Southwestern Ontario New Home and Condo Guide - Nov 8, 2014

NEW PHASE ATTOPPER WOODS43 & 50 Singles in Kitchener

November 8 - 22, 2014 Volume 17 Issue 20

INSIDE THIS ISSUE

SOLID ECONOMY & FUTURE IN HAMILTON

SECURING A MORTGAGEFOR YOUR FIRST HOME

HOW TO REDUCE YOURHOME ENERGY COSTS

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309 Blackburn Dr., Brantford 519.756.4554

McLeod Rd. & Kalar Rd., nIaGara falls 905.354.1710

3 Binhaven Boulevard, BInBrooK 905.692.6000

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Prices, sizes and specifications are subject to change without notice. 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

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GREEN

BUILDER

OF T HE Y EAEAEROF EAEAE RARA

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SPECTACULAR HOMES. sensational settings!

EMPI 7409 NHG SW-LUSH-15x10.5-F.indd 1 2014-11-05 11:35 AMSWO 11-08-14.indd 2 11/5/14 11:57 AM




trUE FreeholdTowns

21699036' Detached

34999036' & 46'

Detached

29999030' Detached

299990


homEs today!


homEs today!


noV. 8th!


44' Detached

359990

trUE Freehold Towns

21999030' & 36' Detached

269990



TRUE Freehold Towns

from299 from359

$ 5,000

in Deco

r Dolla

rs


@Empire_Living



Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

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403

QEW407

56

Lincoln PWY

Binbrook Rd

NN

Clarence

Paris

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Cent

enni

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Colborne

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2013






EMPI 7409 NHG SW-LUSH-15x10.5-F.indd 1 2014-11-05 11:35 AM




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21699036' Detached

34999036' & 46'

Detached

29999030' Detached

299990


homEs today!


homEs today!


noV. 8th!


44' Detached

359990

trUE Freehold Towns

21999030' & 36' Detached

269990



TRUE Freehold Towns

from299 from359

$ 5,000

in Deco

r Dolla

rs


@Empire_Living



Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

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Lincoln PWY

Binbrook Rd

NN

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Paris

QEW

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Montrose R

d

Exit27

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NiagaraFalls

Mississauga

Toronto

Lake Ontario

LakeOntario

Cambridge

Colborne

Veterans

Mem

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GREEN

BUILDER

OF T HE Y EAEAEROF EAEAE RARA

E2013






EMPI 7409 NHG SW-LUSH-15x10.5-F.indd 1 2014-11-05 11:35 AMSWO 11-08-14.indd 3 11/5/14 11:57 AM

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The Beautiful Fall Colours In Wildflowers

Our New Release Is In Full Bloom With A Wide Variety Of Towns And Detached Homes.

Townhomes From $257,990 Detached Homes From $299,990

KITCHENER

Sales Centre: 179 Seabrook Drive

SalesCentre

HW

Y 40

1

Fischer

Hallm

an Rd. S.

HomerWatson Blvd.

Huron

Rd.

Seabrook

Dr.

HWY 7 & 8

Presentation Centre Hours: Monday - Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pmModel Home Hours: Monday - Thursday 1pm-7:30pm; Friday 1pm-5:30pm; Saturday, Sunday and Holidays 11am-5:30pm

Follow us:

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

Village Homes, Rear Lane And 2-Storey Townhomes & A Wide Selection Of Detached Designs.

View all our floor plans online Master planned Kitchener community

Great incentives on 30' Detached Homes 4 professionally designed detached model homes

Wildflowers is alive with colour and a new release of Towns and Detached Homes. Come tour our 4 Detached Model Homes that showcase our exceptional interior

and exterior designs and finishes.

2-Storey Townhome, The Chamomile, Elev. A, 1,290 Sq.Ft., $259,990

Elev. A

36' Home, The Wintergreen, Elev. A, 2,339 Sq.Ft., $400,990

mattamyhomes.com

sw NH&C_WF_Nov. 8.indd 1 2014-11-04 3:44 PMSWO 11-08-14.indd 6 11/5/14 11:05 AM

CountryGreenHomes.com | 905-690-7600

6407

QEW

WATERDOWN

CE

NTR

E R

D.

HA

MIL

TON

ST.

PARKSIDE DR.

DUNDAS ST.

403

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

Monday to Wednesday 2-7pmThursday/Friday by Appointment

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Come for a visit, stay for a lifetime.The Beautiful Fall Colours In Wildflowers

Our New Release Is In Full Bloom With A Wide Variety Of Towns And Detached Homes.

Townhomes From $257,990 Detached Homes From $299,990

KITCHENER

Sales Centre: 179 Seabrook Drive

SalesCentre

HW

Y 40

1

Fischer

Hallm

an Rd. S.

HomerWatson Blvd.

Huron

Rd.

Seabrook

Dr.

HWY 7 & 8


Follow us:


Village Homes, Rear Lane And 2-Storey Townhomes & A Wide Selection Of Detached Designs.

View all our floor plans online Master planned Kitchener community

Great incentives on 30' Detached Homes 4 professionally designed detached model homes

Wildflowers is alive with colour and a new release of Towns and Detached Homes. Come tour our 4 Detached Model Homes that showcase our exceptional interior

and exterior designs and finishes.

2-Storey Townhome, The Chamomile, Elev. A, 1,290 Sq.Ft., $259,990

Elev. A

36' Home, The Wintergreen, Elev. A, 2,339 Sq.Ft., $400,990

mattamyhomes.com

sw NH&C_WF_Nov. 8.indd 1 2014-11-04 3:44 PM

NOVEMBER 8 - 22, 2014 | NEW HOME & CONDO GUIDE SWO 7

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regular and special features

IN EVERY ISSUE

10 Editors Note83 Hot Dates84 Ad Index COLUMNISTS

40 Building Blocks Securing the best mortgage for your first home by Jeff Paikin

42 Tarion Report Renovations and repairs can affect your new home warranty rights by George Bogach

86 Fundamentally Speaking Interest rate hike unlikely in 2015: BMO Financial by Wayne Karl

IN THE NEWS

58 HHHBA HHHBA presents awards to members at annual meeting

HOMEBUYERS HELP 16 Top Homebuying Tips

Three good reasons to think resale when buying a new home

61 City Focus Hamilton growing economy for a brighter future by Wayne Karl

69 Top Homebuying Tips How to reduce your home energy consumption and heating costs

70 Smooth Move Smart planning tips to save you time and trouble when moving

73 Marketplace Hanging a-round by Elisa Krovblit

74 Designer Advice Jillian Harris Canadas it girl by Sara Duck

77 Homebuyers Resources Mortgage Calculator & Rate Table

24 Waterloo Cook Homes offers last opportunity for leisure living in Beechwood West

28 Guelph The Tricar Group Tricars condo experience continues to rise at River Mill in Guelph

46 Burlington Bucci Homes Villages of Brantwell offers a twist on luxury one-level living

50 Hamilton Vrancor Development Group Discover 150 Main West, with amenities to rival all others

54 Georgetown Menkes Developments New release of 40-ft. detached homes at The Enclave of Upper Canada

NOV 8 - 22, 2014 || VOLUME 17 ISSUE 20

contentsON THE COVER

p. 14MONARCH

CORPORATION Topper Woods in Doon Mills

single-family homes in a prestigious location

19 Waterloo33 Hamilton64 London

New Home WATCH

community focus features

24

28

46

50

54

Have the home of your dreams with Mountainview Homes

THOROLD WELLAND FONTHILL NIAGARA FALLS RIDGEWAY ST. CATHARINES FORT ERIE

www.mountainview.com 905.323.6232

Off er & Specifi cations subject to change without notice. E.&.O.E. Not valid with any other promotion. Visit Sales Offi ce for Details.

APPLIANCESHARDWOOD

SMART HOMETECHNOLOGY

FLOORSSTUNNING

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HURRY IN to get your $8,000

Design Dollars! Limited Time Offer!

#howwouldyouspend$8000in Design Dollars?

NOVEMBER 8 - 22, 2014 | NEW HOME & CONDO GUIDE SWO 9

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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

//EDITORS NOTE

Buying a brand-new home offers you an opportunity to customize it to your liking. It can be a dream come true and an investment for the future but dont forget, its also legal transaction.

The term get it in writing has never been more important in the case of the new-home purchase, since such a document outlines everything your home will have in it, on it and around it. Your Agreement of Purchase and Sale spells out the terms and conditions between you and your builder. Without it, if there is a misunderstanding or disagreement, its impossible to prove what was agreed upon.

Since building a home is much more complicated than a resale transaction where the unit and/or property likely already exists, there is no set Agreement of Purchase and Sale or standard contract for buying a new home. In some provinces, builders may have standard contracts prepared by the local home builders association or their new-home warranty program. Builders often prepare their own agreements, so contracts can vary from one builder/developer to another and from province to province.

Before you sign a contract, review it carefully with the builder and ask questions to make sure you fully understand what it contains. Your next step is to then take it to a real estate lawyer and have it reviewed. Once it is signed, it becomes a legal document and an agreed-upon contract, so seeking the services of an experienced real estate lawyer is an important step toward ensuring that your dream home becomes a reality.

Get it in writingAnd have your lawyer review your agreement

When buying a new home, many peoples vision involves an expansive property in an excellent location and at a great price within easy reach of all the amenities you need and where you work.

If youre lucky, you can achieve all of this right off the bat. More likely, as prices rise and selection is increasingly determined by availability and aff ordability, you may need to compromise. Instead of a detached home in your number one neighbourhood, you fi nd yourself looking at a semi. If a townhome is not quite within reach in your fi rst area of choice, you may be considering a condo.

is is the exercise more and more homebuyers are going through these days. Want a bigger property, move further out of the city. at used to be the fairly simple equation. Now, complicated by issues such as transit and commuting times, the choices may not be so clear. In and around the GTA, for example, rising land acquisition costs are expected to make many buyers number two choice townhomes notably more expensive in the coming years. Where to from there? A condo? is may not be a suitable alternative, if you have a family.

e good news is builders are responding to such challenges by increasing their off erings in home type, and in the case of condos, unit sizes. Plenty of homebuying options are out there, and if you do thorough research, youll unearth the opportunities.

Hot markets and cool opportunitiesHot real estate markets leave some prospective buyers exploring options to get in

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 8 - 22, 2014

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* Please see sales agent for details. Prices subject to change without notice. Illustrations are artists concept. E. & O.E.

IMPORTANT: 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

TENNIAL PKW

Y.

FIFTY RD.

BARTON ST.

64EXIT

ONTA

RIO ST.

GRIMSBY

DOWNTOWNBEAMSVILLE

STONEY CREEK

HAMILTON

BURLINGTON SKYWAY

RED HILL PKW

Y.

SERENA DR. MAY ST.

ONTA

RIO ST.

From GTA

ASK ABOUT OUR NO DOWN PAYMENTNO PROBLEM PROGRAM!*

Select lots bordering on naturalized creek Beautiful established community New release pricing & bonus offers*

$200,000sFrom Mid

Sales Centre Hours & Location: 5017 & 5019 Serena Drive, BeamsvilleHours: Monday - Thursday 1pm - 7pmSaturday & Sunday 12pm - 5pm Fridays by appointment only289.566.8889 HomesByDeSantis.com

FINALTOWNHOME

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FINAL FEW REMAIN!Dont miss your chance to own in Downtown Beamsville!

GRAND OPENING CONTINUES!U70xx_LS_Fiera_NHC_Nov 3_Layout 1 11/4/14 3:57 PM Page 1

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//COVER STORY

TOPPER WOODS in DOON MILLSSingle-family homes in a prestigious location

A t Monarchs Topper Woods in Kitcheners coveted Doon Mills community, homebuyers are able to purchase a new home from a limited release of single-family homes on 43- and 50-ft. lots. Monarch has built hundreds of homes in this highly desirable neighbourhood and this new release is expected to sell quickly.

Homes include a collection of grand designs that include gas fireplaces, four bedrooms, enhanced gourmet-style kitchens and spa inspired master ensuites. Home sizes range from 1,922 to 3,523 sq. ft. and priced from mid $400,000s with loft and finished basement options available.

Located near the Doon Creek Ravine by the shores of the historic Grand River, the community is named after the neighbouring historic Village of Doon, where picturesque

bridges and a century-old mill are symbols of the regions storied past. The community of Doon Mills captures the feel of a small village with whispers of yesteryear echoing among its trees. Everyone seems to know each other here and social gatherings are the fabric of community life throughout the seasons. Here families will enjoy the pleasure of their own backyards with inviting summer barbecues and winter ice rinks.

At Topper Woods, children can play on tree-lined streets under the watchful eye of caring neighbours, while all of the conveniences are just around the corner. Parks, shopping, dining, schools, places of worship, doctors and dentists as well as public transportation are all close by, making Topper Woods the ideal family community. Monarchs designer-decorated model homes are now open, showcasing all of the beautiful features available at Topper Woods.

Monarch. First. Since 1917, for thousands of Canadians, choosing Monarch has been central to so many important events in their lives. First homes, first memories, first


014-015 Cover Story Monarch_VB-WK.indd 14 2014-11-06 2:00 PM

MONARCH CORPORATION | Topper Woods

LOCATION 7 Wetland Way, Kitchener

HOUSING TYPE Single-family homes on 43- and 50-ft. lots

CONTACT 519.894.8222 monarchgroup.net

accomplishments, first friends and even first loves. For almost a century, Monarch has brought people closer together. So trust one of the oldest, strongest and most respected name in Canadian home building. Choose Monarch. First. Headquartered in Toronto, Monarch is one of Canadas oldest and largest home builders. Monarch has consistently been recognized in the home building industry and by its customers for superior quality and outstanding customer satisfaction. Monarch builds and develops single-family detached and attached homes in Toronto and Ottawa and builds highrise condominiums in the GTA. Monarch focuses on style, design, quality and livability in all of its homes and is the Canadian brand of Taylor Morrison Home Corp.

NOV 8 - 22, 2014 | NEW HOME & CONDO GUIDE SWO 15

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Three good reasons to think resale WHEN YOU BUY A NEW HOME

//TOP HOMEBUYING TIPS

Buying a brand new home has obvious advantages you choose the lot location, elevation, floorplan and, of course, the interior finishings. Anything you want to make your new home well yours. Resale potential and what features might appeal to future buyers of your home are likely not top of mind.

But, builders and realtors alike say you should think about resale when you select the inclusions, design elements and decor basics of your new home. It may be your brand new home now, but one day you may choose to sell and thats when your personal tastes could affect the resale value of your home.

Consider these insights from the recent Canadian Home Critics Survey from realty firm Century 21:

DECORIn Quebec, for example, 20 per cent of homebuyers (the highest in Canada) dislike decor full of the owners personal

touches. Buyers in Ontario rank dated flooring as one of their top decor turn-offs. In Alberta, 28 per cent (the highest in the country) say updated finishings such as counters, flooring and mouldings are added features that would persuade them to buy.

ENERGY EFFICIENCYCanadians overwhelmingly would select a home due to energy efficiency upgrades (41 per cent) over updated finishings such as granite counters or hardwood floors (22 per cent). In Atlantic Canada, 59 per cent rated energy upgrades as the top feature that would persuade them to buy, the highest percentage in Canada. In BC, residents overwhelmingly say energy efficiency upgrades are the number one additional feature that would persuade them to buy a home (41 per cent).

CLEAN, MODERN LOOKSOntarians rank dated flooring as the number two home decor turn-off. The number one way to turn off Ontario homebuyers is to not clean the house well (57 per cent), while 18 per cent say old furniture taints their first impression of a home. If a home has old flooring, it better be sparkling; uncleanliness tops Canadian homebuyers turn-off list (60 per cent), followed by dated flooring (40 per cent) and bold paint colours (18 per cent).


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The Waterleaf Model Home In The Preserve, Oakville


Follow us:


mattamyhomes.com

Exclusive Oakville address Abundant natural community features

Convenient local community shops A lifestyle like no other in The Preserve

OAKV ILLE

PRESERVETHE

Sales CentreDesign/ModelHomes Centre

QEW

Hwy 5

4th

Line

3rd

Line

Bro

nte

Hw

y 403 OAKVILLE

Sales Centre: 1388 Dundas Street West

Townhomes From The Low $400sDetached Homes

From The Low $700s

45' Home, The Orchid, Elev. F, 3,556 Sq.Ft., $1,068,990

Rear Lane Townhome, The Beech,Elev. E, 1,766 Sq.Ft., $506,990

Elev. E

Gracious Living In Oakville Starts At The Preserve.A Full Selection Of Townhomes & Detached Homes Now Available.

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Monarch

Corporation has been featured as M

ODEL HOME OF THE MONTH

as seen

in the new

home & condo guide model home calendar

NOV20

14

Tranquility, The Serene B with lo

ft and fi nished

lower level, Ajax, Ontario.

Model Home Complimen

ts of Monarch

Corporation. w

ww.m

onarch

group.net

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

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

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

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

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

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

NEW RELEASESREIDS 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

REIDS 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

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Adult

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Elmira CLAYSAM HOMES Elmira Country Club Estates from $256,900 22

Georgetown MENKES The Enclaves of Upper Canada from mid $700's 38

Guelph FUSION HOMES The Metalworks 31

Guelph TRICAR GROUP River Mill Condominiums from mid $200's 30

Kitchener TERRA VIEW HOMES Edgewater Estates from low $400's 27

Kitchener BRANTHAVEN Nestings from the $400's 13

Kitchener EASTFOREST HOMES Woodhaven South 23

Kitchener MATTAMY HOMES Wildflowers from $257,990 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 32

Waterloo COOK HOMES The Village in Beechwood West from low $500's 26

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Towns, semis and singles from $256,900

Visit us at our Sales Presentation Trailer: Only 10 minutes from KW! 126 Church Street West., Elmira

Mon., Tues. and Wed. 3-7pmSat. & Sun.: 12-5pm

519-669-3569

Now Selling!

Honeysuckle B 2033 sq.ft.

Visit us this weekend in Elmira and SAVE THOUSANDS!!The next master planned community by CLAYSAM HOMES is settling in to the quiet countryside of Elmira. Situated close to parks, schools and recreational amenities, you will feel worlds apart in this quaint setting but will be minutes away from every convenience.

Church St. W.

SITE

Sny

der

Ave

. N.

Arth

ur S

t. N

.

Elmira Golf Club

Dream. Believe. Achieve. claysamhomes.com

22 NEW HOME & CONDO GUIDE SWO | NOVEMBER 8 - 22, 2014

SWO 11-08-14.indd 22 11/5/14 12:33 PM

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

$1,000 depo

Sit MoveS you

in

warranty

coverage

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d cloSing

energy eff

icient

www.eastforesthom

es.com

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

Buy a house closing before December 31st, 2014 and receive a trip for two.

last cHance to

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.

Towns, semis and singles from $256,900

Visit us at our Sales Presentation Trailer: Only 10 minutes from KW! 126 Church Street West., Elmira

Mon., Tues. and Wed. 3-7pmSat. & Sun.: 12-5pm

519-669-3569

Now Selling!

Honeysuckle B 2033 sq.ft.

Visit us this weekend in Elmira and SAVE THOUSANDS!!The next master planned community by CLAYSAM HOMES is settling in to the quiet countryside of Elmira. Situated close to parks, schools and recreational amenities, you will feel worlds apart in this quaint setting but will be minutes away from every convenience.

Church St. W.

SITE

Sny

der

Ave

. N.

Arth

ur S

t. N

.

Elmira Golf Club

Dream. Believe. Achieve. claysamhomes.com

23

SWO 11-08-14.indd 23 11/5/14 12:33 PM

//COMMUNITY FOCUS

LOCATION: Waterloo

HOUSING TYPE: Luxury condo villas from low $500,000s

SALES CENTRE: 435 Winchester Dr., near Fischer-Hallman, open 2 to 7 p.m. Monday to Wednesday, 1 to 5 p.m. weekends, or by appointment

CONTACT: 519.725.8880 / 519.886.9797 [email protected] cookhomes.ca

COOK HOMES OFFERS LAST OPPORTUNITY

for leisure living in Beechwood West

T his is your last chance to live in Waterloos Beechwood West. Cook Homes has created a leisurely lifestyle of condominium townhome villas within its award-winning Village in Beechwood West, a community where enjoying beautiful parkside settings and greenspace are a way of life.

Just days ago, this achievement was rewarded with multiple SAM awards, including Project of the Year and awards for both of its model home designs, by the WRHBA. These models are on view for everyone to see testament to the style and graciousness of these homes and this supreme location.

Six homes remain of the 55 condominium villas originally offered. They enjoy a Beechwood address and all the things it embraces lifestyle, leisure and luxurious, maintenance-free living all within the established Beechwood West community. With sales at 90 per cent, it is testimony to the appeal of these homes and their surroundings. Nestled within an exclusive enclave at 435 Winchester Dr., this location in Waterloo west reaches out to three parks, and a natural greenbelt with a creekside location.

Beyond the community, youll discover this corner of Waterloo offers everything shopping, dining, school and services. You can walk to Uptown Waterloo in less than 15 minutes. There is golf nearby, the University of Waterloo and the Laurel Creek Conservation area. For those who enjoy daytripping, Stratford is only 35 minutes away, or youre minutes to the Farmers Market and


024-025 CF Cook Homes_MC-WK.indd 24 2014-11-06 2:00 PM

Outlet Mall and the village of St. Jacobs, Elmira and beyond. Hwy. 401 is also close at hand.

For those with a desire to downsize space without minimizing features and amenities, the McCrae Park is a two-storey designed for those who appreciate the finer things in life. The McCrae Park resembles a chateau with a stately faade of stone, brick and stucco and gabled roofline. Five of these homes remain representing 2,125 sq. ft. of Cook Homes creative design and comfortable living. Plus, exteriors are finished and landscaping is in place around all homes to eliminate that construction zone feeling.

Beyond the gracious exterior of this two-bedroom villa, youll find nine-foot ceilings on the open-concept main floor creating a serene atmosphere with its soothing dcor. The kitchen with its fine appointments of dark-stained custom cabinetry, island/breakfast bar, granite counters and glass tiled backsplash forms the cornerstone of the area between the family room and dining room. Terrace doors lead to a spacious patio and the garden. Built-in, custom bookshelves and a corner fireplace complete the comforts of this welcoming space.

The master suite offers spa-like opulence with a corner Roman tub glassed-in shower, solid surface vanity and mini tiles that unify the entire space. The master bedroom is detailed with a coffered ceiling above. The spacious landing serves as an open loft with sitting area, while the second bedroom serves well as a guest suite with its own ensuite. A fully-dressed laundry offers second-floor convenience.

This model is for sale at $694,900. It includes all appliances, plus a finished lower level showcasing a state-of-

the-art theatre room with seating for eight plus a wet bar and wine cooler, and all window treatments and area carpeting. Other notable upgrades include a studio sound system and intercom package and security system.

Until the end of November, a fall savings package is being offered to those choosing a McCrae Park Villa which includes $15,000 in upgrades that will enable them to outfit their own theatre room or games room or

Only one Winchester Park Villa bungalow remains. It offers 1,700 sq. ft. on the main floor and an additional 824 sq. ft. on the lower level, and features a den with cathedral ceiling and oversized windows. The open-concept living area includes a formal dining room and kitchen with an extended breakfast bar. The Great Room has a gas fireplace, and the separate dinette area opens into a large covered patio. The master suite includes a walk-in closet, and luxurious ensuite. It is priced at $511,900.

COOK HOMES | The Village in Beechwood West


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Purchase the award winning McCrae Park villa in the established community of Beechwood West and receive $15,000 in upgrades until November 30th!

Only a limited number of 2-storey town villas and only one bungalow remain in the Final Phase of this established West Waterloo community, act now!

Start Fall off

Fresh & Save

!

Save Until No

v. 30th!

Buy a McCra

e Park Villa

IN FREE UP

GRADES*$15,0

00R

EC

EIV

E

cookhomes.ca

Award Winning Builder

*Offer valid until November 30, 2014. Buyer must order $15,000 or greater in home upgrades to receive full credit of $15,000 in free upgrades. Offers and plans subject to change without notice. See sales representative for more information. E. & O. E.

2 MODEL HOMES 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:

Pattie OReilly Especially New Homes Inc., Broker

Sat. & Sun. 1- 5pm | Mon., Tues. & Wed. 2- 7pm

[email protected]

519.725.8880 or 519.886.9797

ERB S

T. WES

T

FISCHER HALLMAN RD.

MODELS

7/88

401

90%

SOLD OUT

Waterloo

Surrounded by parklands, creek and natural greenbelt in mature neighbourhood

Maintenance free condominium lifestyle

Outstanding features, including granite countertops, 9 ceilings, stone, brick and

stucco exteriors with generous stone patios

Limited number of 2-storey town villasOnly one bungalow remains!

Priced from the Low $500,000s

Winner of the 2014 WRHBA Multi-Unit

SWO 11-08-14.indd 26 11/5/14 12:34 PM

from the low

$400s

Purchase the award winning McCrae Park villa in the established community of Beechwood West and receive $15,000 in upgrades until November 30th!

Only a limited number of 2-storey town villas and only one bungalow remain in the Final Phase of this established West Waterloo community, act now!

Start Fall off

Fresh & Save

!

Save Until No

v. 30th!

Buy a McCra

e Park Villa

IN FREE UP

GRADES*$15,0

00

RE

CE

IVE

cookhomes.ca

Award Winning Builder

*Offer valid until November 30, 2014. Buyer must order $15,000 or greater in home upgrades to receive full credit of $15,000 in free upgrades. Offers and plans subject to change without notice. See sales representative for more information. E. & O. E.

2 MODEL HOMES 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:

Pattie OReilly Especially New Homes Inc., Broker

Sat. & Sun. 1- 5pm | Mon., Tues. & Wed. 2- 7pm

[email protected]

519.725.8880 or 519.886.9797

ERB S

T. WES

T

FISCHER HALLMAN RD.

MODELS

7/88

401

90%

SOLD OUT

Waterloo

Surrounded by parklands, creek and natural greenbelt in mature neighbourhood

Maintenance free condominium lifestyle

Outstanding features, including granite countertops, 9 ceilings, stone, brick and

stucco exteriors with generous stone patios

Limited number of 2-storey town villasOnly one bungalow remains!

Priced from the Low $500,000s

Winner of the 2014 WRHBA Multi-Unit

SWO 11-08-14.indd 27 11/5/14 12:36 PM

//COMMUNITY FOCUS

TRICARS CONDO EXPERIENCE CONTINUES

TO RISEat River Mill in downtown Guelph

Construction cranes on the horizon signify things are booming in downtown Guelph, where Tricar has spearheaded the two newest projects, River House and River Mill Condominiums. River Mill is now in full construction phase, and River House, in the home stretch of construction with the final finishing touches getting ready to welcome purchasers to their new homes in mid November.

Tricar continues to lead the way with its commitment to working closely with the communities in which it builds and revitalizing downtown cores. Not only does the company bring vitality and people to the core, these luxury highrise residences will forever enhance the citys skyline. The response from Guelph residents, the support from the business community and the municipality have all contributed to the overwhelming success of these projects. River House was sold out at a record-setting pace and River Mill is already 60 per cent sold, only five months into the selling period.

River Mill Condominiums will reign at 18 storeys and has begun to define its prominence in beautiful downtown Guelph. The exterior will provide a sophisticated, professional presence at street level with a grand entrance and welcoming lobby. The podium and tower design creates a dramatic profile adding to the appeal of the urban skyline. The surrounding grounds and private outdoor spaces, including oversized balconies and expansive terraces, are designed to echo key features of the natural environment and offer outdoor living enjoyment for condominium owners.

Residents will enjoy exclusive use of the fantastic amenities planned for River Mill Condominiums. The Sky Lounge, with private terraces, courtyards and gathering and dining areas sheltered by gazebos to enjoy the rooftop views of the sights of one of Canadas prettiest cities. This is a serene outdoor oasis of 6,082 sq. ft. Beautifully manicured courtyards provide the perfect place to relax and enjoy this carefree lifestyle. Inside, residents can enjoy socializing with a game of pool in the billiards room alongside the residents bar and lounge areas, take in a movie in the theatre with its state-of-the-art sound system or cosy up in front of the fire in the library and study. Residents will also have exclusive use of the health and fitness area with 1,628 sq. ft. of well-equipped facilities for their healthy pleasures. There is also a guest suite for overnight visitors.

With more than 30 unique suite layouts at River Mill, there is a plan to satisfy every lifestyle. Expansive windows and private balconies offer breathtaking views of the surrounding city on every level. The Sky Series suites on the 16th and 17th floors feature large terraces and balconies, with two penthouse suites on the 18th floor equally stunning with open spaces and more than 1,200 sq. ft. of terraces, plus incredible views of Guelph. Great care and creativity has been invested to ensure these suites offer a unique perspective to the city, functional, efficient living spaces, well-appointed finishes and the best of luxury living.

In a progressive and environmentally responsible move by Tricar, River Mill will become the first residential building in


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THE TRICAR GROUP | River Mill

LOCATION: Downtown Guelph

HOUSING TYPE: Highrise condos from mid $200s to more than $900,000

SALES CENTRE: Old Quebec Street Mall, 55 Wyndham St. N.

CONTACT: 519.763.2898 tricar.com

Guelph to be heated and cooled by a shared energy network that will one day supply much of the citys heating and cooling needs. River Mill will join the Sleeman Centre and River Run Centre, which have already hooked in and will share energy through an underground network of pipes to provide eco-friendly thermal heating, hot water and air-conditioning.

While sales are at 60 per cent, there are still many great opportunities available. But dont wait too long the demand is high for this incredible opportunity to live in downtown Guelph.

Having earned many distinguished awards of excellence for architecture, design and safety, Tricar was also most recently named the 2014 Tarion Ontario Highrise Builder of the Year; the first Southwestern Ontario builder to receive this coveted award for outstanding customer service, based solely on customer feedback. Tricars experience in luxury highrise condominium development in Southwestern Ontario reaches back three decades and more than 5,000 homes and continues to rise with these and other fantastic developments planned for many years to come.


028-029 CF Tricar_VB-WK.indd 29 2014-11-06 2:00 PM

We are honoured to be the recipient of this years 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 ONTARIOS BUILDER OF CHOICE CURRENTLY IN

PRESENTATION CENTRE NOW OPEN

AT SUNNINGDALE AND RICHMOND FROM THE MID $200S

TRICAR

Village North PANTONE

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We are honoured to be the recipient of this years 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 ONTARIOS BUILDER OF CHOICE CURRENTLY IN


AT SUNNINGDALE AND RICHMOND FROM THE MID $200S

TRICAR

Village North PANTONE

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31

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HWY#8

Conestoga Parkway

Fis

ch

er-

Hallm

an

Isaia

h S

t.

Bleams Rd.

GravelRidge Trail

Exit#278

LONDON TORONTO

MODEL HOME& PRESENTATON CENTRE276 GRAVEL RIDGE TRAIL

Ho

me

r W

ats

on

7/8

401

KITCHENER

COME VIEW OUR TWO MODEL HOMES

EMBRACE THE FALL SEASON THIS YEAR WITH A BIG CHANGE - A NEW HOME

Make a change in your life, move to Eby Estates, an exceptional

ENERGY STAR community located in Kitchener. With plenty of

room to grow, these single-detached designs are large enough

for all of lifes changes.

30, 36 and 40 lots. From $352,900*

Beautiful Architecturally Distinct Heritage HomesExtra Deep LotsWalk-Out LotsPrivate Backyards

THE SEASON

CHANGE

THE SEASONTHE SEASONTHE SEASONTHE SEASONTHE SEASON

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

Beautiful Architecturally Distinct Heritage HomesExtra Deep Lots

OF

MODEL HOMES HOURS:

Mon. - Wed. 2 - 7pm Sat. - Sun. Noon - 5pm

LEARN MORE AT:

williamsburghomes.ca

519.208.5834

QUICK CLOSINGS

AVAILABLE

32

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ANCASTERBEAMSVILLEBINBROOKBRANTBRANTFORDBURLINGTONCATHARINES GRIMSBY HAMILTON

MILTONNIAGARAOAKVILLEPARISPORT DOVERST. CATHARINESSTONEY CREEKVINELAND

HAMILTON HALTON NIAGARA

PREVIEW REGISTRATIONSILVERGATE HOMES St. Catharines | Jacobs Landing Register now for these 12 luxury towns and singles from the low $500s. 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 $200s. jazzcondos.ca

ROSEHAVEN HOMES Chippawa | The Ravines at Lyons 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 Ancasters 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 Hamiltons 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. Heres 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 detached homes on 44-ft. homesites from $359,990. wyndfield.empirecommunities.com

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


033-Sneak Previews HAMILTON_VB.indd 33 2014-11-06 2:00 PM

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Aldershot BRANTHAVEN HOMES Jazz from the $200's 12

Ancaster DAWN VICTORIA Evergreens from mid $400's 36

Ancaster LOSANI HOMES Ancaster Glen 85

Ancaster LOSANI HOMES The Woodlands 85

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

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

Binbrook EMPIRE COMMUNITIES Summerlea from $299,900 2&3

Brantford EMPIRE COMMUNITIES Wyndfield from $219,990 2&3

Burlington BUCCI HOMES The Villages of Brantwell from low $500's 48

Fonthill SILVERGATE HOMES The Residences at Lookout 56

Hamilton LOSANI Green Hill Glen from high $300's 85

Hamilton LOSANI Sherman Oaks from high $300's 85

Hamilton STARWARD HOMES Country Ridge Estates from the $440's 39

Hamilton VRANCOR GROUP 150 Main from low $200's 52

Niagara EMPIRE COMMUNITIES Imagine from $216,990 2&3

Niagara GREAT GULF Rolling Meadows from $344,990 87

Niagara MOUNTAINVIEW HOMES Thundering Waters from $305,900 9

Niagara PHELPS HOMES Streamside on the Twenty from low $400's 37

Niagara SILVERGATE HOMES Village on the Twelve from the $380's 56

Niagara Falls ROSEHAVEN Lyon's Creek from $314,990 43

Niagara Falls SILVERGATE HOMES German Village 56

Niagara on the Lake AVERTON HOMES Averton Square from high $200's 49

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

Oakville BRANTHAVEN HOMES Oakvillage from mid $300's 13

Oakville MATTAMY HOMES The Preserve from low $400's 17

Smithville PHELPS HOMES Brookside on the Twenty from the $350's 37

Smithville PHELPS HOMES Auburntrail from mid $300's 37

Smithville PHELPS HOMES The Atwater Collection from high $200's 37

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

St. Catharines JACOB'S LANDING Jacob's Landing from low $500's 57

St. Catharines SILVERGATE HOMES Jacob's Landing 56

St. Catharines STARWARD HOMES Heritage Point from the $220's 39

Stoney Creek EMPIRE COMMUNITIES Lush at Victory from $299,990 2&3

Stoney Creek NEW HORIZON Waterfront Trails 41

Stoney Creek ROSEHAVEN HOMES On the Ridge 43&53

Stoney Creek HOMES BY DESANTIS On the Ridge 53

Thorold ROSEHAVEN HOMES Gibson Heights from $291,990 43

Thorold SILVERGATE HOMES Beamer Landing 56

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

Waterdown ROSEHAVEN HOMES Waterdown Meadows from $469,990 43

35

034-035-SW Map-Hamilton.indd 35 2014-11-06 1:51 PM

Ancaster | 905-304-6099Sales Office Hours

Mon to Thurs 1pm6pm | Friday by appointment Saturday & Sunday 12pm5pm

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 youll ever need.

Its your last chance, only a few lots remain!

DawnVictoriaHomes.com

SO

UT

HC

OT

E R

D

GARNER RD E

6

403

36 NEW HOME & CONDO GUIDE SWO | NOVEMBER 8 - 22, 2014

SWO 11-08-14.indd 36 11/5/14 12:37 PM

Life. Imagined.

Whoever said you cant have it all, doesnt live here.

Theres 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 natures 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 NIAGARAS 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 THIS FALL

Detached Bungalows

from the 350s 905-957-1777

Attached Bungalows

from the high 200s 905-957-1777NOW OPEN

Ancaster | 905-304-6099Sales Office Hours

Mon to Thurs 1pm6pm | Friday by appointment Saturday & Sunday 12pm5pm

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 youll ever need.

Its your last chance, only a few lots remain!

DawnVictoriaHomes.com

SO

UT

HC

OT

E R

D

GARNER RD E

6

403

37

SWO 11-08-14.indd 37 11/5/14 12:37 PM

WALK,BIKE &PLAYin Stoney Creeks Family Friendly Community

New Semi DesignsDiscover your new home at On the Ridge. An exciting enclave of 40 & 35 Detached and Semi-Detached within an established and sought after neighbourhood in Stoney Creek. Surrounded by fun for the whole family - hiking, biking and all the attractions of the Niagara Region. Its the lifestyle you want for your family...a touch above!

Semi Detached $300sfrom the mid 40 & 35 Detached $400sfrom the mid

*Prices and specications correct at press time. Rendering is artists concept. E. & O.E. Prices quoted are in $ thousands.

TO TORONTO TO NIAGARA

LAINNETNEC REPPUY

WKRP

KING ST. E.

MUD ST. E.

FIRS

T RD

. W.

RYMAL RD. E.HIGHLAND RD. W.

QEW

SITE

PRESENTATIONCENTRELINC

RED

HIL

LVA

L PK

WY

STONEY CREEK

Mon to Thurs: 1pm to 8pm Sat, Sun & Holidays: 11am to 6pm Closed Friday

(289) 396.3096LiveOnTheRidge.ca

Homes by DeSantis Rosehaven Homes

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 (12x 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

$200s STARTING IN LOWOccupancy Early SPRING 2015 !

150 MAIN WEST

NOW

SEL

LING

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

SWO 11-08-14.indd 53 11/5/14 12:50 PM

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: MTh: 12 noon7pm | FSu: 11am6pm (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

UPP

ER J

AM

ES

MOHAWK RD

GOLF LINKS

RD

RYMAL RD W

TWENTY ROAD E

LINCOLN ALEXANDER PKWY

UPP

ER W

ENTW

ORT

H

UPP

ER W

ELLI

NG

TON

STONE CHURCH

Visit our model home 8117 Twenty Road East Hamilton

WESTCHE

STER

AV

E

SITE

406

TO QEW

WO

OD

BU

RN AV

EW

OO

DB

URN

AVE

QUEENSTON AVE

QUEENSTON AVE EASTCH

ESTER AV

E

ST. CATHARINESGOLF & COUNTRY CLUB

GARDEN CITY MUNICIPAL GOLF COURSE

CR016 NHAC Combo Ad R1.indd 1 14-09-19 1:36 PM

39

SWO 11-08-14.indd 39 11/5/14 12:38 PM

by JEFF PAIKIN

//BUILDING BLOCKS

JEFF PAIKIN Past President of HHHBA,

has been in the building industry for more than 20

years. As President and CEO of New Horizon Development Group

(Builders of the inaugural CHBA Green Home of

the Year), there isnt much in the housing world

he hasnt seen. Jeff will provide regular insight

and perspective of whats going on in todays market and what buyers should be aware of as they prepare

to make a purchase. He can be reached at

[email protected]

SECURING THE BEST MORTGAGE

for your first home

Securing your first mortgage is truly one of lifes milestones. Being able to carry a six-figure loan indicates that you have achieved well-regarded levels of prosperity and responsibility.

Before you apply for a mortgage, there are a number of measures that first-time and seasoned buyers alike can take to ensure they qualify for the best mortgage possible. Reducing your mortgage rate by just one per cent can save you thousands of dollars over the life of your mortgage.

The primary focus for prospective buyers should be to exhibit an ability to manage your personal finances. Lenders look at your debt-to-income (DTI) ratio to determine how much you can afford to borrow. This ratio is calculated by dividing your monthly gross income by the amount you use to pay off debts such as auto loans, student loans and credit card balances each month.

Your ability to manage debt and credit plays a major part in determining what rate a lender is willing to give you or if you even receive a mortgage at all. Lending institutions rely on your credit score a three-digit number that reflects the history of how youve paid your bills, how much open credit you have and anything else that would affect your creditworthiness.

You should never apply for a mortgage without first getting your credit reports. The primary reason is to ensure there arent any errors or discrepancies. Errors on your file can force you to pay a higher interest rate on your mortgage and in some cases even torpedo your chances of getting a loan altogether. You could discover accounts that arent even yours, or collection accounts for debts you no longer owe.

Once youve confirmed the accuracy

of your credit report, you can begin to take steps to improve your credit score in the months leading up to your purchase.

Thirty-five per cent of your score is determined by your payment history. Consistently being late on your credit card payments will significantly hurt your rating. Do your best to keep the balance on your credit cards under a quarter of the total line of credit. At the very least, pay your credit card bills on time to preserve a respectable score. If possible, pay off the balance entirely and promptly, even if it means using some of your money for the down payment.

The second most important part of your credit score is your level of debt. You should look to pay down student or car loans that may be keeping your score low. Mortgage advisors encourage first-time buyers to limit their major purchases on credit until after theyve secured their mortgage. You might want to push back that new car until after youve bought your first home! As a first-time homebuyer, extending your unsecured credit to the maximum by buying one or more new cars before you get your first mortgage will almost always force you to remain a renter, and have you paying someone elses mortgage for years to come.

Dont apply for more credit than you need. Too many open or unused accounts can hurt your chances of getting a mortgage. They can also be a major temptation to live beyond your means. Whatever you charge or borrow must eventually be repaid. Dont dig yourself into a deep financial hole.

Many young professionals whove been renting or living with parents dont have much of a credit history. If this is this case, it might be a good idea to have one or more of your utilities in your own name. While just having your name on an electric or gas bill, telephone, cable or water service wont establish a credit score, it can still be helpful for a first-time borrower.

The best thing you can do is to get a credit card and use it with the utmost prudence. Simply using it in place of money you actually have on hand, then using that cash to make your monthly payments can go a long way to helping you establish good credit history. It takes time and there are really no shortcuts or tricks that can take you from bad credit or no credit at all to a high score in a matter of months or even a few years. While it is important to initially establish credit, it is even more important to take the time to do the right things to maintain good credit.

Securing a good mortgage doesnt have to be burdensome or disheartening. If you take the necessary steps to tidy up your financial affairs, you will find all aspects of homeownership, not just your mortgage, to be rewarding.


040-Jeff Paikin Building Blocks_MC-WK.indd 40 2014-11-06 2:00 PM

SWO 11-08-14.indd 41 11/5/14 12:40 PM

by HOWARD BOGACH

Renovations and repairs can affect your warrantyWORK WITHIN THE RULES TO PRESERVE YOU WARRANTY RIGHTS

//TARION REPORT

All warranties come with limitations and rules, and your new homes warranty is no exception. The purpose of the warranty is to provide homeown-ers with protection against defective workmanship and materials. But if you make significant changes to your home through renovations or repairs, you may be forfeiting your warranty rights.

The scenario usually goes something like this: A homeowner notices an issue with his new home and submits a statutory warranty form. Not wanting to wait the 120-day builder repair period, the homeowner completes the repairs. However, any alterations, deletions or additions made by the homeowner are excluded from your warranty, and Tarion cannot cover such defects.

In addition to performing their own renovations or repairs, there are a few ways homeowners can forfeit their warranty rights, such as failing to properly maintain their home and not submitting their forms on time. These are the most common ways to jeopardize your warranty rights.

WAIT TO MAKE RENOVATIONSMost homeowners cant wait to put their mark on their new home by decorating and renovating. Before making any renovations to a new home, read your Agreement of Purchase and Sale.

Builders often include a clause that states you should not finish your basement within the first two years of possession when you should be watching for foundation cracks or water leaks. If there is water penetration, unless the builder finished the basement, theyre not responsible for the damage.

If renovations damage an item under warranty, the item will no longer be

covered for example, if you install pot lights and the alterations cause issues with the electricity.

JEOPARDIZING YOUR WARRANTYHealth and safety concerns can cause panic in any homeowner. This can include issues with heating, plumbing, electricity and your water supply. Homeowners often feel they must take matters into their own hands if the situation is urgent.

This could involve calling a plumber or electrician to get an immediate repair. However, you may forfeit your warranty if you hire a contractor to fix a system that is under warranty. Once the repair is complete, your builder may not be able to assess if the issue was caused by a defect in construction or installation both warrantable.

Both your builder and Tarion have emergency contact information and procedures in place to handle these situations, and Tarion has technical representatives available.

So, before you attempt to fix the issue yourself, contact your builders emergency number and then Tarion. Only if you cannot reach your builder or Tarion should the emergency condition be corrected.

Homeowners should obtain a detailed written report of the problem, and an invoice that sets out the repair methods used by the contractor, as soon as possible after completing the repair. In these cases, limit the repair to the emergency condition and not subsequent damage that may have been caused.

MAINTAIN YOUR HOMEOwning a new home comes with a responsibility to manage and maintain it. By conducting regular and proper mainte-nance, you will help to ensure that your statutory warranty rights are protected. Your Homeowner Information Package, provided by your builder and available on Tarions website, includes a complete home maintenance checklist that can ensure your home stays healthy.

Finally, one of the simplest ways to preserve your warranty rights is to file your statutory forms on time. Register for MyHome by visiting tarion.com. You will receive email alerts with personalized warranty timelines, including key due dates for form submission and inspection requests.

For questions about your new home warranty or how to regis-ter for MyHome, contact Tarion at 1-877-9TARION or [email protected]

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.


042-TarionReport_Warranties come with limitations and rules_MT-WK.indd 42 2014-11-06 2:00 PM

CHIPPAWA/NIAGARALYONS CREEKNEW 36 Singles and36 Wide Freehold Towns from $314,990 Condominium Towns Coming This Month

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 $354,99040 & 35 Singles from $464,990

WATERDOWNWATERDOWN MEADOWS35 Singles from $469,990

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 satisfi ed with anything less than the exceptional. Because we know you wont.

HAVEN: A PLACE OF SAFETY OR REFUGE

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

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

Visit RosehavenHomes.com

Seek haven from the ordinary

43

SWO 11-08-14.indd 43 11/5/14 3:49 PM

New Dun

dee Rd.

N

SALESCENTRE

Hwy.

401

Wetland Way

Thomas Sle

e Dr.Robert Ferrie Dr.

Everyones Coming to Topper WoodsDont 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 Kitcheners historic Doon Village with schools, local parkland and easy access to Hwy 401.

Elegant 43 and 50 Singles from $447,990

Choice of three new incentive packages

Prices, specifications, 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 October 2014. 13285.

SALES CENTRE & MODEL HOMES

7 Wetland Way, Kitchener ON N2P 2Y7519.894.8222

HOURS:

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

New Dun

dee Rd.

N

SALESCENTRE

Hwy.

401

Wetland Way

Thomas Sle








HOURS:


SWO 11-08-14.indd 44 11/5/14 12:40 PM

New Dun

dee Rd.

N

SALESCENTRE

Hwy.

401

Wetland Way

Thomas Sle








HOURS:


New Dun

dee Rd.

N

SALESCENTRE

Hwy.

401

Wetland Way

Thomas Sle








HOURS:


November 2014. 13285.

New Dun

dee Rd.

N

SALESCENTRE

Hwy.

401

Wetland Way

Thomas Sle








HOURS:


New Dun

dee Rd.

N

SALESCENTRE

Hwy.

401

Wetland Way

Thomas Sle


Everyones Coming to Topper WoodsDont miss out on this one! A brand new phase at sought-after Topper W

Documents

Southwestern Ontario New Home and Condo Guide - Nov 8, 2014