calgary new home guide - may 24, 2013

inside this issue

ALBERTA ECONOMY AMONG TOPS IN CANADA

NEW HOMES AND OUTDOOR SPACES

WHAT BUYERS LOOK FORIN NEW-HOME LOCATION

May 24 - June 21, 2013 Volume 16 Issue 06

001-NHCAL CVR_05-24-2013.indd 1 5/16/13 3:44:32 PM

002-Tamani-Riversong 05-24-13.indd 2 5/15/13 12:32:12 PM

Showhome Address: 409 Nolanfield Way NW, CalgaryCall Dave at: 403-536-2305

Showhome Address: 409 Nolanfield Way NW, CalgaryCall Dave at: 403-536-2305Nolan

Hill

SageHill

N144 Ave NW SYM

ONS VALLEY RD BEDDINGTON TR.

COUNTRY HILLS BLVD.

STONEY TR.

SHAGANAPPI TR.Beacon HillShopping

Showhome Hours: Mon - Thurs: 2-8 pm Sat, Sun & Hol: 12-5 pm

close to numerous shops, restaurants & medical clinicsmany nearby shopping centres including Creekside Shopping Centre & Costconearby foothills & the picturesque Rocky Mountains20 minutes to Calgary’s International Airportclose to CrossIron Mills Shopping Centre

COMMUNITY HIGHLIGHTS

$300’s

single family

laned homes

Verve ShowhomeTotal: 1453 sq. ft.Main: 720 sq. ft.Second: 733 sq. ft.

creationsbyshane.com

Visit our Creations Showhome in one of

Calgary’s newest NW communities!

*Pricing includes house, lot and GST.

Subject to change without notice.

BEDROOM 29’4 x 10’8

BEDROOM 39’4 x 11’5

WIC WIC

DN

OPEN

TO B

ELOW

WIC

ENSU

ITE

OWNER’S SUITE13’6 x 12’2/11’2

STAC

KED

W/D

FAMILY ROOM14’ x 12’

VERANDA20’ x 11’/5’

DINING ROOM13’6 x 10’10

KITCHEN

FOYER

UPDN

M.W

.

BROOMARCHW

AY

D.W. REF.

FIREPLACE

4 SH

starting from the mid

03

MIDTOWN

model home in evansview

In communities all across Calgary

CONDOS + TOWNS

SINGLE FAMILY

INNER CITY

Built for real life.cArDELhOMES.cOM

Prices subject to change without notice. e&oe.

Change your point of view.

Ston

ey T

r NW

MODEL HOMES

CreeksideShopping

Centre

Symons Valley Rd

Beddington Tr NW

Panorama Rd NW

Symons Valley Pkwy NW

Estate-style living for less than you’d expect.

The northwest haven of evansview offers panoramic views of symons valley and easy access to shops, parks and pathways. Not to mention fully landscaped estate-style homes in an exclusive cardel neighbourhood.

Sales centre: 8 evansview manor nw403.256.7902hours: mon-Thur: 2 pm-8 pm sat, sun & holidays: noon-5 pm Closed Fridays

OVEr 65% SOLD

WALk-OuT rIDGE LOTS

NOW SELLING

$470sSTArTING FrOM ThE

04

MIDTOWN

model home in evansview

SINGLE FAMILY

Built for real life.cArDELhOMES.cOM

Prices subject to change without notice. e&oe.

Change your point of view.

Ston

ey T

r NW

MODEL HOMES

CreeksideShopping

Centre

Symons Valley Rd

Beddington Tr NW

Panorama Rd NW

Symons Valley Pkwy NW

Estate-style living for less than you’d expect.

The northwest haven of evansview offers panoramic views of symons valley and easy access to shops, parks and pathways. Not to mention fully landscaped estate-style homes in an exclusive cardel neighbourhood.

Sales centre: 8 evansview manor nw403.256.7902hours: mon-Thur: 2 pm-8 pm sat, sun & holidays: noon-5 pm Closed Fridays

OVEr 65% SOLD

WALk-OuT rIDGE LOTS

NOW SELLING

$470sSTArTING FrOM ThE

05

IN EVERY ISSUE

8 EDITOR’S NOTE

COLUMNISTS36 QUICK TIPS

If you don’t use it, it’s time to lose itby Hellen Buttigieg

46 INSIGHTNew-home landscapingby Brad Jackman

55 THE HOMEBUYING PROCESSHomeowners’ attention turns to outdoor spaces by Donna Moore

56 FUNDAMENTALLY SPEAKINGWhat type of home should you buy?by Wayne Karl

60 MORTGAGE MOGULMortgages 101by Jason Eldridge

IN THE NEWS

9 ECONOMYAlberta economic growth among the leaders in Canada

26 EDUCATIONAlberta high schools show improvement ranking

50 BMOReport highlights what buyers look for in new-home location

HOMEBUYERS’ HELP12 COVER STORY

MountainView – a beautiful, natural setting in Okotoks by Heather Ryan

18 SHOWHOME REVIEWHomes by Avi has exciting new lots, showhomes in EvansRidge by Heather Ryan

20 STYLE FILEBedroom bouquetby Elisa Krovblit

22 COMMUNITY PROFILEWatermark at Bearspaw attracting plenty of attention by Heather Ryan

30 SHOWHOME REVIEWCreations by Shane Homes – Verve showhome a winner by Heather Ryan

42 DESIGNER ADVICEKitchen trendsby Yanic Simard

54 STYLE FILEDeco delightby Sara Duck

61 HOMEBUYERS’ RESOURCE SECTIONMortgage calculator and rate table

contentsMAY 24 - JUNE 21, 2013 || VOLUME 16 ISSUE 06

APEX Developments

cover story

MOUNTAINVIEW – A BEAUTIFUL, NATURAL SETTING IN OKOTOKS PAGE 12

features & editorials

VICE-PRESIDENT, WALL2WALL MEDIAJacqueline HillDIRECTOR OF SALES, WESTERN CANADAJosh Heppner EDITOR-IN-CHIEF, NATIONAL REAL ESTATESusan LeggeART DIRECTORBianca DiPietro

EDITORWayne Karl CONTRIBUTING EDITORSSara DuckElisa KrovblitLydia McNutt (on leave)

Melanie GowansSENIOR MEDIA CONSULTANT

403.200.8462Follow us on twitter atTwitter.com/NewHomeGuideMelLike us on facebook;facebook/CalgaryNHG

PRODUCTION CO-ORDINATORGreg Van SluytmanGRAPHIC DESIGNERDhaval NaikMANAGER OF PRODUCTIONBala GnanapandithanNATIONAL ACCOUNT MANAGER, MEDIATIVE Paul Slizys

FOR ADVERTISING INQUIRIES PLEASE CONTACT:403.200.8462FOR NATIONAL ADVERTISING INQUIRIES CALL: 416.263.6783

Calgary’s New Home Guide is published 13 times per year. We are located at 2891 Sunridge Way NE Calgary, AB T1Y 7K7. Phone: 587.226.1313. The magazine is free to the public.

COPYRIGHT 2013 All rights reserved by New Home Guide, Toronto, Ontario, Canada. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

TERMS Advertisers, Editorial content are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.

EDITORIAL Submissions from interested parties will be considered. Please submit to the editor at [email protected].

PUBLISHED BY

Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

district maps11 OKOTOKS

17 NORTHWEST

33 AIRDRIE

39 CALGARY REGION SOUTH

41 COCHRANE

45 NORTHEAST

49 SOUTHEAST

65 SOUTHWEST

66 CALGARY REGION EAST

22

30

18

e d i t o r ’ s n o t e

To each his own, as the saying goes, and when it comes to choosing what type of new home to purchase, today’s buyers have plenty of options. For some, choices are dictated primarily by budget, location or family

circumstances; for others, financial freedom and where they are in life may allow them to select purely by home type.

Indeed, the answer to this question varies and depends on many factors. One common mistake buyers – particularly first-timers – make is buying more home than they can handle. Experts agree making yourself house-poor is not a wise decision, and the best news is that with the variety of product available from builders today, you are sure to be able to find a new home that suits your taste and budget.

It’s also important to remember that homeowners buy and sell many times over in their lifetime, so if your first or second home isn’t quite your dream home, you can always plan to move up, downsize or adjust however you need to in your homeowning future.

Calgary area builders offer excellent, award-winning homes to suit just about everyone. Get out there and explore!

Wayne Karl EDITORWall2Wall Media, [email protected]

Follow me on Twitter at Twitter.com/WayneKarl

What type of home?When answering this questi on, be sure to take all factors into considerati on

Buyers’ opportunityLow mortgage rates keep home shoppers in the driver’s seat through the summer

The Bank of Canada’s recent announcement to hold interest rates is good news for home shoppers.

There are many excellent mortgage products available from banks and brokers that will suit your individual needs, and some are even lower than posted bank rates. With a pre-approval in hand, you’re protected if rates rise, and 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 offer. This is an especially good tool to have in hot markets. Removing the “conditional on � nancing” clause could mean your offer is accepted � rst, since you already have your � nancing in place.

So, when will rates rise? Recently, we’ve been hearing that rates may not see an increase until next year at least.

The Bank will make its next scheduled rate announcement on May 29 – but don’t wait until then to get pre-approved for a mortgage. It can take a few days. Many lenders now offer online pre-approvals to make the process easier.

Susan Legge EDITOR-IN-CHIEFWall2Wall Media, [email protected]

Follow me on Twitter at Twitter.com/SusanLegge

08 NEW HOME GUIDE | MAY 24 - JUN 21, 2013

i n t h e n e w s

After growing 3.9 per cent in 2012, AlbertA’s economy is expected to expand a more modest 2.5 per cent this year – still among the Canadian leaders, according to the latest BMO Blue Book from BMO Capital Markets Economics and BMO Commercial Banking. Much like the U.S. Federal Reserve’s Beige Book, the BMO Blue Book combines the expertise of BMO’s economists with informa-tion on current business conditions provided to BMO’s commercial bankers by local businesspeople.

“The main trigger for softer investment activity is the lower price received by Canadian producers of heavy oil relative to WTI,” says Robert Kavcic, senior economist, BMO Capital Markets. The good news is that the discount has narrowed, partly due to sea-sonal demand for bitumen, com-pleted refinery maintenance and more pipeline capacity linking Cushing and the Gulf Coast.”

Kavcic added that despite the challenge, oil production in the province was still up a solid 16 per cent year-over-year in 2012 Q4, led by 21 per cent year-over-year growth in bitumen output.

Meanwhile, employment growth has cooled to just 1.7 per cent year-over-year in March, down from a 2.6 per cent pace for 2012. “The labour market, however, still remains tight with the jobless rate at 4.8 per cent – the second lowest

in Canada – and average weekly earnings rising 6.1 per cent year-over-year in the first quarter of 2013,” says Kavcic.

Housing markets in Calgary and Ed-monton have not succumbed to slowdowns as seen in Vancouver and Toronto, with sales up 3.4 per cent year-over-year and 6.3 per cent year-over-year, respectively, in the first quarter of 2013. “With in-mi-gration strong, incomes rising and lower supply, Calgary’s MLS Home Price Index was up eight per cent year-over-year in March and within six per cent of 2007’s record,” says Kavcic.

“The economy in Northwestern Alberta is being fuelled by expansion and growth in the oil and gas services sector and also the oil and gas construction industry,” says Lynda Taylor, district vice-president, com-mercial banking, Northern Alberta and NWT, BMO Bank of Montreal. “In par-ticular, construction companies in the Northwest are bidding on new work coming from major liquid gas players in the market. Meanwhile, the continuing population influx into Fort McMurray and the Northeast has created real demand for additional services and amenities.”

“Of particular note are the prospects for Alberta’s First Nations; Alberta is full

of opportunities for First Nations with numerous Bands ready to enter into creative economic development oppor-tunities,” says Mike Darling, district vice-president, com-mercial, southern Alberta, BMO Bank of Montreal.

“BMO has provided many in-novative solutions to First Nations over the years, and

we recently heard from one Band Admin-istrator who said BMO’s approach to on-reserve lending is helping them achieve their goals for their community.”

“The economy in Northwestern Alberta

is being fuelled by expansion and growth in the oil and gas services sector and also the oil and gas construction

industry.”

BMO ECONOMICS: Alberta economic growth among leaders in Canada

may 24 - jun 21, 2013 | New home Guide 09

LIFESTYLE HOMES | PROMINENT HOMES | STERLING HOMES

THERE’S NO PLACE LIKE HOME!You’re not in Kansas anymore…You’re in Drake Landing – a magical realm where it’s possible to buy a brand

new home AND enjoy the schools, parks, shops and recreational amenities of an

established neighbourhood. The final two phases are now selling, so you still

have time (if you hurry!) to build a new home and become part of Okotoks’

newest “old” community as well known for its conservation commitments as its

family-friendly amenities.

visitdrakelanding.com for directions and tour a showhome today.

HOMES FROM THE $400s

WWW.UNITEDCOMMUNITIES.COM

DRAKE LANDING | FOREST CROWNE | NOLAN HILL

THE RANCH | SAGE HILL | SILVERADO

10

OKOTOKS

2A

2A 2A7

2A

OKOTOKS

MILLIGAN DR.

SANDSTONE DR.

MOUNTAINVIEWGATE

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32 ST. E

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›› OKOTOKSCOMMUNITIESNOTE: Map is just a graphic representati on of areas of developments. See ad of a parti cular project for more details.

01 OKOTOKS AIR RANCH & RANCHERS’ RISESHOWHOMES: Ranchers CrescentDEVELOPER: Bordeaux DevelopmentsBUILDERS: Baywest Homes, Sterling Homes, Wolverine Custom Homes

02 CIMARRONDEVELOPER: Tristar CommunitiesBUILDERS: Excel Homes, Trico Homes, Cedarglen Homes, Coco Homes, Today’s Homes, California Homes, Assured Homes

03 DRAKE LANDINGSHOWHOMES: Drake Landing Way, Drake Landing Crescent and Drake Landing HillDEVELOPER: United CommunitiesBUILDERS: Lifestyle Homes, Morrison Homes, Shane Homes, Sterling Homes, Creations by Shane Homes, Prominent Homes

04 WESTMOUNTSHOWHOMES: Westland StreetDEVELOPER: Prominence Development Corp.BUILDERS: Jager Homes, Reid Built Homes, Sterling Homes, WestView Builders

05 EAGLE CRESTSHOWHOMES: Directly behind WestmountDEVELOPER: Prominence Development Corp.BUILDERS: Carpenter Homes

06 THE HILL IN WESTRIDGESHOWHOMES: Westridge RoadDEVELOPER: QualicoBUILDERS: Sterling Homes

07 CRYSTAL RIDGESHOWHOMES: Crystal Green Dr.DEVELOPER: United CommunitiesBUILDERS: Sterling Homes, Baywest, Crossley Homes

08 MOUNTAINVIEW (NOW OPEN) AT SANDSTONE DR. & MOUNT BURNS GREEN Apex DevelopmentsBUILDERS: Excel Homes,Sterling Homeswww.mountainviewokotoks.com

MAY 24 - JUN 21, 2013 | NEW HOME GUIDE 11

Perched above an escarpment with scenic river and mountain views, MountainView in Okotoks pres-ents a beautiful natural setting for new-home buyers.

Crafted by APEX Developments, MountainView is situated on 130 acres of land and will be comprised en-tirely of single-family homes with approximately 400 residences when complete.

“MountainView is quickly becoming the sought after address in Okotoks, sales have been excellent in our first phase and we’re excited that we’ve just released our second phase,” Susan Henderson, senior development manager at APEX.

A major attraction to MountainView is its picturesque natural setting – 50 per cent of the land is greenspace – a mix of environmental reserve, active public space and passive recreational park space, pedestrian pathways and public reserve space.

“We get lots of great comments from people who love the look and feel of MountainView,” says Becky Burbank, area manager with Excel Homes, which is one of two builders of single-family front-attached garage homes in the community. “It’s very serene, offers a beautiful natural setting and has breathtaking views of the Rockies. APEX has really done a fabulous job designing the community with an abundance of greenspace, naturalized wet ponds and pathways.

“Buyers really like the location in northwest Okotoks.It offers quick access to major routes so Calgary is only a 15-minute drive away making it easy to commute,” Burbank says. “Residents can also walk to the nearby grocery store or to Okotoks’ historical downtown that features a charm-ing mix of boutiques and shops.”

She adds there’s an array of shops, including big box retailers, grocery stores, coffee shops, restaurants and a variety of other amenities just a short drive away along

MountainViewby HeatHer ryan

c o v e r s t o r y

A beautiful, natural setting in Okotoks

12 New home Guide | may 24 - jun 21, 2013

Okotoks’ main thoroughfare and throughout the town.With the release of Phase 2, Sterling Homes, the other single-family,

front-attached garage home builder in the community, has five incredible ridge lots up for grabs.

“We’re really excited about the ridge lots; we already have a lot of inter-est in them, so I’m sure they’ll go fast,” says Sterling’s area manager Doug Anderson, who notes the lots face west “so they offer beautiful mountain views, and overlook the ponds, creek, natural trees and park below.

“We are currently working on floorplans for these lots, and I expect designs will include 1,800-sq.-ft. bungalows and 3,000-sq.-ft. two-storeys, all with walkouts,” he says.

“MountainView is a great community, located beside the D’Arcy Golf Course, and surrounded in greenspace,” Anderson says. “People love the neighbourhood because it’s so quiet, yet it’s close to everything. It offers a tranquil setting where can come home, kick back and relax.

“People also like that it will have just 400 single-family homes and that there will be no multi-family or commercial developments, so it will be less congested.”

Excel and Sterling offer a variety of styles and sizes to meet a wide range of tastes and prices start in the $420,000s including lot and GST. The builders have two showhomes each on a parade located in Phase 1.

Lots in MountainView start at 36-ft. wide, with several sized up to or wider than 46 ft., providing buyers with a great mix to choose from. The newly released ridge lots are up to 54-ft. wide.

“Buyers love the larger lots and the fact they can get more for their money in Okotoks, and if they choose to, they can build a more customized home,” Hen-derson says.

Both Excel and Sterling are crafting homes that feature architectural styles – Mountain Alpine, Tudor, Arts and Crafts, Prairie and Craftsman. The carefully de-signed architecture establishes a sense of identity and continuity throughout the com-munity and ensures its lasting value, Henderson says.

For more information on MountainView, check out mountainviewokotoks.com, contact the builders at excelhomes.ca and sterlinghomesgroup.com or visit the showhomes open Monday to Thursday 2 to 8 p.m., and weekends and holidays noon to 5 p.m.

“MountainView is a great community, located beside the D’Arcy Golf Course, and surrounded in greenspace. People love the neighbourhood because it’s so quiet, yet it’s close to everything. It offers a tranquil setting where can come home, kick back and relax.”– Doug AnDerson

Now you can view all of Wall2Wall Media’s publicationsonline, anytime, using your mobile, PC or tablet

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Where inviting your neighbours becomes a family affair.

Visit ranchersrise.com to learn more, and tour our showhomes today.

FAMILY First

• Big Lots, Big Value Wide open spaces for children to play both inside and outside.

• Triple Garage Homes Easily and affordably built here.

• Get Outside, Together Features a park, sports field and extensive nature trail perfect for family walks.

• Okotoks Amenities Minutes from local schools and convenient shopping.

• High Quality Exteriors Elegant curb appeal with stucco and James Hardie® Fiber Cement Siding.

sTArTinG frOm THE HiGH $500’sinCludES HoME, lot & GSt

sHOWHOmE PArADE On rAnCHErs CrEsCEnTMonday – Thursday: 2-8 PM • Weekends & Holidays: 12-5 PM

15

OKOTOKS

WINNER Community

Development 2012 National SAM Awards

WINNER New Community

Of The Year 2012 Calgary SAM Awards

WINNER Community Of The Year

Calgary Region 2012 Calgary SAM Awards

We invite you to visit Watermark at Bearspaw and see the distinctive

estate homes and unrivalled amenities that make up Canada’s best

community. Lot sizes from one-quarter to one acre and 46 acres of

parkland at your door. Homes starting from $1 million.

Quick Possession Homes available now!

Visit MoveInNowAtWatermark.com to learn more.

WINNERWe invite you to visit Watermark at Bearspaw and see the distinctive

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WMK-084_NewHomeGuide_full_ad.indd 1 13-05-09 11:43 AM

NORTHWEST

16

07 TUSCANY HILLSIDE ESTATES SHOWHOMES: Tuscany Estate Rise NWDEVELOPER: Brookfield ResidentialBUILDERS: Albi Homeswww.tuscany-community.com

08 KINCORA SHOWHOMES: 150 Kincora Glen Rd.DEVELOPER: MelcorBUILDER: Excel Homess

09 EVANSVIEWSHOWHOMES: 8 Evansview ManorDEVELOPER: GenstarBUILDERS: Cardel Homes, Acuri Homes

10 SAGE MEADOWS SHOWHOMES: Sage Meadows Circle NWDEVELOPER: Genesis Land Development Corp.BUILDERS: Genesis Builders Group, Passion Homes, Reid Built Homes, Today’s Homes www.genesisbuildersgroup.com

11 VALLEY POINTE ESTATESDEVELOPER: MelcorBUILDERS: Shane Homes, Reid Built Homes, Landmark Homes, Homes by Avi

12 BEARSPAW WILLOW CREEKBUILDERS: Astoria Custom Homes, Hyatt Homes, Laratta Homes, Mckinley Masters Custom Homes

13 WATERMARK AT BEARSPAWDEVELOPER: Macdonald Development CorporationBUILDERS: Astoria Homes; Albi Homes, Trickle Creek Homes, Wolf Custom Homeswww.watermarkatbearspaw.com

14 EVANSRIDGEDEVELOPER: Dundee DevelopmentsBUILDERS: Homes by Avi, Genesis Builders Group, Landmark Homes, Morrison Homes, Innovations by Jayman, Westview Builders, Stepper Custom Homes, Calbridge Homes, Excel Homes coming soon

15 ROCK LAKE ESTATESDEVELOPER: Decker ManagementBUILDERS: Ashton Custom Homes, Crystal Creek Homes, Lupi Luxury Homes

16 ROCKFORD ESTATES - TRAIL’S ENDBUILDER: Jager Homes

17 SHERWOODDEVELOPER: MelcorBUILDERS: Shane Homes, Homes by Avi, Genesis Builders Group

01 PANORAMA HILLSSHOWHOMES: Panatella Blvd. NW, Panatella Square NW,Panora Way NWDEVELOPER: GenstarBUILDERS: Homes by Avi, Cardel Homes, Landmark, Excel Homess, Arcuri Homes

02 ROYAL OAKDEVELOPER: Birchwood PropertiesBUILDERS: Birchwood Properties

03 EVANSTONSHOWHOMES: Evanspark Circle NWDEVELOPER: QualicoBUILDERS: Broadview, NuVista, Trico Homes, Pacesetter Homes, Sterling Homes, Jayman MasterBUILT

04 SAGE HILL SHOWHOMES: Sage Hill Point NW, Sage Valley Park NW, Sage HillGreen NWBUILDERS: Shane Homes, Excel Homess, Trico Homes, Morrison Homes, Discovery Homes, Baywest Homes, Homes by Avi

05 NOLAN HILL:Showhomes now openDEVELOPER: United CommunitiesBUILDERS: Homes by Avi, Morrison Homes, Shane Homes, Sterling Homes, Today’s Homes, Trico Homes,Creations by Shane Homes, www.nolanhillunited.com

06 BEACON HEIGHTS SHOWHOMES: Sherwood Crescent NW DEVELOPER: Intergulf Cidex BUILDER: Trico Homes, Intergulf Cidex

NOTE: Map is just a graphic representation of areas of developments.See ad of a particular project for more details.

BOW TRAIL

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Showhomes: 1228 Sherwood Blvd.

Tuscany Hillside Estates

Developer: Carma

7

Builders: Landmark Homes | Albi Homes

CityLife

Developer: Birchwood Properties

Milano9 11

Builders: Birchwood PropertiesBuilders: Trico Homes

Sherwood

Developer: Genesis Development Corp.

5

Builders: Majestic Homes

Showhomes: Sherwood Crescent NW

Showhomes: Tuscany Estates Rise NW Showhomes: 2003 20th Ave. Showhomes: 99 Panatella Hill NW

Beacon Heights

Developer: Intergulf Cidex

6

Builders: Trico Homes/Intergulf Cidex

Kincora

Developer: Genesis Land Development Corp. | Apex Developments

Hanson Ranch

Developer: Cedarglen Homes | Cardel Homes

8 10

Builders: Evolution Homes | Majestic Homes | Excel Homes | Centrex Homes

Builders: Genstar

Showhomes: 115 Kinkora Glen Rd. NW Showhomes: Hidden Creek Blvd. NW

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›› NORTHWESTCOMMUNITIES

NOTE: Map is just a graphic representati on of areas of developments. See ad of a parti cular project for more details.

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With two fabulous showhomes under construction and a series of attractive larger lots just released in a new phase, Homes by Avi has plenty of

exciting new offerings for homebuyers in EvansRidge.“EvansRidge has quickly become one of the sought

after communities in northwest Calgary,” says Karl Bursnell, sales manager for Homes by Avi. “Sales are going really well in the community and we have 36 lots in the new phase that are slightly wider than the previous lots, so it allows us to build larger homes and we’ll be able to offer different models to buyers.

“The buyer in EvansRidge tends to want a larger home and a more versatile plan, so we’ve developed a new plan especially for EvansRidge, although we will offer it in other communities,” he says. “The buyers there are also more second move-up who maybe have older children or more toys and want extra garage space.”

So the new plan, Yorkshire, one of two new showhomes under construction, offers a three-car garage with a

s h o w h o m e r e v i e w

showhomes in EvansRidgeHOMES BY AVI HAS EXCITING NEW LOTS,

by HEATHER RYAN

tandem design on one side. “The lots are larger but not wide enough for the typical three-car garage design so we created a tandem design that allows people to park three cars, or use the extra space for toys, storage or a workshop,” Bursnell says.

The 2,612-sq.-ft. showhome showcases four bedrooms with a central bonus room with a � replace and large laundry room upstairs. The spacious master bedroom can accom-modate a king-sized bed and has a good-sized walk-in closet and an ensuite that features his and her sinks separated by a soaker tub and a walk-in shower. Two of the three secondary bedrooms also have walk-in closets.

On the main, there is a study, dining room, large great room and a mid-centred kitchen with island and cabinet pantry. There is also a mud room off the garage entry.

“This is a well-thought out plan that maximizes space,” Bursnell says, and “having the bonus room separating the master from the rest of the bedrooms is a design that people really like.”


Homes by Avi is also building the Wellesley in EvansRidge and it’s the � rst time this model will be showcased as a showhome. The 2,395-sq.-ft. showhome has a double front-attached garage and an Urban Modern architectural style present-ing elements such as higher pitch roof and bigger windows.

“This is also a substantial-sized home with a large � ex room on the main � oor, spacious great room and an eat-in kitchen/nook area,” Bursnell says. “The kitchen island has a curved front so it’s been design to make it more comfortable for people to sit at and socialize and it has a walk-through pantry to the mud room off the garage entry.”

The turning staircase in this home is open so you can look down and see right to the basement and the upstairs has a front bonus room with vaulted ceiling and large windows, a laundry room and two generous-sized secondary bedrooms each with walk-in closets. The inviting master bedroom provides suf� cient space for a king-sized bed and features a walk-in closet and an ensuite with double vanities, soaker tub and walk-in shower.

These two new showhomes are expected to open in late fall. However, interested buyers can visit Homes by Avi’s current showhome, the 2,120-sq.-ft . Hawthorne, to view all 12 models available in EvansRidge and check out the new lots.


April showers bring May flowers, and make bouquets for June. Bring

these florals into your home and you’ll enjoy blooms every season!

bedroom bouquet

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t r e n d s p o t t i n g

by elisa krovblit


NORTHWEST

c o m m u n i t y p r o f i l e

by HeatHer ryan

AwArd-winningwatermark at Bearspaw

attracting plenty of attention

Chosen as the best new community in Calgary, the best community in the Calgary region and the best community in the nation is earning Watermark at

Bearspaw plenty of attention.“The response from people to our two local SAM Award

wins and the national SAM Award win has been really fantastic,” says Matthew Jones, associate vice-president of sales and marketing Macdonald Development Corp., which is crafting Watermark at Bearspaw, a stunning estate home community just west of Calgary.

“Since our local SAM Award wins in mid April we’ve had eight sales and we’re averaging 100 people through our showhomes every week,” Jones says. “I think we can attribute that to everyone wanting to see what Canada’s best community looks like.

“Now with the cascading ponds up and running and the arrival of warmer weather we’re not only getting people coming out to see the showhomes they’re also spending time visiting the plaza and strolling the pathways alongside

the ponds – it really gives them a chance to experience what it would be like to live in the community.”

The SAM Awards recognized Watermark at Bearspaw’s exceptional home designs, impressive lots that range from one-quarter to one acre with frontages from 80- to 160-ft., and the amenities that include the fabulous network of cascading ponds and streams, 46-acres of parkland, five kilometres of paved trails and the central plaza featuring a large pavilion with fire pit, outdoor kitchen and barbecues, NBA-sized sports court, grass sports field and playgrounds.

Jones adds Astoria Custom Homes’ showhome in Watermark, which was a SAM Awards finalist in the New Home Awards – $1,000,000 to $1,499,999 category, is also attracting a lot of interest from people wanting to see this incredible estate first-hand.

Astoria, Trickle Creek Custom Homes and Wolf Custom Homes have been wowing visitors since Watermark opened the spectacular Street of Distinction showhome


parade in the fall. The parade will soon be joined by National Grand SAM Award winning builder Albi Homes, which is currently building a showhome anticipated to open this fall.

Home and lot packages in Watermark start at $1 million and builders currently have four quick possession homes available, allowing buyers to move in immediately rather than wait months for construction. “The quick possession homes have been very successful for the builders, they are selling out as soon as they come available,” Jones says, noting the builders are building more of these homes providing more opportunity for quick possessions this year.

“More people are moving into the community and are taking advantage of the amenities,” he says. “Residents have already started to book the pavilion and outdoor kitchen in the central plaza for parties.”

Watermark at Bearspaw recently released lots in Phase Two, which Jones says, “are very popular because there is a great selection available,” including mountain views lots, walkouts and those backing onto the cascading ponds.

“This spring we’re going to be busy finishing off the extensive landscaping that was started last fall to make the site look even better for residents,” he says, “and we’re looking forward to our

newest addition to the community, the Villas at Watermark, that will be coming this summer.”

Along with an incredible housing lineup and great amenities, Watermark’s location is enticing being minutes from Glenbow Ranch Provincial Park, within walking distance to the Lynx Ridge Golf Course and short drive from the Bearspaw Golf & Country Club. It’s also conveniently located at 12 Mile Coulee Road, just minutes from a wide range of shops, services, restaurants and the LRT at Crowfoot and Crowfoot and Stoney Trails are nearby for ease of getting downtown and to the airport.

To learn more about this award-winning community, visit the showhomes, open 2 to 8 p.m. Monday to Thursday, noon to 5 p.m. weekends, visit watermarkatbearspaw.com or call 403-239-9735.

“Since our local SAM Award wins in mid April we’ve had eight sales and we’re averaging 100 people through our showhomes every week.”


NORTHWEST

rankings show academic improvement at 22 schools

FRASER INSTITUTE’S ALBERTA HIGH SCHOOL

TWENTY-TWO ALBERTA HIGH SCHOOLS, including 12 public schools and nine schools in Calgary, have seen their academic performance improve over the past � ve years, according to the Fraser Institute’s annual school rankings.

The list of improving high schools also includes one charter school, one private school, and eight separate schools across the province. The complete list follows.

“Our report card consistently shows that school improvement is occurring all over Alberta, from High Prairie in the north to Lethbridge in the south and everywhere in between,” says Peter Cowley, Fraser Institute director of school performance studies.

“The rankings suggest that any school can improve, regardless of the challenges its students face. Only the Fraser Institute’s report card ensures that school success stories like these become widely known.”

The Report Card on Alberta’s High Schools 2013 rates 279 public, private, separate and charter schools based on eight academic indicators derived from grade-12 diploma exam results as well as graduation and grade-to-grade transition rates.

The report card also includes important information about each school’s make-up, including parents’ average income, the percentage of ESL students and the percentage of special needs students.

Complete results for 279 high schools will be available at compareschoolrankings.org, where visitors can compare school results on a variety of academic indicators and ratings.

Of the 22 Alberta high schools showing signi� cant academic improvement, � ve are public schools where the parental income is below average. At one of those

schools, special needs students account for nearly 20 per cent of school enrolment; at another, more than a quarter of the students are ESL learners.

“Principals and teachers who have not yet found ways to improve might pro� t from talking to the staff at these schools,” Cowley says.

Improving Alberta High Schools (in order of improvement, fastest at top):

» Bassano (Public), Bassano» E. W. Pratt (Public), High Prairie» St. Augusti ne (Separate), Ponoka» Rundle College Academy (Private), Calgary» Glenmary (Separate), Peace River» F. P. Walshe (Public), Fort Macleod» Nati onal Sport (Public), Calgary» Crescent Heights (Public), Calgary» McCoy (Separate), Medicine Hat» Three Hills (Public), Three Hills» Notre Dame (Separate), Calgary» Beaumont (Public), Beaumont» Hunti ng Hills (Public), Red Deer» Holy Trinity (Separate), Edmonton» Westmount (Charter), Calgary» Holy Trinity Academy (Separate), Okotoks» Catholic Central (Separate), Lethbridge» Browness (Public), Calgary» Strathcona Christi an (Public), Sherwood Park» Centennial (Public), Calgary» Bishop O’Byrne (Separate), Calgary» Springbank (Public), Calgary

i n t h e n e w s


NEW HOME GUIDECLIENT: MacDonald Development Corp

PROJECT: Watermark

INSERTION DATE: May 24, 2013

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NORTHWEST

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A spacious, well-designed, open concept floorplan that has won two SAM Awards is also a winner with new homebuyers.

Crafted by Creations by Shane Homes, the Verve showhome in Nolan Hill is loved by buyers because of its liveable design that makes efficient use of space and is great for entertaining.

“The Verve is one of Creations by Shane Homes’ most popular floorplans because of its wide open design,” says area manager Dave Gearey. “It won two SAM Awards because it’s such a great design that maximizes space and appears much larger than it actually is. When I tell people the showhome is 1,453 sq. ft., they can’t believe it because it feels so much larger.

“The kitchen in this home is really big; the size you’ll often find in larger single-family homes, and people really like how much room there is for cooking and entertaining,” Gearey says. “They also like the spacious front living room with the large windows that let in lots of sunlight.

“People love the standard features, such as the granite countertops in the kitchen and bathrooms, tile floors, the walk-in closets in both secondary bedrooms and that there

s h o w h o m e r e v i e w

Creations by Shane HomesVerVe SHoWHoMe A WINNer

by HeatHer ryan

are two bathrooms upstairs,” he says. “The home comes with so many great standard features that people don’t really need upgrades.”

The Verve, a two-storey laned home, is highlighted by a large welcoming front veranda. The showhome opens to a semi-private entry featuring a tile floor that spans most of the main level and plenty of room to greet guests.

The entry is open to the front family room that presents an inviting atmosphere with plush carpet and three large windows ensuring plenty of sunlight. The family room is warmed by a corner fireplace surrounded by tile that matches the floor and is topped with a large wood mantle and niche large enough for a big screen TV or decorative items.

Adjacent to the living room is an impressive central dining room that has a large window creating a sunny place at meal times. Directly across from the dining room is a niche by the stairs where you can easily place a hutch, bench, the optional IT centre or a home management centre.

Adjacent to the dining area, the delectable kitchen is highlighted by an expansive granite-topped flat surface island that serves up plenty of space for food preparation and breakfast bar seating providing an ideal space for guests


to socialize with the hosts when entertaining.The huge kitchen has many features to savour, includ-

ing granite countertops and a striking white mosaic tile backsplash with subway glass tile inlay. A stainless steel double sink is located below a large window that overlooks the backyard, so parents can watch the kids playing. A small counter across from the island makes an ideal spot to mix drinks with cabinets above and below, or place a phone or computer, and beside it is a pantry offering additional storage. Adjacent to the kitchen are the rear entry and a private half-bath.

Heading upstairs, to the right are two generously sized bedrooms for the kids, a main full bath that features a granite-topped vanity and an upstairs laundry.

The owners’ suite at the end of the hall provides a nice private retreat and room to accommodate a king-sized bed; it also has a huge walk-in closet. Multiple windows let in plenty of natural light, and owners will appreciate the ensuite with a granite-topped vanity and deep soaker tub.

For more information on the Verve and other Creations by Shane Homes models in Nolan Hill, visit the showhome, open Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m, call 403-536-2305 or visit creationsbyshane.com

“The Verve is one of Creations by Shane Homes’ most popular floor plans because of its wide open design.”


›› AIRDRIECOMMUNITIES01 BAYSIDE ESTATES

SHOWHOMES: Bayside Circle SW, Baywater CrescentDEVELOPER: Genesis Land Development Corp.BUILDER: Genesis Builders Group, McKee Homes, Coco Homes, Sovereign Homes www.genesisland.com

02 WINDSONGSHOWHOMES: Windsong Dr.DEVELOPER: Mattamy HomesBUILDERS: Mattamy Homes

03 REUNIONSHOWHOMES: Reunion Street NW. & Reunion Grove NWDEVELOPER: Hopewell Residential CommunitiesBUILDERS: Excel Homes, Sabal Homes, McKee Homes

04 KING’S HEIGHTSSHOWHOMES: Kings Height Blvd. DEVELOPER: MelcorBUILDER: Jayman MasterBUILT, Loreck Homes, McKee Homes, Reid Built, Shane Homes

05 RAVENSWOODSHOWHOMES: Ravenswood DriveDEVELOPER: QualicoBUILDERS: NuVista, McKee Homes, Pacesetter, Broadview

06 COOPERS CROSSINGSHOWHOMES: Cooper’s Drive,Cooperstown CourtDEVELOPER: Westmark HoldingsBUILDERS: McKee Homes, Trico Homes, Artigiano Developments, Canterra Custom Homes

07 WILLIAMSTOWNSHOWHOMES: Williamstown GreenDEVELOPER: VestaBUILDERS: Douglas Homes, Talisman Homes, Vesta

08 HILLCRESTDeveloper: Apex DevelopmentsBuilders: Excel Homes, Shane Homes, Trico Homeshttp://hillcrestairdrie.com

09 PRAIRIE SPRINGSBuilders: Prominent Homes, McKee Homes

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Bay7and9_NHG_May.indd 1 2013-05-13 11:58 AM

34

Experience all the benefits of home ownership. Our Side by Side homes provide comfort, quality and generous living space both inside and out. A home to call your own with privacy and piece of mind at an affordable price - without the burden of condo fees.

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Bay7and9_NHG_May.indd 1 2013-05-13 11:58 AM

35

it’s time to lose it

If you don’t use It,

Hellen Buttigieg is a certified professional organizer, life coach, TV host, owner of

We Organize U and author of the best-seller, Organizing Outside The Box. For tips on

organizing your home, your office and your life, visit weorganizeu.com and sign up for the free

newsletter.

q u i c k t i p s

There are many chariTies ThaT will Take Things you no longer need, so don’t hold onto items just because you have them. If they’re of no use to you, it’s time they stopped taking up your space and moved on to a home where they’re needed. Hold a garage sale if you have the time. the money you earn can go towards new purchases once you’ve carved out some space.

Get a jump-start on de-clutterInGBooks collecting dust? although I keep a collection of books that I often re-read or refer back to, I make it a habit to use the one-in/one-out rule. I love books and my house would be overrun with them if I didn’t begin this habit a long time ago. any time I’m tempted to buy a new book, I remind myself that if I do, I will have to let one go. this encourages me to borrow books from the library when possible. I often get questions about what to do with books that are no longer used and are taking up space. donate books in good condition to your local library, hospitals or schools. there is even a great program that sends books to troops (Books for soldiers, booksforsoldiers.com).toy toss put aside time with the kids to go through their old toys and decide what they want to donate. remind them they need to make space if they want new toys. drive to the charity together and drop off the toys. remind the kids how kind and giving their gesture was and that other less fortunate children will truly appreciate their donation. It’s never too early to start teaching children this valuable practice.clean out the garage If your garage is cluttered, it’s a good time to tackle it. empty out the entire garage, or work in sections (depending on the amount of clutter and the amount of time you have to clear it). place like items together in categories: car care, tools, sporting, gardening, etc. create a pile for things you no longer need or want. Heavy duty shelving units and clear bins work great for storing these items within their categories. Brackets and hooks work for large items. don’t forget to take the discarded items to the dump if they cannot be sold or donated.

have you Been putting off your garage sale? Have you been storing items for years with the intention of having a garage sale, but never get around to it? pull out your calendar today and book a definite date to have it. Blocking the time now increases the likelihood of following through with it later. another option is to forgo the garage sale entirely and donate these items instead. has your clutter expired? If you can’t quite bring yourself to let go of certain items, even though you aren’t using them, consider packing them in a box and writing a “best before” date on it six months away. put this date on your calendar as a reminder. If you don’t go into that box again before the expiry date, donate it to charity without opening it again. this provides you with a cooling-off period, making it easier to detach.out with the old, in with the new Is your outdated home office equipment slowing you down? maybe it’s time to upgrade or replace it. or, have you replaced your equipment but kept the old laptop or printer “just in case?” take back your space and give your office a fresh start by letting go of the old. do this and I predict your productivity will increase in the years ahead! having trouBle deciding? clutter is the result of postponed decisions. When you are de-cluttering, make the keep/toss/donate decisions easier by asking yourself whether the item serves a purpose or adds beauty or meaning to your life. Getting organized is not about getting rid of all your stuff, it’s about honouring what truly serves you and letting go of what’s just taking up space. If you don’t love it or use it, it’s time to lose it.

by hellen buttigieg


COMING SOON TO AIRDRIE AIRDRIE

37

ASK AN EXPERT: by HEATHER RYAN

Q & A

Q: We purchased a new home and want to know what we should be aware of when beginning our outdoor projects?A: “Before starting any work in your new yard you need a grading certi� cate,” says Ron Heggs, director of special projects for Shane Homes. “You normally get this certi� cate from your builder and you get this once the grading and loaming of the property is completed.” New home owners need to be aware that there is going to be some settlement of the yard, especially if the home was built in the winter, and there is settlement even after the grading and loaming, so wait a few months before you start any project, Heggs says.He recommends the � rst exterior project be the deck, so check building codes, city bylaws, obtain the necessary permits and call for underground locations before you start.“After the deck, you should prepare the yard for garden beds,” Heggs says noting drainage is key to any outdoor project. “It’s so important to make sure whatever you’re doing doesn’t interfere with how the water will drain from your property and that it doesn’t affect your neighbour’s property.” Many homeowners put � ower beds up against the house,

however, Heggs says it’s not a good idea to place those against the foundation wall if they need a lot of water. “You want to keep water away from your foundation. Concrete is porous and over time, if you’re doing a lot of watering, you could have water issues in the basement.”He suggests putting gardens against the fence and garage. As well, if you have a concrete swale in your backyard for drainage, don’t put gardens all along it. “You can do some corner beds, but leave room for the water to drain into the swale.”If you’re planting trees, think about how big they will get; you don’t want them hitting the house, deck or fence in years to come.Bring in the materials you’ll need for the lawn and garden beds, and then build the fence making sure of the property line. The last project is to lay sod or seed the lawn, as this gives it time to take root with no one walking on it to build something.Finally, before any project locate all utilities, know the location of your property line and work safely.

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08 HEARTLAND SHOWHOMES: Horse Creek Road DEVELOPER: Apex Developments BUILDERS: Excel Homes www.heartlandcochrane.com

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›› COCHRANECOMMUNITIES


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by yanic simard

Kitchentrends

AppliAncesAs technology advances, one of the most dramatic changes we can see to the modern kitchen is the incredible number of options available for custom and unique range hoods. I love the clean look of pieces such as the Thermador Masterpiece series – when the hood is this beautiful and simple, there’s no need to hide it. Home kitchens are getting more and more like a real chef ’s headquarters every day, with restaurant staples such as warming drawers and wine refrigerators popping up everywhere. Microwaves are moving to under the counter, often using a drawer instead of a door to make lifting hot items in

d e s i g n e r a d v i c e

Kitchentrends

between wood and tile, which are often less than ideal. Hardwood or engineered wood may not be quite as durable as tile when facing dropped pots and pans, but the right selection mixed with a little care can yield a more elegant and comfortable floor for the chef of the house to stand on. In the photo above, you’ll see Brushed Oak Luxe Ravensdale from Kentwood – I loved it for this home and it can fit into virtually any style of kitchen, from traditional to minimal. If you do prefer an even softer look, many people are finding an elegant runner rug (much longer than it is wide), following the line of the cabinetry, can add a pleasant visual break to the floor, and be cleaned or replaced in the event of a catastrophic spaghetti spill. This classic Scandinavian style can warm up your space visually, and you can switch out your rug later to get a punch of new colour. lighting:Borrowing from art galleries and museums, some recent lighting trends have focused on making the light sources disappear, so the sparkling surfaces can have all the attention. Traditional style pot lights for the ceiling are nothing new for kitchens – they are very practical sources of direct light for cooking and suit the tasks well, however, new shadow box style pot lights seem to be becoming more popular with their modern style. Lately, many such lights can be found recessed into tiny alcoves in the ceiling, which allows a slightly more extended fixture to angle the light to hit more specific targets. This creates a sophisticated look,

and out more convenient. Many companies even make built-in automated coffee machines to get as much clutter off your surfaces as possible – no barista required! Aquabrass makes a great user-friendly version of a pot-filler faucet, called the Zest, which gives you the pull-out multi-functionality of an industrial fixture with a stylish and elegant look appropriate for an inviting kitchen.

counters:While we’ve recently seen total integration of cupboards and appliances into one perfectly clean line, a new trend emerging is the return to a more furniture-based look, rather than minimal built-ins. By this I mean you can find little details creeping in that let kitchen cabinets – and especially islands – feel more like stand-alone pieces than part of a continuous set. For example, while most kitchens have the lower cabinets raised off the floor enough to create a toe space, now designers are adding traditional feet to the corners of each section, echoing the look of an elegant vanity. At the same time, ending the countertops flush with the face of the cupboard allows those two elements to merge into a furniture unit, rather than looking like the cabinets and counter are unrelated. At my design studio, we’ve been loving the use of mixed materials for the countertops, pairing quartz and marble to let distinct areas have their own identity. I love working with Marble Trend and Caesarstone – mixing calacatta oro with grey quartz produces a beautiful look, and of course, there is also an infinite array of other possible combinations.

Flooring:An ongoing trend in both open and closed plan homes, playing against the more furniture-like counters, is a unification of flooring types throughout the space. Running continuous wood flooring from your dining room throughout allows the kitchen to feel less like a separate work space, and more like part of the larger environment. It also avoids unsightly joints


Yanic simard is the principal designer of the toronto Interior design Group. specializing in residential and commercial projects, simard often applies his signature high/low and old/new combination design techniques in developing unique designs. simard has created designs for clients across north America, and has appeared as a regular guest expert on Citytv’s CityLine. For more information visit tidg.ca

and lets you avoid unsightly track lighting. Creating much larger recessed areas over the kitchen island is another popular trend, as this helps define the area as a special gathering place – which is fitting, as despite our plans this is so often where the real party happens! Of course, since the kitchen is such a celebrated space, it also deserves some statement lighting of its own, and many homeowners are electing for grander pieces rather than modest pendants. While your hidden lamps are doing a lot of the work, a brilliant chandelier over your island again helps to define this as a central space, and keeps the room from feeling too strictly functional.

colour:My absolute favourite colour of the year, which you can find popping up in designs of every taste and budget, is not just a colour but a precious stone: emerald. As a wall colour in paint or paper, rich jewel greens add a layer of depth and drama to a space, but also allow other lighter colours to breathe – it can be the focus, or a near-neutral backdrop, depending on the shade. Beautiful glass bowls, vases and sculptures can be easily mixed into an existing kitchen space, and since leafy tones are around us all the time in nature, we are instinctively tuned to like greens with almost any colour scheme. Drop by Avenue Road to see their selection of great home accessories (as well as furniture) – I find exciting new things every time I go.

Another trend I’m loving is not just any colour, but actually chrome! Now, I know you have probably heard of chrome for appliances, even backsplashes – this is a timeless look. However, lately designers have been applying touches of silvery glamour to the kitchen cabinetry, like the one shown here from adding to the gallery display case aesthetic. Stainless steel complements the cool emerald shades wonderfully, and frames the view through your cabinet windows like an elegant piece of art. (By the way, if you don’t have any windowed cabinets, now is the time. Your beautiful dishes and glassware have been hidden away for too long!) Look to SieMatic, and especially their BeauxArts.02 collection, to put a little metal in your mix.

BAcKsplAshes:Kitchen backsplashes tend to fall into one of two categories: timeless, neutral looks or very personal style statements. Having your backsplash retiled isn’t something you do every day, so you need to absolutely love it.

A style I’ve found recently is the beautiful diamond “pillow” tile from Deco-Tile. It creates a quilted effect, mixing the soft curves of an elegant sofa with the durability of tile. At the opposite end, companies such as SieMatic are creating backsplash “systems” that transform the space into either multi-functional shelves, cupboards, or racks, so you get the most usability out of your space while maintaining a beautiful,built-in look.

BeAutiFul glAss BoWls, VAses AnD sculptures cAn Be eAsilY MiXeD into An eXisting Kitchen spAce, AnD since leAFY tones Are ArounD us All the tiMe in nAture, We Are instinctiVelY tuneD to liKe greens With AlMost AnY colour scheMe.

Mo - designed by Anna torfs. $500


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04 REDSTONEDEVELOPER: Qualico CommunitiesBUILDERS: Broadview Homes, NuVista Homes, Pacesetter Homes, Innovations by Jayman, Trico Homes

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i n s i g h t

Landscape 360. Professional Landscape Construction.

One shOuld never underestimate the many benefits of creating a vibrant and functional outdoor living space customized for your home. Landscaping is essentially giving your house a home. Professionally landscaping your property provides a sanctuary for your family, friends and pets. Landscaping improves your quality of life, increases the value of your home and adds personal flare to your home’s exterior. Your landscape options include custom decks, patios, walkways, garden beds, trees, shrubs, lighting, fences, irrigation, drainage solutions, boulders,

by Brad Jackman

New-home landscaping


403.452.0360 | landscape360.ca | like us on facebook

retaining walls, water features and barbecue pits. Clearly, there are many aspects to landscape construction and it pays to explore all your options carefully. More importantly hire a company with a strong portfolio.

With a variety of quality products and many different design concepts your landscape design can be customized to complement any size and shape of property. Natural Stone is the highest quality material to use for landscaping. Serenity, timelessness, balance, beauty and function are all traits of natural stone. Natural stone can be used in almost all facets of landscape construction. Landscape lighting is a phenomenal way to enhance your outdoor space and bring your yard and nature to life. Lighting provides your space with energy, safety, balance and interest. The ambient glow of landscape lighting sets the mood for your yard. Custom irrigation systems are an excellent way to conserve water and reduce your yard maintenance. This will allow homeowners to maximize the amount of water their landscape requires. An irrigation system is a far more effective way to provide your yard the water it craves, as opposed to running the sprinkler for a few hours. Homeowners have endless options when it comes to custom woodwork. Decks, pergolas, privacy walls, arbors and many other options are possible with wood. Kayu Batu is an extremely high end hardwood that can be incorporated into many applications. Very resistant to decay, wear and dents, Kayu is an excellent choice to complement your new home.

The key to enjoyment and the longevity of your yard is quality craftsmanship. Landscaping is a process that’s built in layers. Many of the steps are tedious, lengthy and labor intense. Progress can seem slow due to the preparative work required, with most typical contracts springing

to life in the final few days of construction. Having professionals with the proper knowledge base who use high quality materials is a must. A locally owned and operated Calgary-based company, Landscape 360 specializes in residential, estate and acreage landscape construction. Our philosophy is based upon professionalism, quality, trust and respect. Brad Jackman and Brian Smith lead a team of friendly, knowledgeable and hardworking staff. We have a combined 22 years of experience within the landscape industry. If it is a fully conceptual design you require or a smaller project, we will be happy to help.


They also say shared experiences bring couples closer together. Whoever “they” are, I think they’d approve of how we’re

spending our weekends.

THEY SAY BIKE RIDES ARE

GOODFOR THE

HEART

Showhomes open:Monday – Thursday 2pm – 8pm.Weekends & Holidays 12pm – 5pm.

DirectionsTake Deerfoot Trail south to Cranston Ave SE and follow the signs to Cranston.

Cranston’s natural surroundings, two new schools and abundant amenities provide everything your family needs to create cherished moments and naturally inspired memories.

Condos and TownhomesCardel Lifestyles from the $180,000s

Semi-Detached Homes Brookfield Homes Side-by-Side from the $290,000s

Single Family HomesBrookfield Homes | Discovery from the $300,000s

Single Family Homes with rear attached garageTrico Manor Lane from the $460,000s

Single Family Homes with front attached garageCedarglen | Morrison | Shane | Trico from the $400,000s

Landmark Solar NetZero from the $490,000s

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Cranston Ave SE Seton Blvd SE

Hwy 22x

Deerfoot Trail

CRANSTON

Harvet Mosaic from the $200,000s

livecranston.ca

The Highlands by Cardel from the $450,000s


02 COPPERFIELDSHOWHOMES: Copperpond Heath SE and Copperpond Blvd. SE www.copperfield.caDEVELOPER: Hopewell Residential CommunitiesBUILDERS: Excel Homes, Sabal Homes, Stepper Custom Homes

03 CRANSTONSHOWHOMES: Cranarch Landing DEVELOPER: Brookfield ResidentialBUILDERS: Albi Homes, Shane Homes, Cardel Homes, Cedarglen Homes, Trico Homes, Discovery Homes, Landmark Homes, Baywest Homes, Brookfield Homeswww.livecranston.ca

04 WALDENSHOWHOMES: Walden Terrace SE DEVELOPER: GenstarBUILDERS: Cardel Homes, Innovations by Jayman, Excel Homes, Homes by Avi, California Homes, Avi Urban

05 MAHOGANY SHOWHOMES: Mahogany Boulevard SE & Mahogany Heights SEDEVELOPER: Hopewell Residential CommunitiesBUILDERS: Jayman MasterBUILT, Sabal Homes, Stepper Custom Homes, Trico Homes, Homes by AviESTATESHOWHOMES: Mahogany Manor SEBUILDERS: Baywest Homes, Calbridge Homes, Morrison Homeswww.mahoganyliving.com

06 McKENZIE TOWNE DEVELOPER: Brookfield Residential ELGIN VILLAGESHOWHOMES: McKenzie Towne Dr. SE, Elgin Meadows Green SE., Elgin Estates View SEBUILDER: Cardel Homes, Albi Homes, Cove Properties, Cardel Lifestyles, Brookfield Homes, Avalon Master Builderwww.livemckenzietowne.ca

07 NEW BRIGHTONSHOWHOMES: New Brighton Dr. SEDEVELOPER: Brookfield ResidentialBUILDERS: Shane Homes, Cardel Homes, Trico Homes, Cedarglen Homes, Morrison Homes, Homes by Avi, Innnovations by Jayman, Brookfield Homeswww.livenewbrighton.ca

08 CHAPARRAL VALLEYSHOWHOMES: Chaparral Valley Drive SE & Chaparral Valley SQDEVELOPER: GenstarBUILDERS: Cardel Homes, Jayman MasterBUILT, Innovations by Jayman, Cardel Lifestyles, Homes by Avi, California Homes

09 QUARRY PARK SHOWHOMES: Quarry Landing SE, Quarry Parkway SE.DEVELOPER: Remington CorporationBUILDERS: Cardel Homes

10 LEGACYDEVELOPER: Westcreek DevelopmentsBUILDERS: Stepper Custom Homes, Albi Homes, Trico Homes, Excel Homes (coming soon), Sterling Homes, Creations by Shane Homes

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CopperfieldDeveloper: Hopewell Residential Communities

Mahogany

Developer: HopewellBuilders: Jayman MasterBUILT | Sabal Homes | Stepper Custom Homes | Trico Homes

Auburn Bay

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1

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01 AUBURN BAYSHOWHOMES: Auburn Shores Way SE & Auburn Springs Blvd SE, Auburn Bay Blvd. SE, Auburn Sound Manor SE, Auburn Bay Gardens,Auburn Shores LandingDEVELOPER: Brookfield ResidentialBUILDERS: Brookfield Homes, Cardel Homes, Cedarglen Homes, Baywest Homes, Jayman MasterBUILT, Albi Homes, Morrison Homes, Discovery Homes, Inspire by Jaymanwww.liveauburnbay.ca


While there are a number of factors to consider when deciding on the right location to buy a home, Canadians view the safety of a neighbourhood to be the most important (63 per cent) feature of a home’s location, according to a new BMO Bank of Montreal survey.

The survey, conducted by Pollara, also found that living on a quiet street (43 per cent), having good neighbours (30 per cent), having a short commute to work (28 per cent) and being near family and friends (25 per cent) rank high on Canadians’ list of location priorities when buying a home.

“Everyone has a unique set of personal and financial priorities, so it’s important that those particular needs are considered when deciding on the right location to purchase a home,” says Laura Parsons, mortgage expert, BMO Bank of Montreal. “Taking a practical approach to home buying is the key to preventing yourself from getting ‘swept away’ by the bells and whistles of a house. Home buyers should make a list of needs versus wants

and prioritize them in order of highest to lowest importance.”

The poll also revealed that significant differences become apparent when comparing the national averages to first-time homebuyers. For instance:• Having a short commute to work

is more important to first-time buyers than the average buyer (34 per cent versus 28 per cent)

• Living near public transit (28 per cent versus 19 per cent) is also higher on the priority list for first-timers than repeat buyers

However, living on a quiet street (30 per cent versus 43 per cent) and having good neighbours (21 per cent versus 30 per cent) are far less important to first-timers

BMO report shows safety, quiet street and good neighbours are top priorities for homebuyers

Location, location, location

COnTinuEd On PagE 52…

i n t h e n e w s


LIFESTYLE PLUSknockdown ceilings to main and upper, 8’1” basement wall height, triple-glazed, argon

filled windows, level I granite countertops to kitchen and bath, undermount sinks, standard tile flooring, level II hardwood to foyer, hallway, nook, and pantry

CULINARY $2000 cabinet allowance,

trinsic chrome kitchen faucet, anthracite undermount sink,

$500 upgraded tile backsplash allowance

OASISbanjo vanity top to main bath, full-height tiled shower with fiberglass base to ensuite, full-height tile to main bath tub/shower, $1000 cabinet

allowance

OPEN AIRup to 100 sq. ft. barefoot wood

deck, aluminum railing with pickets, 3/4” underground

sprinkler rough-in, gasline to BBQ

then choose two from below

Your new home comes with

403.255.2000cedarglenhomes.com

This is a marketing document and subject to change without notification. In case of conflict between this document and a contract, the contract will prevail. Lifestyle Solutions not available in Riverstone of Cranston. Promotion expired 08/31/2013. 05/2013. E&OE.

Cedarglen Lifestyle Solutions

cranston 403.257.5801auburn bay 403.252.9040

new brighton 403.257.2162

SOUTHEAST

51

Parsons encourages buyers and sellers to be aware of any changing conditions on the local level. “if planning to buy or sell a property, consider working with an expert who can help you make decisions that are appropriate to the health of your local market, and more importantly, that fit within your particular personal and financial priorities.

“getting pre-approved financing, choosing a fixed rate and stress-testing mortgage payments in advance of buying a home can provide peace of mind and help home buyers become mortgage-free sooner,” adds Parsons.

“Realtors are always available to help buyers find the property that’s right for them,” says Laura Leyser, president of The Canadian Real Estate association. “and to provide consumers with information to help them through this difficult and emotional process, our Homebuyers’ Road Map, developed in collaboration with the Financial Consumer agency of Canada, is available online at crea.ca/resources

QCALT

First-time buyer

Mon Tor Cal VanBCMB/SK ABON

REGIONLocation priorities

Safe neighbourhood

Quiet street

Good neighbours

Short commute to work

Near friends and family

Near stores and restaurants

Near public transit

National

63%

43%

30%

28%

25%

23%

19%

62%

30%

21%

34%

20%

28%

28%

71%

41%

38%

23%

26%

28%

9%

55%

54%

25%

30%

28%

20%

20%

63%

39%

31%

26%

24%

23%

21%

62%

37%

23%

33%

22%

32%

29%

64%

37%

23%

35%

22%

26%

20%

60%

28%

25%

28%

25%

24%

31%

59%

48%

21%

28%

27%

22%

28%

63%

42%

28%

28%

23%

26%

21%

67%

41%

30%

30%

22%

23%

15%

73%

37%

32%

38%

28%

24%

11%

“ Getting pre-approved financing, choosing a fixed rate and stress-testing mortgage payments in advance of buying a home can provide peace of mind and help home buyers become mortgage-free sooner,” adds Parsons.

i n t h e n e w s | CONT INUED


2012


SOUTHEAST

s t y l e f i l e

I’m inspired by the upcoming remake of F. Scott Fitzgerald’s The Great Gatsby, which will be in theatres this month. I want to decorate my space with Art Deco inspired pieces from the glamourous age of the 1920s.CY-9507-SN Chandelier. $890.

Visit barrymorefurniture.com

Lismore Essence Saucer Champagne by Waterford Wedgwood. $235 for set of two. Visit thebay.com

The Great Gatsby by F. Scott Fitzgerald.

$10. Visit chapters.indigo.ca

Mirror.$80.Visit Bouclair.com

Hayworth Mirror and Vanity.

$260-$490.Visit pier1.ca

by sara duck

deco delight

Fleming Chair. $1,995.

Visit elte.com


As the weather warms, more homeowners turn their atten-tions from indoors to outdoors and consider projects they want to take on this spring and summer.

Many Calgarians are already taking advantage of the sunshine, preparing garden beds, raking and mowing lawns and looking at ways to turn their yard into an inviting outdoor living space.

Many homeowners today look on their outdoor space as an extension of their home – a place where they can get to-gether with family, friends and neighbours and enjoy the sunny summer months relaxing on the deck or planning backyard barbecues.

With a little planning, you can turn your backyard into an attractive entertaining space, a private place for relaxation or a peaceful nature experience, while the frontyard can present colourful gardens that add to your home’s curb appeal.

When you buy a new home, you have a unique opportu-nity to develop your landscaping from the very beginning, adding beauty to your home, the street and the community.

New-home builders in the Calgary region recognize the importance of creating a whole home atmosphere, inside and out.

If you’re like many Calgarians who are looking to buy a new home this spring, you may be surprised to discover that there are several home builders that offer landscaping options or “packages” that include patios and decks, as well as plant-ing trees and sodding front yards.

This allows new-home buyers to finish the look of their home and they can immediately enjoy all of the benefits of their purchase.

Many local builders also have a network of professionals including landscape specialists, who they can recommend to their customers and buyers can deal directly with these

specialists when it comes time to designing and creating their landscaping.

However, before starting your landscaping project, there are some things to consider regardless of whether you plan to work with your builder, hire a landscaping specialist or do the work yourself.

First off, planning is everything, so make sure you develop a full vision of your entire outdoor space to avoid making mistakes. To begin, put together a wish list – those items that you have always wanted such as gardens, ponds, waterfalls, patios, decks, fences and gazebos.

Then review those items and compare them to the space you have – in other words, what can you realistically do in the outdoor space you have? Think about what items will work in the space – you may have to drop some items from your wish list if, say a waterfall and pond, is just not going to work in the space you have.

Once that’s done, consider what items you want done now and what can be phased in over time when budget allows.

When planning landscaping projects, remember soil preparation and water control, particularly drainage, are crucial. Talk with your builder about the soil type on your property, landfill, foundation height and backfill around the house. It’s important to ask about drainage patterns, and consider the placement of eavestroughs and downspouts in your landscaping plan so that water drains away from your home.

Also, consider other needs your design may have such as electricity for outdoor lights or a natural gas line hookup for the barbecue.

Some popular trends in outdoor designs in recent years include roof structures, which allow you to enjoy the outdoors even during a rain shower, outdoor fireplaces that add warmth to chilly Calgary evenings and outdoor kitchens and living rooms that allow you to use the outdoors as an extension of the indoors.

Naturescapes, such as rock gardens, garden fountains, waterfalls and ponds are popular additions, but be realistic with whatever you create and think about how much maintenance you are willing to do or are capable of under-taking.

Landscaping is an integral part of your new home, so no matter what your plans are, explore your options thoroughly and remember to save some time to enjoy your creation.

t h e h o m e b u y i n g p r o c e s s

Donna Moore Executive Officer, Calgary Region Home Builders’

Association 403.235.1911 | crhba.com

by Donna Moore

Homeowners’ attention turns to

outdoor spaces


WHAT TYPE OF HOME SHOULD YOU buy? Whether you’re a � rst-time buyer, moving up to a larger home or downsizing to a smaller one, the answer to this question is a very individual one. It short, it really depends on your situation – everything from the amount of your down payment to where you work to whether you have kids to other personal circumstances.

Of course, most of us would love a large house on an expansive property on a quiet cul-de-sac in the best neighbourhood. But that’s not always possible.

For your own enjoyment while you live in your home as well as for future resale potential, proximity to transportation, shop-ping, schools and other amenities is among the key determinants that affect the your property’s appeal, and ultimately its value. After all, those are the qualities potential buyers look for when searching for a home; the more of them your house has when you go to sell, the more it will be attractive to a greater number of people.

While experts suggest you take a long-term view when buying a home, it’s also im-portant to not look too far down the road.

Let’s be honest, your � rst home may not be your dream home, and your needs

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 Twitt er at Twitt er.com/WayneKarl

and desires are bound to change throughout the various stages of home ownership. You might not be able to afford the home of your dreams right off the bat, but once you’re in the market, it’s easier to move up.

So, while the answer to the question – What type of home should you buy? – is speci� c to circumstances, there are also some common guidelines you can follow.

How much can you afford?Experts agree it is never a good idea to make yourself house-poor, and it is a very common mistake, particularly of � rst-time buyers, to buy more home than you can really afford. Meeting with a mortgage broker or your banker will help determine your full � nancial picture, assessing everything from your credit rating to how much you have saved for a down payment. And with tougher mortgage rules recently

taking effect, buyers should “stress-test” their plans – seeing how well you could cope with higher mortgage payments brought on by rising interest rates.

How much will it really cost?Another common homebuyer mistake is not being prepared for all the closing costs involved: lawyer fees, land transfer taxes, utilities, insurance, and home inspection and appraisal fees and insurance. All of these costs add up, and ultimately should factor into your overall home-shopping budget.

Where do you want to live?This question is becoming more important for a number of reasons, though in� uenced primarily by where you work, how much of a commute you want and whether your transportation options include mass transit or only driving. Indeed, especially with gas prices on the rise, proximity to mass transit is something more and more people are looking for in their new home location. It may not be as simple as choosing to live in the city, suburbs or small town.

What type of home do you want?Once you have determined your options for cost and location, you can then assess what types of homes are available in your price range and desired neighbourhood: Single-family detached, semi-detached, town-home or duplex?

Some many questions, so many choices. The good news is, home build-ers today are in sync with customer preferences for location and amenities, and with market realities with regard to pricing and needs for energy ef� -ciency, so your options for new-home product have never been better.

What type of home should you buy?by WAYNE KARL

f u n d a m e n t a l l y s p e a k i n g


certainty comes standard

does a kitchen this gorgeous come standard with every jayman masterbuilt home?

absolutely.Visit your nearest Jayman MasterBUILT Show Home to see how Built-in KitchenAid stainless steel

appliances, granite countertops with 8 colour options, maple cabinets with 6 door styles, 6 stain

colours with soft-close doors and drawers and a large selection of tile backsplash can make the

kitchen your favourite room.

Find out all the great things you can do with a Jayman MasterBUILT Kitchen at one of our Show Homes.

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Show Home Hours Monday to Thursday 2-8 pm Weekends / Holidays 12-5 pm

For more information visit jayman.com/standardkitchen

57

m o r t g a g e m o g u l

by JASON ELDRIDGE

Mortgages 101

JASON ELDRIDGE P.F.P, B.Admin Mortgage Specialist,Axiom Mortgage Solutions (formerly Unisource Mortgage)

CELL 403.630.1718 FAX 866.708.5807EMAIL [email protected] WEB/APPLY ONLINE jason.axiommortgage.ca

FOR MOST OF US, BUYING A HOME IS THE SINGLE MOSTimportant investment we make in our lives. While this often is and should be an exciting time, it can also be the most terrifying for some people. The reason being – we are not as prepared as we could be. Unfortu-nately for most, purchasing a home is only half the battle. Acquiring the necessary mortgage � nancing is the other half. Hopefully, this article will help put your mind at ease when the time comes for you to � nd that perfect home.

In my opinion, there are four major steps in the purchase of a home: 1)arranging mortgage � nancing; 2) working with a realtor to assist you with the search and negotiation of the purchase; 3) � nding a lawyer to handle the legal aspects (such as registering the mortgage on title); and 4). contact-ing the utility companies (gas, water, electrical, telephone, cable and inter-net) to have them provide necessary or optional services.

Arranging a mortgage does not have to be diffi cult at allThe � rst and most important step to arranging mortgage � nancing

is to contact a mortgage broker and get pre-approved. This can be done any number of ways for your convenience. We can meet with you in person (either at your home, of� ce or wherever you prefer) to discuss your application, or we can offer you a number of different channels (phone, fax, email or secure online applications), in order to obtain the information we need to send your application to one or more of the 50 lenders we work with. This process usually takes no more than 24 hours. The bene� t of being pre-approved is that your interest rates are guaran-teed for 120 days, so there is no rush for you to go out and put an offer on the � rst home you see. As well, you know up front exactly what the maximum mortgage amount you are quali� ed for, as well as how much your principal and interest payment will be for that mortgage amount.

Now, being pre-approved for mortgage � nancing is great. However, pre-approvals are based only on the information you provide to the lender via your mortgage broker, as well as your credit history, which is obtained primarily through a credit reporting agency, such as Equifax or Trans Union, with your authorization. Once you � nd a home you wish to buy, and the offer is accepted, you normally have only a few days to arrange

“� rm” � nancing and waive that condition. The fastest way to do this is to have the required documentation in place prior to making an offer.

So what do you need to do to arrange � rm mortgage � nancing? In most cases, the banks need you to satisfy two main conditions: prove your income and con� rm your down payment. Depending on the type of work you do, you will likely need to provide a letter of employment and a current paystub. If you are in business for yourself, you may need to provide con� rmation that you own the business as well as your last two years worth of personal income tax returns or Notice of Assessments. Now, keep in mind, we are unique individuals, and sometimes our income stream(s) can be unique as well. The best thing to do is speak directly with your mortgage broker so they can advise you on what source docu-mentation will be required.

As for the down payment, buyers tend to put as little as nothing to

as much as 25 per cent of the price down on the purchase of their new home. This usually comes in the form of accumulated savings, a withdrawal from their Registered Retirement Savings Plan or a gift from an immediate family member. If you are putting less than 10 per cent down, then you also have to con� rm that you have access to an additional 1.5 per cent of the purchase price for closing costs (such as legal fees, property tax adjustments and utility hook ups). We recognize that there are a number of different ways to acquire the down payment. I urge you to discuss with your mortgage broker how much of a down payment you have and where it is originat-ing in order for them to advise you on what documentation will be required.

If you get pre-approved and work with a mortgage broker to eliminate as many of the conditions as possible, you will � nd that arranging mortgage � nancing to be an extremely smooth process, and allow you to focus on other aspects of buying your new home.

As always, I welcome any questions or comments you may have regarding the information contained in my articles.

Until next month…


HomeBuyers’ ResouRce section

you love tHe Home, see wHat you can afford! Compare mortgage rates for your best deal

Calculate your mortgage payments using the mortgage payment calculation chart

h o m e b u y e r s ’ h e l p

01Calculate the combined monthly before-tax income

of you and your spouse.

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

to make on your home.

03Take the total price of the home and subtract the amount of money

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

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

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

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

1,000.

06Add to this your estimated monthly heating costs and

monthly property taxes.

07If this figure is equal to or less than one-third of your gross

monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home.

follow tHese stePs to see If you’ll QualIfyfor a mortGaGe on YouR DReAM HoMe

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

5.00% 18.84 10.58 7.88 6.57 5.81

5.25% 18.96 10.70 8.00 6.70 5.95

5.50% 19.07 10.82 8.13 6.84 6.10

5.75% 19.18 10.94 8.26 6.98 6.25

6.00% 19.29 11.06 8.39 7.12 6.39

6.25% 19.41 11.18 8.53 7.26 6.54

6.50% 19.52 11.31 8.66 7.40 6.69

6.75% 19.63 11.43 8.79 7.54 6.85

7.00% 19.75 11.55 8.93 7.69 7.00

7.25% 19.86 11.68 9.06 7.83 7.15

7.50% 19.98 11.81 9.20 7.98 7.31

7.75% 20.09 11.93 9.34 8.13 7.47

8.00% 20.21 12.06 9.48 8.28 7.63

8.25% 20.32 12.19 9.62 8.43 7.79

MORTGAGE PAYMENT CALCULATION CHART

AMoRtiZAtion PeRioDsInterestrates

% 5 yrs 10 yrs 15 yrs 20 yrs 25 yrs

cALcuLAte YouR mortGaGe PaymentsCALCULATE YOUR MORTGAGE PAYMENTS

TOTAL PRE-TAX Income

MONTHLY PRE-TAX Income

SPOUSE’S PRE-TAXIncome

amount of mortGaGe(PRICE – DOWN PAY-

MENT)dIvIde By 3

affordaBlemontHlyPayments

amortIZatIon amountcHart fIGure

amountof mortGaGe

dIvIded By 1,000

montHly Payments

amortIZatIon amount

estImatedmontHly

TAXES & HEAT

h o m e b u y e r s ’ h e l p


MoRtGAGe Interest rates

MORTGAGE TYPESALL MoRtGAGes ARe oF tWo BAsic tYPes:

conVentionALThe buyer can borrow up to 80% of the purchase price or the value of the property, whichever is less.The buyer has to pay 20% down. A conventional mortgage cannot exceed 80% of the value of the property.

INSURED OR HIGH-RATIO:A buyer can borrow up to 95% of the purchase price or the value of the property, whichever is less. The down payment can be as low as 5%.

MORTGAGE OPTIONSYou can choose any of these mortgage options which fit into the two basic mortgage types. Lenders may even customize these options to suit your needs.

oPen MoRtGAGe:Allows borrowers to repay all or part of the total amount of their mortgage at any time without penalty.

Because of flexibility, this is ideal for borrowers who plan to sell their homes in the near future or who want to switch from a short-term mortgage at high interest rates to a longer term when mortgage interest rates fall.

cLoseD MoRtGAGe:Usually has the lowest interest rate available but lacks the flexible features of other mortgage options.A good choice for those who want the security of knowing their monthly payment is fixed for a longer term.

Prepayment options are available but they are subject to conditions.

PoRtABLe MoRtGAGe:Flexibility if borrowers move. Borrowers can take the mortgage to their new home or can transfer it (usually with the consent of the lender) to the purchaser of their old home. This is an attractive option if the rate on the existing mortgage is lower than current rates.

aGf trust - 4.650 3.040 3.200 3.240 3.340 3.490

atB financial 2.600 4.000 3.100 3.140 3.550 4.390 3.040

Bank of montreal 3.100 4.000 3.000 3.040 3.550 4.540 5.140

Bank of nova scotia 3.100 4.550 3.750 3.890 3.990 4.390 4.990

cIBc mortgages 3.200 4.450 3.000 3.140 3.550 4.390 5.140

canadian western Bank 3.200 4.000 3.000 3.040 3.550 4.540 5.140

canadian western trust 3.200 4.000 3.000 3.040 3.550 4.540 5.140

first calgary financial - 4.000 2.390 2.670 2.790 2.890 2.950

first national financial 2.800 3.950 2.740 2.690 2.790 2.990 2.990

HsBc Bank canada 3.100 4.450 3.600 3.950 4.450 4.990 5.240

InG direct 3.000 - 3.000 3.000 2.790 2.990 3.080

Investors Group trust 3.000 4.000 3.000 3.140 3.550 4.540 5.140

laurentian Bank canada 3.200 4.400 3.090 3.140 3.550 4.540 5.140

london life 3.000 4.000 3.000 3.140 3.550 4.540 5.140

manulife Bank 3.000 4.450 3.000 3.050 3.100 3.100 3.090

manulife trust - 4.450 3.000 3.050 3.100 3.100 3.090

national Bank 3.200 4.000 3.100 3.140 3.550 4.540 5.140

Peace Hills trust - 4.500 3.100 3.350 3.550 3.850 3.950

President’s choice fin’l 3.200 6.040 3.140 3.200 3.240 3.350 3.440

royal Bank of canada 3.000 4.000 3.000 3.040 3.550 4.540 5.140

servus credit union - 4.000 3.000 3.040 3.550 4.390 5.140

steinbach credit union - - 2.500 2.600 2.700 2.800 3.000

t-d mortgage 3.200 4.000 3.000 3.040 3.550 4.540 5.140

your neighbourhood c.u. - - 3.150 3.250 3.350 3.390 3.190

VARiABLe 6 month 1 year 2 years 3 years 4 years 5 years

PRePAReD BY cAnneX on MAY 16, 2013. this information is current as of the date and time posted and is subject to change without notice. © copyright 2013 CANNEX Financial Exchanges Limited. All rights reserved.


INDEX OF ADVERTISERSREAD MORE ABOUT OUR ADVERTISERS!

Apex Developments Cover, 12 & 65

Artesia at Heritage Pointe 38

Bordeaux Developments 15

Blanket Home warranty 58

Baywest Homes 55

Brookfield Residential Communities 48

Cardel Homes 4

Cedarglen Homes 51

Dundee Developments 25 & 39

Excel Homes 17,45,49,33,41,11

Genesis Land Developments 34

Hopewell Residential Communities 37 &53

Jager Homes 40

Jayman Innovations 24

Jayman MasterBuilt 57

Landmark Homes 67

Prominent Homes Back Cover

Qualico Communities 21

Shane Homes 3 & 30

Tamani Communities 2

United Communities 10 & 29

Vesta Properties 32

Watermark at Bearspaw 16, 22, 27

Streetside Developments PULLOUT INSERTEvanston Square, Red Haus (NW) Hunter House (SW) Kintalla at Redstone (NE) PennCross (Okotoks) The Edge (Airdrie)


04 WESTPARKSHOWHOMES: 80 Westpark Court SW DEVELOPER: Dundee DevelopmentsBUILDER: Homes by Avi, Greenboro Homes, Prominent Homes

05 SPRING VALLEY ESTATESSHOWHOMES: 16 Spring Valley Land SWBUILDERS: Tudor, Legend Developments, Elegant

06 CRESTMONTSHOWHOMES: 53 Crestridge View SW DEVELOPER: Qualico BUILDERS: Augusta Fine Homes, Jaymack Custom Homes

07 PASKAPOO IN COUGAR RIDGE DEVELOPER: Apex DevelopmentsBUILDERS: Excel Homes and Shane Homeswww.paskapooatcougarridge.com

08 COULEE WAY ESTATESDEVELOPER: Coulee Way DevelopmentsBUILDER: Christal Homeswww.couleewayestates.com

09 CASTLE KEEPDEVELOPER: Dundee DevelopmentsBUILDERS: Homes by Avi, Morrison Homes, Shane Homes, Calbridge Homes, Greenboro Homes

10 ELMONT BAYBUILDERS: Westview Builders, Winwood Homes Showhomes Coming Soonwww.elmontbay.com

11 SEQUOIA IN SILVERADODEVELOPER: Qualico CommunitiesSHOWHOMES: Silverado Plains CircleBUILDERS: Broadview Homes, NuVista Homes, Sterling Homes

12 DRESSAGE IN SILVERADODEVELOPER: Qualico CommunitiesSHOWHOMES: Showhomes Coming soonBUILDERS: Baywest Homes, Augusta Homes

13 WESTLAND ESTATESBUILDERS: Baywest Homes, WestView Builders www.westlandestates.ca

14 WENTWORTH ESTATESBUILDERS: Prominent Homes

15 WEST GROVE ESTATESBUILDERS: Prominent Homes, Crystal Creek Homes, Lupi Luxury Homes

16 ASPENSHIREBUILDERS: Prominent Homes

01 EVERGREENSHOWHOMES: Everbrook Dr. SWDEVELOPER: GenstarBUILDERS: California Homes

02 CURRIE BARRACKSSHOWHOMES: J5 2953 Battleford Ave.BUILDERS: Birchwood Properties, Crystal Creek Homes, Home by Avi, Empire Custom Homes, Mission Homes, Greenboro Estate Homes, Greenboro Luxury Homes, Evolution by Greenboro, and Avi Urban

03 SILVERADOSHOWHOMES: Silverado Drv. SW, Silverado Skies SW, Silverado Blvd. SWDEVELOPER: United CommunitiesBUILDERS: Baywest Homes, Homes by Avi, Sterling Homes, Pacesetter Homes, Trico Homes, Creations by Shane Homes, Avi Concept, Shane Homes

›› SOUTHWESTCOMMUNITIES

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COCHRANE

CHESTERMERECHESTERMERE SHOWHOMES: 80 Westpark Crt., Rainbow Falls Manor DEVELOPER: Truman Developments BUILDER: Shane Homes, Jager Homes, Lifestyle Homes, Beattie Homes, Lionsworthe Homes, Douglas Homes

WESTMERE DEVELOPER: Melcor BUILDERS: Landmark Homes, Lifestyle Homes, Reid Built Homes

SHORES On WESTMERE DEVELOPER: Melcor BUILDERS: Homes by Avi, Albi Homes

kInnIBURgH DEVELOPER: Pollyco Developments BUILDERS: Stepper Custom Homes, Canterra custom homes, Sterling Homes, Lifestyle Homes, Douglas Homes, Westridge Homes, Broadview Homes

04 BUffaLO HILLS (coming soon) BUILDERS: Prominent Homes Douglas Homes, Klair Custom Homes Prominent Homes, Mapeland Homes

LakEPOInTE DEVELOPER: Mattamy Homes BUILDER: Mattamy Homes Sales centre 400 Westpark Dr.

LangDOn01 BOULDER CREEk

DEVELOPER: Harmony Park BUILDERS: Shane Homes, Stepper Custom Homes, Carpenter Homes

02 HanSOn PaRk DEVELOPER: Hanson Park Developments BUILDERS: Canaco Homes Ltd, Ovation Homes Ltd, Stepper Custom Homes Ltd, Douglas Homes

STRaTHMORE THE RanCH In STRaTHMORE SHOWHOMES: 200 Ranch Downs DEVELOPER: United BUILDERS: Lifestyle Homes

WILDfLOWER RanCH In STRaTHMORE DEVELOPER: Cancorp Property Group Inc. BUILDERS: Carpenter Homes, Paradyme Homes, Aquilla Homes and Canterra Custom Homes

LyaLTa03 THE LakES Of MUIRfIELD

SHOWHOMES: Muirfield Blvd. BUILDERS: Douglas Homes, Today’s Homes, Ribero Homes and Compass Rose Homes

34

2

1

›› CaLgaRyREgIOnEaST

nOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.


067-Landmark 05-24-13.indd 67 5/15/13 12:32:18 PM

Showhome Located at:4 Drake Landing Hill

Quick Possessions Available!www.ProminentHomes.ca

call: Corey Cameron | 403.982.2022email: [email protected]

DROP EVERYTHING!

Prominent Homes just opened a new Drake Landing Showhome in Okotoks!

NEW SHOWHOME

NOW OPEN

068-Prominent 05-24-13.indd 68 5/15/13 12:32:20 PM

calgary new home guide - may 24, 2013

Documents

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