southwestern ontario new home and condo guide - nov 22, 2014

UNBEATABLE VALUEALL BRICK, FREEHOLD HOMES WITH $30 MONTHLY ASSOCIATION FEE

FROM $232,000

BP2014 NH&C Cover_Layout 1 2014-11-12 8:58 PM

Nov 22 - Dec 6, 2014 Volume 17 Issue 21

INSIDE THIS ISSUE

ST. CATHARINES: AS VIBRANTAS ITS SURROUNDINGS

HOT MARKETS IN THE HAMILTON AREA

DEMOGRAPHICS DRIVINGDEMAND FOR MIXED-USE

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Prices, sizes and specifications are subject to change without notice. Discounted pricing applies to select homesites for a limited time. *Offer valid for homes purchased before December 30, 2014. Please see Sales for full details. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker protected. E. & O.E.

empirecommunities.com

Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

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NiagaraSquare

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Mississauga

Toronto

Lake Ontario

LakeOntario

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GR

EENBUILDER

OF T HE Y EAEAEROF EAEAE RARA

E

2013

Empire Communities is pleased to be recognized as

Green Builder of the Year

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

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

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

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

JOY Elv.C2Alt1A meDAlliOn Elv.C2 Apple BlOSSOm Elv.BAlt2B HuDSOn Elv.FAlt2A mcKenZie Elv. D mcKenZie Elv. D

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ThisChristmas,giveagiftthewholefamilycan enjoy.Starting this Saturday, november 22nd, EmpireCommunitiesisofferingunbeatablepriceson aselectionofspectacularTowns,30'and36' detached inventory homes.VisitourPresentation Centrestotakeadvantageoftheseamazingdeals!

EMPI 7469 NHSW Xmas Inventory Ad-F.indd 1 2014-11-19 1:54 PM

facebook.com/EmpireCommunities

@Empire_Living

Join the conversation

Prices, sizes and specifications are subject to change without notice. Discounted pricing applies to select homesites for a limited time. *Offer valid for homes purchased before December 30, 2014. Please see Sales for full details. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker protected. E. & O.E.

empirecommunities.com

Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

NN

Clarence

Paris

QEW

Colborne

Cent

enni

al PW

Y

Cent

enni

al PW

Y

Green Mtn. RdMud St

Rymal Rd

Red H

ill

Valley

PWY

SummerleaImagine

Blac

kbur

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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

Cent

enni

al PW

Y

Cent

enni

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Green Mtn. RdMud St

Rymal Rd

Red H

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SummerleaImagine

Blac

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Victory

Lundy’s Ln

McLeod Rd

Falls

General BrockPkwy

Brown Rd

Kalar R

d

Montrose R

d

Exit27

NiagaraSquare

NiagaraFalls

2013

Empire Communities is pleased to be recognized as

Green Builder of the Year

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

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

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

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

JOY Elv.C2Alt1A meDAlliOn Elv.C2 Apple BlOSSOm Elv.BAlt2B HuDSOn Elv.FAlt2A mcKenZie Elv. D mcKenZie Elv. D

$344990 $335990

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

BrANtfOrDBINBrOOKStONEY CrEEK

22 Green Mountain Rd. W., 905.930.7934

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

CHRiSTmAS COmeS eARlY!AN EMPIRE HOLIDAY EVENT.

ThisChristmas,giveagiftthewholefamilycan enjoy.Starting this Saturday, november 22nd, EmpireCommunitiesisofferingunbeatablepriceson aselectionofspectacularTowns,30'and36' detached inventory homes.VisitourPresentation Centrestotakeadvantageoftheseamazingdeals!

EMPI 7469 NHSW Xmas Inventory Ad-F.indd 1 2014-11-19 1:54 PM

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

Explore Our Model Homes In Wildflowers.New Village Homes, Rear Lane And 2-Storey Townhomes And A Full Variety Of Detached Homes.

• View all our floor plans online • Master planned Kitchener community • Great incentives on 30’ Detached Homes • 4 professionally designed detached model homes

SALES CENTRE: 179 Seabrook Drive

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

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

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

The Indigo Model Home In Wildflowers

2-Storey Town, The Fawn Lily Elev. ‘A’, 1,538 Sq.Ft., $282,990

36' Home, The Sandcherry, Elev. ‘D’, 2,283 Sq.Ft., $400,990

Elev. ‘A’

MATGTA_MH – Wildflowers – SW New Home & Condo – Magazine – 7_5" x 10_5" Due: 18/11/14

File Name: MATGTA-WF_SW-NH&C Publication: SW New Home & Condo

Trim: 7.5" x 10.5" Safety/V.O.: .25” DPI: 300

Bleed: .125” Colours: CMYK Built: 17/11/2014 – KG

MATGTA-WF_SW-NH&C.indd 1 2014-11-18 3:27 PM

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NOV 22 - DEC 6, 2014 | NEW HOME & CONDO GUIDE SWO 7

regular and special features

IN EVERY ISSUE

10 Editor’s Note83 Hot Dates84 Ad Index COLUMNISTS

16 Tarion Report Getting involved in your new home construction can affect your warranty by George Bogach

18 Mortgage Advice A good financial reason to not overpay for your new home by Alyssa Richard

38 Building Blocks Flooring – it’s not just about decor, it’s also about function by Jeff Paikin

68 Quick Tips Preparing for the busy season by Hellen Buttigieg

86 Fundamentally Speaking Looking to buy in Hamilton area? Here are some areas to consider by Wayne Karl

IN THE NEWS

62 HHHBA HHHBA presents membership awards at President’s Gala

HOMEBUYERS’ HELP

26 Top Homebuying Tips Younger homebuyers learning to not max out on their mortgages

63 City Focus St. Catharines: a city as vibrant as its flourishing surroundings

70 Top Homebuying Tips Home-hunting tips for couples

73 The Scoop Decor and reno news, inspiration, style and more by Sara Duck

77 Homebuyers’ Resources Mortgage Calculator & Rate Table

42 St. Catharines Bayview-Wellington Homes Never a dull moment at Victoria Village in St. Catharines

50 Multi-site Mountainview Homes Black Friday is coming! Huge savings on every home, in every community

54 Hamilton Spallacci Group & Valery Homes The Residences of Royal Connaught – new suites in a landmark building

58 Burlington Adi Development Group LINK2 Condos + Towns – successful launch approaches next phase

NOV 22 - DEC 6, 2014 || VOLUME 17 ISSUE 21

contentsON THE COVER

p. 14TILLSONBURG

DEVELOPMENTS Baldwin Place – where unbeatable

value awaits in your new home

19 Waterloo31 Hamilton66 London

New Home WATCH

community focus features

42

50

54

58

MOUNTAINVIEW HOMES’

www.mountainview.com

905.323.6232

Off er & Specifi cations subject to change without notice. E.&.O.E. Not valid with any other promotion. $12,000 off , plus in-fl oor heating applies to all deals written on November 28, 2014 only. $12,000 off applies to all deals written on November 29, 2014 only. In-fl oor heating will be installed in main bath for plans that do not include an ensuite.

Express Homes with tile installed will receive Design Dollars of the same value. Promotion not applicable to exclusions or substitutions.

FRIDAY, NOVEMBER 28th: 1 DAY ONLY!

$12,000 offPLUS FREE In-Floor Heating In Ensuite!

EVERY HOME!

SATURDAY, NOVEMBER 29th ONLY: BIG SAVINGS!

$12,000 off EVERY HOME!

MONDAY, DECEMBER 1st: THE SALE IS OVER!

PRICE INCREASE!


PRESIDENT, WALL2WALL MEDIA

Jacqueline HillDIRECTOR OF SALES, NATIONAL

Josh Heppner ASSOCIATE PUBLISHER

Susan Maxwell EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan LeggeART DIRECTOR

Daiana Garay

EDITOR

Wayne KarlCONTRIBUTING EDITORS

Sara DuckElisa KrovblitLydia McNutt

DISTRIBUTION & SALES CO-ORDINATOR

Jennifer BistronADMINISTRATIVE ASSISTANT

Antoinette Jackson

MANAGER OF PRODUCTION

Bala GnanapandithanCO-ORDINATOR

Hannah YarkonyGRAPHIC DESIGNER

Viosa Barileva

CONTRIBUTING WRITERS

Joanne KeenanJeffrey ReedMichele Sponagle

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

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

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

newhomeandcondoguide.com

Published By

WAYNE KARL EDITOR Wall2Wall [email protected]

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

//EDITOR’S NOTE

Whether you’re relocating from one coast to the other or moving to your � rst place, changing homes can be hectic, exciting and certainly

stressful. But, relax.You can eliminate the anxiety associated with moving

by taking control of the situation with con� dence. Understanding the market is just part of the story.

Knowing what you need and what you can a£ ord is the more important part of the equation. Making a prudent purchasing decision that doesn’t keep you up at night when interest rates rise or market news becomes the talk of the town is up to you.

Any expert will tell you that buying a home or condo is a long-term commitment. ¥ is issue is full of great tips from the experts as well as the latest news designed to help you make a wise purchasing decision.

Along with our Community Focus features, which outline the speci� cs on many � ne communities, there’s lots to take in. So kick back, relax and enjoy. You’re in the driver’s seat.

Long-term commitmentwill afford you peace of mind

When looking for a new home, a number of factors come into play: How far from work? How close to schools and shopping? What other

important amenities are nearby?¥ e answers to these and other questions are varied and

depend on your personal situation and preferences. What’s most important to you when searching for your perfect “location, location, location?”

It should come as no surprise that buyers increasingly say that being close to public transit and having a short commute are among the features that matter most. Maybe not the number one concern, but certainly right up there,

and increasingly so. As we approach the end of the year, you’ll hear more and more sources, from

Canada Mortgage and Housing Corp., to the major banks and other experts, o£ er their forecast for 2015. Interest rates, many economists suggest, aren’t likely rise signi� cantly.

A� ordability, which varies depending on your local market, is becoming increasingly tested on many fronts.

What’s left? Watch for issues such as land supply and acquisition costs to have a growing impact on pricing, home types and availability.

As you go through the new-homebuying process, these are the types of issues you’ll be learning more about, and that will a£ ect your decision.

We’re here to help. Pick up New Home & Condo Guide in the coming weeks for market news, analysis and other information to help you � nd your perfect location, location, location.

Location, location, locationWhat’s important to you when looking for a new home location?

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

10 NEW HOME & CONDO GUIDE SWO | NOV 22 - DEC 6, 2014

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

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

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

(From GTA Do Not Take Ontario St./Grimsby exit)

QEW From Niagara

N

SALESCENTRE & MODEL HOMES

BEAMSVILLE

LAKE ONTARIO

KING ST.

CEN

TENN

IAL PKW

Y.

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BARTON ST.

64EXIT

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ON

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ST.

From GTA

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SELECT FEW HOMES REMAIN

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Hours: Monday - Wednesday 2pm - 7pmSaturday & Sunday 12pm - 5pm Closed Fridays

289.296.3362SALES CENTRE

& MODEL HOME Mann St.

2 MODEL HOMES TO TOURBeautiful 45’ Park & Greenspace Lots

C H A R M I N G C H I P PAWA

30’ DETACHEDNOW OPEN $289,900From

high

BUNGALOWS &2 STOREY HOMES $304,900From

Illustration is artists concept. Prices and specifications are subject to change. E. & O. E.HomesByDeSantis.com

$200,000’sFrom Mid

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SINGLES, SEMI’S & TOWNSIN THE HEART OF BINBROOK

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Find more at BRANTHAVEN.COMPrices, sizes and specifications are subject to change without notice. Renderings are artist’s concept. E.&O.E.

SINGLES, SEMI’S & TOWNSIN THE HEART OF BINBROOK

FROM THE HIGH $200’S

TOWNS COMING SOONTO OAK VILLE

FROM THE MID $300’S

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13

//COVER STORY

BALDWIN PLACE in TILLSONBURGWhere unbeatable value awaits in your new home

B aldwin Place has become a very desirable place to live for retirees of all ages, according to Dominic Bradley, sales and marketing director.

“We are very excited to be welcoming so many new residents to the community… and now with our new models, customized floorplans and updated features, we expect to be busier than ever.”

It’s easy to see why people love Baldwin Place. The homes are great value: all-brick, freehold homes on large lots, starting at only $232,000, including HST. There are no condominium fees, no land lease fees and no maintenance fees. In fact, there is only one low monthly charge of $30 for the community centre. “That’s truly unbeatable value,” says Bradley.

LOCATION Tillsonburg

HOUSING TYPE All-brick, freehold homes on large lots

SALES CENTRE 3 Esseltine Dr., just off Quarter Townline Road, open Monday to Thursday 10 a.m. to 5 p.m., Saturday and Sunday 10 a.m. to 5 p.m., Fridays and holidays by appointment

CONTACT 1.800.265.5709 519.842.4251 [email protected] baldwinplace.ca


TILLSONBURG DEVELOPMENTS | Baldwin Place

Located in the town of Tillsonburg, Baldwin Place offers residents easy access to major shopping and superior medical facilities.

The recreation centre at Baldwin Place is the hub of the community and always busy. Residents enjoy the salt water pool, games room, outdoor patio, special events, group activities, gatherings and parties in the common areas. And there’s always an opportunity to start your own special interest group, which is what Carol, a resident for six years, did when she founded the Baldwin Place “On My Own” Club.

Baldwin Place is ideal for active adults who like living in a more temperate climate where residents can enjoy a leisurely stroll into the downtown area or walk the trails through the community.

Baldwin Place is considered by many to be a true neighbourhood of friends. “Everyone you meet here stops and says hello… something you rarely see in bigger cities,” says Bill, a long-time resident.

What can you expect when you visit Baldwin Place? A wide selection of new models, customized floorplans and an impressive list of updated features and specifications.

Visit he sales centre to see for yourself what makes Baldwin Place such a popular place to live. You won’t be disappointed.


» by HOWARD BOGACH

//TARION REPORT

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.

Custom homes come with a new home warranty, too GETTING INVOLVED IN THE CONSTRUCTION OF YOUR NEW HOME MAY AFFECT YOUR WARRANTY

For some people, building a custom home can be a dream come true – the opportunity to design the ideal place that exactly suits their taste and needs. A custom home, built by a builder, is usually considered a “contract home.” It’s a new house built on land already owned by the homeowner where a builder is hired to perform all the work and supply all the materials necessary to construct a completed home.

The builder must provide the mandatory one-year, two-year and seven-year warranties that the law requires for all new houses and condominiums in Ontario. The warranty also provides financial loss coverage of up to $40,000 if you and your builder have a falling out prior to substantial completion of the contract and the amount you paid your builder exceeds the value of the work and materials supplied by the builder.

However, there are always exceptions to the rule. Often with contract homes, homeowners get involved in some of the aspects of the construction, a move that may void part – or even all – of your new home warranty. This is where it is essential that homeowners make informed decisions. Many homeowners don’t realize that signing contracts with trades, and supplying or installing materials themselves may jeopardize their warranty rights.

A new home warranty is not an option. A contract home builder is required to provide the mandatory new home warranty if the builder performs all the work and supplies all the materials necessary to construct a completed home. If the homeowner takes responsibility or

any of the essential elements, the home may be considered “owner built,” and will not be covered by the Tarion warranties.

Essential elements include the footing/foundation, framing, exterior cladding, building envelope, and the electrical, plumbing and heating systems.

An owner-built home is one where the landowner owns the lot, and either exercises significant control over the construction of a new home, and/or is responsible for contributing one or more essential elements to it. This can even include entering into contracts directly with subtrades for those essential elements.

Owner-built homes are not covered under warranty because owners would be providing the warranty to themselves.

Before signing a contract with a builder, make sure he/she is a registered Tarion builder by checking the Ontario Builder Directory at tarion.com. It is a criminal offence in Ontario to build homes without being registered with Tarion. If a contract home builder gives you the option of signing essential element contracts yourself, don’t do it! Insist the builder signs these contracts so your warranty rights are protected.

Work supplied or installed by the homeowner can compromise your warranty. Design and work supplied or installed by the homeowner, as well as alterations, deletions or additions made by the homeowner, are not covered under warranty.

Although supplying some non-essential elements such as finishings will generally keep your warranty intact, it can have an impact on certain aspects of your warranty. For example, supplying and installing a kitchen sink will void your warranty on that sink since it was not supplied or installed by your builder. You can also experience a domino effect if anything you’ve supplied or installed damages something the builder has supplied. For example, a leak from an owner-supplied kitchen sink that damages the builder- supplied floor could void the warranty on the damaged flooring.

When purchasing a contract home, make sure you understand the warranty implications of becoming involved in your home’s construction. If the home is built from the foundation to the finished stage by a builder, it is likely eligible for statutory warranty coverage. However, there are a variety of reasons why a custom or contract home may not be covered under the statutory warranty. Visit tarion.com to find out what types of homes are and are not covered. If you have any questions about your new home’s warranty, call us at 1.877.9TARION or send an email to [email protected]


For Gracious Oakville Living, Visit The Preserve.Full Townhome And Detached Home Variety Now Available.

• Exclusive address in prestigious Oakville • A neighbourhood built around attractive Village Squares• 4 Upscale Model Homes well worth touring • New home elegance in one of Oakville’s finest settings

SALES CENTRE: 1388 Dundas Street West

Detached Homes From The Low $700’s

OAKVILLEFreehold Townhomes From The Low $400’s

38’ Home, The Alder, Elev. ‘E’, 2,459 Sq.Ft., $828,990Rear Lane Townhome, The Beech, Elev. ‘E’, 1,766 Sq.Ft., $506,990

Elev. ‘E’

SALES CENTREDESIGN/MODEL HOMES

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FOR MORE INFORMATION ON OUR COMMUNITIES REGISTER AT MATTAMYHOMES.COM

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

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

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

The Oriole Corner Model Home In The Preserve, Oakville

MATHAMILTONHAL_MH – Preserve – SW New Home & Condo – Magazine – 7_5" x 10_5" Due: 18/11/14

File Name: MATHAMILTONHAL-PRESERVE_SW-NH&C Publication: SW New Home & Condo

Trim: 7.5" x 10.5" Safety/V.O.: .25” DPI: 300

Bleed: .125” Colours: CMYK Built: 17/11/2014 – KG

MATHAMILTONHAL-PRESERVE_SW-NH&C.indd 1 2014-11-19 4:24 PM

//MORTGAGE ADVICE

» by ALYSSA RICHARD

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.

Bidding wars are sometimes a hot topic, with homes being priced extremely low so potential buyers will come in with high offers.

A fi nancial reason to not overpay for your home

Bidding wars are sometimes a hot topic, with resale homes being priced low so potential buyers will come in with high o� ers. Some markets, such as Toronto, get a bad rap for bidding wars, but we know it’s not the only city in the country that experiences them. After conducting dozens of interviews with real estate agents across the country last year, we found out one Canada-wide truth: if supply is low, demand is high – and many buyers are willing to make o� ers above and beyond what sellers are asking.

Before you make an o� er on any home, even a new home, arm yourself with a mortgage pre-approval; this is the maximum amount of money a lender is willing to give you towards the purchase of a home. When we say maximum, we mean it. � e � rst reason not to overbid on a home is because you don’t want to go over your budget, or stretch yourself so thin that you’re house-poor. But the other reason not to overbid is because your lender’s home appraiser may deter-mine the property isn’t worth what you’ve o� ered; this leaves you in a tricky � nancial position.

“Let’s say you o� ered $400,000 for a home, your o� er was accepted and you have $40,000 to put down. If the bank’s appraiser believes it’s worth only $375,000, the bank will only give you a mortgage equal to their appraised value minus your down payment. In this case, that’s $335,000 ($375,000 - $40,000),” explains James Laird of CanWise Financial. “If you still wanted to purchase the home, you would need to come up with the extra cash to make up the shortfall. � e shortfall is your purchase price minus the mortgage amount your lender will give you. So, in this example, that’s $65,00 ($400,000 - $335,000).”

If you can’t borrow money from family or another outside party, you may be forced to walk away from the deal (and risk losing your deposit, in the process). Not having the resources in this situation is what is often referred to as “appraisal risk,” and it’s obviously something you want to avoid. How is that possible? First, don’t overpay, which is something an experienced real estate agent who knows your market should be able to stop you from doing. Second, saving a larger down payment can help reduce your risk, because it allows you to put less money down and use the extra to make up your shortfall.


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

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

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

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

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

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

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

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

HALTON HILLS WELLINGTON WATERLOO

ALMAAAYRCAMBRIDGEELORAFERGUSGEORGETOWNGUELPHKITCHENERROCKWOODWATERLOO

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

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

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

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

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

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

New Home WATCH


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LOCATION BUILDERS SITES PRICES PAGESemi

CondoTo

wnhome

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style

Elmira CLAYSAM HOMES Elmira Country Club Estates • • • from $259,900 22

Georgetown MENKES The Enclaves of Upper Canada • • from mid $700's 37

Kitchener COOK HOMES Explorer's Walk • • from low $200's 29

Kitchener FUSION HOMES Explorer's Walk • • from low $200's 29

Kitchener NEW LIFESTYLE HOMES Explorer's Walk • • from low $200's 29

Guelph TRICAR GROUP River Mill Condominiums • from mid $200's 24

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

Kitchener EASTFOREST HOMES Woodhaven South • 23

Kitchener MATTAMY HOMES Wildflowers • • from $259,990 6

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

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

Kitchener WILLIAMSBURG HOMES Eby Estates • from $352,900 27

Plattsville CLAYSAM HOMES Plattsville Estates • from $309,900 22

Waterloo COOK HOMES The Village in Beechwood West • • from low $500's 25

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are madeMemoriesMMMMWhere

Elmira

Towns, Semis and Singles

Now Open!

Priced From

$259,900

Plattsville

50-60’ Lots Single Family

HomesPriced From

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Woodstock

30-42’ Lots Single Family

HomesPriced From

$224,900

Woodstock

Adult Lifestyle

CommunityPriced From the Mid

$200,000’s

Claysam offers a GREAT selection of family focussed communitieswhere you can build your NEW HOME and years of fond MEMORIES in.

claysamhomes.comVisit our website for MODEL HOME hours.

Prices and specifications are subject to change without notice. E. & O. E.

**Applies to standard counter top surface area only. Optional islands will be extra. Offer valid till Nov. 30, 2014. This promotion is in conjunction with our value package promotion as well as our telecommunications program. Offer must be firm. E. & O. E.

FREE Kitchen GraniteCountertops!

Limited Time Offer

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Escape to ParadiseEscape to Paradise Move-in-ready HoMeS!

• $1,000 depoSit MoveS you in

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Receive a free all inclusive tRip foR two to a Hot secRet destination!

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This promotion applies to any Eastforest Homes Ltd. home purchased between November 1st, 2014 and closing by December 31, 2014. This bonus offering must be used within the specified time period and at a location as set out by Eastforest Homes Ltd. is not redeemable for cash and is subject to HST. This promotion is subject to change and may be cancelled at any time without notice

or obligation. Valid from November 1, 2014 to December 31, 2014 while quantities last. E. &.O.E. Broker Protected.

23

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

Learn more at tricar.com

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

PRESENTATION CENTRE NOW OPEN

AT SUNNINGDALE AND RICHMOND FROM THE MID $200’S

TRICAR

Village North PANTONE

CMYKBLACK AND WHITE

COLOUR BACKGROUND

INVERTED

OTHER OPTIONS

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LOGO VARIATIONSN/AJUNE 2013

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CMYK

REVERSE

BLACK AND WHITE

Bembo Semibold

PRESENTATION CENTRE NOW OPEN

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

60% SOLD

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

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

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

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

Call our Sales Representative today:

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Only a limited number of 2-storey town villas remain!

Priced from the Low $500,000’s

Winner of the 2014 WRHBA Multi-Unit

25

Younger homebuyers DON’T WANT TO MAX OUT ON THEIR MORTGAGE

//TOP HOMEBUYING TIPS

continued on pg.28

Today’s Gen X Canadians overwhelmingly consider themselves “House-Plus” buyers who want enough fl exibility in the budget to aff ord things like travel after paying their monthly mortgage. Only one in seven (14 per cent) Gen X Canadians consider themselves “House-All” buyers who go to the higher end of what they can comfortably aff ord when it comes to their mortgage, leaving less room for discretionary spending. But, according to a recent TD survey, Gen Xers are fairly evenly split between those who see themselves living in their current home forever (42 per cent) and those who see it as a stepping stone to a diff erent property (45 per cent).

“More than two thirds of Gen X Canadians have told us they don’t want their entire budget allocated to mortgage payments,” says Nupi Zubair, associate vice-president, retail products at TD. “It’s possible to own a home and not feel handcuff ed to the mortgage, but it does require careful saving and planning before signing on the dotted line. Buyers need to purchase a home at a price they can aff ord, while still budgeting for the other things on their list of priorities.”

It’s possible to own a home and not feel handcuffed to the mortgage, but it does require careful saving and planning before signing on the dotted line. Buyers need to purchase a home at a price they can afford, while still budgeting for the other things on their list of priorities.


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Zubair says that, in addition to the sale price of the home, Gen X Canadians need to factor in other costs of homeownership – such as taxes, maintenance, closing costs and insurance – and set a budget for all of the discretionary things they want to do.

“One way to have more disposable income every month is to make a larger down payment up front, which ultimately reduces the size of the mortgage and monthly payments,” Zubair says. “Keep in mind though, a shorter amortization period and making payments weekly, rather than monthly, can increase overall monthly payments but lower the overall costs of the mortgage. It really comes down to the buyer’s priorities.”

The TD survey found sale price is the most important factor for Gen X Canadians buying a home, followed closely by location and the future appreciation of the home. This was particularly true for those who consider themselves “House-Plus” homebuyers, but even “House-All” buyers put sale price at the top of their list, too. Access to public transit and proximity to schools were much lower on the priority list for all categories of Gen X Canadians, including those who planned to stay in their home forever.

ZUBAIR OFFERS THE FOLLOWING TIPS TO HELP YOUNGER HOMEBU YERS:1. Save for a down payment. The easiest way for buyers

to do this is to set up a regular automatic savings plan and add to it any special monetary gifts or bonuses received. First-time buyers can also take advantage of the RSP Home Buyers’ Plan to build a bigger down payment.

2. Set a budget. Start by listing all sources of income, including any potential help from family. Then list all non-discretionary expenses, such as food, utilities, insurance and car or student loan. What’s left will be the amount available for mortgage payments (replacing current living expenses), savings and any discretionary spending buyers may want to account for.

3. Buy the house that fits the budget. The mortgage should be realistic based on the available budget. If it’s not enough for the desired home, consider holding off and save for a larger down payment, or look for a less expensive property. The alternative to waiting is finding ways to cut back on allocated discretionary spending money each month.

4. Ask for advice. Buying a home is one of the most important investment decisions Canadians will make, so take the time to talk to an experienced professional. Work with a mortgage specialist and financial advisor in tandem to help develop a strategy to save for a down payment and, after closing, help maximize available funds for discretionary spending and future financial goals, such as retirement or a renovation down the road.

Keep in mind though, a shorter amortization period and making

payments weekly, rather than monthly, can increase overall

monthly payments but lower the overall costs of the mortgage.

It really comes down to the buyer’s priorities.

//TOP HOMEBUYING TIPS continued


Pricing does not include condo fees (where applicable), please see a Sales Associate for details. Some lots may carry premiums. All prices include H.S.T. Prices and features subject to change without notice E. & O. E.

TOWNHOMES FROM THE LOW $200s& SINGLES FROM THE MID $300s

Move to a new home & get out. Join a new community on the Grand River in Kitchener. The perfect place to live and get out canoeing, kayaking, fishing and much more. Come discover homes conveniently located close to a 68-acre conservation area and major highways.

REGISTER EXPLORERSWALK.COM

Moving requiresa paddle.

VIEW OUR MAGAZINES ON ANY

DIGITAL DEVICEanytime, anywhere!

Now you can view all New Home & Condo Guide magazines online using any smartphone, tablet or desktop device.

NEWHOMEANDCONDOGUIDE.COMPublished by

ANCASTERBEAMSVILLEBINBROOKBRANTBRANTFORDBURLINGTONCATHARINES GRIMSBY HAMILTON

MILTONNIAGARAOAKVILLEPARISPORT DOVERST. CATHARINESSTONEY CREEKVINELAND

HAMILTON HALTON NIAGARA

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

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

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

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

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

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

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

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

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

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

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

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

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

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

HALTON HILLS WELLINGTON WATERLOO

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

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

New Home WATCH

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

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

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

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

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

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

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

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


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Aldershot BRANTHAVEN HOMES Jazz • from the $200's 12Ancaster DAWN VICTORIA Evergreens • from mid $400's 34Ancaster LOSANI HOMES Ancaster Glen II • from high $300's 85Ancaster LOSANI HOMES The Woodlands • • 85Brantford EASTFOREST HOMES D'Aubigny Forest Estates • 23Beamsville HOMES BY DESANTIS Fiera Collection • • from mid $200's 11Beamsville MOUNTAINVIEW HOMES Hillside Estates • 9 Binbrook BRANTHAVEN HOMES The Fairgrounds Finale • from high $200's 13Binbrook EMPIRE COMMUNITIES Summerlea • • from $332,990 2&3Brantford EMPIRE COMMUNITIES Wyndfield • • from $306,990 2&3Burlington BUCCI HOMES The Villages of Brantwell • • • from low $500's 40Chippawa/Niagara ROSEHAVEN Lyon's Creek • • • from $314,990 41Chippawa/Niagara HOMES BY DESANTIS Lyon's Creek • • from $289,900 11Fonthill MOUNTAINVIEW HOMES The Residences at Lookout • • 9Fonthill SILVERGATE HOMES The Residences at Lookout • • 48 Fort Erie MOUNTAINVIEW HOMES Beaver Creek Estates • 9Hamilton LOSANI Green Hill Glen • • from high $300's 85Hamilton LOSANI Paramount at Valley Park • • from low $300's 85Hamilton SPALLACCI HOMES Royal Connaught • from $242,990 56Hamilton SONOMA HOMES Style Town Collection • from mid $300's 61 Hamilton STARWARD HOMES Country Ridge Estates • • from the $440's 36 Hamilton VRANCOR GROUP 150 Main • from low $200's 47 Niagara EMPIRE COMMUNITIES Imagine • from $216,990 2&3Niagara GREAT GULF Rolling Meadows • • from $344,990 87Niagara MOUNTAINVIEW HOMES Fernwood • • 9Niagara MOUNTAINVIEW HOMES Thundering Waters • • from $305,900 9 Niagara PHELPS HOMES Streamside on the Twenty • • from low $400's 35Niagara SILVERGATE HOMES Village on the Twelve • • from the $380's 48Niagara Falls SILVERGATE HOMES German Village 48Niagara Falls PINEWOOD HOMES The Wow Euro Towns • from $229,990 57Niagara on the Lake BW HOMES Niagara on the Green • • • from mid $200's 5Oakville BRANTHAVEN HOMES Oakvillage • from mid $300's 13Oakville MATTAMY HOMES The Preserve • from low $400's 17Paris EASTFOREST HOMES Grandville • 23Simcoe EASTFOREST HOMES Woodway Trails • • from $199,990 23Smithville PHELPS HOMES Brookside on the Twenty • • from the $350's 35Smithville PHELPS HOMES Auburntrail • • from mid $300's 35Smithville PHELPS HOMES The Atwater Collection • • from high $200's 35St. Catharines BW HOMES Victoria Village • from low $300's 4St. Catharines JACOB'S LANDING Jacob's Landing • • from low $500's 49 St. Catharines MOUNTAINVIEW HOMES Generations • 9St. Catharines SILVERGATE HOMES Jacob's Landing • • 48St. Catharines STARWARD HOMES Heritage Point • from the $220's 36Stoney Creek EMPIRE COMMUNITIES Lush at Victory • • from $331,990 2&3Stoney Creek NEW HORIZON Waterfront Trails • • 39Stoney Creek ROSEHAVEN HOMES On the Ridge • 41&53Stoney Creek HOMES BY DESANTIS On the Ridge • 11&53 Thorold MOUNTAINVIEW HOMES West Community • • • 9Thorold ROSEHAVEN HOMES Gibson Heights • • from $291,990 41Thorold SILVERGATE HOMES Beamer Landing 48Waterdown COUNTRY GREEN HOMES The Uptowns of Waterdown • from mid $200's 7Waterdown ROSEHAVEN HOMES Waterdown Meadows • from $474,990 41Welland MOUNTAINVIEW HOMES Harvest Estates • • 9

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Ancaster | 905-304-6099Sales Office Hours

Mon to Thurs 1pm–6pm | Friday by appointment Saturday & Sunday 12pm–5pm

Single Detached Homes from the mid $400sGracious design, Grand location. Evergreens on Southcote. Only minutes from olde Ancaster and its shops and boutiques, Designed for you, your family, your life – everything you’ll ever need.

It’s your last chance, only a few lots remain!

DawnVictoriaHomes.com

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Life. Imagined.

Whoever said you can’t have it all, doesn’t live here.

There’s nothing like a little extra space to spread your wings. With larger lots, double

car garages, and great rooms for family gatherings you simply get more than you

bargained for with a Phelps home. Not only do you get more space to live, but the

craftsmanship and modern designs have been specially chosen and carefully built.

And what really makes a Phelps home special is where we put it. In Smithville. Away

from the hustle and bustle of a big city, surrounded by nature’s best - but close

enough to the things that matter; schools, farmers’ markets, and local wineries.

Visit our model home and start living the life you imagined.

PhelpsHomes.comEXECUTIVE FAMILY HOMES ON 50’ LOTS NIAGARA’S PREMIER ADULT LIFESTYLE COMMUNITIES

Prices, features and specifications are subject to change without notice and are accurate at time of publication. Subject to availability. Please see sales representative for details. E. & O.E.

Bungalows + 2 storeys from the low 400s

905-945-6978

Bungalows + 2 storeys

from the mid 300s 905-945-6970

OPENING SOON

Detached Bungalows

from the 350s 905-957-1777

Attached Bungalows

from the 280s 905-957-1777NOW OPEN

Welcome Home to Country ridge

ph 855 - 454 - 4115 em [email protected]

Love Where You Live

Our newest community is now open offering Estate inspired country living close to the city. With a great view of green space and loads of amenities close by, Country Ridge strives to give you the peace and quiet of the country with perks of city living.

Sales Office Hours: M – Th: 12 noon – 7 pm | F – Su: 11am – 6 pm (including holidays)

Introducing NEW Single Family Homes

Sales Office Hours: Sat – Wed — 11 a.m. to 6 p.m.

Close to amenities, customizable to your personal taste and golf course lots available. Come live the dream within your new single family home.

Discover the BEST DEAL IN TOWN!

toll free

1-888 -770 - 6524

Singles and

Towns from

$220sSingles from the$440s

Country Ridge strives to give

[email protected]

SITE

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Visit our model home 8117 Twenty Road East Hamilton

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36

» 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]

Flooring – it’s not just about decor, it’s also about function

Flooring often sets the tone and feel in a room, which is why choosing the right options for your new home or condo may seem like a daunting decision. The process combines your personal taste with careful thinking about practicality. After all, it is a surface you and your family will walk, stand and sit on.

Since each room in your home serves a different function, your floor covering should complement each room’s function and style. What’s the size of the family that will regularly use the room, and how much traffic will the floor receive? Children definitely make a difference, as do pets. Will the floor be regularly exposed to moisture? How often is it likely to need cleaning? How long do you hope and expect your new floor to last? COMMON LIVING AREASFlooring really comes down to a matter of personal choice. Some people like wood in their living areas, some tile, others carpet, perhaps all three.

Wood flooring has a natural beauty and elegance, looks warm but is a rigid surface, so is less easy on your feet and back. However, it’s stain-resistant, easy-to-clean and offers long-term versatility. Your options range from boards with “character marks” to boards that are almost completely uniform. Oak is the most popular, while maple, birch and pine are also widely used.

Tile offers a nearly unlimited variety of patterns and styles, from the simple to the exotic. Because of its dense composition of clay, minerals and water – and a coating of liquid glass for colour and texture – most tiles are resistant to moisture, odour, fire, stains, scratches, allergens and bacteria, which makes this material ideal for kitchens, bathrooms and transition flooring from

outdoor space to indoor space, such as lobbies or inside patio doors. On the other hand, tiles can feel cold and hard underfoot, so they may not be the best choice if you’re looking for something cosier.

For warmth and intimacy, carpet is probably your best choice. It’s especially appropriate for bedrooms and anywhere you spend a lot of time barefoot. It also provides a certain amount of sound-proofing, as well as warmth and insulation. It is a child-safe surface compared to others, and causes much less damage when kids trip and fall or play at length on the floor itself. It’s inexpensive to install and comes in a variety of colours and textures. The quality and thickness of the underpad is just as important as the carpet itself. KITCHENSWhen selecting kitchen flooring, durability and ease of cleaning should be your top criteria. Good choices are ceramic tile and linoleum. Linoleum is inexpensive and provides an easy-to-clean surface and comes in countless designs. Ceramic tiles offer superior durability, resisting most dents, dings and scratches. Caution, especially if your family includes children: smooth tiles can be slippery when wet, so you may want to consider ones with a textured surface.

Then there is wood. Some feel it’s an unusual choice given that there are so many other flooring options, but hardwood is an excellent choice for the kitchen. Everyone ends up spending a lot of time there, and wood floors are durable, add a “homey” feel and offer great decorating options when contrasted with wood or other cabinet door surfaces. Make sure you apply a good protective finish, such as polyurethane, or use prefinished wood to guard against moisture. BATHROOMSWhile bathrooms tend to be among the smaller rooms in your house, with the proper flooring they can have a large visual impact. Linoleum, ceramic tile, limestone, marble and granite are all popular and functional choices. Ceramic tiles look great and provide superb durability. Should you elect to go with an even more striking and higher-end material such as marble, you’ll need to employ a team of skilled craftspeople. And like kitchens, bathrooms see a lot of moisture.

Choosing your flooring is certainly a big decision, but it doesn’t have to be overly stressful. Plan ahead, asking yourself all the important questions beforehand, including who will use the room, what atmosphere you hope to create, how much effort you yourself want to expend maintaining it, and of course, what you’re willing to spend. Having done that, you’ll be well on your way to picking your perfect floor.


2 MODELS TO VIEW

Kathie Pillar, Sales Representative

Offi ce: [email protected]

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

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

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

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

Townhome Model Open Daily

XSITE

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FINAL RELEASE

ONLYONLY18 UNITS TO CHOOSE FROM!

Receive $10,000 in Decor Upgrades!

CARE-FREE ADULT LIFESTYLE

COMMUNITY


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

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

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

WATERDOWNWATERDOWN MEADOWS35’ Singles from $474,990

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

HA•VEN: A PLACE OF SAFETY OR REFUGE

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

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

The Welland - Lyon’s Creek, Chippawa

Visit RosehavenHomes.com

HA•VEN: A PLACE OF SAFETY OR REFUGE

Seek haven from the ordinary

41

//COMMUNITY FOCUS

LOCATION: Welland Canals Parkway and Rockwood Ave., St. Catharines

HOUSING TYPE: Two-storey and bungalow/loft detached homes

SALES CENTRE: Open noon to 6 p.m. daily, closed Fridays and holidays

CONTACT: 905.688.7800 1.888.996.9949 [email protected] bwhomes.ca

Never a dull moment AT VICTORIA VILLAGE

W hat can you do when you live at Victoria Village in St. Catharines? Everything!

Victoria Village is the city’s “other” waterfront; an active person’s paradise for blading, running or hiking and, of course, biking – nearby trails are part of the Greater Niagara Cycle Route. Walk the dog, walk the stroller or walk hand in hand with your sweetheart.

Victoria Village enjoys its St. Catharines location, which presents a number of new, state-of-the-art destinations. Downtown is the new Meridian Centre where residents can watch


BAYVIEW-WELLINGTON HOMES | Victoria Village

the Niagara IceDogs of the Ontario Hockey League. There’s also the new Kiwanis Aquatic Centre on Carlton Street and other rec centres and parks offering organized recreational and programs for kids and adults alike. The city’s new performing arts centre is scheduled to open in 2015. Entertainment of all flavours can be found at Casino Niagara, Shaw Festival and Brock University’s Centre for the Arts. Enjoy Niagara wines, wineries and festivals all year long, and prepare to celebrate the region’s unique ice wines in the coming winter.CHOICES, CHOICES, CHOICES.This is a waterfront community like no other, located steps from the Welland Canal Pathway. That’s right, not minutes, moments, or a short drive but steps – right across the street from this world famous waterway. Watch a spectacular parade of ships from international waters as they climb the staircase of locks from Lock 1 to 7. Residents will recognize Canadian ships from afar – they’re the only ones able to sound their horns.

There are two golf courses and White Oaks Fitness & Squash Club within five minutes. It’s just a two-minute drive from the QEW so residents can reach Buffalo in a heartbeat and Niagara Falls and Niagara-on-the-Lake even faster. With winter coming, kids will enjoy tobogganing on their own hill in the community or the larger Seaway hill around the corner. Holiday festivities are beginning with craft bazaars taking place and lots of shopping to do at the newly opened Niagara Outlet 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.

Presented by Bayview-Wellington Homes, Victoria Village presents fine living within luxury homes in this Maritime-influenced community. 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 several offering immediate closing dates. 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 things to see and do make Victoria Village a wonderful location with great prices. Everything is right here at Victoria Village.


New Dundee Rd.

N

SALESCENTRE

Hwy.

401

Wetland Way

Thomas Slee Dr.Robert Ferrie Dr.

Everyone’s Coming to Topper WoodsDon’t miss out on this one! A brand new phase at sought-after Topper Woods has just launched. Move up to an enclave of all-detached homes on 43’ and 50’ traditional lots. Live where everything is right around the corner, in Kitchener’s historic Doon Village with schools, local parkland and easy access to Hwy 401.

Elegant 43’ and 50’ Singles from $447,990

Brand new bungalow design is now available

Choice of three new incentive packages

Prices, specifi cations, and promotions subject to change without notice. Other promotional offers do not apply. Some items in this model home are upgraded features. Please consult a Sales Representative for details. E.&O.E November 2014. 14045.

SALES CENTRE & MODEL HOMES

7 Wetland Way,Kitchener ON N2P 2Y7519.894.8222HOURS:

Monday – Thursday: 1 pm – 8 pmFriday: 12 pm – 5 pmWeekends & Hol.: 11 am – 6 pm

PEARLS OF WISDOMExpert advice on buying

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2014The Only Complete Resource Directory of Southwestern Ontario Home Builders

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PEARLS OF WISDOM PEARLS OF WISDOMExpert homebuying

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Research and compare! Make an informati ve choice using Southwestern Ontario’s only comprehensive guide to Southwestern Ontario Home Builders. Expert advice, builder profi les, and the Southwestern Ontario Home Builders’ roster all in one great Annual.

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LIVING THEDREAMat the corner of MAIN and Everything

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

Standard Features & Finishes:

Building Features:• Concierge service• Contemporary fi nished corridors and suite entry areas• Party room with catering kitchen, library and fi replace• Fully equipped fi tness centre with aerobics/yoga/stretching area• Year round swimming pool with outdoor sundeck• Courtyard with multiple barbecue stations and various seating arrangements

6 Piece Appliance Package IncludedGE* Stainless Steel Kitchen Appliances

• Laminate fl ooring• Porcelain tiles (12”x 24”) • Quartz counter top• Glass tile backsplash in kitchen• Contemporary design cabinetry by

Frendel

• Stylish bathrooms and ensuites* • 9 and 10 foot ceilings* with

decorative bulkheads• 8 foot doors*• In-suite laundry• Smooth fi nish ceilings

$200’s STARTING IN LOW

Occupancy Early SPRING 2015 !

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www.150mainwest.com | [email protected]

(*as per fl oor plan design of unit type/sizes and specifi cations are subject to change without notice E.& O,E.). (*BONUS Cable, Phone & Internet Package FREE for 6 Months from Cogeco) (*trademark)

Sales offi ce hours are:Mon-Thurs 12-6pmSat & Sun 12-5pm

Friday (closed-by appointment)

Please call us at 905.667.1900.

Hamilton


$$$$$$500,000500,000500,000500,000500,000500,000500,000500,000500,000$500,000$$$500,000$500,000$500,000$$$500,000$ ssssss

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Discover Jacob’s LandingDiscover Jacob’s LandingDiscover Jacob’s LandingDiscover Jacob’s LandingDiscover Jacob’s LandingDiscover Jacob’s LandingDiscover Jacob’s LandingDiscover Jacob’s LandingDiscover Jacob’s Landing

REGISTER NOW ATREGISTER NOW ATREGISTER NOW AT

www.jacobslanding.cawww.jacobslanding.cawww.jacobslanding.ca

Visit our Sales Centre Visit our Sales Centre Visit our Sales Centre

58 SIMPSON RD. 58 SIMPSON RD. 58 SIMPSON RD. ST. CATHARINESST. CATHARINESST. CATHARINES

Sat, Sun, 1-4pmSat, Sun, 1-4pmSat, Sun, 1-4pm

Built by:Built by:Built by:

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Visit the Sales Centre to view the fully finished Visit the Sales Centre to view the fully finished Visit the Sales Centre to view the fully finished

LOCKWOOD MODEL HOME!LOCKWOOD MODEL HOME!LOCKWOOD MODEL HOME!


//COMMUNITY FOCUS

MOUNTAINVIEW HOMES’ BLACK FRIDAY SALE IS COMING! Don’t miss out on huge savings on every home, in every community

W hy should our American neighbours get to have all the fun? Mountainview Homes is

excited to announce its Black Friday Sale, coming Friday, Nov. 28 and Saturday, Nov. 29 to all of Mountainview’s current communities.

The Black Friday Sale begins on Friday, Nov. 28 with an incredible, one-day offer. If you’re going to buy a home in the near future, this is the day to do it!

With the purchase of any style of home at any one of Mountainview’s master-planned communities, purchasers will receive $12,000 off the purchase price, plus free in-floor

heating in the master ensuite! And after the snow we’ve had recently across southern Ontario, we can all appreciate the thought of rolling out of our cosy beds or stepping out of a nice, hot shower to a toasty warm, heated floor – your feet will thank you all winter long!

If you can’t make it to one of Mountainview Homes’ communities on Friday, you’re still in luck. The Black Friday Sale continues on Saturday, Nov. 29, with $12,000 off every home purchase. (Saturday purchasers will not receive the free in-floor heating in the master ensuite).

There is one more reason to purchase a Mountainview home during the Black Friday Sale. On Monday, Dec. 1, the builder will implement its annual price increase throughout all communities. So if you wait, you will not only miss out on the amazing $12,000 off and free in-floor heating, but you missed out on the lowest prices of the year! This is a once-in-a-lifetime sale you don’t want to miss!


MOUNTAINVIEW HOMES | Corporate

With more communities in Niagara Falls, Thorold, Fort Erie and Ridgeway the only question is, which Mountainview community will you choose?

As an added bonus, a home purchased on Black Friday will not only guarantee huge savings, but also ensure that you are buying a home built with unparalleled quality. As Niagara Region’s largest new home builder, Mountainview Homes offers buyers more than 35 years of experience developing distinctive communities and exceptionally built homes.

Mountainview Homes’ Harvest Estates in Welland offers luxurious townhomes starting from $199,900 with Black Friday pricing and single-family homes in an established neighbourhood close to golf courses, parks, shopping and more.

In Fonthill, perched high above the Niagara Escarpment, set amidst rolling green hills dotted with vineyards and fruit orchards, The Residences at Lookout features a stunning collection of family-sized homes on 50-ft. lots and a limited selection of executive freehold towns remain.

One of Mountainview’s most recent communities is River Ridge in Kitchener. Offering a variety of single-family homes on 36-, 40-, 45- and 50-ft. lots, the community is nestled along the Grand River just minutes from shopping, parks, restaurants and more.

With more communities in Niagara Falls, Thorold, Fort Erie and Ridgeway the only question is, which Mountainview community will you choose?

Don’t miss this limited time offer! For directions or details about all of Mountainview’s communities, visit mountainview.com or call 905.323.6233.

CHINESE HOME & CONDO GUIDE

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

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

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

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

各式電子工具都可瀏覧網上參閱 ChineseHomeGuide.com

狹小家居的品味設計 • 置業貼士: 快人一步,勝人一籌 • 投資地產需知

GTA Chinse Front Cover 11-22-14.indd 1

2014-11-03 9:57 AM

STONEY CREEK

//COMMUNITY FOCUS

THE RESIDENCES OF ROYAL CONNAUGHTNew condo suites in a landmark building

W ith sales continuing to outpace expectations, phase one construction is set to start at The

Residences of Royal Connaught. The transformation of this iconic landmark in the heart of Hamilton’s downtown core has drawn significant interest, with buyers eager to get in early on this one of a kind project.

After reaching 70 per cent sold months ahead of schedule, developers Spallacci Group and Valery Homes are set to make an announcement about phase two before the year’s end.

“We’ve definitely noticed a sense of urgency from buyers coming into the sales centre. I think people are really watching this project and are excited to see how quickly everything is moving,” says Rudi Spallacci, president of the Spallacci Group.

The century hotel’s opulent art-deco lobby has been restored with oversized hand-strung crystal chandeliers, a matrix of polished limestone and granite floors, and original columns reaching up to the grand mezzanine. Now housing the presentation centre, the lobby will serve as a reception and amenity for residents.

“Sales have well exceeded our expectations and we are extremely happy with what we’ve been seeing. The response has been phenomenal,” says Ted Valeri, president of Valery Homes.

Exquisite suites blend classic and contemporary appeal with the utmost attention to quality and details. Expansive windows in kitchens and bedrooms flood units with natural light and provide a look out to the lush escarpment. Rich textures outfit gourmet


SPALLACCI GROUP & VALERY HOMES | The Residences of Royal Connaught

LOCATION: Hamilton

HOUSING TYPE: Condominium suites in a 13-storey landmark building

SALES CENTRE: 112 King St. E., corner of King and Catherine, open Monday to Thursday 1 to 6 p.m. and Saturday and Sunday noon to 5 p.m.

CONTACT: 905.645.0450 [email protected] royalconnaught.com

kitchens and luxurious bathrooms. Antique hardwood carries throughout the suite under generous nine-ft. ceilings.

“We’re finding that The Residences of the Royal Connaught is checking all of the boxes for buyers because these are spacious urban suites with state-of-the-art amenities, it’s a gorgeous historic space, and of course you simply can’t beat this downtown location,” says Spallacci.

Centred by two nearby GO stations, The Royal Connaught is easily accessible by all-day train service to downtown Hamilton from the existing Hunter station and the future James Street station, scheduled to begin service for the 2015 Pan Am games. In the heart of downtown, throughway streets and bike lanes and lakeside trails connect residents to the city’s east and west sides.

Expected to sell out quickly, Phase I of The Residences of Royal Connaught consists of 122 new condominium suites housed in the original 13-storey landmark building. The selection of elegant condo designs ranges from 555 to 850 sq. ft. and start from the mid $200,000s. Phase I occupancy is expected for 2016.

The restored lobby houses the presentation centre and model suite at 112 King St. E., the corner of King and Catherine in Hamilton, open Monday to Thursday from 1 to 6 p.m. and Saturday and Sunday noon to 5 p.m. For more information, call 905.645.0450 or email [email protected] To register, visit royalconnaught.com

Exquisite suites blend classic and contemporary appeal with the utmost attention to quality and details.


Features valued at over $40,000

Phase 1 50% sold out

FALL PROMOTIONFALL PROMOTION

find more at thewow.ca

Presentation Centre

7107 Kalar Road Niagara Falls

(corner of McLeod & Kalar)

find more at thewow.cafind more at thewow.ca

905.329.5095

Starting at $229,990

Lundy’s Lane

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1 minute to the Q.E.W ramp

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1 hour from Toronto

10 minutes from wine trail

//COMMUNITY FOCUS

LOCATION: Burlington

HOUSING TYPE: Studio to two-bedroom condo suites; one-bedroom plus den to four-bedroom plus den lofts; one- to four-bedroom plus den garden villas

SALES CENTRE: 5210 Dundas St. W., open Monday

CONTACT: 905.592.2028 [email protected] adidevelopments.com

LINK2 CONDOS + TOWNSSuccessful launch reaches the next phase

F ollowing the incredible success of its preview launch, LINK2 Condos + Lofts is feeding Burlington’s growing appetite for innovative contemporary design. Originally slated to launch in spring 2015, Adi

Development Group pushed ahead the second phase of the award-winning LINK project in response to unprecedented market demand.

LINK2’s early success represents a paradigm shift in Burlington’s evolving urban landscape. It’s clear the city is evolving and purchasers are looking for contemporary homes with modern amenities in an affordable range, something the authentic lofts, urban condos and garden villas in LINK2 offer.

Nestled at the foot of Bronte Creek, LINK2 provides residents a connection to the outdoors with the unparalleled convenience of a downtown condo.

“We recognized the need for something modern and progressive in Burlington and created LINK as a solution to the evolution the city is experiencing,” says Saud Adi, COO of Adi Development Group. “From the beginning, we knew the market was there, and the continued demand has only reinforced that this is the future here.”

Recently awarded best condo suite design at the Ontario Home Builders Association (OHBA) awards of distinction, LINK2 is unlike anything on the market in Burlington.


ADI DEVELOPMENT GROUP | LINK2 Condos + Lofts

Nestled at the foot of Bronte Creek, LINK2 provides residents a connection to the outdoors with the unparalleled convenience of a downtown condo.

LINK2 CONDOS + TOWNSSuccessful launch reaches the next phase

“Smart growth is what Burlington needs right now. The city is changing and we want to provide purchasers with a world-class, modern home that suits their needs while accommodating the growth the city is experiencing,” says Tariq Adi, CEO of Adi Development.

Mimicking LINK’s bold exteriors, each unit’s design is visually striking. Stylish kitchens act as the social hub of each suite, featuring premium features and finishes offered as standard.

Custom wood grain cabinets play off bold granite or polished quartz counters with wide plank laminate leading throughout central living spaces. Optional integrated islands are ideal for entertaining and everyday living.

Built into the hillside, the two-storey amenity building extends entertainment space beyond the suites. A resort-style bar extends from the catering kitchen and lounge space, out onto the lush patio and residents will take advantage of a fully fitted fitness studio.

Located at the corner of Dundas and Sutton in Burlington, LINK2 Condos + Lofts feature studio to two-bedroom condo suites ranging from 437 to 882 sq. ft. priced from the mid $190’s; one-bedroom plus den to four bedroom plus den lofts range from 915 to 1,443 sq. ft.; and one- to four-bedroom plus den garden villas range from 817 to 1,644 sq. ft. Lofts and garden villas start in the mid $300’s.

The presentation centre is located at 5210 Dundas St. W., Burlington, open Monday. For more information, call 905.592.2028 or email [email protected]. To register visit adidevelopments.com


THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME416.626.4889

THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME

S P E C I A L E D I T I O N

FALL 2014 EDITION FREE

HOME&CONDO

Hot marketsYOUR GUIDE ON WHERE AND WHAT TO BUY

YOUR FIRST MORTGAGEStress-test before you buy

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//IN THE NEWS

HHHBA PRESENTS ITS

2014 President’s

Gala Awards

The Hamilton-Halton Home Builders’ Association recently held its annual President’s Gala at Liuna Station in Hamilton. More than 200 people attended this event at which the HHHBA recognized the efforts of hard working members and friends of the building industry. The night was also a celebration of the hard work and success of the Association and this year’s president, Nando De Caria of Desozio Homes.

The HHHBA would like to congratulate our members on their well-deserved awards and for their hard-work and dedication to our industry.

Following is a list of this year’s award recipients:

DISTINGUISHED SERVICE AWARD – BUILDER MEMBERThis award is presented to a builder member who, during the past year, has made an outstanding contribution to the housing industry and our local association.2014 Recipient Raymond Zenkovich, Winzen Homes Ltd.

DISTINGUISHED SERVICE AWARD – ASSOCIATE MEMBERThis award is presented to a non-builder or associate member who has made an outstanding contribution to our local association throughout the past year.2014 Recipient Michael Kelly, Mainway, Hunter Creighton Insurance Inc.

PAUL WRIGHT MEMORIAL AWARDThis is a special award presented to a member or a non-member who contributed remarkably to the housing industry.2014 Recipient Mohawk College

PRESIDENTIAL AWARDHHHBA President, Nando De Caria of DeSozio Homes Ltd. has an opportunity to recognize an individual who have helped to make his year successful and he has awarded him with a Presidential Award.2014 Recipients Anthony Chiarella, Marz Homes Holdings Inc.


CITY FOCUS//

» by WAYNE KARL

ST. CATHARINESA city as vibrant as its flourishing surroundings

T he fl oral and fragrant gateway to Niagara is St. Catharines, the Garden City. While it may

seem to take its nickname from thousands of acres of blossoming gardens, parkland, orchards, vineyards and farmland which surround it, it could easily be a result of the substantial greenhouse industry which thrives within the protective shelter of the Niagara Escarpment

Named after the wife of its fi rst mayor, William Hamilton Merritt, hence the uncommon spelling, St. Catharines lies between the shores of Lake Ontario and the Niagara Escarpment, 10 minutes from Niagara Falls, 45 minutes from Hamilton and about 110 kms from Toronto’s Pearson Airport.

With a population of 131,400, St. Catharines is home to almost a third of the residents of the Niagara region.

Th e city has maintained a diverse blend of industry and commerce which successfully co-exists with a rich agricultural heritage. Th e soil and climate conditions and the protective environment of the escarpment make this area ideal for growing vegetables and tender fruit which complement the related food processing industry. Th is is also Canada’s most celebrated and prolifi c wine-producing region. Th e region accounts for more than 40 per cent of Canada’s $300-million fl ower and ornamental plant industry. Almost 3,000 full-time workers are employed by area growers who supply national and international markets. Residents and visitors alike enjoy fresh fruits and vegetables right from the source at farms, farmers’ markets and roadside stands.

On the outskirts of the city is the Wine Route, a scenic trail that winds through Niagara to each of the local wineries. With the considerable growth in the wine industry, St. Catharines benefi ts from the creation of agricultural jobs that lead to manufacturing positions at wineries and processing plants, plus skilled specialists, marketing, sales and retail positions, and, of course, construction jobs to build the facilities multiplied by almost 100 wineries in the Niagara area. St. Catharines loves to celebrate both its culture and its agriculture through festivals throughout the year. Th e piece

63

The piece de resistance is the Niagara Wine Festival that celebrates the grape harvest with dozens of wine and cheese parties, dances, winery tours and one of the largest parades in North America.

de resistance is the Niagara Wine Festival that celebrates the grape harvest with dozens of wine and cheese parties, dances, winery tours and one of the largest parades in North America.

Lifestyle is the growing focus of the city fathers. St. Catharines presents a number of new, state-of-the-art destinations for visitors and locals alike. Downtown is the new Meridian Centre where residents can watch the Niagara IceDogs of the Ontario Hockey League. In the north end, a new city library neighbours the Kiwanis Aquatic Centre. The city’s new performing arts centre is scheduled to open in 2015. Other cultural pursuits of theatre, music and dance can be uncovered at Rodman Hall Arts Centre and botanical garden, Brock Centre for the Arts, Niagara Artist Company or Montebello Park where the pavilion is alive with entertainment from spring until fall. The extensive waterways, trail systems and parklands of St. Catharines create a natural network of recreational opportunities that include fishing, sailing, boating, hiking, cycling and golfing.

St. Catharines has also prospered as a shopping mecca and features the region’s largest mall, the newly opened Niagara Outlet Mall, plus The Pen, Fairview


In addition to the main transportation corridors of the

QEW and Hwy. 406, four major border crossings are within

minutes. St. Catharines has the distinction of being home to the

Welland Canal.

Mall that has morphed into a power centre, and Harvard Square. All have grown to address the needs of growing communities and new housing developments.

With the scenic and social attributes of the city, it comes as no surprise that home building is big business, especially when Niagara has become a retirement destination due to attractive resale and new home pricing that appeals to Toronto buyers. According to 2013 figures from Canadian Home Builders’ Association, the residential construction industry’s economic impact this area is substantial, with 1,223 new housing starts contributing to 7,740 construction-related jobs making this industry the largest employer in the region, rivaling health care, the casinos and the public sector. That translates into about $423 million in wages that manifest its influence in spending within the local economy. Formerly a motor city and home to two General Motors plants, GM was once one of the largest employers but now employs a fraction of its former work force, equal to the numbers employed at

the growing call centres located hereAmong those contributing to this

economic impact are the region’s largest home builder, Mountainview Homes with 13 communities underway, Bayview-Wellington Homes with two of its own long-term projects, and Silvergate Homes, renowned for luxury custom builds with five new home communities of its own in the works.

In addition to the main transportation corridors of the QEW and Hwy. 406, four major border crossings are within minutes. St. Catharines has the distinction of being home to the Welland Canal. Part of its 27-mile route travels through the city as it leads massive freighters from throughout the world on a 325-ft. climb from Lake Ontario to Lake Erie to by-pass Niagara Falls.

St. Catharines packs a great deal of opportunity and lifestyle into its compact size of 39 square miles, an intensive community that flourishes as vibrantly as the gardens within.


LONDON

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

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

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

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

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//QUICK TIPS

» by HELLEN BUTTIGIEG

HELLEN BUTTIGIEG Hellen Buttigieg, CPO,

is a Certified Professional Organizer, life coach, TV

host and owner of We Organize U. Visit her

website, weorganizeu.com, for a free e-Book on

how to find more time, energy and inner peace.

Contact Hellen at [email protected]

Preparing for the busy season

There are many time-consuming activities we do, despite the fact that we don’t enjoy doing them. Could our time possibly be better spent? Is it possible to unburden yourself by improving your methods or delegating some tasks? If it’s a choice between kids and cleaning or sleep versus cooking, why not call in a cleaner or a caterer if it fits into your budget? As the holiday season approaches, try these tips and see if you enjoy this time of year just a little more with a little less on the agenda.

AVOID MALL MADNESS Do you get stressed when shopping for gifts at the mall? Do those long line-ups and limited parking spots dampen your holiday spirit? There’s still lots of time to shop online and have your items delivered in time for the holidays. Many retailers offer free shipping or other incentives at this time of year. Another option is to hire a personal shopper. Some major department stores actually offer this service at no cost, so ask!

HELP FOR THE HOST Hosting a holiday soiree this year? Don’t be a superhero – accept help from others. Make it a potluck. People feel better when they can contribute, and it makes the meal more interesting. While you’re at it, put your kids to work during the event. They can take coats as guests arrive, freshen up the appetizer plates and load the dishwasher. They’ll be learning valuable skills and you’ll be a more relaxed and joyful host.

ASK AND YOU SHALL RECEIVE As the popular Rolling Stones song goes, “You can’t always get what you want, but if you try sometimes you might find you get what you need.” The part they left out of the lyrics is “...if you only ask.” Few people ask for what they need. We expect that those around us will just know, and that if they really care about us, we shouldn’t have to ask. However, most people aren’t mind readers. As an experiment, just for one week, find the courage to speak up and make a direct request – and don’t be surprised if you get both what you need and what you want!

FREE YOURSELF Challenge yourself to spend one weekend a month without doing chores. If you plan in advance, and use the time during the week effectively, it can be done. In fact, it may even motivate you to boost your productivity level during the week substantially. Use

the time to just relax, unwind and putter around the house. If you find you’re feeling bored, let the initial discomfort pass – on the other side of boredom you’ll find peace and tranquility. Remember, we are human beings not human doings, so we need and deserve to spend some time just “being” – guilt-free.

OVERSCHEDULED AGAIN? With fall in full swing, many of us begin to take on more and more responsibility and, before we know it, our plate is not only full, it’s overflowing. Before getting to the point of exhaustion and resentment that often comes from doing too much for too many, make a conscious choice to put your needs ahead of the needs of others. Give yourself just a little more breathing room than you think you need. When you make your needs a priority, you’ll not only feel happier, you’ll also be more fun to be around.

HOW TO BE HAPPIER NOW Most of us have heard the saying, “don’t sweat the small stuff.” It’s great advice for keeping stress under control. I also invite you to “appreciate the small stuff.” We often think it’s the big things that will make us happy – the house, the fancy car, the great promotion – but those come few and far between. Why put off your happiness until then? Instead, you can find little pleasures to enjoy every single day: A freshly cut flower on your bedside table, a candle in your favorite scent, a visit from a cardinal in your backyard. It’s pretty simple – pay attention to the little things that make you happy, and you’ll see more of them.


OPPORTUNITY. OPPORTUNITY. OPPORTUNITY.


//TOP HOMEBUYING TIPS

Home-hunting tips FOR COUPLES

Many happy couples will admit they are an example of opposites attracting. When these couples decide to buy a home together, their differences can certainly pose a challenge.

Buying a home is exciting but the process can also be stressful. It is the biggest purchase most people will ever make and there will almost certainly be some conflict when two people need to make such an important decision together.

Once a couple understands the house-hunting process, however, they can have informed discussions, come to compromises and ease some of the stress.

Farhaneh Haque, director of mortgage advice at TD Canada Trust, outlines the topics that every couple needs to discuss before they start home-hunting:

When these couples decide to buy a home together, their differences can certainly pose a challenge.» The skeletons in the closet: When a couple takes out a mortgage together, both of their credit ratings, incomes, and other factors are taken into account. If one person’s credit rating is less than ideal, it can affect their joint mortgage application and even the interest rate or type of mortgage they’ll qualify for together. Couples should have an open and honest discussion about finances to decide on their best course of action.

» The expectations: Before they even look at a listing, couples should decide together on their price range based on what they can afford and what features they’re looking for in a home. The home-buying process may move quickly and both parties need to be ready to jump in with both feet when they start searching.

» The mortgage: The decisions don’t end with choosing the right neighbourhood and home features. Deciding on the right mortgage is just as important as choosing the right home. Since a mortgage becomes as much a part of a couple’s life as their new home, it’s important that both are comfortable with the mortgage term, interest rate, repayment schedule and other features. “Some sacrifices will have to be made to find the home and mortgage you will both be happy with,” says Haque. “Having the discussions and coming to these compromises before you’ve entered the pressure-cooker of the home-hunt will make a big difference and likely make the home-hunting journey a much more positive experience for you both.”

More information to help you prepare for the home-hunt is available online at tdcanadatrust.com


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The Concept Dual Roller Shade from Sun-Brite Drapery boasts one continuous fabric that alternates between a sheer voile and a privacy fabric, giving you total control over your view and privacy. It also features a built-in valance, where the shade completely disappears when fully raised – now that’s great design.

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Made from 100 per cent certifi ed organic cotton, these beautiful sheets are woven into a 500 thread count and will be beautiful for years to come.

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We all know that cutting boards are essential to kitchen prep. But an emerging trend is taking these cutting boards from the kitchen to the table by using them as a beautiful neutral backdrop to display creative apps, such as the ever popular charcuterie board – a party favourite. We adore these customized cutting boards from Knotty’s Woodwork, which are locally sourced and hand-crafted in Canada.

VISIT KNOTTYS.CA

The Pocket Chair is named for its pocket-sized dimensions and ability to hang off a wall to store. This compact, functional chair with classic design is crafted with a chromed-steel frame and seat of your choice, including natural, stained beech or oak plywood.

FOR MORE SPACE SAVING FURNITURE VISIT

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Maple End Grain Butcher Block 15-in by 20-in by 1.5-in thick $150.

PSSST!{ {Toms and Target have teamed up for a special collection of home goods and clothing for men, women and children, now available. For every item bought, they will donate shoes, a blanket or meals to those in need. It’s time to get your shop on!

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Made-to-order in a variety of fabrics, the Perth Swivel Chair is 100 per cent Canadian made and features a full 360-degree swivel and a solid maple frame. Regular price $1,595. Now $1,095 till Feb. 14, 2015.

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HOMEBUYERS’ HELP//


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Money senseCHECKING

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INSIDE THIS ISSUE

THE ENTERTAINMENT DISTRICT: THE CITY IS YOUR PLAYGROUND

10 THINGS YOUR MOVER WILL NOT DO FOR YOU

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

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狹小家居的品味設計 • 置業貼士: 快人一步,勝人一籌 • 投資地產需知

GTA Chinse Front Cover 11-22-14.indd 1 2014-11-03 9:57 AM

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

FALL 2014

TOP DESTINATION: NEW YORK CITY

Q&A WITH WORLD-FAMOUS DESIGNER KELLY HOPPEN

THE LUXURY MARKET’S CONTINUED EXPANSION

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THE GTA’S most COVETED ADDRESSES

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

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

2014MODEL HOMECALENDAR

BEAVERHALL HOMESRegency Estates

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An exclusive collectionof the GTA’s most

beautiful new condosTHE REMINGTON GROUPThe Signature Condominium

2014MODEL SUITECALENDAR

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An exclusive collectionof Southwestern Ontario’s most

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Calculate your mortgage payments

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

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

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

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

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

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

AMORTIZATION PERIOD

Canadian mortgage payment factors Instructions:

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


2.50% $666 $529 $448 $394

2.75% $678 $541 $461 $407

3.00% $690 $554 $473 $421

3.25% $702 $566 $486 $434

3.50% $714 $579 $499 $448

3.75% $726 $591 $513 $461

4.00% $738 $604 $526 $476

4.25% $750 $617 $540 $490

4.50% $763 $630 $553 $504

4.75% $775 $644 $567 $519

5.00% $788 $657 $582 $534

5.25% $801 $671 $596 $549

5.50% $814 $684 $610 $564

5.75% $827 $698 $625 $579

6.00% $840 $712 $640 $595

6.25% $853 $726 $655 $611

6.50% $866 $741 $670 $626

6.75% $880 $755 $685 $642

7.00% $893 $769 $700 $659

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

Mortgage payment calculation chartAMORTIZATION PERIODS

INTEREST RATES

15 YEARS

20 YEARS

25 YEARS

30 YEARS

%


Compare mortgage rates for your best deal

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

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

TRUST COMPANIES

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

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

OTHER FINANCIAL INSTITUTIONS

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


HOT DATES//

NOV 22

Hamilton Santa Claus Parade DOWNTOWN HAMILTONThe Hamilton Santa Claus Parade this year brings an exciting new lineup of parade floats, entertainment for the whole family and much more.

hamiltonsantaparade.com

NOV 22

Ancaster Christmas Festival ANCASTER FAIRGROUNDS ANCASTERA fairy tale Christmas set in a tranquil country setting. An enchanting festival in the quaint village of Ancaster. This event will have something for everyone. Come shop, sample and enjoy the entertainment in the Christmas Market.

ancasterchristmasfestival.com

NOV 28-30

Hamilton Ski and Snowboard Swap CHEDOKE GOLF COURSE HAMILTONThe annual Hamilton SkiSwap is an opportunity to buy or sell used equipment or surplus new equipment.

hamiltonskiswap.com

DEC 4-7

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

christkindl.ca

DEC 4-7

Christmas Craft FestivalWESTERN FAIR DISTRICT LONDONIf you're looking for Christmas decorations and gift ideas, this show is London's largest craft show and sale, with more than 150 artisans participating over the four-days.

londoncraftshows.com

Nov 22 to Dec 6

Calendar of events beginning from

Nov. 22 to Dec. 6, 2014


Advertiser index

BAYVIEW WELLINGTON: Victoria Village 4

BAYVIEW WELLINGTON: Niagara-on-the-Green 5

BRANTHAVEN HOMES: Corporate 12 & 13

BUCCI HOMES: Villages of Brantwell 40

CLAYSAM HOMES: Corporate 22

COOK HOMES: The Village in Beechwood West 25

COUNTRYGREEN HOMES: The Uptowns of Waterdown 7

DAWN VICTORIA HOMES: Evergreens 34

EASTFOREST HOMES: Corporate 23

EMPIRE COMMUNITIES: Multi-site 2 & 3

FUSION HOMES: Explorer’s Walk 29

GREAT GULF: Rolling Meadows IBC

HOMES BY DESANTIS: Multi-site 11

HOMES BY DESANTIS: On the Ridge 53

JACOB’S LANDING: Jacob’s Landing 49

LOSANI HOMES: Ancaster Glen II 85

MATTAMY HOMES: The Preserve 17

MATTAMY HOMES: Wildflowers 6

MENKES DEVELOPMENTS: Enclaves of Upper Canada 37

MONARCH: Topper Woods 44 & 45

MOUNTAINVIEW HOMES: Corporate 9

NEW HORIZON DEVELOPMENT: Waterfront Trails 39

PHELPS HOMES: Multi-site 35

PINEWOOD HOMES: The Wow Euro Towns 57

REID’S HERITAGE: Williamsburg Walk BC

ROSEHAVEN HOMES: Corporate 41

ROSEHAVEN HOMES: On the Ridge 53

SILVERGATE HOMES: Village on the Twelve 48

SONOMA HOMES: Style Town Collection 61

SPALLACCI HOMES: Royal Connaught 56

STARWARD HOMES: Country Ridge Estates/Heritage Pt. 36

TILLSONBURG DEVELOPMENTS: Baldwin Place 71

TOWN OF TILLSONBURG 69

TRICAR GROUP: Corporate 24

VRANCOR GROUP: 150 Main 47

WILLIAMSBURG HOMES: Eby Estates 27


You’re ready for Losani in Ancaster

Freehold Towns $300’sfrom the upper

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

Phase II Release

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

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

Representative for details.

It’s like no other home buying experience in Canada!THE HOME YOU WANT. WHEN YOU WANT IT.

It’s a smarter way of buying; and a better way of building. With ready-built Pronto Homes on Demand we start building before you buy.

Register Now to attend the VIP PreviewLosaniHomes.com

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

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

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

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

KITCHENER | Victoria Common Towns in a urban community near downtown. From the mid $200s | 519-585-0500

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

BUY BEFORE DECEMBER WITH 5% DOWN & PREFERRED PRONTO MORTGAGE RATES*

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

It’s like no other home buying experience in Canada!

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

ANCASTER | Ancaster Glen

PRONTOMOVE-IN HOMES

READY WHEN YOU AREPRONTOHOMES ON DEMAND

//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

Looking to buy in Hamilton?

CONSIDER LOOKING HERE

Hamilton’s housing market, already a star performer in Ontario especially when compared to high-priced Toronto, will experience steady demand in 2015. Homebuyers moving to the city and increasing job creation support strong existing homes sales, says Abdul Kargbo, senior market analyst for Hamilton and Brantford at Canada Mortgage and Housing Corp. (CMHC).

At the recent CMHC Annual Housing Outlook Seminar for this market, Kargbo said demographic trends will impact the housing industry in Hamilton in 2015.

“� e housing market will benefi t next year from more people moving into than out of Hamilton. � ese out-of-town buyers and a tight resale market will continue to support house prices,” says Kargbo. “Growing housing demand is leading to residential intensifi cation through infi ll and

redevelopment, with multi-unit housing rising to 56 per cent of starts in 2015 and 2016, up from 44 per cent in 2011.”» Existing home sales will remain strong on wider price gap

with Toronto.» More aff ordable areas will see higher existing home sales in

2015 and 2016.» More jobs will be created in 2015 and 2016, which will

support housing demand.» � e rental market will tighten as immigrants and echo

boomers support rental demand.

As for specifi c areas in Hamilton that represent the greatest opportunities for new home purchases, Kargbo says buyers might want to look at Stoney Creek, Glanbrook, Flamborough and Grimsby.

“Given the current land availability and positive net in-migration, (those) areas will see higher level of new residential construction for single-detached and townhouses,” he told New Home & Condo Guide.

� e City of Hamilton core and Burlington will see higher proportion of apartment construction (which includes condo ownership and rental) in the short and medium term, he added.

Land supply issues – including availability and rapidly rising acquisition costs – are having a notable impact in Toronto. � is is even occurring in multi-family housing such as townhomes, previously a popular choice for buyers not able to aff ord detached homes. Over time, this concern could spread to Hamilton.

“Land issues will become more prevalent in the next fi ve years as more people move into Hamilton,” he says. “� is helps explain why intensifi cation could be a solution to growing housing demand and housing aff ordability.”

For Ontario overall, growing economic momentum will support stronger activity in the housing market in 2015.

“However, as mortgage carrying costs continue to grow, due largely to rising home prices, demand will increasingly shift to more aff ordable housing by 2016,” says Ted Tsiakopoulos, CMHC’s Ontario regional economist. “Resale markets surrounding the Greater Toronto Area, higher density dwellings and rental over ownership tenure will benefi t most from the continued shift in buying patterns.”

Hamilton’s housing market, already a star performer

in Ontario especially when compared to high-priced Toronto,

will experience steady demand in 2015.


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

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

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

Lot 5 The Queenston • 2,810 sq. ft. on a 42 ft. lot

$384990 $374990Now From

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

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

N

inventory savings!Move in this year at Rolling Meadows,

Niagara’s award winning master planned community!

GREATGULF.COM

• Award winning, designer inspired homes

• Just minutes from everything: shopping, schools, parks, Hwy. 406 and more!

• Master planned community with parks, schools, walking trails and more

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

• Fabulous upgrades included!

SOLD

SALES CENTRE

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

519 742 4004

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

Beautifully appointed 1, 2 and 3 bedroom suites, complete with hardwood flooring in living, dining and hallways, granite countertops, ceramic flooring in bathroom and in-suite laundry. Choose from 12 different floor plans - ranging from 639 to 1106 sq.ft. - with plenty of above and underground parking.

KITCHENER

KITCHEN7'-6" x 8'-6"

MASTERBEDROOM

10'-7" x 12'-8"

BEDROOM8'-9" x 10'-3"

BALCONY

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

UNIT TYPE F1

4

2 BEDROOM827 ft²

HAC

DW

WD

WH

LN

211 212 201 202 203 204

208C

207 206 205210 209

111 112 101 102 103 104

108C3

107 106 105

1ST

FLO

OR

2ND

, 3R

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4TH

FLO

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WSRI

CL

the DUMFRIES | 827 SQ.FT.

Granite Countertops

In-Suite Laundry

Large Walk-In Closet

Ceramic flooring inBathroom & In-Suite Laundry

Kitchen open to Dining & Living. Perfect for entertaining.

Large Living & Dining combination boast hardwood floors

Large Master Bedroom

Sliding doors open to sun-filled balcony

Granite In-Suite Ceramic flooring inBathroom & In-Suite

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

williamsburgwalk.ca

RBJ Schlegel

Corporate Identity

PANTONE

CMYK

BLACK AND WHITE

REVERSED

PANTONE

CMYKBLACK AND WHITE

COLOUR BACKGROUND

INVERTED

OTHER OPTIONS

RBJ_Williamsburg_Walk_Logo.ai

Acceptable logo variationsN/AAugust 2011

x

xx

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poeticaavenir 45 bookaven i r 65 med ium


555C

464C

1675C

412C

7535C

45/07/37/29

34/56/86/19

24/79/100/15

60/67/67/65

00/04/28/30

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

FREE UPGRADE

to Stainless Steel

Kitchen Appliances plus

Over-the-Range Microwave.

-- OR --

$2500 OFF

floor premiums

Your Complete Urban Community

CONSTRUCTION STARTING SOON!

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

southwestern ontario new home and condo guide - nov 22, 2014

Documents

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falt2a mckenzie elv

balt2b hudson elv

c2alt1a medallion elv

green builder

freehold homes

empire home