southwestern ontario new home and condo guide - mar 1, 2014

FRONT COVER7.5 X 10.5" + BLEED

BACK COVER7.25 X 10.5" + BLEED

OUTSIDE GATE7 X 10.5" + BLEED

“WE’RE LIVING THE DREAM IN

NIAGARA”Leo and Ada have it all. They can get to the city

easily for work and come home to paradise.

“We love our new Great Gulf home. The quality and design are excellent

and it cost us signifi cantly less than we would pay anywhere else,” says Leo.

“And, we’re just 10 minutes from everything — great shopping, Niagara-on-the-Lake,

the US border, and more.”

“We have access to all the shopping and leisure activities that we’ve

ever dreamed of.”

Leo and Ada, Great Gulf Homeowners

Build with the best.

Reid’s Heritage Homes is recognized as an industry leader – named 2013 Ontario Home Builder of the Year,

and honoured with many environmental, quality, customer service, and employee satisfaction awards.

All of this simply underlines the reality that when you choose a home in one of Reid’s Heritage Homes’

fine communities throughout Ontario, you are investing in the best: the best quality, the best reputation,

the best team – the best for you and your family.

Cambridge | Collingwood | Fergus | Guelph | Kitchener | Meaford | Owen Sound | Port Elgin | Puslinch | Thornbury

reidsheritagehomes.com

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INSIDE THIS ISSUE

HOW TO CHOOSE THERIGHT NEIGHBOURHOOD

HAMILTON: NEW ECONOMY,BRIGHT FUTURE

INSPECT YOUR NEW HOMEBEFORE YOU MOVE IN

March 1 - 15, 2014 Volume 17 Issue 4

Perch yourself here AT NESTINGS

IN KITCHENER WATERLOO

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

SALES OFFICE9118 Forestview Blvd. off Garner RoadNiagara Falls (905) 356-9408

• Just 90 minutes from Toronto

• More than 50 golf courses and 75 wineries

• Close to shopping, casinos, entertainment and more

• Endless hiking, biking, and boating opportunities

• Dining alfresco in the beauty of the Niagara Escarpment

• Minutes to the US border and Buffalo Airport

With homes priced up to $300,000 less than the GTA, Southern Ontario’s best kept secret is waiting to be discovered. From world-class golf to lush natural wonders, Niagara’s outdoor lifestyle has

something for everyone. Visit Great Gulf’s two award-winning neighbourhoods of bungalow and two-storey homes this weekend and explore the best of life in Niagara.

N N

Garner Rd.

McLeod Rd.

Thorold Townline

Lundy’s Ln.

Thorold Stone Rd.

35, 42 and 50 Ft. Detached1,580 - 3,315 sq. ft. from

40 and 50 Ft. Detached1,610 - 3,035 sq. ft. from$299990

ROLLING MEADOWS EDGEWOOD• Niagara’s landmark master planned community

with parks, schools, walking trails and more

• Two fabulous Cecconi Simone inspired designer-furnished model homes

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

• Second floor family rooms and computer lofts

• A fully established neighbourhood backing onto mature woodland

• Located directly across from Niagara Falls Golf Club

• Three award winning designer-furnished model homes

• Master bedroom retreats with ensuites and his-and-hers walk-in closets

$310990

NIAGARA

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

GREATGULF.COM

Leo and Ada saved thousands by moving to a new Great Gulf home in Niagara

OPEN 7 DAYS A WEEK: Mon-Thurs: 1-7pmFri: 1-6pmSat, Sun & Holidays: 11am-5pm facebook.com/EmpireCommunities

@Empire_Living

Join the conversation

Prices, sizes and specifi cations are subject to change without notice. *Limited time offer, for closings 12 months or later, please see Sales for full details. E. & O.E. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker Protected. empirecommunities.com

EMPIRE IS ENERGY STAR PLUS!

GREEN

BUILDER

OF T HE Y EAEAE

RARA


Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

NN

Clarence

Paris

QEW

Colborne

Hwy.

20/

Cent

enni

al P

WY

GreenMountain RdRymal Rd

Summerlea Imagine

Blac

kbur

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ConklinShellard M

t. PleasantWarner

Wynd�eld

Brantford HamiltonBrantford Hamilton

StoneyCreekStoneyCreek

Victory

Lundy’s Ln

McLeod Rd

Falls

General BrockPkwy

Brown Rd

Kalar R

d

Montrose R

d

Exit27

NiagaraSquare

NiagaraFalls

Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

NN

Clarence

Paris

QEW

Colborne

Hwy.

20/

Cent

enni

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Summerlea Imagine

Blac

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ConklinShellard M

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Wynd�eld



Victory

Lundy’s Ln

McLeod Rd

Falls

General BrockPkwy

Brown Rd

Kalar R

d

Montrose R

d

Exit27

NiagaraSquare

NiagaraFalls

Detached from $289,990

READY TO LIVE HOMES

44' Detached from

$381,990

36' Detached from

$331,99030' Detached from

$291,990

HAMILTON

3 Binhaven Blvd., BINBROOK 905.692.6000

44' Detached from

$331,990

30’ Detached from

$254,99036’ Detached from

$296,990

TRUE FreeholdTowns from

$224,990

BRANTFORD

309 Blackburn Dr., BRANTFORD 519.756.4554

ONLY 5% DEPOSIT*

36’ Detached from



$359,990

30' Detached from

$239,990

TRUE FreeholdTownhomes from

$209,990

TRUE FreeholdPark Townhomes from

$219,990

McLeod Rd. & Kalar Rd., NIAGARA 905.354.1710

NIAGARA

Must see. Must have.

34' Detached from


$503,990

TRUE Freehold2-Storey Towns from

$289,990


$296,990

STONEY CREEKONLY A FEW TOWNS REMAIN

DON’T MISS OUT!

22 Green Mountain Rd. W., STONEY CREEK 905.930.7934

PHASE 3 NOW AVAILABLE!

Our Wyndfi eld Dream Home Gallery is spectacular. Tour it today and experience that moment when you know this is where you belong.

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@Empire_Living




GREEN

BUILDER

OF T HE Y EAEAE

RARA


Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

NN

Clarence

Paris

QEW

Colborne

Hwy.

20/

Cent

enni

al P

WY


Summerlea Imagine

Blac

kbur

n

ConklinShellard M

t. PleasantWarner

Wynd�eld



Victory

Lundy’s Ln

McLeod Rd

Falls

General BrockPkwy

Brown Rd

Kalar R

d

Montrose R

d

Exit27

NiagaraSquare

NiagaraFalls

Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

NN

Clarence

Paris

QEW

Colborne

Hwy.

20/

Cent

enni

al P

WY


Summerlea Imagine

Blac

kbur

n

ConklinShellard M

t. PleasantWarner

Wynd�eld



Victory

Lundy’s Ln

McLeod Rd

Falls

General BrockPkwy

Brown Rd

Kalar R

d

Montrose R

d

Exit27

NiagaraSquare

NiagaraFalls


READY TO LIVE HOMES

44' Detached from

$381,990

36' Detached from


$291,990

HAMILTON


44' Detached from

$331,990

30’ Detached from


$296,990


$224,990

BRANTFORD


ONLY 5% DEPOSIT*

36’ Detached from



$359,990

30' Detached from

$239,990


$209,990


$219,990


NIAGARA


34' Detached from


$503,990


$289,990


$296,990


DON’T MISS OUT!




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mattamyhomes.com

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

Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm

SalesCentre

Hw

y 40

1

Hw

y 40

1Homer Watson Blvd.

Huron

Rd.

Huron Rd.

Fischer Hallm

an Rd . S.

Seabrook Dr.

Woodbine Ave.

Follow us:

Detached Homes From $298,990

What’s New In Wildflowers?

Our Sales Centre is now in its brand new location, just around the corner from where we were and within the community. We are wide open with a great selection of Detached Homes from a very affordable $298,990.

You’ll also fi nd a special package of upgrades on our 30' and 36' detached Homes, with granite kitchen countertops and main fl oor hardwood fl ooring.

Visit our new Sales Centre Location and pick your special home among the Wildfl owers in Kitchener.

4 New Detached Model Homes Opening Soon!

30' Home, The Chicory, Elev. ‘B’, 1,597 Sq.Ft., $322,990

36' Home, The Lupin, Elev. ‘B’, 1,950 Sq.Ft., $370,990

179 Seabrook Drive, Kitchener

SW_NH&C_Wildflowers_March 1.indd 1 2014-02-25 1:34 PM

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NOW’SYOURCHANCE!

CountryGreenHomes.com | 905-690-7600

6407

QEW

WATERDOWN

CE

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E R

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HA

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ST.

PARKSIDE DR.

DUNDAS ST.

403

New release of freehold three storey urban towns that will suit your lifestyle.Come see for yourself how big city convenience can nestle perfectly with small town charm, only in Waterdown.

Monday to Wednesday 2-7pmThursday/Friday by Appointment

Saturday & Sunday 11-4pm

$200s

from the mid

MARCH 1 - 15, 2014 | NEW HOME & CONDO GUIDE SWO 7

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regular and special features

18 London27 Hamilton57 Waterloo

IN EVERY ISSUE

10 Editor’s Note71 Hot Dates76 Ad IndexCOLUMNISTS

26 Tarion Report Inspect your new home carefully – before you move inby Howard Bogach

36 Building Blocks How to choose the right neighbourhoodby Jeff Paikin

50 Mortgage Advice U.S. tapering and its effect on Canadian mortgage ratesby Alyssa Richard

66 Fundamentally Speaking Location, information and timing are key to finding a new homeby Wayne Karl

IN THE NEWS

16 Spectrum SkySpectrum Realty launches highrise division – Spectrum Sky

HOMEBUYERS’ HELP

53 City focus Hamilton: new economy brightens the future of this former Steeltown

67 Homebuyers’ Resources Mortgage Calculator & Rate Table

22 TillsonburgTillsonburg DevelopmentsBaldwin Place – Tillsonburg Developments’ adult lifestyle community

34 St. Catharines Bayview-Wellington HomesDiscover country in the city at BW Homes’ Victoria Village in St. Catharines

44 Waterdown CountryGreen Homes West Bloom and Uptowns of Waterdown: the best of both worlds from CountryGreen Homes

62 Fergus Reid’s Heritage Homes Reid’s introduces townhome living to Westminster Highlands in Fergus

contentsMAR 1 - 15, 2014 || VOLUME 17 ISSUE 4

ON THE COVER

p. 14BRANTHAVEN HOMES

Nestings in Kitchener-Waterloo soars with early delivery singles

New Home WATCH

34

44

22

62

78

community focus features

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Offer & Specification subject to change without notice. E.&.O.E. Not valid with any other promotion. Restrictions apply, visit sales office for details. Moving Costs up to $2,000. Closing costs up to $3,000 Tarion, Hydro and/or legal fees.

one more reason to buy new...

YOUR MOVE

IS ON US!We’ll do the moving

and take care of your closing costs. Think of it as our housewarming gift to you!

www.mountainview.com 905.323.6232


009-Mountainview 03-01-14.indd 9 2/26/14 2:13 PM

VICE-PRESIDENT, WALL2WALL MEDIA

Jacqueline HillDIRECTOR OF SALES, NATIONAL

Josh Heppner ASSOCIATE PUBLISHER

Susan Maxwell EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan LeggeART DIRECTOR

Daiana Garay

EDITOR

Wayne KarlCONTRIBUTING EDITORS

Sara DuckElisa KrovblitLydia McNutt

DISTRIBUTION & SALES CO-ORDINATOR

Jennifer BistronADMINISTRATIVE ASSISTANT

Antoinette Jackson

MANAGER OF PRODUCTION

Bala GnanapandithanCO-ORDINATOR

Hannah YarkonyGRAPHIC DESIGNER

Viosa Barileva

CONTRIBUTING WRITERS

Joanne KeenanJeffrey Reed

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

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

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

newhomeandcondoguide.com

Published By

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

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

WAYNE KARL EDITOR Wall2Wall [email protected]

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

//EDITOR’S NOTE

You’ve agreed that a new home is the way to go and you’re making headway, but you still have another big decision to make – choosing your

home builder. It pays to check the reputation of the builder/developer

before you sign on the dotted line. You can start by fi nding out how long the company has been in business by asking the sales representative or visiting the company’s website.

Find out if previous purchasers are happy with their homes. Drive around an existing community built by the company and talk to anyone you run into anyone during your tour.

Naturally, you should spend some time visiting several diff erent sales offi ces and model homes. Get a feel for each company and the staff employed there. Ask a lot of questions and expect to be treated with consideration and respect. No question is too “dumb.”

� ink twice about any development where the salespeople push you to make a decision you’re not ready for, or where they are not happy to provide you with the information you request. � ere are certainly many other builders and salespeople out there who pride themselves on putting the customer fi rst.

When you do fi nd the right home and the right company, making that big decision will be a whole lot easier and enjoyable.

How best to select a builder?A little extra research pays off with peace of mind

The moment you decide to buy a new home is an important one – from getting your fi nances in order, to learning about mortgages, to

researching builders and to getting out there to look at potential communities. Indeed, the excitement grows at every step.

If it’s your fi rst home, the process can be an especially emotional experience. � ere will be houses you fall in love with, communities you really want to live in and neighbours you can envision befriending.

As exciting as all of this is, it’s also important to not let your emotions get carried away – to buy more with your heart than your head. � is is why you should take your time, do your research and conduct due diligence on every development, builder and home you consider.

� is issue of New Home & Condo Guide, like all editions we put together, contains a variety of content to guide you through this process. Our goal is to help identify subjects, neighbourhoods, communities, housing types and builders for you to consider – in short, to help you prepare.

With this knowledge, and your own enthusiasm, you’re well on your way!

Be preparedThis adage is never more true than when buying your fi rst home

10 NEW HOME & CONDO GUIDE SWO | MARCH 1 - 15, 2014

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URBAN TOWNS.NATURAL SETTING.Coming Soon from the low $200’s

Let The Charm Of Beamsville Seduce You.For those who delight in the intoxicating blend of

modern design and old world charm, Homes by

DeSantis presents the Fiera Collection, the newest

collection of urban townhomes at Lincoln Square.

Surrounded by lush vineyards, ambling walking trails

and convenient retail along picturesque streets, these

meticulously crafted homes are just minutes from the

QEW and the GTA.

Who says you can’t have it all?

ASK ABOUT OUR NO DOWN PAYMENTNO PROBLEM PROGRAM!*

* 100% financing option available on approved credit. Please see sales agent for details.Prices subject to change without notice. Illustration is artist’s concept. E. & O.E.

REGISTER NOWHomesByDesantis.com

NHC Ad

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//cover story

Nestings community soars with early delivery singles

Branthaven will get you moving this spring!

W ith spring just around the corner, families looking for the perfect new “nest” in

Kitchener/Waterloo need to look no further than the prestigious perch of Nestings in River Ridge. If you are in the market for attainable luxury on a spacious 36-, 40-, 45- or 50-ft. lots, with plenty of plan options and flexible, family-friendly layouts (three-, four- and even five-bedroom plans) then Nestings is your place to roost! Just imagine, you could be “Living the Life in a Branthaven” in as little as 30 to 90 days!

“Visitors to the Nestings neighbourhood are very impressed,” says Steve Stipsits, president of Branthaven Homes. “The caliber of the

architecture and level of exterior details are comparable to any custom built home in the region. We have designed Nestings with three elevation options – Classic, Craftsman and French Country, so the neighbourhood has true character and curb appeal. Phase 1 is almost complete and Phase 2 is well under construction.”

You’ll discover Branthaven’s interior design flare at the three Nestings model homes. Tour the one-of-a-kind Willow, a unique corner lot, bathed in sunshine and open concept living, perfectly suited to casual living and comfort. The gorgeous Grand River model is a must-see dream home featuring elegant and stately principal rooms as well as stunning open concept kitchen, Great Room, laundry and mudroom that busy families would love to nest in.

If you wish to “walk before you buy,” there are six quick closing homes that are available to choose from. The Fieldstone is a stunning corner elevation, wrapped in a rustic brick façade with a prominent front porch and roofline with gabled silhouette. “It makes a great first impression,” says Stipsits,

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BRANTHAVEN HOMES | Nestings

Location Kitchener-Waterloo

Housing type Three-, four- and five-bedroom homes on 36-, 40-, 45- or 50-ft. lots from the $400’s

saLes centre 20 Redtail St., open Monday to Wednesday 2 to 7 p.m., Thursday and Friday closed, open Saturday and Sunday noon to 5 p.m.

contact 1.888.775.7172 branthaven.com

Nestings community soars with early delivery singles

Branthaven will get you moving this spring!

“and, at 3,650 sq. ft, this plan offers in an exceptionally well designed layout. It’s an attainable single-family home on a prime lot.” The Fieldstone is not only an award-winning design; it is fully decorated and available in 30 to 60 days!

The Peregrine II, a 36-ft. model offers exceptional space and value – it’s available in 60 days. The Coopers’ Hawk has a great layout with three or four bedrooms, perfect for growing families. Move in in 90 days and start enjoying the natural beauty of the local parks and Grand River Conservation Area. Discover why the Wild Iris and Meadowsweet 45-ft. models were sell-out successes at Doon Creek; Branthaven’s latest completed community in Kitchener. These two homes are ready to occupy in as little as 30 to 60 days.

Are you ready to nest? Why consider a resale when you can have a quick closing Branthaven Home and have the comfort of making a sound investment today and reaping the rewards in a future resale!

If you are looking to “nest” with a longer delivery date… there are choice lots still available with the added benefit of being able to still “feather your nest” with your own personal style and up to $20,000 Branthaven Design Dollars bonus, ask a sales representative for details.

Get ready to soar in a new Branthaven home this spring! See these homes and more on branthaven.com


014-015 Cover Branthaven_VB-WK.indd 15 2/27/14 2:33:20 PM

Spectrum Realty launches new highrise division: Spectrum Sky Inc.Spectrum Realty Services Inc. has announced the launch of its very own highrise division involving the same team that helped shape the lowrise industry for the past 22 years. The partners at Spectrum Realty are pleased to announce the appointment of Mira Tomljenovic as vice-president of highrise and partner at the new Spectrum Sky Inc.

This official announcement was made on Feb. 19 at Touro Steakhouse & Wine Bar in Richmond Hill among a selected group of esteemed industry professionals and highrise developers.

Tomljenovic was the co-founder and past president of ln2ition lnc., a new home and condo sales and marketing company. She has more than 25 years of experience in the real estate, planning and project management fields, and has won multiple industry awards, including the coveted Riley Brethour Award for Achievement in Residential Sales and Marketing.

Along with her contributions to the industry, Tomljenovic also co-founded the Race for Humanity, an annual fundraising event for Habitat for Humanity which has gained international recognition for community spirit in the building industry.

Photos: Vito Amati

//In the newS

She is actively involved in BILD and frequently spoke on panels, and is instrumental in organizing the annual housing tours throughout North America since 2004.

“We are redefining our reality, and while it makes perfect sense to use our past successes as a foundation, we are creating something totally new,” says Tomljenovic. She will work in unison with Silvio Deluca and Joseph Bozzo, creating the GTA’s most dynamic and innovative highrise marketing team.

About SpectRum ReAltySince its inception in 1992, the partners at Spectrum Realty have endeavored not only to create a niche in the marketplace, but a foothold. Today, some 22 years later, Spectrum Realty is one of the largest independent brokerages in Canada, and the leader in lowrise sales within the Greater Toronto Area. The four partners set out to deliver unparalleled service to its builder clients. Their goal was to be instrumental in every facet of the process, from acquiring land parcels, to the creation of draft plans, architectural and marketing advice to providing professional and qualified sales staff to their clients. Spectrum Realty has close to 200 agents with many exclusive builder clients with sites that stretch from Newcastle in the east, Fort Erie in the west, to Muskoka in the north. The Spectrum team has been responsible for the sale of more than 30,000 new homes since its inception, directly involved in creating some of our region’s most iconic neighborhoods.

16 New home & coNdo guide Swo | marCH 1 - 15, 2014

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mattamyhomes.com

Variety Springs To Life With Our New Release In Hawthorne Village.

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

Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pmFollow us:

Sales Office

Jam

es S

now

Par

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Tra

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ar

Win

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Derry Rd. E

To QEW

4th

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Townhomes From $309,990•

Detached Homes From $444,990

Elev. ‘A’

36’ Home, The Hawkesbury, Elev. ‘B’, 1,950 Sq.Ft., $524,990

Village Home, The Brighton ‘A’, 1,044 Sq.Ft., $309,990

Today we’re offering new Townhomes and Detached Homes in Mattamy’s most awarded community of Hawthorne Village.

We’re open with a new release of our most popular and affordable Village Homes, brand new 2-Storey Townhome and desirable Rear Lane Townhome designs as well as 30’ and 36’ Detached Homes.

If you’ve been waiting to find a new home where 10,000 families have already found life completely enjoyable, then we suggest you visit our Sales Centre. We look forward to seeing you real soon.

17

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LONDON

BayfieLDBLythCLiNtONGraND BeNDiNGersOLLLONDONMitCheLLseafOrthshakespearest.thOMasstratfOrDtavistOCktiLLsONBurGWiNGhaMWOODstOCk

preview registrationeastforest homes London | Andover Trails the preview continues – last chance for pre-construction pricing in this community of quadroplex and townhome designs. eastforesthomes.com

new openingssifton properties London | Westwood Village Grand opening of luxury one-floor energy star condos from the low $300’s. sifton.com

claysam homes Woodstock | Sally Creek premium twin town designs now including finished basements. claysamhomes.com

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

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

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

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

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

New Home watch


018 Sneak Previews LONDON_VB-WK.indd 18 2/27/14 2:33:29 PM

401

401

401

403

402

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London: WINGHAM, GODERICH, CLINTON, MITCHELL, STRATFORD, WOODSTOCK, INGERSOLL, TILLSONBURG, AYLMER, ST. THOMAS, STRATHROY, DUNWICH

LOCATION BUILDERS SITES PRICES PAGESemi

Townhome/Condo

Det.Bunga

low

Adult Life

style

Please see advertisers ads for location of sites

London EASTFORES`T HOMES Andover Trails • • 20

London REID'S HERITAGE HOMES Cachet Reid's Heritage Homes • • • BC

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

Woodstock CLAYSAM HOMES Neighbourhoods of Devonshire • 25

Woodstock SENATOR HOMES Havelock Corners • • • from $209,990 21


019-SW Map-London 2011.indd 19 2/27/14 2:43 PM

eastforesthomes.com

2013

Builder of the Year

Prices correct at press time. Pictures are for illustration purposes only. Promotions available on new construction only, is not applicable with any other promotion unless stated and may be cancelled or discontinued at any time. See Sales Representative for details. Broker protected.

E. & O. E. Effective March 2014

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$273,990START LIVING A BETTER TOMORROW NOW!

020-Eastforest Home 03-01-14.indd 20 2/26/14 2:14 PM


021-Senator Homes 02-15-14.indd 21 2/26/14 2:14 PM

//community focus

Location Tillsonburg

Housing type Adult lifestyle, single-detached custom freehold bungalows

saLes centre3 Esseltine Dr., open 10 a.m. to 5 p.m. Saturday through Thursday, Fridays and holidays by appointment

contact 519.842.4251 1.800.265.5709 baldwinplace.ca

Baldwin Place in TillsonBurgTillsonburg Developments’ adult lifestyle community

t he town of Tillsonburg is a Southwestern Ontario gem, offering both the idyllic lifestyle of a cosy community, and every modern amenity necessary to contemporary living.

Baldwin Place, Tillsonburg Developments’ premier adult lifestyle community, is a perfect fit for this community. Quality-built freehold homes with all-brick exteriors on spacious lots please even the most discerning of homebuyers.

Tillsonburg Developments is proud of its two new model homes, and will soon announce a third model to showcase its unique offerings. In total, there are nine different home designs to choose from, available on generous sized lots of 40-, 45- and 50-ft. Or, have Tillsonburg Developments custom design a home plan for you – you can even bring in your own home plan!


022-023 CF Tillsonburg_VB-WK.indd 22 2/27/14 2:33:33 PM

TILLSONBURG DEVELOPMENTS | Baldwin Place

All of the new model homes at Baldwin Place now have fully-furnished interiors – landscape completion is slated for this spring. Each of the model homes is available for purchase – and with a quick closing, you even have the option of buying a model fully furnished!

Gorgeous new homes at Baldwin Place start at a very affordable $232,000 including HST. There is a monthly $30 residential association fee that goes directly towards operation of the recreation centre, a vital part of the community. It’s an ideal space for neighbours to meet, and includes facilities such as a kitchen, library, saltwater pool and salt water spa and numerous meeting rooms. There are also a variety of activities for Baldwin Place residents – chosen and run by the residents themselves, through the volunteer board of directors.

Baldwin Place also offers selected homes finished to drywall stage, allowing Tillsonburg Developments to offer quicker possession dates, while still allowing customers the option of choosing interior colours and finishes. Clients always have a choice of elements including flooring, wall colours and cabinetry, amongst others. An interior decorator is also available free of charge for Baldwin Place residents.

Each of the new homes at Baldwin Place, such as the 1,490-sq.-ft. Ashby model with double garage, includes a laundry room, two washrooms, air conditioning and high-efficiency forced-air gas furnace. In fact, four models at Baldwin Place, including the 1,373-sq.-ft. Sherwood model, have single garages, while five boast a double-car garage.

In addition to the recreation centre, there are a myriad of recreation and leisure activities within the town of Tillsonburg and

surrounding area. For example, there are approximately 30 golf courses within a 30-minute drive of Baldwin place. No matter what the season, there’s always an activity to enjoy in Tillsonburg. The town boasts a bustling core with a variety of restaurants, retail outlets and the Tillsonburg Town Centre, making it the perfect spot for a day of shopping or a night out on the town. There are two medical centres and a hospital, too.

Tillsonburg Developments takes great pride in the fact that its team of professionals consists of local businesspeople, all of whom live and work in the community. The pride that these professionals take in their workmanship and community is obvious with the quality of life offered at Baldwin Place. With this strong commitment to the community, plus such a wide variety of options in home customization, everyone feels at home at Baldwin Place.

Visit the new sales centre today, and see for yourself how Baldwin Place embraces a modern lifestyle within a community-driven town.For more information, call 519.842.4251, 1.800.265.5709 or visit baldwinplace.ca

With this strong commitment to the

community, plus such a wide variety of options

in home customization, everyone feels at home

at Baldwin Place.


022-023 CF Tillsonburg_VB-WK.indd 23 2/27/14 2:33:38 PM

WOWCall us now at 1-800-265-5709 or visit: www.baldwinplace.ca

BALDWIN PLACE, TILLSONBURG

You can’t beat the quality, value and lifestyle at Baldwin Place.

Onsite, there’s a fully-equipped recreation centre… reach great golf and scenic drives in just

minutes. And because we’re right in town, shopping, dining and medical facilities

are just a few blocks away. Come for a visit and see why so many retirees of all ages have made

the Baldwin Place community their new home.

Our all-brick, detached, freehold homes start at $232,000 (incl hst)

with a monthly association fee of just $30!

3 ESSELTINE DRIVE, TILLSONBURG

MODEL HOME HOURS: OPEN MONDAY - THURSDAY, SATURDAY & SUNDAY 10AM TO 5PM.FRIDAYS & HOLIDAYS BY APPOINTMENT ONLY.

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

BP2014 NH&C Ad Final :Layout 1 1/23/14 2:48 PM Page 1


024-Baldwin Place 02-15-14.indd 24 2/26/14 2:14 PM

from

per monthP&I*

believe you can have it all

visit us online for model hours claysamhomes.com

Affordable HomeOWNERSHIP $80,000 less than KWNeighbourhoods of Devonshire brings you peaceful and

attainable family living in the growing community of

Woodstock. With convenient highway access and all major amenities just minutes away, Claysam offers you the perfect opportunity to own your home.

MODEL HOME NOW OPEN

Devonshire Ave

Dundas St

Parkinson Rd Towerline Rd

Township Road 2

Lansdowne Ave

Oxford Road 4

401

401

403

*Limited time offer. $784.46 per month based at 2.5%, 5 year closed mortgage amortized over 25 years with 25% down payment on purchase price of $224,900. P&I only. Applicable to the price of the home and does not include upgrades. Please visit the sales center for details. Offer and conditions may be subject to change without notice. E. & O. E.

dream

achieveBelieve

in home ownership in Woodstock

For information contact the Model Home at 519.421.1077 or

William Cattle direct at 519.868.6447 A Bell Fibe Community

025-Claysam-Devonshire 09-28-13.indd 1 2/26/14 2:14 PM

» by howard bogach

Inspect your new home carefully – before you move in

//tarIon report

One distinction between buying a new home in Ontario, versus an older resale, is the mandatory warranty that most single-family homes and condominiums come with – supplied by your builder and guaranteed by Tarion. The warranty ensures that homeowners receive a new home that is constructed in a workmanlike manner, is free from defects in material, is fit for habitation and is constructed in accordance with the Ontario Building Code. The first chance home buyers get to inspect their new home is during the Pre-Delivery Inspection, also known as the PDI, which takes place before you move in.

Your builder is required by Tarion to conduct a PDI with you on or before the day you take possession. This is your opportunity to view your home in its entirety, learn about how to maintain it and take stock of anything that may be damaged, incomplete, missing, or not working properly.

You may be excited to show it off to your friends and family, but this is not the time. The PDI is an important part of taking possession of your new home and deserves your full attention. If you are not able to attend yourself, you can ask someone you trust to be there on your behalf.

During the PDI, you should carefully examine your home both inside and out. Look for things such as chips in bathtubs and sinks, scratches on countertops, damage to floors, walls, cabinetry or other finishings, and doors and windows that are not secure or do not open and close easily.

Outside, check things such as the quality of brickwork and siding, whether window screens have been installed, and the appearance of the driveway and landscaping.

Your builder’s representative will note everything down on a PDI form. Review the form carefully to make sure it’s complete. This will become the official record of the condition of your home before you moved in. In case of a disagreement between you and your builder over whether any damage occurred before or after you took possession, we will refer to the notes on your PDI form.

If for any reason, the condition of the home makes it impossible to accurately assess its condition – for example, if there is still too much construction dust or debris covering the surfaces, you should ask the builder’s representative to reschedule the inspection until the home is cleaned. Sometimes, due to weather or other factors, you may not be able to inspect a certain item. If you are unable to assess something during the PDI, simply make note of it on the form.

Use the PDI as an opportunity to ask questions and learn about how your home functions. Your builder will show you how to operate your home’s systems, such as heating, electrical, air conditioning and plumbing, and provide you with operating manuals.

The New Home Buyer section on tarion.com has a number of resources to help you prepare for your PDI such as the PDI checklist and a guide to Getting Ready for the PDI. You’ll also find the Homeowner Information Package, or HIP, which your builder will provide on or before your inspection date. I always recommend buyers read the HIP before their inspection. Being informed and well prepared is the best way to start your homeownership experience!

If you have questions about your warranty, visit tarion.com or find us on Facebook at facebook.com/tarionwarrantycorp

howard bogach is President and CEO of

Tarion Warranty Corp. His column appears monthly

in New Home Guide. For more information

about how Tarion helps new-home buyers, visit

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

TarionWarrantyCorp.

The New Home Buyer section on tarion.com has a number of resources to help you prepare for your PDI such

as the PDI checklist and a guide to Getting Ready for the PDI.


026 Tarion Report_MT-VB-WK.indd 26 2/27/14 2:33:42 PM

AncAsterBeAmsvilleBinBrookBrAntBrAntfordBurlingtoncAthArines grimsBy hAmilton

miltonniAgArAoAkvillePArisPort doverst. cAthArinesstoney creekvinelAnd

hAmilton hAlton niAgArA

preview registrationrosehaven homes & homes by desantis Stoney Creek | On the Ridge coming in April – towns, semis and singles from the mid $200’s at mud st. and upper centennial Pkwy in stoney creek. liveontheridge.ca

kingwood homes Brantford | Riverwalk coming spring 2014 – master-planned community of luxury 40-ft. singles beside the grand river. kingwoodhomes.ca

homes by desantis Beamsville | Fiera coming soon to Beamsville – a stunning new collection of urban townhomes, priced from the low $200’s. homesbydesantis.com

dawn viCtoria homes South Burlington | Village West coming soon – register now for this small enclave of urban townhomes located on Plains road. ideal for commuters and young families. dawnvictoriahomes.com

diCenzo homes Stoney Creek | Blue Shores Waterside semis and singles from the mid $300’s. blueshores.info

forest park homes Fonthill | The Village Landing Pre-register for fonthill’s newest community – single-family homes and village homes. thevillagelanding.com

tobyn park homes Stoney Creek | Stoneywood Park coming spring 2014 – detached homes and townhomes, on-site greenspace, easy access to highways, conservation area and other amenities. stoneywoodpark.com

rosehaven homes Mount Albert | Victoria Highlands coming soon – 50-ft. detached singles. rosehaveninmountalbert.com

new horizon homes Bronte | Harvest coming soon – register now for these luxury freehold townhomes backing onto Bronte Provincial Park. newhorizonhomes.ca

spallaCCi homes Hamilton | Eden Park coming soon – simona Place the towns of eden Park exquisite collection of executive townhomes. spallaccihomes.com

spallaCCi homes Hamilton | 101 Locke Condos register now – Boutique condo living is coming to hamilton’s hip locke street. spallaccihomes.com

molinaro group Burlington | Paradigm the new Burlington opens soon – a new standard of condo living from the $200’s. paradigmcondos.ca

new openingskingwood homes Paris | Village on the Grand now open – luxury riverfront towns backing onto the grand river in historic downtown Paris, from the $230’s. villageonthegrand.ca

Cosmopolitan homes St. Catharines | Vintner Estates Bungalow and two-storey freehold townhomes located just steps from shopping, dining and more in an intimate enclave neighbourhood. vintnerestates.ca

spallaCCi homes Hamilton | Eden Park grand opening of chateau-inspired semis collection. spallaccihomes.com

mountainview homes Fonthill | The Residences at Lookout second phase now open – new bungalow collection on 50-ft. lots. mountainview.com

buCCi homes Grimsby | Bliss two-storey freehold executive towns located near 50 Point conservation Area, priced from the mid $260’s. buccihomes.com

augustine group Stoney Creek | Treviso select suites still available at this condominium in downtown stoney creek – including corner units and penthouses. trevisostoneycreek.ca

new releasesRosehaven homes Chippawa | Lyon’s Creek coming soon – model homes plus new release of 50-ft. detached lots. rosehavenhomes.com

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

emeRy condominiums Burlington | Appleby Club limited release of country club condominiums at Appleby and dundas. applebyclub.com

hAlton hills Wellington WAterloo

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

Please say you saw it in new home & condo guide!

New Home watCh

marCH 1 - 15, 2014 | New home & coNdo guide Swo 27

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Townhome/Condo

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low

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

Binbrook LOSANI HOMES Fairgrounds • • 77

Beamsville MOUNTAINVIEW HOMES Hillside Estates • 9

Brantford EASTFOREST HOMES D'Aubigny Forest Estates • • 20

Brantford EMPIRE COMMUNITIES Wyndfield • • from $224,990 2&3

Burlington ADI DEVELOPMENT GROUP LINK Condos & Towns • from mid $200's 38

Burlington EMERY CONDOMINIUMS Appleby Club • from $304,900 51

Burlington TOBYN PARK Park City • from $188,900 49

Caledon MONARCH The Village of SouthFields • • from high $300's 40&41

Fonthill MOUNTAINVIEW HOMES The Residences at Lookout • • 9

Fort Erie MOUNTAINVIEW HOMES Beaver Creek Estates • 9

Grimsby BUCCI HOMES Bliss • from mid $260's 43

Grimsby BRANTHAVEN HOMES Wave • from $177,990 13

Grimsby PHELPS HOMES The Bedford Collection • • from low $400's 39

Hamilton EMPIRE COMMUNITIES Summerlea • • from $289,990 2&3

Hamilton SPALLACCI HOMES Eden Park • from the $300's 52

Milton MATTAMY HOMES Hawthorne Village • • from $309,990 17

Niagara EMPIRE COMMUNITIES Imagine • from $209,990 2&3

Niagara, Fonthill FOREST PARK HOMES The Village Landing • • from $249,900 30

Niagara GREAT GULF Edgewood • from $310,990 79

Niagara MOUNTAINVIEW HOMES Fernwood • • 9

Niagara MOUNTAINVIEW HOMES Thundering Waters • • 9

Niagara PHELPS HOMES Streamside on the Twenty • • from mid $300's 39

Niagara Falls HOMES BY DESANTIS Lyon's Creek • • • • from mid $200's 47&48

Niagara Falls ROSEHAVEN Lyon's Creek • • • from mid $200's 47&48

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

Oakville MENKES Millstone • from $339,990 32

Oakville NEW HORIZON Mint Condominiums • from $239,990 37

Paris EASTFOREST HOMES Grandville • • 20

Simcoe EASTFOREST HOMES Woodway Trails • • • 20

Smithville PHELPS HOMES Brookside on the Twenty • • from $258,900 39

Smithville PHELPS HOMES Harvest Heights • • from the mid $200's 39

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

St. Catharines MOUNTAINVIEW HOMES Generations • 9

Stoney Creek EMPIRE COMMUNITIES Victory • • from $289,990 2&3

Stoney Creek HOMES BY DESANTIS On The Ridge • • from mid $200's 31&47

Stoney Creek ROSEHAVEN On The Ridge • • from mid $200's 31&47

Thorold GREAT GULF Rolling Meadows • from $299,990 79

Thorold MOUNTAINVIEW HOMES West Community • • • 9

Thorold ROSEHAVEN HOMES Gibson Heights • • from the $250's 47

Waterdown BRANTHAVEN HOMES Bohemian Towns • from low $300's 13

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

Welland MOUNTAINVIEW HOMES Harvest Estates • • 9

29

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MORE SELECTION. MORE SPACE. MORE SAVINGS.Since 1920 Fonthill has been a destination community for those seeking comfortable, quality, custom homes in the town of Pelham. Today, Fonthill offers much more. This historic community offers incredible value, plus a beauty and quaint presence that remains unchanged with the changing times.

Forest Park Homes is excited to become part of this tradition. Bringing a history of award-winning designs and exceptional finishes, Forest Park Homes offers residents more than they could possibly imagine in The Village Landing in Fonthill.

VILLAGE TOWNESPRICED FROM$249,900VILLAGE SINGLESPRICED FROM$349,900

1526 HAIST STREET, FONTHILLHOURS: TUES-THURS: 2-7 WEEKENDS: 12-5289.897.8751 THEVILLAGELANDING.COM

Forest Park Homes

Corporate Identity

PANTONE

CMYK

BLACK AND WHITE

REVERSED

PANTONE

CMYKBLACK AND WHITE

COLOUR BACKGROUND

INVERTED

OTHER OPTIONS

ForestPark_Corp_Logo.ai

Acceptable logo variationsN/AAugust 2011

x

xx

xx

x

DUTCH801 BT ROMANH E L V E T I C A R E G U L A R

FINAL LOGO: ACCEPTABLE FORMATS FOR USAGEOPTIONS AVAILABLE COLOUR SPECS

PMS 7536CPMS Black 7C

FONTHILL. A COMMUNITY WITH MORE.

MODELHOMENOWOPEN

MODELHOMENOWOPEN


030-Forest Park-Village Landing 01-18-14.indd 30 2/26/14 2:14 PM

Coming April 2014

Towns, Semis, Singles, $200’sfrom the mid

Walk, Bike or Play at Stoney Creeks’ Newest Community

On The Ridge is coming to Mud St. and Upper

Centennial Pkwy. in Stoney Creek this April. It’s the kind

of community where neighbours greet each other by

name and kids make best friends for life. Where nature

is spectacular along the Niagara Escarpment. And the

stone and brick homes offer exceptional charm and

are as special as the families who will call them home.

Register today at LiveOnTheRidge.ca

*Prices and specifications correct at press time. Rendering is artist’s concept. E. & O.E. Prices quoted are in $ thousands. 31

031-Rosehaven HBD-On the Ridge 01-18-14.indd 31 2/26/14 2:14 PM


032-Menkes Millstone 03-01-14.indd 32 2/26/14 2:14 PM


033-Menkes-Enclaves 11-09-13.indd 33 2/26/14 2:14 PM

//community focus

Location St. Catharines

Housing type Bungalow, bungalows with loft and two-storey plans from $299,900

saLes centreWelland Canals Parkway & Rockwood Ave.

contact 905.688.7800 1.888.996.9949 [email protected] bwhomes.ca

Discover country in the city at Victoria Village

i f you’re looking for country in the city, look no further than Victoria Village, Niagara’s waterfront community like no other.

Located right on the Welland Canal Trail in St. Catharines, the city’s “other” waterfront, it’s an active person’s paradise for blading, walking, running or hiking and, of course, biking – nearby trails are part of the Greater Niagara Cycle Route. It’s off the beaten track, yet there are two golf courses within five minutes, organized recreational and programs for kids and adults alike at nearby rec centres and parks, and White Oaks Fitness & Squash Club.

Residents are anxiously anticipating the May 15 opening of Canada’s largest open-air mall, the Niagara Outlet Collection Mall. With it being five minutes away, residents are literally around the corner and yet will be spared the hustle and bustle of traffic congestion. It will open its doors to more than 100 retail shops and services including Bass Pro Shops, fashion giant Forever 21, Banana Republic, Bench Outlet, Brooks Brothers Outlet, Calvin Klein, Gap Outlet, Izod, Michael Kors Outlet, Naturalizer, Osh Kosh, Tommy Hilfiger and Van Heusen, to name just a few. There will also be a farmer’s market. St. Catharines, Niagara Falls and Welland also offer great shopping opportunities within minutes.


034-035 CF BW Homes_VB-WK.indd 34 2/27/14 2:33:50 PM

BW Homes excels at customization on new construction or modifications to existing

homes, so buyers can always achieve a home for their needs.

BAYVIEW-WELLINGTON HOMES | Victoria Village

Presented by Bayview-Wellington Homes, Victoria Village presents fine living within luxury homes along the Welland Canal, one of the most famous waterways in the world. This Maritime-influenced community is where residents will enjoy a spectacular parade of ships from international waters. Not far from its flagship, golf course community of Niagara-On-The-Green, Victoria Village pays homage to soldiers awarded the Victoria Cross through its street names.

As always, your welcome to Victoria Village is warm and friendly. Staff are pleased to offer a tour of existing homes, with many offering immediate closing dates. One they will encourage you to visit is the Preston 3, a two-storey, four-bedroom home of 2,215 sq. ft. with a two-car garage. Its country kitchen is ideal for this country setting, set within an open-concept main floor that includes a living/dining area and a family room alongside the kitchen, and a main floor laundry. Upstairs, you enter the solace of the master suite through double doors and discover a huge walk-in closet and an ensuite with Roman soaker tub and separate shower. Two of the three additional bedrooms also have walk-in closets. All homes include central air, gas fireplace and fully sodded lots with paved driveways. BW Homes excels at customization on new construction or modifications to existing homes, so buyers can always achieve a home for their needs.

Homebuyers can choose from bungalow, bungalow/loft and two-storey plans so everyone from empty nesters to the growing family will find a fitting design to suit their needs. Bungalow plans offer living areas of 1,160 to 1,250 sq. ft. to as much as 1,750 sq. ft. with the loft option. Two-storey plans are spacious with sizes ranging from 1,521 to 2,530 sq. ft.

All these activities and lifestyle opportunities make Victoria Village a wonderful location with a wonderful starting price – $299,900 for a home of 1,521 sq. ft.

Although Victoria Village is just a two-minute drive from the QEW, the canalside location provides an undeniable sense of country living and yet is never far from every lifestyle need and desire.

For more information, call 905.688.7800, 1.888.996.9949, email [email protected] or visit bwhomes.ca


034-035 CF BW Homes_VB-WK.indd 35 2/27/14 2:34:01 PM

» by Jeff Paikin

//building blocks

Jeff Paikin Past President of HHHBA,

has been in the building industry for more than 20

years. As President and CEO of New Horizon Development Group

(Builders of the inaugural CHBA Green Home of

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

he hasn’t seen. Jeff will provide regular insight

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

to make a purchase. He can be reached at

[email protected]

When purchasing a new home, keep in mind that you’re not just investing in a property, you’re investing in a neighborhood. Even if you spot the house of your dreams, if the neighborhood isn’t a good fit, you may never come to love your home. Your choice of neighborhood will directly impact your family’s lives in very tangible, real-world ways for many years to come.

Whether it’s a tree-lined street of historic homes or a new golf course community in the suburbs, good neighborhoods often share common traits such as proximity to employment, shopping, transportation and good schools. Still, there is no single definition of a good neighbourhood. Young families may value schools and parks, whereas others favour cafes, theatres and restaurants. That distinction will ultimately be determined by your priorities and preferences. With a little diligence, you should be able to determine what neighbourhood will best suit your lifestyle. TAKE A TOUR If you’re contemplating a move to an unfamiliar neighbourhood, take time to do some exploring. Walk and drive around to get a feel for the community. Spend a “day in the life” of the neighbourhood and take some notes. Try to get a sense of the area’s vibe and traffic volume at different times of the day. Check out local services and businesses and see if the nearby amenities accommodate your needs and desires. Proximity to medical facilities, places of worship and shopping all contribute to the livability of your new home.

What is the demographic make-up of your desired community? Diversity makes the world delightfully interesting, but it’s a good thing to be close to people who share your lifestyle and interests. If you’re a young family with small children, you may find it preferable to live in an area that houses families like your own.

What condition are residents keeping their properties in? No matter how diligent you are in the upkeep of your property, a run-down neighbourhood can drive down your property value. Look for pride of ownership, with well-maintained properties.

Ultimately, there is really no better way to get information than talking to the people who live there. Ask them what they like best about the area, and if there are any problems you might not be aware of. Is there a neighborhood association? Is there a strong sense of community? Are homes holding their value? COMMUTING How long will it take to get to work? Will you be going with or against traffic? Is the route easy to navigate? Realistically time those daily commutes, and do it at the actual time you’ll be making the drive. It is essential that you take into account the various commutes of all of your family members to ensure that no one will be unfairly burdened with unreasonable travel conditions.

How to cHoose

the right neighbourhoodSCHOOLS Parents often pick a school district before they consider other criteria. If this ranks high on your list or priorities, find out how the district ranks, how much money is spent on each child, class sizes, available facilities and test scores. Visit the school if you can, to get a better feel for what it’s really like. This is also an excellent way to include your children in the process, so they can feel empowered at a time when they might be feeling anxious. Even if children aren’t in your plans, owning a home in an area with great schools will help your resale value down the road.THE FUTURE Investigate where your desired neighbourhood’s future is heading. Is it in a convenient location where people want to move? How are home sales in the area? Are builders pressing to keep up with the demand? These are telling indicators of future value and positive signs that you are choosing a desirable community.

You should also pay attention to the zoning and transportation planning for any undeveloped areas nearby. Visit municipal offices to investigate how the surrounding land is zoned. Check for approvals of large commercial projects or road construction. Some changes can be in the works long before they become visible. An unfavorable rezoning or less than desirable construction project may be on a drawing board, ready to pop up shortly after the ink is dry on your new mortgage. Find out what’s ahead for your area; the news might even be good, with a project that could send valuations soaring.

Not many people get everything on their wish list. Most people buy homes that represent compromises they have decided they can live with. Finding that balance is a personal thing. But if you do your homework, you’ll have a better chance of making an informed decision, and that will certainly tip the scales in your favour.


036 Column Jeff Paikin Building Blocks_VB-WK.indd 36 2/27/14 2:34:09 PM

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Our homeowners often tell us they can’t wait to enjoy their new Phelps home. That’s why we created our Ready-For-You collection of homes that can be move-in ready in as little as 30 days! Like all Phelps homes, these incredible homes are backed by our assurance of quality and customer service we’ve built our reputation on. Visit today then start packing!

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905.945.6978 | PhelpsHomes.comPrices, features and specifications are subject to change without notice and are accurate at time of publication. Some illustrations are artists’ concept.

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Discover the Phelps community right for you in locations across Niagara, Smithville, Stoney Creek, Grimsby and Jordan.

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CALEDON | SOUTHFIELDS | NEW RELEASESINGLES FROM THE LOW $600,000’sTOWNS FROM THE UPPER $300,000’s Sales Centre located at 12515 Kennedy Road (Kennedy Rd. and Mayfield Rd.)905-843-0707

SCARBOROUGH | EVERGREEN | A FEW CHOICE HOMES REMAINTOWNS FROM THE UPPER $400,000’sSales Centre located at 70 Town Centre Court (Town Centre Crt. and Borough Dr.)416-495-3574

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Monarchfirst.Before the ‘60’s changed the world. Before the Baby Boom began. Before the Roaring ‘20’s took us dancing to the Charleston or out to the movies, Monarch was here. First. For 96 years, families have trusted Monarch for the most important investment of their lives. So choose the one builder who has always been there for Canadian families. And visit Monarch. First.

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Sales Centre located at 165 Timber Creek Boulevard416-495-3513

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Monarchfirst.Before the ‘60’s changed the world. Before the Baby Boom began. Before the Roaring ‘20’s took us dancing to the Charleston or out to the movies, Monarch was here. First. For 96 years, families have trusted Monarch for the most important investment of their lives. So choose the one builder who has always been there for Canadian families. And visit Monarch. First.


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//community focus

West Bloom and UptoWns of WaterdoWnThe best of both worlds from CountryGreen Homes

c ountryGreen Homes offers the best of both worlds, whether you’re looking to buy in a young, urban community or in an older, established neighbourhood.

Savvy buyers have already discovered Waterdown to be an unbeatable location offering small town village charm along with big city conveniences.

Located close to major highways and the Niagara escarpment, Waterdown is home to an abundance of greenspace and is just minutes away from the most sought-after amenities. Here, you’ll find plenty of parks, shopping, primary and secondary schools and recreational centres.

It is also home to one of the most sought after townhome communities, the Uptowns of Waterdown by CountryGreen Homes. Offering urban-style two- and three-storey back-to-back townhomes in either condo or freestyle units, these towns are designed for today’s growing families at unbeatable prices.

Spacious open concept floorplans offer a wide range of impressive standard features


044-045 CF CountryGreen Homes_VB-WK.indd 44 2/27/14 2:31:07 PM

COUNTRYGREEN HOMES | Uptowns of Waterdown, West Bloom

LocAtionWaterdown

HousinG tyPEUptowns of Waterdown, two- and three-storey back-to-back townhomes; West Bloom, single-detached homes

sALEs cEntREUptowns of Waterdown, 619 Centre Rd., open Monday to Wednesday, 2 to 7 p.m., Th ursday and Friday by appointment and Saturday and Sunday from 11 a.m. to 4 p.m.; West Bloom, Connell Crescent, open Monday to Wednesday from 2 to 7 p.m., Th ursday and Friday by appointment and Saturday and Sunday from 11 a.m. to 4 p.m.

contActUptowns of Waterdown, 905.690.7600 West Bloom, 905.389.5979

and optional designs from 1,168 to 1,881 sq. ft. with prices starting at $259,900.

You’ll also fi nd three-storey traditional and executive freehold townhomes ranging in size from 1,990 to 2,492 sq. ft. and priced from $359,900.

Why not see for yourself why more and more buyers are fl ocking to the Uptowns of Waterdown. Purchase now and receive $5,000 in free upgrades! Visit the sales pavilion at 619 Centre Rd. in Waterdown or call now 905.690.7600 for further information. Hours are from Monday to Wednesday, 2 to 7 p.m.; � ursday and Friday by appointment and Saturday and Sunday from 11 a.m. to 4 p.m.

If a single-detached is more your style, just a short drive away you’ll fi nd another exciting CountryGreen Homes’ community – West Bloom located on Hamilton Mountain.

Nestled in an already established neighbourhood off Upper James, West Bloom lies within a treasure trove of single-detached homes. A commuters’ dream, this quaint and quiet enclave is only minutes away from the Red Valley

Expressway, Hwy. 403 and the Alexander Parkway. With easy proximity to the fi nest amenities only an

established neighborhood can off er, West Bloom is within walking distance to major shopping, restaurants, schools and a short drive to downtown Hamilton.

Open concept plans range from the three-bedroom, two full bath Freesia model with 1,682 sq. ft., to the spacious 2,398-sq.-ft. Delphinium model which includes a separate dining room and a handy computer niche. Both homes boast stylish breakfast bars in the kitchen and ample closet space in bedrooms. And for the buyer who appreciates that custom touch, there are a number of optional designs available. Priced from the mid-$300’s, with only eight singles left, this may be your last opportunity to purchase!

Visit the West Bloom model located on Connell Crescent. � e sales offi ce is open Monday to Wednesday from 2 to 7 p.m., � ursday and Friday by appointment and Saturday and Sunday from 11 a.m. to 4 p.m. For more information, call 905.389.5979.


044-045 CF CountryGreen Homes_VB-WK.indd 45 2/27/14 2:31:18 PM

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What are “quantitative easing” and “tapering”? Over the last couple of months, you’ve likely read the words “quantitative easing” and “tapering” in any news story about the U.S. economy. What you may not have read about yet is the impact this has had on Canadian mortgage rates. Here’s a look at what’s been happening and what it could mean for mortgage rates in the future.

In the midst of the financial crisis, the U.S. Federal Reserve lowered its short-term overnight interest rate all the way to zero. This effectively left them with little power to further stimulate the economy. So, the central bank essentially printed more money to buy bonds and other financial assets from banks, in a program known as quantitative easing.

The banks, now flush with cash, were then able to loan more money to Americans, helping the economy grow. The bond-buying spree drove up bond prices and lowered yields (which have an inverse relation with prices). Lower yields then lowered borrowing costs, which stimulated the economy further.

The central bank repeated this a few times, until it eventually took its balance sheet to slightly more than $4 trillion – from roughly $800 billion pre-financial crisis.

In the first half of 2013, the U.S. Federal Reserve started talking about “tapering off” the quantitative easing program. The taper was officially announced in December, with a plan to purchase only $75 billion of debt securities in January and to reduce the purchases in future months.

//mortgage advice

» by alyssa richard

The effect on Canadian mortgage ratesSo, what does this all have to do with Canadian mortgage rates?

Under quantitative easing, the 10-year Treasury yield jumped from 1.65 per cent before any talk about tapering to 2.80 per cent in late August 2013. In January, it was sitting at 2.86 per cent.

U.S. markets often act as something of a “price setter” for the Canadian market, and Canadian bond yields tend to follow U.S. bond yields. Generally speaking, higher U.S. bond yields will result in higher Canadian bond yields.

Furthermore, Canadian fixed mortgage rates follow Canadian bond yields with a strong correlation. Since last May, both the five-year Canadian bond yield and average five-year fixed mortgage rate have risen substantially (shown in chart).

Overwhelmingly, economists expect U.S. bond yields to keep rising in 2014, as a result of an allegedly stronger U.S. economy and further (expected) tapering by the U.S. Federal Reserve; this would in turn push Canadian mortgage rates up even further.

U.S. tapering and its effect on Canadian mortgage rates

alyssa richard is the Founder and CEO of ratehub.ca, a mortgage

rate comparison site that aims to empower

Canadians to make smart financial decisions.

4

3

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Mortgage rates by: ratehub.ca


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H amilton may be only less than an hour’s drive west along the Queen Elizabeth Way, but it has long lived in the shadows of its big city neighbour Toronto.

Long known as Steeltown, The Hammer and other less-than-complementary monikers, Hamilton has undergone a fundamental transformation that has the city poised for long-term prosperity.

For homebuyers considering purchasing in the area, there are good reasons to consider Hamilton. The city has been cited as among Canada’s most welcoming areas, particularly for first-time buyers.

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

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

HamiltonNew economy, bright future

city focus//

» by Wayne Karl

Hamilton at a glancePoPulation 692,000, metro areamajor Post-secondary institutions McMaster University, Brock University, Mohawk Collegenumber of Public and catHolic scHools 180major emPloyers Health services, manufacturing, government, education sectorsaverage Home Prices

Sept. 2013: $386,098 Sept. 2012: $359,822

distance from toronto 70 kilometres, 45 minutes


053-054-055 City Focus Hamilton_VB-WK.indd 53 2/27/14 2:31:32 PM

Economic growth in Hamilton is strong. Th e Conference Board of Canada, in its Metropolitan Outlook – Winter 2014, cited the Hamilton-Burlington economy as one of the fastest growing in Ontario for 2014 – forecast to grow 2.5 per cent. In its outlook for Autumn 2013, the Board forecast growth of 1.3 per cent in 2013, as the city faces some challenges in manufacturing and in the services sector.

Hamilton’s gross domestic product (GDP) is being boosted by renewed demand for steel and growth in several other manufacturing industries.

Housing demand in Hamilton is to remain stable through 2014, as improving economic conditions and higher net migration will support demand in the area, according to Canada Mortgage and Housing Corp. (CMHC).

Gradual improvement in job and income growth during the latter part of this year, combined with modest price increases, should support Hamilton resale activity, CMHC says.

Th e Hamilton census metropolitan area (CMA) is seeing something of a shift towards higher-density housing, while lowrise starts are seeing more concentration in surrounding communities.

In the Hamilton CMA, the average new home price will be driven by compositional factors, CMHC says.

Average home prices are also on the rise, to $386,098 in Sept. 2013 from $359,822 in Sept. 2012, according to the Canadian Real Estate Association.

Non-residential projects underway in the region include major expansions in the health care sector, and millions of dollars spent on infrastructure improvements. A new rapid transit system is also being

It is home to the Royal Botanical Gardens, a major tourist attraction and significant local and regional horticultural, education, conservation and scientific resource.

54 New home & coNdo guide Swo | marCH 1 - 15, 2014 55


studied, which is expected to further benefi t already improving inter-city travel. Th e city is working with Metrolinx, the provincial body responsible for

expanding transit in the GTA and Hamilton area, and is awaiting a fi nal recommendation for the project.

Other recent signifi cant industrial news includes Canada Bread’s new $100-million, 375,000-sq.-ft. bakery in the city’s industrial park in Glanbrook, replacing three smaller operations in Toronto. Th e project is to create 300 permanent jobs, as well as 120 construction and 31 seasonal positions.

Columbian Chemical also recently announced a major expansion of carbon black production at its plant in Hamilton.

Beyond these industrial expansions, Hamilton is also seeing a marked increase in other types of businesses moving into the downtown area. Much of the employment growth, in fact, is taking place in creative services, education, professional-scientifi c and health care.

CMHC says job prospects are expected to continue to improve, and Hamilton will likely fare better than other Ontario markets due to its increasingly diverse base of industries, which keep the labour market more balanced.

Th anks to billions of dollars in infrastructure improvements around and within the city, as well as expanded GO Train services, the “new” Hamilton is becoming more accessible as well as desirable. Buyers can acquire more aff ordable property here and commute to Toronto, or other neighbouring communities such as Burlington, Oakville or Mississauga. An emerging condominium market provides buyers with an even more aff ordable entry into Hamilton.

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

Hamilton also has plenty going for it in terms of culture and entertainment. It is home to the Royal Botanical Gardens, a major tourist attraction and signifi cant local and regional horticultural, education, conservation and scientifi c resource.

Th e city is also home to the Art Gallery of Hamilton, Ontario’s third largest public gallery.

For sports enthusiasts, there’s the Hamilton Tiger Cats of the Canadian Football League, and the Hamilton Bulldogs of the American Hockey League and play out of Copps Coliseum. Copps, located downtown, which also serves as a venue for concerts and other events.

If living in the city is not exactly your favour, development is also leading to growth in adjacent areas such as Ancaster, Dundas, Flamborough, Glanbrook and Stoney Creek. Homes by DeSantis, Losani Homes, Branthaven Homes, Mattamy Homes, Rosehaven Homes and other builders all have communities under way in these towns.

54 New home & coNdo guide Swo | marCH 1 - 15, 2014 55


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macpherson builders Seaforth | Bridges of Seaforth Country living at its finest at one of Ontario’s premier adult lifestyle communities. bridgesofseaforth.ca

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

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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!

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reid’s heritage homes Kitchener | The Oaks Grand opening of new 56-suite condominium. Offering a great selection of floorplans that suit a variety of budgets and lifestyles in an established community. reidsheritagehomes.com

reid’s heritage homes Guelph | Westminster Woods New building release at Kingsbury Square, as a result of the first Kingsbury building selling out quickly. New standard features and finishes. located in desirable South Guelph. reidsheritagehomes.com

reid’s heritage homes Fergus | Westminster Highlands two-storey townhomes just released, midrise coming soon. Master-planned community in Fergus. Choose from a variety of single-detached homes, and bungalow and executive townhomes – close to amenities and trails. reidsheritagehomes.com

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

fusion homes Guelph | Privada Final release now underway for this collection of bungalow townhomes. fusionhomes.com

gemini homes Guelph | Creekside Special release – last lot in Creekside, Cobalt semi-detached with pie-shaped lot now available. geminihomes.ca

gemini homes Guelph | The Highlands Semi-detached homes from the $320’s, including a/C and granite kitchen counters. Walkouts available. geminihomes.ca

New Home watch


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A HERITAGE COMMUNITY COMPLETE WITH MODERN AMENITIES

Eby Estates, an exceptional ENERGY STAR® community, offers delightful single-

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A unique neighbourhood in which the developer has fostered an old-style setting

via deeper than average lots, a gracious entryway, heritage-style streetlamps and

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Reid’s introduces townhome living to Westminster Highlands in

FERGUSN ot far from the banks of the Grand

River, Reid’s Heritage Homes is making it possible for more

residents to enjoy small town living but in low maintenance townhomes that appeal to many types of homebuyers within Reid’s newly established community of Westminster Highlands.

Th is limited collection of Wellington Executive Townhomes and Ellersly two-storey towns complement the lowrise condos, and detached singles and bungalows that mirror the essence, design and style of Reid’s Westminster Woods, its master-planned community in Guelph.

Taking shape just off Hwy. 6 at the entrance to Fergus, Westminster Highlands is just steps to amenities, and is still only a short walk to the historic downtown and its river views. Residents will enjoy the historic charm,

modern amenities and many kilometres of natural beauty blended with a meandering hiking trail – all right at their doorstep. All the features, amenities and lifestyle attributes are close at hand, and ready to adorn this master-planned community being carefully crafted and designed here in Fergus.

Fergus is a quiet town, settled in the midst of day tripping country and less than 15 minutes to Guelph, and only 30 minutes to Hwy. 401. Recreational infl uences abound, with a wonderful array of dining spots, a recreation centre with three ice hockey rinks and amenities for families of all ages. Right at the river’s edge, you’ll fi nd the Fergus Market set into one of the most architecturally signifi cant buildings in Fergus. Follow Th e Grand River as it winds through the town over to Elora and its wonderful gorge. Th en mark your calendars for early August for the

//COMMUNITY FOCUS

LOCATIONFergus

HOUSING TYPETownhomes

CONTACT519.378.4578 reidsheritagehomes.com


062-063 CF Reid's_MT-WK.indd 62 2/27/14 2:31:53 PM

Fergus is a quiet town, settled in the midst of day tripping country and less than 15 minutes to Guelph, and only 30 minutes to Hwy. 401

Fergus Scottish Festival and Highland Games, a weekend filled with Celtic music, highland dancing, pipes and drums, fun and frivolity and more.

These towns are perfect for busy execs, families, snowbirds, singles… anyone with a desire to put lifestyle first and home maintenance last. Construction will begin in the near future with completion and occupancy scheduled for later this year. Prices begin at $274,900, with a large selection of standard finishes as well as upgrades to choose from.

The Wellington Executive Towns offer a choice of three plans for discerning living. As interior units of 1,450 and 1,467 sq. ft., both the Beechwood and the Cedarcroft are spacious with barrier-free floorplan. There is an easy flow from foyer through the kitchen and into the combination living/dining room, complete with a garden door to the yard. Each features a master suite with ensuite, two additional bedrooms and a bath. Basements can also be partially finished for additional living area.

The Rocklyn end unit of 1,541 sq. ft. showcases a loft, main floor master bedroom with ensuite and a second bathroom. An extended loft is also available, adding about 200 sq. ft. that can accommodate a bedroom and bathroom, ideal as a guest suite. Columns define the side entrance with some formality as it opens into a two-storey foyer with a den/dining room to the front of the home and the kitchen and living room to the back, which opens onto a charming covered porch. There is also a main floor laundry and the option of finished living areas in the basement.

More intimate in size but just as gracious, the Ellersly towns are well-planned with living

REID’S HERITAGE HOMES | Westminster Highlands

rooms that extend across the back of these units taking advantage of their full width. Master suites include a walk-in closet and sitting area or can be upgraded with an ensuite in its place. A second floor laundry is standard or can be placed in the basement in favour of a main bath and master bath. Sizes range from 1,223 to 1,249 sq. ft. with three bedrooms and 1.5 baths as standard.

Construction is underway, so occupancy can be as early as late spring/early summer, just in time for the Highland Games! Come home to Fergus and Westminster Highlands where life is grand.

For more information, call 519.378.4578.


062-063 CF Reid's_MT-WK.indd 63 2/27/14 2:32:02 PM


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The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. Renderings are artist’s concept of the completed buildings and are subject to change. *Prices subject to change. E. & O. E. **Applies to mid-rise condominiums only. Some restrictions apply. See a sales consultant for more information.

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In a Sifton home.

THE SIFTON DECOR CENTRE is the only one of it’s kind in London, Ontario, and provides a level of service and convenience that you can only enjoy with the purchase of a Sifton home. Winners of London’s Builder of the Year Award in 2012, our experienced and knowledgeable staff will make choosing the finishes and fixtures throughout your home a simple and stress-free process. We provide a one-stop-shop of design expertise to help bring your vision to life. 3000 sq.ft. Decor Centre | Professional Decor Consultations

In a Sifton home, you will experience the difference of our expertise with customer service excellence throughout your entire purchasing process.

Find Your Perfect Home at Sifton.com | 519-850-0756

Builder of the Year Award in 2012, our experienced and knowledgeable staff will make choosing the finishes and fixtures throughout your home

customer service excellence throughout your entire purchasing process.

Pricing and lot availability subject to change without notice E. & O. E.

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Despite what you often hear, buying a home isn’t only about location, location, location. True, this is the time-tested fi rst rule of real estate, but there are other determining factors you must consider as part of your selection process. Indeed, there’s a new rule of thumb for buying real estate.

LOCATIONFirst, what does that old adage really mean? Of course, we’d all love a high-end home 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, shopping, schools and other amenities is among the key determinants that aff ect 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 home has when you go to sell, the more desirable it will be to a greater number of people. � is equates to demand – mul-tiple off ers and a higher price.

INFORMATION Whether you’re a fi rst-time homeowner, “buying up” to accommodate a growing family or “right-sizing” as an empty nester, education is critical. And these days, with digital media and mobile technology, all the information you need is at your fi ngertips. From the content here in this magazine, to the resources available to you at Canada Mortgage and Housing Corp. (CMHC), to the local market expertise of new-home sales staff and realtors, the more knowledge you have, the better equipped you are to make informed decisions about buying, maintaining and eventu-ally selling your home.

TIMING � ough your home is your primary residence, it is also an investment. Where you buy is usually determined largely by where you want to live, work and play. But when you buy and sell is also important. Like any fi nancial instrument,

real estate can fl uctuate in value and your timing can determine how good of an investment it is. Given today’s challenging economic climate, there’s no shortage of media reports on the ups, downs, crashes and surges of the housing market. But if you’ve done your research, you won’t be spooked

– or excited – by big-picture reports on short-term market performance. You know that real estate is not national or even regional – it’s very specifi c. You don’t buy the Canadian market and you don’t buy a provincial or even regional market. You buy a specifi c home, on a specifi c street ina specifi c neighbourhood.

So, it’s not just about “location, location, location.” � e new adage is

“location, information and timing.” Do well with all three, and over the long haul your home is going to be one of the best lifestyle and investment decisions you ever made.

PAY ATTENTION TO LOCATION INFORMATION AND TIMING

How to fi nd a home?

//FUNDAMENTALLY SPEAKING

WAYNE KARL is an award-winning

writer and editor with experience in real

estate and business. In Fundamentally

Speaking, Wayne explores the basics – such as

economic fundamentals – you need to examine

when buying property. He can be reached at

[email protected] or follow him on Twitter

at Twitter.com/WayneKarl

» by WAYNE KARL


066 FS-Location information timing_BD-VB-WK.indd 66 2/27/14 2:32:10 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

homebuyers’ help//


067_072-074 Homebuyers Resource_BD.indd 67 2/27/14 2:32:12 PM

68 NEW HOMES SOUTHWESTERN ONTARIO | JANUARY 12 - 26, 2010

ONTARIO’S MOST-READ NEW HOMES GROUP

INSIDE THIS ISSUE

10 TIPS FOR FINDING THE PERFECT HOME

DESIGNER ADVICE:LIGHTEN UP FOR SPRING

HOW TO BUYFOREIGN PROPERTY


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Wall2Wall Media participates in the Partner’s In Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over two 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.

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hot dates//

mar 1-2

Sweet Water Season crawford lake miltonLearn how maple syrup was discovered and used by Ontario’s First Peoples. Sweet Water demos, maple themed crafts and discovery hunt for kids and more.

conservationhalton.ca

mar 1-16

Annual Maple Syrup Festival bronte creek provincial park oakvilleExperience a traditional Maple Festival-Victorian Style! Guided tours, wagon rides, pancakes, farm animals, heritage homestead, gift shoppe, museum, fresh maple sugar and taffy on snow! Allow two to three hours.

BronteCreek.org

mar 5-7

London Farm Show western fair district londonThe London Farm Show at the Western Fair District is now in its 76th year and features more than 275,000 sq. ft. of exhibit space and more than 380 exhibitors. As the largest indoor spring farm show in eastern Canada, it continues to provide companies an opportunity to display big brand equipment, provide insightful speaker programs and showcase the latest products and services in agriculture.

westernfairdistrict.com

mar 7-9

Greater Hamilton Home & Garden Show players paradise sports complex stoney creekShop for incredible specials and get inspired at the Greater Hamilton Home & Garden Show at Players Paradise Sports Complex. Enjoy features such as the KidZone, Feature Garden and so much more!

thehomeshow.ca

mar 8-16

March Break: Work and Play whitehern historic house & garden hamiltonTake a break from school the old fashioned way! Put on an apron and try your hand at scrubbing on a washboard, rolling dough, and shopping or try outdoor games like egg and spoon or badminton.

hamilton.ca

mar 11-15

March Break at the Museum st. catharines museum and welland canals centre st. catharinesPlay at St. Catharines Museum this March Break! This week features crafts and activities for the whole family and a visit from the dinosaurs of Club Rex.

stcatharines.ca

mar 1 to 15

Calendar of events beginning from

March 1 to 15, 2014


071 Hot Dates-VB-WK.indd 71 2/27/14 2:32:18 PM

Calculate your mortgage payments

01 Calculate the combined monthly before-tax income

of you and your spouse.

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

can afford to make on your home.

03 Take the total price of the home and subtract the

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

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

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

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

Divide by 1,000.

06 Add to this your estimated monthly heating costs and

monthly property taxes.

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

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

Chart figure mortgage amount ÷ 1,000interest rate monthly payment

example: 5% 25 Years 5.82 (mortgage amount $125,000) 125 $

amortization period

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

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



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

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

Mortgage payment calculation chartamortization periods

Interest rates

10 Years

15 Years

20 Years

25 Years

30 Years

%



Compare mortgage rates for your best deal

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

notes: **interest rate charged subject to adjustment during term mortgage. please consult institution for term of years available. all rates are prime rates and subject to change without notice.r.o.r. rates on reQuest op open ----- not Quoting n/a not aVailaBlefebruary 24, 2014. prepared By fiscal agents financial information services 905.844.7700

OTHER FINANCIAL INSTITUTIONS

TRUST COMPANIES

atB financial 2.7 2.94 2.89 2.99 3.39 3.69 6.30op 6.30op 6.50op alterna svgs/alterna Bk 3 4 3.09 3.14 3.19 3.35 3.45 6.30op 6.30op Bank of montreal 3 4 3.14 3.04 3.85 4.64 3.69 6.30op 6.30op Bank of nova scotia 2.6 4.55 3.75 2.79 3.99 4.39 3.49 6.45op 6.50op Canadian Western Bank 4 3.14 3.14 3.85 4.64 5.24 6.45op 6.30op Cff Bank 3.69 3.75 3.79 3.79 3.39CiBC 3 3.09 2.79 2.99 3.39 3.69 6.70op 6.35op hsBC Bank Canada 2.65 4.45 2.7 3.95 2.93 4.99 3.49 6.20op 6.35op iCiCi Bank Canada 3.05 3.15 3.65 3.64 3.69 3.89ing direct 3 3.19 3.24 3.49 3.69 3.99manulife Bank 2.7 4.45 3 3.05 3.1 3.4 3.59 4.00op national Bank n/a 4.4 3.14 3.14 3.75 4.64 3.59 6.70op 6.70op president’s Choice finan 3 3.24 3.59 3.69 4.09royal Bank 3 3.14 3.04 3.75 3.39 3.69 6.30op 6.30op td Canada trust 3 3.09 2.89 3.75 4.64 3.69 6.30op airline financial C.u. 4 3.01 3.1 3.33 3.65 3.99 6.25op luminus financial 2.55 3.2 2.8 2.95 3.35 3.6 6.3

Community trust n/a 6.5 3.14 3.25 3.95 4.74 5.34effort trust n/a 4.45 3.25 3.6 3.7 4.6 4.95 6.30op 6.30op home trust Company 2.5 3.95 2.89 2.89 3.09 3.39 3.29investors group trust n/a 4.2 3.14 3.14 3.9 4.64 5.24 6.50op 6.30op mtCC 2.6 4.55 3.75 2.79 3.99 4.39 3.49 6.45op 6.50op

Comtech Credit union 2.95 6.2 2.99 3.25 3.29 3.24 3.59 6.40op 6.30op first national fin. lp 3.95 2.99 2.69 2.99 3.39 3.39firstontario C.u. 2.7 3.09 3.14 3.29 3.34 3.49 6.34op 6.34op london life n/a 4.2 3.14 3.14 3.95 4.74 5.34 6.50op 6.30op mCap 2.6 3.6 3.95 4.35 4.89 5.14 7.00op meridian Credit union 2.6 4 3.09 3.14 3.65 4.39 2.99 6.30op parama Credit union 2.85 3.05 3.1 3.25 3.4 3.6steinbach Credit union 2.5 2.7 3 3.1 3.25 3.45



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

Search yourfavorite neighbourhood

Find out about nearbyservices and amenities

View new construction projectsand register to get the latest info

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

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Advertiser index

adi development group: LINK Condominiums 38

Bayview wellington: Victoria Village 4

Bayview wellington: Niagara-on-the-Green 5

Branthaven homes: Multi-site 12 & 13

Bucci homes: Bliss 43

claysam homes: Neighbourhoods of Devonshire 25

countrygreen homes: The Uptowns of Waterdown 7

eastforest homes: Corporate 20

emery homes: Appleby Club 51

empire communities: Multi-site 2 & 3

forest park homes: The Village Landing 30

great gulf: Rolling Meadows IBC

greater hamilton home show 46

homes By desantis: Fiera Collection 11

homes By desantis: Lyon’s Creek 48

homes By desantis: On the Ridge 31

kitchener-waterloo home & garden show 60

losani homes: Fairgrounds 77

mattamy homes: Wildflowers 6

mattamy homes: Hawthorne Village 17

menkes developments: Millstone on the Park 32

menkes developments: Enclaves of Upper Canada 33

monarch: Corporate 40 & 41

mountainview homes: Corporate 9

new horizon homes: Mint Condominiums 37

phelps homes: Multi-site 39

reid’s heritage: Westminster Highlands 64

reid’s heritage: Corporate BC

rosehaven homes: Corporate 47

rosehaven homes: Lyon’s Creek 48

rosehaven homes: On the Ridge 31

senator homes: Havelock Corners 21

sifton properties: Corporate 65

spallacci homes: Eden Park 52

tillsonBurg developments: Baldwin Place 24

toByn park: ParkCity 49

williamsBurg homes: Eby Estates 61


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Step beyond the quality mythand into the reality ofA GreAt Gulf home

A t Great Gulf Homes, perfection is much more than having the right number of bedrooms and bathrooms, a good-sized yard, great location… In reality, perfection begins at the foundation, extending

up through the framing with quality placed first and foremost. While quality is a word as overused as last year’s “tree canopy” and

references to “fresh” and “natural,” it is a concept that is easily quantified by Great Gulf Homes. “Quality isn’t a myth when you understand its true meaning,” explains Great Gulf ’s Karen Gold.

Great Gulf contracts Brockport, an indoor construction site where all framing is done mechanically and in controlled conditions to minimize moisture content in lumber.

Using the indoor facility, Great Gulf can assure homebuyers their homes will be built square from day one. It uses a robotic process that enables framing to take place in two days rather than two weeks; a process that greatly reduces the incidences of warping and mold in the wood. “In fact, other builders request our framing, which is a huge compliment,” says Gold.

Every Great Gulf home begins in this manner, whether it’s being built in the GTA or one of the company’s newest communities in Niagara.

With sound construction practices in place and world-class designers contributing their know-how, Great Gulf then focuses on extensive economic and geographical research to determine locations for its communities such as Edgewood in Niagara Falls and Rolling Meadows in Thorold. As Niagara embarks on an ambitious plan to cultivate business and manufacturing, Great

Gulf has communities in place to greet the influx of employees that greater economic growth will bring.

This type of commitment to quality at every level comes with a price, but a price the savvy consumer will accept, explains Gold. In fact, Rolling Meadows is attracting buyers from the GTA, including repeat and move-up buyers, who are saving as much as $300,000 on their homes and investing the savings in additional upgrades, creating a level of luxury partnered with a quality seldom seen in Niagara communities. “Not only are we defining quality, but we are driving up the value in these areas. We’re presenting a quality living experience and our buyers recognize that. They know they’re getting a Mercedes at a huge savings by buying here.”

Investing in quality of life, Great Gulf has built Active House in Thorold. These key components of a quality home promote well-being through cleaner air, more natural light and perfect climate control to improve the overall quality of life. “That’s the best definition of a quality home that I’ve ever seen,” says Gold.

Soon, these systems will be available to all new-home buyers through Great Gulf ’s new décor centre that opens in Toronto this summer.

Both Edgewood and Rolling Meadows are “10 minutes from everywhere.” It’s 10 minutes to Niagara Falls, St. Catharines, Niagara-on-the-Lake, the U.S. border, live theatre, the Wine Route, golf, shopping, recreation… and Hwy. 406 and the QEW offer quick access for commuters. And they do – commute from their stunning Great Gulf homes to Oakville, Mississauga and Toronto proving they can and do Live Greatly in Niagara.

For more information, visit greatgulf.com

//community focus GREAT GULF HOMES | Multi-site

078 CF Great Gulf_MT-WK.indd 78 2/26/14 3:56:20 PM












ever dreamed of.”











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

SALES OFFICE9118 Forestview Blvd. off Garner RoadNiagara Falls (905) 356-9408

• Just 90 minutes from Toronto

• More than 50 golf courses and 75 wineries

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With homes priced up to $300,000 less than the GTA, Southern Ontario’s best kept secret is waiting to be discovered. From world-class golf to lush natural wonders, Niagara’s outdoor lifestyle has

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40 and 50 Ft. Detached1,610 - 3,035 sq. ft. from$299990

ROLLING MEADOWS EDGEWOOD• Niagara’s landmark master planned community

with parks, schools, walking trails and more

• Two fabulous Cecconi Simone inspired designer-furnished model homes

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

• Second floor family rooms and computer lofts

• A fully established neighbourhood backing onto mature woodland

• Located directly across from Niagara Falls Golf Club

• Three award winning designer-furnished model homes

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$310990

NIAGARA

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

GREATGULF.COM

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20/

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Victory

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Falls

General BrockPkwy

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Kalar R

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Montrose R

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NiagaraSquare

NiagaraFalls

Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

NN

Clarence

Paris

QEW

Colborne

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20/

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southwestern ontario new home and condo guide - mar 1, 2014

Documents

best quality

best of life

best reputation

best team

great shopping

new great gulf home

buffalo airportwith

niagara escarpment minutes