southwestern ontario new home and condo guide - dec 6, 2014

Gracious designs and a grand location unite at Evergreens in Ancaster.

Dec 6, 2014 - Jan 17, 2015 Volume 17 Issue 22

INSIDE THIS ISSUE

LIVING IN SMALLER SPACES COMFORTABLY

MATCHING YOUR BUDGET AND HOMEBUYING NEEDS

BRIGHT HOUSING OUTLOOK FOR 2015

[ 6-WEEK ISSUE ]

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Prices, sizes and specifications are subject to change without notice. Discounted pricing applies to select homesites for a limited time. *Offer valid for homes purchased before January 16, 2015. Please see Sales for full details. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker protected. E. & O.E.

empirecommunities.com

Mississauga

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GR

EENBUILDER

OF T HE Y EAEAEROF EAEAE RARA

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2013

Empire Communities is pleased to be recognized as

Green Builder of the Year

Plus, when you buy any Empire home, don’t miss your chance topickabonusgift offourholidaytree: $2,000 TOWARDS FuRniTuRe, TRAvel OR mOving expenSeS*

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22 Green Mountain Rd. W., 905.930.7934

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We want to thank our 1,000 homeowners who trusted us this year when purchasing their dream home, helpingtomake2014ourmostsuccessfulyearever. Thisholidayseason,we’reofferingspecialpricing

on a selection of spectacular towns, 30’ and 36’ detached inventory homes. Visit our presentation Centres today and save thousands!

THAnK YOu TO OuR HOmeOWneRS!

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29

23

30

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25

1

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facebook.com/EmpireCommunities

@Empire_Living

Join the conversation

Prices, sizes and specifications are subject to change without notice. Discounted pricing applies to select homesites for a limited time. *Offer valid for homes purchased before January 16, 2015. Please see Sales for full details. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker protected. E. & O.E.

empirecommunities.com

Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

NN

Clarence

Paris

QEW

Colborne

Cent

enni

al PW

Y

Cent

enni

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Y

Green Mtn. RdMud St

Rymal Rd

Red H

ill

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PWY

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Blac

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t. PleasantWarner

Wynd�eld



Victory

Lundy’s Ln

McLeod Rd

Falls

General BrockPkwy

Brown Rd

Kalar R

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Montrose R

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NiagaraSquare

NiagaraFalls

Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

NN

Clarence

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Cent

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Falls

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Brown Rd

Kalar R

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Montrose R

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NiagaraSquare

NiagaraFalls

2013

Empire Communities is pleased to be recognized as

Green Builder of the Year

Plus, when you buy any Empire home, don’t miss your chance topickabonusgift offourholidaytree: $2,000 TOWARDS FuRniTuRe, TRAvel OR mOving expenSeS*

OPEN 7 DAYS A WEEK: Mon-Thurs: 1-7pmFri: 1-6pmSat & Sun: 11am-5pm

$331990 $341990 $332990 $389990 $306990 $306990$334990 $393990 $309990 $309990

1589 SQ.FT. TOWnHOme 1737 SQ.FT. TOWnHOme 1502 SQ.FT. 30' DeTACHeD 2226 SQ.FT. 36' DeTACHeD 1609 SQ.FT. 30' DeTACHeD 1609 SQ.FT. 30' DeTACHeD

JOY meDAlliOn Apple BlOSSOm HuDSOn mcKenZie mcKenZie

$344990 $335990

3 Binhaven Blvd., 905.692.6000 309 Blackburn Dr., 519.756.4554

BrANtfOrDBINBrOOKStONEY CrEEK

22 Green Mountain Rd. W., 905.930.7934

Bl10-109 Bl10-110 lOT 21 lOT 27 lOT 80 lOT 88

We want to thank our 1,000 homeowners who trusted us this year when purchasing their dream home, helpingtomake2014ourmostsuccessfulyearever. Thisholidayseason,we’reofferingspecialpricing

on a selection of spectacular towns, 30’ and 36’ detached inventory homes. Visit our presentation Centres today and save thousands!

THAnK YOu TO OuR HOmeOWneRS!

22

29

23

30

24

31

25

1

26

2

27

3

28

4

CLOSEDOPEN

OPEN

OPEN

OPEN

OPEN

OPEN OPEN

OPEN

OPENCLOSED

MON tUE WED tHU frI SAt SUN

CLOSED

CLOSED

CLOSED

Visit Us During the Holidays:

EMPI 7571 NHSW Xmas Inventory Ad-F.indd 1 2014-12-03 3:17 PM

BW-NHC_SWO-0914.pdf 1 14-09-24 1:34 PM

FOR MORE INFORMATION ON OUR COMMUNITIES REGISTER AT MATTAMYHOMES.COM

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

Follow us: SALES CENTRE HOURS: Monday - Thursday 1 pm-8 pm; Friday 1 pm-6 pm; Saturday, Sunday and Holidays 11 am-6 pm

MODEL HOME HOURS: Monday - Thursday 1pm-7:30pm; Friday 1pm-5:30pm; Saturday, Sunday and Holidays 11am-5:30pm

The Indigo Model Home In Wildflowers, Kitchener

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MATHAMILTONHAL – Wildflowers – Magazine – 1 Full Page Due: 02/12/2014

File Name: MATHAMILTONHAL-MH_SW NH&C_WF_Mag_7_5x10_5 Publication: SW NH&C

Trim: 7.5” x 10.5” Safety/V.O.: 6.75” x 9.75” DPI: 300

Bleed: 0.125” Colours: CMYK Built: 02/12/2014 – KN

MATHAMILTONHAL-MH_SW NH&C_WF_Mag_7_5x10_5.indd 1 2014-12-02 2:51 PM

6 NEW HOME & CONDO GUIDE SWO | DEC 6, 2014 - JAN 17, 2015

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DEC 6, 2014 - JAN 17, 2015 | NEW HOME & CONDO GUIDE SWO 7

regular and special featuresIN EVERY ISSUE

10 Editor’s Note83 Hot Dates84 Ad IndexCOLUMNISTS

18 Mortgage Advice Is the lowest rate always best for your mortgage? by Alyssa Richard

32 Building Blocks Living comfortably while making efficient use of space by Jeff Paikin

42 Make Your Move 10 things your mover won’t do by Chuck Resnick

60 Expert Advice Matching your homebuying wish list to your budget by Karen Kessel

74 Quick Tips Overjoyed, not overwhelmed: holidays without the hassle by Hellen Buttigieg

86 Fundamentally Speaking Housing outlook for Canada and SWO: full steam ahead by Wayne Karl

IN THE NEWS

20 DevelopmentDemand for mixed-use projects: demographics driving development

40 Home BuildingNominations now open for EnerQuality’s EQ Awards

54 Fusion HomesBuyers flock to Grand Opening of Fusion Homes’ The Metalworks

58 MortgagesCanadians making smarter mortgage decisions: survey

HOMEBUYERS’ HELP

50 City Focus Opportunities abound throughout SWO’s varied housing marketsby Wayne Karl

62 Style FileMixing it upby Blima Ehrentreu

73 Trending Mad for plaidby Sara Duck

77 Homebuyers’ Resources Mortgage Calculator & Rate Table

22 TillsonburgTillsonburg DevelopmentsBaldwin Place – freehold bungalows in an adult lifestyle community

34 Niagara Falls Pinewood Homesinvests in Wow factor in its Niagara Falls townhome community

46 Multi-Site Empire Communitiesfrom Niagara to Brantford and Hamilton

DEC 6, 2014 - JAN 17, 2015 || VOLUME 17 ISSUE 22

contentsON THE COVER

p. 14DAWN VICTORIA

HOMESOpportunities remain

for gracious living at Evergreens in Ancaster

18 London25 Hamilton55 Waterloo

New Home WATCH

community focus features

22

34

46

008 TOC_Issue 22_WK.indd 8 12/4/14 2:27 PM

What’s Your Holiday Joy?THE JOY OF THE HOLIDAYS SHOPPING EVENT!

YOUR NEW MOUNTAINV IEW HOME!$8,000 off

(our way of spreading a little Joy!)

Off er & Specifi cations subject to change without notice. E.&.O.E. Not valid with any other promotion. Off er valid for a limited time.

www.mountainview.com905.323.6232

THE JOY OF

SHOPPING EVENT!

THE HOLIDAYS


PRESIDENT, WALL2WALL MEDIA

Jacqueline HillDIRECTOR OF SALES, NATIONAL

Josh Heppner ASSOCIATE PUBLISHER

Susan Maxwell EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan LeggeART DIRECTOR

Daiana Garay

EDITOR

Wayne KarlCONTRIBUTING EDITORS

Sara DuckElisa KrovblitLydia McNutt

DISTRIBUTION & SALES CO-ORDINATOR

Jennifer BistronADMINISTRATIVE ASSISTANT

Antoinette Jackson

MANAGER OF PRODUCTION

Bala GnanapandithanCO-ORDINATOR

Hannah YarkonyGRAPHIC DESIGNER

Viosa Barileva

CONTRIBUTING WRITERS

Joanne KeenanJeffrey ReedMichele Sponagle

#500-401 The West MallEtobicoke, ON M9C 5J5T 416.626.4200 F 416.784.5867

ADVERTISING: Call Susan Maxwell at 416.580.1654 FAX: 416.784.9554 Toll Free: 1.877.269.8257, follow prompts, ext. 4260;e-mail: [email protected] Office hours are Mon-Thurs. 9-5; Fri. 9-12CIRCULATION: Free distribution. Published bi-weekly from Sept.-Nov. & from Feb.-June and monthly in June, July & Dec.TERMS: Advertisers, Editorials and New Home & Condo Guide are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.EDITORIAL: Submissions from interested parties will be considered. Please submit to the address above, to the attention of the Editor.COPYRIGHT 2014: All rights reserved by New Home & Condo Guide, Toronto, Ontario. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication. Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

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

newhomeandcondoguide.com

Published By

WAYNE KARL EDITOR Wall2Wall [email protected]

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

//EDITOR’S NOTE

December is here and the end of the year is in sight, and even though RRSP contribution and tax return � ling deadlines are months away, it’s the perfect

time for Canadians to begin preparing. Indeed, experts suggest the best tax planning takes place

during the year – not at deadline time. Consider, for example:» A new poll from CIBC indicates 31 per cent of

Canadians don’t expect to meet the � nancial goals they set for themselves at the beginning of the year.

» 22 per cent didn’t set any � nancial goals at all, and» Only 13 per cent met all of their � nancial goals

for the year CIBC and other � nancial institutions say a comprehensive tax strategy includes

contributing to a Registered Education Savings Plan, donating to charity and conducting a careful review of all your investments.

¦ is latter step can include reviewing your RRSP contributions, and looking for ways to contribute more; as well as taking advantage of the opportunities a§ orded by a Tax-Free Savings Account.

To be sure, most Canadians would rather be enjoying holiday festivities. But with the end of the year in sight, and then the real RRSP and tax deadlines not that far o§ , time spent on these matters now will yield merrier occasions come tax return time.

Tis the season...To be tax planning? That doesn’t sound very jolly, but experts say preparing now makes for a merrier deadline

The Bank of Canada, in its latest rate announcement on Dec. 3, once again held its interest rate target at one per cent. ¦ e rate has

been at that level since September 2010, which is good news if you’re in the market for a mortgage.

¦ ere are many excellent mortgage products available from banks and brokers that will suit your individual needs, and could well be lower than posted bank rates, which are currently hovering around three per cent for a variable rate. With a pre-approval in hand, you’re protected if rates rise; if they go down, you’ll likely get an even lower rate. A pre-approval can be a win-win situation for shoppers,

since it means you don’t have to wait to get � nancing approval on a home when you put in an o§ er. ¦ is is an especially good tool to have when markets are hot. Removing the “conditional on � nancing” clause could mean your o§ er is accepted � rst since you already have your � nancing in place.

So when will rates rise? It’s anyone’s guess, but most experts agree it’s unlikely there will be any signi� cant movement next year.

However, we can’t assume that will be the case, and you shouldn’t wait too long to get pre-approved for a mortgage. It can take a few days. Many lenders o§ er online pre-approvals to make the process faster and easier.

Start the New Year o§ right by taking advantage while you still can.

Take advantage while you canLow interest rates still in your favour

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

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

010-Editors Page_SWO_VB-WK.indd 10 12/4/14 1:30 PM


Sales Centre Hours & Location: 5017 & 5019 Serena Drive, Beamsville

Hours: Saturday & Sunday 12pm - 5pm Fridays by appointment only

289.566.8889IMPORTANT: Take Ontario St. (Hwy #18)/Beamsville Exit #64

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//COVER STORY

Last opportunities remain for gracious living at EVERGREENS in ANCASTER

S ooner rather than later, you can be living at Ancaster’s Evergreens, a serene enclave of only 57 estate-

styled homes minutes from the olde town and even closer to the country.

Designed for your family by Dawn Victoria Homes, Evergreens unites gracious design with the grandeur of historical architecture. Only 15 homes remain, with three homes presently under construction so they can easily become yours in just a few months.

Choose from the 2,803-sq.-ft. Loyalist that borders the walkway leading to the community park. At two storeys, it has four bedrooms, main floor Great Room, rear covered porch, dining room, den/living room, plus a second floor family room and laundry room. It awaits your selections for colours and finishes. The Beasley is also a two-storey with four bedrooms – plus a three-car garage. Both of these homes feature a solid oak staircase and will be available in 60 to 90 days.

Dawn Victoria has reserved a prime corner lot for a custom home, which is also under construction. At 4,193 sq. ft., there is no luxury spared. Its graciousness begins with a main floor Great Room, dining room, living room, and den under 10-ft. ceilings. The bedroom level enjoys nine-ft. ceilings and a laundry room. The master ensuite will be breathtaking with a pedestal tub as a dramatic focal point. Other custom touches include eight-foot doors throughout, circular staircase to the basement with its height of eight-ft.-six-in. and a main staircase of solid oak. The dream kitchen has been adorned with numerous features that include appliance garages, deep pullout drawers, wood canopy range hood, furniture-styled cabinets and island, crown moulding, valance

014-015 Cover Story Dawn Victoria_VB-WK.indd 14 12/4/14 12:57 PM


DAWN VICTORIA HOMES | Evergreens

lighting, extended height uppers and built out fridge. This home will take your breath away and can still be enhanced with your own selection of colours and finishes.

Two graciously appointed models are available for viewing while illustrating two lifestyle possibilities. Family living is gracious and easy to achieve in the two-storey, four-bedroom Rousseaux of 3,157 sq. ft. Next door, the 2,212-sq.-ft. Halson features main floor living with a two-bedroom loft, ideal for empty-nesters or busy professionals looking to retreat to the lap of luxury and comfort.

These country-sized lots of 42- and 50 ft. can be found on Southcote Road, north of Garner Road. With only two streets of homes, Evergreens has the charm of being a community within a community. Designs offer three elevations and dozens of exterior finishes for an appealing streetscape that artfully merges natural elements of the day – stone, brick, wood siding – with state-of-the-art home construction.

Evergreens is where clean country air surrounds you and pastures are a whisper away; where city lights are in the distance and quiet nights will be yours. Evergreens is only seconds to Hwy. 403, making access to Hamilton, Toronto and Brantford quick and easy. Or take the back roads and enjoy the scenery. In minutes you can access the LINC and be in Stoney Creek or hop on the Red Hill Expressway and be on your way to Niagara.

By next spring, you can be enjoying life at Evergreens in Ancaster in your Dawn Victoria home.

LOCATION: Ancaster

HOUSING TYPE: Two-storey and bungalow singles from $422,900

SALES CENTRE: Southcote Rd. at Garner Rd., open 1 to 6 p.m. Monday to Thursday, noon to 5 p.m. weekends

CONTACT: 905.304.6099 [email protected] dawnvictoriahomes.com

This home will take your breath away and can still be enhanced with your own selection of colours and finishes.

014-015 Cover Story Dawn Victoria_VB-WK.indd 15 12/4/14 12:58 PM


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INTRODUCING, A WHOLE NEW NEIGHBOURHOOD IN HAWTHORNE VILLAGE.

Coming Early In The New Year!Hawthorne South Village is the newest part of the largest community in Milton. Since opening 14 years ago, Hawthorne Village represents home to over 12,000 families. This collection of

neighbourhoods offers everything a family needs including the natural beauty of the escarpment.

• New Townhomes and Detached Homes • Large variety of exterior styles and interior floor plans • Community schools, retail, parks and playgrounds • Walking/biking trails linked to nature trails throughout

the area • Close to downtown Milton with fine dining, shopping, recreational and cultural facilities

Follow Us:

FOR MORE INFORMATION ON OUR COMMUNITIES REGISTER AT MATTAMYHOMES.COM

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

MATHAMILTONHAL – Hawthorne South Village – Magazine – 1 Full Page Due: 02/12/2014

File Name: MATHAMILTONHAL-MH_SW NH&C_HSV_Mag_7_5x10_5 Publication: SW NH&C

Trim: 7.5” x 10.5” Safety/V.O.: 6.75” x 9.75” DPI: 300

Bleed: 0.125” Colours: CMYK Built: 02/12/2014 – KN

MATHAMILTONHAL-MH_SW NH&C_HSV_Mag_7_5x10_5.indd 1 2014-12-02 2:47 PM

LONDON

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FOREST PARK HOMES London | Amour Riverbend Coming soon – elegant town villas from $234,900. armourriverbend.ca

FOREST PARK HOMES London | Central Park Coming soon – urban townhomes from $224,900. centralparklondon.ca

NEW OPENINGSTRICAR GROUP Stratford | 36Front Steps from the Avon River, this luxurious new lowrise building features suites ranging from 1,200 to 1,800 sq. ft. in two-bedroom or two-bedroom plus den designs, as well as select penthouses. 36front.com

SIFTON PROPERTIES London | Westwood Village Grand opening of luxury one-floor Energy Star condos from the low $300’s. sifton.com

CLAYSAM HOMES Woodstock | Neighbourhoods of Devonshire Get affordable homeownership in this community of single-family homes minutes from Hwy. 401. claysamhomes.com

NEW RELEASESSENATOR HOMES Woodstock | Havelock Corners Detached homes from $209,990 in an established community. senatorhomes.com

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

New Home WATCH

018-Sneak Previews LONDON_VB.indd 64 12/4/14 1:41 PM


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London EASTFOREST HOMES Andover Trails • from $199,990 59

London TRICAR Village North • from mid $200's 61

Tillsonburg TILLSONBURG DEVELOPMENTS Baldwin Place • • • from $232,000 24

Tillsonburg TOWN OF TILLSONBURG 21


DEMAND FOR MIXED-USE PROJECTS

Demographics driving development

Canadian homebuyers are forgoing the larger lots and extra bedrooms of the ‘burbs in favour of urban conveniences close to home, according to a recent report titled Emerging Trends in Real Estate 2015 conducted by PwC and Urban Land Institute (ULI). Urbanization is no longer a growing trend, but rather the “new normal.” Hot on the heels of these city-bound homebuyers are developers who are keen to meet buyer demand and add value to their properties by exploring new mixed-use developments like condos and rental apartments which combine residential and commercial opportunities.

“In the Canadian market, the bidding on prime properties can be quite competitive. In response to this competition, the market has become very creative in finding ways to enhance value. The convergence of residential and commercial development is a way to illustrate this value,” says Frank Magliocco, national leader, Canadian Real Estate, PwC. “Residential developers have started to add retail and other services such as health care and education in a bid to attract buyers. Likewise, commercial developers are including residential components to their office and retail projects.”

Canadian real estate at a glance: The best places to be in 2015Calgary and Edmonton have been named Canada’s top real estate markets, scoring well for investment, development and housing.

Toronto came in third, with continuing migration by residents and retailers to the city core, and an already strong condo market further solidified by a lack of affordable housing.

Following closely in fourth, Vancouver is expected to lead in growth in 2015, with steady foreign investment pouring into its robust housing sector.

Montreal’s stable market is expected to remain so in 2015, with a drop in the condo market as it continues to absorb inventory. “Meanwhile, the city is keen to attract high-end retailers via Rue Ste. Catherine, where experts foresee the avenue being transformed over the next five years,” according to the report.

While in Winnipeg, a drop in home sales has raised concerns around overbuilding impacting the city’s finances.

“The real estate industry of Canada’s large urban centres continues to be an engine of stable economic growth for the country. It has proven itself to be a low-risk business environment for developers and investors,” says Richard Joy, executive director, ULI Toronto. “This is especially true in western Canada. The market shift toward urban cores and transit-supportive communities is a unique opportunity to maximize the value of new public infrastructure investment in major cities across the country.”

//IN THE NEWS

» by LYDIA MCNUTT

020 News-Drive for more mixed use projects_VB_L-WK.indd 56 12/4/14 12:26 PM


OPPORTUNITY. OPPORTUNITY. OPPORTUNITY.


//COMMUNITY FOCUS

LOCATION: Tillsonburg

HOUSING TYPE: Adult lifestyle, single-detached custom freehold bungalows

SALES CENTRE: 3 Esseltine Dr., open 10 a.m. to 5 p.m. Saturday through Thursday, Fridays and holidays by appointment only

CONTACT: 519.842.4251 1.800.265.5709 baldwinplace.ca

BALDWIN PLACEFreehold bungalows in an adult lifestyle community

The initial success of Baldwin Place, Tillsonburg Developments’ premier adult lifestyle community in the town of Tillsonburg, has been overwhelming. New home purchasers have fallen in love with the

single-detached custom freehold bungalows, and the lifestyle provided by this cosy community.

Tillsonburg Developments is pleased to announce the opening of Phase 9A at Baldwin Place. An additional 32 lots are now available, capping off a tremendously successful year for Tillsonburg Developments. This new release of lots includes a row of larger lots backing onto countryside, including several pie-shaped lots, plus a number of 40-ft. lots and some 45-ft. lots.

Another chapter in the Baldwin Place success story involves the construction of an exciting new model home: the never before offered Surrey, a 1,496-sq.-ft. bungalow featuring a gorgeous stone and brick exterior, double-car garage and extra deep lot. Inside this beautiful new model, a spacious open-concept kitchen, living room-dining room area, main floor laundry and two bedrooms provide the

022-023 CF Tillsonburg_VB-WK.indd 54 12/4/14 1:59 PM


TILLSONBURG DEVELOPMENTS | Baldwin Place

very best layout for today’s busy adults who also enjoy entertaining at home.

Close to every modern amenity, Baldwin Place offers quality-built freehold bungalows starting at just $232,900, including HST. Or, have Tillsonburg Developments modify an existing plan or custom design a home plan for you – you can even bring in your own plan!

All of the new model homes at Baldwin Place now have fully-furnished interiors. Each of the model homes are available for purchase (with the exception of the sales office/model), and offer a quick closing. You even have the option of buying a model fully furnished! Currently, there is one spec home available: the Gainsbourough Elevation A with an all-brick exterior. This home is expected to be completed in a few weeks, offering a faster than typical completion and possession time.

The gorgeous new Marlborough Elevation B model offers an expanded front porch and single-car garage. The open concept living room, dining room and kitchen areas make this home seem much larger than its 1,280 sq. ft. Natural lighting is controlled

using tilt and raise blinds between the glass of the sliding patio doors. This model boasts an all-brick exterior with the upper portion of the front of the home finished in board and batten siding.

Each model home at Baldwin Place offers a variety of standard and upgraded features, allowing prospective purchasers to view a wide variety of options. Baldwin Place also has an interior designer on staff to assist each home purchaser (at no extra cost) with their home’s interior finishes and colours. Choose from a wide variety of selections, all on view in the sales office/decor centre located in the Gainsborough model home, 3 Esseltine Dr., just as you enter Baldwin Place from Quarter Townline Road.

In addition to the recreation centre at Baldwin Place, there are a myriad of leisure activities within the town of Tillsonburg and surrounding area – there are approximately 30 golf courses within a 30-minute drive of Baldwin place. No matter what the season, there’s always an activity to enjoy in Tillsonburg.

Visit the sales centre and new models today, and see for yourself how Baldwin Place embraces a modern lifestyle within a community-driven town.

022-023 CF Tillsonburg_VB-WK.indd 55 12/4/14 1:59 PM


All-brick, detached, freehold homes starting at

with a fully-equipped recreation centre (monthly association fee of just $30) andonly minutes away from medical facilities, shopping, dining and great golf.

$232,000(incl. hst)

3 ESSELTINE DRIVE, TILLSONBURGMODEL HOME HOURS:

OPEN MONDAY - THURSDAY, SATURDAY & SUNDAY 10AM TO 5PM.

FRIDAYS & HOLIDAYS BY APPOINTMENT ONLY.

E.& O.E. Prices & Specifications are subject to change without notice.

Call us now at 1-800-265-5709www.baldwinplace.ca

BALDWIN PLACE

UNBEATABLE

VALUE

BP2014 NH&C Ad 3 Final:Layout 1 9/24/14 6:32 AM Page 1


ANCASTERBEAMSVILLEBINBROOKBRANTBRANTFORDBURLINGTONCATHARINES GRIMSBY HAMILTON

MILTONNIAGARAOAKVILLEPARISPORT DOVERST. CATHARINESSTONEY CREEKVINELAND

HAMILTON HALTON NIAGARA

PREVIEW REGISTRATIONSILVERGATE HOMES St. Catharines | Jacob’s Landing Register now for these 12 luxury towns and singles from the low $500’s. jacobslanding.ca

ADI DEVELOPMENTS Burlington | LINK2 Condos + Lofts Coming soon – one- and two-bedroom condos, and two-storey garden villas and lofts. adidevelopments.com

CARRIAGE GATE HOMES Burlington | The Berkeley Coming soon to downtown Burlington – hotel inspired condo living. theberkeleycondo.com

PHELPS HOMES Smithville | The Atwater Collection Register now for this adult lifestyle community featuring a collection of attached bungalows backing onto Twenty Mile Creek. phelpshomes.com

AVERTON HOMES Niagara-on-the-Lake | Averton Square Coming soon, luxury condominiums to go along with luxury bungalows. avertonsquare.com

CARRIAGE GATE HOMES Ancaster | Legacy Coming soon, register today for this collection of luxury 50-, 55-, 60- and 66-ft. lot designs. carriagegatehomes.com

BRANTHAVEN HOMES Burlington | Jazz Register now for these condos from the $200’s. jazzcondos.ca

ROSEHAVEN HOMES Chippawa | The Ravines at Lyon’s Creek Bungalow and bungalow with loft condominium townhomes. rosehavenhomes.com

LOSANI HOMES Ancaster | Ancaster Glen & The Woodlands Ancaster Register now for a priority viewing of singles and towns in Ancaster’s most exclusive community. losanihomes.com

ROSEHAVEN HOMES Waterdown | Waterdown Meadows Returning to Waterdown – popular 35-ft. singles. waterdownmeadows.com

VALERY HOMES Milton | Viva2 Register now for one- and two-bedroom condo suites, while future phases will include condo townhome designs valeryhomes.com

SILVERGATE HOMES Niagara on the Lake | St. Andrews Glen Register now for this elegant collection of spacious condo townhomes in this historic town. standrewsglen.com

SPALLACCI HOMES Hamilton | Eden Park Coming soon – Simona Place The Towns of Eden Park Exquisite collection of executive townhomes. spallaccihomes.com

SPALLACCI HOMES Hamilton | 101 Locke Condos Register now – Boutique condo living is coming to Hamilton’s hip Locke Street. spallaccihomes.com

HALTON HILLS WELLINGTON WATERLOO

BUILDERS: If you would like to include your new model home or site opening, email [email protected].

Please say you saw it in New Home & Condo Guide!

New Home WATCH

NEW OPENINGSEASTFOREST HOMES Paris | Grandville Award-winning designs on 50-ft. lots from $399,990 – decorated model now open. eastforesthomes.com

SPALLACCI HOMES Hamilton | The Towns of Eden Park A collection of executive townhomes – Grand Opening Nov. 1. spallaccihomes.com

SPALLCCI GROUP & VALERY HOMES Hamilton | The Residences of Royal Connaught Now open – the transformation of this landmark property has begun. Here’s your chance to buy a piece of history. royalconnaught.com

KINGWOOD HOMES Brantford | Riverwalk West Now open – 40- and 45-ft. luxury singles, steps from the Grand River. kingwoodhomes.ca

SPALLACCI HOMES Hamilton | Eden Park Grand Opening of Chateau-inspired semis collection. spallaccihomes.com

NEW RELEASESHOMES BY DESANTIS Beamsville | Lincoln Square Fiera New release of two-storey townhomes within walking distance to trails and natural areas. homesbydesantis.com

EMPIRE COMMUNITIES Brantford | Wyndfield New release of freehold townhomes from $219,990. wyndfield.empirecommunities.com

SILVERGATE HOMES St. Catharines | Village on the Twelve New release of urban townhomes and apartment residences from the $380’s. silvergatehomes.com

025-Sneak Previews HAMILTON_VB.indd 33 12/4/14 1:46 PM


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Aldershot BRANTHAVEN HOMES Jazz • from mid $200's 12

Ancaster DAWN VICTORIA Evergreens • from mid $400's 43

Ancaster LOSANI HOMES Ancaster Glen • from mid $300's 85

Ancaster LOSANI HOMES Ancaster Glen II • 85

Beamsville HOMES BY DESANTIS Fiera Collection • • from mid $200's 11

Beamsville MOUNTAINVIEW HOMES Hillside Estates • 9

Binbrook BRANTHAVEN HOMES The Fairgrounds Finale • from high $200's 13

Binbrook EMPIRE COMMUNITIES Summerlea • • from $332,990 2&3

Brantford EMPIRE COMMUNITIES Wyndfield • • from $306,990 2&3

Burlington BUCCI HOMES The Villages of Brantwell • • • from low $500's 29

Chippawa/Niagara ROSEHAVEN Lyon's Creek • • • from $314,990 49

Chippawa/Niagara HOMES BY DESANTIS Lyon's Creek • • from $289,900 11

Fonthill MOUNTAINVIEW HOMES The Residences at Lookout • • 9

Fort Erie MOUNTAINVIEW HOMES Beaver Creek Estates • 9

Hamilton LOSANI Greenhill Glen • • from high $300's 85

Hamilton LOSANI Paramount at Valley Park • • from low $300's 85

Hamilton SONOMA HOMES Style Town Collection • from mid $300's 41

Hamilton VRANCOR GROUP 150 Main • from low $200's 47

Niagara GREAT GULF Rolling Meadows • • from $344,990 87

Niagara MOUNTAINVIEW HOMES Fernwood • • 9

Niagara MOUNTAINVIEW HOMES Thundering Waters • • from $305,900 9

Niagara Falls PINEWOOD HOMES The Wow Euro Towns • from $229,990 36

Niagara Falls SILVERGATE HOMES Victoria Woods • from the $300's 38

Niagara on the Lake BW HOMES Niagara on the Green • • • from mid $200's 5

Oakville BRANTHAVEN HOMES Oakvillage • from mid $300's 13

Milton MATTAMY HOMES Hawthorne Village • • 17

Paris EASTFOREST HOMES Grandville Paris • from $409,990 59

Simcoe EASTFOREST HOMES Woodway Trails • • from $209,990 59

St. Catharines BW HOMES Victoria Village • from low $300's 4

St. Catharines JACOB'S LANDING Jacob's Landing • • from low $500's 39

St. Catharines MOUNTAINVIEW HOMES Generations • 9

Stoney Creek EMPIRE COMMUNITIES Lush at Victory • • from $331,990 2&3

Stoney Creek NEW HORIZON Waterfront Trails • • 33

Stoney Creek ROSEHAVEN HOMES On the Ridge • 37&49

Stoney Creek HOMES BY DESANTIS On the Ridge • 11&37

Thorold MOUNTAINVIEW HOMES West Community • • • 9

Thorold ROSEHAVEN HOMES Gibson Heights • • from $291,990 49

Waterdown COUNTRY GREEN HOMES The Uptowns of Waterdown • from mid $200's 7

Waterdown ROSEHAVEN HOMES Waterdown Meadows • from $474,990 49

Welland MOUNTAINVIEW HOMES Harvest Estates • • 9

27

2 MODELS TO VIEW

Kathie Pillar, Sales Representative

Offi ce: [email protected]

Urban BungalowsOne Floor Living Priced from the low $500’s

Prices and specifi cations subject to change without notice. E & OE. See sales Rep for details. G R O U PG R O U P

M A S T E R P L A N N E D C O M M U N I T I E S

www.buccihomes.comHours: Monday - Thursday, Saturday & Sunday 12-6pm. Friday by appt. only

Townhome Model Open Daily

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COMMUNITY


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

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

//MORTGAGE ADVICE

» by ALYSSA RICHARD

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

» COLLATER AL CHARGE. If the lowest rate ends up being for a collateral mortgage, you’ll want to carefully consider how taking one on could affect your finances in the future. Collateral mortgages are readvanceable mortgage products that allow you to borrow money from your home at anytime, without having to refinance (and pay the legal fees to do so). Sounds great, right? Unfortunately, they also lock you into staying with that particular lender, even when your mortgage comes up for renewal. To get out of a collateral mortgage, you would need to hire a real estate lawyer (and pay legal fees).

» CLOSED MORTGAGE. While most mortgages in Canada are closed, some mortgage products’ restrictions are tougher than others. For example, the 1.99 per cent fixed-rate mortgage product Investors Group offered a couple months ago didn’t allow borrowers to prepay, negotiate or refinance their mortgage throughout the three-year term. The only way to break your mortgage in that agreement was to sell your home. Again, if you are someone who wants to pay down your mortgage debt fast or may need to borrow from your home in the future, this may not be the best product for you.

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

ALYSSA RICHARD is the Founder and CEO of ratehub.ca, a mortgage

rate comparison site that aims to empower

Canadians to make smart financial decisions.

Is the lowest rate always best?

While most mortgages in Canada are closed, some mortgage products’ restrictions are tougher than others.

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LIVING THEDREAMat the corner of MAIN and Everything

150 Main WestResidential Loft CondosSpacious and Open Concept designed suitesFantastic location, in the “Heart of the City”!Spectacular views of the Hamilton Bay, Escarpment and Skyline

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» by JEFF PAIKIN

//BUILDING BLOCKS

JEFF PAIKIN Past President of HHHBA,

has been in the building industry for more than 20

years. As President and CEO of New Horizon Development Group

(Builders of the inaugural CHBA Green Home of

the Year), there isn’t much in the housing world

he hasn’t seen. Jeff will provide regular insight

and perspective of what’s going on in today’s market and what buyers should be aware of as they prepare

to make a purchase. He can be reached at

[email protected]

Smaller spaces, bigger visionLIVING COMFORTABLY WHILE MAKING EFFICIENT USE OF SPACE

“Living large” is a mantra North Americans have been far too familiar with over the past few decades. Fortunately, most of us have come to realize that it’s not just our fast food portion sizes or our behemoth SUVs that could use some slimming down. Wastefulness and excessiveness are in steady decline, with growing numbers examining where in their lives they can cut back in order to save time, money and effort. This shift in perspective has been quite apparent in today’s real estate market. As baby-boomers seek simplicity in smaller, uncluttered spaces, and young up-and-comers seek affordable living in minimalist condos and lofts, smaller spaces have become the dominant trend in new homes.

Not so long ago, the idea of a smaller home used to elicit images of being cramped and inconvenienced, with no place to entertain guests or even enjoy a bit of privacy. All that has changed over the past decade as architects and designers have devised and implemented proven techniques to maximize the functionality and flow of today’s living spaces.

Housing is typically the largest expense most people will ever assume. Miscalculating just how much home you require can cost you thousands of dollars over the life of your mortgage. Try to imagine the myriad of benefits that go along with your smaller space and even smaller mortgage and all of a sudden the idea of less being more takes on a whole new meaning.

For starters, spending less on the actual home permits the homebuyers to redirect their money towards personalizing their living spaces with finer materials and superior craftsmanship, making it distinctively charming and livable. Also keep in mind that quality flooring, finishes, fixtures and furniture are all much more affordable when dealing with a smaller space.

Another major factor driving the smaller spaces trend is a rapid rise in eco-consciousness. The ideal of an enormous house filled with specialized, rarely used rooms is purely a North American one. If you are sincere about contributing to a sustainable future and reducing your carbon footprint a smaller home can make the biggest difference. No matter how many Green materials a large home has, its sheer size, unutilized space, and sometimes dysfunctional design make for a very inefficient living space.

Proper “Green living” almost always results in substantial long term savings, which is why the positives of living in a smaller habitat continue giving for the entire lifetime of the house, as every room must be furnished, heated, cooled and so forth.

The environmental positives of a smaller living space are even greater than the financial benefits that you reap. A smaller home means a smaller footprint on the earth, in every measurable way – fewer trees cut down, less earth bulldozed, less petroleum burned, less steel mined – essentially less usage of every resource. So a smaller living space – an eco home, and using Green materials, appliances and building methods can make it even Greener.

Canadian homebuyers are realizing that a home that expresses your values and that’s a joy to live is not a function of square footage. Most of today’s larger homes are designed to overwhelm rather than welcome. Homes with cavernous spaces just aren’t as intimate and comfortable as those properly scaled down to the homeowner’s life. Think of your house as a tailored suit, just big enough to fit you perfectly.

People who are able to make smaller living spaces work, often find themselves with a surplus of time and resources to direct towards other areas of their life such as family, health, career and leisure. Perhaps a smaller home can create a more balanced and enjoyable life for you – one that will keep you connected to the things that truly matter.

032 Jeff Paikin Building Blocks_VB-WK.indd 40 12/4/14 12:31 PM


//COMMUNITY FOCUS

LOCATION: Niagara Falls

HOUSING TYPE: Euro townhomes 1,154 to 1,390 sq. ft. from $229,990

SALES CENTRE: 7107 Kalar Rd., at McLeod Road, open Monday to Wednesday noon to 6 p.m., weekends 11 a.m. to 5 p.m.

CONTACT: 905.329.5195 [email protected] thewow.ca

PINEWOOD HOMES

invests Wow factor in its Niagara Falls townhome community

P inewood Homes has invested a lot of wow factor into its newest Niagara Falls townhome community – The Wow. This community of 60 three-level townhomes captivates and entices homebuyers with style,

innovation and panache, just as the falls wows visitors from near and far. The Wow extols the virtues of carefree living with a touch of cosmopolitan

design in these townhome condominiums. With a gracious presence resembling a chateau, these homes allude to a new sense of style for Niagara Falls. The Euro exterior is stone and stucco with second level walkouts. Stately windows offer both practical and detailed aspects to the traditional exterior while an abundance of light flows through the modern, open-concept interiors of contemporary style.

The design will wow you. Built back to back, each offers three levels where low-maintenance living is the rule. Condo living means there is no snow to shovel or grass to cut. The design integrates higher, wider windows to welcome natural light in all rooms. Without the garage biting into the main level, there is increased usable space for kitchen, dining and living areas, essential elements of main floor living designed to wow you.

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PINEWOOD HOMES | The Wow

Interiors await your finishing touches as homebuyers have an opportunity to select the cabinetry, ceramics, carpeting and paint colour of choice.

Every townhome has a fully insulated garage that enables its use for more than the fair weather seasons. Depending on the plan, the entry space at garage level is large enough to embrace a sitting area, workout space, a teen’s retreat or a home office/guest room should you need to accommodate overnight visitors visiting the honeymoon capital of the world.

You will be wowed by the size – increased square footage and wider than traditional townhome designs. The facade is unique for Niagara Falls as are luxury features and the private terraces. Five plans offer one-, two- and three-bedroom layouts within 1,154 to 1,390 sq. ft.

A virtual tour at thewow.ca introduces a sophisticated approach to condo living that embraces style and design within an urban setting close to schools, shopping and even the countryside. Within walking distance, there are plenty of dining spots, sports bars and eateries, plus grocery stores, services, parks and schools. You’re minutes to the mighty roar of Niagara yet secluded from the lights and fanfare in your own private enclave. Wow – what a choice.

Interiors await your finishing touches as homebuyers have an opportunity to select the cabinetry, ceramics, carpeting and paint colour of choice.

For a limited time, Pinewood is playing Santa and including, nine-ft. ceilings on the ground and main floor, berber carpet on upper floor, premium laminate on ground and main floor, central air, three stainless steel appliances, barbecue and a patio set, plus a door from the garage to the house.

And for a Christmas bonus, purchasers can choose one of the following options: granite countertops in the kitchen, wrought iron railings or a washer and dryer set.

The community design also includes gardens and sitting areas that are vital for residents to connect with the outdoors. Value, space and a great lifestyle – wow! What more do you need?

034-035 CF Pinewood_VB-WK.indd 35 12/4/14 1:07 PM


find more at thewow.ca

PRESENTATION CENTRE

7107 Kalar Road Niagara Falls

(corner of McLeod & Kalar)

905.329.5095

Lundy’s Lane

McLeod

QEWKalar

MontroseN

1 minute to the Q.E.W.

1 hour to Toronto

5 minutes to the U.S Border

10 minutes to the Niagara Wine route

Features valued at over $40,000

Starting at $229,990Starting at $229,990

WINTER BONUS PACKAGE

9’ Ceilings

Premium Laminate Flooring

Central Air Conditioning

Three Stainless Steel Appliances

Wider interiors with more space

plus many many more...

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Phase 1 50% sold out

Prices & Promotions are subject to change without notice E.& O.E

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Sablons, 1,905 sq.ft. - Rosehaven Homes

Stoney Creek’s Family First Community

TWO AWARD-WINNING BUILDERS IN SOUTH WEST ONTARIO

Rear yard dimension is approximate and subject to change depending on choice of lot and house. Prices and specifications correct at press time. Prices quoted are in $ thousands. Maps not to scale. E. & O.E.

Hours: Mon to Thurs: 1pm to 7pm Sat, Sun & Holidays: 11am to 6pm Closed Friday

Presentation Centre is located at: First Rd. W. & Mud St. E.

Site is located at:First Rd. W. & Highland Rd. W.

Live large in a spacious semi at On The Ridge. With room to grow, it’s the lifestyle you want for your family... a touch above!

· Sensational designs· Stunning interiors· Spectacular backyards· Suit every family’s needs· Select from 10 designs· Surrounded by fun· Semis from 1,300 to over 1,900sq.ft

STONEY CREEK

35’ & 40’ Singles available too!Sablons, 1,905 sq.ft. - Rosehaven Homes

“We chose On the Ridge by Rosehaven Homes because of the style of houses that we offered, location and PRICE! PRICE! PRICE! I am moving to the Stoney Creek area because

my fiancée (Kathleen) lives there and the prices are much better than what is in the GTA.”

Paul-Luca Canzio & Kathleen Young Schomberg, ON

37

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//IN THE NEWS

GREEN HOME BUILDERS DESERVE RECOGNITION

Nominations are open for EnerQuality’s EQ AwardsThe home building industry is creating Greener communities across Ontario. When it comes to energy efficiency and sustainability, builders are re-thinking and changing housing in all disciplines, including planning, design, construction and marketing.

Take the adoption of Energy Star for New Homes – since the introduction of the program almost 10 years ago, more than 58,000 qualified homes have been built in Ontario. Last year alone, 29 per cent of all homes built in the province were Energy Star qualified.

Every year, select builders, energy evaluators and industry partners are honoured with a number of prestigious awards at the EQ Awards Gala, taking place this year at the Sheraton Parkway Toronto North Hotel and Suites in Richmond Hill on Feb. 19, 2015. A full day EQ Housing Innovation Forum will be followed by the EQ Awards, at which we will be celebrating the 10th Anniversary of Energy Star, the most successful Green building program in Canada.

”Energy Star is the most trusted brand for energy efficiency in Canada, and awareness is increasing that new homes can be qualified to this high standard,” says Corey McBurney, president of EnerQuality, Canada’s number one certifier of Ggreen building homes. “We must recognize those builders who are continually improving, and pushing the boundaries through innovation.”

Corey notes that the awards nomination process has begun and EnerQuality is asking for help identifying this year’s top performers.

Awards are granted in a number of categories, including the Building Innovation Award that recognizes a builder who has demonstrated technical excellence while implementing high performance building practices; and the Ontario Green Builder of the Year award that recognizes an outstanding home builder that has led the residential building industry in environmental responsibility. Other awards categories include:

» EnerQuality’s Energy Star for New Homes Builder of the Year (Large Volume)

» EnerQuality’s Energy Star for New Homes Builder of the Year (Mid Volume)

» EnerQuality’s Energy Star for New Homes Builder of the Year (Small/Custom)

» EnerQuality’s Energy Star for New Homes Champion of the Year

» Best Green Marketing Campaign» Green Renovation Project of the Year» Evaluator of the Year» Leader of the Year (nominated by EnerQuality)» Hall of Fame (nominated by EnerQuality)“It is important to recognize the outstanding innovators committed to ensuring Ontario remains a leader in high performance building. We are proud to acknowledge and celebrate their remarkable achievements,” says McBurney.

The deadline for nominations is Dec. 5, 2014. Winners will be announced at the EQ Awards Gala.

To nominate a builder, evaluator, supplier or even yourself, or to learn more about the EQ Housing Innovation Forum or EQ Awards, visit enerquality.ca

Some categories are free to nominate, and all nominations are complimentary with the purchase of an EQ Awards Gala ticket.

EnerQuality’s mission is to transform Ontario’s housing into the most energy efficient and sustainable in the world. Its programs are voluntary and market-based. They are designed to encourage and support developers, builders and renovators improve building performance and reduce the environmental impact of housing. The company partners with local home builders’ associations, utilities, manufacturers and consultants to bring its programs to market.

040 News EnerQuality_VB-WK.indd 60 12/4/14 12:32 PM


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» by CHUCK RESNICK

//MAKE YOUR MOVE

CHUCK RESNICK is Vice-President,

Marketing and Operations at Two Men and a Truck – Canada

10 THINGS

your mover won’t do When you hire a moving company, it is important to understand what services the firm can and cannot do.Here are 10 common issues that most movers won’t do, or are forbidden to do by law:› Move hazardous materials, containers of fuel and gas-powered items that are not emptied of fuel. This is in accordance with Ontario’s Health and Safety Act and Hazard Materials Act. The law prohibits us from transporting these types of goods. › Move live plants. Many movers, including our company, have their own guidelines about this. Securing plants takes a level of special treatment that we are not prepared to offer. If customers need advice on how to move plants, we can help them find companies that are equipped to do so. In our experience, most customers move plants themselves.› Move animals. This takes special care, and movers are not willing to take responsibility for pets during a move. You are best to arrange for them to be somewhere else on moving day, and then ease them into their new surroundings yourself.› Move personal valuables. It makes sense that small valuables such as jewelry, stocks, bonds and cash are items you want to transport yourself.› Stop the clock because there is a change on your end. We get paid from the time we leave our facility until the time we return. If you change the parameters of your contract or something unexpected happens on your end to cause a delay, the move continues on as planned but will likely extend longer than indicated in the estimate.

› Move items larger than we have the ability to do. When we see items that are too big and bulky for us to handle, we will let you know. Upright pianos, for example, are incredibly heavy and usually require heavy-duty dollies and a truck with a lift gate. We can definitely help you with any size of piano. Massive walls can also present challenges. We can help you find the right firm to move any specialty items, if required.› Provide insurance coverage for items of extraordinary value. Ontario’s Conditions of Carriage requires movers to insure items at least $0.60 per pound. If our coverage does not include antiques or works of art, we can arrange it through our insurer as long as these things are itemized up-front. Your homeowner insurance policy may also have a rider for goods in transit.› Rearrange your furniture. Sometimes people ask us to rearrange their furniture at their destination, which adds to the time estimated for your move. We are happy to provide you with this service, at a cost.› Install major appliances. We are neither plumbers nor electricians. If you require installation of your major appliances, arrange to have those professionals help you during your moving week.› Load pre-packed boxes and items into a U-Haul or storage pod. We do not do “load only moves.” If someone else is driving the vehicle and the goods are not under our control, we can’t take responsibility for the condition of the goods at their final destination.

All of the above help ensure that your possessions arrive at the other end of the move in one piece, with the safety of you, your family and the movers in mind. That’s our job!

When you hire a moving company, it is important to understand what services the firm can and can’t do.

042 Chuck Resnick-10 things a mover won't do_VB-WK.indd 86 12/4/14 12:33 PM


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//COMMUNITY FOCUS

EMPIRE COMMUNITIES… from Niagara to Brantford and Hamilton

A s the excitement of Christmas approaches, it seems like just the time to celebrate the myriad of good things

that have been taking place in some of Empire’s communities across Southwestern Ontario this year.

IMAGINE

What could be more appealing than living minutes from one of the wonders of the world? Or meandering along country roads sampling some of Ontario’s finest wines? Or driving along the Niagara Parkway on a summer’s day? It’s all just minutes from your doorstep when you live at Imagine, Empire’s new master-planned community in Niagara Falls. Launched slightly more than a year ago, and hailed as one of the most significant residential

communities ever introduced in the Niagara Region, Imagine is already home to approximately 100 families from single people, to young couples, to families and also empty nesters with hundreds more set to move in over the next year.

Imagine boasts a range of different living styles, including townhomes as well as small and large single-family detached homes on 30-, 36-, 44- and 46-ft. homesites. The home prices start at just $216,990.

Niagara Falls Mayor Jim Diodati attended the opening of Imagine and commented, “Niagara Falls has been waiting a long time for this community to launch. We are delighted to see that Imagine is being so well received and that it caters to all ages and stages of people’s lives.”

The Imagine Centre is located south of McLeod Road and off Kalar Road. empireimagine.com

WYNDFIELD

Empire’s highly successful master-planned community of Wyndfield has had much to celebrate over the past few months. With the launch of five new

046-047 CF Empire_VB-WK.indd 34 12/4/14 1:47 PM


EMPIRE COMMUNITIES | Multi-site

As the excitement of Christmas approaches, it seems like just the time to celebrate the myriad of good things that have been taking place in some of Empire’s communities across Southwestern Ontario this year.

model homes earlier this year, visitors to the sales office were given a true sense of what living at Wyndfield is all about. Set on the scenic, rolling terrain of southwest Brantford, Wyndfield features beautifully designed townhomes priced from $219,990 and single-detached homes on 30-, 36- and 44-ft. homesites that range from just $269,990 to $469,990. As one of the area’s fastest growing communities, Wyndfield is now home to over 1,500 families and launched Phase 5 just last month.

Wyndfield recently celebrated the milestone of now having 1,000 Energy Star qualified homes, making Empire Communities the largest Energy Star builder in Southwestern Ontario. This milestone in Wyndfield demonstrates the builder’s commitment to their homeowners and the community of Brantford through their high performance and energy-efficient homes.

The Wyndfield presentation centre is located at 309 Blackburn Dr. empirecommunities.com

LUSH AT VICTORY

It was just this past summer that Empire Communities introduced Lush at its popular community of Victory in Upper Stoney Creek. Lush at Victory will feature close to 650 homesites with brand new designs including townhomes starting at $299,990 as well as single-family detached homes on 30- and 36-ft. homesites priced from just $359,990. Located beside Heritage Park, which has a number of sports parks for soccer and baseball, Lush is also next to Ontario’s Bruce Trail with miles of nature trails for outdoor enthusiasts. The community is situated next to Centennial Parkway and minutes from the Red Hill Valley Parkway and QEW for easy access to Toronto, Hamilton and Niagara Falls.

The Lush presentation centre is located at 22 Green Mountain Rd. West. empirelush.com

SUMMERLEA

With 2014 coming to a close and a new year around the corner, Empire Communities and homeowners at Summerlea have lots to be thankful for. Located in the quaint and historic town of Binbrook just minutes from the amenities of downtown Hamilton, Summerlea features charming freehold townhomes starting

at $267,990 and detached homes starting at $299,990 on 30-, 36- and 44-ft. homesites. Outdoor living is a feature attraction at Summerlea with all the benefits of country living and the advantages of a big city close by. Homeowners can explore the Lake Niapenco reservoir; hike the Binbrook Conservation Area or golf at world-class courses.

The Summerlea sales office is located at 3 Binhaven Blvd. empirecommunities.com

046-047 CF Empire_VB-WK.indd 35 12/4/14 1:48 PM


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NEW HOME?It’s only a tap away.

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CHIPPAWA/NIAGARALYON’S CREEKNEW 36’ Singles and 36’ Wide Freehold Towns from $314,990 Condominium Towns Coming Early 2015

THOROLDGIBSON HEIGHTS45’, 36’ Singles, 30’ Attached Singles & Freehold Towns from $291,990 Move in Ready Inventory Homes Available

STONEY CREEKON THE RIDGESemi Detached Homes from $354,990 40’ & 35’ Singles from $464,990

WATERDOWNWATERDOWN MEADOWS35’ Singles from $474,990

Seek haven from the common, the average, the oh-so-typical, the middle-of-the-road, the run-of-the-mill, the good-enough. At Rosehaven, we will never be satisfied with anything less than the exceptional. Because we know you won’t.

HA•VEN: A PLACE OF SAFETY OR REFUGE

For directions, maps hours and community information call our hotline (1-888/416) 410-0175

Prices and specifications correct at press time. Photo is of actual Roseahven Home. E. & O.E.

The Welland - Lyon’s Creek, Chippawa

Visit RosehavenHomes.com

HA•VEN: A PLACE OF SAFETY OR REFUGE

Seek haven from the ordinary

49

In Southwestern Ontario, the options for location and home type are plentiful, given the variety of markets that comprise the region.

Indeed, the beauty of this area is that it’s made up of so many different locales – from Hamilton to London to Kitchener-Waterloo to Niagara. Though all combine to make up part of the “Ontario” market, which is part of the “Canadian” market, they are all very individual markets, with distinct local economies, employment pictures and other important influences.

One of the characteristic differences of SWO over the GTA, for example, is the region’s heavier reliance on a manufacturing economy. As the U.S. recovery strengthens into 2015, Southwestern Ontario is expected to be among the chief beneficiaries.

And, of course, SWO also has the benefit of lower average home prices. In Hamilton, for example, average prices are about $150,000 lower than in Toronto.

SOUTHWESTERN ONTARIO’S

Opportunities abound in

varied markets

CITY FOCUS//

» by WAYNE KARL

KW AT A GLANCEPOPULATION 220,000MAJOR EMPLOYERS Advanced manufacturing, education, technology sectorsAVERAGE HOME PRICES

Oct. 2014: $330,121 Oct. 2013: $312,395

DISTANCE FROM TORONTO 91 kilometres

050-053 City Focus SWO-WK.indd 61 12/4/14 2:18 PM


HAMILTON AT A GLANCEPOPULATION 692,000, metro areaMAJOR POST-SECONDARY INSTITUTIONS McMaster University, Brock University, Mohawk CollegeNUMBER OF PUBLIC AND CATHOLIC SCHOOLS 180MAJOR EMPLOYERS Health services, manufacturing, government, education sectorsAVERAGE HOME PRICES

Oct. 2014: $420,000 Oct. 2013: $360,000

DISTANCE FROM TORONTO 70 kilometres, 45 minutes

Here is a look at some of the key markets, highlights and opportunities in Southwestern Ontario.

KITCHENER-WATERLOOKitchener-Waterloo may have once been best known as the home of Kitchener-

Waterloo Oktoberfest, meat processor Schneider Foods and the Ontario Hockey League’s Kitchener Rangers. But while rich in German heritage and other culture, the town of about 220,000 has more recently gained a reputation more for high technology than pork sausage and beer-inspired oompahs.

In fact, this vibrant community located in the Region of Waterloo in the heart of Southwestern Ontario, help form the three point-towns that make up “Canada’s Technology Triangle.” Kitchener-Waterloo and Cambridge today comprise one of Canada’s most diverse economies, evolving from a reliance on manufacturing into a balanced economy that crosses many sectors. Today, the area boasts a thriving advanced technology sector and a highly skilled workforce in the IT, automotive, business and financial services sectors.

Complementing these strengths is a naturally advantageous location off Hwy. 401, close to major Canadian cities Toronto and Hamilton, as well as to entry points to the US at Michigan and New York.

All of this has the region poised for long-term economic health. Employment and population growth, two key factors in housing demand, are both doing well in the area, though they are not without their challenges in the short term.

The KW region has experienced a shift in the new home construction market from single-detached homes to condos, and demographic changes will support this continuing trend, according to CMHC.

“Housing demand in 2015 will be supported by in-migration and job growth. In the longer term, as baby boomers age, the trend to smaller households will support the shift to higher density housing,” says Erica McLerie, CMHC’s senior market analyst for Waterloo Region.

For prospective homebuying, KW-Cambridge is ranked as the number two investment area in Ontario between 2013 and 2018, according to the Real Estate Investment Network (REIN). In addition to the strong economy, a commitment to infrastructure improvements and transportation projects will help drive the economy and real estate market in this area, the group says.

Builders seem to agree, as all of Branthaven Homes, Dunsire Developments, Empire Communities, Eastforest Homes, Fusion Homes, Laurel View Homes, Losani Homes,

Monarch Corporation, Reid’s Heritage Homes, Terra View Homes, Kenmore Homes and Andrin Homes have developments underway in Kitchener, while Haastown Holdings and other companies are building in Cambridge.

HAMILTONHamilton may be only less than an

hour’s drive west along the Queen Elizabeth Way, but it has long lived in the shadows of its big city neighbour Toronto.

Long known as Steeltown, Hamilton has undergone a fundamental transformation that has the city poised for long-term prosperity.

For homebuyers considering purchasing in the area, there are good


51

reasons to consider Hamilton. The city has been cited as among Canada’s most welcoming areas, particularly for first-time buyers.

REIN, for example, has named Hamilton as the top real estate investment town in all of Ontario through to 2018. Continuing diversification of the city’s economy, coupled with increased accessibility provided by the transportation improvements, provides a strong economic base, the group says. In a few short years, Hamilton’s economy will be unrecognizable compared to past decades.

In recent years, Hamilton has seen significant expansion in sectors such as health care and post-secondary education, offsetting a historical reliance on steel manufacturing. Indeed, Hamilton’s economy today is much more diversified than the Hammer of old.

Housing demand in Hamilton is to remain stable, as improving economic conditions and higher net migration will support demand in the area. Gradual improvement in job and income growth, combined with modest price increases, should support Hamilton resale activity, CMHC says.

Developers see this potential and a number of new projects are underway from all of Losani Homes, Empire Communities, Multi-Area Developments, New Horizon Homes, Spallacci Homes and Country Green Homes, with many aimed at first-time buyers and priced accordingly.

OAKVILLE Oakville may be historically known for the famous Ford plant, oil refineries along

the lakeshore and up-market homes, shops and restaurants. These days, Oakville may still show some of those classic characteristics, but it is increasingly earning a reputation as a city on the rise with a self-sufficient, driving economy.

Blessed with a strong natural location along of the shores of Lake Ontario, with easy access to major Canadian cities as well as those in the U.S. via the QEW and rail

OAKVILLE AT A GLANCEPOPULATION 165,000MAJOR EMPLOYERS Automotive, technology, pharmaceutical, constructionAVERAGE HOME PRICES

Oct. 2014: $645,000 Oct. 2013: $580,000

lines, Oakville now shines in business as well as culture, recreation and leisure.

With a vision to become “the most livable town in Canada,” the Town of Oakville is intent on building a robust economy with potential for future growth, and the local economic development authority has a comprehensive plan to capitalize on traditional strengths.

Oakville Town Council, in fact, recently won an Economic Developers Council of Ontario (EDCO) award in the category of Redevelopment Initiatives, for its leadership in developing the Bronte Business Action Plan. The Bronte Business Action Plan, led by the town’s Economic Development department, was initiated to further Bronte’s economic development and urban revitalization. The Bronte BIA will implement the action plan from 2013 through 2016.

A strong and diversified economic base offers an excellent location for both new and expanding businesses. More than 260 national and international corporate headquarters constitute an important part of the 4,500 employers in Oakville. Oakville’s top 100 employers by industry include companies from the automotive, manufacturing, pharmaceutical, professional service and construction industries.

While manufacturing industries account for 15 per cent of employment, managerial, business and administrative categories make up 36 per cent of occupations. A number of new businesses have also made their way to Oakville, bringing more than 650 new jobs and absorbing more than 411,000 sq. ft. of commercial and industrial facilities.

Supporting all this development is a strong and further improving transportation infrastructure. Prime


BURLINGTON AT A GLANCE

POPULATION 175,000MAJOR EMPLOYERS Sales and service, business finance administration, management, trades and transport sectors AVERAGE HOME PRICES

Oct. 2014: $420,000 Oct. 2013: $360,000

location at the centre of major transportation routes – the QEW and Hwys. 403 and 407 – facilitates access to major markets in Canada and the US. The network includes toll and toll-free expressways, commuter and urban public transit, by rail and bus, national and international rail service for people and goods, global passenger and cargo aviation services, and extensive inland and international marine shipping facilities.

Developers see the growth potential in Oakville, and a number of projects are underway from companies such as Fernbrook Homes and Menkes Developments. And in nearby Hamilton, DiCenzo Homes, Multi Area Developments and New Horizon Homes have new openings, while in Burlington, Davies Smith Developments is also building. This means plenty of new-home shopping options for prospective buyers.

BURLINGTONTen years or so ago, if you were asked to

describe Burlington, you might have thought

of it as just west of Oakville, lots of land space, a bit of a bedroom community between Toronto and Hamilton.

Burlington still shows those characteristics, but is increasingly earning a reputation as a city on the rise, with a progressive local government and economic development office helping to build a self-sufficient economy. Burlington shines in business as well as culture, recreation and leisure.

Like Oakville, Burlington’s proximity to Hamilton, the GTA and the U.S. is central to its prosperity.

The city has a clear vision of its future. Core economic strengths focus on advanced manufacturing, software development, financial services, biotechnology, environmental and logistics enterprises. Increasing diversity is one of the keys to future growth, as this would build resilience and sustainability to expand further beyond its traditional industrial markets.

Mayor Rick Goldring says the Burlington Economic Development Corp. is one of the city’s top priorities. City Council has endorsed aggressive growth targets and has formally asked BEDC to take a more direct and active role in the short- and long-term development and marketing of Burlington.

Already well positioned with extensive access to regional, national and international transportation networks, the city is also the beneficiary of recent investments in infrastructure to improve highways and mass transit, to facilitate business growth and community development.

Currently in Burlington, a disparity exists between local jobs and the skill-set of residents, says BEDC. Residents have to commute outside the city to find work, particularly in professional services. As a result, approximately 55 per cent of Burlington residents commute to jobs in Oakville, Mississauga and Toronto. In the manufacturing industry, the opposite occurs, as Burlington imports labour from outside the city.

All of this is important news for prospective new-home buyers looking to buy in and around Burlington. These plans mean more local job opportunities, which leads to employment and average wage growth – key determining factors to support new housing and increasing real estate values.

Developers catering to this demand include: Branthaven Homes, with two- and three-storey luxury townhomes in downtown Burlington; Tobyn Park Homes, which is building ParkCity, a condominium also in the downtown area; and Adi Development Group is building Mod’rn Condominium, in the heart of the city.



//IN THE NEWS

Outstanding response to Fusion Homes’

GRAND OPENING OF THE METALWORKSFusion Homes’ recent Grand Opening for The Metalworks, Guelph’s new urban village, met with overwhelming customer response, with more than 250 people visiting on opening day. Doors opened at 8:15 a.m. to accommodate those who had camped out overnight and lined up early to get first choice of suites. The line-up continued outside the office and remained constant throughout the morning. By early afternoon, the phase one tower was 50 per cent sold. Pricing of the tower suites started from the $190’s.

The newly constructed sales office located at 5 Arthur St. S. was built with the use of salvaged materials from the site, demonstrating its historic past. Interested purchasers gathered around the seven-ft. scale model of The Metalworks development, which is situated between the Speed River with a 50-ft. wide River Walk and Arthur Street.

The development will comprise five phases, with phase one consisting of 114 suites and five penthouse units in the 10-storey tower, and 14 townhouses. Of those townhouses, six of them will be overlooking the Speed River and be known as the River Lofts. The townhouses and penthouses are expected to be released in February 2015. The move-in date for phase one is expected to be late 2016.

The Metalworks development has garnered more interest than any other development Fusion Homes has had in the past. The nearly $300-million, eight-acre, five-phase master-planned development is situated in historic downtown Guelph. The 600-plus units at this transit-friendly, environmentally sensitive urban village will be built over a five- to 10-year horizon. Outstanding

features of this new community include: the revitalization of the former industrial lands once owned by W.C. Wood Company Ltd., a freezer manufacturer, to create a vibrant new live/work downtown destination; over 2.5 acres of the site dedicated to new greenspace; a 50-ft. wide River Walk enhancing connectivity to the Speed River; and up to 30,000 sq. ft. of proposed retail/commercial space. Phase one will be completed with more than 2,500 sq. ft. of inspired indoor residential amenities, complete with a state of the art fitness centre, a stylish entertainment room open to a courtyard with barbecue area, a welcoming lobby and pet spa. The vision for the development is a self-sustained village with restaurants and shops. This historic site at 5 Arthur St. S. is steps away from where the city was founded, and once housed a grist mill, a distillery and foundries. Now, this once prolific site of industry will be transformed into a dynamic community filled with culture and creativity.

The architecture of the original heritage building will meld with the sleek modern simplicity of stylish condos and townhomes. It’s a unique urban lifestyle – right in the heart of the city. Like The Metalworks at 5 Arthur St. S., Fusion Homes has a long and proud history.

Years ago, Chief Executive Officer Lee Piccoli founded Fusion Homes to offer the highest levels of service, reliability and integrity. In a booming industry of cost competitors, his vision of building superior homes without sacrificing quality or service stood out. It’s these values that have helped Fusion grow into the leader it is today. o date, Fusion Homes has built thousands of homes in five cities throughout Ontario, and has earned an unprecedented five Tarion Awards of Excellence for Customer Satisfaction.

Fusion Homes goes above and beyond for each and every client, which means making sure each step of the home building process is as stress-free, transparent and simple as possible. While the company hangs their hat on personalized service, they also know it is important to understand the bigger picture. This has never been more relevant than at 5 Arthur St. S. It’s a historic site Guelph holds close to its heart, so extra care has been taken to collaborate with the community and the City of Guelph to develop a vision that pays homage to its history while building an amazing future.

For more information on The Metalworks, visit themetalworks.ca

054 News Fusion_VB-WK.indd 44 12/4/14 12:36 PM


PREVIEW REGISTRATIONTHE TRICAR GROUP Guelph | River Mill Condominiums Condominiums from 805 to 2,415 sq. ft. from the mid $200’s. tricar.com

DUNSIRE DEVELOPMENTS Guelph | White Cedar Estates A private collection of bungalows with lofts on 50-ft. lots, backing onto natural greenspace. whitecedarestates.com

FUSION HOMES Guelph | The Metalworks Coming this fall – a new urban village of townhomes and highrise condos on a historic site in downtown Guelph. themetalworks.ca

GEMINI HOMES Guelph | Clair Road Register for more information on this highly desired location in south Guelph. geminihomes.ca

FUSION HOMES Guelph | Natura Register now for priority preview of this collection of townhomes surrounded by woodlands behind Eastview Road. fusionhomes.com

NEW OPENINGSMACPHERSON BUILDERS Fergus | Strathlea Fergus Single-family homes from the mid $300’s, minutes from downtown Fergus, with a new park coming soon. mystrathlea.com

CLAYSAM HOMES Elmira | Elmira Country Club Estates Master-planned community of towns, semis and singles from $256,900. claysamhomes.com

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

HALTON HILLS WELLINGTON WATERLOO

ALMAAAYRCAMBRIDGEELORAFERGUSGEORGETOWNGUELPHKITCHENERROCKWOODWATERLOO

GEMINI HOMES Guelph | The Highlands Model homes now open for these semis and towns from the low $300’s in east Guelph. geminihomes.ca

REID’S HERITAGE HOMES Guelph | Alive Now open – three- and four-bedroom freehold and condominium townhomes starting from the $300,000s. reidsheritagehomes.com

REID’S HERITAGE HOMES Kitchener | Williamsburg Walk Now open – midrise urban condominiums starting from the low $200’s. reidsheritagehomes.com

NEW RELEASESMENKES Georgetown | The Enclaves of Upper Canada New release, the 40-ft. Enclaves Collection, near downtown Georgetown and conservation lands. menkes.com

REID’S HERITAGE HOMES Kitchener | The Oaks New 56-suite condominium. Offering a great selection of floorplans that suit a variety of budgets and lifestyles in an established community. reidsheritagehomes.com

REID’S HERITAGE HOMES Fergus | Westminster Highlands Master-planned community in Fergus. Choose from a variety of single-detached homes, bungalow, two-storey and executive townhomes, and midrise condos – close to amenities and trails. reidsheritagehomes.com

New Home WATCH

055-Sneak Previews WATERLOO_VB.indd 19 12/4/14 1:45 PM


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Baden EASTFOREST HOMES Baden Country Estates • from $389,990 59

Cambridge EASTFOREST HOMES Carriage Lanes • from $274,990 59

Fergus REIDS HERITAGE HOMES Westminster Highlands • from $184,900 69

Georgetown MENKES The Enclaves of Upper Canada • • from mid $700's 28

Guelph REIDS HERITAGE HOMES ALIVE • • from low $300's 71

Guelph TRICAR GROUP River Mill Condominiums • from mid $200's 61

Kitchener BRANTHAVEN Nestings • • from the $400's 13

Kitchener EASTFOREST HOMES Woodhaven South • from $280,990 59

Kitchener EASTFOREST HOMES Huron Point • from $219,990 59

Kitchener EASTFOREST HOMES Destination Doon • from $359,990 59

Kitchener EASTFOREST HOMES Doon South • from $369,990 59

Kitchener EASTFOREST HOMES Eby Estates • from $289,990 59

Kitchener EASTFOREST HOMES Grasslands Townhomes • from $292,990 59

Kitchener EASTFOREST HOMES Grasslands Singles • from $429,990 59

Kitchener EASTFOREST HOMES Huron Landing/Four Winds • from $177,990 59

Kitchener EASTFOREST HOMES Huron Village • from $409,990 59

Kitchener LOSANI HOMES Victoria Common • from mid $200's 85

Kitchener LOSANI HOMES Doon Creek • from low $300's 85

Kitchener MATTAMY HOMES Wildflowers • • from $233,990 6

Kitchener MONARCH Topper Woods • from $447,990 44&45

Kitchener REID'S HERITAGE HOMES Williamsburg Walk • • from low $200's BC

Kitchener TERRA VIEW HOMES Edgewater Estates • from low $400's 67

Kitchener WILLIAMSBURG HOMES Eby Estates • from $352,900 65

Waterloo COOK HOMES The Village in Beechwood West • • from low $500's 63

Waterloo EASTFOREST HOMES Vista Hills • • from $354,990 59

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//IN THE NEWS

CANADIANS MAKING SMARTER

mortgage decisionsFirst-time homebuyers on average make a 21-per-cent down payment on the purchase of their new home; since the 1990s, about 40 per cent of this has come from personal savings, suggesting Canadians wait to be financially stable before purchasing. But recently, as home prices have risen, 17 per cent of the down payment has come from family gifts or loans, a higher number than in previous years. These are just some of the facts found in the Annual State of the Residential Mortgage Market in Canada, the latest consumer survey report released recently by the Canadian Association of Accredited Mortgage Professionals (CAAMP).

The report probes into how Canadians are managing their mortgage debt. In this low interest-rate environment, they continue to aggressively pay down their mortgages even though most renewing their mortgages are going to find interest rates unchanged or lower than their current rates.

Questions related to why people do not own a home produced interesting results: the majority of people age 18 to 34 indicated they were waiting for prices to fall and savings to increase. At the other end of the age spectrum, more than two-thirds of those over age 55 said they were renting because it was a better option for them.

SURVEY SAYS…› 425,000 live in homes that they purchased during 2014. The average price was just over $400,000, for a total value of $173 billion.

› 125,000 Canadian homeowners fully repaid their mortgages during 2014. A further 50,000 to 75,000 expect to fully

repay their mortgage before the end of 2014. In combination, about 190,000 mortgages will have been fully repaid this year.

› 900,000 current mortgage holders made lump-sum payments in 2014 totaling $16 billion.

› Among the 190,000 to 200,000 Canadians who have repaid (or are expected to repay) their mortgages during 2014, lump-sum payments total about $5 billion.

› 900,000 mortgage holders voluntarily increased their regular payments in 2014, by amounts that equate to more than $3 billion per year.

› The average mortgage interest rate is 3.24 per cent, identical to the rate found in the spring survey and down from the average 3.5 per cent found in the fall 2013 survey.

› Canadian home equity amounts to 74 per cent of the value of their homes; more than 85 per cent have 25 per cent or higher.

› 11 per cent of homeowners used their home equity for debt consolidation and repayment, renovations, investments, purchases, including education, and “other.”

“Overall, the CAAMP fall report paints a picture of homeowners, whether just starting out on their ownership journey or long-time mortgage holders, as remarkably confident,” says Jim Murphy, accredited mortgage professional, and president and CEO of CAAMP. “They wait until they are financially stable before buying, and they take advantage of low interest rates to aggressively reduce their mortgage debt. Home ownership continues to be an important anchor for the Canadian economy.”

For more information, visit caamp.org

058 News-CAAMP Mortgage Survey Nov 2014_VB-WK.indd 44 12/4/14 12:38 PM


SMART LED LIGHTING MONTHLY PROMOTIONS HOLIDAY LIGHTING READY

UP TO $10,000 INCENTIVES

GREAT RESALE VALUE FREE APPLIANCES HEALTHIER LIVING

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WHY CHOOSE AN EASTFOREST HOME?

In An Eastforest Home!Start �eNew Year

Andover Trails Quads | TownhomesStarting from$199,9903041 Springmeadow RoadLondon | 519-204-3079

Baden Country EstatesSingle DetachedStarting from$389,99061 Michael Myers RoadBaden | 519-634-1166

Carriage LanesTownhomesStarting from$274,99079-750 Lawrence StreetCambridge | 519-219-0399

Destination DoonSingle DetachedStarting from$359,990330 Thomas Slee DriveKitchener | 519-208-2766

Doon SouthSingle DetachedStarting from$369,990330 Thomas Slee DriveKitchener | 519-208-2766

Eby EstatesSingle Detached | TownhomesStarting from$289,9908 Isaiah DriveKitchener | 226-647-0346

Grasslands TownhomesTownhomesStarting from$292,99089 Meadowridge StreetKitchener | 226-647-3053

Grasslands SinglesSingle DetachedStarting from$429,990330 Thomas Slee DriveKitchener | 519-208-2766

Grandville ParisSingle DetachedStarting from$409,990155 Grandville CircleParis | 519-442-9674

Woodhaven SouthTownhomesStarting from$280,9901989 Ottawa Street Siuth Kitchener | 226-647-0445

Huron Landing/Four WindsQuads | Stacked TownhomesStarting from$177,9901662 Fisher-Hallman RoadKitchener | 519-585-2222

Huron VillageSingle DetachedStarting from$409,990377 Woodbine AvenueKitchener | 519-585-0253

Huron PointOctominiumsStarting from$219,990255 Maitland Street, Unit 4HKitchener | 226-647-0386

Vista HillsSingle Detached | TownhomesStarting from$354,990239 Buttonbush StreetWaterloo | 226-647-1447

Woodway TrailsSingle Detached | SemisStarting from$209,99048 Trillium WaySimcoe | 519-428-1408

When you buy an Eastforest Home you get proven quality, exceptional comfort, a more enjoyable and healthier living space, 20% MORE energy efficient home and 20% MORE savings to you!

eastforesthomes.comLET’S TALK nOW!

Prices correct at press time. Pictures are for illustration purposes only. Promotions available on new construction only. See

Sales Representative for details. Broker protected. E. & O. E. December 2014


» by KAREN KESSEL

//EXPERT ADVICE

KAREN KESSELis the Broker of Record for Planet Realty Inc.,

Brokerage, servicing the Guelph and surrounding areas of South Western

Ontario. If you have any questions for Karen you can reach her by email at

karen@planetrealty or visit planetrealty.ca

Homebuying wish list needs to match your budget

Making a list and checking it twice? If you’re looking at buying a new home in the new year, making your wish list is a priority.

If this is your first home, or even your move-up home, chances are you aren’t going to be here forever. Today, the average family’s home needs change every five to seven years. They need to downsize, move to another city, add square footage, address health problems or sell because of financial needs. Planning for today is much easier than looking into a crystal ball for five, 10 or 15 years down the… driveway.

Make your wish list and include size, location, features, housing type, bedrooms and bathrooms. If this is your starter home, the list is going to differ from growing families and those looking for their retirement haven. Determine what is a must-have and what is a should-have. Must haves are essentials. If you’re expecting a child, a two-bedroom home is a must-have. A should-have is not essential meaning a third bedroom is not a necessity, unless grandma will be moving in to help look after the new baby. A clean, functional kitchen is a must-have and may have to suffice in place of a gourmet kitchen with double ovens, granite counters and massive breakfast bar.

SIZEThree bedrooms is the ideal. But is it? Instead of a bedroom, can the office be a corner of the family room. Today, we’ve got laptops and wireless printers so much less space is required than in the desktop monitor/fax machine/printer world of a decade ago. Are you in business or is it possible to simply have a desk for bill-paying and web surfing as part of the kitchen. Can that second or third bedroom office also double as a guest room with foldout sofa? There are plenty of furniture options that work as bookshelf/desk along with drawers for bedding and overnight guests.

THE WORKS!If this is your very first home, you may be one or two home purchases and moves away from your “dream home.” If you’re looking for everything on your wish list: walk-in closet, ensuite bath, finished basement… that’s going to add

to the price. Can you live with just one bathroom, or a bathroom and powder room? Save the dream ensuite for the next home. Walk-in closets are wonderful, but they take away precious space from other bedrooms. Keep that on the wish list for the next house. An upper laundry is also convenient but doing laundry in the basement is a small price to pay until you move on in the housing market.

HOUSE OR CONDOYou may be thinking about a house, but have you considered a condo? Something with a view and great amenities could come in under budget versus a detached home. A condo or townhome is a nice compromise for a few years.

LOCATION, LOCATION, LOCATIONOnce you determine what you can afford and what you need, location will totally change that. That is, if you are looking in the trendiest part of town, it will certainly show an increase in price. You can live in a slightly less desirable neighborhood, but you can’t live in a house you can’t afford. If you can identify an up and coming area, you have the potential for some wealth building. As well as building equity, your home will increase in value as others catch on to what you already know. Their demand will cause prices to rise.

So make a list, include all your dream features, and then prioritize what you really need for today to meet your budget and your needs.

060 Column Advice Karen Kessel_VB-WK.indd 58 12/4/14 12:40 PM


We are honoured to be the recipient of this year’s Tarion High-Rise Builder of the Year Award as voted by our homeowners. Thank you! Dedication to customer service is at the forefront of what we do and we want your experience with us to be nothing less than exceptional. Choose Tricar as the builder of your next condominium home and experience first hand why we have been a trusted builder for almost 30 years and the first Southwestern Ontario Builder to win this coveted award.

Learn more at tricar.com

BUY A LUXURY CONDOMINIUM FROM ONTARIO’S BUILDER OF CHOICE CURRENTLY IN

PRESENTATION CENTRE NOW OPEN

AT SUNNINGDALE AND RICHMOND FROM THE MID $200’S

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CMYK

REVERSE

BLACK AND WHITE

Bembo Semibold

PRESENTATION CENTRE NOW OPEN

IN THE OLD QUEBEC STREET MALL FROM THE MID $200’S

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The colours, patterns, materials and textures in a space create impact and can enhance the feel of any room. To add visual interest and achieve an inviting atmosphere, consider combining these elements to achieve a well-balanced space.

When deciding on the colour palette, start with a piece of wall art you really love, or a rug or chair that has a beautiful colour, and seek inspiration from it. Find patterns and prints that embody your focal point piece, or that complement it in colour and style. This will ensure you love the space you design.

THINK IN THREES. Incorporate an odd number of patterns into a room’s design, using a minimum of three, and focus on their scale and colour when combining them.

The first pattern should be a large, dominant one. Next, select a fabric with pattern that includes similar

//STYLE FILE

» by BLIMA EHRENTREU

MIXING IT UP

colours, but is smaller in print size. The third pattern needs to unite the first two, either through colour or print. Try three patterns, in a range of scales, such as a bold floral, a wide stripe, and a small geometric. The more variety of scale in your patterns, the more comfortable and welcoming the space will feel. PRINT, COLOUR, REPEAT. Try repeating colours from pattern to pattern as well as in other parts of the room. This creates continuity in the space and enhances the overall look. It is best to accentuate underplayed, shared colours in different prints. If you use one pattern, such as a geometric, repeat it somewhere else in the room, even if the colour and scale change. Choose prints that have a monochromatic design and that do not compete visually with the bold colours around it.

...continued on pg 64

062-064 Style File-Mix it up_VB-WK.indd 74 12/4/14 12:44 PM


Purchase the McCrae Park villa, recent winner of Most Outstanding Low Rise Multi-Unit Design over 2000 sq. ft, in the established community of Beechwood West and receive $15,000 in free

upgrades until December 31st!

Only a limited number of McCrae Park 2-storey town villas, including our Model Home, and one bungalow remain in the Final Phase of this established West Waterloo community, act now!

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MODEL HOME OPEN TO VIEW AT 435 WINCHESTER DR. WATERLOO.

Take the 401 to 7/8 West, exit at Fischer-Hallman, cross Erb St. and turn left onto Winchester Drive.

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63

BLIMA EHRENTREU is a Toronto-based accredited interior

designer and principal of TheDesigners. TheDesigners is a boutique interior

design firm founded by designers Blima

Ehrentreu and Adina Hofstedter. The firm is dedicated to designing

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SIZE MATTERS. Often, a large-scale print can be too big for a pillow or for a small room, so be sure to select a print that works well with the space. Using a large print on an area rug is a great way to add pattern to any room, while not overwhelming the space. Using large, bold patterns help in visually enlarging the room. The larger the pattern, the bigger the room can appear. STYLE MATTERS. For a modern, clean look, stick to geometric patterns and straight lines. It is okay to mix different geometric patterns, as long as their sizes and colours vary. I like to add different textures to a space because it helps mix up patterns

5 simple tips to playing up patterns

›› Play with pattern size: offset a small-scale pattern with a large-scale one nearby

›› Repeat colours in patterns

›› Break up colours with neutral tones

›› Use texture to blend patterns together

›› Always remember: less is more

and brings life to a room. For a more traditional look, select patterns that have more curvature and floral prints. Too much of one colour, pattern or texture in a room can look overwhelmingly busy. The trick is to blend patterns well. SOLID FUNDAMENTALS. Whether designing a more contemporary or traditional space, always include solids when mixing prints, to balance out the patterns. Solids add a sense of calm to any space. Always include solids in a room with a bold colour palette or strong features. Great patterns stand out brighter in a room where the eye has a place to rest, such as a solid chair or a neutral wall. Using varying shades of chocolate brown, grays, white and beige can mix and match patterns easily because the outcome is a mixture of varying levels of impact.

//STYLE FILE...continued

062-064 Style File-Mix it up_VB-WK.indd 78 12/4/14 12:44 PM


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30’, 36’ and 40’ lots. From $352,900*

• Beautiful Architecturally Distinct Heritage Homes• Well-loved almost complete neighbourhood• Quiet and peaceful winding streetscape• Exceptional Energy Star neighbourhood

*Prices and specifications subject to change. See sales representatives for more details. | ENERGY STAR® is administered and promoted in Canada by Natural Resources Canada. Used with permission. Dec. 2014.

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Chinese home and condo buyers and investors now have a new comprehensive, full gloss real estate magazine to inform and guide them through the buying process in the Greater Toronto Area.

Launched in 2012, the Chinese New Home and Condo shopper and investor will have a valuable newresource to help inform and guide them through the newest communitiesin the Greater Toronto Area.

Pick Up Your Copy Today or call usfor a free copy at 416.626.4889!

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FEATURED PLAN | the CRANSTON | 1006 SQ.FT.

Open-concept main living space. Great for entertaining.

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Renderings are artist’s concept of the completed buildings and are subject to change. *Based on $184,900 with 25% down, 3.59% 25-year mortgage paid monthly. Includes monthly condominium fees. **Prices subject to change. E. & O. E. See a sales consultant for more information.

Renderings are artist’s concept of the completed buildings and are subject to change. *Based on $184,900 with 25% down, 3.59% 25-year mortgage paid monthly. Includes monthly condominium fees. **Prices subject to change. E. & O. E. Renderings are artist’s concept of the completed buildings and are subject to change. *Based on $184,900 with 25% down, 3.59% 25-year mortgage paid monthly. Includes monthly condominium fees. **Prices subject to change. E. & O. E. Renderings are artist’s concept of the completed buildings and are subject to change. *Based on $184,900 with 25% down, 3.59% 25-year mortgage paid monthly. Includes monthly condominium fees. **Prices subject to change. E. & O. E. Renderings are artist’s concept of the completed buildings and are subject to change. *Based on $184,900 with 25% down, 3.59% 25-year mortgage paid monthly. Includes monthly condominium fees. **Prices subject to change. E. & O. E. See a sales consultant for more information.

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2014The Only Complete Resource Directory of Southwestern Ontario Home Builders

2014DISCOVER SWO’s top builders & developersone success story at a time

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SWO ANNUAL 2014.indd 1 3/19/14 2:29 PM

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THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME

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FALL 2014 EDITION FREE

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getting organized, visit weorganizeu.com and

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» by HELLEN BUTTIGIEG

OVERJOYED, NOT OVERWHELMED:

Holidays without hassle

The holidays are a wonderful opportunity to see old friends, enjoy time with family, celebrate the events of the year past and dream about the year approaching. But it’s also hectic

– with shopping, wrapping, travelling, entertaining and cleaning up after it all. The worst thing that can happen is to wish it all away, thinking you’ll be happy when it’s all over. It’s a lot of work, but the little things that help keep you organized – and sane – will put the pleasure and joy back in this time of year.

QUICK TIPS ON ORGANIZING YOUR HOME ›› Create a gift-wrapping zone. Save time and make wrapping presents a pleasure by transforming a spare room (or part of a room) into a gift-wrapping centre for the holidays. Set up a table or use a rolling cart to put out your supplies (gift wrap, scissors, tape, pen, cards, bows) and keep everything you need in one place. Create the right atmosphere by adding some festive music, a scented candle and a cup of hot chocolate to get you into the holiday spirit.›› Store items near their point of use. Save steps and precious time by storing things close to where you use them. For example, save yourself a trip up the stairs to the linen closet by keeping your tablecloths in a drawer, cupboard or chest in the dining room. It makes entertaining a breeze! ›› Re-purpose your gift-wrap tubes. Use your empty gift-wrap tubes to store mini-lights. Put a slit in each side of the tube. Insert the plug at one end and wrap the cord all the way around the tube, tucking the bottom of the light strand in the slit at the other end. Store the tubes in a garment bag hanging from a hook in the closet.›› Run errands efficiently. Keep a collapsible crate in the trunk of your car for easily transporting items to a dinner party or for things to return like library books or store-bought items

Shopping, wrapping, travelling, entertaining, the clean up – the worst thing you can do is wish it all away, thinking you’ll be happy when it’s all over. Holidays are a lot of work, but the little things that help keep you organized – and sane – will put the pleasure and joy back in this time of year.

074-075 Hellen Buttigieg-Holiday without hassle_VB-WK.indd 90 12/4/14 12:25 PM


OVERJOYED, NOT OVERWHELMED:

Holidays without hassle

you want to take back. It folds out of the way quickly when not in use.›› Get unplugged to create more time over the holidays. Do you feel like there’s so much to do and so little time? Challenge yourself to unplug the TV for one full week and notice how much more you can do in all the free time you’ll have.›› Let go of the excess – you don’t have to keep decorations forever! When you are unpacking your holiday decorations, consider letting go of the items you no longer enjoy looking at. Our tastes change and styles come and go. There’s no rule that says you have to keep every decoration forever – especially that tacky plastic flower arrangement your ex-mother-in-law gave you 20 years ago! Give some away to charity, or if you have family or friends who have recently moved into their own place, ask if they’d like to have them until they accumulate their own collection.›› Gift certificate? What gift certificate? Gift certificates are easy to give and great to receive, but are often lost and forgotten until they expire. Keep your gift certificates in an envelope in your purse or your car and put a reminder on your calendar one week before the expiry date so you can use and enjoy them.›› Return items in a timely fashion to save money and space. Whether it is buyer’s remorse or dissatisfaction with

an item after we’ve brought it home, we all have things to return to the stores at some point – especially after the holidays. A problem arises when these “to be returned” items accumulate in every part of our home and we forget we have them. Most store return policies allow only seven to 14 days for a full refund. To recoup money and reclaim space, designate a small area (preferably near the exit) to place things that are on their way out. A box or basket may be helpful if you have several items. Tape the receipts to the purchases and schedule a time in your planner to take them back before it is too late.›› Pay yourself first. Block time now to give yourself a break later. Choose a day (or at least half a day) during the holidays to do what’s fun for you. You can spend it skating, relaxing at the spa, or taking in a movie. The important thing is that you feel renewed and refreshed because you gave the gift of pleasure and relaxation to yourself.

QUICK TIPS ON ORGANIZING YOUR HOME OFFICE›› Send greetings without grief. Do you love sending holiday greetings but don’t enjoy wasting time addressing the envelopes? Easily create address labels on your computer for your cards using MS Word. For a special touch, use a font that resembles handwriting (such as Lucinda Calligraphy). Save the document and you can pull it up every year, make any changes and print it on adhesive mailing label sheets. Better yet, send electronic greetings and you’ll reduce clutter while saving time, money and the environment.

QUICK TIPS ON ORGANIZING YOUR LIFE›› Avoid holiday overload. Limit social engagements to only those you truly want to attend. Book some downtime between social events so you don’t feel overextended. Schedule only 75 per cent of your day to allow for traffic delays, long line-ups and other unexpected occurrences.

074-075 Hellen Buttigieg-Holiday without hassle_VB-WK.indd 91 12/4/14 12:25 PM


Get your copy now!416.626.4889

Fall issue available.

luxury homes and condos to life

created exclusively to showcase luxury homes and condo developments, Luxury Living is the first premium magazine of its kind.

discerning shoppers will enjoy browsing sophisticated design and editorial, and most importantly, the quality selection of premium,high rise and low rise developments in the GTA.

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

» Calculate your mortgage payments using the mortgage payment calculation chart

HOMEBUYERS’ HELP//

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ONTARIO’S MOST-READ NEW HOMES GROUP

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HOUSING OUTLOOK 2015: FULL STEAM AHEAD!

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Gracious designs and a grand location unite at Evergreens in Ancaster.


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INSIDE THIS ISSUE

OUTLOOK FOR 2015:FULL STEAM AHEAD

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FALL 2014 EDITION FREE

HOME&CONDO

Hot marketsYOUR GUIDE ON WHERE AND WHAT TO BUY

YOUR FIRST MORTGAGEStress-test before you buy

Money senseCHECKING

OFF ALL THE COSTS – AND

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INSIDE THIS ISSUE

BRAMPTON: BRAMALEA BECKONS

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The coolest GIFTS & winter DECOR IDEAS

Q&A with iconic British designer Kelly HoppenPG. 35

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十一月二十二日至一月三十一日 / Nov 22, 2014 - Jan 31, 2015 Volume 3 Issue 9

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NEW HOMES SOUTHWESTERN ONTARIO NEW HOMES SOUTHWESTERN ONTARIO NEW HOMES SOUTHWESTERN ONTARIO NEW HOMES SOUTHWESTERN ONTARIO

FALL 2014

TOP DESTINATION: NEW YORK CITY

Q&A WITH WORLD-FAMOUS DESIGNER KELLY HOPPEN

THE LUXURY MARKET’S CONTINUED EXPANSION

LuxuryLivingGTA.com

THE GTA’S most COVETED ADDRESSES

Who, what & where – we tell all!Village Gate, an Angus Glen Community by Kylemore Communities

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An exclusive collection of the GTA’s most beautiful new homes

2014MODEL HOMECALENDAR

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An exclusive collectionof the GTA’s most

beautiful new condosTHE REMINGTON GROUPThe Signature Condominium

2014MODEL SUITECALENDAR

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An exclusive collectionof Southwestern Ontario’s most

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WE ARE THE LARGEST MAGAZINE DISTRIBUTION SYSTEM IN ONTARIO.

PEARLS OF WISDOMExpert advice on buying

real estate in 2014

5 great reasons to buya brand new condo

DISCOVER THE

GTA’s top builders& condo communities,one success story at a time

The Only Complete Resource Directory of GTA Condominium Builders

ON ANY DEVICEVIEWUS NewCondoGuide.com

2014 CGGTA annual cover design-FIN.indd 1 14-03-05 3:10 PM

201420142014The Only Complete Resource Directory of GTA Home Builders

GTA’s top buildersand developers

DISCOVER THE

ONE SUCCESSSTORY AT A TIME

5 GREAT REASONS to

buy a new home

PEARLS OF WISDOM PEARLS OF WISDOMExpert homebuying

tips for 2014

2014 NHGTA annual cover_FNLindd.indd 1 14-03-12 2:00 PM

2014The Only Complete Resource Directory of Southwestern Ontario Home Builders

2014DISCOVER SWO’s top builders & developersone success story at a time

PEARLS of WISDOMExpert homebuying

tips for 2014

5 GREAT REASONSto buy a new home

SWO ANNUAL 2014.indd 1 3/19/14 2:29 PM

2014The Only Complete Resource Directory of Eastern Ontario Home Builders

ON ANY DEVICEVIEWUS NewHomeAndCondoGuide.com

PEARLS OF WISDOMExpert homebuyingtips for 2014

Discover Ottawa’s top builders and developers ONE SUCCESS STORY AT A TIME

5 great reasonsto buy a new home

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Calculate your mortgage payments

01 Determine the appropriate 5-Year Fixed Mortgage Rate, which is easiest to qualify for.

02 Run your finger down the left column of the table below to find the rate (round to the nearest 1/4%).

03 Choose your desired amortization period across the top of the table (25 years has lowest payment and is easiest to qualify for first-time buyers).

04At the intersection of the column and row is your mortgage payment per month per $100,000 borrowed.

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

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

AMORTIZATION PERIOD

Canadian mortgage payment factors Instructions:

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



2.50% $666 $529 $448 $394

2.75% $678 $541 $461 $407

3.00% $690 $554 $473 $421

3.25% $702 $566 $486 $434

3.50% $714 $579 $499 $448

3.75% $726 $591 $513 $461

4.00% $738 $604 $526 $476

4.25% $750 $617 $540 $490

4.50% $763 $630 $553 $504

4.75% $775 $644 $567 $519

5.00% $788 $657 $582 $534

5.25% $801 $671 $596 $549

5.50% $814 $684 $610 $564

5.75% $827 $698 $625 $579

6.00% $840 $712 $640 $595

6.25% $853 $726 $655 $611

6.50% $866 $741 $670 $626

6.75% $880 $755 $685 $642

7.00% $893 $769 $700 $659

Table provided by Calum Ross, Owner, President and Principal Broker at Calum Ross Mortgage. He can be reached at 416.410.9905, [email protected] and calumross.com

Mortgage payment calculation chartAMORTIZATION PERIODS

INTEREST RATES

15 YEARS

20 YEARS

25 YEARS

30 YEARS

%



Compare mortgage rates for your best deal

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

Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice.R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLENovember 17, 2014. Prepared By Fiscal Agents Financial Information Services 905.844.7700

TRUST COMPANIES

ATB Financial 2.7 4 2.94 2.89 2.99 3.04 3.24 6.30op 6.30op 6.50op Alterna Svgs/Alterna Bk 2.6 4 2.98 2.98 2.98 2.94 3.19 6.30op 6.30op Bank of Montreal 3 4 3.14 3.04 3.85 4.39 3.29 6.30op 6.30op Bank of Nova Scotia 2.6 4.55 3.29 2.79 3.44 3.94 3.19 6.45op 6.50op Canadian Western Bank 4 3.14 3.04 3.75 4.39 4.99 6.45op 6.30op CFF Bank 3.69 3.75 2.59 3.79 3.04CIBC 3 2.99 2.79 3.65 3.14 3.24 6.70op 6.35op ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 3.89Manulife Bank 2.7 4.45 3 3.04 3.04 3.09 3.09 3.50op National Bank n/a 4.4 3.14 3.04 3.75 3.09 3.39 6.70op 6.70op President’s Choice Finan 2.65 2.94 3.59 2.99 4.44Royal Bank 3 3.14 3.14 3.95 3.14 3.24 6.30op 6.30op TD Canada Trust 3 3.09 3.04 3.44 3.14 3.29 6.30op Tangerine 3 3.19 3.24 3.49 3.69 3.79

Community Trust n/a 6.5 3.14 3.25 3.95 4.74 4.99Concentra Financial n/a 5 2.89 2.25 3.44 3.94 4.79 6.70op 6.30op Effort Trust n/a 4.45 3.45 3.6 3.7 4.6 4.95 6.30op 6.30op Home Trust Company 2.5 3.95 2.89 2.89 2.79 2.94 2.95Investors Group Trust n/a 4.2 3.14 3.14 3.75 4.64 4.99 6.50op 6.30op MTCC 2.6 4.55 3.29 2.79 3.44 3.94 3.19 6.45op 6.50op

OTHER FINANCIAL INSTITUTIONS

Airline Financial C.U. 4 3.01 3.1 3.33 3.65 3.99 6.25op Comtech Credit Union 2.95 6.2 2.99 3.25 3.29 2.99 2.99 6.40op 6.30op First National Fin. LP 3.95 2.99 2.59 2.69 2.89 3.09FirstOntario C.U. 2.6 3.09 3.14 3.29 2.94 3.09 6.34op 6.34op IC Savings 3.05 2.99 2.99 3.39 3.39London Life n/a 4.2 3.14 3.14 3.75 4.64 4.99 6.50op 6.30op Luminus Financial 2.6 2.95 2.75 3.6 2.95 3.15 6.30op MCAP 2.5 3.6 3.95 4.35 4.84 5.14Meridian Credit Union 2.75 4 3.09 2.65 3.65 3.29 3.19 6.30op Parama Credit Union 2.85 2.85 3.05 3.15 3.25 3.4 3.00op Steinbach Credit Union 2.5 2.65 2.8 2.9 2.95 3.1



HOT DATES//

DEC 6-7

Christkindl Market KITCHENER CITY HALL KITCHENER A free Festival of German Christmas. Over 70 food and gift vendors, entertainment, crafts, traditional characters Angels, Christkindl, Knecht Ruprecht, Klaus the Organ Grinder and more.

christkindl.ca

DEC 6-19

Story Time with Santa ROYAL BOTANICAL GARDENS BURLINGTONSanta invites all of the good girls and boys to put on their craziest, most festive pajamas and join him at his cabin for a half hour of wonderful Christmas stories. Settle in, snuggle up and listen to Santa tell some of his favourite tales before you meet with him to share your Christmas wishes.

rbg.ca

DEC 7

City of Burlington's Christmas Parade 777 GUELPH LINE BURLINGTONSanta Claus is coming to town, in this 49th Annual Christmas Parade. Come see the big guy in red, marching bands, and holiday floats as they make their way from Burlington Mall to downtown Burlington via New Street.

burlington.ca/parade

JAN 9-11

2015 Milton International ChallengeCISCO PAN AM VELODROME MILTONThis C1-Class track event will be on of the last events on the international calendar before the 2014-15 World Cup Season. This is a unique opportunity for riders to aquaint themselves with the Cisco Milton PanAM/Parapan AM Veledrome.

cyclingcanada.ca

JAN 10-11

London Bridal Expo WESTERN FAIR DISTRICT LONDONBridal shops, formal wear, DJs, cakes, catering, venues, officiants, limo, invitations, photographers, salons, decorators, florists and investments – all at the Bridal Show.

westernfairdistrict.com

Dec 6 to Jan 17

Calendar of events beginning from

Dec. 6, 2014 to Jan. 17, 2015

083-Hot Dates_VB-WK.indd 83 12/4/14 12:23 PM


Advertiser index

BAYVIEW WELLINGTON: Victoria Village 4

BAYVIEW WELLINGTON: Niagara-on-the-Green 5

BRANTHAVEN HOMES: Corporate 12 & 13

BUCCI HOMES: Villages of Brantwell 29

COOK HOMES: The Village in Beechwood West 63

COUNTRYGREEN HOMES: The Uptowns of Waterdown 7

DAWN VICTORIA HOMES: Evergreens 43

EASTFOREST HOMES: Corporate 59

EMPIRE COMMUNITIES: Multi-site 2 & 3

GREAT GULF: Rolling Meadows IBC

HOMES BY DESANTIS: Multi-site 11

HOMES BY DESANTIS: On the Ridge 37

JACOB’S LANDING: Jacob’s Landing 39

LOSANI HOMES: Corporate 85

MATTAMY HOMES: Hawthorne Village 17

MATTAMY HOMES: Wildflowers 6

MENKES DEVELOPMENTS: Enclaves of Upper Canada 28

MONARCH: Topper Woods 44 & 45

MOUNTAINVIEW HOMES: Corporate 9

NEW HORIZON DEVELOPMENT: Waterfront Trails 33

PINEWOOD HOMES: The Wow Euro Towns 36

REID’S HERITAGE HOMES: Alive 71

REID’S HERITAGE HOMES: Westminster Highlands 69

REID’S HERITAGE HOMES: Williamsburg Walk BC

ROSEHAVEN HOMES: Corporate 49

ROSEHAVEN HOMES: On the Ridge 37

SILVERGATE HOMES: Victoria Woods 38

SONOMA HOMES: Style Town Collection 41

TERRA VIEW HOMES: Edgewater Estates 67

TILLSONBURG DEVELOPMENTS: Baldwin Place 24

TOWN OF TILLSONBURG 21

TRICAR GROUP: Corporate 61

VRANCOR GROUP: 150 Main 31

WILLIAMSBURG HOMES: Eby Estates 65

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Freehold towns from the upper $300’sVisit the sales office at 435 Garner Rd. East, Ancaster

LosaniHomes.com/Pronto For information on over 65 ready-built homes

Pricing and specifications subject to change without notice. E&OE. *Limited time offer. See Sales

Representative for details.

Visit the sales office at 435 Garner Rd. East, AncasterOVER 65 READY-BUILT HOMES AVAILABLE IN 30-180 DAYS

ANCASTER | Ancaster Glen Most sought-after neighbourhood of elegant singles from the mid $300’s | 289-239-7629

HAMILTON | Greenhill Glen Singles and semis steps from the escarpment from the high $300’s | 905-538-8752

HAMILTON | Paramount at Valley Park Freehold & condo towns in a park community from the low $300’s | 905-538-8752

KITCHENER | Victoria Common Towns in an urban community near downtown from the mid $200’s | 519-585-0500

KITCHENER | Doon Creek Freehold towns in an established forest community from the low $300’s | 519-893-7600

FINAL DAYS TO RECEIVE PREFERRED PRONTO MORTAGE RATES WITH JUST 5% DOWN. DONT MISS OUT!

Visit the sales office at 435 Garner Rd. East, AncasterVisit the sales office at 435 Garner Rd. East, Ancaster

ANCASTER | Ancaster Glen

PRONTOMOVE-IN HOMES

READY WHEN YOU AREPRONTOHOMES ON DEMAND

The most sought-after neighbourhood in Ancaster is now releasing Phase 2 of brand new freehold towns.

Register Now to attend the VIP Preview at LosaniHomes.com

//FUNDAMENTALLY SPEAKING

WAYNE KARL is an award-winning

writer and editor with experience in real

estate and business. In Fundamentally

Speaking, Wayne explores the basics – such as

economic fundamentals – you need to examine

when buying property. He can be reached at

[email protected] or follow him on Twitter

at Twitter.com/WayneKarl

» by WAYNE KARL

Housing outlook for Canada, Southwestern Ontario:

FULL STEAM AHEAD

If you’re looking to buy a home in Southwestern Ontario or the GTA next year, know that you’re buying in some of the healthiest markets in the country. A strong economy, appreciating housing values and only minor, unlikely risks are combining to produce a bright housing outlook.

Short of an unforeseen economic shock, the outlook for housing in much of Ontario and Canada overall is pretty much full steam ahead.

“� e housing market does have a fairly bright outlook,” Bob Dugan, chief economist for Canada Mortgage and Housing Corp., told New Home & Condo Guide. “� ere are a few risks we have our eye on. One of them relates to the high level of (highrise) units that are under construction.” � ese are trending slightly above the historic average.

“We do expect that the economy is going to be fairly strong, and that’s going to generate job growth and income growth, and that with low mortgage rates, is going to continue to support housing demand.”

A� ordability and housing supply are increasingly being tested in the GTA; less so in SWO markets. Homebuyers moving out of the GTA and into neighbouring markets in Southwestern Ontario – such as Hamilton, for example – and job growth, will support homes sales, CMHC says.

When it comes to pricing issue, buyers are increasingly making their home type and location decisions based on a� ordability.

� e beauty of Southwestern Ontario includes two key features: SWO towns stand to bene� t from the expected continuing economic improvement in the U.S., due to their economies’ reliance on manufacturing; SWO comprises many di� erent areas and sub-markets, which themselves have individual characteristics that translate to excellent homebuying opportunities in a variety of housing types.

As for potential risks to the housing market, overheating and overbuilding continue to be raised as possibilities by some experts. But such concerns are largely unfounded, says Dugan.

“We don’t see overheating as being a problem in any of the markets across Canada,” he says. “Some markets are stronger than others, particularly in western Canada.”

Canadians’ average household debt is another issue some observers point to as a troublesome sign. � is concern as well, says Dugan, is overblown, as real estate accounts for a majority of assets held by Canadians.

086 FS-Housing outlook for Toronto and Canada overall_VB-WK.indd 20 12/3/14 1:46 PM


Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area.

Lot 32 The Colborne • 2,470 sq. ft. on a 42 ft. lot Lot 26 The Erie • 2,305 sq. ft. on a 42 ft. lot

$371990 $354990$361990 $344990Now From Now From

Lot 5 The Queenston • 2,810 sq. ft. on a 40 ft. lot

$393990 $383990Now From

Sales office hours: Sat. & Sun. 12pm - 5pm Mon. - Wed. 2 - 7pm • Closed Thurs. & Fri.

SALES OFFICE1 Sunset Way off Barker Parkway and Hwy. 58Thorold (905) 680-0841

N

inventory savings!Move in this year at Rolling Meadows,

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• Award winning, designer inspired homes

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• Gourmet-inspired kitchens with islands, pantries, breakfast areas and walk-outs

• Fabulous upgrades included!

SOLD

PRESENTATION CENTRE

325 MAX BECKER DRIVE, SUITE 101KITCHENER ON N2E 4H5 MONDAY - WEDNESDAY 2 - 7 PMSATURDAY & SUNDAY 12 - 5 PM

519 742 4004

SIT

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BLEAMS RD.

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Williamsburg Walk is located in the heart of Williamsburg Town Centre in Kitchener. This complete, master-planned pedestrian promenade of shops, dining and modern amenities was designed to simplify your busy lifestyle.

Beautifully appointed 1, 2 and 3 bedroom suites, complete with hardwood flooring in living, dining and hallways, granite countertops, ceramic flooring in bathroom and in-suite laundry. Choose from 12 different floor plans - ranging from 652 to 1106 sq.ft. - with plenty of above and underground parking.

KITCHENER

KITCHEN7'-6" x 8'-6"

MASTERBEDROOM

10'-7" x 12'-8"

BEDROOM8'-9" x 10'-3"

BALCONY

LIVING / DINING10'-6" x 16'-6"

UNIT TYPE F1

4

2 BEDROOM827 ft²

HAC

DW

WD

WH

LN

211 212 201 202 203 204

208C

207 206 205210 209

111 112 101 102 103 104

108C3

107 106 105

1ST

FLO

OR

2ND

, 3R

D &

4TH

FLO

OR

S

WSRI

CL

the DUMFRIES | 827 SQ.FT.

Granite Countertops

In-Suite Laundry

Large Walk-In Closet

Ceramic flooring inBathroom & In-Suite Laundry

Kitchen open to Dining & Living. Perfect for entertaining.

Large Living & Dining combination boast hardwood floors

Large Master Bedroom

Sliding doors open to sun-filled balcony

Granite In-Suite Ceramic flooring inBathroom & In-Suite

1, 2 & 3 BEDROOM CONDOSFROM THE LOW $200s

williamsburgwalk.ca

RBJ Schlegel

Corporate Identity

PANTONE

CMYK

BLACK AND WHITE

REVERSED

PANTONE

CMYKBLACK AND WHITE

COLOUR BACKGROUND

INVERTED

OTHER OPTIONS

RBJ_Williamsburg_Walk_Logo.ai

Acceptable logo variationsN/AAugust 2011

x

xx

xx

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poeticaavenir 45 bookaven i r 65 med ium


555C

464C

1675C

412C

7535C

45/07/37/29

34/56/86/19

24/79/100/15

60/67/67/65

00/04/28/30

* Fonts and characters have been customized for this brand. If the fonts specified above are used for typsetting in other applications all characters will appear in standard format and may not be exactly as depicted in the Williamsburg Walk wordmark.

FREE UPGRADE

to Stainless Steel

Kitchen Appliances plus

Over-the-Range Microwave.

-- OR --

$2500 OFF

floor premiums

Your Complete Urban Community

CONSTRUCTION STARTING SOON!

- RESERVE NOW - VISIT OUR PRESENTATION CENTRE FOR PRE-CONSTRUCTION PRICING

southwestern ontario new home and condo guide - dec 6, 2014

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