic is design editor of New Home Guide sister publication New Condo Guide and principal designer of Toronto Interior Design Group. Yanic often applies his signature high/low and old/new combination techniques in developing his unique designs. He has created designs for clients in Toronto, Montreal and Miami, and appears as a regular guest expert on Citytv’s CityLine. Visit tidg.ca for more information.

Published By

MORTGAGE ADVICE ALYSSA RICHARDis the Founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

MAKE YOUR MOVE STEWART SMITH is franchisee/owner of Two Men And A Truck Canada - Newmarket and Aurora. Call 905.952.2229 or visit twomenandatruck.ca Two Men currently operates in the U.S., Canada, Ireland and the UK with more than 260 locations and 1,800 moving trucks. The company enjoys a 96 per cent customer referral rating.


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» by BRYAN TUCKEY

Builders play key role in public art

//BILD REPORT

The next time you see a world-class piece of public art around Toronto, take a moment to think about how that installation fits into the surround-ing community.

Chances are that new-home buyers and a builder were behind it.

Many builders make very good use of the City’s Percent for Public Art Program as part of the city’s development review. The program recommends that a minimum of one per cent of the total construction cost of a development, including condos, goes towards public art.

While it’s not a mandatory program, it involves an important negotiation between the City and our members about the community’s needs. However, the agreement is made in the spirit of cooperation and collaboration to add culture, character and distinction to Toronto as our members continue to build great cities.

These installations usually range from $400,000 to $1 million, with the odd piece costing up to $2 million. In 2013, there was $12 million in public art plans that were submitted to the City for approval, according to Jane Perdue, public art coordinator for city planning, City of Toronto.

Many of our members have taken

part, including CanAlfa Group, Concert Properties, Monarch Corporation, Cityzen Development Group and Concord Adex Development to name a few.

Gabriel Leung, vice-president of development for Concord Adex, says his company is trying to build a public art legacy around its condo communities, including Concord CityPlace in downtown Toronto and Concord Park Place in North York. He adds that public art must be planned with care as it will become a focal point in a streetscape or park, or beside buildings.

“Concord always tried to do impactful art which suits the surrounding landscape and architecture design, and often these are colourful pieces as the colour adds life and vibrancy to the neighbourhood, particularly in the grey winter months,” Leung says.

While he’s reluctant to choose one installation as a favourite, Leung says Canoe Landing Park is very impactful. It was created by Vancouver artist Douglas Coupland at CityPlace.

Other examples include Straight Flush, by American James Turrell, at Bay and Adelaide (by builder Brookfield), and the two light bridges by the Austrian-American Erwin Redl at Vibe Condos in King West Village (Monarch).

One of the important goals of public art is to start a conversation, says Karen Mills, founder of Public Art Management. Her company consults on urban-scale public art installations and memorials for governments and private developers.

Each project involves an artist, engineers, fabricators, suppliers and crane operators.

“We’re creating landmarks and we’re really participating in the culture of our time,” Mills says. “It adds to the persona and cultural diversity of the city to make this place a desirable place to live and work.”

Karen’s son, Ben Mills, the vice-president of Public Art Management, says: “If you look at the sheer volume and the quality of artists, nationally and internationally, and what has been done since the 1980s, what we’ve been able to achieve in 30 years I think is unprecedented.”

Ben also makes a great point about the funding of these works of art: your hard-earned tax dollars are not funding these installations.

You can thank the new-home buyers for choosing to live in the areas that have public art. And hopefully you now have a new understanding of how builders can play a role in the culture of a new community.

BRYAN TUCKEY is President and CEO

of the Building Industry and Land Development Association (BILD) and is a land-use planner who has worked for municipal,

regional and provincial governments. He can be

found on Twitter (twitter.com/bildgta), Facebook

(facebook.com/bildgta) and BILD’s official online blog

(bildblogs.ca).


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//COMMUNITY FOCUS

LOCATION Brampton

HOUSING TYPE Luxury singles

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//COMMUNITY FOCUS

LOCATION Markham

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CONTACT 905.477.6464 fieldgatehomes.com

DISCOVER UNIONVILLE’S

finest family community

T he Village of Unionville has a well-established reputation as one of the GTA’s most sought after communities. Located in the heart of the city of Markham, this quaint, charming village offers a welcome retreat from the

bustle of modern life. It’s a place where one can spend the day window-shopping on Main Street or enjoying a meal on a sunny patio with friends or just an ice cream with your family. It’s also a place where music, arts and culture are enjoyed through spaces and events such as the annual Markham Jazz Festival, nearby Markham Theatre and the Fred Varley Art Gallery. This rare gem of a village sets the stage for a new home community of exceptional charm and beauty, Upper Unionville.

continued on pg 26


FIELDGATE HOMES | Upper Unionville

Offering an incredible selection of homes and one of the GTA’s finest locations, it’s easy to see why Upper Unionville is one of the GTA’s best selling new home communities. Located just moments from the heart of Unionville at Kennedy Road and 16th Avenue, this breathtakingly designed master-planned community offers one of the best selections of new home designs anywhere in the region. Featuring an impressive array of freehold townhomes from 1,775 to 2,180 sq. ft. from $585,990, 34-ft. from $760,990 and 38-ft. from $904,990, Upper Unionville has homes that appeal to first-time buyers, empty nesters and everyone in between.

All the homes at Upper Unionville offer a classic-yet-contemporary architectural aesthetic that contributes to the rich, vibrant atmosphere that is the hallmark of this community. Exterior elevations feature brick and stone accents, single and double car garages, covered porches, large windows and more. The interiors of these homes are just as stunning, with features such as spa-inspired master suites, spacious kitchen and breakfast areas, ample closet space, upstairs laundry rooms, stately dining rooms and expansive great rooms, to name just a few.

One of the most popular freehold townhomes at Upper Unionville is the 1,986-sq.-ft. Langley. Featuring three large bedrooms and a single car garage, this stylish open-concept townhome has it all. The front of the home boasts a striking brick elevation with stone accents, large windows and a second floor balcony off the third bedroom. Inside, homebuyers will be impressed by the intuitive layout of the main floor plan, with a large living and dining room, contemporary kitchen and breakfast area and charming family room with gas fireplace. Upstairs the master suite features a walk-in closet and an ensuite with oval soaker tub and separate shower stall. The second floor also features an upstairs laundry room, main bathroom and two additional bedrooms.

Upper Unionville is also ideally situated to take advantage of many of the GTA’s finest amenities. In addition to the exceptional convenience offered by the schools, shops, parks and ponds of The Village of Unionville, this community also offers easy access to the many wonderful shopping and recreation facilities of Markham and the surrounding area. Markville Mall, First Markham Place, Pacific Mall and more are all nearby, and those looking for outdoor recreation can enjoy Angus Glen Golf Course, York Downs Golf & Country Club, Milne Damn Conservation Park, Monarch Park and more. And with GO Transit and Hwys. 407 and 404 all nearby, it’s easy to get to all your other favourite GTA destinations at Upper Unionville.

For more information on Upper Unionville, visit the sales centre this weekend, or go to fieldgatehomes.com or call 905.477.6464.

In addition to the exceptional convenience offered by the schools, shops, parks and ponds of The Village of Unionville, this community

also offers easy access to the many wonderful shopping and recreation facilities of Markham and the surrounding area.

//COMMUNITY FOCUS...continued


valesof thehumber.com

NEW LUXURY COMMUNITY FEATURING 50’•55’•57’•65’•75’• 86’•100’ ESTATE LOTS

BUNGALOWS FROM 673 990 ,$ *

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PRESENTATION CENTRE HOURS: MONDAY TO THURSDAY: 1PM-8PM FRIDAY: CLOSED • SATURDAY & SUNDAY: 11AM-6PM

BRAMPTON

Queen St.

HWY 407

HW

Y 42

7

Gor

eway

Dr.

McV

ean

Dr.

The

Gor

e Rd

.

Castlemore Rd.

Fogal Rd.

HWY 7

Countryside Dr.

May�eld Rd.

HW

Y 50

HW

Y 27

N

GREENPARK& STARLANE

SALES CENTRES

TREASURE HILL

SALES CENTRE

VAUGHANBRAMPTON

*Limited quantities available in some price ranges to qualified purchasers. Prices & information correct at press time. Maps not to scale. Rendering reflect artist’s concept. Some lots may have premiums. E. & O. E. Conditions may apply.

** Approximate value based on comparison between homes with similar specifications and features located in Vaughan & Brampton.

BRAMPTON’S NEW EXCLUSIVE COMMUNITY

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27

//FUNDAMENTALLY SPEAKING

WAYNE KARL is an award-winning

writer and editor with experience in real

estate and business. In Fundamentally

Speaking, Wayne explores the basics – such as

economic fundamentals – you need to examine

when buying property. He can be reached at

[email protected] or follow him on Twitter

at Twitter.com/WayneKarl

» by WAYNE KARL

Mortgage essentialsIt’s a hot topic in a changing landscape, so learning as much as you can is time well spent

payment to taking advantage of pre-payment options and even “stress-testing” your mortgage at a higher rate to ensure your finances can accommodate rate fluctuations or other unforeseen circumstances.

The mortgage market is a complex beast, and as a prospec-tive homebuyer, these are not lessons you’re going to learn overnight – nor do you likely want to. You’re focused on saving a down payment, getting your finances in order, searching potential neighbourhoods, choosing a home and selecting interior finishings.

But just as important is to also spend as much time as necessary to find a broker or banker you trust and who knows their business. More so than in any other area of homebuying, you’re going to rely on the advice of this member of your team

– now more than ever. It will prove to be time well spent.

Mortgage interest rates, still at historical lows and expected to remain so until later this year and maybe even into 2015, represent a window of opportunity for those looking to buy a home.

The Bank of Canada, in its latest rate announcement on June 4, once again held its influential overnight target rate at one per cent – where it has been since September 2010.

Indeed, the mortgage industry remains ultra-competitive, lenders often introduce new products and otherwise there are plenty of options for borrowers.

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

Another appeal of this scenario is that, as we often point out, experts advise you take a long-term view of your home purchase. For example, there has been some talk recently about cooling prices and softening sales. But even if that were to happen in your market and housing type, ask yourself: in 10 years, is a home you buy today likely to be worth more or less? If you need an answer to this question, just take a look back at prices 10 years ago. Of course, there are no guarantees, but if you’re in the homebuy-ing mode anyway, today’s low rate environment makes a pretty compelling reason to act sooner than later to take advantage of these opportunities.

Low rates notwithstanding, the banks, financial firms, brokers and other experts still advise homebuyers to practice smart borrowing – everything from putting down a larger down


7 S P E C T A C U L A R M O D E L ST A K E T H E T O U R T H I S W E E K E N D

Jefferson Forest continues to offer a wide selection of Freehold Townhomes all in an established community beside a 400+ acre nature preserve.

This could be your LAST CHANCE TO MAKE JEFFERSON FOREST YOUR NEW HOME COMMUNITY.

FREEHOLD TOWNHOMES EAST OFF YONGE NORTH OF GAMBLE

MODEL HOME GRAND OPENINGRICHMOND HILL

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

SALES OFFICE:

Mon. - Thurs. 1pm to 8pm,

Sat., Sun., & Hol. 11am to 6pm JeffersonForest.ca

VISIT US TODAY!

RICHMOND HILL

1,600 SQ. FT. TOWNHOMES

starting from the high $500s

2,000 SQ. FT. TOWNHOMES starting from the mid

$600s

FORE-JEF-A-AD-NHC-MAY8-1.indd 1 5/26/14 9:58 AM

Millard St

John Davis Gate

Bake

rhill

Blv

9th

Line

Hw

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Main St Stouffville

SITE LOCATION

SALES CENTRE

404

Mon to Wed: 1 – 7pmWknds & Hols: 11am – 6pm905-640-9999

$364900from

LOFT INSPIRED CONDO TOWNS

geraniumhomes.com

Summer is short enough. But with fabulous rooftop terraces, complete with handy BBQ hook-ups, enjoying the great outdoors is easier than ever!

Whatever your style — from cutting edge bold to laid back traditional — Uptownes at Cardinal Point also offers plenty of exciting interior design opportunities to suit every lifestyle and taste.

Uptownes are now under construction with our models opening this Fall!

3'-6" PARAPET

PRIVACY WALL

3'-6" PAPPRAPET

''5'55555 PPPPP PPPATAATATATATATATA IIOIOIOIOIOIOIO DDDDD DDDOOOOOOOOOOOOOOORRRRRRR

DDNRAILING

Within walking distance of theatre, parks,

art centre, shopping, dining GO Transit,

and more, Uptownes has everything

you love just steps from your door.

MECHROOM

Prices are correct at press time and are subject to change without notice. Speci c features are as per plan and series. Sq.ft. measurements are approximate. Map not to scale. See sales rep for details. The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E & O E.

UPTOWNES DELIVER AN EXCITING NEW TWIST TO TOWNHOME LIVING!

BILD 2014 P2G COMMUNITY OF THE YEARBILD 2012 HOME BUILDER OF THE YEARCHBA 2011 GRAND SAM AWARD WINNER

WELCOME TO THE GREAT OUTDOORS ...AND THE LIVING IS EASY!

SUMMER IS HERE...

Up to 380 sq. ft. of entertaining, dining and relaxing space complete with BBQ hook up!

Each spectacular

3-storey townhome includes a

private rooftop terrace for

sunny summer afternoons.

CONSTRUCTION HAS STARTED

Two Bedroom Designs 1,401 to 1,639 sq. ft.

D8-1094 NHG DPS Chicago Series -Terrace June 14, 14.indd 1-2 6/4/14 10:55:09 AM

The wait is over! Menkes Developments’ much anticipated designer townhome

community in the heart of Etobicoke-Humber Mews is now open. Humber Mews is a private and intimate townhome enclave just minutes from Hwy. 427, the QEW, Gardiner Expressway and one of Toronto’s finest shopping and lifestyle destinations, Sherway Gardens.

Tall, stately, elegant... these are words that aptly describe the collection of designer townhomes at Menkes’ Humber Mews community. A mere 66 pristine homes will be built in this intimate enclave at Evans Avenue and

Brown’s Line in convenient and central Etobicoke. Featuring three grand storeys, each townhome represents meticulous design and finishing; majestic architecture coupled with opulent features and finishes to create a truly polished home for people who appreciate the finest things in life.

Humber Mews offers one of the best locations in the city. A fast growing area with fantastic amenities surrounded by parks, schools, recreation and shopping, downtown Toronto is just minutes away by car and yet, this dignified community retains a neighbourhood ambience that is welcoming and friendly. Just down the

//COVER STORY

Now open

LOCATION Etobicoke

HOUSING TYPE Townhomes

SALES CENTRE: 2 Holiday Dr., open Monday to Thursday from noon to 7 p.m., and weekends and holidays from 11 a.m. to 5 p.m.; closed on Fridays.

CONTACT 416.259.2525 menkes.com

MENKES’ HUMBER MEWS TOWNHOMES IN ETOBICOKE


MENKES DEVELOPMENTS | Humber Mews

street is one of the city’s most popular shopping malls, Sherway Gardens, which is currently undergoing a $400-million transformation project and will house the top luxury stores and brands in the city. Just a short distance, the Queensway offers residents of Humber Mews a wonderful selection of stores, entertainment, cinema and dining options.

Transportation options abound: Long Branch Go Station is less than a five-minute drive, the Kipling subway station is a short drive or bus ride away, the local transit is right outside your door and the QEW, Gardiner and 427 are easily accessed from Evans Avenue.

Humber Mews offers unique product designs to suit a variety of tastes and budgets. Priced from $480’s, these smartly-designed open-concept three bedroom, 2.5-bathroom, three storey homes range from 1,266 to 1,676

sq. ft. Some layouts have basement options that provide additional space. Each home features a spacious patio or backyard as per plan and gorgeous exteriors with brick and stucco set along a harmonious, pedestrian-friendly streetscape. The community also offers secure underground parking.

The homes are embellished with an exceptional array of fabulous features and finishes, including nine-ft. ground floor ceilings, four stainless steel kitchen appliances, stacked white washer and dryer, granite kitchen counters, laminate flooring in a natural finish in living and dining rooms, upgraded casings and baseboards and much more. For a limited time, purchasers will receive oak stairs and décor upgrades in addition to these outstanding standard features. Please visit the sales centre to enquire.

In addition to a wide array of

fabulous features and finishes, Humber Mews offers a flexible deposit program with only a $5,000 initial deposit. Please see a sales representative for details.

Humber Mews shares the presentation centre with Menkes’ modern townhome community, Dwell City Towns, located in Etobicoke. Dwell City Towns offers a variety of two- and three-storey designs starting from the high $300’s.

The presentation centre for both Humber Mews and Dwell is located onsite at 2 Holiday Dr., off West Mall, north of Burnhamthorpe, Etobicoke. The sales office is open Monday to Thursday from noon to 7 p.m., and weekends and holidays from 11 a.m. to 5 p.m.; closed on Fridays. Call 416.259.2525 or visit menkes.com for more information.


GREATGULF.COM

live greatly.Experience the Great Gulf Difference across the GTA and beyond!

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• Live at Brampton’s most prestigious location

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wEsTFiELd, bRAMPTOnBradford’s Best Selling Community!Award-winning homes up to

$300,000 less than the GTA!

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Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area. Sales office hours: Sat. & Sun. 11am - 6pm • Mon. - Thurs. 1 - 8pm • Closed Fri. • Niagara hours: Sat. & Sun. 12pm - 5pm • Mon. - Wed. 2 - 7pm • Closed Thurs. & Fri.

First Release Now Availableat Mississauga Rd. and Steeles!

38 Ft. Detached 2,080 - 2,185 sq. ft. from

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Chinguacousy R

d.

Mississauga R

d.

Hwy. 407

SALES OFFICE: 8540 Mississauga Road, Brampton 905.866.6876

Bovaird and CreditviewWalk To Mount Pleasant GO Station

• Lots up to 130 feet deep

• Side door entrance with additional staircase to basement

• Brockport Home construction for assured precision building

• 40’ Lot homes that offer more natural light

Bovaird Dr.

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Williams Pkwy.

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ld R

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SALES OFFICE: 9806 James Potter Road, Brampton (905) 459-5772

34 Ft. Detached1,945 - 2,685 sq. ft. from

40 Ft. Detached2,630 - 3,600 sq. ft. from

$530’s

$630’s

• Fully established, award winning community; home to more than 800 families

• Surrounded by schools, neighbourhood parks, and every one of your favourite retail locations

• More than 60 acres of protected open space with miles of integrated walking and biking trails

• Just 10 minutes from the GO Station

• Established neighbourhood close to every amenity

• Just 90 minutes from Toronto

• Discover the Niagara Lifestyle – more than 50 golf courses and 75 wineries, shopping, biking and more.

• Minutes to the US border and Buffalo International Airport

SALES OFFICE: 22 Downy Emerald Drive, Bradford (905) 775-3461

SALES OFFICE: 1 Sunset Way, Thorold (905) 680-0841

36 and 40 Ft. Detached1,465 - 2,740 sq. ft. from

35 and 42 Ft. Detached1,580 - 3,015 sq. ft. from

50 Ft. Detached 1,880 - 4,010 sq. ft. from

50 Ft. Detached 2,130 - 3,095sq. ft. from

$470’s$300’s

$630’s$350’s

Hw

y. 40

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n

» by HOWARD BOGACH

MYHOME: the simplest way to manage your new home warranty

//TARION REPORT

Tarion has continued to evolve over the past few years to help us better serve the hundreds of thousands of homeown-ers who have purchased new homes across Ontario. Owning a home comes with a great deal of responsibility, and keeping track of all the tasks involved can be complicated. This is why we are always striving to make managing your home’s warranty more convenient. Tarion is constantly updating our online service, called MyHome, which is designed to help homeowners stay on track when it comes to their warranty coverage.

Just about all new houses and condominiums in Ontario come with a mandatory warranty that begins when you sign a purchase agreement, and lasts seven years from the date of first possession. This means that if you are a new homeowner, you have warranty protection, guaranteed by Tarion Warranty Corp.

MyHome is the simplest way to manage your warranty. As soon as you take possession of your home, you can register. The service allows homeowners to securely submit 30-Day, Year-End and Second-Year Forms. You can also view any submitted forms and official correspondence. Tarion will send you automatic email alerts so you don’t miss any important deadlines. This is crucial, because timing is essential when submitting warranty forms. Missing a deadline may delay – or even jeopardize – a claim.

This is not a new service – it has been in place since 2009. However, Tarion implemented a number of enhancements to MyHome in 2013. These include the ability to upload supporting documents to an account, such as photos, receipts and agreements, and a feature allowing

homeowners to schedule a conciliation inspection online. Tarion’s Accessibility for Ontarians with Disabilities Form is now available on MyHome for homeowners to complete and submit electronically. A live-chat customer support function was also added last year to help homeowners navigate MyHome as they use the site.

Over the years, we’ve seen a steady increase in homeowners using our electronic services to manage their warranty. Our most recent numbers tell us more and more homeowners are choosing MyHome, with the number of users jumping from 50,000 in 2012 to 73,731 in 2013. In total, 61 per cent of all warranty forms received in 2013 were through MyHome.

MyHome isn’t the only way Tarion has been improving and updating its services. In the past few years, we have been moving from a primarily paper-based organization to a more electronic-based one to effectively serve the needs of all our stakeholders. In 2013, we launched multiple social media channels as a way to engage new-home buyers. Our Facebook page offers valuable updates, educational materials about the warranty process and industry related information that is relevant to new-home buyers. Tarion’s YouTube channel includes online videos to help new homeowners navigate the warranty process. We even offer the Homeowner Information Package electronically, which helps ensure homeowners are always accessing the most recent version of this document.

So, if you’ve purchased a new home, sign up for MyHome to make managing your warranty easier. New home purchas-ers can register for MyHome by visiting tarion.com and following the MyHome link on the homepage. You will need to provide your home’s enrolment number and original date of possession (which is the warranty start date). This information is on the Certificate of Completion and Possession (CCP), provided by the builder.

If you have purchased a new home and your builder has not informed you about the mandatory new home warranty that you are entitled to, contact Tarion as soon as possible. You may be dealing with an unregistered builder, which is illegal in Ontario.

As always, if you have a question or would like more informa-tion about Tarion, visit tarion.com or find us at facebook.com/TarionWarrantyCorp. Finally, if you have some suggestions on how to improve our services, contact us through one of our various channels. Tarion welcomes your comments on how we can continue to improve our services.

HOWARD BOGACH is President and CEO of

Tarion Warranty Corp. His column appears monthly

in New Home Guide. For more information

about how Tarion helps new-home buyers, visit

tarion.com or find us on Facebook at facebook.com/

TarionWarrantyCorp.


//TAXING ISSUES

Building equity» by HENRY CHOO CHONG

HENRY CHOO CHONG, CGA, sits on many

committees and provides accounting and tax

services to individuals and businesses in the GTA. He can be reached at

416.485.5225. Questions to Taxing Issues can

be emailed to [email protected]

Q Currently, my wife and I are renting. However, we would like

to buy a home and build some equity. Can you offer some advice for a young, upwardly mobile couple? Geoffrey and Diane, Toronto

AThere are many investment vehicles that can give you healthy

returns. You do not necessarily have to buy a home to increase your wealth. However, a home is one of the only tax-free investments still available to the middle class. Buying a home is a long-term commitment and invest-ment. Today’s historically low interest rates make purchasing a home extremely appealing – particularly if your rent paid is greater than $1,000 per month. Why should you pay someone else’s mortgage?

CONSIDER THE FOLLOWING:›› Determine what you can afford and stick to that price. All

too often, buyers tour several homes and the only one they desire happens to be thousands of dollars over their budget. Remember, keep your head out of the clouds. Commit to a mortgage, not a stress asylum.

›› Shop and negotiate with several financial institutions for the best interest rate, terms and conditions. You may be surprised at how competitive the banks are for your mortgage business. Shopping for a mortgage can be as easy as a few clicks of your mouse.

›› Set a formal plan to help save for a first home. Sit down, plan the steps necessary to achieve your goals, and follow through!

›› Improve/maintain your credit rating by paying all your bills on time. One-day-late payments are still considered late. This could influence your negotiating power for the best mortgage.

›› Make sure current monthly mortgage payments are manageable and will continue to be so even when interest rates rise in the next several years and payments increase.

›› Put down as much as possible to avoid taking out a high-ratio mortgage that incurs additional cost and interest. A five-per-cent down payment on a home leaves little equity.

›› Set aside an additional three per cent of the purchase price of the house for closing costs such as Land Transfer Tax, legal fees and disbursements, moving costs and other incidentals. Speak to your lawyer who will be able to give you the heads up on what to expect.

›› Take advantage of the first-time Home Buyers Plan (HBP) to use your Registered Retirement Savings Plan (RRSP) as part of the down payment. An individual and spouse, provided they qualify, may withdraw up to $25,000 each from their RRSP, tax-free, for a total of up to $50,000 toward your home and other purchase-related costs. If you have never used the HBP, contribute your savings for the home into your RRSPs and take advantage of the tax deduction. Then, use these savings for a down payment. You will have 15 years to repay the amounts to your RRSP, starting after the second year of your withdrawal.

Continue to follow the real estate market trends and buy when you are ready, not when the market is ready for you.


LIVE in the centre of TORONTO

SENSATIONAL SEMIS SUPERB SINGLE DETACHED

UP TO

$40,000 IN BONUSES*

SEMIS AND A SELECT NUMBER OF DETACHED

HOMES

$600’sStarting from the upper

Presentation Centre Hours:Mon. - Thurs. 1 - 8pm, Fri. by appt.

Sat., Sun. & Hol. 11am - 6pm

WWW.ARISTAHOMES.COM • 416-630-5039*Prices and specifi cations are subject to change without notice. Bonus, fi nishes and decor dollar amounts may vary per model type. See sales representative for details. Renderings are artist’s concept. Veneer risers and stringers. E. & O.E.

Exclusive court lots in the well-established Bathurst Manor neighbourhood, near Sheppard and Bathurst.

Buy now and receive:✔Granite Kitchen Countertop

✔Granite Countertops in Ensuite and Main Bath

✔ Appliance Package – Stainless Steel Fridge, Stove, Dishwasher and White Washer & Dryer

✔Air Conditioning

✔Stained Oak Staircase

✔P re-Finished Engineered Hardwood on Main(non-tiled areas)

✔Upgraded Trim Package

✔Upgraded Pickets and Handrail

ARIS-GOD-A-AD-NHC-MAY21-1.indd 1 14-05-27 9:25 AM

39

I t’s rare to find an infill community in central Toronto offering more than just a handful of new homes. And rarer still to find such a community just steps from acres of natural woodlands.

Yet, that’s exactly what Arista Homes is offering new-home buyers at Goddard on the Valley, an exclusive collection of 62 luxurious homes in the well-established Bathurst Manor neighbourhood of North York.

With nearly half of these exceptional homes now sold, the entire community is now under construction, with occupancies expected as early as this fall. A superb selection of semis and singles remains available, many situated on exclusive court lots, and will certainly not last long.

Each home at Goddard on the Valley is timelessly elegant, with architecture and interior design that exist in perfect harmony. The rear elevations are as attractive as the front elevation and, inside, not a single square foot has been wasted in the design of the floorplans.

ARISTA HOMES LOADS ON THE LUXURY AT GODDARD ON THE VALLEY

//COMMUNITY FOCUS

Semis and singles on exclusive court lots now include up to $40,000 in upgrades

LOCATION Toronto

HOUSING TYPE Semis and singles on exclusive court lots

SALES CENTRE 824 Sheppard Ave. W., open Monday to Thursday 1 to 8 p.m., Friday by appointment only, and Saturdays, Sundays and holidays 11 a.m. to 6 p.m.

CONTACT aristahomes.com

Vaughan Valley Estates model homes


ARISTA HOMES | Goddard on the Valley

Prices start from the upper $600’s, and for a limited time, Arista is also offering up to $40,000 worth of bonus upgrades. That includes granite countertops in kitchen and baths, a complete appliance package (including stainless steel fridge, stove and dishwasher), central air conditioning, stained oak staircase, and pre-engineered hardwood on the main floor. Also included is an upgraded trim package, upgrade pickets and handrail, and more.

Goddard on the Valley offers a truly exceptional location for this prestigious new enclave, with the privacy and prestige of a nearby ravine locale, along with all the accessibility and convenience of an urban home, right in the centre of the city.



The nearby ravine and trail system is an integral part of the Carscadden Greenbelt, and links to the West Don River Valley System – a wonderful place to explore on a sunny summer day. Here, you’re just a short stroll from this natural oasis, and conveniently close to all the amenities of the well-established Sheppard and Bathurst area nearby.

Situated near this major crossroads of North York, Goddard on the Valley offers every amenity. Shopping at Yorkdale, Fairview or the Sheridan Mall, all just minutes away. Surrounding you are restaurants, places of worship, hospitals, community centres, golf clubs and tennis more. You’re close to the Downsview subway station (and convenient to the Yorkdale and York Mills stations, too), along with enjoying quick and easy access to Hwys. 400, 401 and 404, not to mention the Allen Expressway.

Arista Homes is an award-winning company that has proudly built more than 8,000 new homes across the Greater Toronto Area. The company mandate has always been to deliver value-rich features to its homebuyers, combined with uncompromised building efficiency and quality.

At the Arista Homes Decor Store, purchasers can choose from a vast selection of flooring options, state-of-the-art plumbing fixtures, designer kitchen cabinets, elegant window coverings, functional closet organizers, creative lighting options and much, much more… everything you need to personalize your new home at Goddard on the Valley.

The Goddard on the Valley Presentation Centre is open at 824 Sheppard Ave. W. Hours are Monday to Thursday 1 to 8 p.m., Friday by appointment only, and Saturdays, Sundays and holidays 11 a.m. to 6 p.m. Visit aristahomes.com for more information.


//MORTGAGE ADVICE

» by ALYSSA RICHARD

Over the past several weeks, we saw mortgage rate wars continue in Canada, as different lenders all tried to get a bigger piece of the spring real estate pie. First, Investors Group offered a three-year variable of just 1.99 per cent. Then Scotiabank dropped its five-year fixed down to 2.97 per cent, which was the lowest among the big banks. Finally, on ratehub.ca, we saw five-year fixed rates vary from 2.99 per cent in Quebec to 2.84 per cent in British Columbia.

It seems odd that lenders can all offer such different rates, right? I mean, if five-year fixed mortgage rates are driven by five-year government bond yields, how is it possible for mortgage rates to vary from lender-to-lender – es-pecially from province-to-province? As it turns out, the answer is fairly simple.

Individual lending institutions set their rates based on what their profit objectives are, how much competition they have and what their marketing strategy is. We’ve seen how this works on a national level, when one of the big banks launches a new low rate before the other big banks, so they can get some press and gain a little more of the market share.

On a provincial level, though, we often forget how many credit unions and small lenders exist in only one province. And if a small lender in one province sets a new low rate, there’s no reason for small lenders in other provinces to follow suit because they are not direct competitors.

Finally, on a city level, it can also become a classic case of supply and demand. For example, in a city such as Toronto, where there’s a greater demand for housing and thus mortgages, there’s

a need for lenders to supply the lowest mortgage rates, so they can compete for a portion of the market share. However, in comparison to somewhere like Yellowknife, where there are significantly fewer people, homes and real estate transactions, buyers have fewer lenders to choose from, so lenders can charge higher interest rates.

On top of the role lenders play, you also need to consider what the mortgage brokers who work with each individual lender choose to do with their commission. Some brokers choose to keep the full commission, and others decide to split it with clients in the form of a lower rate.

What does all this mean for you? If you’re thinking of buying a home this year, don’t just walk into your bank and accept the rate they offer you. Work with a mortgage broker who can find the best mortgage rate and product for you.

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.

Why mortgage rates vary from lender to lender

Individual lending institutions set their rates based on what their profit objectives are, how much competition they have and what their marketing strategy is.


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43

Want to buy a new home, but too anxious to wait for it to be built from the

ground up? If you act soon, you can become a Brookfield homeowner this year and save big with up to $15,000 off inventory homes in Alliston, Bowmanville, Bradford or Caledon East.

You can choose from a variety of homes that are currently under construction with a wide range of 2014 closing dates. If you hurry, you can still enjoy selecting your interior finishes and make your home truly your own on select inventory homes in one of our

master-planned communities. Purchase with peace of mind knowing that all homes come with superior finishes, excellent workmanship and convenient closing dates, all things you would want in your new home.

SAVE MORE WITH BROOKFIELDCheck out Brookfield’s special limited-time promotions in one of the following master-planned communities:

› At Treetops in Alliston save on inventory homes and move in this year. With a variety of designs from semis to 49-ft. homesites Treetops is

the ideal community for all families. Many homesites are just steps away to the seven-acre community park. Enjoy living beyond your backyard and saving more for what matters. Prices begin from just the mid $300’s. Hurry in for preferred lot selection.

› At BrookHill in Bowmanville take advantage of up exceptional inventory savings and selection with many of the 32-ft. homes fronting BrookHill’s community park. Save up to $10,000 on these stunning open-concept plans which provide an exquisite selection of

//COMMUNITY FOCUS

SUMMER SAVINGS WITH BROOKFIELDMove in this year and save big


“�You�can�choose�from�a�variety�of�homes�that�are�currently�under�construction�with�a�wide�range�of�2014�closing�dates”

BROOKFIELD RESIDENTIAL | Multi-site

features and finishes in bungalow or two storey designs with two car garages. The 32-ft. singles start from the mid $300’s.

› At Grand Central in Bradford, you can become a homeowner this year and save up to $15,000 on an inventory home, if you act soon. With more than 10 inventory homes to choose from, many homesites come with walk-out basement conditions and back onto the creek for added privacy. Sizes range from 1,552 to 3,340 sq. ft., and prices begin from the $500’s. Whichever home fits in with your lifestyle plans, you can save big by buying soon.

› At Pathways in Caledon East, take $10,000 off selected townhomes.

First-time buyers can also take advantage of Brookfield’s Smart Start Program that enables you to purchase with a five-per- cent deposit.

› At Fieldstone in Mono, receive $15,000 in Dream Dollars at Brookfield’s Inspiration Studio. You will find new 60-, 70- and 80-ft. homesites to choose from.

Brookfield Residential has built more than 25,000 homes in Ontario since 1956, and has earned several highly coveted industry recognitions including the JD Power and Associates Award for Highest in Customer Satisfaction and Ontario Builder of the Year from OHBA and Tarion. For more information on Brookfield Residential’s fine communities, visit brookfieldhomes.ca


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newhomeguide.ca

//INSURANCE NEEDS & OPTIONS

...continued on pg 50

Like all insurance premiums, how much you pay for home insurance depends on a number of factors related to risk. Insurers analyze these risks, and figure out how likely it is that you – or a group of people with the same set of circumstances – will make a claim, and how much that claim will cost.

THESE FACTORS TYPICALLY AFFECT WHAT YOU PAY FOR HOME INSUR ANCE:» Where you live Insurers keep records about such items as the number, type and cost of claims by neighbourhood. They can tell from past experience what the circumstances are in your neighbourhood, and how likely it is that you will have to make a claim. For example, if you live in an area where most people commute to work and homes are left unoccupied during the day, the statistics may show your neighbourhood has more

HOW TO ESTIMATE YOUR

home insurance premiums

break-ins. The cost of home insurance, therefore, varies from neighbourhood to neighbourhood, from city to countryside, and is based on knowledge and experience.

» Proximity to water Insurers are concerned about fire, and will look at how far your home is from a source of water (fire hydrant, fire station). If you live in an urban area, this is generally not a problem. If you live in the country and the distance is great, however, this will influence the cost of your home insurance. The sooner a potential fire can be put out, the lower the cost of restoring your home.

» Replacement cost The factor that will make the biggest difference in the cost of your home insurance is simply the size and composition of your house – as well as your contents. The larger the home and the more contents you have, the more it will cost to replace. In addition to the square footage, insurers take into account such matters as the quality of construction used to build your house, as that can vary greatly from home to home.

» Heating Not usually an issue with new homes, oil tanks have the potential for causing costly environmental hazards, so your insurance representative will ask questions about the age and condition of your tank. There is far less risk with forced-air gas furnaces or electric heat, so you may pay more for your home insurance if your home is heated by oil.

48 48 NEW HOME GUIDE GTA | JUNE 14 - 28, 2014

Insurers analyze these risks, and figure out how likely it is that you – or a group of people with the same set of circumstances – will make a claim, and how much that claim will cost.

//INSURANCE NEEDS & OPTIONS...continued

» Electricity There are several factors concerning electricity. Do you have breakers or fuses? What is the flow of electricity coming into your house? And what kind of wiring do you have? Insurers know from experience that breakers pose less risk than fuses, and that a minimum of 100-amp service is better than a lower level of service, as a lower amp can lead to overloading and fire.

» Pipes Galvanized or lead piping usually means that the plumbing is older, and older plumbing is more likely to crack, leak or run into other problems. Insurance companies generally prefer homes where the plumbing is made of copper or plastic.

» Age of roof Not usually an issue with new homes, insurers generally prefer a roof that has been updated within the last 20 years. Some policies will pay only depreciated values, as low as 25 per cent of the replacement cost, for damaged roofs that are near the end of their designated service life.

» Other uses of your home Insurers will want to know if you have built or are planning to build a secondary rental suite in your home; begin operating a business there; or make any other significant alterations to the structure or the way your home is used.

» Other factors Insurers will ask if you have a security alarm and a fire alarm, and whether they are monitored by an outside service. They will also want to know if you have a swimming pool and other structures on your property, such as pool houses or storage sheds, that are worth more than 10 per cent of the insured value of your home.

» Basic or full coverage Once all of the above is taken into consideration, you can choose the types of coverage you’d like – which will also influence the cost you pay. While there are government regulations dictating how much insurance drivers must have, there are no such laws when it comes to home insurance. The only requirement may be one set by your bank or mortgage holder. From there, it’s up to you to decide whether you prefer basic or more comprehensive coverage. And this is something your independent insurance representative can help you with.

THE FOLLOWING FACTORS TYPICALLY DO NOT AFFECT WHAT YOU PAY FOR HOME INSUR ANCE:» Gas versus electric appliances

The types of appliances in your home do not affect the cost of your home insurance.

» Brick exterior versus aluminum siding Most insurance companies do not use type of construction as a rating factor when calculating home insurance premiums. However, construction type is used when calculating the building replacement cost (what it would cost to rebuild the dwelling with materials of like kind and quality, if it were destroyed).


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51

Canadians have never been more interested in owning foreign property than now. Whether it’s to plan for retire-ment, generate additional income or have a vacation place of your own, we are often drawn to homeownership at our favourite destination.

Thanks to low interest rates and a stable economy, Canadi-ans have the upper hand and the world knows it.

However, homeownership in another jurisdiction means a slew of considerations that are complex and at times overwhelm-ing. In the U.S., for example, there are estate tax issues that come up, and you may require a specially designed Trust to avoid Uncle Sam as a partner with you or your kids after death.

There are issues of law if the country does not have a British system and if it’s run on civil or Napoleonic law; Martinique and St. Martin are examples. There may be other issues of property ownership such that foreign nationals may only be able to lease, not own.

The next issues relate to the vendor. Are you purchasing from a reputable organization? If it is a condo, how are you sure the developer will be around if things go wrong? What guarantees are there on your deposits if they go broke and does not finish the project?

It sounds like a lot to think about… but it was so easy to sign up during the tour. So, really, what are you buying? Are you buying a timeshare, outright ownership or a long-term lease? More and more questions.

Here is a list of a few questions that need to be answered on a preliminary basis on a resort or new condo purchase before you make any offer:1. Location – why are you choosing this location

for a second home?2. How much time will you spend in a typical year

in your second home?3. Will you typically bring friends and family?4. What are the common fees and how are they

set and controlled?5. What are resales like for the development?6. What is the legal structure and laws that apply in

the country you are looking at purchasing?7. Would you rent the property, and if yes, what are

your expectations and needs on rental income?8. What security is there for deposits and payments?

//LEGALLY SPEAKING

JAYSON SCHWARZ LL.M. is a Toronto real estate lawyer and senior partner in the law firm Schwarz Law LLP. If

you have a topic in mind, mail, deliver or fax letters

to the magazine or to the firm, email

([email protected]) and give us your

questions, concerns, critiques and quandaries.

» by JAYSON SCHWARZ

CONSIDERATIONS FOR BUYING

foreign property Here is the litmus test to go forward:A. How did the resort or sales centre

answer those eight questions?B. Did they satisfy you with their

knowledge and professionalism?C. Did they try to push you into signing

something without the opportunity to consult with a lawyer?

If those questions are answered to your satisfaction, then you know you are in the right place.

If you have an intention to buy, make inquiries and find a lawyer, possibly a referral from your lawyer or friends at home. You need to understand the tax implications of a purchase, and more importantly, the tax impact if you sell for a profit or earn income. As an example, Barbados is a Canadian tax treaty partner and you may get favourable consideration on a capital gain or on rental income. Each country is unique and you need a lawyer or accountant to help you figure it all out.

Buying a second home in a warm locale is a dream many Canadians share. If the deal is properly structured, the home you purchase can bring years and years of happy memories and quite possibly a great return down the road. Good luck.


www.schwarzlaw.ca*Certain Terms and Conditions shall apply. Full disbursement disclosure.

BUYING, SELLING OR REFINANCING

A HOME?YOU NEED A LAWYER

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Edilcan freezes Development Charges at 2013 levelsHOMEBUYERS AT TRIUMPH ENJOY SUBSTANTIAL COST SAVINGS IN FACE OF NEARLY 80-PER-CENT INCREASE TO MUNICIPAL DEVELOPMENT CHARGES

//IN THE NEWS

Edilcan Development Corp., one of Toronto’s leading residential condominium builders, has taken a bold step to cap municipal develop-ment fees for homebuyers at its One Valhalla Development, a master-planned Etobicoke residential community consisting of condomini-um townhomes and three towers – Valhalla, Thunderbird and Triumph.

To shield buyers from municipal Development Charge increases set to reach nearly 80 per cent by 2016 – a radical change in rates that would have increased closing costs for units by as much as $6,000 for one-bed-room suites and nearly $8,800 for two-bedroom suites – Edilcan took the unprecedented step of securing all necessary above-grade and foundation building permits, completing architec-tural drawings and paying required Development Charges and park levies earlier this year, prior to the first Development Charge increase. The developer’s financial leap of faith effectively freezes rates at 2013 levels.

Edilcan’s move was significant because condominium Purchase and Sale Agreements specify that any increase in fees, such as park levies or Development Charges incurred from the time of initial receipt of deposit to the f inal closing, are the sole responsibility of the buyer. The final cost of a condominium property is ultimately determined by develop-ment charge rates at the point when above-grade construction permits are granted to a developer.

Aware of the price sensitivity of many of its homebuyers, Edilcan acted to obtain these permits in advance of rate hikes and prior to commencing sales, even though

developers typically request permits and start construction only when a project is at least 75 per cent sold. Given the often-lengthy period between initial receipt of deposit and ground-breaking on a project, shifts in Development Charges can add thousands to the f inal price of a condo.

As this area of Etobicoke experiences a mini condo boom, Edilcan is the only builder in the GTA able to provide this level of cost savings and added value to its homebuyers, while also helping to ensure potentially stronger home-value appreciation and resale profits.

“Edilcan is extremely cognizant of the fact that homebuyers can’t afford thousands of dollars in extra costs related to increasing municipal development charges,” says Edilcan vice-president GianPiero Di Rocco.

“Given our experience having already built two condominiums at this site, we felt comfortable taking swift action to effectively cap city Development Charges, ensuring there will be no further increases to our current or future purchasers at Triumph,” he adds. “We felt that assuming this kind of financial risk was the right thing to do in order to provide peace of mind to our new Triumph homebuyers.”

The 29-storey, 298-unit Triumph building is currently in pre-construction sales and is more than 50 per cent sold. Occupancy is slated for late 2016 and prices begin in the low $200’s with parking and locker included. For more information about the One Valhalla Development, visit triumphcondos.com

The following is the City of Toronto’s development fee increase schedule:

Schedule A: Adopted Rates and Phase-in

Development type:

Nov 1/13 Feb 1/14 Aug 1/14 Feb 1/15 Aug 1/15 Feb 1/16

% Increase phased-in

0% 32% 23% 15% 15% 15%

Residential ($ per unit)

Apts 2+ Bedrooms

12,412 15,225 17,247 18,566 19,884 21,203

Apts 1 Bed and Bachelor

8,356 10,402 11,872 12,831 13,790 14,749


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

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

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

Search yourfavourite neighbourhood

Find out about nearbyservices and amenities

View new construction projectsand register to get the latest info

We think fi nding a home is a lot more than simply fi nding the right property.That’s why we put you right in the middle of the search process.

IN THE MARKET FOR A

NEW HOUSE OR A CONDO?

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IN THIS SECTION

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

Showcasing new homes in the GTA’s central and north regions

June 14 - 28, 2014

» by GEORGE E. DUBE

//THE TAX MAN

GEORGE E. DUBE, CA, CPA, LLP, is a

veteran real estate investor, author, and speaker on

real estate accounting who is a partner in the firm,

Dube & Cuttini Chartered Accountants LLP. He also developed the accountant

in-a-box program for real estate investors, and is a member of the Real

Estate Investment Network (REIN) Faculty.

[email protected]

@dubecuttini.com1.877.475.3823

TFSAs – take care with recontributionsFor real estate investors, the tax-free savings account (TFSA) represents an opportunity to begin to assemble a war chest for future investments, while investing the funds on a tax-free basis. But be aware of recontribution rules – A costly mistake that 72,000 Canadians made in 2010.

Generally speaking, your contribu-tion room to a TFSA is set at $5,500 per year as of 2013, cumulative. So, after three years, you can contribute $16,500 to your TFSA in total, if you started in 2013. The beauty of the TFSA is you can take the funds out and recontribute the same amount without losing any contribution room. In other words, you can take $4,000

out, recontribute the same and invest on a tax-free basis within the TFSA.

A catch is that the recontribution must be done in the next calendar year. Otherwise, it’s treated as an overcontri-bution and penalized significantly.

FOR EX AMPLE:2009 – $5,000 (contribution)2010 – $5,000 (contribution)<$3,000> (withdrawal)2011 – $3,000 + $5,000 (contributions)

During the summer of 2010, Canada Revenue Agency recognized that a huge number of Canadians, 72,000 to be exact, misunderstood the rules which were generally thought to be poorly described to begin with. CRA provided leniency in most cases. But don’t expect this leniency in the future.


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AURORA TRAILS in Aurora

//IN THE NEWS

Aurora Mayor Geoff Dawe was the special guest of honour at a recent ribbon-cutting ceremony at Aurora Trails, marking the official launch of the spectacular new master-planned community.

Under sunny skies, Mayor Dawe cut the red ribbon, in the company of other town councillors and dignitaries, along with the four award-winning builders behind Aurora Trails.

On the weekend of June 7 and 8, all four builders opened their sales centres to thousands of people who had already registered in advance to preview this prestigious new community.

Arista Homes, Fieldgate Homes, Paradise Homes and Opus Homes are offering a huge selection of luxury singles, semis and townhomes, starting in price from the upper $400’s. Nowhere else in Aurora will you find four builders working together to offer such a spectacular range of homes.

Prospective buyers were encouraged to browse at their leisure during the Open House weekend, but no offers to purchase were accepted.

Instead, buyers were to go online beginning June 8 to arrange a purchase appointment with their builder of choice. Once there, they can talk to a sales representative and financing representative.

The builders have been working many months, both individually and together to ensure that each new home design is fresh and innovative, with a choice of fabulous exterior elevations and family-friendly floorplan options. They’re all coming together in a community comprised of streetscapes that offer variety but also consistency, with homes that are all beautifully compatible with one another.

The builders have also worked hard to develop their purchase appointment process, so that their buyers can avoid lineups and the high pressure atmosphere of many new community launches.

Aurora Trails is a thoughtfully conceived master-planned community just minutes from Aurora’s best shopping, restaurants and entertainment, including schools, parks and golf courses. The neighbourhood is conveniently close to GO Transit and major highways for easy access to all points within the GTA.

The Town of Aurora is committed to creating a healthy, vibrant and sustainable community for all of its residents… and the builders of Aurora Trails are as well. More than 40 per cent of the community will be set aside for public greenspace, including parklands, environmental protection areas, storm water management ponds, and linked greenlands with an extensive trail system winding its way throughout Aurora Trails.

The portfolio of new homes at Aurora Trails has been designed to meet and exceed homebuyers’ expectations, in a family-oriented and pedestrian-friendly community that is a great place to move up to.

For more information, visit auroratrails.comAurora Mayor Geoff Dawe


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LORM-LAV-A-AD-NHC-JUNE4-1.indd 1 14-06-04 12:19 PM

//IN THE NEWS

CANADIANS STILL OPTIMISTIC

about housing market: BMOAccording to the 2014 BMO Housing Confidence Report, 44 per cent of homeowners intend to buy a property in the next five years. This represents a slight drop from 2013, but still signals a high level of confidence in Canada’s housing market – particularly among those under 30 years of age.

However, results vary widely in Canada’s major city centres:» Intent to buy has surged in

Montreal, with 63 per cent planning to purchase a property in the next five years – up 13 points from last year

» Half of those in the Greater Toronto Area (51 per cent) plan to buy in the next five years, a decline of eight points from 2013

» Further west, intent to buy in Calgary is up five points to 54 per cent, while Vancouver is down four points to 54 per cent

» After seeing an increase of 15 points last year, Atlantic Canada dropped notably; intent decreased by 18 points to 29 per cent.

“The dip in overall intent could reflect expectations of higher interest rates, while the drop in the GTA likely reflects concerns about valuations and a possible price correction,” says Sal Guatieri, senior economist, BMO Capital Markets. “The improvement in buyer confidence in Montreal should help to absorb a moderate overhang of condos in that market.”

After seeing an improvement in affordability between fall 2012 and spring of last year, this measure has flattened in 2014, with 45 per cent of homeowners cutting back or dipping into their savings to pay their mortgage.

“Seeing consistency in terms of affordability year over year is encouraging, however, interest rates are likely to begin moving up in the near future, resulting in households potentially facing some strain down the

...continued on pg 6462 NEW HOME GUIDE GTA | JUNE 14 - 28, 2014

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12 Month Price Expectations

(Per Cent)

REGION

Spring 2014

Spring 2013

+2.3 +1.8 +3.0 +3.0 +2.9 +1.3 +2.4 +0.3 +3.1 +3.5 +1.6

+2.2 +1.2 +1.9 +3.0 +2.4 +2.2 +2.5 +2.5 +2.4 +2.1 +1.5

NATIONAL BC AB MB/SK ON QC ATL MONT GTA CAL VAN

road,” says Sameh Elrefaei, head of mortgage products, BMO Bank of Montreal. “It’s important that Canadians make responsible choices when financing their home, and part of that is stress testing against a higher rate to ensure affordability remains stable.”

Elrefaei adds that for Canadians looking to buy a home – particularly first-time buyers – choosing a fixed rate mortgage and a lower amortization period can help to increase financial stability.

The report, conducted by Pollara, tracks confidence in Canada’s housing market among Canadian homeowners by measuring intentions to buy or sell, price expectations and overall mortgage affordability.

YOUNG CANADIANS MOST LIKELY TO BU Y; INVESTMENT PROPERTIES MORE ATTR ACTIVE IN 2014› Overall, intent to buy a property is highest among younger Canadians. Three-

quarters (75 per cent) of those between the ages of 18 and 29 plan to buy in the next five years, along with 67 per cent of homeowners aged 30 to 39.

› While more than half (54 per cent) of those considering a property purchase in the next five years are looking at houses, this is down eight points from 2013. Subsequently, the intention to buy a condo is up five points to 22 per cent.

› As with 2013, 10 per cent of those planning to buy are looking at recreational properties. Meanwhile, nine per cent plan to purchase an investment property, up three points from a year ago.

PRICE SENSITIVITY AND EXPECTATIONS: HOMEOWNERS EXPECT MODEST INCREASES IN PROPERTY VALUE› Nationally, a 15-per-cent rise in

prices would dampen plans to buy in the next five years by eight points (44 per cent to 36 per cent), showing that property values would have to rise sharply for long term buying intent to cool significantly

› On average, homeowners expect property values to grow by 2.3 per cent in the next year, and 13.2 per cent over the next 10 years.

PERCENTAGE OF MORTGAGE HOLDERS DIPPING INTO SAVINGS DECREASES IN 2014› The number of those dipping into

their savings to afford their mortgage payments in the past year has decreased by three points to 12 per cent. Furthermore, this measure has decreased by five points since 2012.

› Additionally, the total percentage of mortgage holders needing to cut spending to make their payments has stayed flat year over year.

› However, mortgage holders who have needed to cut appear to be doing so in the appropriate places, with a four-point increase in those decreasing their spend on vacations.

According to the 2014 BMO Housing Confidence Report, 44 per cent of homeowners intend to buy a property in the next five years.

This represents a slight drop from 2013, but still signals a high level of confidence in Canada’s

housing market – particularly among those under 30 years of age.


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SALES OFFICE:4950 Baseline Road,

Sutton, ON, LOE 1RO1.877.455.0201

Prices and speci� cations are subject to change without notice. E. & O.E.

With a population of 5,000, Sutton is a closely knit community and part of the Town of Georgina. The town of

Keswick is just a 10-minute drive where you’ll � nd big box retailers such as Wal-Mart, Home Hardware, Food Basics,

Fresh Co. and other retailers to satisfy all your shopping needs. It’s all just minutes from Highway 48, and minutes

from the new 404 extension at Ravenshoe Rd., with Toronto less than 40 minutes to the south.

$389,990IT’S ALL ABOUT FINDING THE RIGHT BALANCE

AND A PLACE TO LOVE

FANTASTIC LOCATION& UNBELIEVABLE VALUE

IN SUTTON

ft. Lotsstarting from

40ft. Lots36

All renderings are artist concepts.

36 ' Windsor Gate Elevation A 40' Windsor Hall Elevation B

BALL-JUB-A-AD-NHC-MAY21-1.indd 1 14-05-21 2:44 PM

//IN THE NEWS

Friday Harbour Resort on Lake Simcoe has officially opened a new sales centre in Vaughan. Visitors can now tour the pavilion situated on the property of Eagles Nest Golf Club at 10,000 Dufferin St. in Maple.

The relationship between Eagles Nest and the 18-hole championship course (called The Nest) – both of which were designed by Doug Carrick – was a key factor for locating the new sales centre. “In addition to magnificent golf and dining, Eagles Nest has a high level of customer service – all of which helps our buyers to envision what we are creating at Friday Harbour,” says Earl Rumm, spokesperson for the resort. “We also wanted to bring the resort experience to a location that is convenient and accessible for the majority of our purchasers who reside in the GTA.” The Nest is currently being built at Friday Harbour in Innisfil, just south of Barrie.

At the sales centre, the expanse of the 600-acre community is easily understood, with the aid of a 12-by-eight-ft. topographic scale model. The model itself took more than 1,000 person-hours to complete, and is a true representation of the entire resort. Using key lighting within the model, visitors will see the positioning of all the amenities and their relationship to each other. Press one button and the golf course will light up; another will focus on the marina with up to 1,000 boat slips, as well as the shops and restaurants along the waterfront. Friday Drive, the main road into the resort, is shown winding through the 200-acre nature preserve towards the resort homes and the marina village, which is destined to become the hub of the new community. Other highlighted areas are the new sand beach with volleyball nets and designated swimming area; the beach n’ tennis club; and the

Lake Club with beautiful infinity swimming pool overlooking the lake. These areas and the wide variety of planned activities and entertainment will combine to make Friday Harbour a true all seasons resort.

In a separate room, a second scale model displays the first phase of the Boardwalk Condos and Harbour Flats and their connection with the shops, galleries, restaurants and cafes that will line the harbour. This model illustrates the building architecture and exterior materials, depicting indoor and outdoor living spaces and landscaping at a high level of detail.

The sales centre is designed and furnished by Dee Dee Taylor Eustace, of Taylor Hannah Architect Inc. (with offices in Toronto and New York City). Taylor Eustace has interpreted the look and feel of the finished resort – both inside and out – drawing on her familiarity with The Hamptons. Materials that will adorn Friday Harbour’s buildings are used to face the exterior. Inside, fully detailed room settings are composed of a rustic, seaside theme blended with stylish, contemporary elements. A deep blue/gray was specifically chosen as the signature colour to anchor all the major components of Friday Harbour. The room vignettes combine soft greys, whites and textures. The galley kitchen is stylish with flat-fronted modern cabinetry, stainless steel appliances and a bar-height counter – the perfect space to cook and entertain. Furniture on display, also designed by Taylor Eustace, will be offered as a simple upgrade package to purchasers who are seeking a turnkey option.

In conjunction with the opening of the sales centre, the first release of the spectacular Marina Towns and Island Towns will be made available. These new towns expand the range of purchase options, which includes Boardwalk Condominiums along the waterfront and Harbour Flats nestled behind. Marina and Island Towns come with a private boat slip, a garage and two or three levels of living space, depending upon model selected. Marina and Island Towns start from the upper $700,000s and range from 1,498 to 4,601 sq. ft. Boardwalk Condos and Harbour Flats range from 433 to 1,582 sq. ft. with prices from the mid $200,000s to the low $800,000s.

The sales centre is located at 10,000 Dufferin St. (just north of Major Mackenzie). Visit fridayharbourresort.com or call 647.351.0991 or 1.855.351.0991. Hours are Weekends 10 a.m. to 6 p.m.; Tuesday to Friday 11 a.m. to 7 p.m. and by appointment on Monday.

Friday Harbour SALES CENTRE

NOW OPEN


Phase 2 Now Selling

“THE FUJI“ MODEL

For further information contact:

MANCINI Homes Ltd.

452 Nineteenth AvenueRichmond Hill, ON L4E 3P7

FEATURING EXECUTIVE

MANCINIH O M E S LT D .

where tradition and innovation meet

TWO STOREYS & BUNGALOWSStone and Brick Veneer • Hardwood Floors

Oak Stairs • Walkout Lots Walking Distance to Lake Head University

905-773-9997 | mancinihomes.ca | [email protected]

“THE ALPS” MODEL

“THE FUJI“ MODEL

Lifestyle in Orillia Lifestyle in Orillia Lifestyle in Orillia


Four things Canadians would rather do than think about insuranceWhen it comes to thinking about insurance, new research has found that there are a lot of unpleasant tasks Canadians would rather do in place of researching coverage options. A recent survey commissioned by TD Insurance found that 62 per cent of respondents would prefer to shovel snow, spend a Saturday doing laundry, go to the dentist or even wait in an airport security line rather than think or talk about insurance coverage.

The national survey also explored Canadians’ ability to estimate risks and the likelihood of certain events. The findings indicate that as a group, Canadians generally underestimate risks. For example, the survey found that 81 per cent of participants underestimated the likelihood of a home break-in, which is about 1 in 200 according to Statistics Canada. Furthermore, two-thirds (67 per cent) of those surveyed reported seeing themselves as more safety conscious than the rest of the population, even though statistically this can’t be the case.

“When the probability of risks are not well-known it can be difficult to seek out insurance coverage that offers

the right protection,” says Craig Richardson, vice-president at TD Insurance. “We encourage customers to talk to their insurance providers to better understand their coverage. We strive to help customers weigh options against risks and factor in the necessary considerations to choose coverage that best reflects their needs.”

The survey found that respondents were as likely to overestimate potential risks as they were to underestimate them. Asked to predict the chances of being injured, even slightly, in an auto accident in a typical year, 36 per cent underestimated the likelihood but 30 per cent overestimated. According to Transport Canada statistics the odds are approximately 1 in 130.

“Studies have shown that many people prefer to avoid thinking about negative situations, even if they believe those situations are likely to happen,” says Dr. Edwin Weinstein, a psychologist and president of the Brondesbury Group who advised TD on its research for this initiative. “Shopping for insurance is one of those times in life where you’re forced to think about situations you would rather avoid. It’s not surprising that people would choose to shovel snow than consider the possibility that unpleasant things can happen.”

The results also showed risk assessments differ across gender and age groups. For example, men were more likely than women to identify themselves as above average in safety consciousness and health. Almost three quarters of men (72 per cent) said they were more safety conscious than others, whereas only 62 per cent of women made the same claim. And, at 53 per cent, men were also more likely than women to believe they were healthier than others their age – only 44 per cent of women identified themselves as having above average health. Interestingly seniors over 65 years of age were the group most likely to rate themselves healthier than others their age, with 65 per cent choosing this option.

“It’s great to have a positive outlook in life, but it’s also important to be prepared,” says Richardson. “Our advice is to expect the best, but plan for bumps in the road. For example creditor protection insurance – on a mortgage, car loan or even a credit card – can help ensure one doesn’t default on a loan in the case of a life event that makes it difficult to make payments.”


TOT T E N H A M

SALES OFFICE HOURS: Mon-� urs: 1-8pm, Fri. – closed,

Sat., Sun. & Hol.: 11am – 6pm

Prices and specifi cations are subject to change without notice. All renderings are artist’s concept. E. & O. E. *Only applicable on the purchase of a townhome. **See sales representative for details.

The GreatTownhome Event

IN TOTTENHAM

GROUND FLOOR

ELEVATION A

SECOND FLOOR

ELEVATION A

THE STONEHAVEN. ELEVATION A - 1,481 SQ.FT.

TOWNHOMES from

$299,990

✔ Stainless Steel Fridge, Stove and Dishwasher✔ White Front Load Washer/Dryer✔ 3” Natural Oak Hardwood in Family Room

✔ 9 Foot Ceilings (on main level)

✔ Gas Fireplace✔ Cold Cellar

Our Standards are other builder upgradesALL OUR TOWNHOMES INCLUDE:

1-855-232-8100 • millstreethomes.com

BALL-MIL-A-AD-NHC-MAY23-1.indd 1 14-05-23 12:07 PM


What many consumers don’t realize, however, is that this insurance doesn’t protect

you, the homeowner – it protects your lender against

mortgage default.

DO YOU NEED

mortgage loan insurance?

Buying a new home and not sure if you need mortgage loan insurance? Well, if you’re making a down payment of less than 20 per cent of the purchase price (what’s known as a high-ratio mortgage), your lender will almost certainly require you to have mortgage loan insurance.

What many consumers don’t realize, however, is that this insurance doesn’t protect you, the homeowner – it protects your lender against mortgage default. But since the mortgage is insured – essentially guaranteed by Canada Mortgage and Housing Corp. – this program also enables consumers to purchase homes with a minimum down payment of five per cent.

Mortgage loan insurance is not to be confused with mortgage life insurance, which guarantees that your remaining mortgage at the time of your death will not be a burden to your estate.

The CMHC Mortgage Loan Insurance premium is calculated as a percentage of the loan and is based on the size of your down payment. The higher the percentage of the total house price/value that you borrow, the higher percentage you will pay in insurance premiums.

If you’re putting down five per cent as a down payment and mortgaging the balance, your loan-to-value (LTV) ratio is then 95 per cent. Generally speaking, the higher the LTV, the greater the premium for mortgage loan insurance. For example, for an LTV of 95 per cent, the standard premium is 2.75 per cent of the purchase price; for an LTV of 90 per cent, it’s two per cent; for an LTV of 85 per cent, the premium is 1.75 per cent, and so on.

The premium can be paid in a single lump sum or it can be added to your mortgage and included in your monthly payments.

Without mortgage insurance, you may avoid the insurance premium, but you could also pay higher interest rates for the mortgage, as well as additional administrative fees. At the end of the day, for the vast majority of borrowers, the cost of CMHC Mortgage Loan Insurance is more than fully offset by the savings achieved.

Under the CMHC Green Home program, buyers may qualify for a 10-per-cent premium refund and extended amortization period without surcharge, for mortgages used to finance an energy-efficient home.

For more information, visit cmhc-schl.gc.ca


How much will you

your NEW HOMEin Keswick?

Grandview Homes’ Quality & Craftsmanship

Walk to the Marina and Waterfront

10 minutes to Green Lane GO Station

Single Family Homes on 40', 50' & 52' lots (many on Greenspace lots)

Only 30 minutes to Markham!

Bungalow and 2-Storey Designs

Close to schools and amenities

An ENCLAVE of LUXURY

HOMESstarting at

$459,900$459,900$459,900$459,900$459,900

$7,500in FREE

UPGRADES**Limited time offer. Offer only valid with the purchase of a home at Mayberry Estates. Speak to a Sales Representative for details.

grandviewhomesnorth.com705-735-0732

Lakeshore Dr.

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Rd Lakeshore Dr.

Essa

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Dunlop St

Ferndale Dr.

Wri

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X

Sales CentreAuburn Ct.

xx

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BARRIE

Big Bay Point Rd.Fairview Rd

TORO

NTO

2 Auburn Court, Barrie, Ontario

Prices and specifi cations subject to change without notice. E.&O.E.

Dunlop St

SALES CENTRE HOURS

Sat. & Sun. 12 - 5pm

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1 ARiSTA HomeS Goddard on the valley 416-630-5039 • • from$650,000 39 7B

3 FielDgATe HomeS IMPRESSIONS 905-893-9500 • • • from$522,000 Insert&25 5F

10 FielDgATe HomeS 90 Niagara 416-981-0036 • • from$318,000 Insert&25 7H

12 NATioNAl HomeS The Townes of Richview 416-746-1234 • from$570,000 37 3e

15 mATTAmy HomeS Downsview Park mattamyhomes.com from$320,000 BC 6C

86 meNkeS Humber Mews 416-255-7468 • from$480,000 7 3i

86 meNkeS Dwell city town 416-259-2525 • from$350,000 7 3i

87 meNkeS Bloom Park Towns 416-730-1600 • from$320,000 7 8B

1 BATAviA HomeS Goddard on the valley 416-630-5039 • • from$650,000 7B

2 NATioNAl HomeS The Churchill Collection in Forest Hill 416-922-1414 • from$1390,000 7g

3 ARiSTA HomeS IMPRESSIONS impressionskleinburg.com • • • from$525,000 5F

3 PARADiSe HomeS IMPRESSIONS impressionskleinburg.com • • • from$525,000 5F

4 geoRgiAN CoRPoRATioN Lex Towns 416-428-3419 • • • from$495,000 12G

5 TiFFANy PARk HomeS Westhaven 416-792-6655 • from$633,000 3g

5 gRAywooD DeveloPmeNTS lTD Westhaven 416-792-6655 • from$633,000 3g

6 CoveNTRy HomeS Danforth’s Crossing 416-924-8338 • from$450,000 12G

7 FielDgATe HomeS The Brownstones at Westown lidvest.com • • from$330,000 4e

8 emSATeC CANADA iNC. The Brownstones 5 416-531-7760 • • from$350,000 6g

9 liNDveST PRoPeRTieS The Brownstones at Westown lindvest.com • • from$330,000 4C

9 liNDveST PRoPeRTieS Grand Cornell Brownstones in Markham lindvest.com • • from$340,000 4C

9 liNDveST PRoPeRTieS Corporate lindvest.com • • from$195,000 4C

11 TRiBuTe CommuNiTieS Canterbury 647-352-2130 • from$767,000 9e

13 iNSoHo DeveloPmeNTS Highland Creek Collection ownhighlandcreek.com • • from$620,000 17D

14 DuNPAR HomeS The Ossington 416-253-5888 • from$700,000 7g

20 BeAveRBRook HomeS Evolution 416-747-9691 • from$270,000 3H

26 CoNSeRvAToRy gRouP Port Union 416-287-3128 • • from$520,000 18e

28 PemBeRToN gRouP Park Lake Residences 416-769-4343 • from$180,000 5H

34 H&R DeveloPmeNTS Westown hr-newhomes.com • • • from$190,000 5C

41 moNARCH CoRPoRATioN Evergreen 416-495-3526 • from$470,000 14F

43 ASPeN RiDge HomeS Scenic On Eglinton 416-805-1781 • • from$190,000 10F

49 TRiBuTe CommuNiTieS RCMI 416-363-4800 • from$324,000 8i

50 FielDgATe HomeS Corktown Mews corktownmews.ca • from$550,000 9H

70 mATTAmy HomeS Cornell mattamyhomes.com • • from$390,000 7g

77 ASPeN RiDge HomeS Seventy Seven Charles 416-203-7034 • • from$2100,000 9H

78 youR Home DeveloPmeNTS Nature’s Path 647-340-6972 • from$280,000 17e

83 ARiSTA HomeS Lilly Factory Towns 416-792-4872 • • from$395,000 12G

89 DeCADe HomeS Yorkdale Village 416-638-5656 • from$250,000 6D

90 SuNDANCe HomeS Braeburn Lane sundancehomes.ca • from$430,000 15D

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5 ASPeN RiDge HomeS Upper West Side uwscommunity.com • from$1000,000 5 14D

5 CoNSeRvAToRy gRouP Upper West Side uwscommunity.com • from$1000,000 5 14D

5 CouNTRy WiDe HomeS Upper West Side uwscommunity.com • from$1000,000 5 14D

5 RegAl CReST HomeS Upper West Side uwscommunity.com • from$1000,000 5 14D

5 ToWNWooD HomeS Upper West Side uwscommunity.com • from$1000,000 5 14D

6 PRimoNT HomeS Renaissance Townes 905-770-7002 • from$550,000 12 8D

7 loRmel HomeS La Viva lavivatowns.com • 61 5J

24 FielDgATe HomeS Vaughan Valley Estates 905-303-4728 • from$1332,000 Insert&25 9F

44 mADiSoN HomeS Thornhill 905-417-1203 • from$1100,000 11 14g

1 CouNTRy WiDe HomeS Kleinburg Hills KleinburgHills.com • 4E

1 ASPeN RiDge HomeS Kleinburg Hills aspenridgehomes.com • 4E

2 TRiBuTe CommuNiTieS Gates of Nobleton 647-633-3500 • from$850,000 4A

3 TiFFANy PARK HomeS Valleybrooke Estates 905-303-1620 • from$870,000 8e

4 ARiSTA HomeS Vellore Woods aristahomes.com • from$690,000 8F

24 ARiSTA HomeS Vaughan Valley Estates 905-303-1929 • from$800,000 9F

42 DuNPAR HomeS Riverside Village 416-253-5888 • from$519,000 5i

46 CouNTRy WiDe HomeS The Point at Woodbridge 905-907-1500 • from$700,000 8e

47 CouNTRy WiDe HomeS Upper Thornhill Estates 905-907-1500 • from$900,000 14E

48 BeAveRHAll HomeS Regency Estates 905-265-2634 • from$1301,000 6H

48 gRAyWooD DeveloPmeNTS lTD Regency Estates 905-265-2634 • from$1250,000 6H

51 ASPeN RiDge HomeS King Oaks 905-539-0181 • from$1100,000 12A

51 gReAT gulF King Oaks 905-833-6413 • from$1300,000 12A

52 ZANCoR HomeS Royal Collection 905-833-0883 • • from$550,000 12A

53 TReASuRe Hill HomeS Thornhill Woods treasurehill.com • from$950,000 13g

54 FielDgATe HomeS Rivers Edge 905-320-5642 • • • from$730,000 8e

55 oSKAR gRouP Le Sedici lesedici.com from$600,000 10E

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Attention Builders - Want to add your

community to our maps? Need to update existing information?

Please fax the details to (416) 789-9554

* Due to scale restrictions locators are approximate. Please see build-

er’s ads for exact locations.cent

ral

regi

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1 HeaTHwooD HoMeS Hampshire Mews 416-637-3520 from $465,000 51 5I

7 HIgHMaRk HoMeS Nuvo 647-206-2276 • from$1100,000 59 2e

14 aRISTa HoMeS Jefferson Forest jeffersonforest.ca • • from$586,000 29 4H

15 MaDISoN HoMeS Jefferson Forest jeffersonforest.ca • • from$586,000 29 4H

15 FoReST HIll HoMeS Jefferson Forest jeffersonforest.ca • • from$586,000 29 4H

16 FIelDgaTe HoMeS Jefferson Forest 905-884-8017 • • from$586,000 Insert, 25 & 29 4H

2 PeMBeRToN gRouP The Royal at Bayview Glen 905-709-5700 • from$190,000 6Q

3 CeNTRa HoMeS The Mills Collections 416-238-2404 • from$940,000 5J

4 aSPeN RIDge HoMeS Kettle Lakes Club 289-231-2849 • from$550,000 6D

5 ST. RegIS HoMeS Mission Hill on Bayview 905-884-8885 from$850,000 6C

6 FIelDgaTe HoMeS The Humberlands 905-773-7738 • from$850,000 2C

20 NoRTH STaR HoMeS King’s Crossing 416-291-9666 • from$530,000 2e

22 YoRkwooD HoMeS Hillside Manors 905-770-4662 • from$472,000 5I

26 aRTeN DeveloPMeNT gRouP The Manors of Roseview Grand roseviewgrand.com • • from$650,000 4l

27 aCoRN HoMeS Oak Knoll 905-773-9257 • from$622,000 4C

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Builder Site Tel Price RangePage No.

3 MaTTaMy HoMeS St. John Forest mattamyhomes.com from $358,000 9 13e

4 FielDgaTe HoMeS The New U 905-477-6464 • • from$593,000 insert & 25 5g

6 PRiMoNT HoMeS Heirloom in Markham 905-770-7002 • • from$450,000 13 7F

9 CouNTRy WiDe HoMeS The Arbors 905-907-1500 • 47 14F

11 MaDiSoN HoMeS Greensborough madisonhomes.ca • • 11 7F

14 aSPeN RiDge HoMeS Woodland Hills 416-270-9484 • from$450,000 iFC 9C

15 FielDgaTe HoMeS Aurora Trails auroratrails.com • • from$520,000 insert & 25 13e

20 FielDgaTe HoMeS BlueSky Stouffville 905-640-0002 • 25 18F

30 MaDiSoN HoMeS Cornell Rouge cornellrouge.com • • from$650,000 11 & 43 8F

30 FoReST Hill HoMeS Cornell Rouge cornellrouge.com • from$520,000 43 8F

50 geRaNiuM HoMeS Uptownes at Cardinal Point 905-640-9999 • • from$365,000 30-31 7F

1 MaRyDel HoMeS Woodland Hills 905-898-7380 • from$400,000 10B

2 BeaveRBRook HoMeS The Terrace On Rouge Creek 905-640-7360 • • from$390,000 17F

4 aRiSTa HoMeS The New U 905-534-1564 • • • from$550,000 5g

4 PaRaDiSe HoMeS The New U 905-477-0317 • • • from$550,000 5g

4 STaRlaNe HoMe CoRPoRaTioN The New U 905-534-0493 • • • from$550,000 5g

5 TReaSuRe Hill HoMeS Accolades in Markham 905-471-2852 • from$500,000 6F

7 leBoviC HoMeS Bovaird Trail 905-640-7361 • • • from$2597,000 14H

8 CouNTRy WiDe HoMeS Wismer Commons 905-907-1500 • • from$450,000 6F

9 BRookFielD HoMeS The Arbors 905-503-0992 • from$590,000 14F

10 BRiaRWooD HoMeS Havelock Town Manors 289-301-0077 • from$569,000 6i

12 lauRieR HoMeS windsong 905-201-5979 • • from$495,000 6g

12 lauRieR HoMeS Windsong North 905-201-5979 • from$598,000 6g

13 NaTioNal HoMeS Stonehaven 416-746-1234 • from$570,000 12D

15 aRiSTa HoMeS Aurora Trails auroratrails.com • • from$400,000 13e

15 PaRaDiSe HoMeS Aurora Trails auroratrails.com • • from$400,000 13e

15 oPuS HoMeS Aurora Trails auroratrails.com • • from$400,000 13e

17 CoNSeRvaToRy gRouP Heritage Estates 905-640-2274 • • from$283,000 18e

18 kyleMoRe CoMMuNiTieS Angus Glen West Village 905-887-9950 • from$2000,000 4g

20 STaRlaNe HoMe CoRPoRaTioN BlueSky Stouffville starlanehomes.com • from$434,000 18F

24 BallaNTRy HoMeS Cornell ballantryhomes.com • • from$520,000 8g

28 PReSToN HoMeS Copper Hills 905-954-4050 • from$500,000 14D

30 MaDiSoN HoMeS Forest Hill cornellrouge.com • from$400,000 8F

41 aSPeN RiDge HoMeS Upper Cornell 905-554-3446 • • from$495,000 7F

42 NaTioNal HoMeS Wismer Woods 416-746-1234 • • • from$680,000 6g

50 geRaNiuM HoMeS The Neighbourhoods of Cardinal Point 905-640-9999 • • from$575,000 7F

50 geRaNiuM HoMeS Cardinal Point Downtown Stouffville 905-640-9999 • • from$600,000 7F

50 geRaNiuM HoMeS Copperstone Ballantrae 905-640-9999 • • from$1.1,000 7F

50 geRaNiuM HoMeS Uptownes at Cardinal Point 905-640-9999 • • from$365,000 7F

51 oxFoRD HoMeS Coventry Valley 905-836-8902 from $600,000 9C

52 FielDgaTe HoMeS Potter’s Bend 905-294-3125 • • from$700,000 6g

53 H&R DeveloPMeNTS Castle Square hr-newhomes.com • 6g

54 BeaveRBRook HoMeS Victoria Highlands 416-924-0110 • from$450,000 16B

55 CouNTRy WiDe HoMeS Woodland Hills 905-907-1500 • 10C

59 PRiMoNT HoMeS Harmony 905-305-8871 • 5i

62 NoRTH STaR HoMeS Mill Fair Village NorttStarHomesinc.com • from$500,000 6g

64 STaRlaNe HoMe CoRPoRaTioN Upper Unionville 905-534-0493 • • • from$520,000 5g

64 PaRaDiSe HoMeS Upper Unionville 905-477-6464 • • from$520,000 5g

65 FielDgaTe HoMeS Victoria Manor 905-294-3125 • from$896,000 3g

66 TReaSuRe Hill HoMeS Aurora Woods on Bayview 905-727-5794 • from$769,000 13H

85 oRCHaRD RiDge HoMeS Prairiewood orchardridgehomes.com • from$800,000 16F

86 CHeRRyWooD HoMeS Glengrove on the Park 905-640-7571 • • from$250,000 18e

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Builder Site Tel Price Range Page No.6 MaNCiNi HoMeS West Ridge Place Orillia 905-773-9997 • 67 8C

7 GRaNDview HoMeS Mayberry Estate 705-735-0732 • from$460,000 71 6G

15 MaRyDel HoMeS Seven Meadows marydelhomes.com • • from$290,000 65 10F

16 GReaT GulF Summerlyn Village 905-775-3461 • from$470,000 35 7i

17 BRookFielD HoMeS Grand Central 905-778-0873 • from$535,000 16 8i

71 BRiaRwooD HoMeS Mill Street Village 1-855-232-8100 • • from$300,000 69 7J

71 BallyMoRe HoMeS Mill Street Village 1-855-232-8100 • • from$300,000 69 7J

1 PaCiFiC HoMeS liMiTeD MarlLake Village 1-877-428-5115 • from$210,000 4F

1 ReD BeRRy HoMeS MarlLake Village 1-877-428-5115 • from$210,000 4F

2 DelPaRk HoMeS Cedar Ridge 905-722-7210 • • • from$275,000 9G

3 loSaNi HoMeS Summit Shores losanihomes.com/readybuilt from$390,000 2e

4 MaNCiNi HoMeS Princeton Woods 705-730-1978 • from$330,000 14E

5 NaTioNal HoMeS The Forest 416-746-1234 • from$490,000 7i

6 MaRiPoSa HoMeS Trailside 705-329-3330 • • from$249,000 8C

8 FaNDoR HoMeS Hamptons on Big Bay Point 705-792-6807 • from$250,000 18D

9 GRaNDview HoMeS Big Bay Point 705-735-0732 • from$355,000 13e

11 BallyMoRe HoMeS Lakeside Meadows 1-877-455-0201 • • from$290,000 9G

11 BallyMoRe HoMeS Lakeside Meadows 1-877-455-0201 • from$293,000 9G

12 PReviN CouRT HoMeS Victorian Village 1-855-777-3846 • • from$325,000 6i

13 aveRToN HoMeS Victoria Highlands 416-924-0110 • from$450,000 9H

13 RoSeHaveN HoMeS Victoria Highlands 416-410-0175 • from$580,000 9H

14 RoSeHaveN HoMeS King Country Estates 905-558-0098 • from$700,000 7k

14 aSPeN RiDGe HoMeS King Country Estates 905-558-0255 • from$780,000 7k

14 CouNTRy wiDe HoMeS King Country Estates 905-907-1500 • from$750,000 7k

17 BRookFielD HoMeS Grand Central 905-778-0873 • from$515,000 8i

24 kaiTliN CoRPoRaTioN Blue Shores 1-866-625-2583 • from$380,000 2e

32 CouNTRy HoMeS Alcona by the Lake 1-866-531-3424 • • from$300,000 7G

33 SaNDieGo HoMeS Lakeside Living in Innisfil 705-436-5445 • • from$285,000 7F

37 PRiSTiNe HoMeS Pebbleshores 705-436-5547 • from$240,000 7G

39 SToNeBRiDGe BuilDiNG GRouP Stonebridge by The Bay 1-877-420-0880 • from$200,000 5e

40 RoyalPaRk HoMeS Emerald Forest royalpark.com • • from$200,000 6i

41 DelPaRk HoMeS Pretty River on Georgian Bay 1-888-257-1999 from$298,000 3e

43 BReMoNT HoMeS Centretown 1-877-855-1122 • from$234,000 5e

44 RayMaC HoMeS Brennan Enclave 705-516-0681 • from$252,000 6G

44 BRookFielD HoMeS Treetops 1-855-590-3577 • from$350,000 6i

44 oRCHaRD RiDGe HoMeS Treetops 1-855-590-3577 • from$350,000 6i

45 RoSeHaveN HoMeS Dreamfields in Bradford 416-410-0175 • • from$300,000 8i

45 ReGal CReST HoMeS Dreamfields in Bradford dreamfieldsbradford.com • • from$311,000 8i

45 CouNTRy wiDe HoMeS Dreamfields in Bradford dreamfieldsbradford.com • • 8i

46 DevoNleiGH HoMeS iNC. Creekside 705-444-0555 • • from$210,000 3e

47 DevoNleiGH HoMeS iNC. Parkside by Devonleigh 705-435-9991 • from$275,000 6H

48 DevoNleiGH HoMeS iNC. Brownley Meadows 705-423-9662 • • from$225,000 6G

55 BRiaRwooD HoMeS Briarwood Estates 705-294-2288 • from$420,000 7G

58 lakeview HoMeS Greenbrook Village 519-306-0665 • from$280,000 3i

59 BRookFielD HoMeS Fieldstone 1-855-379-1495 • from$590,000 5J

59 DelPaRk HoMeS Fieldstone MyFieldstone.ca • from$570,000 5J

60 BRiaRwooD HoMeS Pretty River Collingwood 1-888-257-1999 • from$310,000 3e

65 BRookFielD HoMeS Willow Glen Tottenham 905-406-1044 • from$298,000 7J

70 FaR SiGHT HoMeS Greenfields 1-855-299-7929 • from$285,000 6i

Map

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81

2014 SHOPPING GUIDE

416.626.4889

2014 ISSUE NOW AVAILABLE!

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sHoppIngCurating a selection of the GTA’s top home & decor shops and services

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Our 2014 shopping guide profiles some of the GTA’s top home and décor shops and services.

LOVE TO SHOP?newhomeguide.ca


Showcasing new homes in the GTA’s west region

June 14 - 28, 2014

IN THIS SECTION

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

If you’re shopping for a home in Toronto, or in any of Canada’s larger markets, you’re likely experiencing some frustration. And that feeling is growing as housing affordability continues to drop.

Long before you “officially” started your home hunt, you began compiling your list of must-haves. I know I did. My ideal included a four-bedroom detached house on a large lot, in Toronto, within walking distance of the Bloor subway line, with a park, shopping and nightlife nearby. (Schools weren’t on my radar yet, but that, too, would come.)

So when the time came to shop for our first home, my husband and I were disappointed to learn what our measly budget could buy. And it wasn’t even all that measly!

The modern homebuying reality for most Canadian buyers – especially first-timers – is a question of either/or. It seems you just can’t have it all.

RBC Economics’ latest Housing Trends and Affordability Report indicates that the cost of homeownership is on the rise.

The housing affordability index captures the proportion of pre-tax household income required to own and operate a home at current market value. The greater the measure, the worse the

affordability. For example, a measure of 50 per cent means owning a home – including mortgage payments, utilities and property taxes – will eat up 50 per cent of a typical household’s pre-tax income.

In the first quarter of 2014, Toronto’s affordability measures stood at 24-year highs for bungalows at 44.9 per cent, and two-storey homes at 51 per cent, while condos came in at 29.4 per cent – not much below its multi-decade peak.

To put these numbers in perspective, when you’re applying for a mortgage, lenders add up your housing costs and calculate what percentage they are of your gross monthly income, known as your Gross Debt Service ratio (GDS). According to Canada Mortgage and Housing Corp., to be considered for a mortgage, your GDS should be 32 per cent or less of your pre-tax household monthly income.

What does this mean for homebuyers? Quite simply, they’ll need to increase their income, or decrease their housing budget – and expectations. If you’re dreaming of a single-detached, two-storey life in Toronto, be prepared to shell out 51 per cent of your pre-tax income, providing you earn at least an “average” income. After taxes and living expenses, that doesn’t leave much for your rainy-day fund, never mind your retirement in 35 years!

Today, more than ever, creating a realistic budget is key. This will be your starting point – before you even begin thinking about your list of must-haves and nice-to-haves. Your budget will define what area you can afford to live in, the type of home, and the lifestyle you will lead long after the paperwork has been signed and the boxes unpacked.

Determine what you can comfortably afford. And I don’t mean the mortgage amount you’ve been pre-approved for. Calculate your monthly mortgage payments, property taxes and utilities. Now, do you have student loans? Do you drive a car? Do you expect to eat on a daily basis? Do you have, or are you planning to have, kids? Will they be eating, too? Don’t forget about those retirement savings! If it costs money, factor it in.

Only now can you think about the home itself. Really think about it. Who says the key to happiness is a 2,500-sq.-ft. detached house? Maybe your lifestyle would be better suited to an urban condo, where you don’t have to worry about things such as mowing the lawn and shoveling the snow. Weigh the pros and cons, then decide. The perfect home is out there, with something suited to every budget. Maybe you’ll just have to explore some different definitions of “home” to find the right one.

Canada’s housing un-affordability

//HOME SWEET HOME

» by LYDIA MCNUTT

LYDIA MCNUTT is an award-winning writer and editor of New Condo

Guide. Lydia’s love of architecture, interior design and the written word have landed her happily at home at Wall2Wall Media, where

real estate rules. Email Lydia.McNutt@

wall2wallmedia.com, and follow her on Twitter

@LydiasTweets

Your budget will define what area you can afford to live in, the type of home, and the lifestyle you will lead long after the paperwork has been signed and the boxes unpacked.


Prices, sizes and specifications are subject to change without notice. *EASY BUYTM INVENTORY PROGRAM applies to inventory homes only. **Above bi-weekly payment based on 95% down, 5 year fixed 2.99% mortgage with 30 year amortization for homes closing within 120 days.

Amounts do not include CMHC fees or any other bank set up mortgage fees. For qualified buyers. Calculations obtained from TD Canada Trust and RBC Websites. Please see Sales for full details. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker Protected. E.&O.E. June 2, 2014.

empirecommunities.com

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Falls

General BrockPkwy

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Montrose R

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Exit27

NiagaraSquare

NiagaraFalls

Empire’s Easy BuyTM* Inventory Program gets you better prices, faster move-ins and the bonus of only 5% down!

309 Blackburn Dr., BRANTFORD 519.756.4554

BRANTFORD

HOMES

233990

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BI-WEEKLY PAYMENTS

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McLeod Rd. & Kalar Rd., NIAGARA FALLS 905.354.1710

NIAGARA FALLS

3 Binhaven Blvd., BINBROOK 905.692.6000

HAMILTON

22 Green Mountain Rd. W., STONEY CREEK 905.930.7934

STONEY CREEK

HOMES

229990HOMES

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305990

5% DOWN

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BI-WEEKLY PAYMENTS

425**BI-WEEKLY PAYMENTS

585**BI-WEEKLY PAYMENTS

565**

EMPIRE COMMUNITIESEASY BUY™* INVENTORY PROGRAM

YES YOU CAN!

EMPI 6735 NHGTA-5%down-7.5x10.5-F.indd 1 2014-06-09 3:58 PM

Summer is coming! The warm weather is slowly setting in outside – it’s only natural to want to enjoy this sunny feeling indoors as well. With these design tips, you can to start to enjoy the great outdoors immediately!

BRANCH OUT» Florals are experiencing a huge revival, updated from

the overly fussy patterns we associate with granny’s curtains, to become contemporary, organic touches of natural beauty. In this dining room space, I used an elegant, leafy wallpaper to draw a connection to the outdoors, and then continued it into the kitchen to visually link the two rooms. For a similar effect, try Graham & Brown’s “Claire” or “Harem Tulips” prints. Visit grahambrown.com

SEASONS,

SPACES» by YANIC SIMARD

» photos by TED YARWOOD

In between

in between


//DESIGNER ADVICE


Fully Upgraded SemisView our 5 Decorated Model Homes Today!

foresthillhomes.ca 905-795-8307Hours: Mon. - Thurs. 1pm - 8pm,

Fridays by appt, Sat., Sun. & Hol. 11am - 6pm

On East side of McLaughlin Rd., just N. of Derry Road

*As per applicable Bonus and floorplan. applies to firm purchases only between April 5th - May 3rd, 2014. May not be included in finished/inventory homes. See sales representative for details. All renderings and photographs are artist’s concept. To be valid Bonus must be included in an accepted Agreement of Purchase and Sale. Prices, plans, specifications and bonuses are subject to change without notice. E. & O.E.

The Celebration Model

Prime Mississauga Location

Semi's starting

from the $570's 2,015 sq.ft.

THOUSANDS IN EXTRAS INCLUDED*

9' Ceilings on Main Level Spacious 4 Bedroom Designs Premium Lots Stained Oak Stairs Central Air Conditioning Hardwood Package in Living Room, Dining Room & Family Room Pot Light Package Double Sinks in Main & Ensuite Bath Upgraded Kitchen Cabinetry Upgraced Porcelain Tiles Smooth Ceilings Glass Shower Enclosure

LIMITED TIME OFFER WHERE APPLICABLE AS PER PLAN

Final Release

FORE_DER_A-AD-NHC-APR23-1.indd 1 14-04-23 2:05 PM

» Did you know that wallpaper can make a beautiful backsplash? By itself, of course, it’s a little impractical, but adding simple glass panels over top gives an easily cleaned surface while letting the paper shine through. This way, you can use one favourite print throughout, or choose a special accent to create a unique backsplash feature.

KEEP YOUR OPTIONS OPEN» Sometimes the best way to introduce fresh, fun colour

in a space is to start with none at all – keeping your fixed elements neutral gives you a flexible backdrop for ever-changing accents to suit your moods. You’ll see, however, that doesn’t mean I let these spaces be boring: introducing variety through patterns, textures, and different materials (such as the wood table and clear plastic chairs) gives even a neutral palette lots of depth and visual interest year round.

» Once you have this beautiful neutral canvas, introduce colour through accessories. Live plants add a friendly infusion of green to liven up your dining table or countertop. Removing the doors from a standard cupboard creates an open shelving display for colourful dishes and glassware – just keep the doors stashed away for later. Add a few beautiful books or an oversized vase, and suddenly you’ve got a whole colour scheme you can switch up at any time.

Florals are experiencing a huge

revival, updated from the overly fussy patterns we associate

with granny’s curtains, to become

contemporary, organic touches of

natural beauty.


//DESIGNER ADVICE...continued


C

M

Y

CM

MY

CY

CMY

K

VicComm Event NHC 2014-06-02.pdf 1 6/3/2014 1:01:21 PM

» Whether you have a wall full of windows around a patio door or a small sliver of glass, keep the view as open as possible by hanging a simple sheer over top. By draping the full wall, you help blur the line between the walls and windows, making the warm light the focus, and preserving the sightlines while also maintaining your privacy. Place the rod just below the ceiling and run the fabric to just above the ground, for a clean, contemporary effect.

SING THE BLUES» Blue and green (which is half blue)

are both natural hues that we are used to seeing in the world in a tone-on-tone effect, so they make great near-neutrals and work especially well when combined in multiple shades. This makes it especially easy to slowly add an accessory collection over time (as you happen across different stores) without wondering about whether pieces will “match.” If you stick to the blues, you won’t have a worry in the world.

BLUR THE LINES» I love pieces that can work indoors and out, such as

the classic Bertoia dining chair (pictured above). The open metal frame makes a mid-century statement inside, but is totally practical outdoors, so it can be moved to wherever you want extra seating. Other pieces such as ceramic garden stools, stone-topped bistro tables, or clear plastic stackable chairs provide equal flexibility – consider investing in these even in the colder months and love them all year round.

YANIC SIMARD is the design editor of New Condo Guide and principal designer of the Toronto Interior Design Group. Specializing in residential and commercial projects, Yanic often applies his signature high/low and old/new combination design techniques in developing unique interiors. Yanic has created designs for clients in Toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytv’s CityLine. For more information visit tidg.ca

//DESIGNER ADVICE...continued


McLeod Rd.

Main St.Portage Rd.

Lyons

Creek Rd.

Mar

inelan

dPk

wy

Sodo

m R

d.

Fort Erie

ToFalls

MODELS &PRESENTATION

CENTRES

Mann St.

NIAGARARIVER

CHIPPAWA - NIAGARA FALLS

Elevation and landscape is artists concept and may not be depicted as shown. Prices, square footage and specifications correct at press time.

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

LyonsCreekChippawa.comHOURS OF OPERATION:

Mon - Wed: 2pm - 7pm; Sat, Sun & Hol. 12pm - 5pm

• 11 models to tour• 9’ main floor ceilings • gourmet kitchens• luxurious ensuites • gas fireplaces • 1,100 to over 3,200 sq.ft• park/greenspace lots available

Whether it’s the wineries, the night life, hiking, biking and water’s

edge, or the wonderful shopping and fine dining, your luxury new home at Lyon’s Creek in historic Chippawa is near everything you love about the Niagara lifestyle.

11 MODELS TO TOUR!

50’ & 45’ Detached, Semis & Townes starting from the mid $200’s.

The Welland - Rosehaven Homes

The Berkshire - Homes by DeSantis

The grass is greener in Chippawa(now with more lawns to choose from)

Ask a Sales Representative for details.

MOVE IN SOONER WITH READY BUILT HOMES!

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20 FoReST HIll HoMeS Derry Village Mississauga 905-795-8307 • from$570,000 87 8B

1 VaNDyk CoMMuNITIeS Windows on the Green vandykcommunities.com • from$300,000 5H

2 aMaCoN The Towns at Parkside Village 705-435-9991 • from$550,000 8F

3 STaRlaNe HoMe CoRPoRaTIoN Churchill Woods starlanehomes.com • • • from$562,000 4e

3 GReeNPaRk HoMeS Churchill Woods churchillwoods.ca • • • $529,000 4e

4 CoNSeRVaToRy GRouP Central Park North 905-890-0195 • • from$465,000 7F

5 DuNPaR HoMeS Heritage Gate heritagegate.ca • from$500,000 6F

6 CouNTRy HoMeS Lakeshore Village 1-866-746-2999 • • from$550,000 9J

19 DezeN HoMeS McLaughlin 905-696-7938 • from$544,000 8B

23 DuNPaR HoMeS Park View Trail 416-253-5888 • from$500,000 11F

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Mississauga Rd

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* Due to scale restrictions locators are approximate. Please see

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Builder Site Tel Price Range Page No.8 TReaSuRe Hill HomeS Vales of the Humber Estates valesofthehumber.com • from$674,000 27 10N

8 STaRlaNe Home CoRPoRaTioN Vales of the Humber Estates valesofthehumber.com • from$674,000 27 10N

8 GReeNPaRk HomeS Vales of the Humber Estates valesofthehumber.com • from$674,000 27 10N

9 maTTamy HomeS Mount Pleasant North mattamyhomes.com • • • from$330,000 9 6P

11 FielDGaTe HomeS Lotus Pointe Caledon fieldgatehomes.com • • insert & 25 5l

12 GReaT GulF Westfield 905-866-6876 • from$620,000 34 7Q

21 PRimoNT HomeS Centretown 905-495-5067 • • • from$356,000 12 9m

60 PRimoNT HomeS Castlemore 905-856-5777 • • from$420,000 13 9k

62 FielDGaTe HomeS Valley Lands 905-457-0445 • • • from$427,000 insert & 25 9o

65 GReaT GulF Mount Pleasant 905-459-5772 • from$530,000 35 6P

1 TRiBuTe CommuNiTieS Landscapes 905-893-3331 • • from$399,000 8m

2 CoSCoRP iNC. The Village of Southfields thevillageofsouthfields.ca • • • 6L

2 moNaRCH CoRPoRaTioN The Village of Southfields 905-843-0707 • • • from$390,000 6L

3 emPiRe CommuNiTieS Lakeside empirelakeside.com • • from$350,000 7N

4 VaNmaR HomeS Credit Ridge Estates 416-746-1234 • from$550,000 8P

5 TiFFaNy PaRk HomeS The Estates of Spring Valley 905-216-5620 • from$583,000 6P

6 TowNwooD HomeS Gates of Countryside gatesofcountryside.ca • • from$400,000 9m

6 CouNTRy wiDe HomeS Gates of Countryside 905-907-1500 • • from$400,000 9m

6 ReGal CReST HomeS Countryside Meadows countrysidemeadows.ca • from$346,000 9m

6 Royal CliFF HomeS Gates of Countryside gatesofcountryside.ca • • from$400,000 9m

6 STaRlaNe Home CoRPoRaTioN Gates of Countryside starlanehomes.com • from$520,000 9m

7 aSPeN RiDGe HomeS Mayfield Village 905-230-2592 • • • from$350,000 7M

9 maTTamy HomeS Mount Pleasant Village mattamyhomes.com • • • from$255,000 6P

10 STaRlaNe Home CoRPoRaTioN Mount Pleasant Meadows meadowsbrampton.com • from$430,000 6O

10 ValeRy HomeS Mount Pleasant Meadows meadowsbrampton.com • from$430,000 6O

11 GReeNPaRk HomeS Lotus Pointe Caledon lotusPointeCaledon.ca • 5l

11 STaRlaNe Home CoRPoRaTioN Lotus Pointe Caledon lotusPointeCaledon.ca • 5l

11 RoSeHaVeN HomeS Lotus Pointe Caledon moveuptocaledon.ca • 5l

17 PemBeRToN GRouP Rosedale Village Golf & Country Club 905-799-5000 • • • • from$190,000 8l

18 SaBeRwooD HomeS Heart Lake Village 905-773-6549 • from$300,000 8N

19 maTTamy HomeS Salisbury Square mattamyhomes.com • • from$314,000 10N

22 TowNwooD HomeS Marigold townwoodhomes.com • • from$475,000 11l

25 HeaTHwooD HomeS Terracotta Village at The Credit Valley 905-874-4741 • from$430,000 9Q

32 FoReST Hill HomeS Ravines of Castlemore 905-794-8875 • from$650,000 8k

37 oxFoRD HomeS Adena Ridge 905-584-6444 from$600,000 5H

38 aNDRiN HomeS Turnberry Townhomes andrinTowns.com • from$350,000 9m

45 BRookFielD HomeS Pathways 1-855-379-1495 • from$420,000 8k

48 aSPeN RiDGe HomeS Credit Manor Heights 905-216-5155 • • from$400,000 7Q

48 ReGal CReST HomeS Credit Manor Heights yourkingdom.ca • • from$850,000 7Q

48 CouNTRy wiDe HomeS Credit Manor Heights yourkingdom.ca • from$850,000 7Q

51 aCoRN HomeS Castlegate acornhomes.ca • from$575,000 11k

55 RoSeHaVeN HomeS The Neighbourhoods of Mount Pleasant 416-410-0175 • • from$400,000 6P

55 TowNwooD HomeS The Neigbourhoods of Mount Pleasant lovemountPleasant.com • • from$270,000 6P

55 TowNwooD HomeS The Neighbourhoods of Mount Pleasant lovemountpleasant.com • • from$270,000 6P

58 DeVoNleiGH HomeS iNC. Meadowlands 519-942-3312 • • from$339,000 3C

64 meRiDiaN HomeS Credit Valley Manors 905-216-5186 • • from$400,000 8P

65 GReaT GulF Mount Pleasant 905-459-5772 • from$530,000 6P

66 BallaNTRy HomeS Spring Valley Village ballantryhomes.com • from$420,000 9m

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Bronte Rd 3 Line Rd

4 Line Rd

5 Line Rd

Derry

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Brita

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Jerseyville Rd.Governor©s Rd

14th

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North Sh

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Brant St

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Coles Court 4 Line Rd

Churchill Rd

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Burlington Bay

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Flamborough

Waterdown Burlington

Stoney Creek Grimsby

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Niagara on the Lake

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* Due to scale restrictions locators are approximate. Please see build-

er’s ads for exact locations.

wes

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Hill

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10 GReaT Gulf Rolling Meadows 905-680-0841 • from $300,000 34 12R

17 MaTTaMy HoMeS Hawthorne Village mattamyhomes.com • from $440,000 9 9G

33 MeNkeS The Enclaves of Upper Canada 289-891-9103 • • from $420,000 7 9C

1 SCHuiT HoMeS Perth Park 905-628-9559 • 1Q

2 GReaT Gulf Edgewood 905-356-9408 • from $305,000 12Q

3 SPallaCCi HoMeS Simona Place spallaccihomes.com • 2Q

4 SPallaCCi HoMeS Eden Park 905-381-4280 • from $320,000 2Q

4 SPallaCCi HoMeS Eden Park spallaccihomes.com • from $320,000 2Q

5 aRiSTa HoMeS Milton Trails 905-864-3306 9H

6 CouNTRy GReeN HoMeS The Uptowns of waterdown 905-690-7600 • • from $250,000 7M

7 lakeview HoMeS Cannery Park 1800-565-5150 • from $320,000 12R

8 MaTTaMy HoMeS Cranberry Hill mattamyhomes.com from $360,000 8N

9 BeaveRHall HoMeS Forestwood 905-636-1365 • • from $495,000 9G

12 ToByN PaRk HoMeS Park City parkliving.ca • from $180,000 11l

13 HeaTHwooD HoMeS The Village at Traditions 905-876-3140 • • from $441,000 8H

20 PaRkBRiDGe lifeSTyle CoMMuNiTieS iNC. Cherry Hill at Vineland 1-800-479-9777 • from $194,000 12R

22 CouNTRy GReeN HoMeS Park Place Village 905-690-7600 • • • from $250,000 8M

26 eDeN oak Weaver’s Mill weaversmill.com/nh • from $336,000 6B

35 PHelPS HoMeS Jordan Village phelpshomes.com • from $345,000 9R

36 PHelPS HoMeS Brookside phelpshomes.com • from $236,000 7R

37 PHelPS HoMeS Streamside phelpshomes.com • from $316,000 6R

38 loSaNi HoMeS Ancaster Glen 289-239-7629 from $370,000 1P

39 loSaNi HoMeS The Fairgrounds 289-286-0928 from $250,000 2Q

40 loSaNi HoMeS Greenhill Glen 905-538-8752 from $270,000 4Q

41 loSaNi HoMeS Sherman Oaks 905-574-0828 from $290,000 2R

42 loSaNi HoMeS Paramount 905-560-2061 from $230,000 3R

43 loSaNi HoMeS Orchard Park 905-930-9943 from $390,000 5Q

44 loSaNi HoMeS Discovery 905-563-0666 from $330,000 8R

Map

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6 Line RdBurn

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Nottinghill Gate

Maple Grove Dr

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Morrison Rd

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3 Line Rd4 Line Rd

Spee

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Kerr St

Reynolds St

Trafalgar Rd

8 Line Rd

Chartwell Rd

Ford Dr

Devon Rd

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Watson Ave

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Pinebush Rd

Hesp

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Franklin

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Clyde Rd

Blenheim Rd

Myers RdSt. A

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Elgin

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* Due to scale restrictions locators are approximate. Please see builder’s

ads for exact locations.

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

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

98

Site

#

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Builder Site Tel Price Range Page No.Map

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15 MeNkeS Millstone On The Park 905-825-3619 • from$420,000 7 3G

1 MaTTaMy HOMeS The Preserve mattamyhomes.com • • from$700,000 4E

2 TReaSuRe Hill HOMeS Nautica at Lakeshore Woods 905-465-9133 • from$550,000 6J

3 MaRkay HOMeS Bronte Park Town Manors 416-746-1234 • from$590,000 3G

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2014MODEL HOMECALENDAR

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»» now available!

newhomeguide.ca

Showcasing new homes in the GTA’s east region

June 14 - 28, 2014

IN THIS SECTION

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

If you are planning to move at the end of June and haven’t booked a mover, you could be out of luck.

Traditionally, June 30 is the most popular day of the year for Canadians to move.

The most recent Census (2011) reports that 4.3 million Canadians move annually, which amounts to 1.6 million families – 13 per cent of whom choose the month of June. About a third of those pick June 30 as their moving date, so in Toronto alone, that amounts to 30,000 people doing the box-truck shuffle in that 24-hour period.

Why the big exodus on this one specific day? In our experience, weather tops the list of reasons. It’s more pleasant to move after the cold and snow of winter are behind us, and before the major heat of summer kicks in. Of course, no one can predict what Mother Nature will hand us on any given day, but usually there is less chance of rain at the end of June as well.

Keep in mind that moving just before the long weekend in July means families have an extra day to begin unpacking and get settled before they have to go back to work. By waiting until late June, parents avoid disrupting their children’s school year. The end of June marks the mid-year renewal deadline for property taxes and rental leases, so for many people, the timing is optimal.

If June 30 is your moving day, here are some tips to make moving a less stressful and more pleasant experience:

›› BOOK YOUR MOVER NOW! You may find that many companies are already fully booked for that day, but the earlier you start calling, the more chances you’ll get a reliable firm to help.

//MAKE YOUR MOVE

STEWART SMITH is franchisee/owner of

Two Men And A Truck Canada - Newmarket

and Aurora. Call 905.952.2229 or visit

twomennewmarketaurora.ca. Two Men currently operates in the U.S., Canada, Ireland and

the UK with more than 260 locations and 1,800

moving trucks. The company enjoys a 96 per

cent customer referral rating. Visit

twomenandatruck.ca

» by STEWART SMITH

Busiest moving day of the year IS JUST AROUND THE CORNER

›› CONSIDER USING A MOVER TO PACK YOU. Time is running short, and Two Men and a Truck has packing down to a science. Remember, it’s as important to us as it is to you to get your possessions to your new home safely and in pristine condition.

›› REFER TO A CHECKLIST TO MAKE SURE YOU REMEMBER ALL THE THINGS YOU HAVE TO DO. Changing addresses, notifying utility companies, enrolling kids in their new schools, arranging for pets and small children to be cared for during the move. Checklists are easily available online. You can find ours at twomenandatruck.ca/your-moving-checklist-plan-your-move.

›› PARE DOWN POSSESSIONS AS MUCH AS POSSIBLE. No use moving stuff that you will just throw out or give away after.

When it comes to moving, the extra effort up front goes a long way, and when you choose to move on June 30, it takes you even farther toward a safe, successful and fulfilling experience.

Keep in mind that moving just before the long weekend in July means families

have an extra day to begin unpacking and get settled before they have to go

back to work.


I BUILD AWARENESS.

“As a small builder, we have a little voice. BILD helps us get our issues heard though its advocacy channels to key government stakeholders which directly impacts our ability to build homes and create jobs. Additionally, member communications and seminars on trends, issues and economic forecasts keeps us in the loop and raises awareness of our company in the marketplace.”

Andrea DeGasperis-Ronco President Opus Homes

Builder / DeveloperMember since 2011

Get Involved: bildgta.caI AM


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Published by

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Salem Rd

Audley Rd

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Altona Rd

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1 TribuTe CommuniTies Charing Cross 905-571-1011 • from $390,000 15 14E

4 menkes Somerset 905-428-0500 • from $520,000 7 7G

90 LeboviC Homes Old Taunton in Pickering 905-428-3434 • • • 103 5H

2 brookfieLd Homes Hills of Harrowsmith 905-697-1681 • from $300,000 15G

3 GreaT GuLf Stonecrest greatgulf.com • • from $298,000 15f

6 emery Homes Town Central 1-877-953-6379 • from $350,000 4J

7 HiGHmark Homes Triumph whitbytriumph.ca • from $350,000 10G

8 Lakeview Homes The Forest of Lyndebrook 416-746-1234 • from $490,000 10f

9 sTafford Homes Elements Townhomes elementsajax.com from $390,000 7H

13 Liza CommuniTies Folkstone 1-877-365-9555 • • from $335,000 10G

21 GreaT GuLf Grandview Oshawa 1-888-579-7235 • from $334,000 14f

31 PresTon Homes Prestonvale Heights 905-432-2800 • • from $350,000 15J

34 TribuTe CommuniTies The Neighbourhoods of Park Ridge 905-723-2344 • from $339,000 15G

45 sundiaL Homes LimiTed Mulberry Meadows 905-427-8255 • from $273,000 6J

47 senaTor Homes Whitby by the Lake senatorhomes.com • • from $250,000 9J

54 bayCLiffe Homes The Gates of Whitby 905-668-9828 • • from $250,000 9G

60 GreyCresT Homes the fields of conlin 905-725-4539 • from $310,000 15G

66 monarCH CorPoraTion Tran Quility monarchgroup.net • from $550,000 7G

67 midHaven Homes Breeze 1-877-773-6888 • • from $300,000 15f

68 sTorybook Homes Brookstone Estates 905-438-9516 • from $1050,000 11b

91 sundanCe Homes The towns of nichol green phase 1 905-441-3312 • from $260,000 11J

92 GLen rouGe Homes The Cornerstone 905-239-9777 • from $579,000 6i

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48 BRookFielD HoMeS BrookHill 905-697-1681 • • • from $350,000 17 10B

1 MaSoN HoMeS Port Hope Lakeside Village 905-885-6565 • from $229,000 12k

2 FaR SigHT HoMeS King’s Bay Golf & Country Club Estates 905-642-8383 • from $408,000 15B

3 FaR SigHT HoMeS The Estates at Sunset Ridge 905-642-9015 • from $690,000 2e

4 PaRkview HoMeS Jackson Creek Meadows 705-748-4663 • 3i

4 PaRkview HoMeS Jackson Creek Meadows Townhomes 705-748-4663 • 3i

7 BRookFielD HoMeS Foxtrail brookfieldhomes.ca • from $400,000 5B

8 kaiTliN gRouP lTD. Port of Newcastle 1-800-305-6849 • • • from $260,000 14e

8 kyleMoRe CoMMuNiTieS Port of Newcastle 905-987-5146 • from $479,000 14e

8 SToRyBook HoMeS Bond Head Estates 905-438-9516 • from $850,000 14e

9 PaRkview HoMeS Harmony Condominiums 705-748-4663 • from $189,000 2i

14 RiCe DeveloPMeNTS Willmot Creek On The Lake 905-697-5806 • from $225,000 11D

18 B.g. SCHiCkeDaNz Lake Scugog Estates 1-888-894-9888 • from $330,000 17B

20 geRaNiuM HoMeS Verandas 905-885-0555 • from $266,000 10i

26 kaiTliN gRouP lTD. Aspen Heights 905-697-0513 • from $165,000 10C

26 kaiTliN gRouP lTD. Condominiums at Clarington Centre 905-697-4513 • from $210,000 10C

26 kaiTliN gRouP lTD. Country Classics 1-866-514-3573 • • from $300,000 10C

30 eMPiRe CoMMuNiTieS Estates of Wyndance 905-649-8197 • from $900,000 3e

34 CaRRiNgToN HoMeS Woodlands of Upper Courtice 905-787-0963 • from $260,000 9i

35 MaSoN HoMeS Parklands 1-866-443-7900 • from $238,000 3H

39 H&R DeveloPMeNTS Gracefields hr-newhomes.com • from $322,000 14B

39 THoRNRiDge HoMeS Gracefields thornridgehomes.com • from $290,000 14B

45 HigHCaSTle HoMeS Northglen northglen.ca • • from $221,000 11B

45 DelPaRk HoMeS Northglen 905-419-7222 • • • from $221,000 11B

45 eSquiRe HoMeS Northglen northglen.ca from $245,000 11B

48 JeFFeRy HoMeS BrookHill 905-697-0765 • • • from $300,000 10B

72 vaNDyk CoMMuNiTieS West Park Village vandykcommunities.com • • • from $210,000 3i east

reg

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109

June 14 to 28

JUNE 14-15

Beaches Arts & Crafts Show KEW GARDENSCelebrating its 30th anniversary, the Beaches Arts & Crafts Show returns with a lineup of 150 artists, artisans and designers from across the country. The types of items on display include visual arts, jewellery, leather work, fashions, home and garden décor, natural skin care products, gourmet foods and much more. This show will be taking place rain or shine, so don’t let any bad weather be an obstacle.

beachesartsandcraftsshow.ca

JUNE 14-23

Ontario Craft Beer Week VARIOUS LOCATIONS IN TORONTOThis week of beer celebrates local breweries and the special brands of beer that can only be found in Ontario. Hosted by Ontario Craft Brewers, this festival is entering its fourth year and promises more than 150 events in more than 50 different communities with more than 30 different breweries represented. Many events are hosted at breweries, pubs, restaurants and other venues and events include music, food, tastings and pub crawls.

ocbweek.ca

Calendar of events beginning from

June 14 to 28, 2014

JUNE 14-15

Taste of Little Italy COLLEGE STREET BETWEEN BATHURST AND SHAWThe annual Taste of Little Italy festival transforms College Street, from Bathurst to Shaw, into an Italian piazza, with walking access to restaurants, shops and music on every corner. Some of the cuisine offered includes veal sandwiches, burgers, vegetables, grilled chicken, shrimp and much more.

tasteoflittleitaly.ca

JUNE 14-15

Mississauga Waterfront Festival MISSISSAUGA WATERFRONTMississauga’s Waterfront plays host to a variety of performances, artisans and food carts from around the community. With 50,000 visitors a year, each festival draws in people from around southern Ontario and the Northeast U.S. to enjoy music and family activities and engage with outreach programs from charitable and non-profit organizations.

themwf.com

//HOT DATES


Homebuyers’ Resource SectionYou 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

HOMEBUYERS’ HELP//


Calculate your mortgage payments

01 Calculate the combined monthly before-tax income

of you and your spouse.

02 Divide by three. This figure is the monthly payment you

can afford to make on your home.

03 Take the total price of the home and subtract the

amount of money you expect to make as a down payment. This is the money you will have to borrow.

04 Refer to the chart on the opposite page. Look down

the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)

05 Multiply this figure by the amount you need to borrow.

Divide by 1,000.

06 Add to this your estimated monthly heating costs and

monthly property taxes.

07 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.

CHART FIGURE MORTGAGE AMOUNT ÷ 1,000INTEREST RATE MONTHLY PAYMENT

EXAMPLE: 5% 25 YEARS 5.82 (MORTGAGE AMOUNT $125,000) 125 $

AMORTIZATION PERIOD

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

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


3.00% 9.65 6.90 5.54 4.73 4.21 3.25% 9.76 7.02 5.66 4.86 4.34 3.50% 9.88 7.14 5.79 4.99 4.48 3.75% 9.99 7.26 5.91 5.13 4.61 4.00% 10.11 7.38 6.04 5.26 4.76 4.25% 10.23 7.50 6.17 5.40 4.90 4.50% 10.34 7.63 6.30 5.53 5.04 4.75% 10.46 7.75 6.44 5.67 5.19 5.00% 10.58 7.88 6.57 5.82 5.34 5.25% 10.70 8.01 6.74 5.96 5.49 5.50% 10.82 8.14 6.85 6.10 5.64 5.75% 10.94 8.27 6.98 6.25 5.79 6.00% 11.07 8.40 7.12 6.40 5.95 6.25% 11.19 8.53 7.26 6.55 6.11 6.50% 11.31 8.66 7.41 6.70 6.26 6.75% 11.43 8.80 7.55 6.85 6.42 7.00% 11.56 8.93 7.69 7.00 6.59 7.25% 11.68 9.07 7.84 7.16 6.75 7.50% 11.81 9.21 7.99 7.32 6.91 7.75% 11.94 9.34 8.14 7.47 7.08 8.00% 12.06 9.48 8.28 7.63 7.25 8.25% 12.19 9.62 8.44 7.79 7.42 8.50% 12.32 9.76 8.59 7.95 7.59 8.75% 12.45 9.90 8.74 8.12 7.76 9.00% 12.58 10.05 8.86 8.28 7.93 9.25% 12.71 10.19 9.05 8.45 8.10 9.50% 12.84 10.33 9.20 8.62 8.28 9.75% 12.97 10.48 9.36 8.78 8.45 10.00% 13.10 10.63 9.52 8.95 8.63 10.25% 13.24 10.77 9.68 9.12 8.80 10.50% 13.37 10.92 9.84 9.29 8.98 10.75% 13.50 11.06 10.00 9.46 9.16 11.00% 13.64 11.22 10.16 9.63 9.34 11.25% 13.77 11.36 10.32 9.80 9.52 11.50% 13.91 11.52 10.49 9.97 9.70 11.75% 14.04 11.66 10.65 10.15 9.88 12.00% 14.18 11.82 10.81 10.32 10.06 12.25% 14.32 11.97 10.98 10.49 10.25 12.50% 14.46 12.13 11.15 10.67 10.43 12.75% 14.59 12.28 11.31 10.85 10.61

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 ÷ 1,000) X 5.82 = $727.50

Mortgage payment calculation chartAMORTIZATION PERIODS

INTEREST RATES

10 YEARS

15 YEARS

20 YEARS

25 YEARS

30 YEARS

%


Compare mortgage rates for your best deal

CHARTERED BANKS Variable 6 Months 1 Year 2 years 3 years 4 years 5 years

Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice.R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLEJune 2, 2014. Prepared By Fiscal Agents Financial Information Services 905.844.7700

OTHER FINANCIAL INSTITUTIONS

TRUST COMPANIES

ATB Financial 2.7 4 2.94 2.89 2.99 3.04 3.39 6.30op 6.30op 6.50op Alterna Svgs/Alterna Bk 2.6 4 2.98 2.98 2.98 2.94 3.14 6.30op 6.30op Bank of Montreal 3 4 3.14 3.04 3.85 4.39 3.29 6.30op 6.30op Bank of Nova Scotia 2.6 4.55 3.29 3.14 3.44 2.94 2.97 6.45op 6.50op Canadian Western Bank 4 3.14 3.04 3.75 4.39 4.99 6.45op 6.30op CFF Bank 3.69 3.75 2.69 3.79 3.24CIBC 3 3.09 2.79 3.75 2.97 4.99 6.70op 6.35op HSBC Bank Canada 2.55 4.45 2.7 3.95 2.93 3.09 3.49 6.20op 6.35op ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 3.89Manulife Bank 2.7 4.45 3 3.05 3.1 3.14 3.19 3.50op National Bank n/a 4.4 3.14 3.04 3.75 2.95 3.39 6.70op 6.70op President’s Choice Finan 3 3.24 3.59 3.69 4.09Royal Bank 3 3.14 3.04 3.75 4.54 4.94 6.30op 6.30op TD Canada Trust 3 3.09 2.79 3.44 2.97 3.39 6.30op Tangerine 3 3.19 3.24 3.49 3.69 3.99

Community Trust n/a 6.5 3.14 3.25 3.95 4.74 4.99Effort Trust n/a 4.45 3.25 3.6 3.7 4.6 4.95 6.30op 6.30op Home Trust Company 2.5 3.95 2.89 2.89 2.79 2.94 3.04Investors Group Trust n/a 4.2 3.14 3.14 3.75 4.64 4.99 6.50op 6.30op MTCC 2.6 4.55 3.29 3.14 3.44 2.94 2.97 6.45op 6.50op

Airline Financial C.U. 4 3.01 3.1 3.33 3.65 3.99 6.25op Comtech Credit Union 2.95 6.2 2.99 3.25 3.29 2.99 2.99 6.40op 6.30op First National Fin. LP 3.95 2.99 2.59 2.79 2.77 3.09FirstOntario C.U. 2.6 3.09 3.14 3.29 2.89 3.04 6.34op 6.34op IC Savings 3.05 2.99 2.99 3.39 3.39London Life n/a 4.2 3.14 3.14 3.75 4.64 4.99 6.50op 6.30op Luminus Financial 2.55 3.05 2.75 2.95 2.9 2.95 6.3MCAP 2.6 3.6 3.95 4.35 4.89 5.14Meridian Credit Union 2.6 4 3.09 3.14 3.65 4.39 2.95 6.30op Parama Credit Union 2.85 2.85 3.05 3.15 3.25 3.4 3.00op Steinbach Credit Union 2.5 2.65 2.8 2.9 2.95 3.1


NEW OPENINGSMenkes Etobicoke – Humber Mews Now open – townhomes at Browns Line and Evans Ave. menkes.com

Marydel Homes Beaverton – Seven Meadows Now open – small-town living in this collection of detached bungalows and two-storey homes.marydelhomes.comLindvest North York – The Brownstones at WestownModel suite now open at this collection of stacked two-bedroom condominium townhomes at Weston Rd. and Sheppard Ave. W.lindvest.comTribute Communities Nobleton – Gates of Nobleton Grand opening now on – luxurious detached homes on 50-, 60- and 70-ft. lots.mytribute.caTribute Communities Oshawa – U.C.Grand opening of this new master-planned community in north Oshawa.mytribute.caAugustine Group Lake Simcoe – Crates Landing Now open – the beauty of Lake Simcoe at an affordable price.crateslandingcondos.comAverton Homes Mount Albert – Victoria Highlands Now open – community of bungalows and two-storey homes.victoriahighlands.comBrookfield Homes/Orchard Ridge Homes Alliston – TreetopsModel homes now open for this master- planned community next to the Nottawasaga Resort. treetopslife.ca

Arista Homes North York – Goddard on the ValleyGrand opening now on for these semis and select number of detached homes.aristahomes.com Arista/Fieldgate/Paradise/Starlane Unionville – Upper UnionvilleNow open – urban/lane/luxury townhomes, semis and 34-, 38- and 42-ft. singles.livingatupperunionville.comFieldgate Homes Brampton – Valleylands on Chinguacousy Grand opening – freehold towns, 28-ft. linked singles, 38- and 45-ft. detached singles. fieldgatehomes.comMenkes North York – Bloom Park TownsNow open – townhomes at Bathurst St. and Finch Ave.menkes.com Mattamy HomesBrampton – Mount Pleasant NorthNow open – this selection of three-storey townhomes and detached homes on 30-, 38- and 45-ft. lots.mattamyhomes.comFieldgate Homes Richmond Hill – The HumberlandsGrand opening – 30-, 36- and 50-ft. singles close to parks, schools, shopping and more.fieldgatehomes.comBallymore Homes/Briarwood Homes Tottenham – Mill Street VillageGrand opening – towns, semis and detached homes on 33- and 40-ft. lots.millstreethomes.com Aspen Ridge Homes & Great Gulf Homes King City – King Oaks Now open – designer-furnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine.aspenridgehomes.com & greatgulfhomes.comAspen Ridge Homes Richmond Hill – Kettle Lakes ClubNow open in Richmond Hill – a collection of executive townhomes on a protected ravine.aspenridgehomes.comNational Homes Forest Hill – The Churchill CollectionNow open at Spadina and St. Clair, refined townhome residences.churchillcollection.caMenkes Georgetown – The Enclaves of Upper CanadaNow previewing – semi-links and detached homes in Georgetown.menkes.comMonarch Corporation Kleinburg – Kleinburg Crown EstatesNow open – 42- and 50-ft. singles to Major Mackenzie Rd. and Hwy. 27.monarchgroup.netRosehaven Homes Kleinburg – Kleinburg Heritage EstatesNow open – homes of distinction on unique 60-to 70-ft. lots.kleinburgheritageestates.com

NEW RELEASESEmpire Communities Brampton – LakesideNew 38-ft. designs in a community of townhomes, semis and detached homes.empirelakeside.comMonarch Ajax – TranQuility New release of detached single-family homes on private ravine and pie-shaped lots. monarchgroup.netRosehaven Homes & Townwood HomesBrampton – Mount Pleasant New release of freehold towns, attached singles and detached homes on 30-, 38-, 41- and 45-ft. lots.lovemountpleasant.comMattamy Homes Oakville – The Preserve A new release of Village Homes and 34-, 38- and 45-ft. detached homes, many on a private crescent.mattamyhomes.comForest Hill Homes & Madison Homes Markham – Cornell Rouge New release – freehold towns and singles on 30-, 36- and 40-ft. lots with attached garages. Eight models now open.cornellrouge.com Ballantry Homes Brampton – Spring Valley VillageNew release of semi-detached and detached homes surrounded by valley lands.ballantryhomes.com Tribute Communities Oshawa – Park Ridge New 40-, 50- and never before seen 36-ft. designs on extra deep lots.mytribute.caAspen Ridge Homes Markham – Upper Cornell New release now available – semis and detached homes on 30-ft. lots.aspenridgehomes.comGreat Gulf Homes Bradford – Summerlyn Village Limited edition detached homes on premium conservation lots. greatgulf.comReids Heritage Homes Meaford – Gates of Kent New block of bungalow townhomes – elegant and carefree condominium living, close to all amenities. Starting from $244,900 reidsheritagehomes.com

BUILDERS: If you would like to include your new model home or site opening, email [email protected]. Please say you saw it in New Home Guide!

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PREVIEW REGISTRATIONCountryWide Homes Aurora – The ArborsRegister now for these singles, coming soon.countrywidehomes.caNational Homes Etobicoke – RichviewFreehold townhomes in the heart of Etobicoke from the $570’s. nationalhomes.comRosehaven Homes Caledon – Lotus PointComing soon – 36-ft. singles from the low $600’s and freehold towns from the mid $400’s.moveuptocaledon.caRosehaven Homes Bradford – DreamfieldsComing fall 2014.dreamfieldsbradford.comMenkes Etobicoke – Dwell City TownsRegister now for these distinctive collections of urban townhomes in the heart of Etobicoke.menkes.comArista Homes Vaughan – Vellmore WoodsComing soon to Vaughan – exclusive 36- and 42-ft. singles.aristahomes.comArista/Fieldgate/Paradise Kleinburg – ImpressionsPre-construction savings for these freehold townhomes and semis, and 30-, 38- and 44-ft. detached homes.impressionskleinburg.comGreenpark/Starlane Mississauga – Churchill WoodsRegister now for these towns and semis in one of Mississauga’s newest communities.churchillwoods.caCountryWide Homes Bradford – DreamFields

Register now for priority opportunity of singles and towns coming soon.countrywidehomes.caBallantry Homes Oakville – Oak ParkRegister now for this collection of urban townhomes and midrise condominiums.ballantryhomes.comMattamy Homes Milton – Hawthorne Village On The EscarpmentComing soon, exclusive new townhome designs on the Escarpment.mattamyhomes.com Madison Homes Richmond Hill – Jefferson ForestGrand opening coming soon! Register now for a collection of detached homes and freehold towns.madisonhomes.ca Great Gulf Brampton – Mount PleasantPreview opening at Bovaird and Creditview – full depth lots with unique standard features.greatgulf.comCountryWide Homes Newmarket – Woodland HillsComing soon – towns and singles, some with court, ravine and pie-shaped lots.countrywidehomes.caBrookfield Residential Tottenham – Willow GlenPreview opening on now – register now for these towns and singles from the $300’s. brookfieldhomes.caTreasure Hill Homes Richmond Hill – Urbantowns at BayviewComing soon – register now freehold townhomes at Bayview and Hwy. 7. treasurehill.comTreasure Hill Homes Markham – AccoladesLast chance to live in this established Markham community of singles, semis and townhomes. treasurehill.comCountryWide/Greenpark/ Royalcliff/Starlane/Townwood Brampton – Gates Of CountrysideRegister now for all new phase of semis and 38- and 47-ft. singles in an established, family-first neighbourhood.gatesofcountryside.ca Monarch Corporation AjaxComing soon to Ajax – 40-ft. designs. Discover a lifestyle infused with nature. Register now!monarchgroup.netFieldgate Homes Markham – Victoria Manor Coming soon – register now for luxury singles on 40-ft. lots in a prestigious neighbourhood at Woodbine and Major Mackenzie. fieldgatehomes.com

Heathwood Homes Richmond Hill – Hampshire MewsNow previewing in Richmond Hill – an enclave of urban towns on Yonge St. heathwood.comBallantry Homes Oakville – OakParkRegister now for this collection of urban townhomes and midrise condominiums, coming soon to Oakville. ballantryhomes.comNational Homes Newmarket – StonehaveA ravine enclave in a mature community – 35-, 40- and 50-ft. lots near highways, shopping and schools. nationalhomes.comDelpark Homes Sutton – Cedar RidgeComing soon – register now for towns and singles from the upper $200’s. delparkhomes.caBrookfield Homes Uxbridge – FoxtrailRegister now for bungalow townhomes from the high $300’s. brookfieldhomes.caLakeview Homes Whitby – Forest of LyndebrookRegister now for Whitby’s best 40-ft. lot value – detached homes with double-car garages from the $400’s. lakeviewhomesinc.comBeaverhall Homes Milton – Forestwood in Milton Now previewing in Milton – semi-towns and singles in a sought-after location.beaverhall.comAmacon Mississauga – The Towns at Parkside Village Register now for these townhomes starting from the mid $500’s.thetowns.caBallymore Homes/Briarwood Homes Sutton – Jubilee Coming soon to Sutton – singles on 36-, 40- and 50-ft. lots from the $300’s.myjubilee.caStarlane Homes & Valery Homes Brampton – Mount Pleasant Meadows Coming spring 2014 – semis and singles at Creditview Road and Wanless Drive.meadowsbrampton.comArista/Fieldgate/Paradise/Opus Aurora – Aurora TrailsRegister now to be among the first at the preview opening of these luxurious singles, semis and towns.auroratrails.comLindvest Newcastle – GracefieldsNew phase with 50-ft. lots this spring.lindvest.comSunrise Homes Oakville – Bronte HarboursideLaunching soon – 18 exquisite homes close to the water in a rare Oakville location.sunrisehomes.ca

BUILDERS: If you would like to include your new model home or site opening, email [email protected]. Please say you saw it in New Home Guide!

GTAHOT SHEET


AristA Homes - Goddard on the valley 39

AristA Homes - Jefferson Forest 29

Aspen ridge Homes - Corporate 1

Aspen ridge Homes - Upper West Side 5

Aspen ridge Homes - Woodland Hills IFC

BAllymore Homes - Jubilee 63

BAllymore Homes - Mill Street Village 69

Bild - Promo 104

BriArwood Homes - Jubilee 63

BriArwood Homes - Mill Street Village 69

Brookfield Homes - BrookHill 17

Brookfield Homes - Grand Central 16

CAnpAges - Promo 56

ConservAtory group - Upper West Side 5

Country wide Homes - The Arbors 47

Country wide Homes - Upper West Side 5

digitAl deviCe - Promo 105

empire Communities - Corporate 85

fAmily of mAgAzines - Promo 116

fieldgAte Homes - 90 Niagara Insert & 25

fieldgAte Homes - Aurora Trails Insert & 25

fieldgAte Homes - BlueSky Stouffville 25

fieldgAte Homes - IMPRESSIONS Insert & 25

fieldgAte Homes - Jefferson Forest Insert, 25 & 29

fieldgAte Homes - Lotus Pointe Caledon Insert & 25

fieldgAte Homes - The New U Insert & 25

fieldgAte Homes - Valley Lands Insert & 25

fieldgAte Homes - Vaughan Valley Estates Insert & 25

flAto developments inC. - Corporate 49

forest Hill Homes - Cornell Rouge 43

forest Hill Homes - Derry Village Mississauga 87

forest Hill Homes - Jefferson Forest 29

gerAnium Homes - Uptownes at Cardinal Point 30-31

grAndview Homes - Mayberry Estate 71

greAt gulf - Mount Pleasant 35

greAt gulf - Rolling Meadows 34

greAt gulf - Summerlyn Village 35

greAt gulf - Westfield 34

greenpArk Homes - Vales of the Humber Estates 27

HeAtHwood Homes - Hampshire Mews 51

HigHmArk Homes - Nuvo 59

Homes By desAntis - Lyon’s Creek 91

advertiserindex

118 new home guide gta | june 14 - 28, 2014 june 14 - 28, 2014 | new home guide gta 119

leBoviC Homes - Old Taunton in Pickering 103

lormel Homes - La Viva 61

losAni Homes - Victoria Common 89

luxury living mAgAzine - Promo 46

mAdison Homes - Cornell Rouge 11 & 43

mAdison Homes - Greensborough 11

mAdison Homes - Jefferson Forest 29

mAdison Homes - Thornhill 11

mAnCini Homes - West Ridge Place Orillia 67

mArydel Homes - Seven Meadows 65

mAttAmy Homes - Corporate 8

mAttAmy Homes - Downsview Park BC

mAttAmy Homes - Hawthorne Village 9

mAttAmy Homes - Mount Pleasant North 9

mAttAmy Homes - St. John Forest 9

mAttAmy Homes - Wildflowers 9

menkes - Bloom Park Towns 7

menkes - Corporate 6

menkes - Dwell city town 7

menkes - Humber Mews 7

menkes - Millstone On The Park 7

menkes - Somerset 7

menkes - The Enclaves of Upper Canada 7

model Home CAlendAr - Promo 100

monArCH CorporAtion - Corporate 120 & IBC

nAtionAl Homes - The Townes of Richview 37

plAzA premium lounge - Promo 55

primont Homes - Castlemore 13

primont Homes - Centretown 12

primont Homes - Heirloom in Markham 13

primont Homes - Renaissance Townes 12

regAl Crest Homes - Upper West Side 5

roseHAven Homes - Corporate 22-23

roseHAven Homes - Lyon’s Creek 91

sCHwArz lAw llp - Barristers & Solicitors 53

sHopping guide - Promo 82

stArlAne Home CorporAtion - Vales of the Humber Estates 27

townwood Homes - Upper West Side 5

treAsure Hill Homes - Corporate 19

treAsure Hill Homes - Model Home of the Month 18

treAsure Hill Homes - Vales of the Humber Estates 27

triBute Communities - Charing Cross 15

118 new home guide gta | june 14 - 28, 2014 june 14 - 28, 2014 | new home guide gta 119

first.

Please see a sales associate for full details. E.&O.E. 11242

discover moreMonarchGroup.net

SCARBOROUGH | Parkwood | Register NowFreehold Towns coming this July

KITCHENER | Topper Woods | Register Now Singles coming this June

Monarchfirst.Since 1917, Monarch has been at the heart of so many family histories. First homes. First memories. First accomplishments. First friends. And first loves. For almost a century, the reassuring welcome of a Monarch home on a Monarch street has brought thousands and thousands of families closer together. So if you’re looking for a new home, trust the oldest, strongest and most respected name in Canadian homebuilding. Choose Monarch. First.

HOURS: Monday – Thursday: 1pm – 8pm, Friday: 12pm – 5pm, Weekends & Holidays: 11am – 6pm

ALSO BUILDING HIGH RISE COMMUNITIES IN:Etobicoke | Markham | Downtown Toronto

CALEDON | SouthFields | Designer Decorated ModelsSingles & Live.Work Towns from the low $600,000’sTownhomes from the upper $300,000’s Sales Centre located at 12515 Old Kennedy Road, Caledon (Old Kennedy Rd. and Mayfield Rd.)905-843-0707

KLEINBURG | Kleinburg Crown Estates | Designer Decorated ModelsSingles from the upper $800,000’sSales Centre located at 165 Timber Creek Boulevard416-495-3513

AJAX | Tranquility | Only Few Lots RemainingSingles from the upper $500,000’sSales Centre located at 3 Bignell Crescent (Salem Rd. North & Rossland Rd. East)416-495-3542

MONARCH COMMUNITIES

© Aspen Ridge Homes. Prices and specifications are subject to change. See sales representative for details. All Rights Reserved. E.&O.E. May 2014. 23516.

ASPIRETO STANDARD

FEATURES THAT FEEL

SIGNATURE.What makes for good design? At Aspen Ridge, we believe it’s the moment your aspirations become actualizations. The moment your dream kitchen becomes a space where you sip, stir, savour. When interiors not only have the best designer � nishes, but are designed to your tastes. Trends fade. Styles change. Good design? It withstands the test of time. That’s what we aspire to.

PRESENTATION CENTRE NOW OPEN18001 Bathurst St., Newmarket

Towns from the $450’s | Singles from the $570’s416.270.9484 | aspenridgehomes.com

Aspire to great design.

NOW OPEN8 Communities and 9 models from3 of Toronto’s leading interior designers.

BRAMPTON Credit Manor HeightsPresentation Centre & Model Home 905.216.5155

BRAMPTONMAYFIELD VILLAGEPresentation Centre 905.230.2592

MARKHAMUpper CornellPresentation Centre & Model Home 905.554.3446

RICHMOND HILLKettle Lakes ClubPresentation Centre & 2 Model Homes 289.234.1064

NEWMARKETWOODLAND HILLSPresentation Centre 416.270.9484

NOBLETON King Country EstatesPresentation Centre & 2 Model Homes 905.558.0255

KLEINBURGKleinburg HillsPresentation Centre & 2 Model Homes 905.552.0678

KING CITYKing OaksPresentation Centre & Model Home 905.539.0181

MORE INFO ATaspenridgehomes.com

COMING SOONVAUGHANUPPER WEST SIDE REGISTER NOW AT aspenridgehomes.com

ASPIRE TO OPEN-CONCEPT DESIGN. AT HOME. AND IN YOUR COMMUNITY.Welcome to Newmarket’s Woodland Hills, where you’ll experience a neighbourhood fabric that strikes a dramatic blend between big city amenities and small town charm. Discover gracious family homes where design consideration goes into every last detail, and where nature’s “exterior design” includes a conservation area and a natural community pond for all to enjoy.

Now Open!

Visit the Presentation Centre north of Davis Drive on Bathurst, Newmarket.

aspenridgehomes.com

6.875” x 10.5” IGF 7.25” x 10.5” IFC 7.25” x 10.5”foldASP 23516 Woodlnd Hills New Homes 4 Pager May 2014.indd 2-4 14-05-23 5:02 PM


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mattamyhomes.com

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• Downsview Park offers Rear Lane Townhomes, unique Stacked Homes all styled for contemporary, urban living• There’s a world-class 300 acre park outside your door• There’s a lake and trail system• Live minutes from the Subway

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Stacked TownsFrom $319,990 Rear Lane Towns From $489,990

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Rear Lane Townhome, Mount Faber Park I, Elev. ‘A’, 1,985 Sq.Ft., $539,990.

ELEV. ‘A’

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gta new home guide - jun 14, 2014

Documents

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new home warrantyestimating

gta new homes gatefold

woodlnd hills new homes

new releases

markham fieldgate homes

pages of new openings

new era of design