southwestern ontario new home and condo guide - april 13, 2013

NH_CitySquare_NHC Cover_Apr06_F.pdf 1 13-04-05 4:23 PM

INSIDE THIS ISSUE

LONDON: CITY OFGROWTH & OPPORTUNITY

THE BENEFITS OFBUYING A NEW HOME

CONDOS ON THE RISEIN BURLINGTON

April 13 - 27, 2013 Volume 16 Issue 07

CITYSQUARE CONDOSREACHING NEW HEIGHTS IN HAMILTON

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APRIL 13 - 27, 2013 | NEW HOME & CONDO GUIDE SWO 7

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contents APRIL 13 - 27, 2013 || VOLUME 16 ISSUE 07

NEW HORIZON DEVELOPMENTS New condos on the horizon in the Durand District

p.14cover story

IN EVERY ISSUE

10 EDITOR’S NOTE

75 HOT DATES

76 AD INDEX

COLUMNISTS

36 BUILDING BLOCKS The bountiful benefits of buying a new home by Jeff Paikin

77 FUNDAMENTALLY SPEAKING Learning about mortgages is time well spentby Wayne Karl

IN THE NEWS

46 TARION AWARDSNew-home builders are leaders in customer service excellence

48 BURLINGTONa favoured market as condo growth heads higher

regular and special features

52 TOBYN PARK HOMESParkCity Condos releases short film series

54 EMPIRE COMMUNITIEScelebrates 10 BILD Award nominations

HOMEBUYERS’ HELP

26 CITY FOCUS London: a city of growth and opportunity

71 HOMEBUYERS’ RESOURCES Mortgage Calculator & Rate Table

14 HAMILTON New Horizon DevelopmentsNew condos on the horizon in the Durand District

62 KITCHENER Mattamy HomesSpring is a perfect time to see Mattamy’s Wildflowers

68 KITCHENER TerraView HomesIt’s even easier to reach Edgewater Estates in Kitchener

78 THOROLD Great GulfDiscover fresh new lots in Phase 2 at Thorold Rolling Meadows

community focus features

66

60

78

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HOME

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VICE-PRESIDENT, WALL2WALL MEDIAJacqueline Hill

ASSOCIATE PUBLISHERSusan Maxwell

EDITOR-IN-CHIEF, NATIONAL REAL ESTATESusan Legge

ART DIRECTORDaiana Garay

EDITORWayne Karl

CONTRIBUTING EDITORSSara DuckElisa KrovblitLydia McNutt (on leave)

DISTRIBUTION & SALES CO-ORDINATORJennifer Bistron

ADMINISTRATIVE ASSISTANTAntoinette Jackson

MANAGER OF PRODUCTIONBala Gnanapandithan

CO-ORDINATOR Laura Northmore

GRAPHIC DESIGNERDhaval Naik

NATIONAL ACCOUNT MANAGER, MEDIATIVE Paul Slizys

CONTRIBUTING WRITERSJoanne KeenanJeffrey Reed

PUBLISHED BY

Wall2Wall Media is a trademark of Yellow PagesGroup Co. in Canada.

#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. 9-12

CIRCULATION: 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 2013: 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.

e d i t o r ’ s n o t e

Is there a positive to buying a new home in our current economic climate? You bet there is.

When you buy from a new-home builder, your investment is backed by Tarion Warranty Corp. It protects your deposit before the home is built and it offers protection against defects in work and materials, unauthorized substitutions and delayed closings or occupancies after the home is constructed.

What are the other positives of buying a new home? Prices are extremely competitive at this time and interest rates are low. If you think posted rates look good, ask your bank or mortgage broker if they can do better.

While no one can guarantee what their home will be worth in the next 10 or 20 years, ask a recent new-home buyer what the value of their home is now. Chances are, they will smile. There has been a steady increase in the price of new homes, especially in communities with new amenities such as schools, shopping and transit. There are no rules about what exactly a builder or sales representative must tell you about your prospective new neighbourhood, so do your homework and examine the area.

The media often stresses the negative side of the story. It’s time to make solid investment decisions, and look beyond the doom and gloom. Investigate how you can make Canada’s economic environment work for you.

Happy new-home hunting!

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

Follow me on Twitter at Twitter.com/SusanLegge

Solid investment decisionsbegin at home

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.

Buying a home is a dream for many Canadians, but with rising prices, increasingly tight mortgage regulations and reports of questionable market

conditions in some areas and housing categories, where to begin?

With careful planning and research, that’s where. Indeed, Canadians are showing that despite any

challenges facing the real estate market, they are taking the time to learn what they need to, and to make rational, informed choices.

A new survey from Genworth Financial Mortgage Insurance Company Canada reports a significant rise in

the number of recent first-time buyers who put down more than 20 per cent of their home’s purchase price – 56 per cent, up from 36 per cent last year.

Other new research, the BMO First-Time Home Buyer’s Report, indicates that two-thirds of first-time buyers say the latest changes to mortgage regulations – which reduced the maximum amortization for government-insured mortgages to 25 years from 30 – have not affected their buying timeline. Many even favour a 20-year amortization.

By saving longer for larger down payments, and aiming to pay off their mortgages sooner, clearly, Canadians are becoming increasingly responsible about these important homebuying steps.

Wayne Karl EDITORWall2Wall Media, [email protected]

Follow me on Twitter at Twitter.com/WayneKarl

Making informed choicesCanadians are making rati onal decisionswhen it comes to buying their fi rst home

newhomeandcondoguide.com

10 NEW HOME & CONDO GUIDE SWO | APRIL 13 - 27, 2013

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* See Sales Representative for details. Illustrations are artist’s concept. Prices and specifications subject to change without notice.

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c o v e r s t o r y

City Square, Parkside Condos by New Horizon Developments is quick ly approaching the

“topping off” stage as construc-tion crews diligently work towards the Tower 1 completion. The New Horizon Development Group will commemorate this milestone event of this much celebrat-ed building with a residents’ and local dignitary’s event. “We are really excited to be able to contribute to the residential building fabric of downtown Hamilton,” says Jeff Paikin, president of Hamilton-based New Horizon Development Group.

City Square’s Parkside Condos are the � rst of three towers that are reshaping the downtown skyline in Hamilton. “This is a very exciting stage of our City Square Condo Community,” says Paikin. “We have

NEW CONDOS ON THE HORIZON IN THE DURAND DISTRICTCity Square Condos adding new heights of

sophistication to historic neighbourhood

moved in our � rst homeowners into our Parkside Condo – the � rst of our three condos at City Square. Tower Two has been selling very well and we have started construction.”

There are a handful of suites still available in Tower One. “This is the perfect opportunity to act now,” says Paikin. “You can purchase a suite and start enjoying the many bene� ts of carefree condo living this season – just in time for spring walks in the park and summer patio life on Locke Street and Hess Village.”

The City Square community continues to attract interest from a wide range of buyers. “We have drawn in professional couples and empty nesters looking for a low-maintenance urban lifestyle, and singles who work and play in the downtown core. They have all been drawn to the condo’s quality offering and superb location. Our purchasers have strong ties to Hamilton’s Heritage. They enjoy the local restaurants, shopping, and rich culture of the community,” he says.

City Square’s condo plans offer smart space planning and contempo-rary living inside and out. Floorplans have open-concept layouts, ideal for easy entertaining and comfortable living. There are no wasteful corridors, so usable space is maximized. All suites have large outdoorliv-


014-015 Cover Story New Horizon_DN-WK.indd 14 4/11/13 1:31:55 PM

NEW HORIZON DEVELOPMENTS City Square

ing areas, with good storage space including a handy storage locker. Paikin reports that “there are plenty of options from one-bedroom, one-bedroom plus den, and two bedroom layouts, all with classic features and � nishes that are stylish and offered standard. This appeals to our buyers and investors who appreciate the level of � nish and built-in value.”

There are also plenty of well-designed com-mon area spaces for residents and their guests to enjoy at City Square. From the spacious lobby lounge and ground level landscaped courtyard, to the media room with its big screen and the-atre seating, as well as the spectacular rooftop terrace for sensational summer enjoyment. City Square has an abundance of fun and functional spaces and places that are an extension of your condo suite.

In addition, a select few extraordinary penthouse suites still available in City Square’s Parkside Condo. These spacious and elegant penthouses offer panoramic views, huge ter-races; formal features and � nishes in a stunning open � ow plan. “They are the best of classic and contemporary living – perfect for carefree upscale city condo living,” says Paikin.

Whether a � rst-time buyer, smart sizing move or embracing a luxury penthouse lifestyle, City Square is a unique opportunity to get a brand new, carefree and affordable condo in the heart of the desirable Durand District.

To celebrate the � rst occupancies, New Ho-rizon is offering buyers at City Square Tower One and Condo Lifestyle Bonus Package con-sisting of a 42-in. � at screen TV, cable and in-ternet for a year, a � ve-piece appliance package and a $1,000 to spend at New Horizon’s Décor Centre as you choose.

Act now, save money and move this summer! Visit mycitysquare.ca

Hamilton

LOCATION

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HOUSING TYPE

mycitysquare.ca

CONTACT


014-015 Cover Story New Horizon_DN-WK.indd 15 4/11/13 1:31:58 PM

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Sizes, prices and specifications are correct at press time and subject to change without notice. All illustrations are artistʼs concept. The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. *See sales representative for complete details. E.&O.E.

59

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BILD 2012 HOME BUILDER OF THE YEAR CHBA 2011 GRAND SAM AWARD WINNER

Sizes, prices and specifications are correct at press time and subject to change without notice. All illustrations are artistʼs concept. The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. *See sales representative for complete details. E.&O.E.

59

401

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Oxford Rd 17

Mill S

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ranium Homes has created a Itt’’s’sss h here ee e tht at Gerection of detached and semi-link seeensnnsnssssssatattatatataaaa ioiooioioiooonan l collens with available loft options to bubuuuuuuuuuuuunnngggaaaaloooowwwww designr lifestyle. cccccccoccocococ mmpmppmpmpleemmmeem nnnt you

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new releasesauburn developments London | Foxfield CommunityA variety of housing options are available in this community, including single-family lots.auburndev.com

rembrandt homes London | River WestThird and final phases coming soon for this bungalow condos surrounded by a beautiful garden oasis.rembrandt-homes.ca

sifton properties Ingersoll | HarrisViewSingle-family homes on 40- to 50-ft. lots, with some wooded and pond-view lots available.sifton.com

CaChet reid heritage homes London | CopperfieldFinal single-family homes available in this community. Single-detached designs close to schools, shopping, recreation and parks.cachetreid.com

LONDON

BayFIeLdBLytHCLIntonGRand BendInGeRsoLLLondonMItCHeLLseaFoRtHsHakespeaRest.tHoMasstRatFoRdtaVIstoCktILLsonBuRGWInGHaMWoodstoCk

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 openingsgeranium homes Woodstock | the Village at sally Creek Model home grand opening – semi-linked and fully detached bungalows and bungalow-lofts in this adult lifestyle community.geraniumhomes.com

Claysam homes Woodstock | sally Creek Premium twin town designs now including finished basements. claysamhomes.com

New

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20 NEw hOmE & cONDO gUIDE SwO | april 13 - 27, 2013

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401

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low

adult life

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ingersoll Sifton HarrisView • from the $280's 25

london eaStforeSt homeS Andover Trails • from $139,990 60

north london Sifton Ballymote Woods • from low $300's 25

South london Sifton Andover Trails • from mid $300's 25

South london Sifton Westwood Village • from low $300's 25

tillsonburg tillSonburg developmentS Baldwin Place • • • from $225,900 24

West london Sifton RiverBend • • • from the $280's 25

Woodstock claySam homeS Neighbourhoods of Devonshire • 23

Woodstock geranium homeS The Village of Sally Creek • • from $289,900 16&17

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april13-27,2013| new home & condo guide swo 21

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Famous Londoners, too, have put the city on the map in a big way. Big band leader Guy Lombardo and His Royal Canadians hailed from London. So do actors Hume Cronyn, Victor Garber and Rachel McAdams, Country singer Tommy Hunter, Cana-dian Baseball Hall of Fame’s George “Mooney” Gibson and Canadian Golf Hall of Fame’s Sandy Sommerville. More recent local heroes include 2010 Winter Olympic Ice Dancing Gold Medalists Tessa Virtue and Scott Moir. The list goes on. Banting House Museum and its Flame of Hope rec-ognizes Sir Frederick Banting and is a National Historic Site remember-ing the former Londoner’s research en route to his co-discovery of insulin.

Today, London’s demographics showcase a diverse, multicultural mosaic, with English, Scottish, Irish, German, Italian and Latin ethnic origins all heavily represented.

Not to be tightly defined, London’s commercial identity demonstrates

The city of London is much more than the hub of southwestern Ontario. True, the city of 360,000 residents (470,000 including surrounding vil-lages and towns) is known as The Forest City for its abundance of urban

forests. Yet London offers a cornucopia of sights and sounds that truly make it a beloved destination, and concurrently the perfect place to call “home.”

The history of London dates back to 1793, when Lieutenant-Governor John Graves Simcoe selected the Forks of the Thames as his choice for the future site of the province’s capital. Indeed, the Thames River winds its way through much of the sprawling city. The present site of London’s Old Court House was Colonel Thomas Talbot’s choice to house provincial government buildings, but this decision did not come to fruition, as Toronto was chosen over London.

In 1838, soldiers moved into London’s Victoria Park, today a centrally located gorgeous greenspace and host to a number of summer music and art festivals. Covent Garden Market, still a magnet for downtown London, was established in 1845. This era also saw commercial and industrial growth, thanks to John Labatt and Thomas Carling. Labatt Breweries remains an important part of London’s business sector and city identity.

London’s population in 1848 stood at 4,584. The town was incorporated as a city on Jan. 1, 1855. New institutions including St. Joseph’s Hospital, now a part of London Health Sciences Centre, were established in the 1870s. In 1874, the London Life Insurance Co. was founded; it remains a city staple. In 1914, on the eve of First World War, London’s population stood at 55,000.

London’s population was boosted by 60,000 people with a 1961 annexa-tion, and by 1976 there were 250,000 residents. Another annexation in 1991 changed the city forever.

c i t y f o c u s

LondonA city of growth and opportunity


026-027 City Focus_London_JY-MT-WK.indd 26 4/11/13 1:32:07 PM

a diverse fl avour. Manufacturing, health care and social assistance, retail, education and accommoda-tion/food services top London’s in-dustrial chart. A combined effort from the city, the London Econom-ic Development Corp. (LEDC), London Chamber of Commerce and Tourism London ensures the city remains vibrant in its efforts to attract business and cater to its resi-dents who love the small-town feel within a large city.

London’s economic diversity comes from such large companies as Labatt Breweries and London Life, and it’s home to the Canadian headquarters or major production centre for 3M Canada, EllisDon, Kellogg Canada, Diamond Aircraft and Trojan Technologies. And thanks to a growing advanced communica-tions infrastructure and well-quali-fi ed workforce, London is also the location of choice for many customer call centres.

An increasingly diverse economy has allowed London to endure cycli-cal downturns in certain sectors and it provides a strong base from which to expand. Manufacturing is still the largest sector, employing more than 38,000 people or about 16 per cent of the overall workforce.

The LEDC continues to aggres-sively pursue the sectors that have been the foundation of London’s economy in the past, including the automotive parts and food processing

industries, and is also dedicated to the expanding in information technology and life sciences.

London also boasts a wealth of local attractions, such as the Western Fair Raceway, Fanshawe Pioneer Village, Boler Mountain, the Royal Canadian Regiment Museum, Museum London, Theatre London, London Regional Children’s Museum and Storybook Gardens.

While the city continues to grow, it remains affordable. The average home price in London as of January 2013 was about $231,252, with two-storeys and bungalows among the popular choices. London’s north end is growing substan-tially. New highrise condominiums are being erected in a rejuvenated city core. Numerous builders have long seen the potential from developing communities in the city, as Sifton Properties and Fusion Homes have projects underway. In neighbouring communities New Hamburg, St. Thomas, Tillsonburg and Woodstock, Senator Homes, Geranium Homes, Claysam Homes, Stonecroft Homes, Doug Tarry Homes, Gentrac Homes, Fusion, Van El Condominiums and Tillsonburg Developments all have new-home offerings.

The south end of London lies at a junction of Hwys. 401 and 402, an im-portant landmark symbolic for commerce, industry and trade, situating the town conveniently just two hours east of Detroit and two hours west of Toronto.

Healthcare and education are important to the London area. London Health Sciences Centre, including Victoria and University hospitals, provides a growing population with health services and research. London is also home to Fanshawe College of Applied Arts & Technology, and the University of Western Ontario.

London is a big sports town, too. The University of Western Ontario Mus-tangs have captured numerous national titles in everything from football to squash. The London Knights of the Ontario Hockey League have a new home at the John Labatt Centre. The London Majors of the Intercounty Baseball League play at Labatt Park – the oldest baseball venue in North America. London is also known as the Golf Capital of Canada, with more than 100 public courses within an hour’s drive of the city’s core.

POPULATION360,000MAJOR EMPLOYERSAdvanced manufacturing, education, life sciences, financial servicesAVERAGE HOME PRICESJan. 2013: $231,252Jan. 2012: $224,472DISTANCE FROM TORONTO160 kilometres

London at a glance

SouRce Canadian real Estate associati on, City of london, other sources; photos courtesy of Tourism london

april 13 - 27, 2013 | New home & coNdo guide Swo 27

026-027 City Focus_London_JY-MT-WK.indd 27 4/11/13 1:32:18 PM

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preview registrationdawn victoria homes Ancaster | evergreens on southcote Pre-construction pricing ends soon for these custom bungalow, bungaloft and two-storey home designs on 42- and 50-ft. lots. dawnvictoriahomes.com

cambridge homes Beamsville | Brownstones at the vineyards Pre-register for Phase 2 of Brownstones – two-storey towns near the wineries of Beamsville Bench. golfiteam.com

spallacci homes hamilton | eden Park Coming soon to Hamilton West Mountain – chateau-inspired semis collection. Register for VIP privileges. spallaccihomes.com

bayview-wellington homes niagara | niagara on the green Register now for these executive townhomes backing onto the Royal Niagara Golf Course. bwhomes.ca

dawn victoria homes Burlington | village West register now for this small enclave of urban townhomes on Plains Road West. Ideal for commuters and young families due to proximity to the GO station, QEW, parks and downtown. dawnvictoriahomes.com

rosehaven homes Ancaster | tiffany hill Coming fall 2013 – Phase 2 release of towns, 36-, 40- and 45-ft. lots from the $400’s. rosehavenhomes.com

rosehaven homes Waterdown | Waterdown meadows Coming spring 2013 – Phase 2 limited release of 35-, 40- and 45-ft. lots from the $400’s. rosehavenhomes.com

rosehaven homes/ homes by desantis stoney creek | on the ridge Coming fall 2013 – towns, semis, 35- and 40-ft. lots from the mid $200’s. liveontheridge.ca

new openingsmenkes & fernbrook homes oakville | millstone on the Park Grand opening of Oakville’s only urban towns with rooftop terraces. millstonepark.ca

branthaven homes Binbrook | celebration Grand opening of this two-storey townhome collection in Binbrook’s only forest-edged lots. branthaven.com

mountainview homes Welland | harvest estates New model home grand opening at this community of single-detached homes. mountainview.com

homes by desantis niagara falls | lyon’s creek Summer closings are available in this community of detached two-storey homes, as well as bungalows and bungalofts. homesbydesantis.com

phelps homes grimsby | the Bedford collection Model home now open at this private enclave of 28 bungalows a short walk from downtown Grimsby. bedfordcollection.ca

eastforest homes Brantford | d’Aubigny forest estates New model now open for these singles on 40-ft. lots. eastforesthomes.com

bayview wellington homes st. catharines | victoria village New model homes grand opening – affordable lifestyle, overlooking the historic Welland Canal. bwhomes.ca

new releasesempire communities stoney creek | victory New release of two-storey townhomes from $269,990. victoryempire.com

rosehaven homes chippawa | lyon’s creek Coming soon – model homes plus new release of 50-ft. detached lots. rosehavenhomes.com

rosehaven homes thorold | gibson heights Coming soon – new release of towns and model homes. rosehavenhomes.com

spallacci homes hamilton | eden Park Phase 4 release of exceptional 32- and 40-ft. lots. spallaccihomes.com

mattamy homes oakville | the Preserve Now open – a new release of village homes and 34-, 38- and 45-ft. detached homes. mattamyhomes.com

New

watchHome

april 13 - 27, 2013 | nEw homE & conDo gUIDE Swo 29

029 Sneak Previews HAMILTON_DN-WK.indd 29 4/11/13 1:32:24 PM

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ancaster dawn victOria HOmes Evergreens on Southcote • • from the $390's 42

ancaster rOseHaven HOmes Tiffany Hill • from $460's 38

ancaster winzen The Kensington • from low $200's 44

Beamsville HOmes By desantis Lincoln Square • • from $249,900 11

Beamsville camBridge HOmes Brownstones at the Vineyards • from $246,900 39

Binbrook BrantHaven HOmes Celebration • from $246,990 13

Brantford emPire cOmmunities Wyndfield • • from $191,990 2&3

Burlington adi develOPment Mod'rn Condominium • from the $200's 50

Burlington tOByn Park HOmes ParkCity • from the $180's 53

caledon mOnarcH The Village of SouthFields • • from high $300's 40&41

chippawa rOseHaven HOmes Lyon's Creek • • from low $300's 38

georgetown menkes The Enclaves of Upper Canada • • from low $400's 35

grimsby BrantHaven HOmes Bravo! By the Lake • from $219,990 13

grimsby Bucci HOmes Bliss • from mid $260's 51

guelph vanmar V2 Condos • from high $220's 61

Hamilton cOuntry green HOmes WestBloom • from $329,900 7

Hamilton emPire cOmmunities Summerlea • from $242,990 2&3

Hamilton marz HOmes Woodview • from $229,990 47

Hamilton new HOrizOn City Square • from $202,990 37

Hamilton sPallacci HOmes Eden Park • from low $300's 33

Hamilton winzen Stoneridge • from the $300's 44

niagara mOuntainview HOmes Thundering Waters • • • from high $200's 9

niagara PHelPs HOmes Brookside • • • from mid $200's 45

niagara PHelPs HOmes Streamside • • from mid $300's 45

niagara on the lake Bw HOmes Niagara on the Green • • • from low $200's 5

Oakville menkes Millstone • from $309,990 34

Port dalhousie augustine grOuP cOrPOratiOn Port Place • from $297,990 43

smithville PHelPs HOmes Harvest Heights • • from the $270's 45

st. catharines Bw HOmes Victoria Village • from $289,900 4

stoney creek emPire cOmmunities Victory • • from $269,990 2&3

thorold great gulf Thorold Rolling Meadows • from $299,990 78&79

thorold rOseHaven HOmes Gibson Heights • • from $240,000's 38

31

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The bounti ful

b u i l d i n g b l o c k s

ONCE YOU START HOUSE HUNTING, ONE OF YOUR FIRST

steps will be to see what new-home builders have to offer in your desired community. New homes have stepped up to win the hearts and minds of homebuyers, as we’ve seen an un-precedented explosion in new home construction and buying. Once considered a luxury reserved for the rich and famous, new construction has opened the door to all price ranges and styles, including highrise condominiums, townhouses, active adult communities and single-family homes.

Those who have purchased a newly built property will agree that there are fewer experiences more gratifying than watching your home emerging from the ground up.

CUSTOMIZATION

One of the primary reasons homebuyers are so drawn to new builds is that they get to customize just about everything with their new home. Buyers have an abundance of design, colour and material options.

Keep in mind the freedom of choice associated with buying new extends beyond � xtures and � nishes. Don’t overlook the convenience and comfort afforded by modern � oorplans and layouts. Lifestyle needs are different from even 10 years ago, and resale homes often lack the � ow and space to satisfy. Take a tour of many existing homes and you’ll � nd poor layouts and wasted or unusable space. Builders today seek an integrated approach to family living with many of their designs. Friends and family often gather in the kitchen and cooking becomes a group project. Most people don’t want to be far from a TV or the rest of the family when they’re in the kitchen. “Family rooms” are placed next to the kitchen and eating areas to blend into one informal living space. Today’s kitchens are often larger than those found in older homes and feature many time-saving conveniences.

ENERGY EFFICIENCY

Energy ef� ciency is another major advantage new homes enjoy. There was a time in the recent past when eco-friendly upgrades were considered a luxury, reserved for those who could “afford

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] JEFF PAIKIN

to care” about the environment. This is no longer the case. Energy ef� cient features that were once pricey upgrades have become industry standards for all new homes. In fact, new-home builders are required by law to meet stricter energy codes than ever before. Many existing homes were built when energy codes were either more lenient or in some cases non-existent. Individuals who are committed to reducing their carbon footprint should keep in mind that it is far more cost effective to implement energy saving features in a newly built home than to retro� t an existing house.

WARRANTY

Another great advantage of buying a new home is the war-ranty. Purchasing a home is a signi� cant investment, and you want to make sure it is well protected. In Ontario, every new home comes with a seven-year Tarion warranty, which covers major structural defects. For more information on Tarion warranties, visit tarion.com

PRICING

Make sure to take the time to compare the prices of existing homes to those of comparably-sized new homes. In many cases, it’s actually cheaper to build new than it is to buy an existing home. Most homeowners looking to sell cannot offer the in-centives or attractive � nancing options builders can. In the resale market, buyers are often in competition with others and can be outbid. This process can be quite distressing for prospective buyers, who may have to agonize over the price to be offered and at the end of the day have nothing to show for their efforts. Contrast this with buying new – where usually a small deposit provisionally secures the property – and gives the buyer a reasonable time to get the mortgage in place, see a solicitor and then conclude the contract.

Fortunately, Southwestern Ontario is home to hundreds of reputable homebuilders, both big and small, that are com-peting for your business... and when builders compete, the buyer bene� ts!

Happy Hunting!

BENEFITS OF BUYING NEW


036 Jeff Paikin Building Blocks_bountiful benefits_DN-WK.indd 36 4/11/13 1:32:35 PM

ALL RENDERINGS ARE ARTIST’S CONCEPT. PRICES, SIZES AND SPECIFICATIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. E.&O.E.

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037-New Horizon 04-13-13.indd 1 4/10/13 5:19:39 PM

For directions, hours, community information, visit: rosehavenhomes.com • (1-888 / 416) 410-0175Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands.

Chippawa / Niagara - Lyon’s CreekComing Soon New Release of

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Lyon’s Creek Blvd. & Sodom Rd., east of the QEW

Thorold - Gibson HeightsNew release of detached lots! 45’, 40’ & 36’ lots from $300’s, towns, semis &

attached singles from the $240’s.Richmond St. & Winterberry Blvd.,

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Ancaster - Tiffany HillInventory homes available! Luxury stone,

stucco & brick detached homes on 45’ lots from the $460’s & 4 models to tour.

Garner Rd. E. & Raymond Rd., east of Hwy. 6

It’s the feeling Rosehaven designs into some of the most desirable homes in Southern Ontario. Homes that are as unique as you are. So choose Rosehaven and every time you step through

the front door you’ll say I am happy, I am comfortable… I am home!

COMING SOON: Stoney Creek - On The Ridge - At Upper Centennial Pkwy and Mud St. W, south of the QEW. Register at liveontheridge.ca

Waterdown - Waterdown Meadows - Limited release of detached lots. Register at waterdownmeadows.com

Also building communities in Oakville, Nobleton, Brampton & Kleinburg

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038-Rosehaven Homes 03-30-13.indd 38 4/10/13 5:19:44 PM

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039-Cambridge Homes 04-13-13.indd 39 4/11/13 10:41:52 AM

MONARCHGROUP.NET Prices, speci� cations and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Square footage includes fi nished space in lower level. E.&O.E. March 2013. 20833.

Like us on: facebook/monarchcorp

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NEW NAME. NEW DESIGNS. SAME GREAT COMMUNITY.NOW AVAILABLE

SINGLES & TOWNHOMESMonarch is excited to introduce the next phase of the masterplanned community in the heart of Caledon. Strawberry Fields has now flourished into the Village of SouthFields offering all the vibrancy and charm you would expect from an established community, with a new, more all-embracing name.

5 MODEL HOMES TO VIEW

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Enjoy incredible buyer incentives at all of our communities and make your dreams of a new home come true today.

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PRESENTATION CENTRE: Waterville Way, Caledon, ONTelephone 905.843.8989Mon. – Thurs.1pm – 8pm,Fri. 12pm – 5pm, Weekends & Holidays 11am – 6pm

It’s never been a better time to buy a Monarch home. Enjoy incredible buyer incentives at all of our communities and make your dreams of a new home come true today.

INVENTORY HOMES AVAILABLE WITH $50,000 DESIGN STUDIO BONUS AUGUST CLOSINGS AVAILABLE

MONH 20833 SF CAL NH&C SWO March 13_V2.indd 1-2 13-03-13 12:06 PM

40

040-041-Monarch 03-16-13.indd 40 4/10/13 5:19:52 PM

MONARCHGROUP.NET Prices, speci� cations and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Square footage includes fi nished space in lower level. E.&O.E. March 2013. 20833.

Like us on: facebook/monarchcorp

Follow us on:twitter @monarch_group

NEW NAME. NEW DESIGNS. SAME GREAT COMMUNITY.NOW AVAILABLE

SINGLES & TOWNHOMESMonarch is excited to introduce the next phase of the masterplanned community in the heart of Caledon. Strawberry Fields has now flourished into the Village of SouthFields offering all the vibrancy and charm you would expect from an established community, with a new, more all-embracing name.

5 MODEL HOMES TO VIEW

Old School Rd.

Waterville Way

N

Kenn

edy

Rd.

Kenn

edy

Rd. H

eart

Lak

e Rd

.

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onta

rio S

t./ H

wy.

10

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PRESENTATIONCENTRE

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0

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43’ SINGLES• New designs and designs with

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TWO STOREY TOWNHOMES• Up to 2,010* sq. ft.• Open concept two storey

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Buy Monarch. Be Happy. It’s never been a better time to buy a Monarch home.

Enjoy incredible buyer incentives at all of our communities and make your dreams of a new home come true today.

SALESEVENT

PRESENTATION CENTRE: Waterville Way, Caledon, ONTelephone 905.843.8989Mon. – Thurs.1pm – 8pm,Fri. 12pm – 5pm, Weekends & Holidays 11am – 6pm

It’s never been a better time to buy a Monarch home. Enjoy incredible buyer incentives at all of our communities and make your dreams of a new home come true today.

INVENTORY HOMES AVAILABLE WITH $50,000 DESIGN STUDIO BONUS AUGUST CLOSINGS AVAILABLE

MONH 20833 SF CAL NH&C SWO March 13_V2.indd 1-2 13-03-13 12:06 PM


040-041-Monarch 03-16-13.indd 41 4/10/13 5:19:53 PM

Custom bungalow, bungaloft & 2-storey home designs on 42’ & 50’ lots.Fifty-seven homes are only minutes from olde Ancaster and its shops and boutiques, while new adventures

in the city or country await. Designed for you, your family, your life – everything you’ll ever need.

Make an evergreens home your forever home.

F R O M T H E $390s

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Live the good life on up to 60’ lots in wine country. It seems like small towns have become big towns. Big towns are small cities. What if you could have the best of both worlds, and live just minutes from everything, yet wake up to the sound of, well, nothing. We’re talking beautifully crafted homes surrounded by wine country and farmers’ markets. Instead of traffic jams you’ll have conservation areas, bike trails and homemade pies just a hop, skip and a jump away. Starting to sound pretty good isn’t it?

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045-Phelps Homes 04-13-13.indd 45 4/10/13 5:20:04 PM

TARION WARRANTY CORP. HAS ANNOUNCED the � nalists for the 2013 Tarion Awards of Excel-lence, the only awards in Ontario that recognize new-home builders based solely on their customer service delivery.

“Exceptional customer service is the cornerstone of building a positive experience with new homebuy-ers,” says Tarion President and CEO Howard Bogach.

“The 2013 Tarion Awards of Excellence � nalists have demonstrated that they are committed to providing a superior experience for new home buyers by pro-viding � rst-in-class after-sales service.”

Finalists were determined based on the results of a comprehensive survey sent to more than 40,000 Ontario homeowners who took possession of a new home between Oct. 1, 2011 and Sept. 30, 2012. More than 6,800 survey responses were received, representing 17 per cent of consumers who bought a new home in Ontario during that time. The results were tabulated by Crunch Research in partnership with Harris Decima.

Survey questions focused on homeowners’ sat-isfaction with their builder, covering every stage in the homeowner-builder relationship from the signing of the Agreement of Purchase and Sale, through construction and the pre-delivery period, to after-sales service.

To qualify for the Awards, builders must have at least � ve new home possessions during the survey time frame and a speci� ed number of completed questionnaires must have been received.

Award recipients will be announced at a lun-cheon in Toronto on Tuesday, April 23, 2013.

The following new-home builders compete in four award categories: small, medium, large volume and highrise.

HIGHRISE BUILDER CATEGORY(More than 100 highrise possessions per year)› The Daniels Corporation, Toronto› Del Ridge Homes, Markham› Monarch Corporation, Toronto› The Tricar Group, London› Tridel, Toronto

LARGE VOLUME BUILDER CATEGORY(More than 100 possessions per year)› Branthaven Homes, Burlington› Fusion Homes, Guelph› Menkes Developments Ltd., Toronto› Monarch Corporation, Toronto› Pidel Homes, Guelph

MEDIUM VOLUME BUILDER CATEGORY(21-100 possessions per year)› Grimesway Construction Ltd., Lindsay› Klemencic Homes, Trenton› Mirtren Builders, Trenton› Terra View Homes, Guelph› Wrighthaven Homes Ltd., Elora

SMALL VOLUME BUILDER CATEGORY(5-20 possessions per year)› Marlo Homes Inc., Tecumseh› Medway Homes, Arva› Parry Homes Inc., London› Southridge Heights Inc., Tillsonburg› Triple T Holdings Ltd., Peterborough

Like Tarion on Facebook at facebook.com/tarionwarrantycorp for more informati on about the 2013 Awards of Excellence.

i n t h e n e w s

NEW-HOME BUILDERS ARE LEADERS IN

customer service excellence


046 News Tarion Awards_CW-MT-WK.indd 46 4/11/13 1:32:49 PM

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047-Marz-Paramount 04-13-13.indd 1 4/10/13 5:20:20 PM

BURLINGTON IS A FAVOURED MARKET FOR condo development in the coming months and years. With provincial government regulations tightening development restrictions in cosmopolitan areas of the province’s largest centres, condo development is the only way to go, accord-ing to a panel of experts.

Burlington offers a perfect storm of factors that embrace condo development, explains Jawad Rathore, president/CEO Fortress Real Developments. “No in� ated land prices, fantastic waterfront, great interest rates… it’s the prettier sister to the GTA. We’re thrilled to be here with commercial, residential, lowrise, highrise…

“You can’t help drive past an empty hole with cranes throughout the GTA,” says Rathore, with 18 projects un-derway in the GTA.

Still an unfamiliar concept to many, Rathore shed light on the condo-buying process for a capacity crowd attending a recent daytime seminar in Burlington that heard from experts in real estate, � nancing, law and the development process. “There are $2 billion in projects in Canada right now, and Burlington has become the favou-rite market. Do you know the incredible gold mine you’re sitting on right here?” He quoted Money Sense Magazine saying, “Burlington is the best mid-sized city to be in.”

i n t h e n e w s

BURLINGTON IS FAVOURED MARKET

as condo growth heads higherDriving the condo market is the Ontario government

itself. The provincial Places to Grow Act of 2005 was established with a mandate to reduce urban sprawl by establishing 1.8 million acres of greenbelt and a restriction on building in that area. It also targets 25 downtowns for intensi� cation – Toronto, Ottawa and Burlington – with a target of 40 per cent of new housing in urban cores.

“Government has essentially legislated us to build more condos – we’re being told to do it. We can’t drop in a subdivision, but we can build vertically, which results in the growth in condos. We’re still building homes, but now we’re providing a different housing type,” says Rathore.

By restricting land supply, land prices increased, thereby sending average lowrise home prices in the GTA upwards of $613,000, making condos the affordable al-ternative at $300,000 or less. Rathore also encouraged condo ownership as an investment. “Buy now and rent it out as an investment or invest in a project for � xed, secure returns.”

He noted that Canada is the fastest growing G8 nation, with a 250,000 people arriving in Canada each year. “It’s the number one destination for people to come to from around the world. One hundred thousand people typi-cally arrive in the GTA and Burlington, and that demand

01


048-049 News Condo Connect_DN-WK.indd 48 4/11/13 1:32:56 PM

means prices go up. It also means we need 40,000 new homes each year.”

Explaining the trend, he notes the immigrant wave of the 1960s and ‘70s has drastically changed. “Now they come in yachts – wealthy foreigners – salivating for real estate right here.”

Rathore points to statistics that show that in the � rst 12 months of arriving, 33 per cent of new Canadians buy or own real estate, while 12 per cent own before they get here. Price and value wise, he called the GTA and Burlington “geographically safe and cheap” compared to Bombay or Mumbai, where $1,550 per sq. ft. compares in price to properties in Yorkville. A decade ago, condos repre-sented only 20 per cent of new construction. “That has changed.”

Tariq Adi, CEO of ADI Development Group, highlighted the features of Burlington that have contributed to the success of his company’s condo, Mod’rn:

No. 1 best medium-sized city by Money Sense Magazine»Healthiest condo market in the GTA»10 universiti es within 100 kms»GO Train, schools, retail, mildest weather in the province »Lowest unemployment and highest income: $110,000 average»Average home price of $417,000»Average price of a condo is $280,00 versus $469,000 in Toronto»No double land transfer tax »Burlington condo market has appreciated by fi ve per cent, with the »luxury condo market appreciati ng by 17 per centVacancy rate is only half to one per cent »New condos are potenti al as rental units for investors»Using the Mod’rn as an example of good design, price and

location, Adi says � rst day purchases have made $40,000 on their investment, and construction has not even begun.

From a real estate perspective, Linda Mitch-ell Young, vice-president of Baker Real Estate, says there is no cause for alarm about an over-supply of condos, as new construction is not keeping pace with population growth. Lower prices in Burlington are luring buyers to the 905 area. Interest rates are expected to remain low through 2013, offering more reason for a move to Burlington.

Michael Klassen, broker of record, Eleven Eleven Realty, notes that the process involved when condos are released for sale is such that the lowest price and best selection are available to VIP agents and general agents before a project goes public.

Garry Shapiro, Shapiro & Cho, who has been practicing law for 30 years, the last � ve years extensively in pre-construction matters, stresses prospective buyers “come in as soon as possible to address their agreement.” Real estate lawyers typical review sales agreements for closing costs, title, assignments, � nancial terms and reserve funds.

Michael-Ashley Smith, RBC mortgage spe-cialist, advises purchasers to get pre-approval upfront. Documentation required to make that possible includes proof of income, con� rmation of down payment or investment statements and property appraisal. Approval can take 24 to 48 hours. “Then it’s done; it’s in the bank.”

PICTURED

01 Panel of experts, from left to right: Tariq Adi, President Adi Developments; Michael Klassen, Broker Eleven Eleven Realty; Linda Mitchell-Young, Vice-President, Baker Real Estate; Jawad Rathore, President and CEO Fortress Developments; Gary Shapiro, Partner at Shapiro and Cho; Michael Ashley–Smith, Mortgage Specialist RBC.

02 Brothers Tariq Adi (left ) and Saud Adi, of Adi Development

02


048-049 News Condo Connect_DN-WK.indd 49 4/11/13 1:33:00 PM

N

LAKE ONTARIO

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Guel

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Wal

kers

Lin

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Bran

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t.QEWHWY 403

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QEW

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Exclusive Listing: Baker Real Estate Incorporated, Brokerage. Brokers Protected. * See Sales Representative for details. Illustrations are artists concept. Prices and specifications subject to change without notice. E. & O.E.

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15% Extended Deposit Program5% in 30 days • 5% in 120 days • 5% in 210 days

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The success at Mod’rn continues! To make the final few 1 bdrm, 1 bdrm + den and 2 bdrm suites evenmore irresistable, we are offering you a 15% Extended Deposit Program plus these other incrediblevalue-added incentives. Act now before the final suites are sold!

in the heart of Burlingtonfrom the $200’s

A9105_Modrn_NHC_SWO_Apr13-2013_A9105_Modrn_NHC_SWO_Apr13-2013 4/10/13 4:05 PM Page 1

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051-Bucci-Bliss 04-13-13.indd 51 4/11/13 12:34:08 PM

TOBYN PARK HOMES HAS JUST RELEASED A SERIES OFshort online � lms to introduce its latest new home community, ParkCi-ty Condos in Burlington. The � lms can be found at parkcityliving.ca/media and convey the many advantages of choosing ParkCity when considering a move to, or investment in, a condo.

“Here’s your opportunity to meet the key players behind the scenes and discover why ParkCity is unlike any other condo offering in the GTA West,” says Debbie Cosic of In2ition Realty. “The team has put together three very insightful mini-movies that convey the many unique features and bene� ts that ParkCity has to offer today’s savvy condo buyer.”

The � rst of the three short � lms, a beautifully produced � lm called “Living” evocatively conveys the extraordinary quality of life you can expect when living at ParkCity in Burlington. “We have a rare two-acre park setting and unrivalled resort-style amenities within an es-tablished neighbourhood. We want to share this story with an audience that may not be a familiar with Burlington and all it has to offer,” adds Bob Kosnik, of Tobyn Park Homes. “The � lm really captures this amenity rich community and the excitement of ParkCity living.”

“Welcome,” the second � lm, take viewers behind the scenes to meet the team and tour the presentation centre. It also introduces the audience to the quality of the model suite and the overall “wow factor” of the presentation centre.

i n t h e n e w s

ParkCity Condos INTRODUCES SHORT

FILM SERIES Kelly Cray, principal of Union31, the

award-winning interior design � rm, is the host for the third � lm entitled “Be inspired.” Cray describes his overall creative direction for the model suite and standard features his team selected as well as the design direction behind the condos lobby, party room, media room and more.

ParkCity Condos is a four-storey condo community located on a private two-acre park. Condo suites range from 442 to 992 sq. ft. and start from the $180’s. A VIP preview bonus offer of stainless steel appliances, stack-able washer dryer, free window blinds and locker are available for registrants only. Reg-ister now at parkcityliving.ca before opening to the general public.

To � nd out more, visit parkcityliving.ca and watch all three short � lms. By registering, you will also receive sneak peek views of up-coming � lms in the series and advance info on upcoming events.


052 News Park City Condos_DN-WK.indd 52 4/11/13 1:33:10 PM

ParkCity_NHC_Apr09_F.pdf 1 13-04-10 10:09 AM

053-Tobyn Park-Park City 04-13-13.indd 1 4/10/13 5:36:09 PM

EMPIRE COMMUNITIES IS CELEBRATING A TOTAL OF 10BILD Award nominations for its successful Victory and Eau du Soleil communities.

Victory, the highly successful lowrise community located in pres-tigious Upper Stoney Creek, received nine nominations, including Best Project of the Year, Lowrise.

Meanwhile, the iconic Eau Du Soleil, which will be one of Can-ada’s tallest and most iconic waterfront communities, was singled out for the stunning rendering of its 66- and 44-storey towers.

“We’re proud of these BILD Award nominations, and we are ex-ceptionally proud of these two dynamic communities,” says Paul Golini, executive vice-president of Empire Communities.

The 33rd Annual BILD Awards will be handed out on Friday, April 26.

Ideally situated in Upper Stoney Creek on the mountain, Victory will rise next to Centennial and the Red Hill Valley Parkways and close to major highways the QEW, 407, 403 and 6.

Victory brings stylish living to a highly sought-after area, but at a price that everyone can afford. The diverse range of two-storey towns and true freehold three-storey towns start at just $269,990. In addi-tion, detached two-car garage homes on 34- and 42-ft. lots start from just $346,990. This community will appeal to a range of buyers, from � rst-time homeowners, to those looking to move up and from families to young professionals.

Every home at Victory boasts high-end details such as modern baseboards, curved shower rods and frameless glass showers in the bathrooms and modern, wall-mounted � replaces. Every detail, inside and out, was selected with value and design in mind, while also of-

fering a cool, urban look. Additional � nishes include laminate � ooring, two-tone contem-porary kitchen cabinets and modern back-splashes. At Victory, you’ll live your style, your way.

Meanwhile, on the shores of Lake Ontario, Eau Du Soleil is poised to rede� ne highrise living in the beautiful waterfront neighbour-hood of Mimico. The Sky Tower and Water Tower of Eau Du Soleil will take their places in this established community known for its scenic lakefront parks and ample recreation facilities.

Connected by a dramatic podium, the Sky and Water Towers will offer awe-inspiring design, phenomenal views and spectacular amenities.

The � rst to be released, the Sky Tower will be one of the tallest buildings on the water in Canada, towering 66 storeys and featuring 750 units. Floorplans range from one-bedroom up to three-bedroom designs, from 504 to 1,046 sq. ft.

All suites feature soaring nine-ft. ceilings, with 10-ft. ceilings on the 60th � oor and higher. Gourmet kitchens include stainless steel appliances, custom-designed contempo-rary cabinets, polished granite countertops and glass tiles backsplashes. Spa-like bath-rooms include soaker tubs, glass shower stalls and rain showerheads.

The towers of Eau Du Soleil will also feature 25,000 sq. ft. of lifestyle amenities, including a salt water pool with hot tub, � tness room, spinning and yoga rooms, multiple the-atres, guest suites, gaming and party rooms and much, much more.

To learn more about Victory and Eau Du Soleil, visit empirecommuniti es.com

i n t h e n e w s

Empire Communities CELEBRATES 10 BILD AWARD NOMINATIONS


054 News Empire-WK.indd 54 4/11/13 1:33:14 PM

preview registrationvanmar Guelph | V2 Condos Coming soon to south Guelph, an intimate midrise condominium only minutes to nature trails, golfing, dining and shopping. v2condos.ca

macpherson builders Fergus | Summerlea Coming soon – single-family homes from the $280’s. Register today. mysummerlea.com

losani homes Kitchener | Victoria Common Register now for the VIP event coming soon for this community of “FlexSpace” townhomes. victoriacommon.ca

reid’s heritage homes Fergus | Westminster Highlands Coming this spring – a brand new master-planned community in Fergus. Phase One, single-family homes, bungalow townhomes and executive townhomes. reidsheritagehomes.com

new openingsmenkes Georgetown | The Enclaves of Upper Canada Preview opening of a new family community of semi-links and detached homes backing on to a ravine mature trees. menkes.com

claysam homes Guelph | Creekside Freehold walkout townhomes starting at $299,900. claysamhomes.com

menkes Georgetown | The Enclaves of Upper Canada Preview opening – semi-links and 30-ft. detached homes in a new family community backing onto a ravine of mature trees. menkes.com

mattamy homes Kitchener | Wildflowers Coming soon – Mattamy’s first master-planned community in Kitchener, with affordable townhomes and detached homes. mattamyhomes.com


haLton hILLS wELLIngton watERLoo

AlmAAAyrCAmbridGEElorAFErGUSGEorGEToWnGUElpHKiTCHEnErroCKWoodWATErloo

new releasesreid’s heritage homes Guelph | Westminster Woods Kingsbury Square building selling fast in this master-planned community of one- to three-bedroom condominium suites. reidsheritagehomes.com

reid’s heritage homes Guelph | Westminster Woods Arlington Court is the final opportunity in Guelph signature family community – beautifully designed three-bedroom, two-storey residences starting at $284,900. reidsheritagehomes.com

fusion homes Guelph | blueberry Hill Brand new semi-detached and 30-ft. detached lots. fusionhomes.com

williamsburg homes Kitchener | Eby Estates Spectacular homes on lots 100- and 200-ft. deep in this established tree-lined community minutes from Hwy. 8, amenities and transit. williamsburghomes.ca

dunsire developments Kitchener | mill Creek Village Traditional or Back-2-Back townhome units with walkouts available. millcreekvillage.ca

New

watchHome

april 13 - 27, 2013 | nEw homE & conDo gUIDE Swo 55

055 Sneak Previews WATERLOO_DN-WK.indd 55 4/11/13 1:33:18 PM

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056-057-SW Map-Waterloo.indd 18 4/11/13 2:31:41 PM

Location BuiLders sites Prices Pagesemi

condo

townhome

det.bunga

low

adult life

style

collingwood reid's heritaGe hoMes Heritage Lake Estates • from the $890's bc

Fergus reid's heritaGe hoMes Westminster Highlands • • • 67

kitchener branthaVen hoMes Joy • from $248,990 13

kitchener branthaVen hoMes Nestings • from $418,990 12

kitchener dunsire deVelopMents Mill Creek Village • from $236,990 65

kitchener eastForest hoMes Eby Estates • • from $279,990 32

kitchener eastForest hoMes Doon South • from $335,990 32

kitchener eastForest hoMes Huron Village • • from $259,990 32

kitchener MattaMy hoMes Wildflowers • • from $249,990 6

kitchener reid's heritaGe Eby Estates • from $339,900 58

kitchener schleGel urban deVelopMents inc Williamsburg Walk • from $189,900 59

kitchener terra View hoMes Edgewater Estates • • • from the $380's 70

waterloo eastForest hoMes Vista Hills • from $389,990 32

waterloo Mady hoMes One Fifty Five • from low $200's 66

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056-057-SW Map-Waterloo.indd 19 4/11/13 2:31:41 PM

LEARN MORE AT:

williamsburghomes.ca

or 519.208.5834

THERE’S A LOT TO LOOK FORWARD TO THIS SPRING

Enjoy Eby Estates lots, 100’ to 200’ deep, our spectacular homes

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family community. Choose from 30’, 36’ and 40’ lots.

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*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. April, 2013.

BIGGER BACKYARDS FOR YOUR MAY FLOWERS

MODEL HOME & DISCOVERY CENTRE HOURS:Mon. - Wed. 2 - 7pm | Sat. - Sun. Noon - 5pm

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058-Eby Estates-Williamsburg 04-13-13.indd 58 4/10/13 5:20:27 PM

a complete community from only

master planned by

Schlegel Urban Developments

Fabulous amenities at your doorstep including restaurants, shopping and state-of-the-art fitness facility.

Luxury features in every suite including granite countertops, 9’ ceilings and stainless steel appliances.

Professionally selected interior collections available at our Design Studio.

dining · shopping · fitness · recreation · tr ails · parks · cafés

presentation centre 519.742.4004325-101 Max Becker Dr Kitchener Thursdays from 1:00pm to 8:00pm

Saturday and Sunday from 1:00pm to 5:00pmwilliamsburgwalk.ca

A COMPLETE COMMUNITY FROM ONLY

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your complete community

*Offers and plans subject to change without notice. See sales representatives for more information. E. & O. E.

sprinG speciaL*Visit williamsburgwalk.ca for details on our


059-Williamsburg Walk 03-16-13.indd 59 4/10/13 5:20:31 PM

New Home Ownership Just Got Easier!

TO ONE OF THE MOST DESIRABLE AREAS IN LONDON

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Prices correct at press time. See Sales Representative for details. Broker protected. E. & O. E.

$139,990 Quadroplex & Townhome Designs

MYANDOVER.CAREGISTER NOW ATstarting

from

60

060-Eastforest Homes-Andover Trails 04-13-13.indd 60 4/10/13 5:20:35 PM

V2 Condos is conveniently located at Arkell Road & Victoria Road in Guelph’s vibrant South End.

A large selection of one and two bedroom suites, plus dens, to over 1600 sq.ft. are available.

Elegant Brick & Stucco Exterior•

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SPACIOUS SUITES IN SOUTH GUELPH FROM THE MID

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061-Vanmar-V2 04-13-13.indd 61 4/10/13 5:20:38 PM

As we celebrate the arrival of warmer, longer days, we find ourselves looking for every possible reason to be outdoors. And Mattamy has a great reason if you happen to live in the Kitchener area. The

company has recently opened its first Kitchener community, and it offers lots of reasons to enjoy being outdoors right in the community.

Wildflowers offers a completely new approach to home building in Kitchener. Mattamy is well regarded for its stylish and varied collection of homes and for its ability to provide master-planned communities that really know how to serve the residents. Mattamy neighbourhoods are places where you’ll always find a smile and kids playing right outside your door.

Features in Wildflowers include park spaces, playgrounds, walking/biking trails and tranquil ponds scattered throughout the neighbourhood, all of which give families perfect places to gather and share in the enjoy-ment of the place they call “home.” There’s a mature forest bordering the community so an after-dinner stroll can be truly inspiring. Future ben-efits will include a school right in the neighbourhood and local shops so you can walk to the store instead of getting in a car.

Mattamy has a vast amount of experience in master-planning neigh-bourhoods and designing unique homes. Since 1978, the company has built more than 50,000 homes in more than 150 communities across North America. The approach has always been to provide interesting and varied architecture so the streets have individuality and features that

c o m m u n i t y f o c u s

Spring iS a perfect time to See

Mattamy’s Wildflowers

Kitchener

location

Townhomes and detached homes

housing type

519.744.9296 mattamyhomes.com

contact

sales centre

1571 Fischer Hallman Rd., open Monday to Thursday 1 to 8 p.m., Friday 1 to 6 p.m., Saturday, Sunday and holidays 11 a.m. to 6 p.m.

01

in Kitchener

62 new home & condo guide swo | april 13 - 27, 2013

062-063 CF Mattamy_MT-WK.indd 62 4/11/13 1:33:25 PM

mattamy homes Wildflowers

Mattamy’s Wildflowers

make everyone completely satisfied in the home and in the com-munity.

If you’d like to see the many attributes of life in a Mattamy community for yourself, you can visit Upper Country Club and Mill Pond in Cambridge. Just a walk or slow drive through will reveal why Mattamy communities are so highly regarded by the families who live in them.

In Wildflowers, you’ll find a complete variety of townhomes and well-designed detached homes in variety of homes sizes and floorplan options to accommodate any size family. When it comes to choice, Mattamy believes more is better.

Many Mattamy homes offer front porches so neighbours can enjoy each other’s company with a friendly “hello” while out for a stroll. You’ll find homes in Wildflowers are built with very large windows so you have the benefit of more cheerful, natural light streaming into the home. These special home and community features in Wildflowers are the types of features you find in a small Ontario town.

Kitchener-Waterloo is a place that has built an outstanding reputation as a hub for the high-tech industry. Two superb uni-versities are highly regarded around the world. Kitchener is a vibrant, growing city that offers many community activities and special events. Oktoberfest is the largest of its kind outside of

01 Mattamy’s kitchens are designed for entertaining 02 Master bedrooms are a private retreat03 The woodlot surrounding comes to life with colour

02 03

Germany. Recreational facilities are available for all seasons and you don’t have to wait long for a good parade because Kitchener has a Santa Claus parade, a Thanksgiving/Oktoberfest Parade and a Canada Day Parade that fill the streets from Wa-terloo to the southern reaches of Kitchener. There’s a great Farmer’s market downtown as well as fine shopping, dining, nightlife and cultural venues.

Mattamy invites you to come and see the Wildflowers and find the home that’s just right for your family. Townhomes in Wildflowers are offered from a very affordable $249,990 and detached homes begin at $294,990.

The Wildflowers presentation Centre is located at 1571 Fischer Hallman Rd., Kitchener. Phone 519.744.9296. presentation Centre hours are Monday to Thursday 1 to 8 p.m.; Friday 1 to 6 p.m; Saturday, Sunday and holidays 11 a.m. to 6 p.m. For more information, visit mattamyhomes.com

april 13 - 27, 2013 | new home & condo guide swo 63

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067-Reids Heritage-Westminster Highlands 04-13-13.indd 67 4/10/13 5:21:04 PM

Access is everything, and with the extension of Fairway Street through Kitchener’s Edgewater Estates, this hidden gem of a community is now fully exposed and accessible to even more op-

portunities for residents.Commuters will now trim 20 to 30 minutes off their travel time to

Cambridge and Guelph. Chicopee and its recreation area is now moments away. An unexpected benefit of the new road is that even more people are discovering this TerraView community and how easy it is to be close to the Grand and yet within easy reach of the city.

Edgewater Estates is a south Kitchener community nestled in a quiet pocket close to all amenities and a breeze away from the Grand River and all the recreational opportunities you could ever ask for. The final release of lots means there is a greater variety of options – conservation lots, some with walkouts, pie-shaped lots – all on 40- and 45-ft. lots

As if that isn’t enough, TerraView is offering two bonus packages on its popular homes. Those choosing a conservation lot will enjoy $20,000 in upgrades. A second package is offered to those choosing from the final release. They will receive a gourmet kitchen outfitted with upgraded


It’s even easier to reach EdgEwatEr EstatEs in KitchEnEr

Kitchener

location

Single-detached homes on 40- and 45-ft. lots

housing type

519.249.9356 [email protected] terra-view.com

contact


068-069 CF Terra View_MT-WK.indd 68 4/11/13 1:33:34 PM

teRRaView homes Edgewater Estates

cabinetry, lighting and fixtures, a backsplash and granite, plus $10,000 in additional upgrades.

You’ll find these majestic family homes of Edgewa-ter Estates set within natural surroundings between the Grand River and Idlewood Creek. Shopping at Fairview Park Mall, schools, dining and recreation are right there – as well as skiing, hiking, biking, canoe-ing… you name it. There is instant access to Hwys. 7 and 8 for easy travel through the city, while Hwy. 401 offers a direct route for commuters to Toronto, Ham-ilton, London or Mississauga.

Edgewater Estates features everything you would come to expect from one of the areas finest home builders. Tour the three model homes on-site and see for yourself.

While all are superb, the Cambridgeshire is note-worthy for showcasing TerraView’s commitment to Green building that has led to several industry and community awards. Terra View Homes has helped pioneer Green home building practices in Canada since 2006 when the company became one of the first Guelph area home builders to build exclusively Energy Star homes. The LEED model home is an essay in environ-mentally conscious building, incorporating the key elements of Energy Star, GreenHouse, Built Green and LEED, from the foundation to roof-mounted solar panels. The model showcases features such as energy-conscious systems that include a 100-gallon tank and an in-floor hydronically heated concrete slab to store solar hot water, an ERV to provide filtered air to all rooms, ultra high efficiency solar-assisted gas boiler and water treatment of city water.

Inside, there are ultra low flush toilets and water-saving fixtures, LED lighting plus CFL lighting used throughout, a buried cistern to supply toilet flushing and irrigation, bedroom ceiling fan to reduce use of central air, recycled paint, readily renewable resources like cork flooring, quartz countertop made from recycled granite waste and dozens of other details. It also illustrates “Age in Place” features that accommodate future mobility needs in the future including a residential elevator.

This model home at Edgewater Estates is just an example of the investment in research and design Ter-raView has made as it addresses the needs of homebuy-ers of all ages with homes of comfort, quality and en-during style. Also a leader in customer service, Terra-View is pleased to be a finalist in Tarion’s Awards of Excellence for customer service excellence.


068-069 CF Terra View_MT-WK.indd 69 4/11/13 1:33:44 PM

EDGEWATER ESTATES40ft & 45ft Homesites in anESTABLISHED Community on the banks of theMAJESTIC GRAND RIVER

3 Decorated Models

Ask about our Special Bonus Package!

www.terra-view.comWe Build Exclusively ENERGY STAR®

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Model Homes and Sales Centre6 Tremaine Drive 519-249-9356Mon - Thur 4:30 - 7:30Sat & Sun 1:00 - 5:00

distinctive style


070-Terra View-Edgewater 02-16-13.indd 70 4/10/13 5:21:09 PM

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

h o m e b u y e r s ’ h e l p


071-074 Homebuyers Resource_DN.indd 71 4/11/13 2:08:40 PM

cALcuLAte YouR mortGaGe Payments

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.

cHart fIGure mortGaGe amount÷ 1,000

Interest rate montHly Payment

eXAmPLe: 5% 25 YeARs 5.82(MORTGAGE AMOUNT $125,000)

125 $

amortIZatIon PerIod

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.



3.00% 9.65 6.90 5.54 4.73 4.21

3.25% 9.76 7.02 5.66 4.86 4.34

3.50% 9.88 7.14 5.79 4.99 4.48

3.75% 9.99 7.26 5.91 5.13 4.61

4.00% 10.11 7.38 6.04 5.26 4.76

4.25% 10.23 7.50 6.17 5.40 4.90

4.50% 10.34 7.63 6.30 5.53 5.04

4.75% 10.46 7.75 6.44 5.67 5.19

5.00% 10.58 7.88 6.57 5.82 5.34

5.25% 10.70 8.01 6.74 5.96 5.49

5.50% 10.82 8.14 6.85 6.10 5.64

5.75% 10.94 8.27 6.98 6.25 5.79

6.00% 11.07 8.40 7.12 6.40 5.95

6.25% 11.19 8.53 7.26 6.55 6.11

6.50% 11.31 8.66 7.41 6.70 6.26

6.75% 11.43 8.80 7.55 6.85 6.42

7.00% 11.56 8.93 7.69 7.00 6.59

7.25% 11.68 9.07 7.84 7.16 6.75

7.50% 11.81 9.21 7.99 7.32 6.91

7.75% 11.94 9.34 8.14 7.47 7.08

8.00% 12.06 9.48 8.28 7.63 7.25

8.25% 12.19 9.62 8.44 7.79 7.42

8.50% 12.32 9.76 8.59 7.95 7.59

8.75% 12.45 9.90 8.74 8.12 7.76

9.00% 12.58 10.05 8.86 8.28 7.93

9.25% 12.71 10.19 9.05 8.45 8.10

9.50% 12.84 10.33 9.20 8.62 8.28

9.75% 12.97 10.48 9.36 8.78 8.45

10.00% 13.10 10.63 9.52 8.95 8.63

10.25% 13.24 10.77 9.68 9.12 8.80

10.50% 13.37 10.92 9.84 9.29 8.98

10.75% 13.50 11.06 10.00 9.46 9.16

11.00% 13.64 11.22 10.16 9.63 9.34

11.25% 13.77 11.36 10.32 9.80 9.52

11.50% 13.91 11.52 10.49 9.97 9.70

11.75% 14.04 11.66 10.65 10.15 9.88

12.00% 14.18 11.82 10.81 10.32 10.06

12.25% 14.32 11.97 10.98 10.49 10.25

12.50% 14.46 12.13 11.15 10.67 10.43

12.75% 14.59 12.28 11.31 10.85 10.61

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

moRtgAge PAYment calculatIon cHart

amortIZatIon PerIodsinteRest

RAtes10

YeARs15

YeARs20

YeARs25

YeARs30

YeARs

%



aTB Financial 2.6 4 3.1 3.14 3.55 4.39 3.04 6.30op 6.30op 6.50op

alterna Svgs/alterna Bk 2.85 4 3.05 3.09 3.09 2.99 3.09 6.30op 6.30op

Bank of Montreal 3.1 4 3 3.04 3.55 4.54 3.09 6.30op 6.30op

Bank of Nova Scotia 3 4.55 3.75 2.69 3.99 2.99 4.99 6.45op 6.50op

Canadian Western Bank 4 3 3.04 3.55 4.54 5.14 6.45op 6.30op

CiBC 3.2 3 3.14 3.55 2.99 5.14 6.70op 6.35op

HSBC Bank Canada 3 4.45 2.7 3.95 2.98 4.99 3.49 6.20op 6.35op

iCiCi Bank Canada 3.05 3.15 3.65 3.64 3.69 3.44

iNG Direct 3 3 3 2.79 2.99 3.08

laurentian Bank n/a 4.4 3.09 3.14 3.55 4.54 5.14 6.70op 6.30op

Manulife Bank 3 4.45 3 3.05 3.1 3.1 3.09 4.00op

MonCana Bank 2.79 2.79 2.79 2.89 2.99

National Bank n/a 4 3.1 3.14 3.55 4.54 3.39 6.70op 6.30op

president’s Choice Finan 3.2 3.2 3.24 3.35 3.44

royal Bank 3 4 3 3.04 3.55 4.54 5.14 6.30op 6.30op

TD Canada Trust 3.2 3 3.04 3.55 4.54 5.14 6.30op

tRust comPAnies

aGF Trust n/a 2.99 3.1 3.5 3.64 3.09

Community Trust n/a 6.5 3.1 3.35 3.95 4.64 5.24

Effort Trust n/a 4.45 3.25 3.6 3.9 4.5 4.95 6.30op 6.30op

Home Trust Company 3.2 3.95 2.74 2.49 2.89 2.99 2.99

investors Group Trust n/a 4 3 3.14 3.55 4.54 5.14 6.50op 6.30op

MTCC 3 4.55 3.75 2.69 3.99 2.99 4.99 6.45op 6.50op

otheR FinAnciAL institutions

airline Financial C.U. 4 2.99 3.25 3.29 3.09 3.49 6.25op

Comtech Credit Union 2.79 6.6 2.99 3.25 3.29 3.19 3.09 8.40op 9.00op

First National Fin. lp 3.95 2.74 2.69 2.79 2.99 2.99

FirstOntario C.U. 2.79 2.99 3.14 3.19 3.24 2.97 6.34op 6.34op

london life n/a 4 3 3.14 3.55 4.54 5.14 6.50op 6.30op

MCap 2.9 3.6 3.95 4.35 4.89 5.14 7.00op

Meridian Credit Union 2.85 4.45 3.1 3.14 3.7 2.98 3.19 6.30op

parama Credit Union 2.9 3 3.05 3.15 3.25 3.4

Steinbach Credit Union 2.4 2.4 2.5 2.7 2.8 3

Teachers Credit Union 4 4.45 2.99 3.04 2.79 3.89 3.19 6.30op 6.50op

comPARe moRtgAge RAtes for your Best dealchARteRed 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 aVailaBlEapril 8, 2013. prepared By Fiscal agents Financial information Services 905.844.7700



h o t d a t e s

april 16 - Ma y 18

Dance Legends THE GRAND THEATRE LONDONDance legends celebrates the art of dance with an energetic tribute to legendary dancers and choreogra-phers. Dance, music and comedy will leave you energized and inspired.

grandtheatre.com

april 21

Woodstock Toy and Collectibles Show WOODSTOCK FAIRGROUNDS WOODSTOCKFeaturing vendors selling new and old collectible toys, coins, sports and non-sport cards, records, action figures, comics and other pop culture collect-ibles.

woodstocktoyshow.blogspot.ca

april 26 - 28

In the Soil Arts FestivalDOWNTOWN ST. CATHARINESFor three days, downtown St. Cath-arines will overflow with live music, theatre, dance, film, streetscape in-stallation art and more! you're gonna dig it!

inthesoil.on.ca

april 20 - May 5

Spring Wine & Food Pairing Tour in Niagara RegionPARTICIPATING WINERIES JORDAN STATIONEnjoy Get Fresh in the Valley wine and food pairing event in Twenty Valley Niagara wine region, with chef created recipes. We drive, you enjoy yourselves. Small groups of only eight to 14 people. Must be 19 and over.

winetourstoronto.com

April 13 to 27

Calendar of events beginning from

April 13 to 27, 2013

APRIl 13 - 27, 2013 | New home & coNdo guide Swo 75

075 Hot Dates_CW-MT-WK.indd 75 4/11/13 1:34:08 PM

advertiserindexadi development: Mod’rn Condominium 50

augustine group: Port Place 43

Bayview wellington: Niagara-on-the-Green 4

Bayview wellington: Victoria Village 5

Branthaven homes: Multi-site 12 & 13

Bucci homes: The Villages of Brantwell 51

camBridge homes: Brownstones 39

claysam homes: Neighbourhoods of Devonshire 23

country green homes: West Bloom 7

dawn victoria homes: Evergreen 42

dunsire developments: Mill Creek Village 65

eastforest homes: Multi-site 32

eastforest homes: Andover Trails 60

empire communities: Multi-site 2 & 3

geranium homes: Woods at Sally Creek 16 & 17

great gulf: Thorold 79

great gulf: Multi-site IBC

homes By desantis: Lincoln Square 11

london spring & garden home show 28

mady homes: 155 Uptown Waterloo 66

marz homes: Paramount 47

mattamy homes: Wildflowers 6

menkes developments: Millstone on the Park 34

menkes developments: Enclaves of Upper Canada 35

milton lifestyle spring home show 18

mississauga lifestyle spring home show 64

monarch: The Village of South Fields 40 & 41

mountainview homes: Corporate 9

new horizon: City Square 37

phelps homes: Multi-site 45

reid’s heritage: Westminster Highlands 67

reid’s heritage: Heritage Lake Estates BC

rosehaven homes: Multi-site 38

schlegel urBan dev.: Williamsburg Walk 59

sifton properties: Town of Ingersoll 22

sifton properties: Corporate 25

spallacci homes: Eden Park 33

td Bank 19

terra view homes: Edgewater Estates 70

tillsonBurg developments: Baldwin Place 24

toByn park homes: ParkCity 53

vanmar constructors: V2 Guelph 61

williamsBurg homes: Eby Estates 58

winzen: Stoneridge & The Kensington 44


076 Advertisers index_DN-WK.indd 76 4/11/13 2:39:28 PM

MORTGAGE INTEREST RATES, STILL AT HISTORICALlows and expected to remain so through most of – if not all of – this year, represent a window of opportunity for those looking to buy a home. The mortgage industry is ultra-competitive, lenders often introduce new products and otherwise there are plenty of options for borrowers.

If you could lock in at a low rate over 10 years, for example, that gives you the comfort of knowing what your mortgage payments will be over that period, while over that time you can also take advantage of

any pre-payment and lump-sum payment options to pay down your mortgage.

Another appeal of this scenario is that, as we often point out, experts advise you take a long-term view of your home purchase. For example, there is some talk at the moment about cooling prices and softening sales. But

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

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

by WAYNE KARL

even if that were to happen in your market and housing type, ask yourself: in 10 years, is a home you buy today likely to be worth more or less? If you need an answer to this question, just take a look back at prices 10 years ago. Of course, there are no guar-antees, but if you’re in the homebuying mode anyway, today’s low rate environ-ment makes a pretty compelling reason to act sooner than later to take advantage of these opportunities.

Low rates notwithstanding, the banks, � nancial � rms, brokers and other experts still advise homebuyers to practice smart borrow-ing – everything from putting down a larger down payment to taking advantage of pre-payment options and even “stress-testing” your mortgage at a higher rate to ensure your � nances can accommodate rate � uctuations or other unforeseen circumstances.

The mortgage market is a complex beast, and as a prospective homebuyer, these are not lessons you’re going to learn overnight – nor do you likely want to. You’re focused on saving a down payment, getting your � nances in order, searching potential neighbourhoods, choosing a home and, when buying new, selecting interior � nishings.

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

It will prove to be time well spent.

Mortgage essentials

IT’S A HOT TOPIC IN A CHANGING LANDSCAPE, SO LEARNING AS MUCH AS YOU

CAN IS TIME WELL SPENT

But just as important is to also spend as much ti me as

necessary to fi nd a broker or banker you trust and who

knows their business.


077 FS Mortgage essentials_MT-WK.indd 77 4/10/13 3:19:01 PM


Great Gulf has great news at Thorold Rolling Meadows. April 6 saw the release of

Phase 2 to help usher in a springtime selection of 35- and 42-ft. lots, adding choice and continued value to the 42- and 50-ft. lots in Phase 1. In the new release, you can select from detached homes and bungalows beginning from only $299,990 – an exciting invitation to “Live Greatly” for less.

Imagine owning a beautiful home for prices like that in Great Gulf ’s master-planned community that fea-tures parks, schools, walking trails and the tranquility of tree-lined streets. Among the natural areas in the neigh-bourhood plan are landscaped storm-water management ponds, plus there will be commercial venues coming in the future where residents can run errands right in the community.

And just think about all the other amenities and attractions you can reach within a short drive – the lush vines and tantalizing tastes of wine country, the challenging holes at area golf courses,

where neighbours stop on the street to chat and kids ride their bikes to play with friends.

For more than 35 years, Great Gulf has been creating neighbour-hoods that continually change the way people think about homes. To date, the company has built more than 40,000 beautiful homes in innovative communities across the Greater Toronto Area and beyond.

To inquire about Phase 2 and the remaining homes in the first Phase, which is under construction, visit Great Gulf’s Thorold sales office at 1 Sunset Way, off Barker Parkway and Hwy. 58, north of Hwy. 20. Hours are Monday to Wednesday from 2 to 7 p.m.; Thursday and Friday closed; Saturday and Sunday noon to 5 p.m.

For more information, call 905.680.0841 or visit greatgulfhomes.com

DISCOVER FRESH NEW LOTS IN PHASE 2 AT

Thorold Rolling Meadows

live theatre at the Shaw Festival in charming Niagara on the Lake, bargain shopping just across the U.S. border. Plus, Toronto is a 90-minute drive for those times you want to visit family and friends in the big city.

All of this can be yours, plus the superior design and construction quality for which Great Gulf is well k now n. Cre a t i ng s t u n n i ng streetscapes, the homes at Rolling Meadows are principally brick with varying architectural details such as soldier coursing, brick arches and keystones. Comfortable interiors feature (all as per plan) custom-qual-ity finished cabinetry, imported ceramic tiling, natural finish oak rail-ings, a gas fireplace and high-perfor-mance engineered flooring system. These are homes designed for families looking to put down roots for genera-tions to come in a neighbourhood

GREAT GULF Thorold Rolling Meadows

Thorold

LocATion

Detached homes and bungalows on 35-, 42- and 50-ft. lots

hoUsinG TypE

905.680.0841 greatgulfhomes.com

1 Sunset Way, off Barker Parkway and Hwy. 58, north of Hwy. 20, open Monday to Wednesday 2 to 7 p.m., closed Thursday and Friday closed, open Saturday and Sunday noon to 5 p.m.

conTAcT

conTAcT

78 nEw homE & condo GUidE swo | aPril 13 - 27, 2013

078 CF Great Gulf_DN-WK.indd 78 4/10/13 3:19:17 PM




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001-SWO NHG_Cvr_03-30-13_FIN.indd 1 4/10/13 2:50:49 PMSWO Double GF Cover 04-13-13.indd 1 4/10/13 3:10:10 PMUntitled-65 1 4/11/13 2:57:33 PM


44' Detached from

$321,990

4 MODELS TO TOUR!

36' Detached from


$229,990


$191,990

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36’ Detached from



$371,990


$242,990

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34' Detached from


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$269,990


Easy Buy


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001-SWO NHG_Cvr_03-30-13_FIN.indd 1 4/10/13 2:50:49 PMSWO Double GF Cover 04-13-13.indd 1 4/10/13 3:10:10 PM

southwestern ontario new home and condo guide - april 13, 2013

Documents

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energy star plus

fresh new lots

comempirewyndfield4

issue london

heritage lake estates

indd live

custom estates