calgary home guide - 15 jul, 2016
DESCRIPTION
A Yellow Pages NextHome PublicationTRANSCRIPT
Sold to the fi rst buyer in the door!
403.807.7193 [email protected] | Cameron-Realty.ca
DORY CAMERON Broker, FRI, CCS, CSP
For more information please go to pages 18-19
INSIDE THIS ISSUE
JUL 15 - AUG 12, 2016VOLUME 16, ISSUE 07, FREE
THE IMPORTANCE OF STAGINGWHEN SELLING YOUR HOME
MOVE OVER PAINT –WALLPAPER IS HERE TO STAY
3 STEPS TO GUIDEFIRST-TIME BUYERS
OAKRIDGE2 storey condo townhouse with 2 bedrooms backing onto greenspace. Great location! Close to walking paths and Glenmore Reservoir. Large living room with wood burning fi replace and patio doors to large deck. Updated kitchen with stainless steel stove and fridge. 2 spacious bedrooms upstairs and 4 piece bathroom big enough for a washer and dryer. Walking distances to schools and all amenities. Great fi rst time buy or investment property. MLS#C4036440
GREAT INVESTMENT PROPERTY
$199,900
BOWNESS Extensively updated 2 storey end unit townhouse in showhome condition. Ready to move in and enjoy. NO CONDO FEES! Total of 5 units in complex. Brand new roof. Recently painted throughout with new laminate fl oor and brand new carpet on stairs and second fl oor. Large living room. Bright, updated maple dark kitchen with black appliances open to large eating area.Staircase leading upstairs to master bedroom and good sized 2nd bedroom and 4 piece bath. Basement is ready for development. Enclosed backyard. Ideal for the fi rst time buyer or investor. Close to amenities and transportation across the street. Exceptional value! MLS#C4068349
EXTENSIVELY UPDATED!
$212,900
$314,900
BRAESIDE1036 sq ft 2 Storey Townhouse. Sunny West Facing View with Open Floor Plan ,Main Floor has newer laminate fl ooring. Large Living Room, Main Laundry Room with lots of Storage. Kitchen with White Cabinets and Stainless Steel Fridge and Nook Area leads to large balcony. Upstairs has Large Master bedroom, 1 Full 4 pc bathroom, Second Good Sized room. Lots of Storage. Views of the Park, Close to Bus Stops and Shopping. MLS#C4069339
IDEAL LOCATION!
$239,800
SIGNAL HILL Spacious sunny unit with soaring vaulted ceilings. White kitchen with breakfast eating bar. Open to dining room and living room with gas fi replace. East facing larger deck off the living room. Large master bedroom with 4 piece ensuite and walk in closet and west facing deck. Single attached garage, This unit is a 5 minute walk to Sunterra Market and C train. Great unit with tons of potential. MLS#C4051921
SPACIOUS UNIT!
$288,900
HIGH RIVER-SUNSHINE MEADOWWelcome home to your Immaculate 3-bedroom end unit bungalow! These villas are built specifi cally with no steps, no stair and no basement. This beautiful open concept bungalow with a single attached heated garage is in show home condition. The gorgeous kitchen comes will all stainless steel appliances and a large pantry with tons of cabinets for storage. The great room has 9ft vaulted ceilings. There are two full bathrooms, the master bedroom en-suite has a walk-in shower. 2 other good sized bedrooms. Totally low maintenance unit in this 19+ complex. MLS#C4056544
OPEN CONCEPT!
$299,000
SOMERSET Welcome home to 255 Somerset Drive! This fully developed beautiful bungalow with a LOFT is situated on a corner lot in the much desired area of Somerset! This bright open concept bungalow features skylights for tons of natural light and vaulted ceilings. The beautiful kitchen has granite counter tops, brand new dishwasher and hood fan. The large master bedroom has a huge ensuite with a jetted tub. There is a second bedroom on the main fl oor with a second full bathroom. The fully developed basement has a third bedroom, third full bathroom and a large recreation room. There is also tons of space for storage! Upstairs the bright Loft is perfect for a home offi ce! Outside you have a large fenced landscaped yard situated on a corner lot! You don’t miss seeing this amazing home! MLS#C4058699
BEAUTIFUL BUNGALOW!
$489,999
SPRUCE CLIFF Executive 2 bedroom plus den apartment condo overlooking Shaganappi Golf Course in showhome condition. Very bright and open plan. Gourmet kitchen with breakfast eating bar and stainless steel appliances open to large dining area and huge great room with gas fi replace. Double French doors leading out to covered deck with Golf Course and city views. Main fl oor den and separate laundry room. 3 piece bathroom. Large master bedroom with 5 piece spa like ensuite with large walk in closet. French door leading out from master bedroom to another deck with view. 2nd bedroom was converted into a TV room and easily converted back. 1 underground, titled, heated parking stall and storage locker. Quiet building. Walking distance to LRT, shopping, schools and amenities. Minutes to downtown. Pride of ownership shown throughout. Ideal for professional couple or empty nester. Exceptional value! MLS#C4066887
EXECUTIVE CONDO!
$529,900
COVENTRY HILLS 2 Storey, double attached garage with 2265 sq ft. Open to below Foyer, Offi ce/Den and Living Room with Gas fi replace and built ins. Large, Raised Kitchen Island with Granite and Stainless Steel Appliances.Walk in Pantry. Hardwood on main fl oor. Upstairs with Huge Bonus room, vaulted ceilings, french doors lead to Balcony. Master has walk in closet, 4 piece ensuite with Jetted Tub. 2 other good sized rooms and another 4 piece bathroom. Basement is partially fi nished, just waiting for your personal touches. Located in a quiet cul de sac with Large Pie shaped, fully fenced backyard. Quick access to Stoney Trail, Deerfoot, Superstore, Theatres and shopping centres. MLS#C4071311
GREAT LOCATION!
$534,900
MINUTES TO DOWNTOWN!
$579,900
LEN T. WONGBroker
LAURA O’CONNELLAssociate/Partner
PANORAMA HILLSExceptionally well maintained 2 storey townhouse condo with single attached garage in showhome condition. Very bright and open plan. 3 bedrooms and 3 bathrooms. Gourmet maple kitchen with centre island open to large dining area and huge great room. French door leading from kitchen to a concrete patio. 2 piece powder room. Staircase leading upstairs to large master bedroom with 4 piece ensuite with walk in closet. 2 other good sized bedrooms and 4 piece main bath. Basement is ready for development with laundry and storage area. Oversized single attached garage. Quiet location. Walking distance to schools and close to amenities. ideal for 1st time buyer or family. Exceptional value! MLS#C4054720
EXCEPTIONAL VALUE!
$324,900
GLAMORGANExceptionally well maintained bungalow with fully developed walkout basement ready to move in and enjoy. Total of 3 bdrms and 3 baths. Very bright and open plan. Vaulted ceilings in the formal dining and living room with fi replace and skylight. Upgraded Cherry oak cabinets with granite countertops and designer tiled backsplash with stainless steel and black appliances with eating area and patio dr leading out to large maintenance free deck. Large master bdrm with new carpets and 4pc updated ensuite with jetted tub, separate shower and large closet with built ins. 4pc main bath. Main fl r laundry with sink and cabinets. Professionally developed walkout basement with family rm with wet bar, bdrm, cheater 4pc ensuite and fl ex rm ideal for workout rm/games rm or storage. Patio drs leading out to a secluded yard. Double attached garage. Quiet location. Walking distance to amenities, schools and transportation. Ideal for empty nester or professional couple. Exceptional value. MLS#C4051844
WELL MAINTAINED BUNGALOW!
$414,900
DOUGLASDALE/GLENNestled on a quiet street of Douglas Ridge Way is this inviting 2 storey family home. A spacious front porch welcomes you inside the main fl oor, a very large formal dining room for family gatherings. The huge kitchen features stainless steel appliances, new granite countertops, corner pantry and an abundance of cabinetry. A large great room with a tile surround gas fi replace. A south facing backyard with an upgraded oversized deck, great for summer bbqs. Upstairs, a master retreat with walk in closet and a four piece ensuite. Two good sized bedrooms and a four piece main bath complete this level. The fi nished basement has a great layout: a large family room for either watching movies or a game of billiards on the pool table. This home is well maintained, has a 3 year old roof and a new hot water tank. Call to view today! MLS#C4066533
SPACIOUS HOME!
$455,000
SUNSET RIDGE-COCHRANE Brand new Landmark attached Brookside III 2 storey with single attached garage backing onto greenspace. Energy effi cient with high effi ciency furnace. 2 bedrooms, 3 baths and loft area. Over 1300 sq ft. Bright and open plan. Gorgeous kitchen with granite countertops and stainless steel appliances open to eating area and large great room. 2 piece powder room. Upstairs has large master bedroom and 4 piece bath. 1 other good sized bedroom and 4 piece main bath. 2nd fl oor laundry room. Undeveloped basement. 5 year Builder’s Warranty and 10 year Alberta New Home Warranty. MLS#C4070692
BRAND NEW!
$329,900
BRAESIDE 2 bedrooms, 1.5 baths, Fully developed basement, 950 sq.ft Townhouse in Braeside. Main fl oor features kitchen, Living room with new fi replace and tiles, nook area and 2piece bathroom. Upstairs has large master bedroom, second good sized bedroom and 4 piece bathroom with new tub surround. Fully developed basement with large Rec Room and laundry area. New paint throughout. Private entrance with yard and is fully fenced. Outdoor parking stall. MLS#C4070463
GREAT TOWNHOME!
$224,900
YOUR HOME SOLD IN 90 DAYS OR WE MAY BUY IT!*
MACKENZIE POINT AIRDRIE Extensively upgraded top fl oor south facing 2 bedroom plus den/3rd bedroom and 2 bathrooms. Rare 2 underground heated parking stalls. Ready to move in and enjoy/ Very bright and open plan. 16K worth of upgrades. Gourmet kitchen with breakfast eating bar, granite countertops, designer tiled backsplash and stainless steel appliances open to large eating area and great room. French door leading to covered deck. Large master bedroom with walk thru his/hers closet and 3pc ensuite. Good sized second bedroom. 3rd bedroom or offi ce/fl ex room. 4pc main bath. Large insuite laundry and storage area. Rare 2 underground heated, titled parking stalls. Pride of ownership shown throughout. Ideal for young family. Exceptional value! MLS#C4066518
IDEAL FOR YOUNG FAMILY!
$237,900
Let Len and Laura and their team put their extensive experience with the Calgary real estate market to work for you.
HIGH RIVER-SUNSHINE MEADOWWelcome home to your Immaculate 3-bedroom end unit bungalow! These villas are built specifi cally with no steps, no stair and no basement. This beautiful open concept bungalow with a single attached heated garage is in show home condition. The gorgeous kitchen comes will all stainless steel appliances and a large pantry with tons of cabinets for storage. The great room has 9ft vaulted ceilings. There are two full bathrooms, the master bedroom en-suite has a walk-in shower. 2 other good sized bedrooms. Totally low maintenance unit in this 19+ complex. MLS#C4056544
OPEN CONCEPT!
$299,000
SOMERSET Welcome home to 255 Somerset Drive! This fully developed beautiful bungalow with a LOFT is situated on a corner lot in the much desired area of Somerset! This bright open concept bungalow features skylights for tons of natural light and vaulted ceilings. The beautiful kitchen has granite counter tops, brand new dishwasher and hood fan. The large master bedroom has a huge ensuite with a jetted tub. There is a second bedroom on the main fl oor with a second full bathroom. The fully developed basement has a third bedroom, third full bathroom and a large recreation room. There is also tons of space for storage! Upstairs the bright Loft is perfect for a home offi ce! Outside you have a large fenced landscaped yard situated on a corner lot! You don’t miss seeing this amazing home! MLS#C4058699
BEAUTIFUL BUNGALOW!
$489,999
SPRUCE CLIFF Executive 2 bedroom plus den apartment condo overlooking Shaganappi Golf Course in showhome condition. Very bright and open plan. Gourmet kitchen with breakfast eating bar and stainless steel appliances open to large dining area and huge great room with gas fi replace. Double French doors leading out to covered deck with Golf Course and city views. Main fl oor den and separate laundry room. 3 piece bathroom. Large master bedroom with 5 piece spa like ensuite with large walk in closet. French door leading out from master bedroom to another deck with view. 2nd bedroom was converted into a TV room and easily converted back. 1 underground, titled, heated parking stall and storage locker. Quiet building. Walking distance to LRT, shopping, schools and amenities. Minutes to downtown. Pride of ownership shown throughout. Ideal for professional couple or empty nester. Exceptional value! MLS#C4066887
EXECUTIVE CONDO!
$529,900
COVENTRY HILLS 2 Storey, double attached garage with 2265 sq ft. Open to below Foyer, Offi ce/Den and Living Room with Gas fi replace and built ins. Large, Raised Kitchen Island with Granite and Stainless Steel Appliances.Walk in Pantry. Hardwood on main fl oor. Upstairs with Huge Bonus room, vaulted ceilings, french doors lead to Balcony. Master has walk in closet, 4 piece ensuite with Jetted Tub. 2 other good sized rooms and another 4 piece bathroom. Basement is partially fi nished, just waiting for your personal touches. Located in a quiet cul de sac with Large Pie shaped, fully fenced backyard. Quick access to Stoney Trail, Deerfoot, Superstore, Theatres and shopping centres. MLS#C4071311
GREAT LOCATION!
$534,900
WINSTON HEIGHTS/MOUNTVIEW Executive 3 storey townhouse condo with single detached garage in showhome condition. 3 bdrms & baths. 9ft ceilings on main fl r. Extensive upgrades & built ins thru out. Contemporary design thru out. Gourmet kitchen with centre island with quartz countertops, designer tiled backsplash & s/s appliances including induction countertop stove open to large pantry rm & dining rm with built ins & huge great rm with gas fi replace. Hardwood fl rs thru out main fl r. 2pc powder rm. Staircase leading upstairs to 2 large bdrms with walk in closet, 5pc bath & laundry rm. 3rd level has gorgeous master bdrm with 5pc spa like ensuite with large soaker tub, oversized shower & huge walk in closet with built ins. French dr leading out from master to south facing maintenance free deck with glass panels & metal railing with full city views. Basement is ready from development with 9ft ceilings & rough in for bath. Pride of ownership. Double detached garage. Quiet location. Walking distance to amenities & minutes to downtown. MLS#C4056521
MINUTES TO DOWNTOWN!
$579,900
PANORAMA HILLS Executive custom built 2 storey with fully developed w/o in showhome condition. Backs onto ravine & pathways with west backyard. Ready to move in and enjoy. Total of 5 bdrms, bonus rm & 4 baths. Gourmet maple kitchen with centre island, breakfast eating bar, granite, designer tiled backsplash & upgraded appliances open to large eating area & spacious great rm with gas fi replace. Flex rm ideal for dining rm or den. French dr from eating area to large deck with gasline for BBQ and views. 2pc powder rm. Walk thru pantry & mud rm off garage entrance. Staircase leading upstairs to large bonus rm with vaulted ceiling. Large master bdrm with 5pc ensuite with jetted tub, oversized shower & walk in closet with laundry rm off hallway or master bdrm. 2 other good sized bdrms & 4pc bath. Professionally developed w/o bsmt with 9ft ceilings, laminate fl rs, 2 bdrms, huge family rm & games rm with wet bar & bathrm with heated fl rs. Stamped concrete patio with gasline. Excellent family home. Exceptional value! MLS#C4067671
MUST SEE!
$669,900
KINCORA Located on one of the larger lots in Kincora! Beautiful 2 storey fully developed basement with infl oor heat and oversized garage. Very bright & open concept plan. 9 ft ceilings on the main fl oor. Formal dining/fl ex room with hardwood fl oors. Main fl oor den with built ins. Gourmet maple kitchen with center island, tiled backsplash with partial granite countertops. Open to large eating area & huge great room with gas fi replace & built-ins. 2 piece powder & huge laundry room. Patio doors off the eating area lead out to a large deck with gasline for BBQ. Concrete patio & 10x10 shed on south facing backyard. The gorgeous staircase leading upstairs to large master bedroom with sitting area & 5pc ensuite with soaker tub & separate shower & huge walk-in closet. 2 other great sized bedrooms with built-in desks. Professionally developed basement with large recreation room, wet bar, bedroom & huge storage room with 2 furnaces. Pride of ownership shown throughout. Quiet location. Excellent family home. MLS#C4068230
FAMILY HOME!
$610,000
COCHRANE-HERITAGE HILLStunning open concept 2 Storey with fully fi nished walkout basement, bonus room and double attached garage. This home is fi lled with so many grand features starting with over 3000 square feet to call your own! The amazing kitchen has granite counters with an enormous island, stainless steel appliances with a gas stove open to large eating area and great room with gas fi replace. Door off eating area to spacious deck. 2pc powder room. Mud room off garage with lockers for storage. Upstairs you will fi nd a beautiful spacious master bedroom with a spa like ensuite. There are two other good size bedrooms with a large bonus room. The fully fi nished walkout basement has fourth bedroom, full bathroom and an amazing media room! Great family home. Exceptional value! MLS#C4061430
STUNNING OPEN CONCEPT!
$590,900
PANORAMA HILLSExceptionally well maintained 2 storey townhouse condo with single attached garage in showhome condition. Very bright and open plan. 3 bedrooms and 3 bathrooms. Gourmet maple kitchen with centre island open to large dining area and huge great room. French door leading from kitchen to a concrete patio. 2 piece powder room. Staircase leading upstairs to large master bedroom with 4 piece ensuite with walk in closet. 2 other good sized bedrooms and 4 piece main bath. Basement is ready for development with laundry and storage area. Oversized single attached garage. Quiet location. Walking distance to schools and close to amenities. ideal for 1st time buyer or family. Exceptional value! MLS#C4054720
EXCEPTIONAL VALUE!
$324,900
GLAMORGANExceptionally well maintained bungalow with fully developed walkout basement ready to move in and enjoy. Total of 3 bdrms and 3 baths. Very bright and open plan. Vaulted ceilings in the formal dining and living room with fi replace and skylight. Upgraded Cherry oak cabinets with granite countertops and designer tiled backsplash with stainless steel and black appliances with eating area and patio dr leading out to large maintenance free deck. Large master bdrm with new carpets and 4pc updated ensuite with jetted tub, separate shower and large closet with built ins. 4pc main bath. Main fl r laundry with sink and cabinets. Professionally developed walkout basement with family rm with wet bar, bdrm, cheater 4pc ensuite and fl ex rm ideal for workout rm/games rm or storage. Patio drs leading out to a secluded yard. Double attached garage. Quiet location. Walking distance to amenities, schools and transportation. Ideal for empty nester or professional couple. Exceptional value. MLS#C4051844
DOUGLASDALE/GLENNestled on a quiet street of Douglas Ridge Way is this inviting 2 storey family home. A spacious front porch welcomes you inside the main fl oor, a very large formal dining room for family gatherings. The huge kitchen features stainless steel appliances, new granite countertops, corner pantry and an abundance of cabinetry. A large great room with a tile surround gas fi replace. A south facing backyard with an upgraded oversized deck, great for summer bbqs. Upstairs, a master retreat with walk in closet and a four piece ensuite. Two good sized bedrooms and a four piece main bath complete this level. The fi nished basement has a great layout: a large family room for either watching movies or a game of billiards on the pool table. This home is well maintained, has a 3 year old roof and a new hot water tank. Call to view today! MLS#C4066533
SUNSET RIDGE-COCHRANE Brand new Landmark attached Brookside III 2 storey with single attached garage backing onto greenspace. Energy effi cient with high effi ciency furnace. 2 bedrooms, 3 baths and loft area. Over 1300 sq ft. Bright and open plan. Gorgeous kitchen with granite countertops and stainless steel appliances open to eating area and large great room. 2 piece powder room. Upstairs has large master bedroom and 4 piece bath. 1 other good sized bedroom and 4 piece main bath. 2nd fl oor laundry room. Undeveloped basement. 5 year Builder’s Warranty and 10 year Alberta New Home Warranty. MLS#C4070692
BRAND NEW!
$329,900
DISCOVER THE ADVANTAGE
CRANSTON Executive custom a/c 2 storey w/ developed bsmt & o/s heated dbl garage w/util sink. Steps from the ravine. 4 bdrms, loft, den & 4 baths. 9ft ceilings. Recently painted thru out. Formal dining rm w/ coffered ceilings. Rounded corners thru out. Gourmet maple kitchen w/ granite, designer tiled backsplash, centre island & newer s/s appliances open to eating area & huge great rm w/ 2 storey Cathedral ceilings & gas fp. Main fl r laundry rm w/ cabinets. Main fl r den w/ French dr. Gorgeous staircase leading upstairs to loft area w/ built ins overlooking great rm. Large master bdrm & 5pc ensuite w/ jetted tub, o/s shower & separate w/i closet. 2 good sized bdrms & 4pc bath. Developed bsmt w/ family rm w/ gas fp, games rm, bdrm w/ w/i closet & 4pc bath.R/I for wet bar. Storage rm. 2 furnaces/humid. Solar shield thru out most windows & silhouette blinds. Landscaped yard w/ deck &interlocking stone patio, gasline for BBQ. R/I for hot tub & u/g sprinklers. Newer roof in 2014 & HWT in 2011. Expo aggreg drvwy & walks. MLS#C4061266
GREAT LOCATION!
$699,900
YOUR HOME SOLD IN 90 DAYS OR WE MAY BUY IT!*
OAKRIDGE2 storey condo townhouse with 2 bedrooms backing onto greenspace. Great location! Close to walking paths and Glenmore Reservoir. Large living room with wood burning fi replace and patio doors to large deck. Updated kitchen with stainless steel stove and fridge. 2 spacious bedrooms upstairs and 4 piece bathroom big enough for a washer and dryer. Walking distances to schools and all amenities. Great fi rst time buy or investment property. MLS#C4036440
GREAT INVESTMENT PROPERTY
$199,900
BOWNESS Extensively updated 2 storey end unit townhouse in showhome condition. Ready to move in and enjoy. NO CONDO FEES! Total of 5 units in complex. Brand new roof. Recently painted throughout with new laminate fl oor and brand new carpet on stairs and second fl oor. Large living room. Bright, updated maple dark kitchen with black appliances open to large eating area.Staircase leading upstairs to master bedroom and good sized 2nd bedroom and 4 piece bath. Basement is ready for development. Enclosed backyard. Ideal for the fi rst time buyer or investor. Close to amenities and transportation across the street. Exceptional value! MLS#C4068349
EXTENSIVELY UPDATED!
$212,900
$314,900
BRAESIDE1036 sq ft 2 Storey Townhouse. Sunny West Facing View with Open Floor Plan ,Main Floor has newer laminate fl ooring. Large Living Room, Main Laundry Room with lots of Storage. Kitchen with White Cabinets and Stainless Steel Fridge and Nook Area leads to large balcony. Upstairs has Large Master bedroom, 1 Full 4 pc bathroom, Second Good Sized room. Lots of Storage. Views of the Park, Close to Bus Stops and Shopping. MLS#C4069339
IDEAL LOCATION!
$239,800
SIGNAL HILL Spacious sunny unit with soaring vaulted ceilings. White kitchen with breakfast eating bar. Open to dining room and living room with gas fi replace. East facing larger deck off the living room. Large master bedroom with 4 piece ensuite and walk in closet and west facing deck. Single attached garage, This unit is a 5 minute walk to Sunterra Market and C train. Great unit with tons of potential. MLS#C4051921
SPACIOUS UNIT!
$288,900
HIGH RIVER-SUNSHINE MEADOWWelcome home to your Immaculate 3-bedroom end unit bungalow! These villas are built specifi cally with no steps, no stair and no basement. This beautiful open concept bungalow with a single attached heated garage is in show home condition. The gorgeous kitchen comes will all stainless steel appliances and a large pantry with tons of cabinets for storage. The great room has 9ft vaulted ceilings. There are two full bathrooms, the master bedroom en-suite has a walk-in shower. 2 other good sized bedrooms. Totally low maintenance unit in this 19+ complex. MLS#C4056544
OPEN CONCEPT!
$299,000
SOMERSET Welcome home to 255 Somerset Drive! This fully developed beautiful bungalow with a LOFT is situated on a corner lot in the much desired area of Somerset! This bright open concept bungalow features skylights for tons of natural light and vaulted ceilings. The beautiful kitchen has granite counter tops, brand new dishwasher and hood fan. The large master bedroom has a huge ensuite with a jetted tub. There is a second bedroom on the main fl oor with a second full bathroom. The fully developed basement has a third bedroom, third full bathroom and a large recreation room. There is also tons of space for storage! Upstairs the bright Loft is perfect for a home offi ce! Outside you have a large fenced landscaped yard situated on a corner lot! You don’t miss seeing this amazing home! MLS#C4058699
BEAUTIFUL BUNGALOW!
$489,999
SPRUCE CLIFF Executive 2 bedroom plus den apartment condo overlooking Shaganappi Golf Course in showhome condition. Very bright and open plan. Gourmet kitchen with breakfast eating bar and stainless steel appliances open to large dining area and huge great room with gas fi replace. Double French doors leading out to covered deck with Golf Course and city views. Main fl oor den and separate laundry room. 3 piece bathroom. Large master bedroom with 5 piece spa like ensuite with large walk in closet. French door leading out from master bedroom to another deck with view. 2nd bedroom was converted into a TV room and easily converted back. 1 underground, titled, heated parking stall and storage locker. Quiet building. Walking distance to LRT, shopping, schools and amenities. Minutes to downtown. Pride of ownership shown throughout. Ideal for professional couple or empty nester. Exceptional value! MLS#C4066887
EXECUTIVE CONDO!
$529,900
COVENTRY HILLS 2 Storey, double attached garage with 2265 sq ft. Open to below Foyer, Offi ce/Den and Living Room with Gas fi replace and built ins. Large, Raised Kitchen Island with Granite and Stainless Steel Appliances.Walk in Pantry. Hardwood on main fl oor. Upstairs with Huge Bonus room, vaulted ceilings, french doors lead to Balcony. Master has walk in closet, 4 piece ensuite with Jetted Tub. 2 other good sized rooms and another 4 piece bathroom. Basement is partially fi nished, just waiting for your personal touches. Located in a quiet cul de sac with Large Pie shaped, fully fenced backyard. Quick access to Stoney Trail, Deerfoot, Superstore, Theatres and shopping centres. MLS#C4071311
GREAT LOCATION!
$534,900
MINUTES TO DOWNTOWN!
$579,900
LEN T. WONGBroker
LAURA O’CONNELLAssociate/Partner
PANORAMA HILLSExceptionally well maintained 2 storey townhouse condo with single attached garage in showhome condition. Very bright and open plan. 3 bedrooms and 3 bathrooms. Gourmet maple kitchen with centre island open to large dining area and huge great room. French door leading from kitchen to a concrete patio. 2 piece powder room. Staircase leading upstairs to large master bedroom with 4 piece ensuite with walk in closet. 2 other good sized bedrooms and 4 piece main bath. Basement is ready for development with laundry and storage area. Oversized single attached garage. Quiet location. Walking distance to schools and close to amenities. ideal for 1st time buyer or family. Exceptional value! MLS#C4054720
EXCEPTIONAL VALUE!
$324,900
GLAMORGANExceptionally well maintained bungalow with fully developed walkout basement ready to move in and enjoy. Total of 3 bdrms and 3 baths. Very bright and open plan. Vaulted ceilings in the formal dining and living room with fi replace and skylight. Upgraded Cherry oak cabinets with granite countertops and designer tiled backsplash with stainless steel and black appliances with eating area and patio dr leading out to large maintenance free deck. Large master bdrm with new carpets and 4pc updated ensuite with jetted tub, separate shower and large closet with built ins. 4pc main bath. Main fl r laundry with sink and cabinets. Professionally developed walkout basement with family rm with wet bar, bdrm, cheater 4pc ensuite and fl ex rm ideal for workout rm/games rm or storage. Patio drs leading out to a secluded yard. Double attached garage. Quiet location. Walking distance to amenities, schools and transportation. Ideal for empty nester or professional couple. Exceptional value. MLS#C4051844
WELL MAINTAINED BUNGALOW!
$414,900
DOUGLASDALE/GLENNestled on a quiet street of Douglas Ridge Way is this inviting 2 storey family home. A spacious front porch welcomes you inside the main fl oor, a very large formal dining room for family gatherings. The huge kitchen features stainless steel appliances, new granite countertops, corner pantry and an abundance of cabinetry. A large great room with a tile surround gas fi replace. A south facing backyard with an upgraded oversized deck, great for summer bbqs. Upstairs, a master retreat with walk in closet and a four piece ensuite. Two good sized bedrooms and a four piece main bath complete this level. The fi nished basement has a great layout: a large family room for either watching movies or a game of billiards on the pool table. This home is well maintained, has a 3 year old roof and a new hot water tank. Call to view today! MLS#C4066533
SPACIOUS HOME!
$455,000
SUNSET RIDGE-COCHRANE Brand new Landmark attached Brookside III 2 storey with single attached garage backing onto greenspace. Energy effi cient with high effi ciency furnace. 2 bedrooms, 3 baths and loft area. Over 1300 sq ft. Bright and open plan. Gorgeous kitchen with granite countertops and stainless steel appliances open to eating area and large great room. 2 piece powder room. Upstairs has large master bedroom and 4 piece bath. 1 other good sized bedroom and 4 piece main bath. 2nd fl oor laundry room. Undeveloped basement. 5 year Builder’s Warranty and 10 year Alberta New Home Warranty. MLS#C4070692
BRAND NEW!
$329,900
BRAESIDE 2 bedrooms, 1.5 baths, Fully developed basement, 950 sq.ft Townhouse in Braeside. Main fl oor features kitchen, Living room with new fi replace and tiles, nook area and 2piece bathroom. Upstairs has large master bedroom, second good sized bedroom and 4 piece bathroom with new tub surround. Fully developed basement with large Rec Room and laundry area. New paint throughout. Private entrance with yard and is fully fenced. Outdoor parking stall. MLS#C4070463
GREAT TOWNHOME!
$224,900
YOUR HOME SOLD IN 90 DAYS OR WE MAY BUY IT!*
MACKENZIE POINT AIRDRIE Extensively upgraded top fl oor south facing 2 bedroom plus den/3rd bedroom and 2 bathrooms. Rare 2 underground heated parking stalls. Ready to move in and enjoy/ Very bright and open plan. 16K worth of upgrades. Gourmet kitchen with breakfast eating bar, granite countertops, designer tiled backsplash and stainless steel appliances open to large eating area and great room. French door leading to covered deck. Large master bedroom with walk thru his/hers closet and 3pc ensuite. Good sized second bedroom. 3rd bedroom or offi ce/fl ex room. 4pc main bath. Large insuite laundry and storage area. Rare 2 underground heated, titled parking stalls. Pride of ownership shown throughout. Ideal for young family. Exceptional value! MLS#C4066518
IDEAL FOR YOUNG FAMILY!
$237,900
Let Len and Laura and their team put their extensive experience with the Calgary real estate market to work for you.
HIGH RIVER-SUNSHINE MEADOWWelcome home to your Immaculate 3-bedroom end unit bungalow! These villas are built specifi cally with no steps, no stair and no basement. This beautiful open concept bungalow with a single attached heated garage is in show home condition. The gorgeous kitchen comes will all stainless steel appliances and a large pantry with tons of cabinets for storage. The great room has 9ft vaulted ceilings. There are two full bathrooms, the master bedroom en-suite has a walk-in shower. 2 other good sized bedrooms. Totally low maintenance unit in this 19+ complex. MLS#C4056544
OPEN CONCEPT!
$299,000
SOMERSET Welcome home to 255 Somerset Drive! This fully developed beautiful bungalow with a LOFT is situated on a corner lot in the much desired area of Somerset! This bright open concept bungalow features skylights for tons of natural light and vaulted ceilings. The beautiful kitchen has granite counter tops, brand new dishwasher and hood fan. The large master bedroom has a huge ensuite with a jetted tub. There is a second bedroom on the main fl oor with a second full bathroom. The fully developed basement has a third bedroom, third full bathroom and a large recreation room. There is also tons of space for storage! Upstairs the bright Loft is perfect for a home offi ce! Outside you have a large fenced landscaped yard situated on a corner lot! You don’t miss seeing this amazing home! MLS#C4058699
BEAUTIFUL BUNGALOW!
$489,999
SPRUCE CLIFF Executive 2 bedroom plus den apartment condo overlooking Shaganappi Golf Course in showhome condition. Very bright and open plan. Gourmet kitchen with breakfast eating bar and stainless steel appliances open to large dining area and huge great room with gas fi replace. Double French doors leading out to covered deck with Golf Course and city views. Main fl oor den and separate laundry room. 3 piece bathroom. Large master bedroom with 5 piece spa like ensuite with large walk in closet. French door leading out from master bedroom to another deck with view. 2nd bedroom was converted into a TV room and easily converted back. 1 underground, titled, heated parking stall and storage locker. Quiet building. Walking distance to LRT, shopping, schools and amenities. Minutes to downtown. Pride of ownership shown throughout. Ideal for professional couple or empty nester. Exceptional value! MLS#C4066887
EXECUTIVE CONDO!
$529,900
COVENTRY HILLS 2 Storey, double attached garage with 2265 sq ft. Open to below Foyer, Offi ce/Den and Living Room with Gas fi replace and built ins. Large, Raised Kitchen Island with Granite and Stainless Steel Appliances.Walk in Pantry. Hardwood on main fl oor. Upstairs with Huge Bonus room, vaulted ceilings, french doors lead to Balcony. Master has walk in closet, 4 piece ensuite with Jetted Tub. 2 other good sized rooms and another 4 piece bathroom. Basement is partially fi nished, just waiting for your personal touches. Located in a quiet cul de sac with Large Pie shaped, fully fenced backyard. Quick access to Stoney Trail, Deerfoot, Superstore, Theatres and shopping centres. MLS#C4071311
GREAT LOCATION!
$534,900
WINSTON HEIGHTS/MOUNTVIEW Executive 3 storey townhouse condo with single detached garage in showhome condition. 3 bdrms & baths. 9ft ceilings on main fl r. Extensive upgrades & built ins thru out. Contemporary design thru out. Gourmet kitchen with centre island with quartz countertops, designer tiled backsplash & s/s appliances including induction countertop stove open to large pantry rm & dining rm with built ins & huge great rm with gas fi replace. Hardwood fl rs thru out main fl r. 2pc powder rm. Staircase leading upstairs to 2 large bdrms with walk in closet, 5pc bath & laundry rm. 3rd level has gorgeous master bdrm with 5pc spa like ensuite with large soaker tub, oversized shower & huge walk in closet with built ins. French dr leading out from master to south facing maintenance free deck with glass panels & metal railing with full city views. Basement is ready from development with 9ft ceilings & rough in for bath. Pride of ownership. Double detached garage. Quiet location. Walking distance to amenities & minutes to downtown. MLS#C4056521
MINUTES TO DOWNTOWN!
$579,900
PANORAMA HILLS Executive custom built 2 storey with fully developed w/o in showhome condition. Backs onto ravine & pathways with west backyard. Ready to move in and enjoy. Total of 5 bdrms, bonus rm & 4 baths. Gourmet maple kitchen with centre island, breakfast eating bar, granite, designer tiled backsplash & upgraded appliances open to large eating area & spacious great rm with gas fi replace. Flex rm ideal for dining rm or den. French dr from eating area to large deck with gasline for BBQ and views. 2pc powder rm. Walk thru pantry & mud rm off garage entrance. Staircase leading upstairs to large bonus rm with vaulted ceiling. Large master bdrm with 5pc ensuite with jetted tub, oversized shower & walk in closet with laundry rm off hallway or master bdrm. 2 other good sized bdrms & 4pc bath. Professionally developed w/o bsmt with 9ft ceilings, laminate fl rs, 2 bdrms, huge family rm & games rm with wet bar & bathrm with heated fl rs. Stamped concrete patio with gasline. Excellent family home. Exceptional value! MLS#C4067671
MUST SEE!
$669,900
KINCORA Located on one of the larger lots in Kincora! Beautiful 2 storey fully developed basement with infl oor heat and oversized garage. Very bright & open concept plan. 9 ft ceilings on the main fl oor. Formal dining/fl ex room with hardwood fl oors. Main fl oor den with built ins. Gourmet maple kitchen with center island, tiled backsplash with partial granite countertops. Open to large eating area & huge great room with gas fi replace & built-ins. 2 piece powder & huge laundry room. Patio doors off the eating area lead out to a large deck with gasline for BBQ. Concrete patio & 10x10 shed on south facing backyard. The gorgeous staircase leading upstairs to large master bedroom with sitting area & 5pc ensuite with soaker tub & separate shower & huge walk-in closet. 2 other great sized bedrooms with built-in desks. Professionally developed basement with large recreation room, wet bar, bedroom & huge storage room with 2 furnaces. Pride of ownership shown throughout. Quiet location. Excellent family home. MLS#C4068230
FAMILY HOME!
$610,000
COCHRANE-HERITAGE HILLStunning open concept 2 Storey with fully fi nished walkout basement, bonus room and double attached garage. This home is fi lled with so many grand features starting with over 3000 square feet to call your own! The amazing kitchen has granite counters with an enormous island, stainless steel appliances with a gas stove open to large eating area and great room with gas fi replace. Door off eating area to spacious deck. 2pc powder room. Mud room off garage with lockers for storage. Upstairs you will fi nd a beautiful spacious master bedroom with a spa like ensuite. There are two other good size bedrooms with a large bonus room. The fully fi nished walkout basement has fourth bedroom, full bathroom and an amazing media room! Great family home. Exceptional value! MLS#C4061430
STUNNING OPEN CONCEPT!
$590,900
PANORAMA HILLSExceptionally well maintained 2 storey townhouse condo with single attached garage in showhome condition. Very bright and open plan. 3 bedrooms and 3 bathrooms. Gourmet maple kitchen with centre island open to large dining area and huge great room. French door leading from kitchen to a concrete patio. 2 piece powder room. Staircase leading upstairs to large master bedroom with 4 piece ensuite with walk in closet. 2 other good sized bedrooms and 4 piece main bath. Basement is ready for development with laundry and storage area. Oversized single attached garage. Quiet location. Walking distance to schools and close to amenities. ideal for 1st time buyer or family. Exceptional value! MLS#C4054720
EXCEPTIONAL VALUE!
$324,900
GLAMORGANExceptionally well maintained bungalow with fully developed walkout basement ready to move in and enjoy. Total of 3 bdrms and 3 baths. Very bright and open plan. Vaulted ceilings in the formal dining and living room with fi replace and skylight. Upgraded Cherry oak cabinets with granite countertops and designer tiled backsplash with stainless steel and black appliances with eating area and patio dr leading out to large maintenance free deck. Large master bdrm with new carpets and 4pc updated ensuite with jetted tub, separate shower and large closet with built ins. 4pc main bath. Main fl r laundry with sink and cabinets. Professionally developed walkout basement with family rm with wet bar, bdrm, cheater 4pc ensuite and fl ex rm ideal for workout rm/games rm or storage. Patio drs leading out to a secluded yard. Double attached garage. Quiet location. Walking distance to amenities, schools and transportation. Ideal for empty nester or professional couple. Exceptional value. MLS#C4051844
DOUGLASDALE/GLENNestled on a quiet street of Douglas Ridge Way is this inviting 2 storey family home. A spacious front porch welcomes you inside the main fl oor, a very large formal dining room for family gatherings. The huge kitchen features stainless steel appliances, new granite countertops, corner pantry and an abundance of cabinetry. A large great room with a tile surround gas fi replace. A south facing backyard with an upgraded oversized deck, great for summer bbqs. Upstairs, a master retreat with walk in closet and a four piece ensuite. Two good sized bedrooms and a four piece main bath complete this level. The fi nished basement has a great layout: a large family room for either watching movies or a game of billiards on the pool table. This home is well maintained, has a 3 year old roof and a new hot water tank. Call to view today! MLS#C4066533
SUNSET RIDGE-COCHRANE Brand new Landmark attached Brookside III 2 storey with single attached garage backing onto greenspace. Energy effi cient with high effi ciency furnace. 2 bedrooms, 3 baths and loft area. Over 1300 sq ft. Bright and open plan. Gorgeous kitchen with granite countertops and stainless steel appliances open to eating area and large great room. 2 piece powder room. Upstairs has large master bedroom and 4 piece bath. 1 other good sized bedroom and 4 piece main bath. 2nd fl oor laundry room. Undeveloped basement. 5 year Builder’s Warranty and 10 year Alberta New Home Warranty. MLS#C4070692
BRAND NEW!
$329,900
DISCOVER THE ADVANTAGE
CRANSTON Executive custom a/c 2 storey w/ developed bsmt & o/s heated dbl garage w/util sink. Steps from the ravine. 4 bdrms, loft, den & 4 baths. 9ft ceilings. Recently painted thru out. Formal dining rm w/ coffered ceilings. Rounded corners thru out. Gourmet maple kitchen w/ granite, designer tiled backsplash, centre island & newer s/s appliances open to eating area & huge great rm w/ 2 storey Cathedral ceilings & gas fp. Main fl r laundry rm w/ cabinets. Main fl r den w/ French dr. Gorgeous staircase leading upstairs to loft area w/ built ins overlooking great rm. Large master bdrm & 5pc ensuite w/ jetted tub, o/s shower & separate w/i closet. 2 good sized bdrms & 4pc bath. Developed bsmt w/ family rm w/ gas fp, games rm, bdrm w/ w/i closet & 4pc bath.R/I for wet bar. Storage rm. 2 furnaces/humid. Solar shield thru out most windows & silhouette blinds. Landscaped yard w/ deck &interlocking stone patio, gasline for BBQ. R/I for hot tub & u/g sprinklers. Newer roof in 2014 & HWT in 2011. Expo aggreg drvwy & walks. MLS#C4061266
GREAT LOCATION!
$699,900
YOUR HOME SOLD IN 90 DAYS OR WE MAY BUY IT!*
4 YPNEXTHOME.CA
Sold to the fi rst buyer in the door!ON THE COVER
in this issue
9 Trending6 homebuying tips for fi rst-timers
14
20
contentsJUL 15 - AUG 12, 2016 | VOLUME 16 ISSUE 07
18
+ online
SEARCHHOME
NEIGHBOURHOOD
WITHDYNAMIC
MAPSLOOK FOR THE CIRCLE
+PHOTOS+VIDEOS+ADVICE+INSPIRATION+TRENDING
MORE
for advertising informationcall 403.829.0393
next deadline: August 5, 2016
maps & extras
6 Editors’ Note
7 Regional maps
22 Homebuyers’ HelpMortgage Rates
11 Mortgage Advice3 steps to help you get into the market
14 Money MattersGood reasons why youshould not co-sign
16 Home Sweet HomeDownsizing sale: Getting thebiggest buck for your bang
17 InspirationThe Scoop
18 Feature PropertyThe importance of stagingwhen selling a home
20 Design SecretsMove over paint – wallpaper is here to stay
PRESIDENT, YELLOW PAGES NEXTHOME
Jacqueline Hill
EDITOR-IN-CHIEF/DIRECTOR OF CONTENT
Susan Legge
DIRECTOR OF SALES
Moe Lalani
EDITOR
Wayne Karl Lydia McNutt (on leave)
MEDIA CONSULTANT
Heather Harke Phone: 403.829.0393
CONTRIBUTING EDITORS
Sonia Bell Elisa Krovblit Jackie Marchildon
NATIONAL CIRCULATION MANAGER
John Jenkins
SENIOR PRODUCTION MANAGER
Helen Pearce
GRAPHIC DESIGNER
Mike Terentiev
PRODUCTION COORDINATOR
Swinder Jodhka
PRINTING
Transcontinental, LGM - Coronet
FOR ADVERTISING INQUIRIES PLEASE CALL 403.461.5518
Home Guide is published by Yellow Pages Homes Limited, located at 2891 Sunridge Way NE, Calgary, AB T1Y 7K7. Home Guide is distributed throughout Calgary at free pick-up locations. This magazine carefully inspects all ads for accuracy, however, the publisher and the printer shall not be responsible for any mistakes, design errors or incorrect information which is provided by the advertiser or their representative. The advertising herein, including the photographs and all artwork, is the property of Home Guide and not that of the advertiser. The advertiser has purchased the right of reproduction in Home Guide magazine only and does not have the right to reproduce the ad in whole or in part in any other place or publication without the consent of the publisher.
The entire contents of this publication are protected by copyright and are intended for the sole use of the public.
The views expressed by the columnists in this publication are not necessarily those of the publication.
CAMERON REALTY GROUP INC. Dory Cameron . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
MAPLE LEAF REALTY Ken Yeoh. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
RE/MAX REAL ESTATE Len T. Wong & Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
ROYAL LEPAGE REAL ESTATE Chris Zaharko. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
MORTGAGE COMPANIES
PROLINKLori Ames . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
RECREATIONAL PROPERTIES & MORE
PEMBERTON HOMES Nancy Vieira . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
advertisers’ index
JUL 15 - AUG 12, 2016 | HOME GUIDE 5
Sold to the fi rst buyer in the door!ON THE COVER
in this issue
9 Trending6 homebuying tips for fi rst-timers
14
20
contentsJUL 15 - AUG 12, 2016 | VOLUME 16 ISSUE 07
18
+ online
SEARCHHOME
NEIGHBOURHOOD
WITHDYNAMIC
MAPSLOOK FOR THE CIRCLE
+PHOTOS+VIDEOS+ADVICE+INSPIRATION+TRENDING
MORE
for advertising informationcall 403.829.0393
next deadline: August 5, 2016
maps & extras
6 Editors’ Note
7 Regional maps
22 Homebuyers’ HelpMortgage Rates
11 Mortgage Advice3 steps to help you get into the market
14 Money MattersGood reasons why youshould not co-sign
16 Home Sweet HomeDownsizing sale: Getting thebiggest buck for your bang
17 InspirationThe Scoop
18 Feature PropertyThe importance of stagingwhen selling a home
20 Design SecretsMove over paint – wallpaper is here to stay
PRESIDENT, YELLOW PAGES NEXTHOME
Jacqueline Hill
EDITOR-IN-CHIEF/DIRECTOR OF CONTENT
Susan Legge
DIRECTOR OF SALES
Moe Lalani
EDITOR
Wayne Karl Lydia McNutt (on leave)
MEDIA CONSULTANT
Heather Harke Phone: 403.829.0393
CONTRIBUTING EDITORS
Sonia Bell Elisa Krovblit Jackie Marchildon
NATIONAL CIRCULATION MANAGER
John Jenkins
SENIOR PRODUCTION MANAGER
Helen Pearce
GRAPHIC DESIGNER
Mike Terentiev
PRODUCTION COORDINATOR
Swinder Jodhka
PRINTING
Transcontinental, LGM - Coronet
FOR ADVERTISING INQUIRIES PLEASE CALL 403.461.5518
Home Guide is published by Yellow Pages Homes Limited, located at 2891 Sunridge Way NE, Calgary, AB T1Y 7K7. Home Guide is distributed throughout Calgary at free pick-up locations. This magazine carefully inspects all ads for accuracy, however, the publisher and the printer shall not be responsible for any mistakes, design errors or incorrect information which is provided by the advertiser or their representative. The advertising herein, including the photographs and all artwork, is the property of Home Guide and not that of the advertiser. The advertiser has purchased the right of reproduction in Home Guide magazine only and does not have the right to reproduce the ad in whole or in part in any other place or publication without the consent of the publisher.
The entire contents of this publication are protected by copyright and are intended for the sole use of the public.
The views expressed by the columnists in this publication are not necessarily those of the publication.
CAMERON REALTY GROUP INC. Dory Cameron . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
MAPLE LEAF REALTY Ken Yeoh. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
RE/MAX REAL ESTATE Len T. Wong & Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
ROYAL LEPAGE REAL ESTATE Chris Zaharko. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
MORTGAGE COMPANIES
PROLINKLori Ames . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
RECREATIONAL PROPERTIES & MORE
PEMBERTON HOMES Nancy Vieira . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
advertisers’ index
Get it in writingThe saying “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.
Before you sign a contract, review it
carefully with the builder. Ask questions.
Fully understand what it contains. 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.
Let us know how it goes. We’d love
to hear from you!
At time of writing, the Bank of
Canada had yet to make its latest
interest rate announcement and
Monetary Policy Report.
The expectation was that the BoC
would again hold its overnight rate
target at 0.5 per cent.
With its Monetary Policy Report
and other moves from the federal
government, however, many experts
expected action.
Potential changes in mortgage
regulations and housing policy seem
inevitable, if not now then in the
coming weeks, after federal Finance
Minister Bill Morneau commissioned a
joint federal, provincial and municipal
working group to study the housing
market, largely to address market
stresses in Toronto and Vancouver.
The challenge with any action
to tackle skyrocketing prices and
declining a� ordability in these cities
will be to not negatively a� ect other
markets where such characteristics
do not exist.
Markets such as Calgary, Edmonton
and other parts of Canada are
experiencing very di� erent conditions
than Toronto and Vancouver. Indeed,
if anything, they need changes to
help, not hinder homebuying activity.
+ get social
Editors' Notes
MARDA LOOP
nexthome.yp.ca/marda-loop
Interact with us on social media: ypnexthome
SUSAN LEGGEEditor-in-Chief / Director of ContentYellow Pages NextHomeEmail: [email protected]: @SusanLegge
WAYNE KARLSenior EditorYellow Pages NextHomeEmail: [email protected]
Housing policy under watch
READ THE STORY ONLINE
OUT OF TOWN
CALGARY
Bragg Creek
Black DiamondTurner Valley
Cochrane
Airdrie
StrathmoreStandard
HussarChestermere
Langdon
Shepard
Dalemead
DeWinton Carseland Mossleigh
Arrowwood
Gleichen
ClunyBassano
Milo
Blackie
Okotoks
Longview
High River
Cayley
Nanton
Stavely
Claresholm
Vulcan
Champion
Caramangay
Crossfield
Didsbury
Cremona
Bearspaw
Balzac
Carstairs
Acme
Carbon
Rockyford
Beieker
Irricana
KeomaDelacourt Dalroy
Lyalta
Katherine
1A
1
168
22
22
7
8
22
22 2A
21
72 9
24
23
2
2A
56
2
27
22X22X
567
772
574
766
766
562
581
575
567
791
564
566564
817791
797
569
840842
561
547
547
552
549549
543
541
540
533
520
527
520
529
842
842
542
531
534
806
Calgary & regional maps
out of town
aCOMMUNITIES & MLS NUMBERS
zone bCOMMUNITIES & MLS NUMBERS
zone
MontereyPark
Abbeydale
Applewood
STONEY TR
16 AV
GreenwoodGreenbiar
Pt. McKay
TRANS CANADA HI
CROWCHILD TR
STONEY TR
STONEY TR
DEERFOOT TR
16 AV
27
562
DEERFOOT TR
MARQUIS OF LORNE TR
MACLEOD TR
1A
68
out of town
GarrisonGreen
UpperScarboro
ErltonMission
Parkhill /Stanley Park
MeadowlarkParkKingsland
Roxboro
WestEnd
Crestmont
TRANS CANADA HI
SARCEE TR
GLENMORE TR
MACLEOD TR
SPRUCEMEADOWS TR
dCOMMUNITIES & MLS NUMBERS
zone
cCOMMUNITIES & MLS NUMBERS
zone
6 YPNEXTHOME.CA
JUL 15 - AUG 12, 2016 | HOME GUIDE 7
Get it in writingThe saying “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.
Before you sign a contract, review it
carefully with the builder. Ask questions.
Fully understand what it contains. 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.
Let us know how it goes. We’d love
to hear from you!
At time of writing, the Bank of
Canada had yet to make its latest
interest rate announcement and
Monetary Policy Report.
The expectation was that the BoC
would again hold its overnight rate
target at 0.5 per cent.
With its Monetary Policy Report
and other moves from the federal
government, however, many experts
expected action.
Potential changes in mortgage
regulations and housing policy seem
inevitable, if not now then in the
coming weeks, after federal Finance
Minister Bill Morneau commissioned a
joint federal, provincial and municipal
working group to study the housing
market, largely to address market
stresses in Toronto and Vancouver.
The challenge with any action
to tackle skyrocketing prices and
declining a� ordability in these cities
will be to not negatively a� ect other
markets where such characteristics
do not exist.
Markets such as Calgary, Edmonton
and other parts of Canada are
experiencing very di� erent conditions
than Toronto and Vancouver. Indeed,
if anything, they need changes to
help, not hinder homebuying activity.
+ get social
Editors' Notes
MARDA LOOP
nexthome.yp.ca/marda-loop
Interact with us on social media: ypnexthome
SUSAN LEGGEEditor-in-Chief / Director of ContentYellow Pages NextHomeEmail: [email protected]: @SusanLegge
WAYNE KARLSenior EditorYellow Pages NextHomeEmail: [email protected]
Housing policy under watch
READ THE STORY ONLINE
OUT OF TOWN
CALGARY
Bragg Creek
Black DiamondTurner Valley
Cochrane
Airdrie
StrathmoreStandard
HussarChestermere
Langdon
Shepard
Dalemead
DeWinton Carseland Mossleigh
Arrowwood
Gleichen
ClunyBassano
Milo
Blackie
Okotoks
Longview
High River
Cayley
Nanton
Stavely
Claresholm
Vulcan
Champion
Caramangay
Crossfield
Didsbury
Cremona
Bearspaw
Balzac
Carstairs
Acme
Carbon
Rockyford
Beieker
Irricana
KeomaDelacourt Dalroy
Lyalta
Katherine
1A
1
168
22
22
7
8
22
22 2A
21
72 9
24
23
2
2A
56
2
27
22X22X
567
772
574
766
766
562
581
575
567
791
564
566564
817791
797
569
840842
561
547
547
552
549549
543
541
540
533
520
527
520
529
842
842
542
531
534
806
Calgary & regional maps
out of town
aCOMMUNITIES & MLS NUMBERS
zone bCOMMUNITIES & MLS NUMBERS
zone
MontereyPark
Abbeydale
Applewood
STONEY TR
16 AV
GreenwoodGreenbiar
Pt. McKay
TRANS CANADA HI
CROWCHILD TR
STONEY TR
STONEY TR
DEERFOOT TR
16 AV
27
562
DEERFOOT TR
MARQUIS OF LORNE TR
MACLEOD TR
1A
68
out of town
GarrisonGreen
UpperScarboro
ErltonMission
Parkhill /Stanley Park
MeadowlarkParkKingsland
Roxboro
WestEnd
Crestmont
TRANS CANADA HI
SARCEE TR
GLENMORE TR
MACLEOD TR
SPRUCEMEADOWS TR
dCOMMUNITIES & MLS NUMBERS
zone
cCOMMUNITIES & MLS NUMBERS
zone
8 YPNEXTHOME.CA
Ken YeohBroker/Owner
FREE Quick OnLine Home Evaluation
403.803.8981 www.mapleleafrealty .ca
MO
NTH
LY
S
TA
TIS
TIC
S
COMMUNITY SOLD SUMMARY FOR JUNE 2016
City of Calgary May-15 May-16 % change Jun-15 Jun-16 % change
Total Sales 2,186 1,923 -12.03% 2,023 1,849 -8.60%
New Listings 3,168 3,317 4.70% 2,930 2,836 -3.21%
Active Listings 5,393 6,176 14.52% 5,411 6,225 15.04%
Median 433,000 433,000 0.00% 430,000 428,550 -0.34%
Average Price 478,850 494,085 3.18% 484,239 483,916 -0.07%
Days on Market 41 42 2.44% 40 45 12.50%
Benchmark Price 457,800 439,700 -3.95% N/A N/A N/A
Note: Calgary Metro only; includes zone A, B, C & D
A T T A C H E D D E T A C H E D
SALE AVG PRICE SALE AVG PRICE
MONTEREY PARK 2 $282,000 5 $392,378
WHITE HORN 2 $309,500 3 $347,300
RUNDLE 1 $210,000 10 $381,290
PINERIDGE 2 $242,250 5 $404,900
TEMPLE 5 $255,000 4 $384,000
By Elisa KrovblitSCOOPthe
Inspiration
Catch up on decor news, inspiration, style + more
the look of the white and blue patterns piled and paired with such ease.
WeWelove
BOHObedroom
INwhite
& BLUE!
the look of the white and blue patterns piled and paired with such ease.
Boho bedroom in white & bluehomesense.ca
Scoop the look!
Reijay Baskets $100-$110 | crateandbarrel.com
‹
Portofi no Bedding, Shams, Pillow, Mat & Rug
$25-$130 | homesense.ca
‹
Loft Pendant Light $229 | cb2.com
‹
Want to feel at home in your house and your neighbourhood? Find your next home now.
find your next home
It’s only a tap away.
DOWNLOAD THE APP
START SEARCHING NOW!
Trending
PLANNING TO BUY YOUR FIRST home
and not sure where to begin? Here
are six tips to help you prepare.
1 | Get with the programs
There are various government
programs available to help you
buy a home.
Home Buyers’ Plan (HBP): The
HBP allows fi rst-time buyers to
withdraw up to $25,000 from their
RRSP to put toward a down payment
on a home. You have up to 15 years
to repay the funds.
First-Time Home Buyers’ Tax
Credit (HBTC): Eligible fi rst-time
buyers can apply for the FTHB to
help o� set the costs associated with
purchasing a home, such as legal
fees, disbursements and land transfer
taxes. The credit can provide up to
$750 in federal tax relief.
More information on these
programs is available at cra.gc.ca
2 | Explore your options
First-time buyers can buy a home with
as little as fi ve per cent of the purchase
price as a down payment – as long
as the property is less than $500,000.
Anything higher than that, and the
minimum down payment for the portion
6 homebuying tips for fi rst-timers
of the price higher than $500,000 is
10 per cent. So, assuming your price
range is at that threshold, you’ll need
to come up with at least $25,000.
3 | Check with the bank of mom and dad
If your parents are baby boomers
who have had the good fortune of
building equity over the years as they
paid down their mortgage while the
value of their property multiplied,
well… they may be in a position to
help. Many buyers are hitting up the
bank of mom and dad. In the last two
years, 28 per cent of fi rst-time buyers
called on their parents to help fi nance
their purchase; from 2010 to 2014,
only 17 per cent did.
4 | Become tech savvy
Mortgage consumers are becoming
very tech savvy. In Canada Mortgage
and Housing Corp.’s 2015 Mortgage
Consumer Survey, 78 per cent of
respondents researched online,
with 70 per cent using a mortgage
calculator to help determine their
payments. And social media is playing
a more important role – 20 per cent
used sites such as Facebook to learn
more, 17 per cent used a mobile
By Wayne Karl
MORE TRENDING ONLINE
ypnexthome.ca/news
device, and of those, 22 per cent used
a mortgage related app.
5 | Befriend a broker or banker
Whether you use broker or a banker
for a mortgage, you’ll likely come to
value the relationship. In the same
CMHC survey, consumer loyalty
strengthened the longer people stayed
with their lender. But people are willing
to switch lenders to get a better rate
and save – a fact which is much more
prevalent for bankers than brokers.
And because brokers are able to o� er
products from multiple lenders, as
opposed to bankers who o� er only the
products of their own institution, the
share held by brokers is growing.
6 | Research, research, research
With prices rising as they are and
uncertainty in some markets,
thorough research is a must.
Everything from your target area,
housing type, builder or realtor,
fi nances, who you borrow from and
the structure of your mortgage – take
your time. Take months. Don’t rush
anything. Anything.
all subject to change, lender qualifications will apply
NEED A MORTGAGE?Call (403) 863-1293 Today!
PRO LINK MORTGAGE Five Year Fixed Rate
2.59%My experience and service will work for you.
JUL 15 - AUG 12, 2016 | HOME GUIDE 9
MORE ADVICE ONLINEypnexthome.ca/news/advice
PURCHASING A HOME will be one of
the biggest investments you’ll ever
make. If you’re just starting to look,
there are a few steps you’ll need to
take before you can buy a home.
Determine how much you can a� ord
First, you have to determine what you
can a� ord. Your a� ordability is based
on your household income, your
current monthly debt payments and
the costs associated with owning a
home (such as property taxes, heating
costs, and condo fees).
A lender will also look at two
ratios to fi gure out how large your
mortgage can be. The fi rst is called
the gross debt service ratio. Your
monthly housing costs for (principal
and interest, taxes, and heating costs)
shouldn’t be more than 32 per cent
of your gross income. The second
is called the total debt service ratio,
which includes your housing costs
as well as any loan expenses (such
as credit card and line of credit
payments, and car loans or leases).
This ratio shouldn’t be higher than 40
per cent of your gross income.
You also have to come up with
enough money to make a down
payment. You’ll need to have a
minimum of fi ve per cent. If you’re
able to come up with a down
payment of 20 per cent or more, you
won’t need mortgage loan insurance.
And you should also have money
saved for closing costs, which could
be between 1.5 and four per cent of
the purchase price of your property.
First-time homebuyers 3 steps required to get into the market
Dip into savings
Once you’ve determined how much
you’ll need, you’ll have to fi nd a
source for your down payment and
closing costs, one of which can be
your RRSP.
Under the Home Buyers’ Plan,
you can withdraw up to $25,000
from your RRSP on a tax-free basis
as long as the funds have been
in the plan for more than 90 days.
If you’re purchasing a property
with a partner who’s also a fi rst-
time buyer, you’ll each be able with
withdraw $25,000.
Keep in mind that the money
has to be paid back starting the
second year after you make the
withdrawal and you have up to
15 years to repay the amount. If
you don’t make an annual payment,
you’ll have to declare it as taxable
income on your tax return for
that year.
If your RRSPs or other savings
aren’t enough, your family may
be able to help you. In fact, an April
2015 BMO survey found 42 per cent
of fi rst-time buyers expect their
parents or relatives to help pay for
their fi rst home.
Shop for a mortgage
It can pay to shop around. If you
and your partner go with the
fi rst mortgage rate you fi nd, you
could end up paying a lot more.
Let’s assume the following: you
plan on buying a $500,000 home
with a $400,000 mortgage, your
amortization period will be 25 years,
and you have a fi ve-year fi xed rate
of 3.5 per cent. That means your
total mortgage payment will be
$1,997 a month.
But if you do a little research, you
could save some money. If you’re
able to get a mortgage with a fi ve-
year fi xed rate of 2.5 per cent, your
payments will be $1,792, a di� erence
of $205 a month or $2,460 a year.
That’s why you should look for the
best mortgage rates.
You need to be ready fi nancially
before you’re able to purchase a
property. Knowing what steps are
involved to become a fi rst-time
homebuyer will allow you to start
your search for buying a home.
Alyssa Furtado is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart fi nancial decisions.
Advice | MORTGAGE ADVICE
By Alyssa Furtado
DOWNLOAD THE APP
LOOKING TO MOVE?
Brand new name, same great app. Everything you need to know to buy or rent your next home.
we can help!
10 YPNEXTHOME.CA
MORE ADVICE ONLINEypnexthome.ca/news/advice
PURCHASING A HOME will be one of
the biggest investments you’ll ever
make. If you’re just starting to look,
there are a few steps you’ll need to
take before you can buy a home.
Determine how much you can a� ord
First, you have to determine what you
can a� ord. Your a� ordability is based
on your household income, your
current monthly debt payments and
the costs associated with owning a
home (such as property taxes, heating
costs, and condo fees).
A lender will also look at two
ratios to fi gure out how large your
mortgage can be. The fi rst is called
the gross debt service ratio. Your
monthly housing costs for (principal
and interest, taxes, and heating costs)
shouldn’t be more than 32 per cent
of your gross income. The second
is called the total debt service ratio,
which includes your housing costs
as well as any loan expenses (such
as credit card and line of credit
payments, and car loans or leases).
This ratio shouldn’t be higher than 40
per cent of your gross income.
You also have to come up with
enough money to make a down
payment. You’ll need to have a
minimum of fi ve per cent. If you’re
able to come up with a down
payment of 20 per cent or more, you
won’t need mortgage loan insurance.
And you should also have money
saved for closing costs, which could
be between 1.5 and four per cent of
the purchase price of your property.
First-time homebuyers 3 steps required to get into the market
Dip into savings
Once you’ve determined how much
you’ll need, you’ll have to fi nd a
source for your down payment and
closing costs, one of which can be
your RRSP.
Under the Home Buyers’ Plan,
you can withdraw up to $25,000
from your RRSP on a tax-free basis
as long as the funds have been
in the plan for more than 90 days.
If you’re purchasing a property
with a partner who’s also a fi rst-
time buyer, you’ll each be able with
withdraw $25,000.
Keep in mind that the money
has to be paid back starting the
second year after you make the
withdrawal and you have up to
15 years to repay the amount. If
you don’t make an annual payment,
you’ll have to declare it as taxable
income on your tax return for
that year.
If your RRSPs or other savings
aren’t enough, your family may
be able to help you. In fact, an April
2015 BMO survey found 42 per cent
of fi rst-time buyers expect their
parents or relatives to help pay for
their fi rst home.
Shop for a mortgage
It can pay to shop around. If you
and your partner go with the
fi rst mortgage rate you fi nd, you
could end up paying a lot more.
Let’s assume the following: you
plan on buying a $500,000 home
with a $400,000 mortgage, your
amortization period will be 25 years,
and you have a fi ve-year fi xed rate
of 3.5 per cent. That means your
total mortgage payment will be
$1,997 a month.
But if you do a little research, you
could save some money. If you’re
able to get a mortgage with a fi ve-
year fi xed rate of 2.5 per cent, your
payments will be $1,792, a di� erence
of $205 a month or $2,460 a year.
That’s why you should look for the
best mortgage rates.
You need to be ready fi nancially
before you’re able to purchase a
property. Knowing what steps are
involved to become a fi rst-time
homebuyer will allow you to start
your search for buying a home.
Alyssa Furtado is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart fi nancial decisions.
Advice | MORTGAGE ADVICE
By Alyssa Furtado
DOWNLOAD THE APP
LOOKING TO MOVE?
Brand new name, same great app. Everything you need to know to buy or rent your next home.
we can help!
JUL 15 - AUG 12, 2016 | HOME GUIDE 11
Chris Zaharko | AssociateIndividual Agent at Royal Lepage Benchmark#1 Individual Agent at Royal LePage Foothills 2008
P: 403.253.1901F: 403.252.2653
E: [email protected]: www.zaharko.com
Zaharko the name synonymous with real estatethe name synonymous with real estatewith real estate
6,000 square feet• Unobstructed 360 degree views• 14 offi ces, 10 underground • parking stalls
The Montana - Premier penthouse offi ce condo
$2,950,000
Completely • renovated 3000 SF4 beds up• Hardwood throughout both levels• Triple oversized garage•
1412 75 Ave SW
$1,499,000
Fantastic corner lot• 4 bed 3.5 bath• Fully fi nished• Tons of upgrades•
125 Royal Oak Point NW
$619,900
3+2 bed 2 bath • Fully developed• Oversized detached garage• Great outdoor living spaces•
1104 24 St NW
$599,900
4 bed 3 full baths 2 half baths• 2745 sq ft developed• Pie shaped lot• Triple garage•
176 Kinniburgh Circle, Chestermere
$584,900
3 bed 2.5 bath• Quiet street• Close to shopping & schools•
48 Copperfi eld Rise SE
$360,000
5 beds 4.5 baths• Over 4500 Sq Ft developed• Huge 75’x122’ lot•
864 East Lakeview Rd
$1,099,900
3 bed 2.5 bath• Lake community• Beautiful open to above great room• Handscraped hardwood•
27 Autumn Close SE
$539,900
1 bed 1 bath• Fantastic location• Single garage• 25’ x 120’ lot•
333 3 Ave NE
$399,900
4 bed 3.5 bath• Full developed• Double Detached Garage• Corner lot•
3903 1 St NW
$749,900•
Chris Zaharko | AssociateIndividual Agent at Royal Lepage Benchmark#1 Individual Agent at Royal LePage Foothills 2008
P: 403.253.1901F: 403.252.2653
E: [email protected]: www.zaharko.com
the name synonymous with real estatethe name synonymous with real estatewith real estate
6,000 square feet• Unobstructed 360 degree views• 14 offi ces, 10 underground • parking stalls
The Montana - Premier penthouse offi ce condo
$2,950,000
3 bed 2 bath • Great renovated family home• Hardwood & tile fl ooring•
615 78 Ave NW Hunti ngton Hills
$454,900
505 sq ft• Studio unit• Underground parking• Low condo fees•
208 830 Centre Ave NE
$239,900
Fantastic corner lot• 4 bed 3.5 bath• Fully fi nished• Tons of upgrades•
125 Royal Oak Point NW
$619,900
2 bed 2 bath• 1165 sq ft• Full developed basement • Low condo fees•
#2, 2410 29 St SW
$539,900
3+2 bed 2 bath • Fully developed• Oversized detached garage• Great outdoor living spaces•
1104 24 St NW
$599,900
5 beds 4.5 baths• Over 4500 Sq Ft developed• Huge 75’x122’ lot•
864 East Lakeview Rd
$1,099,900
4 bed 3 bath • Great location steps from 17 Ave SW• Original hardwood & fi replace• Completely renovated kitchen•
837 18 Ave SW
$569,900
1 bed 1 bath• In-suite laundry• Underground parking• Walk to 17th Ave!•
#601 1202 13 Ave SW
$204,000
3 bed 2.5 bath• Lake community• Beautiful open to above great room• Handscraped hardwood•
27 Autumn Close SE
$539,900
1 bed 1 bath• Fantastic location• Single garage• 25’ x 120’ lot•
333 3 Ave NE
$399,900
4 bed 3.5 bath• Over 3,300 sq ft above• Walkout basement• Backs onto pond•
252 Kinniburgh Circle
$819,900
Chris Zaharko | AssociateIndividual Agent at Royal Lepage Benchmark#1 Individual Agent at Royal LePage Foothills 2008
P: 403.253.1901F: 403.252.2653
E: [email protected]: www.zaharko.com
Zaharko the name synonymous with real estatethe name synonymous with real estatewith real estate
6,000 square feet• Unobstructed 360 degree views• 14 offi ces, 10 underground • parking stalls
The Montana - Premier penthouse offi ce condo
$2,950,000
Completely • renovated 3000 SF4 beds up• Hardwood throughout both levels• Triple oversized garage•
1412 75 Ave SW
$1,499,000
Fantastic corner lot• 4 bed 3.5 bath• Fully fi nished• Tons of upgrades•
125 Royal Oak Point NW
$619,900
3+2 bed 2 bath • Fully developed• Oversized detached garage• Great outdoor living spaces•
1104 24 St NW
$599,900
4 bed 3 full baths 2 half baths• 2745 sq ft developed• Pie shaped lot• Triple garage•
176 Kinniburgh Circle, Chestermere
$584,900
3 bed 2.5 bath• Quiet street• Close to shopping & schools•
48 Copperfi eld Rise SE
$360,000
5 beds 4.5 baths• Over 4500 Sq Ft developed• Huge 75’x122’ lot•
864 East Lakeview Rd
$1,099,900
3 bed 2.5 bath• Lake community• Beautiful open to above great room• Handscraped hardwood•
27 Autumn Close SE
$539,900
1 bed 1 bath• Fantastic location• Single garage• 25’ x 120’ lot•
333 3 Ave NE
$399,900
4 bed 3.5 bath• Full developed• Double Detached Garage• Corner lot•
3903 1 St NW
$749,900•
Chris Zaharko | AssociateIndividual Agent at Royal Lepage Benchmark#1 Individual Agent at Royal LePage Foothills 2008
P: 403.253.1901F: 403.252.2653
E: [email protected]: www.zaharko.com
the name synonymous with real estatethe name synonymous with real estatewith real estate
6,000 square feet• Unobstructed 360 degree views• 14 offi ces, 10 underground • parking stalls
The Montana - Premier penthouse offi ce condo
$2,950,000
3 bed 2 bath • Great renovated family home• Hardwood & tile fl ooring•
615 78 Ave NW Hunti ngton Hills
$454,900
505 sq ft• Studio unit• Underground parking• Low condo fees•
208 830 Centre Ave NE
$239,900
Fantastic corner lot• 4 bed 3.5 bath• Fully fi nished• Tons of upgrades•
125 Royal Oak Point NW
$619,900
2 bed 2 bath• 1165 sq ft• Full developed basement • Low condo fees•
#2, 2410 29 St SW
$539,900
3+2 bed 2 bath • Fully developed• Oversized detached garage• Great outdoor living spaces•
1104 24 St NW
$599,900
5 beds 4.5 baths• Over 4500 Sq Ft developed• Huge 75’x122’ lot•
864 East Lakeview Rd
$1,099,900
4 bed 3 bath • Great location steps from 17 Ave SW• Original hardwood & fi replace• Completely renovated kitchen•
837 18 Ave SW
$569,900
1 bed 1 bath• In-suite laundry• Underground parking• Walk to 17th Ave!•
#601 1202 13 Ave SW
$204,000
3 bed 2.5 bath• Lake community• Beautiful open to above great room• Handscraped hardwood•
27 Autumn Close SE
$539,900
1 bed 1 bath• Fantastic location• Single garage• 25’ x 120’ lot•
333 3 Ave NE
$399,900
4 bed 3.5 bath• Over 3,300 sq ft above• Walkout basement• Backs onto pond•
252 Kinniburgh Circle
$819,900
PEOPLE HAVE GOOD HEARTS. And
people often feel they should
do something to help friends
and family when the going gets
tough. Hey, I’m all for offering help
when it’s needed. But you should
consider any financial help you
offer as a gift, since loans often
cause huge problems when it
comes to repayment time. Here’s a
letter I received recently:
Good reasons why you should not co-signBy Gail Vaz-Oxlade
Advice | MONEY MATTERS
Gail, I need some help. I don’t know what to do. My sister-in-law and
brother-in-law are constantly in a mess financially. They have young
kids, and both my husband and I love those children. We don’t want
to see them lose their home. But I also am very afraid of how our help
could hurt us. My sister-in-law has asked us to co-sign a consolidation
loan to help them out of the mess they have made. She’s a rampant
shopper. He can’t manage to make his business work. My husband
wants to do it, but I’m afraid that if we do this it might get in the way
when we go to buy a home next year. Am I just being selfish?
– D
D, you are not being selfish. Wanting
to stay solvent so you can make
your own dreams come true is not
a selfish act. It’s a sensible act. And
while your heart may go out to your
family, particularly the kids, who is to
say that another loan is actually going
to solve the problem? What have your
sister-in-law and brother-in-law done
to demonstrate they’re serious about
their debt problems? If their solution
is simply to get a consolidation loan,
that’s not enough.
Here are more reasons why you should think twice about co-signing for their consolidation loan:
People who need a co-signer can’t
qualify on their own because the
lender believes they will default. I
have heard of the odd positive co-
signing experience like a young adult
with no credit history whose parents
sign on because they know their kid is
a stand-up person who would sooner
die than stick them with debt. But I’ve
heard five times as many negative
stories: parents who have been stuck
Advice | MONEY MATTERS
Gail, I need some help. I don’t know what to do. My sister-in-law and
brother-in-law are constantly in a mess fi nancially. They have young
kids, and both my husband and I love those children. We don’t want
to see them lose their home. But I also am very afraid of how our help
could hurt us. My sister-in-law has asked us to co-sign a consolidation
loan to help them out of the mess they have made. She’s a rampant
shopper. He can’t manage to make his business work. My husband
wants to do it, but I’m afraid that if we do this it might get in the way
when we go to buy a home next year. Am I just being selfi sh?
– D Gail Vaz-Oxlade is the host of Til Debt Do Us Part and author of Debt Free Forever and blogs daily at gailvazoxlade.com.
D, you are not being selfi sh. Wanting
to stay solvent so you can make
your own dreams come true is not
a selfi sh act. It’s a sensible act. And
while your heart may go out to your
family, particularly the kids, who is to
say that another loan is actually going
to solve the problem? What have your
sister-in-law and brother-in-law done
to demonstrate they’re serious about
their debt problems? If their solution
is simply to get a consolidation loan,
that’s not enough.
Here are more reasons why you should think twice about co-signing for their consolidation loan:
People who need a co-signer can’t
qualify on their own because the
lender believes they will default. I
have heard of the odd positive co-
signing experience like a young adult
with no credit history whose parents
sign on because they know their kid is
a stand-up person who would sooner
die than stick them with debt. But I’ve
heard fi ve times as many negative
stories: parents who have been stuck
with their children’s irresponsible
behaviour; family who watch as the
primary signer goes bankrupt leaving
them holding the loan. If a body can’t
qualify for a loan on its own merits,
you have to wonder if you’re actually
doing that body a favour by adding
more weight to their debt load.
Co-signed debt is 100 per cent
your debt. A lot of people don’t
seem to realize this, I’m not sure why
since it is clearly stated in all the loan
paperwork. But here it is in black and
white: If the primary borrower drops
dead or defaults on the loan, you are
100 per cent responsible for repaying
any loans you may have co-signed.
It doesn’t matter that you didn’t get
the money. It doesn’t matter that the
primary borrower swore you were
off the hook. The reason you’re
co-signing is to guarantee repayment,
and if the lender can’t get blood from
one stone, it’ll come looking for
your stones.
Co-signed debt is factored into
calculations that determine whether
you’ll get approved for any kind of
borrowing, including a mortgage.
That’s right. Since you’re on the hook
for that $27,000 loan you co-signed
for, that’s $27,000 less you can
borrow for your own purposes. Again,
people seem not to realize that there
is a limit to how much lenders will
let you take on. Perhaps it’s because
lenders have been so lax with this
particular rule that folks think credit
is unlimited. Well, the credit bucket
is not bottomless. Taking on the
responsibility of co-signing could
mean your ability to borrow for your
own goals is thwarted.
So how do you say no to family
or friends who see you as fi nancially
stable and a good resource for solving
their problems? Try this…
Tonya, both Paul and I would love
to help, but right now we’re just not
in a position to do so fi nancially. We
would be happy to sit down with
you and Tony to talk about ways you
could clean up the fi nancial mess
you’re in. And we’d be happy to help
in other ways, like taking the kids
when you guys are working extra hard
to get that debt paid off . But we can’t
co-sign right now. What else can we
do to help you?
If Tonya and Tony stomp out
in a huff because all they want is
your signature, you can count your
blessings. It would only be a matter
of time before that co-signed
loan came between you anyway.
At least now you’re not also on the
hook fi nancially.
MORE ADVICE ONLINEypnexthome.ca/news/advice
14 YPNEXTHOME.CA
PEOPLE HAVE GOOD HEARTS. And
people often feel they should
do something to help friends
and family when the going gets
tough. Hey, I’m all for offering help
when it’s needed. But you should
consider any financial help you
offer as a gift, since loans often
cause huge problems when it
comes to repayment time. Here’s a
letter I received recently:
Good reasons why you should not co-signBy Gail Vaz-Oxlade
Advice | MONEY MATTERS
Gail, I need some help. I don’t know what to do. My sister-in-law and
brother-in-law are constantly in a mess financially. They have young
kids, and both my husband and I love those children. We don’t want
to see them lose their home. But I also am very afraid of how our help
could hurt us. My sister-in-law has asked us to co-sign a consolidation
loan to help them out of the mess they have made. She’s a rampant
shopper. He can’t manage to make his business work. My husband
wants to do it, but I’m afraid that if we do this it might get in the way
when we go to buy a home next year. Am I just being selfish?
– D
D, you are not being selfish. Wanting
to stay solvent so you can make
your own dreams come true is not
a selfish act. It’s a sensible act. And
while your heart may go out to your
family, particularly the kids, who is to
say that another loan is actually going
to solve the problem? What have your
sister-in-law and brother-in-law done
to demonstrate they’re serious about
their debt problems? If their solution
is simply to get a consolidation loan,
that’s not enough.
Here are more reasons why you should think twice about co-signing for their consolidation loan:
People who need a co-signer can’t
qualify on their own because the
lender believes they will default. I
have heard of the odd positive co-
signing experience like a young adult
with no credit history whose parents
sign on because they know their kid is
a stand-up person who would sooner
die than stick them with debt. But I’ve
heard five times as many negative
stories: parents who have been stuck
Advice | MONEY MATTERS
Gail, I need some help. I don’t know what to do. My sister-in-law and
brother-in-law are constantly in a mess fi nancially. They have young
kids, and both my husband and I love those children. We don’t want
to see them lose their home. But I also am very afraid of how our help
could hurt us. My sister-in-law has asked us to co-sign a consolidation
loan to help them out of the mess they have made. She’s a rampant
shopper. He can’t manage to make his business work. My husband
wants to do it, but I’m afraid that if we do this it might get in the way
when we go to buy a home next year. Am I just being selfi sh?
– D Gail Vaz-Oxlade is the host of Til Debt Do Us Part and author of Debt Free Forever and blogs daily at gailvazoxlade.com.
D, you are not being selfi sh. Wanting
to stay solvent so you can make
your own dreams come true is not
a selfi sh act. It’s a sensible act. And
while your heart may go out to your
family, particularly the kids, who is to
say that another loan is actually going
to solve the problem? What have your
sister-in-law and brother-in-law done
to demonstrate they’re serious about
their debt problems? If their solution
is simply to get a consolidation loan,
that’s not enough.
Here are more reasons why you should think twice about co-signing for their consolidation loan:
People who need a co-signer can’t
qualify on their own because the
lender believes they will default. I
have heard of the odd positive co-
signing experience like a young adult
with no credit history whose parents
sign on because they know their kid is
a stand-up person who would sooner
die than stick them with debt. But I’ve
heard fi ve times as many negative
stories: parents who have been stuck
with their children’s irresponsible
behaviour; family who watch as the
primary signer goes bankrupt leaving
them holding the loan. If a body can’t
qualify for a loan on its own merits,
you have to wonder if you’re actually
doing that body a favour by adding
more weight to their debt load.
Co-signed debt is 100 per cent
your debt. A lot of people don’t
seem to realize this, I’m not sure why
since it is clearly stated in all the loan
paperwork. But here it is in black and
white: If the primary borrower drops
dead or defaults on the loan, you are
100 per cent responsible for repaying
any loans you may have co-signed.
It doesn’t matter that you didn’t get
the money. It doesn’t matter that the
primary borrower swore you were
off the hook. The reason you’re
co-signing is to guarantee repayment,
and if the lender can’t get blood from
one stone, it’ll come looking for
your stones.
Co-signed debt is factored into
calculations that determine whether
you’ll get approved for any kind of
borrowing, including a mortgage.
That’s right. Since you’re on the hook
for that $27,000 loan you co-signed
for, that’s $27,000 less you can
borrow for your own purposes. Again,
people seem not to realize that there
is a limit to how much lenders will
let you take on. Perhaps it’s because
lenders have been so lax with this
particular rule that folks think credit
is unlimited. Well, the credit bucket
is not bottomless. Taking on the
responsibility of co-signing could
mean your ability to borrow for your
own goals is thwarted.
So how do you say no to family
or friends who see you as fi nancially
stable and a good resource for solving
their problems? Try this…
Tonya, both Paul and I would love
to help, but right now we’re just not
in a position to do so fi nancially. We
would be happy to sit down with
you and Tony to talk about ways you
could clean up the fi nancial mess
you’re in. And we’d be happy to help
in other ways, like taking the kids
when you guys are working extra hard
to get that debt paid off . But we can’t
co-sign right now. What else can we
do to help you?
If Tonya and Tony stomp out
in a huff because all they want is
your signature, you can count your
blessings. It would only be a matter
of time before that co-signed
loan came between you anyway.
At least now you’re not also on the
hook fi nancially.
MORE ADVICE ONLINEypnexthome.ca/news/advice
JUL 15 - AUG 12, 2016 | HOME GUIDE 15
Advice | HOME SWEET HOME
IF YOU’RE GEARING UP for a move
down into a smaller home, then you
know the downsizing process can
be overwhelming — especially if
you’ve lived in a large house for many
years. Clearing household clutter and
deciding the fate of used furniture,
artwork and other items can be a
challenge. You want to maximize
the value of your stu� by holding a
contents sale, but how do you ensure
you’re getting the biggest buck for
your bang?
“You’ll be surprised as to what
people will actually buy. One person’s
trash is another person’s treasure.
Others will try to sell the items on
their own, while others will hire a
fi rm to assist with the process,” says
Laura Convery, manager of senior
services at Transition Squad, a turnkey
company specializing in helping
seniors downsize their homes, from
organizing, cleaning and clearing
the home, to contents sales, online
auctions and Transition Squad’s
consignment store.
If you’re considering holding a
contents sale to help lighten your
load, Convery o� ers these fi ve steps
to downsizing success.
Downsizing stu� , maximizing profi t:
1. Think like a buyer. Be sure to set up
your downsizing sale accordingly.
What is most pleasing to the eye?
Success will depend on three
things: marketing to attract people,
selection, and attractive prices.
Downsizing sale: Getting the biggest buck for your bang
By Lydia McNutt
MORE ADVICE ONLINEypnexthome.ca/news/advice
2. Priced to sell. Whether it’s fi ne
furniture, appliances or clothing,
remember that these items may
not be worth to others what
they are worth to you. A stranger
won’t pay extra for sentimental
value! Remember, the goal here is
downsizing.
3. Be prepared to negotiate.
Negotiating prices is the foundation
of every contents sale. Buyers
expect it, and a lack of willingness
to negotiate might frustrate them
and cost you a lot of unsold items.
4. Advertise. Promote your sale in
the community paper and on
social media forums, and tell as
many friends, family members and
neighbours as possible to spread
the word. Last but not least, 40
to 50 per cent of your buyers
will come from road signs, so
ensure they’re large, with proper
messaging and strategic placement.
5. Hand out tickets. Start an hour or
so prior to the sale to allow access
on a fi rst come, fi rst served basis.
Make sure to only allow enough
people in at a time to follow fi re
department regulations.
Lydia McNutt is an award-winning writer and editor. Lydia’s love of architecture, interior design and the written word have landed her happily at home at Yellow Pages NextHome, where real estate rules.
16 YPNEXTHOME.CA
JUL 15 - AUG 12, 2016 | HOME GUIDE 17
By Elisa KrovblitSCOOPthe
Inspiration
Catch up on decor news, inspiration, style + more
the look of the white and blue patterns piled and paired with such ease.
WeWelove
BOHObedroom
INwhite
& BLUE!
the look of the white and blue patterns piled and paired with such ease.
Boho bedroom in white & bluehomesense.ca
Scoop the look!
Reijay Baskets $100-$110 | crateandbarrel.com
‹
Portofi no Bedding, Shams, Pillow, Mat & Rug
$25-$130 | homesense.ca
‹
Loft Pendant Light $229 | cb2.com
‹
18 YPNEXTHOME.CA
“ Curb appeal is important because you only get one chance to make a first impression”
Feature Property
sold a condo to a senior vice-president
who bought it for his daughter. I had
staged the condo shabby-chic with
white linens and French Country style
for a young female buyer and it sold
in a week. The condo right next door
wasn’t staged and sat on the market.”
A home in the southeast was initially
listed with another realtor, but had
little interest until the owners hired
Cameron. She went in, did painting,
cleaning and furniture staging. The
home received four offers and sold
in a week for the same price as was
listed with the previous realtor. “In the
first two days they had more showings
then in 60 days with the other realtor
and that demonstrates why staging is
so powerful.”
And, she explains, that staging isn’t
just about furniture placement or
stylish decor. “I have sold properties
that were very out dated, but sold
because they were immaculate.
Staging is not only about show and
tell, but about whether the home has
been well cared for and shows pride of
ownership inside and out.
“Curb appeal is important because
you only get one chance to make a
first impression,” Cameron adds. So,
if a buyer steps out of the car and
there is road gravel and bits of garbage
underfoot, or if they see the lawn is
overgrown with weeds or paint is
peeling around the front door, they’ll
have a poor impression of what’s
inside to start with and may even
dismiss the property altogether.
So, to properly stage your home
start with cleaning, such as sweeping
walkways and driveways, mowing the
lawn, removing debris and cleaning
windows, outside. Inside, clean all
the surfaces, flooring, cupboards,
bathroom tiles and tubs and remove
odours. If you have a pet remove all
evidence of it whenever a potential
buyer comes through and during an
open house.
Then repair items such as broken
fence boards and broken baseboards
or tiles, and replace burnt out
lightbulbs or missing electrical
faceplates. And then, if needed, paint
with a neutral colour.
Finally stage the house to make
it welcoming. From the front
porch, by adding an inviting swing
and beautiful plants, to clearing
out clutter, taking down pictures
and artwork and rearranging your
furniture, or bringing in different
furniture, to ensure an uncrowded,
open functional space – all designed
so people can see themselves living
there and will ultimately want to
purchase your home.
To view Dory Cameron’s listings,
visit: cameron-realty.ca
After
After
Before Before
STAGING HAS BECOME AN integral
part of selling a home now more than
ever before, says longtime real estate
agent and Broker Dory Cameron of
Cameron Realty Group Inc.
“Today’s buyers are very visual
and have more opportunity through
websites to view inside people’s
homes,” Cameron says. “When I
ask people if they read the listings,
overwhelmingly they say ‘no,’ they just
look at the photos and if they don’t like
what they see they move along.
“I have seen great properties that
are shown void of furniture and look
like an empty barrel so people don’t
bother with them, but as soon as you
add nice furniture and show people
what the home can look like, you
get viewings,” she says. “So, staging
a home and having great photos to
post is important.”
Cameron is a major believer in
staging and even authored a self-
published book, The Power of Staging,
which describes how she sold houses
that other realtors couldn’t even
through the peak of the recessions.
She provides advice to her clients
on how to stage their homes from
removing knick-knacks to clearing out
furniture. “I can’t tell you how many
homes I’ve sold this way.”
“The first rule is to know who the
buyer will be,” Cameron explains.
“I’ve been in the business for 16
years and sold more than 700
homes so that experience gives me
a good idea of who the buyer is and
I stage homes accordingly.”
For example, she currently has
a main floor condo in northwest
Calgary that faces onto a busy
street, which Cameron feels it will
sell to a man because most woman
prefer units that are above the main
floor for safety reasons.
“So I’m bringing in more masculine
furniture with woods, metals and an
industrial feel to appeal to a male
buyer,” Cameron notes. “I also recently
The importance of staging when selling a home
cover story
Feature Property
By Heather Ryan
After
JUL 15 - AUG 12, 2016 | HOME GUIDE 19
“ Curb appeal is important because you only get one chance to make a first impression”
Feature Property
sold a condo to a senior vice-president
who bought it for his daughter. I had
staged the condo shabby-chic with
white linens and French Country style
for a young female buyer and it sold
in a week. The condo right next door
wasn’t staged and sat on the market.”
A home in the southeast was initially
listed with another realtor, but had
little interest until the owners hired
Cameron. She went in, did painting,
cleaning and furniture staging. The
home received four offers and sold
in a week for the same price as was
listed with the previous realtor. “In the
first two days they had more showings
then in 60 days with the other realtor
and that demonstrates why staging is
so powerful.”
And, she explains, that staging isn’t
just about furniture placement or
stylish decor. “I have sold properties
that were very out dated, but sold
because they were immaculate.
Staging is not only about show and
tell, but about whether the home has
been well cared for and shows pride of
ownership inside and out.
“Curb appeal is important because
you only get one chance to make a
first impression,” Cameron adds. So,
if a buyer steps out of the car and
there is road gravel and bits of garbage
underfoot, or if they see the lawn is
overgrown with weeds or paint is
peeling around the front door, they’ll
have a poor impression of what’s
inside to start with and may even
dismiss the property altogether.
So, to properly stage your home
start with cleaning, such as sweeping
walkways and driveways, mowing the
lawn, removing debris and cleaning
windows, outside. Inside, clean all
the surfaces, flooring, cupboards,
bathroom tiles and tubs and remove
odours. If you have a pet remove all
evidence of it whenever a potential
buyer comes through and during an
open house.
Then repair items such as broken
fence boards and broken baseboards
or tiles, and replace burnt out
lightbulbs or missing electrical
faceplates. And then, if needed, paint
with a neutral colour.
Finally stage the house to make
it welcoming. From the front
porch, by adding an inviting swing
and beautiful plants, to clearing
out clutter, taking down pictures
and artwork and rearranging your
furniture, or bringing in different
furniture, to ensure an uncrowded,
open functional space – all designed
so people can see themselves living
there and will ultimately want to
purchase your home.
To view Dory Cameron’s listings,
visit: cameron-realty.ca
After
After
Before Before
STAGING HAS BECOME AN integral
part of selling a home now more than
ever before, says longtime real estate
agent and Broker Dory Cameron of
Cameron Realty Group Inc.
“Today’s buyers are very visual
and have more opportunity through
websites to view inside people’s
homes,” Cameron says. “When I
ask people if they read the listings,
overwhelmingly they say ‘no,’ they just
look at the photos and if they don’t like
what they see they move along.
“I have seen great properties that
are shown void of furniture and look
like an empty barrel so people don’t
bother with them, but as soon as you
add nice furniture and show people
what the home can look like, you
get viewings,” she says. “So, staging
a home and having great photos to
post is important.”
Cameron is a major believer in
staging and even authored a self-
published book, The Power of Staging,
which describes how she sold houses
that other realtors couldn’t even
through the peak of the recessions.
She provides advice to her clients
on how to stage their homes from
removing knick-knacks to clearing out
furniture. “I can’t tell you how many
homes I’ve sold this way.”
“The first rule is to know who the
buyer will be,” Cameron explains.
“I’ve been in the business for 16
years and sold more than 700
homes so that experience gives me
a good idea of who the buyer is and
I stage homes accordingly.”
For example, she currently has
a main floor condo in northwest
Calgary that faces onto a busy
street, which Cameron feels it will
sell to a man because most woman
prefer units that are above the main
floor for safety reasons.
“So I’m bringing in more masculine
furniture with woods, metals and an
industrial feel to appeal to a male
buyer,” Cameron notes. “I also recently
The importance of staging when selling a home
cover story
Feature Property
By Heather Ryan
After
Inspiration | DESIGN SECRETS
By Jane Lockhart | Photography by John Heineman | Courtesy of Sorbara Group of Companies
Move over paint, WALLPAPER is here to stay
Inspiration | DESIGN SECRETS
Jane Lockhart is founder and principal designer of Jane Lockhart Interior Design. She was creative director and host of W Network’s top-ranked show, Colour Confi dential, and has a Canadian-built
furniture collection, Jane by Jane Lockhart, by Statum Designs. Visit online at janelockhart.com
FOR THOSE OF YOU WHO lived as
adults through the 1980s, you may
view wallpaper as a thing of the past.
But, if you are buying a new home,
or are faced with the challenge of
decorating a new space, wallpaper
may be front of mind. Wallpaper is
coming back, but not in the way you
may think. It has been reinvented and
has become trendier than ever.
As we said goodbye to balloon
curtains, high hair and neon colours,
we thought wallpaper was on that
list as well. It turns out, wallpaper
manufacturers very savvy marketers,
and their eff orts are refl ected in
today’s interior design.
Wallpaper has moved past chicken
boarders in the kitchen, large and
bold fl oral patterns, or entire rooms
covered in the same look. We are
seeing wallpaper used in new and
exciting ways. There is now textured
paintable wallpaper, wallpaper for
focal walls, or fun designs that can be
used in small spaces.
The powder room is the best place
to have fun and experiment with
colour, texture and new designs. It is
a place where you can shut the door
and walk away, but your guests will
love your eff orts. One of our favourite
powder rooms was done in all-black
wallpaper with trendy light and
bathroom fi xtures. Because powder
rooms are on the smaller side, going
with a dramatic colour or pattern is
not too overwhelming.
Creating a focal wall is another area
when we use wallpaper a lot. Again,
we are seeing things in wallpaper we
have never seen before. There are large
shapes and patterns that can be applied
to the wall individually. Also, the focal
wall doesn’t have to be a full wall, it can
be a section or maybe it is a design that
carries over slightly to the adjacent wall.
Anther trend in wallpaper is the
introduction of metallics. Gold has
been huge for the last couple of
seasons and this has also been evident
in wallpaper. There are endless
examples from neutral wallpaper
peppered with gold geometric shapes
to black wallpaper with large gold
fans. And, since wallpaper is no longer
themed, these can be used in just
about any room in the house!
Faced with the task of decorating
a completely new space, sometimes
it pays off to take risks and think
outside of the box. Using wallpaper
lets you do both. Not only have there
been advancements in the wallpaper
patterns, but also in the product
itself. Most companies have pre-
pasted wallpaper that lasts longer
and is more durable. A nice added
bonus is the grid on the back that
a lot of companies as using. This
allows the homeowner to ensure
straight cuts when lining up to an
edge or matching the pattern on
the next sheet. If you are unsure of
your abilities, you can always hire a
professional to hang it as well.
However you decide to decorate
your new space, just make sure it
is something that you love and that
speaks to you, after all, you have to
live in it.
Move over paint, WALLPAPER is here to stay
ABOVE LEFT
The Graham and Brown (grahambrown.com), wallpaper in this powder room works perfectly with the mirrored vanity in the small space.
OPPOSITE PAGE
In this powder room, we went with a strong wallpaper from Graham and Brown (grahambrown.com), that features large horizontal lines to create visual contrast.
ABOVE RIGHT
In this dining room the neutral wallpaper from Graham and Brown (grahambrown.com), is used with custom wainscotting and built-ins to create a unifi ed look.
JUL 15 - AUG 12, 2016 | HOME GUIDE 21
Inspiration | DESIGN SECRETS
By Jane Lockhart | Photography by John Heineman | Courtesy of Sorbara Group of Companies
Move over paint, WALLPAPER is here to stay
Inspiration | DESIGN SECRETS
Jane Lockhart is founder and principal designer of Jane Lockhart Interior Design. She was creative director and host of W Network’s top-ranked show, Colour Confi dential, and has a Canadian-built
furniture collection, Jane by Jane Lockhart, by Statum Designs. Visit online at janelockhart.com
FOR THOSE OF YOU WHO lived as
adults through the 1980s, you may
view wallpaper as a thing of the past.
But, if you are buying a new home,
or are faced with the challenge of
decorating a new space, wallpaper
may be front of mind. Wallpaper is
coming back, but not in the way you
may think. It has been reinvented and
has become trendier than ever.
As we said goodbye to balloon
curtains, high hair and neon colours,
we thought wallpaper was on that
list as well. It turns out, wallpaper
manufacturers very savvy marketers,
and their eff orts are refl ected in
today’s interior design.
Wallpaper has moved past chicken
boarders in the kitchen, large and
bold fl oral patterns, or entire rooms
covered in the same look. We are
seeing wallpaper used in new and
exciting ways. There is now textured
paintable wallpaper, wallpaper for
focal walls, or fun designs that can be
used in small spaces.
The powder room is the best place
to have fun and experiment with
colour, texture and new designs. It is
a place where you can shut the door
and walk away, but your guests will
love your eff orts. One of our favourite
powder rooms was done in all-black
wallpaper with trendy light and
bathroom fi xtures. Because powder
rooms are on the smaller side, going
with a dramatic colour or pattern is
not too overwhelming.
Creating a focal wall is another area
when we use wallpaper a lot. Again,
we are seeing things in wallpaper we
have never seen before. There are large
shapes and patterns that can be applied
to the wall individually. Also, the focal
wall doesn’t have to be a full wall, it can
be a section or maybe it is a design that
carries over slightly to the adjacent wall.
Anther trend in wallpaper is the
introduction of metallics. Gold has
been huge for the last couple of
seasons and this has also been evident
in wallpaper. There are endless
examples from neutral wallpaper
peppered with gold geometric shapes
to black wallpaper with large gold
fans. And, since wallpaper is no longer
themed, these can be used in just
about any room in the house!
Faced with the task of decorating
a completely new space, sometimes
it pays off to take risks and think
outside of the box. Using wallpaper
lets you do both. Not only have there
been advancements in the wallpaper
patterns, but also in the product
itself. Most companies have pre-
pasted wallpaper that lasts longer
and is more durable. A nice added
bonus is the grid on the back that
a lot of companies as using. This
allows the homeowner to ensure
straight cuts when lining up to an
edge or matching the pattern on
the next sheet. If you are unsure of
your abilities, you can always hire a
professional to hang it as well.
However you decide to decorate
your new space, just make sure it
is something that you love and that
speaks to you, after all, you have to
live in it.
Move over paint, WALLPAPER is here to stay
ABOVE LEFT
The Graham and Brown (grahambrown.com), wallpaper in this powder room works perfectly with the mirrored vanity in the small space.
OPPOSITE PAGE
In this powder room, we went with a strong wallpaper from Graham and Brown (grahambrown.com), that features large horizontal lines to create visual contrast.
ABOVE RIGHT
In this dining room the neutral wallpaper from Graham and Brown (grahambrown.com), is used with custom wainscotting and built-ins to create a unifi ed look.
22 YPNEXTHOME.CA
Nancy VieiraCall Nancy Direct (250) 514-4750for Victoria & Southern Vancouver Island
ISLAND LIVING AT its BEST! Make this the best move of your life!
Virtual tours at www.nancyvieira.com • [email protected] •Toll Free 1.800.665.5303Victoria 250.384.8124 • West Shore 250.478.9141 • Sooke 250.642.3240 • Duncan 250.746.8123
$930,000 11 acres zoned for 4 houses! Private
oceanfront, Cove with beach.
SOOK
E
$1,180,0002800 sq ft westcpast craftsman
timber frame homeon 5 private acres.
Adjacent to Eagles Lake and walking trails.
7 mins to all amenities.VI
CTOR
IA-H
IGHL
ANDS
$988,000 Revenue oceanfront
property, forested acre with cove. Three rental units in private 3 storey home and boathouse
(cabin) with lovely views of Sooke Basin.
EAST
SOO
KE
$499,900 Home on 1 Acre. Very private updated 3 bedroom home. Separate studio, workshop and greenhouse.
VICT
ORIA
-LAN
GFOR
D
$210,000 2 bed / 2 bathOcean & Mtn Views from this well
located home.Walk to beach or store!
PORT
REN
FREW
$249,900 Lot 3 Mark LaneOcean view Building Lot in beautiful Willis Point area.
CENT
RAL
SAAN
ICH
$449,900. 10 Acres with panoramic ocean and mountain views road access to site and drilled well.
EAST
SOO
KE
$498,000 ALR RIVERSIDE level 65 ACRES on Gordon River located on
Southern Vancouver Island
PORT
REN
FREW
$159,900 Oceanfront living, updated 2 bedroom condo, in suite laundry,
excellent starter or investment.
SOOK
E
$199,200 1 acre in prime area, zoning for residential, B&B or home business. Hike to Botanical Beach.
PORT
REN
FREW
$350,000 Spectacular ocean views, ocean-front recreational property in co-op with 480 sq. ft. Park Model next to Botanical Beach.
PORT
REN
FREW
$444, 900 4 bed / 2 bath Privacy plus on .36 acre. 2192 sq ft creek-
side home with beautiful views.
SOOK
E
$499,900 1 bedroom with loft and den. Seaside bliss on the west
coast ocean front!
SOOK
E
SOLD
$1,600,000. 11 bed / 9 bath To say that For-est Refl ections is not your average home is an understatement. Custom built with great attention to detail utilizing materials from the actual property. I am honored to present this estate a place to nurture your soul. Swim with the rainbow trout in your own 50’deep lake with its crystal clear spring fed water with sandy beach. This distinctive property in-cludes private wing, carriage house and care-taker’s home. The end result of all the hard work is a true estate has been created. 15 minutes to amenities, one hour to Victoria.
COBB
LE H
ILL
PREPARED BY CANNEX ON JULY 5, 2016This information is current as of the date and time posted and is subject to change without notice. © Copyright 2016 CANNEX Financial Exchanges Limited. All rights reserved.
Compare mortgage rates for your best dealCHARTERED BANKS variable 6 months 1 year 2 years 3 years 4 years 5 years
ATB Financial 2.6000 4.0000 2.9400 2.2900 2.4400 2.4900 2.5900
Alterna Bank 2.3500 4.0000 2.8500 2.0900 2.5900 2.7400 2.5800
Alterna Savings 2.3500 4.0000 2.8500 2.0900 2.5900 2.7400 2.5800
Bank of Montreal 2.7000 4.0000 2.8900 2.9900 3.3900 3.8900 4.7400
Bank of Nova Scotia 2.7000 4.5500 3.2900 3.0900 3.3900 3.8900 4.4900
CIBC Mortgages 2.7000 3.1400 2.8400 2.7900 3.3900 4.0900 4.7900
Caisses Desjardins 2.7000 4.4000 3.1400 3.2400 3.3900 3.8900 4.7400
Canadian Western Bank 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400
Canadian Western Trust 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400
Comtech Credit Union - 6.2000 2.8400 2.8900 2.9500 2.9900 2.8900
DUCA Financial Services 2.5000 - 3.0900 3.0000 2.9900 3.0900 2.5400
Effort Trust - 4.4500 3.3500 3.5000 3.7000 4.3000 4.3500
Equitable Bank - - 3.1400 3.0400 3.6500 4.3900 4.6400
First Calgary Financial - 4.0000 2.8900 2.8900 2.5900 2.7900 2.6900
First National Financial 2.3500 3.0000 2.2900 2.2400 2.3900 2.4900 2.5900
FirstOntario Credit Un. 2.5000 4.2400 2.6900 2.2900 2.3400 2.5400 2.5900
HSBC Bank Canada 2.8000 4.4500 3.1400 3.1400 3.3900 4.0900 4.6400
Home Trust Company 2.5000 3.9500 2.6900 2.1400 2.3400 2.5900 2.5900
ICICI Bank Canada 3.0500 - 2.8400 2.8400 2.8400 2.8900 2.8900
Investors Group Trust 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400
Laurentian Bank Canada 2.7000 4.4000 2.8900 2.8400 3.3900 3.8900 4.7400
League Svgs & Mortgage - 4.4500 2.9900 2.5900 2.6900 2.8900 2.6900
Libro Credit Union - 3.7500 2.6000 2.6500 2.6900 2.6900 2.6900
London Life 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400
Luminus Financial 3.2500 - 3.2500 3.2000 3.6500 4.0000 4.5000
Manulife Bank 2.6000 4.4500 3.0000 2.9400 2.8400 2.7900 2.8900
Manulife Trust - 4.4500 3.0000 2.9400 2.8400 2.7900 2.8900
Meridian Credit Union 2.4000 4.0000 2.8400 2.7900 2.6400 3.8900 2.4900
National Bank 2.7000 4.4000 3.1400 3.0400 3.3900 3.8900 4.7400
PACE Savings & Credit Un - 5.0000 2.9900 2.6900 3.4900 3.9900 4.6400
Parama Credit Union 2.6500 - 2.8000 2.8500 2.9500 3.0500 3.1500
Peace Hills Trust - 4.5000 3.1500 3.5000 3.7500 3.8500 3.9500
President's Choice Fin'l 2.7000 6.1900 3.1400 2.7900 3.3400 3.9900 4.4400
Rapport Credit Union 2.8500 6.0000 3.0900 3.0400 3.5000 3.0400 2.9900
Royal Bank of Canada 2.7000 3.1400 3.1400 3.0400 3.6500 4.3900 4.6400
Steinbach Credit Union - - 2.3900 2.3900 2.3900 2.4900 2.4900
T-D Mortgage 2.7000 3.1400 2.9900 2.8400 3.3900 3.8900 4.5400
Tangerine 2.7000 - 3.1900 3.2400 3.4900 3.6900 3.7900
WFCU Credit Union - 4.4500 3.0000 3.0400 3.6500 4.3900 4.6400
Your Neighbourhood C.U. - - 2.7990 2.8900 3.0900 3.1500 2.6900
Buyers’ Resources | MORTGAGE RATES
ONLINE CALCULATORypnexthome.ca/mortgage-calculator
Nancy VieiraCall Nancy Direct (250) 514-4750for Victoria & Southern Vancouver Island
ISLAND LIVING AT its BEST! Make this the best move of your life!
Virtual tours at www.nancyvieira.com • [email protected] •Toll Free 1.800.665.5303Victoria 250.384.8124 • West Shore 250.478.9141 • Sooke 250.642.3240 • Duncan 250.746.8123
$930,000 11 acres zoned for 4 houses! Private
oceanfront, Cove with beach.
SOOK
E
$1,180,0002800 sq ft westcpast craftsman
timber frame homeon 5 private acres.
Adjacent to Eagles Lake and walking trails.
7 mins to all amenities.VI
CTOR
IA-H
IGHL
ANDS
$988,000 Revenue oceanfront
property, forested acre with cove. Three rental units in private 3 storey home and boathouse
(cabin) with lovely views of Sooke Basin.
EAST
SOO
KE
$499,900 Home on 1 Acre. Very private updated 3 bedroom home. Separate studio, workshop and greenhouse.
VICT
ORIA
-LAN
GFOR
D
$210,000 2 bed / 2 bathOcean & Mtn Views from this well
located home.Walk to beach or store!
PORT
REN
FREW
$249,900 Lot 3 Mark LaneOcean view Building Lot in beautiful Willis Point area.
CENT
RAL
SAAN
ICH
$449,900. 10 Acres with panoramic ocean and mountain views road access to site and drilled well.
EAST
SOO
KE
$498,000 ALR RIVERSIDE level 65 ACRES on Gordon River located on
Southern Vancouver Island
PORT
REN
FREW
$159,900 Oceanfront living, updated 2 bedroom condo, in suite laundry,
excellent starter or investment.
SOOK
E
$199,200 1 acre in prime area, zoning for residential, B&B or home business. Hike to Botanical Beach.
PORT
REN
FREW
$350,000 Spectacular ocean views, ocean-front recreational property in co-op with 480 sq. ft. Park Model next to Botanical Beach.
PORT
REN
FREW
$444, 900 4 bed / 2 bath Privacy plus on .36 acre. 2192 sq ft creek-
side home with beautiful views.
SOOK
E
$499,900 1 bedroom with loft and den. Seaside bliss on the west
coast ocean front!
SOOK
ESOLD
$1,600,000. 11 bed / 9 bath To say that For-est Refl ections is not your average home is an understatement. Custom built with great attention to detail utilizing materials from the actual property. I am honored to present this estate a place to nurture your soul. Swim with the rainbow trout in your own 50’deep lake with its crystal clear spring fed water with sandy beach. This distinctive property in-cludes private wing, carriage house and care-taker’s home. The end result of all the hard work is a true estate has been created. 15 minutes to amenities, one hour to Victoria.
COBB
LE H
ILL
PREPARED BY CANNEX ON JULY 5, 2016This information is current as of the date and time posted and is subject to change without notice. © Copyright 2016 CANNEX Financial Exchanges Limited. All rights reserved.
Compare mortgage rates for your best dealCHARTERED BANKS variable 6 months 1 year 2 years 3 years 4 years 5 years
ATB Financial 2.6000 4.0000 2.9400 2.2900 2.4400 2.4900 2.5900
Alterna Bank 2.3500 4.0000 2.8500 2.0900 2.5900 2.7400 2.5800
Alterna Savings 2.3500 4.0000 2.8500 2.0900 2.5900 2.7400 2.5800
Bank of Montreal 2.7000 4.0000 2.8900 2.9900 3.3900 3.8900 4.7400
Bank of Nova Scotia 2.7000 4.5500 3.2900 3.0900 3.3900 3.8900 4.4900
CIBC Mortgages 2.7000 3.1400 2.8400 2.7900 3.3900 4.0900 4.7900
Caisses Desjardins 2.7000 4.4000 3.1400 3.2400 3.3900 3.8900 4.7400
Canadian Western Bank 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400
Canadian Western Trust 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400
Comtech Credit Union - 6.2000 2.8400 2.8900 2.9500 2.9900 2.8900
DUCA Financial Services 2.5000 - 3.0900 3.0000 2.9900 3.0900 2.5400
Effort Trust - 4.4500 3.3500 3.5000 3.7000 4.3000 4.3500
Equitable Bank - - 3.1400 3.0400 3.6500 4.3900 4.6400
First Calgary Financial - 4.0000 2.8900 2.8900 2.5900 2.7900 2.6900
First National Financial 2.3500 3.0000 2.2900 2.2400 2.3900 2.4900 2.5900
FirstOntario Credit Un. 2.5000 4.2400 2.6900 2.2900 2.3400 2.5400 2.5900
HSBC Bank Canada 2.8000 4.4500 3.1400 3.1400 3.3900 4.0900 4.6400
Home Trust Company 2.5000 3.9500 2.6900 2.1400 2.3400 2.5900 2.5900
ICICI Bank Canada 3.0500 - 2.8400 2.8400 2.8400 2.8900 2.8900
Investors Group Trust 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400
Laurentian Bank Canada 2.7000 4.4000 2.8900 2.8400 3.3900 3.8900 4.7400
League Svgs & Mortgage - 4.4500 2.9900 2.5900 2.6900 2.8900 2.6900
Libro Credit Union - 3.7500 2.6000 2.6500 2.6900 2.6900 2.6900
London Life 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400
Luminus Financial 3.2500 - 3.2500 3.2000 3.6500 4.0000 4.5000
Manulife Bank 2.6000 4.4500 3.0000 2.9400 2.8400 2.7900 2.8900
Manulife Trust - 4.4500 3.0000 2.9400 2.8400 2.7900 2.8900
Meridian Credit Union 2.4000 4.0000 2.8400 2.7900 2.6400 3.8900 2.4900
National Bank 2.7000 4.4000 3.1400 3.0400 3.3900 3.8900 4.7400
PACE Savings & Credit Un - 5.0000 2.9900 2.6900 3.4900 3.9900 4.6400
Parama Credit Union 2.6500 - 2.8000 2.8500 2.9500 3.0500 3.1500
Peace Hills Trust - 4.5000 3.1500 3.5000 3.7500 3.8500 3.9500
President's Choice Fin'l 2.7000 6.1900 3.1400 2.7900 3.3400 3.9900 4.4400
Rapport Credit Union 2.8500 6.0000 3.0900 3.0400 3.5000 3.0400 2.9900
Royal Bank of Canada 2.7000 3.1400 3.1400 3.0400 3.6500 4.3900 4.6400
Steinbach Credit Union - - 2.3900 2.3900 2.3900 2.4900 2.4900
T-D Mortgage 2.7000 3.1400 2.9900 2.8400 3.3900 3.8900 4.5400
Tangerine 2.7000 - 3.1900 3.2400 3.4900 3.6900 3.7900
WFCU Credit Union - 4.4500 3.0000 3.0400 3.6500 4.3900 4.6400
Your Neighbourhood C.U. - - 2.7990 2.8900 3.0900 3.1500 2.6900
Buyers’ Resources | MORTGAGE RATES
ONLINE CALCULATORypnexthome.ca/mortgage-calculator
Whether you’re renting or buying,fi nding your next home has never been so easy.
startyour search here.