Southwestern Ontario New Home & Condo Guide - February 16, 2013

Feb 16 - Mar 2, 2013 Volume 16 Issue 03

INSIDE THIS ISSUE

MORTGAGES: SEPARATINGFACT FROM FICTION

HAMILTON SETS RECORDFOR HOME BUILDING

DREAM AMENITIESIN ANCASTER

001-SWO NHG_Cvr_02-16-13.indd 1 2/14/13 2:42:55 PM

Model Show of the Year!Empire Communities is proud to present our new 2013 Models.

EMPI 5001 NH SWO Cover-Gatefold-F.indd 2 2013-02-11 6:35 PMUntitled-22 1 2/14/13 2:46:45 PM

Prices, sizes and specifications are subject to change without notice. E.&O.E. Map not to scale. *Please see Sales for full details. Exclusive listing brokerage: TFN Realty Inc. Brokers Protected.

empirecommunities.com

44' Detached from

$311,990

4 MODELS TO TOUR!

36' Detached from

$281,99030' Detached from

$229,990

TRUE Freehold Towns from

$191,990

BRANTFORD

310 Blackburn Dr., BRANTFORD 519.756.4554

4 NEW MODELS NOW OPEN!

36’ Detached from

$321,99030’ Detached from


$371,990


$221,990

HAMILTON

3 Binhaven Blvd., BINBROOK 905.692.6000

COMING SOON: 42’ HOMES!

34' Detached Homes from

$346,990


$276,990

STONEY CREEK

22 Green Mountain Rd. W., STONEY CREEK 905.930.7934

@EmpireVictory facebook.com/EmpireVictory

@EmpireWyndfield facebook.com/EmpireWyndfield@EmpireSummerlea facebook.com/EmpireSummerlea

OPEN 7 DAYS A WEEK: Mon-Thurs 1-7pm Fri 1-6pm Sat, Sun & Hol. 11am-5pm

EMPIRE IS ENERGY STAR PLUS!


GREEN

BUILDER

OF T HE Y EAEAE

RARA


Mississauga

Toronto

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

N

Clarence

Paris

QEW

Colborne

Hwy.

20/

Cent

enni

al P

WY

GreenMountain RdRymal Rd

Summerlea

Blac

kbur

n

Conklin

Shellard Mt. PleasantWarner

Wynd�eldWynd�eld

Brantford HamiltonBrantford Hamilton

StoneyCreek

Victory

StoneyCreek

facebook.com/EmpireCommunities@Empire_Living

Join the conversation

The whole world is right at your fingertips.

• Guaranteed Lowest Price • Guaranteed Historically Low Interest Rates • Guaranteed Great Service • Guaranteed Amazing Community • Guaranteed Energy Savings

Act now and get*…

Your time is now.

Join us in our new showroom at the corner of Binbrook and Binhaven and see why everyone’s moving to Summerlea!Featuring 4 decorated models, including 2 of our brand new designs, this is your opportunity to see the features and finishes that will bring your dream home one step closer to reality.

The Anticipated New Model Show of the Year Is Here! Get the best price on your new Empire Communities home and historically low interest rates. All of our amazing communities are master-planned, with parks, schools and friendly front porches. Buying now is truly the deal of a lifetime.

There’s never been a better time to buy an Empire home.The Deal of a Lifetime.

EMPI 5001 NH SWO Cover-Gatefold-F.indd 3-5 2013-02-11 6:38 PM003-Empire Communities 02-16-13.indd 1 2/13/13 12:48:18 PM



44' Detached from

$311,990

4 MODELS TO TOUR!

36' Detached from


$229,990


$191,990

BRANTFORD



36’ Detached from



$371,990


$221,990

HAMILTON




$346,990


$276,990

STONEY CREEK








Mississauga

Toronto

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

N

Clarence

Paris

QEW

Colborne

Hwy.

20/

Cent

enni

al P

WY


Summerlea

Blac

kbur

n

Conklin




StoneyCreek

Victory

StoneyCreek





Act now and get*…

Your time is now.




EMPI 5001 NH SWO Cover-Gatefold-F.indd 3-5 2013-02-11 6:38 PMUntitled-22 1 2/14/13 2:47:50 PM



44' Detached from

$311,990

4 MODELS TO TOUR!

36' Detached from


$229,990


$191,990

BRANTFORD



36’ Detached from



$371,990


$221,990

HAMILTON




$346,990


$276,990

STONEY CREEK








Mississauga

Toronto

LakeOntario

Cambridge

Colborne

Veterans

Mem

orial Pkw

Gretzky

401 8

403

QEW407

56

Lincoln PWY

Binbrook Rd

N

Clarence

Paris

QEW

Colborne

Hwy.

20/

Cent

enni

al P

WY


Summerlea

Blac

kbur

n

Conklin




StoneyCreek

Victory

StoneyCreek





Act now and get*…

Your time is now.




EMPI 5001 NH SWO Cover-Gatefold-F.indd 3-5 2013-02-11 6:38 PMUntitled-22 1 2/14/13 2:48:19 PM

BW-NHC_SWO-0113.pdf 1 13-01-25 1:47 PM

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We are now open in our very fi rst Kitchener community. Wildfl owers is a master-planned community offering inspirational community features such as park spaces, playgrounds, walking/biking trails and scenic ponds scattered throughout the

neighbourhood. You’ll enjoy a mature forest bordering Wildfl owers which provides a beautiful backdrop to an evening’s walk. A school is planned right

in the community and local shops will be coming for added convenience.

Come and see our collection of very affordable and stylish Townhomes and our wide selection of well-appointed Detached Homes.

Our inspired and colourful collection of Wildfl owers is open in Kitchener.

mattamyhomes.com

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

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

Townhome, The Bellflower, Elev. ‘B’, 1,263 Sq.Ft,$251,990

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

Elev. ‘B’

Wildflowers Are Now Growing In Kitchener.

A Mattamy’s Chef’s Kitchen.

Sales/DesignCentre

Hw

y 40

1

Hw

y 40

1Homer Watson Blvd.

Huron

Rd.

Huron Rd.

Fischer Hallm

an Rd . S.

Seabrook Dr.

Woodbine Ave.

Townhomes From $249,990·

Detached Homes From $294,990

SW_NH&C_Wildflowers Feb16.indd 1 2013-02-11 11:14 AM

6

006-Mattamy-Wildflowers 02-16-13.indd 6 2/13/13 3:23:56 PM

905-580-3454 | www.countrygreenhomes.com

LINCOLN M. ALEXANDER PKWY.

STONE CHURCH RD. W.

UPP

ER JA

MES

ST.

UPP

ER W

ENTW

ORT

H S

T.

GA

RTH

ST.

403

QEW

BLOSSOM LANE

HAMILTON

*See sales representative for details. Some conditions and restrictions may apply.

CountryGreen Homes is the

proud recipient of 8 prestigious

2010 hhhba Awards of

Distinction

PREMIUMLOTS FREE!*

THIS WEEKEND ONLY!!

$329900FROM

35 Single Family Homes nestled amongst a beautiful mature neighbourhood on

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VISIT OUR MODEL HOME

DOORS OpEN AT

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FEB 16 - MAR 2, 2013 | NEW HOME & CONDO GUIDE SWO 7

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contents FEB 16 - MAR 2, 2013 || VOLUME 16 ISSUE 03

EMPIRE COMMUNITIES launches four new model homes at Summerlea in Binbrook

p.14cover story

IN EVERY ISSUE10 EDITOR’S NOTE

75 HOT DATES

76 AD INDEX

COLUMNISTS26 THE MORTGAGE MINUTE

Separating fact from fiction for first-time buyersby Peter Kinch

56 HHHBA REPORT 2012 was a record year for home building in Hamiltonby Mathieu Langelier

77 FUNDAMENTALLY SPEAKING Watch the changing retail landscape to see if your neighbourhood is on the riseby Wayne Karl

regular and special featuresIN THE NEWS20 OHBA

OHBA ready to work with Premier Kathleen Wynne

22 BMOCanadians plan to save nearly $10,000 in 2013: BMO report

HOMEBUYERS’ HELP18 HOT SHEET

London24 TAX MATTERS

Canadians relying on RRSPs for retirement but not contributing

29 HOT SHEET Hamilton

46 CITY FOCUS Ancaster – bedroomcommunity with dream amenities for residents

57 HOT SHEET Waterloo

64 TAX MATTERS Canadians embracing do-it-yourself investing

69 HOMEBUYERS’ RESOURCES Mortgage Calculator & Rate Table

14 BINBROOK Empire Communitieslaunches four new model homes at Summerlea in Binbrook

34 BRANTFORDBrookfield HomesGrand Valley Trails in Brantford presents the best in the west for less

42 ANCASTER WinzenThe Kensington in Ancaster showcases Winzen’s style and substance

community focus features

34

42

008 TOC_DN-WK.indd 8 2/14/13 1:33:47 PM

mountainview.com | 905-323-6232

FONTHILL RIDGEWAYWELLAND BEAMSVILLENIAGARA FALLS THOROLD NIAGARA FALLSNIAGARA FALLS

good things come frozen.Mountainview’s prices ice creamice skating

To celebrate the chilly winter, we’ve frozen our 2012 prices

at all Mountainview communities!

plus for a limited time receive$3,000 off townes $5,000 off singles!

Prices and specifi cations subject to change without notice. E. & O.E. Off er is subject to change without notice.

feb 16 - mar 2, 2013 | New home & coNdo guide Swo 9

009-Mountainview Homes 02-16-13.indd 9 2/13/13 3:24:09 PM

VICE-PRESIDENT, WALL2WALL MEDIAJacqueline Hill

ASSOCIATE PUBLISHERSusan Maxwell

EDITOR-IN-CHIEF, NATIONAL REAL ESTATESusan Legge

ART DIRECTORJulie Yoo

EDITORWayne Karl

CONTRIBUTING EDITORSJanine DrueryElisa KrovblitSilvana Longo Lydia McNutt (on leave)Sara Duck (on leave)

DISTRIBUTION & SALES CO-ORDINATORJennifer Bistron

ADMINISTRATIVE ASSISTANTAntoinette Jackson

MANAGER OF PRODUCTIONBala Gnanapandithan

CO-ORDINATOR Laura Northmore

GRAPHIC DESIGNERAlexander Yakubovich

NATIONAL ACCOUNT MANAGER, MEDIATIVE Paul Slizys

CONTRIBUTING WRITERSJoanne KeenanJeffrey Reed

PUBLISHED BY

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

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

ADVERTISING: Call Susan Maxwell at 416.580.1654 FAX: 416.784.9554 Toll Free: 1.877.269.8257, follow prompts, ext. 4260;e-mail: [email protected] Office hours are Mon-Thurs. 9-5; Fri. 9-12

CIRCULATION: Free distribution. Published bi-weekly from Sept.-Nov. & from Feb.-June and monthly in June, July & Dec.

TERMS: Advertisers, Editorials and New Home & Condo Guide are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.

EDITORIAL: Submissions from interested parties will be considered. Please submit to the address above, to the attention of the Editor.

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

e d i t o r ’ s n o t e

The Bank of Canada’s latest announcement to hold its interest rate target at one per cent does not come as a surprise. The rate has been holding at that level

since September 2010, which is good news if you’re in the market for a mortgage.

There are many excellent mortgage products available from banks and brokers that will suit your individual needs, and are likely lower than posted bank rates, which are currently hovering around three per cent for a variable rate. With a pre-approval in hand, you’re protected if rates rise; if they go down, you’ll likely get an even lower rate. A pre-approval can be a win-win situation for shoppers,

since it means you don’t have to wait to get � nancing approval on a home when you put in an offer. This is an especially good tool to have in markets that are hot. Removing the “conditional on � nancing” clause could mean your offer is accepted � rst since you already have your � nancing in place.

So, when will rates rise? It’s anyone’s guess, but most experts agree it’s unlikely there will be much movement until early 2014. The Bank will make its next scheduled rate announcement on March 6. Don’t wait until then to get pre-approved for a mortgage. It can take a few days. Many lenders now offer online pre-approvals to make the process faster and easier.

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

Follow me on Twitter at Twitter.com/SusanLegge

Taking advantage while you canUse low interest rates to your benefi t

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.

Imagine buying a new car, TV or other big-ticket item without � rst inquiring about the manufacturer’s warranty. You wouldn’t dream of it, would you? But

when it comes to buying a new home, many consumers are not always as diligent.

Perhaps it’s a matter of some people being so excited about buying a new home that they’re more interested in choosing � nishes than reading the � ne print of a sales agreement or warranty. Or maybe they assume all builders are created equal, and that certain things are covered, when in fact they may not be. Or it might be a lack of awareness of just how new-home warranties work in Ontario.

Welcome to Tarion Warranty Corp. – a non-pro� t, private company designed to protect the rights of new-home buyers and to regulate new-home builders. With four main responsibilities – homeowner education, warranty enforcement, builder licensing, and identifying and prosecuting illegal building – it is, unfortunately, a necessary but extremely valuable body. It is also one you should get to know.

That’s why, beginning next issue, we’re going to run regular content on Tarion,to help educate readers on what the organization does and how it can help.

Just like for cars or electronic devices, all manufacturers and products are not created equal. Learning about your new-home builder and warranty is a crucial part of the homebuying process.

Wayne Karl EDITORWall2Wall Media, [email protected]

Follow me on Twitter at Twitter.com/WayneKarl

Know your builder – and warrantyNew-home buyers in Ontario should take comfort in knowing every home is backed by Tarion

10 NEW HOME & CONDO GUIDE SWO | FEB 16 - MAR 2, 2013

010 Editors Page_SWO_AY-WK.indd 10 2/14/13 12:14:17 PM

$10,000CASH BACKOn All Freehold Townhomes! Limited Time Only!

IMPORTANT: Take Ontario St. (Hwy #18)/Beamsville Exit #64Do Not Take Ontario St./Grimsby exit

QEW

N

BEAMSVILLESALESCENTRE

BEAMSVILLE

LAKE ONTARIO

KING ST.

CEN

TENN

IAL PKW

Y.

FIFTY RD.

BARTON ST.

64EXIT

ON

TARIO

ST.

GRIMSBY

DOWNTOWNBEAMSVILLE

STONEY CREEK

HAMILTON

BURLINGTON SKYWAY

RED HIL

L PKW

Y.

NIAGARA

SERENA DR. MAY ST.

ON

TARIO

ST.

Sales OfficeHours & LocationSales Centre: Intersection of Ontario & May Street, (Serena Drive), BeamsvilleHours: Monday - Thursday 1pm - 6pmSaturday & Sunday 12pm - 5pmFridays by appointment only289.566.8889

Live In The Of Downtown Beamsville.

OWNERSHIP MADE EASY!

$504Bi-WeeklyFrom

Executive Freehold Towns $249,900

Spacious Detached Homes $324,900

• Located on historic Beamsville Fairgrounds site

• New 46,000 sq. ft. community centre with public library & hockey arena steps away

• Short commute to GTA, Niagara Region and border

From

From

5% Down • Flexible ‘Low Deposit’ Program

For community updates, contests, new home owner information and more, follow us on:

Register now on your mobile device

†

HomesByDeSantis.com

† Calculation results are approximations and for information purposes only. The calculations assumes all payments are madewhen due. Calculations assume that the interest rate would remain constant over the entire amortization period, but actual interestrates may vary over the amortization period. Price includes P&I and is based on buyer using $10,000 incentive to lower purchaseprice and providing 20% deposit. Price has been rounded by two decimal places – actual amount $504.25. * Cash Back refers to discount off purchase price that will be credited upon final statement of adjustments towards sale price.

Illustrations are artist’s concept. Prices and specifications subject to change without notice. E. & O.E. February 2013.

*

U9041_NHC_SWO_Feb16_U9041_NHC_SWO_Feb16 2/11/13 4:48 PM Page 1

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c o v e r s t o r y

The popular community of Sum-merlea in Binbrook launched four fully decorated new model homes,

including two brand new designs this past weekend and the response was very excit-ing. Many of the visitors to the showroom had been eagerly awaiting these models and were not disappointed.

Already a big hit with purchasers, the quaint, vibrant neighbourhood of Sum-merlea features charming freehold town-homes, as well as detached homes on vari-ous homesite sizes.

EmpirE launchEs four nEw modEl homEs in summErlEa

Two brand new designs come to popular hamilton community

Interior design by Decorenza, the new Manhattan design is set on a 44-ft. homesite and features four bedrooms with four ensuite baths. This spacious 2,921-sq.-ft. home boasts details such as a huge, open concept kitchen, large foyer with its own built-in bench and an expansive walk-in closet, a welcoming entertaining space on the main level and a mud room off the garage also with a built-in bench, great for taking those winter boots on and off. The most striking feature of The Manhattan is its massive master bedroom and ensuite, which comprises one-half of the second floor. The master bath includes couples’ sinks, separate his and hers walk-in closets, separate shower and baths and a make-up bar. A laundry room on the second level makes laundry days a breeze. Prices for the Manhattan start at $396,990.

The second new design is the Hampton, a 2,137-sq.-ft. home on a

14

014-015 Cover Story Empire_JY-WK.indd 14 2/14/13 12:14:26 PM

EMPIRE COMMUNITIES Summerlea

30-ft. homesite. Features of the Hampton include an open concept designer kitchen and two family rooms, including one which is two storeys. Prices for the Hampton start at $326,990.

Summerlea is also featuring two new model homes for the already-popular 2,214-sq.-ft. Hudson model and the 2,683-sq.-ft. Lanier model. Prices for the Hudson and the Lanier start at $357,990 and $381,990, respectively.

Empire has created several different elevations for these popular home designs with fabulous layouts and lots of space for families. Some of the homes feature a spacious open concept design encompassing two family rooms, a large eat-in kitchen with a walk-in pantry, an office nook off the kitchen, perfect for checking the Internet for a new recipe. These homes are great for enjoying time with family or entertaining

with a group of friends.Located just minutes from downtown Hamilton,

life at Summerlea offers the best of small town coun-try living with all the amenities of the big city just around the corner. Whether it’s exploring the Lake Niapenco reservoir, hiking the Binbrook Conserva-tion Area, swimming in its waterways, or golfing on its world class courses, outdoor living is a feature attraction in this part of Southwestern Ontario.

Empire Communities is one of the region’s lead-ing builders and has provided local families with outstanding homes in Hamilton, Ancaster, Dundas and Stoney Creek.

To learn more, visit empirecommunities.com or contact the sales office at 905.692.6000 or via email at [email protected]

Binbrook

lOCaTION

Detached homes and freehold townhomes

hOUSINg TyPE

905.692.6000 [email protected] empirecommunities.com

CONTaCT

feb 16 - mar 2, 2013 | NEw hOME & CONdO gUIdE SwO 15

014-015 Cover Story Empire_JY-WK.indd 15 2/14/13 12:14:34 PM

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

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

59

401

Dundas St

Oxford Rd 17

Mill S

t

Norw

ich Ave

Fairway Rd

Lakeview Dr

Vansittart Ave

2

SITE & SALES CENTRE

Sales Centre Hours:Saturday, Sunday, Monday – Wednesday11 am – 5 pm. Or by appointment519-290-3466geraniumhomes.com

Semi-Links & 50’ LotsSemi-Links & 50’ Lots

up to 2,719 sq.ft.

$289,900from

Follow us on:

Geranium Homes Presents Geranium Homes Presents 3 Spectacular Model Homes By 3 Spectacular Model Homes By Acclaimed Designer Bryon Patton!Acclaimed Designer Bryon Patton!

✔ 4 season adult lifestyle golf course community.4 season adult lifestyle golf course community.

✔ Fabulous bungalows with loft options. Fabulous bungalows with loft options.

✔ Sensational walk-out and golf course lots.Sensational walk-out and golf course lots.

✔ Steps to Sally Creek Golf Course, Bistro and on site Steps to Sally Creek Golf Course, Bistro and on site residents only recreation centre. residents only recreation centre.

✔ Minutes to the new Woodstock Hospital, downtown Minutes to the new Woodstock Hospital, downtown shopping and dining, Theatre Woodstock and Highway shopping and dining, Theatre Woodstock and Highway 401 and 403. 401 and 403.

Woodstock’s Premier Four Season Golf Course Community

Model Home Grand

Opening

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016-017-Geranium-Sally Creek 02-16-13.indd 16 2/13/13 3:24:57 PM

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

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

59

401

Dundas St

Oxford Rd 17

Mill S

t

Norw

ich Ave

Fairway Rd

Lakeview Dr

Vansittart Ave

2

SITE & SALES CENTRE

Sales Centre Hours:Saturday, Sunday, Monday – Wednesday11 am – 5 pm. Or by appointment519-290-3466geraniumhomes.com

Semi-Links & 50’ LotsSemi-Links & 50’ Lots

up to 2,719 sq.ft.

$289,900from

Follow us on:

Geranium Homes Presents Geranium Homes Presents 3 Spectacular Model Homes By 3 Spectacular Model Homes By Acclaimed Designer Bryon Patton!Acclaimed Designer Bryon Patton!

✔ 4 season adult lifestyle golf course community.4 season adult lifestyle golf course community.

✔ Fabulous bungalows with loft options. Fabulous bungalows with loft options.

✔ Sensational walk-out and golf course lots.Sensational walk-out and golf course lots.

✔ Steps to Sally Creek Golf Course, Bistro and on site Steps to Sally Creek Golf Course, Bistro and on site residents only recreation centre. residents only recreation centre.

✔ Minutes to the new Woodstock Hospital, downtown Minutes to the new Woodstock Hospital, downtown shopping and dining, Theatre Woodstock and Highway shopping and dining, Theatre Woodstock and Highway 401 and 403. 401 and 403.

Woodstock’s Premier Four Season Golf Course Community

Model Home Grand

Opening

WQ-1169 NHG SWO DPS 02.16.13.indd 1 2/11/13 4:06:41 PM

17

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

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

sifton properties Ingersoll | HarrisViewPhase One now available – new homes located just minutes from Hwy. 401; small town charm close to schools, parks, greenspace and amenities.sifton.com

LONDON

BayFIeLdBLytHCLIntonGRand BendInGeRsoLLLondonMItCHeLLseaFoRtHsHakespeaRest.tHoMasstRatFoRdtaVIstoCktILLsonBuRGWInGHaMWoodstoCk

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

sheethot

new openingsgeranium homes Woodstock | the Village at sally Creek Now open – semi-linked and fully detached bungalows and bungalow-lofts in this adult lifestyle community.geraniumhomes.com

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

18 NEw hOmE & cONDO gUIDE SwO | feb 16 - mar 2, 2013

018 Sneak Previews LONDON_JY-WK.indd 18 2/14/13 12:14:39 PM

401

401

401

403

402

402

3

4

4

4

4

48

8

887

7

7

3

19

19

21

21

21

24101

Goderich

GrandBend

Clinton

London

Dunwich

St. ThomasAylmer

Wingham

Woodstock

Tillsonburg

Stratford

Ingersoll

T o K i t c h e n e r

Mitchell

StrathroyWhite Oak

HydePark

Waterloo

Kitchener

Norwich

New Hamburg

L A K E E R I E

London: Wingham, goderich, clinton, mitchell, Stratford, WoodStock, ingerSoll, tillSonburg, aylmer, St. thomaS, Strathroy, dunWich

Location BuiLders sites Prices PageSemi

townhome/condo

det.bunga

low

adult life

style

ingersoll Sifton HarrisView • from the $280's 25

tillsonburg tillSonburg developmentS Baldwin Place • • • from $225,900 23

Woodstock claySam homeS Neighbourhoods of Devonshire • 21

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

Please see advertisers ads for location of sites

feb16-mar2,2013| new home & condo guide swo 19

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i n t h e n e w s

“Together we worked to update

the Ontario Building Code

and explore opportunities to

improve Ontario’s land-use planning

system.”

The OnTariO hOme Builders’ Association (OHBA) congratulates Kath-leen Wynne on her election as the new leader of the Ontario Liberal Party and Ontario’s 25th Premier of Ontario.

“OHBA has a long and productive history with Premier Wynne,” says Joe Vaccaro, COO of OHBA. “Premier Wynne, in her various roles as Minister, has always found time to meet with OHBA and discuss issues of mutual concern. We welcome Premier Wynne’s plan to govern and believe that in order to build a stronger Ontario we must have a healthy economy and a stable government. We look forward to continued communication and dialogue with the Premier.”

OHBA’s past president, Doug Tarry, and current president, Leith Moore, were among the first among industry leaders to meet with the premier following her ap-

Premier Wynne OnTAriO HOMe BuiLDers

reADy TO WOrK WiTH

pointment as the Minister of Municipal Affairs and Housing.

it was slightly more than a year ago that Premier Wynne served as the keynote speaker at OHBA’s 2012 Annual industry Leaders’ Dinner, addressing more than 300 industry leaders as the Minister of Mu-nicipal Affairs and Housing.

“Together we worked to update the Ontario Building Code and explore oppor-tunities to improve Ontario’s land-use plan-ning system,” says Vaccaro, adding, “OHBA is ready and eager to work on these and other issues including the College of Trades and fighting the underground economy.”

OHBA will continue working with the Premier to build a stronger economy, improve infrastructure across the province and deliver necessary transit across Ontario while focusing on improve housing afford-ability and choice.

The Ontario Home Builders’ Associa-tion is the voice of the residential construc-tion industry in Ontario representing 4,000 member companies organized into 30 local associations across the province. The in-dustry contributes more than $42 billion to Ontario’s economy, employing more than 325,000 people across the province.

20 NeW hOme & CONdO guide SWO | feb 16 - mar 2, 2013

020 News OHBA_JY-WK.indd 20 2/14/13 11:00:16 AM

from

per monthP&I*

believe you can have it all

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Affordable HomeOWNERSHIP Single family homes minutes from Toyota Manufacturing and 401

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401

403

*Limited time offer. $783.00 per month based at 2.5%, 5 year closed mortgage amortized over 25 years with 25% down payment on purchase price of $219,900. P&I only. Applicable to the price of the home and does not include upgrades. Please visit the sales center for details. Offer and conditions may be subject to change without notice. E. & O. E.

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21

021-Claysam-Devonshire 02-02-13.indd 21 2/13/13 3:25:10 PM

Canadians who are planning to save in 2013 are aiming to put away an average of $9,859 in order to meet their goals – an increase of nearly $600 over last year, or approximately seven per cent.

This is one of the findings of a new BMO Household Savings Report conducted by Pollara, which also revealed the different investment vehicles people plan to use to reach their savings goals:›› The majority of Canadians use a Regis-

tered Retirement Savings Plan (RRSP) or a chequing account (63 per cent and 57 per cent, respectively)

›› Half (49 per cent) use a Tax Free Savings Account (TFSA)

›› One-third (29 per cent) use a high-in-terest savings account

›› Another 25 per cent put their savings in Guar-anteed Investment Certificates (GICs)

“It’s encouraging to see Canadians are plan-ning to maintain or increase their per-sonal savings this year, particularly as we look to balance increasing debt loads and turn around decreasing rates of savings,” says Ernie Johannson, Senior Vice Presi-

i n t h e n e w s

save nearly $10,000in 2013

REPORT FIndS CAnAdIAnS

PlAn TO

dent, Personal Banking, BMO Bank of Montreal. “While it’s important to pay down debt – particularly high-interest debt – it’s essential that households build themselves a financial cushion as well, whether it be for retirement or other goals.”

Yet, despite the positive nature of the findings, the poll shows the optimism is tempered by the fact that only half (48 per cent) say they are saving enough to meet their goals, with high expenses (71 per cent), low income (65 per cent), and debt repayment (52 per cent) cited as the top barriers to increased savings.

The personal savings rate in Canada, calculated by Statistics Canada, currently lies near historic lows at 3.9 per cent. By comparison, the rate climbed above six per cent during the height of the latest recession, and reached almost 20 per cent in the early 1980s.

The report also identified the most common savings goals in 2013 among Canadians:›› Retirement savings and emergency savings tied for second (42 per cent

respectively) on the priority list›› nearly one-third of Canadians are putting aside money for home

renovations, while 20 per cent will be saving towards the purchase of a new vehicle

›› Education savings are on the priority list for 19 per cent of Canadians, followed by the purchase of a new home (15 per cent)

›› Vacations and the purchase of luxury items, entertainment and hobbies topped the list, with 66 per cent of Canadians putting cash away for these purchases

“It is sometimes difficult to balance financial priorities and responsibili-ties with spending on items and experiences we enjoy,” notes Johannson.

“However, given the economic realities, it is key that we don’t let the nice-to-dos overshadow our must-dos. Having a balanced savings ap-proach allows us to live for today while saving for our future goals.”

region gender

atl

$6,698

qc

$5,477

on

$10,465

ab

$18,035

mb/sk

$9,702

bc

$11,109

men

$11,631

women

$8,091

Planned savings for 2013 by region and gender

22 new home & condo guide swo | feB 16 - MaR 2, 2013

022-News savings report-bmo household savings report_JY-WK.indd 22 2/14/13 11:00:19 AM

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023-Baldwin Place 02-16-13.indd 23 2/13/13 3:25:15 PM

With the RRSP contRibution deadline juSt WeekS aWay, Scotiabank’s annual Investment Poll found that two-thirds of Canadians who plan to retire say their RRSPs will be their source of retirement funding (65 per cent), yet half of Canadians say they do not plan to contribute to their RRSPs this tax season (49 per cent).

“We want to encourage as many Canadians as possible to consider contributing to an RRSP and take advantage of this important investment opportunity as part of their overall financial plan,” says Mike Henry, senior vice-president, retail payment, deposits and lending, Scotiabank.

“It is a bit worrying that people might be relying on investments that they have yet to make. Even making small contributions every month or year can really help your plans down the line.”

In addition to their RRSPs, top sources of retirement funding for Canadians include their savings (60 per cent), the government (57 per cent), work pension (52 per cent) and selling their home (22 per cent).

Two-thirds of those who expect to retire say they are concerned about not having enough money to support their retirement (68 per cent).

Four in 10 of those who expect to retire in the future (41 per cent) think they will need less than $300,000 for their ideal retirement. Over the past five years, Canadians say they have saved an average of $24,469 (this is down from the $31,824 they reported saving over a five year period in 2011).

The study also found that four-in-10 Canadians who are currently saving for retirement (44 per cent) have been doing so for the past one to 10 years. As well, more people are setting aside less than $200 each month (43 per cent versus 34 per cent in 2011).

“As I like to tell my pre-retirement clients, there is no one dollar amount that you’ll need for your retirement as every person’s idea of retirement

t a x m a t t e r s

Canadians relying on RRSPs for retirement buT nOT nECESSARIly COnTRIbuTIng: SCotiabank Poll

is unique,” says bev Moir, senior wealth advisor, retirement planning at ScotiaM-cleod. “The key is to start investing early, invest regularly and stay invested. Having a financial plan in place to help you map out what you can do throughout the year is a simple way to stay on track and look forward to making that all-important RRSP contribution worry-free. From automatic contributions to your RRSPs to choosing financial products that help you save as you spend, a financial advisor can help you develop a plan to suit your lifestyle.”

Additional findings from the study found that while many Canadians say they are optimistic about the future of the Ca-nadian economy (46 per cent), a growing number of Canadians who have yet to retire say they have pushed back their planned retirement age because of the state of the economy (33 per cent versus 27 per cent in 2011).

The majority of those planning to hold off on retiring say they have pushed their retirement back by five to nine years (58 per cent). A smaller group of Canadians say they plan to push it back by 10 or more years (27 per cent).

24 new home & Condo guide Swo | feb 16 - mar 2, 2013

024 Tax Matters Scotiabank Poll_JY-WK.indd 24 2/14/13 11:00:22 AM

Two Model Homes Now Open!55 Chatfield St. IngersollMinutes North on Highway 19 (Harris St.) from Highway 401Saturdays & Sundays 1-5pm (or by appointment)

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t h e m o r t g a g e m i n u t e

IF YOU’RE A FIRST-TIME HOME-buyer, you’re hearing a lot of talk in the real estate market these days. Will prices go up? Will the market crash? Will I ever be able to afford a house? How will the new mortgage rule changes affect me? How will I ever pay off this debt?

It’s easy to get caught up in all the noise, but harder to separate the fact from the fi ction. As I edge closer to celebrating my fi rst half century on this planet, I fi nd myself using the

phrase “If I knew then…” more and more – which got me thinking about the next wave of fi rst-time homebuy-ers, and what pearls of wisdom I could bestow on them.

Time is your ally. Time can turn

any bad real estate decision into a

good one.

I had an interesting conversation with a colleague the other day regarding property values in Vancouver. He relayed me a story of a friend who had bought a house on the west side of Vancouver in the mid 1990s and it is now worth more than four times the amount he paid. In terms of equity, it was the equivalent of winning the lottery. We pondered the question, what will people be saying 20 to 25 years from now? Is it quite possible that a young 25-year-old couple today might look back in the year 2033 and say “If only we had bought that house back in 2013? Why didn’t we? Oh yeah, there were new mortgage rules and a lot of global uncertainty….”

here are a few things that i’ve learned about real estate1. Real estate has peaks and valleys, but there has never

been a future peak that is lower than the past one. Just give it time.

2. Time is your ally. Time can turn any bad real estate decision into a good one.

3. Equity is your safety net. It can supplement a pension and give you fi nancial options in later years.

4. Your mortgage is a forced savings program.

by PETER KINCH

mortgage smarts SEPARATING FACT FROM FICTION FOR FIRST-TIME BUYERS

26 New home & coNdo Guide Swo | fEb 16 - mAR 2, 2013

026-027 Peter Kinch Mortgage Minute-DN-WK.indd 26 2/14/13 11:00:25 AM

Peter Kinch is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan

Visit peterkinch.com or contact him at [email protected]

Your mortgage is paid off, and your house is worth more than the day you bought it – regardless of what

happened during the years in between.

So let’s assume that 20 to 25 years from now, you’ll be looking back and saying to yourself one of two things›› I’m sure glad I bought that first house, or›› I wish I had just bought something back in 2013

A lot of people are in this situation today and paralyzed by all the noise around them. And in the absence of facts or perspective, fear will take over. So what are the factors that are influencing your decisions today?

New mortgage rulesYes, there are new mortgage rules that have been implemented over the past few years, but in some respects, this could be to your advantage. Many first-time homebuyers are unaware that you can still buy a home with as little as five per cent down. The main rule change that impacts your ability to afford a home is that you can no longer access a 30-year amortization. Your payments will now be deter-mined based on you paying off that mortgage over a maximum 25-year period. Although this does make your payments a little higher in the beginning, it increases the amount of equity you build with each payment (remember your forced savings plan).

In addition, the rule changes imposed by the govern-ment have had the exact effect they were hoping to ac-complish, which was to slow what was becoming an over-

heated housing market. Again, this is to the advantage of first-time buyers because it will help to bring house prices back within your range.

Global uncertaintyThere is no doubt that we live in an age of global uncer-tainty and face the threat of financial chaos in Europe and a pending credit crisis in the U.S. However, this is not the first time our world has faced these challenges, and it won’t be the last. The key factor to look at is what you can control in your world. Ask yourself about your own employment options – your own employment future. The key to creating long-term wealth in real estate through equity is your ability to afford your monthly mortgage payments and making them consistently over a long period of time – regardless of what is happening on the other side of the world. If you do so, one day you’ll wake up and realize two things:1. Your mortgage is paid off, and2. Your house is worth more than the day you bought it

– regardless of what happened during the years in between.

So if you’re a first-time homebuyer in 2013, here’s my advice to you: create a budget that you can afford and be comfortable with. Buy a home that does not put a strain on your budget. Focus on taking baby steps and don’t get overwhelmed by the big picture. Make the monthly payments into that forced savings program called a mort-

gage, and then let time be your friend and real estate will do what it has done for many generations before – eventu-ally go up as your mortgage goes down – and that is what we call “creating equity.”

And then maybe, just maybe, as you’re about to cel-ebrate your first half century on this planet, you‘ll look back and say, “I’m glad I got started in 2013.”

fEb 16 - mAR 2, 2013 | New home & coNdo Guide Swo 27

026-027 Peter Kinch Mortgage Minute-DN-WK.indd 27 2/14/13 11:00:26 AM

Chinese Home & Condo Guide

KEN2 27715 Condo Guide Cover FA.indd 1

2013-01-15 3:40 PM

二月二日至三月十六日Feb 2 - Mar 16, 2013

蛇年運程 • 大多市各商場賀年活動 • 416 與 905 區之比試

2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM2013-01-15 3:40 PM

GTA Chinse Front Cover_020213 2.indd 1

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AncAsterBeAmsvilleBinBrookBrAntBrAntfordBurlingtoncAthArines grimsBy hAmiltonmilton

niAgArAoAkvillePArisPort doverst. cAthArinesstoney creekvinelAnd st.


sheethothamILton haLton nIagaRa

preview registrationeastforest homes simcoe | Woodway trails Single-detached homes on 45-ft.-wide lots, as well as semis. woodwaytrails.ca

adi development group Burlington | mod’rn condominium Register now for this four-storey condo in the heart of Burlington. adidevelopments.com

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

Branthaven homes Waterdown | the Portraits Coming soon, intimate collection of just 47 townhomes in a landscaped enclave. branthaven.com

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

toByn park homes Burlington | Parkcity Coming soon to Burlington – condos with a two-acre private park with landscaped walkways, green rolling hills and ground floor terraces. parkcityliving.ca

new openingsgreat gulf homes thorold | rolling meadows Model homes now open for this upcoming community of singles on 42- and 50-ft. lots from 1,845 to 3,035 sq. ft. greatgulf.com

menkes & fernBrook homes oakville | millstone on the Park Urban towns close to schools, shopping, major highways and more. millstonepark.ca

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

new horizon homes Brant county | royal highland estates Now under construction – custom bungalows on large estate lots. newhorizonhomes.ca

autumn lea developments Welland | silverwood manor Freehold bungalow townhomes with double-car garges and stylish designs – now under construction. 905.401.3610 or 905.321.5440

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

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

new releasesempire communities stoney creek | victory New release of 34-ft detached home designs, and 42-ft. homes coming soon. victoryempire.com

empire communities hamilton | summerlea New release of freehold townhomes to go along with 30-, 36- and 44-ft. detached homes. empirecommunities.com

Branthaven homes grimsby | Bravo by the lake Phase 2 lot release coming soon, in master-planned community of two- and three-storey lakeside townhomes. branthaven.com

countrygreen homes hamilton | West Bloom Premium lots available in this intimate enclave of 35 single-family homes. countrygreenhomes.com

Brookfield homes Brantford | grand valley trails New release of bungalow towns; also parkside singles and attached singles. brookfieldgrandvalley.ca

dicenzo homes niagara | Blueshores Final phase released – waterside living in luxury singles, attached singles and towns. blueshores.info

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

feb 16 - mar 2, 2013 | nEw homE & conDo gUIDE Swo 29

029 Sneak Previews HAMILTON_JY-WK.indd 29 2/14/13 12:14:44 PM

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030-031-SW Map-Hamilton.indd 28 2/14/13 2:13:27 PM

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ancaster rOseHaven HOmes Tiffany Hill • from $460's 37

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

Beamsville camBridge HOmes Brownstones at the Vineyards • from $246,900 38

Beamsville lOsani Discovery • from the $300's 49

Beamsville mOuntainview HOmes Hillside Estates • • • from $274,900 9

Binbrook lOsani The Fairgrounds • • • from the $300's 49

Binbrook lOsani Parkside • from the $200's 49

Brantford eastfOrest HOmes Vista Hills • from $389,990 39

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

Brantford BrOOkfield HOmes Grand Valley Trails • • • from $219,990 36

Burlington adi develOPment Mod'rn Condominium • from the $200's 51

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

caledon mOnarcH The Village of SouthFields • • from high $300's 54&55

chippawa rOseHaven HOmes Lyon's Creek • • from low $300's 37

east Hamilton lOsani Green Hill Glen • • • from the $270's 49

fonthill mOuntainview HOmes The Residences at Lookout • • from $315,900 9

georgetown menkes The Enclaves of Upper Canada • • from $409,990 41

grimsby BrantHaven HOmes Bravo! By the Lake • from $219,990 12

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

Hamilton emPire cOmmunities Summerlea • from $221,990 2&3

Hamilton new HOrizOn City Square • from $252,990 32

Hamilton sPallacci HOmes Eden Park • 33

Hamilton winzen Stoneridge • from the $300's 44

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

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

niagara falls mOuntainview HOmes Deerfield Estates • • from $224,900 9

niagara falls mOuntainview HOmes Fernwood • • from $202,900 9

niagara on the lake Bw HOmes Niagara on the Green • • • from low $200's 4

Oakville menkes Millstone • from $299,990 40

ridgeway mOuntainview HOmes Beaver Creek Estates • • from $283,900 9

st. catharines Bw HOmes Victoria Village • from $260,900 5

stoney creek BrantHaven HOmes Paramount • from $200,000 13

stoney creek emPire cOmmunities Victory • • from $276,990 2&3

thorold great gulf Thorold • from $307,990 78&79

thorold mOuntainview HOmes West Community • • • from $239,900 9

thorold rOseHaven HOmes Gibson Heights • • from $240,000's 37

welland autumn lea develOPments inc. Silverwood Manor • • from low $200's 45

welland mOuntainview HOmes Harvest Estates • • from $213,900 9

31

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32

032-New Horizon-City Square 02-16-13.indd 32 2/14/13 12:16:41 PM

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033-Spallacci 09-15-12.indd 33 2/13/13 3:25:58 PM

Affordability and a grand setting go hand in hand at Brookfield Homes’ master-planned community of Grand Valley Trails in Brantford. This is where first-time and move-up buyers can discover the home

of their dreams at prices that address both ends of the homebuying spec-trum. Homeowners can celebrate the good fortune they’ve discovered here at a spring event Saturday, March 31, with an egg hunt for the kids and light refreshments.

Along with affordability, is the increased value you’ll find at Grand Valley Trails. Entry-level prices begin at $209,990 for freehold homes of 1,050 to 1,830 sq. ft. built as attached singles, a breakthrough idea that offers single-family homes in every sense. Privacy and soundproofing is maintained as they are attached only at the garage. They enjoy all the other benefits of detached living including the ability to customize inte-rior colours and selections at Brookfield’s Inspiration Studio. The extensive list of features includes a generous backyard with direct access, and single- and double-car garages. Each of these attached singles will have a gourmet

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

Grand Valley Trails in Brantfordpresents the best

in the west for less

kitchen, luxurious ensuite and main or upper floor laundry. Two homes are under construction with July occupancy available. Right now, when you purchase an attached single, you will receive stainless steel appli-ances and air conditioning.

Attached single models such as the Niagara rival detached singles for design and space. At 1,830 sq. ft., it offers a three- or four-bedroom plan, including a master suite with walk-in closet. Its luxury ensuite includes a corner tub and separate shower. On the main floor, you’ll find a family room that spans the width of the home, a kitchen with a break-fast area, as well as a dining room, powder room and full laundry room. The garage offers

34 New home & coNdo guide Swo | feb 16 - mar 2, 2013

034-035 CF Brookfield_JY-WK.indd 34 2/14/13 11:00:29 AM

BRooKFieLd homeS Grand Valley Trails

a door to the home as well as access to the yard for the ultimate in convenience.

The Birch, at 1,295 sq. ft., is a smaller plan but with many of the same features including a master suite with walk-in closet and shared bath, and a main floor with spa-cious family room, kitchen and breakfast room, powder room and garage access to the home and the yard.

In addition, there are two collections of detached singles designed for 36- and 43-ft. lots with many that are extra deep for added privacy. Lots of these sizes are few and far between in the GTA, and yet they are standard fare at Grand Valley Trails where you’ll find a detached single of 1,300 sq. ft. with a double-car garage starting at $249,990. For those wanting to be as close to nature as possible, there is a limited release of parkside settings on 36- and 43-ft. lots with some offering walkout and lookout lots. These premium-priced lots offer placement along the creek, walk-ways and natural woodlots.

Be inspired by Brookfield’s three model homes, includ-ing two Energy Star qualified homes and the Stuart, a home dressed with Brookfield’s high level of standard features as it strives to educate homebuyers about the environmentally-conscious options available to them. Energy Star homes have been found to be about 30 per cent more energy efficient than homes built to standard construction codes.

For a limited time, every home at Grand Valley Trails includes nine-ft. ceilings on the main floor and granite counters – a great housewarming gift for those entering home ownership for the first time. Commuters recognize the value as well as the community’s proximity to Hwy. 403 for easy access to Hamilton, Kitchener-Waterloo and the GTA.

Grand Valley Trails offers a refreshing blend of natural tranquility and city living. Situated right along the Trans Canada Trail, you’ll discover over three hectares of green-space right within the community making it a grand place to live.

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rosehavenhomes.com • (1-888 / 416) 410-0175For directions, hours, community information, visit:

Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands.

Chippawa / Niagara - Lyon’s CreekConstruction well underway!

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

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37

037-Rosehaven Homes 02-02-13.indd 37 2/13/13 3:26:09 PM

Beamsville

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38

038-Cambridge Homes 02-16-13.indd 38 2/14/13 10:59:08 AM

BUY NOW and receive STAINLESS STEEL APPLIANCES! W

ilmot Line

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an Rd.

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Centre

401

401

8

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This is an artist’s depiction of the home and may vary from actual drawings. Plans and specifications are approximate and subject to change without notice. Actual usable floor space may vary from stated E

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in lieu of standard appliances. Limited time offer. See sales representative for details. E. & O.E.39

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Now under construction, Winzen is building boutique condominiums to offer lux-

urious style and substance for a care-free lifestyle with modern convenience and classic charm.

Located at 95 Wilson St., The Kensington stands at only three storeys high, creating an intimate collection of 39 condominiums, only minutes from the heart of old Ancaster. Ranging from 636 to 721 sq. ft., they are bright and airy with a touch of elegance, perfect for those looking to simplify their lives but not their tastes.

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

The Kensington in AncasterSHOWCASES WINZEN’S STYLE AND SUBSTANCE

With that in mind, the building amenities include an outdoor patio space, perfect for entertaining friends and family. Residents can look forward to spending summers under the gazebo, barbecuing or enjoying the lounge area.

An exterior of stone and brick complements the surrounding homes with a façade that resembles the estates you’ll find in this history community. Inside, each suite features nine-ft. ceilings with a California finish, a choice of plush 50-ounce broadloom or laminate flooring throughout the living spaces, with ceramics underfoot in the kitchen bathroom and foyer.

The open-concept design maintains an easy flow as the kitchen opens into the living/dining area. A breakfast bar is an essential aspect of the easy-living lifestyle at The Kensington. Maple and oak cabin-etry contributes a sense of simple elegance. There are four floorplans available with the larger suites offering a den. With Winzen’s Smart


042-043 CF Winzen_AY-WK.indd 42 2/14/13 12:14:53 PM

wiNZeN The Kensington

Home Wiring Package, the suites will come pre-wired with hook-ups for In-ternet, cable and phone. As a registered builder with Tarion Warranty Corp., Winzen guarantees each home it builds meets all building codes and standards while providing a comfortable and welcoming place to call home.

ancaster

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houSiNg type

905.575.7070 | winzen.ca

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95 Wilson St.

Ancaster enjoys a fabulous location along the Niagara Escarpment. It is conveniently located between Brantford and Hamilton and minutes from Hwy. 403, the LINC and McMaster University. The Kensington is just a short walk to grocery stores, banks and dining spots. It will enjoy the old world charm of downtown Ancaster with its picturesque shops, boutiques and services, while the Meadlowlands shopping centre and its retail offerings is a short drive away.

This enchanting town is home to an abundance of natural beauty. Offering a variety of recreational activities as well as an array of shopping and dining destinations, the town is as exciting as it is charming. With access to The Ancaster Rotary Centre, Morgan Firestone Arena and swimming pools, not to mention a short drive to Dundas Valley Conservation Area and direct access to the famous Bruce Trail, Ancaster offers year-round recreation for walkers, runners, hikers, cyclists, equestrians, cross-country skiers and snowshoers.

Winzen has been building quality homes in southern Ontario for more than 25 years and is dedicated to meeting the needs, wants and lifestyles of their homebuyers. a commitment to professionalism, quality workmanship and customer satisfaction is the Winzen promise while making their clients’ dream home a reality.


042-043 CF Winzen_AY-WK.indd 43 2/14/13 12:14:55 PM

Remax Escarpment Realty Inc.,Brokerage 24 hour pager 905-575-8101

winzen.caVisit our model home at:Stoneridge on Tiffany CreekMon. to Thurs. 3pm - 6pm, Fri. by appt.Sat., Sun. & Holidays 1pm - 5pm

Illustration is artist’s concept. *Prices and specifications subject to change withoutnotice. Pricing only on selected models and lots. E&OE. †See sales representativefor details. The ENERGY STAR® mark is administered and promoted in Canada byNatural Resources Canada. Used with permission.

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044-COM.indd 44 2/13/13 3:26:35 PM

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Renderings are artist’s concept.Prices, sizes and specifications to change without notice. E. & O.E. Map not to scale.Exclusive listing brokerage: Coldwell Banker Advantage Real Estate Inc. Brokerage: 905-788-3232

Webber Road

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Judging by population growth alone, Ancaster is the place to be. But there’s much more than that

to this thriving bedroom community adjacent to Hamilton. Its historical village of shops, pubs and restaurants and an abundance of recreational walking trails and scenic surroundings and even a tiny, treed roadway known as Lovers Lane make it a picture-per-fect community in which to live and raise a family.

Ancaster presents an intriguing di-chotomy that offers an old-town atmo-sphere that contrasts with new-home communities and substantial retail ser-vices wrapped within greenspace and

conservation lands. Ancaster is one of five other communities absorbed by the city of Hamilton in 2001. From 1970 to the present, the population has essen-tially doubled to 33,000. Even in 1823, Ancaster had the largest population in Upper Canada with 1,681 townspeople in comparison to Toronto’s 1,376 and Hamilton’s 1,000 residents.

Located on the Niagara escarp-ment, the former town offers a 200-year history of industry, agriculture and military. Ancaster was settled in the 1790s and played a role in the War of 1812. By the 1830s, Ancaster was the commercial centre for the area. In an age before electricity, Ancaster was

PoPulation

33,000Major eMPloyers

Manufacturing, health care, education, retailaverage hoMe Prices*

dec. 2012: $360,059 dec. 2011: $333,498Distance froM toronto

75 kilometres

Ancaster at a glance

Source Canadian Real Estate Association, other sources; *Hamilton-Burlington & District

c i t y f o c u s

AncasterA bedroom community with dream amenities for residentsby Wayne Karl

46 New Home & coNDo guiDe Swo | feb 16 - mar 2, 2013

046-047-048 City Focus-Ancaster_AY-WK.indd 46 2/14/13 12:15:01 PM

Fortunately, agriculture ensured Ancaster remained a vibrant community. Today, local markets such as Lindley’s Farm & Market and Carluke Orchards draw visitors to their seasonal outdoor events as well as to purchase locally grown fruits and vegetables. The Ancaster Fair remains a popular attraction each fall for farmers and visitors alike.

Ancaster’s population began to increase after the Second World War when subdivisions around the village were established. The population increased again with the completion of the Hamilton-Ancaster section of Hwy. 403 in 1968 and the introduction of sewer systems in 1974. True to history, An-caster offers the most growth of the five communities within Hamilton, and has double the growth rate of the province of Ontario. Ancaster’s population of very young is the fastest growing in Hamilton, a figure attributed to the family-oriented lifestyle and sense of community in this area. At the other end of the scale, there is also considerable growth in the population over 65 given the number of adult-lifestyle communities, retirement residences and long-term care facilities that have been built here.

The original farming community of Ancaster began its metamorphosis from old town to shiny new urban centre decades before amalgamation with a small-town atmosphere that drew families and caused a boom in home building and commercial development. Best known is The Meadowlands, a master-planned community of retail and service-oriented businesses designed to serve thousands of new homes that have been built in the past 20 years in the residential component across the road. At the junction of Hwy. 403, just moments from the QEW, and the Lincoln Alexander Pkwy., this prime position places residents within moments of downtown Hamilton and Burl-ington, Brantford and Stoney Creek. Commuters are a predominant part of the Ancaster population.

In addition to being at the crux of all of the region’s highways and byways, Ancaster is only moments from the John. C. Munro Hamilton International Airport, which is gaining popularity as an alternative to the busier airport in Toronto. Hamilton now has great links with low-cost air carriers to the rest of Canada as well as charter flights to a variety of destinations.

As part of the amalgamated city of Hamilton, Ancaster also has a labour force in flux with the downsizing and closure of a number of manufacturing operations. But, being a bedroom community, employment in Ancaster isn’t dependent on operations only within the town, but also the opportunities beyond. Residents of Ancaster can be found in the employ of Hamilton’s largest employer – Hamilton Health Sciences and the five hospitals under

able to tap an abundance of energy through its mills from streams and creeks within a break in the escarp-ment. It is located at the end of Mohawk Rd., which, in the 18th century, was one of the most impor-tant transportation routes in Upper Canada, making it a strong candidate for capital of Upper Canada. Unfor-tunately, transportation was key to economic success in those days. The Desjardins Canal was built in the rival village of Dundas giving lakers access and the railroad was introduced to Hamilton – both drawing industry away from Ancaster and ending its days as a commercial hub.

feb 16 - mar 2, 2013 | New Home & coNDo guiDe Swo 47


its umbrella. Other major employers include McMaster University and the public and separate school boards. While not the giants they were a decade or more ago, the manufac-turing sector and the steel industry remain prime employers in the Ham-ilton area. Ancaster’s retail sector is thriving with retail giants such as Costco, Walmart and The Home Depot and neighbouring retailers employing hundreds of individuals.

In terms of new-home devel-opments, builders such as Losani Homes, Homes by DeSantis, Rose-haven Homes, Branthaven, Starward, Landmart and Winzen have carved out community niches throughout Ancaster offering luxury townhomes and singles, along with adult-lifestyle options on a grand scale to meet the growing demand for well-adorned

Along much of the escarpment lies the Dundas Valley Conservati on Area, that protects part of the carolinian forestof southern ontario

homes in this area where comfortable living is sought after.The Niagara Escarpment and the Bruce Trail run through the community.

Ancaster serves as the location of the offi ces of the Hamilton Region Conser-vation Authority from scenic lands on Mineral Springs Rd. Waterfalls are a notable feature within these lands and include such popular hiking areas as Tiffany Falls. Along much of the escarpment lies the Dundas Valley Conser-vation Area, that protects part of the Carolinian forest of southern Ontario. Historic buildings, most notably the Old Town Hall (1871) and the Fieldcote Memorial Park and Museum, are local attractions in the old town.

Ancaster is also home to numerous golf courses including the Hamilton Golf and Country Club, host to the PGA tour in 2003 and 2006, and host of four Canadian Opens. It has been regarded as one of the top golf courses in Canada and ranks second on Canada’s list of best golf courses by Scoregolf magazine.

Recreation got an added boost to serve this growing community with the addition of the Ancaster Rotary Centre and Morgan Firestone Arena. It in-cludes a full-size gym, workout complex and meeting rooms. It is surrounded by the Robert E. Wade Park with four baseball diamonds and fi ve soccer fi elds. Nearby is the Lions Pool, an outdoor pool still enjoyed throughout the summer months.

for more than two centuries, people have been drawn to ancaster’s beauty and locati on and there are no signs of that slowing down now or in the future.

48 New Home & coNDo guiDe Swo | feb 16 - mar 2, 2013


losanihomes.com/readybuiltPrices, sizes and specifications are subject to change without notice. E.&O.E. *Minimum total deposit required before closing with flexible deposit structure. Ask Sales Representative for details. Certain conditions apply.

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Losani_InventoryAD_NHC_Jan29.pdf 1 30/01/13 12:24 PM

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FEBRUARY 22-24th, 2013New Ancaster Fairgrounds, 630 Trinity Rd at Hwy 2

th

Presented By:

3 2 n d A N N U A L

Come E

njoy...


050-Ancaster Home Show 02-02-13.indd 50 2/13/13 3:26:52 PM

N

LAKE ONTARIO

Upper Middle Rd.

Guel

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QEWHWY 403

HWY 407

QEW

PRESENTATIONCENTRE

Presentation Centre: 1284 Guelph Line, Burlington, Just north of the QEW south of Upper Middle Rd.

Monday - Thursday: 12 noon - 6 pm • Friday: Closed • Saturday, Sunday & Holidays: 12 noon - 5 pm

www.adidevelopments.com | 905-592-2144

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

L I M I T E D T I M E P R E - C O N S T R U C T I O N O F F E R *

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

Maintenance free for 12 monthsFree storage locker ($3000 value)

Free internet, phone & cable for 6 monthsThe success at Mod’rn continues! To make the final few 1 bdrm, 1 bdrm + den and 2 bdrm suites evenmore irresistable, we are offering you a 15% Extended Deposit Program plus these other incrediblevalue-added incentives. Act now before the final suites are sold!

in the heart of Burlingtonfrom the $200’s

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At ParkCity there will be plenty of spaces to enjoy and entertain that extend beyond your suite. Parkcity has two lounges and a partyroom to cater your private events. The amenities include Partyroom with billiards, lounge,private dining room and furnished outdoor patio.Prices, sizes and specifications are subject to change without notice E. & O.E.

Artist’s concept

lounge

REGISTER NOW PARKCITYliving.CaK N Y A r c h i t e c t s / U N I O N 3 1 I N T E R I O R S / I N 2 I T I O N R E A L T Y / T O O L B O X S T R A T E G I E S M A R K E T I N G

coming soon to burlington_

THeSocialSceneCondos FROM THE $180’s

ParkCity_NHC_Feb12.pdf 1 13-02-13 2:01 PM

053-Tobyn Park-ParkCity 02-16-13.indd 1 2/13/13 3:27:14 PM

STRAWBERRY FIELDS IS MAKING A SPLASH INTO THE VILLAGE OF SOUTHFIELDS.

MONARCHGROUP.NET Prices, speci� cations and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Square footage includes fi nished space in lower level. E.&O.E. Febraury 2013. 20561.

Like us on: facebook/monarchcorp

Follow us on:twitter @monarch_group

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

5 MODEL HOMES TO VIEW

ALWAYS HOME.

PRESENTATION CENTRE:12515 Kennedy Road Caledon, ON 905.843.0707

Dougall Rd.

Old School Rd.

Waterville Way

N

Kenn

edy

Rd.

Kenn

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Hea

rt L

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Rd.

Lear

mon

t Rd.

Hur

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wy.

10

Mayfield Rd.

PRESENTATIONCENTRE

Hw

y. 41

0

Hwy. 410Abbotside Way

43’ SINGLES• New designs and designs with lofts now available• Plans range from 1,943 to 3,971 sq. ft.• Superior features and finishes including hardwood on main level, coffered and vaulted ceiling, gourmet kitchen, luxurious ensuites and much more

• Brick exteriors featuring stone accents available• From the high $500,000’s

TWO STOREY TOWNHOMES• Up to 2,010* sq. ft.• Open concept two storey townhomes with 9’ ceilings on main level, extended upper cabinets, oak staircase, gas fireplace and more

• From the high $300,000’s

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MONH 20561 SF CAL NH&C SWO Feb 13.indd 1-2 13-02-13 3:56 PM

54

054-055-Monarch Homes 02-16-13.indd 54 2/14/13 10:59:11 AM

STRAWBERRY FIELDS IS MAKING A SPLASH INTO THE VILLAGE OF SOUTHFIELDS.

MONARCHGROUP.NET Prices, speci� cations and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Square footage includes fi nished space in lower level. E.&O.E. Febraury 2013. 20561.

Like us on: facebook/monarchcorp

Follow us on:twitter @monarch_group

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

5 MODEL HOMES TO VIEW

ALWAYS HOME.

PRESENTATION CENTRE:12515 Kennedy Road Caledon, ON 905.843.0707

Dougall Rd.

Old School Rd.

Waterville Way

N

Kenn

edy

Rd.

Kenn

edy

Rd.

Hea

rt L

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Rd.

Lear

mon

t Rd.

Hur

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t./ H

wy.

10

Mayfield Rd.

PRESENTATIONCENTRE

Hw

y. 41

0

Hwy. 410Abbotside Way

43’ SINGLES• New designs and designs with lofts now available• Plans range from 1,943 to 3,971 sq. ft.• Superior features and finishes including hardwood on main level, coffered and vaulted ceiling, gourmet kitchen, luxurious ensuites and much more

• Brick exteriors featuring stone accents available• From the high $500,000’s

TWO STOREY TOWNHOMES• Up to 2,010* sq. ft.• Open concept two storey townhomes with 9’ ceilings on main level, extended upper cabinets, oak staircase, gas fireplace and more

• From the high $300,000’s

COMMUNITYEXPERIENCE

LIKE NEVER BEFORE

MONARCHGROUP.NET

SOUTHFIELDS - TWO STOREY TOWNHOMESNEWSOUTHFIELDS - 43’ SINGLE - MORNING GLORY DESIGN

MONH 20561 SF CAL NH&C SWO Feb 13.indd 1-2 13-02-13 3:56 PM


054-055-Monarch Homes 02-16-13.indd 55 2/14/13 10:59:12 AM

H H H B A r e p o r t

Mathieu Langelier is Executive Officer of the HHHBA. He can be reached at

[email protected] or 905.575.3344.

THE CITY OF HAMILTON RELEASED ITSannual numbers regarding building permits re-cently, and reported record breaking � gures. The Hamilton-Halton Home Builders’ Associa-tion is very pleased and proud about the City of Hamilton’s new record of $1.5 billion worth of building permits issued in 2012. We would like to congratulate the City for breaking its previous record set in 2010, and look forward to working with our municipality to continue building a better Hamilton.

A RECORD BREAKING YEAR FOR HAMILTON

Positi ve numbers

in 2012

We are also pleased that the resi-dential construction industry ac-counted for nearly half of the $1.5 billion worth of building permits. We are proud that our industry generates more than 32,000 jobs in the Hamil-ton-Halton region, representing more than $1.6 billion in yearly wages. We provided a roof over the heads of close to 3,000 households in 2012 and con-sequently generated over $7.6 million in new tax revenues for the City. The 2012 numbers show that the residen-tial construction industry is one of the most important drivers of eco-nomic activity in the region.

This year already looks encourag-ing for our industry, with healthy market forecasts and coming off a great year in 2012. Anthony Chiarel-la, HHHBA president, stated, “We are excited to continue building a great Hamilton along with our City of� cials and staff and feel that Ham-ilton is in a great position for many positive years to come.”

by MATHIEU LANGELIER


056 HHHBA Report-DN-WK.indd 56 2/14/13 12:15:09 PM

preview registrationgemini homebuilders Guelph | The Highlands Coming soon – executive townhomes and semis – register today. geminihomes.ca

queensgate & losani homes Kitchener | Victoria Common Coming soon – carefree living condo suites and townhomes in downtown Kitchener-Waterloo. victoriacommon.ca

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new openingshasstown holdings Cambridge | The Grand Grand opening continues for these exciting new condominium residences on the Grand River. grandcondo.ca

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

fusion homes Waterloo | Vista Hills Premium home designs on 40- and 50-ft. lots in secluded community of Vista Hills. fusionhomes.com

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

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


sheethothaLton hILLS wELLIngton watERLoo

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new releasesreid’s heritage homes Fergus | Highland Hills Final building selling fast in this master-planed community of two- and three-bedroom condominium suites. reidsheritagehomes.com

gemini homebuilders Guelph | Creekside Already 30 per cent sold, these semis are at the heart of a community full of shops, schools and parks. Move-ins available for late summer or early fall. geminihomes.ca

monarch Kitchener | The poplar Designer decorated model home, 2,464 sq. ft. at $479,990. monarchgroup.net

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

williamsburg homes Kitchener | Eby Estates New release of 30-, 36- and 40-ft. lots in this established tree-lined community minutes from Hwy. 8, amenities and transit. williamsburghomes.ca

dunsire developments Kitchener | mill Creek Village Releasing Phase II – a fresh selection of townhome units with walkouts available, and save at Phase I pricing. millcreekvillage.ca

feb 16 - mar 2, 2013 | nEw homE & conDo gUIDE Swo 57

057 Sneak Previews WATERLOO_AY-WK.indd 57 2/14/13 12:15:13 PM

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058-059-SW Map-Waterloo.indd 18 2/14/13 1:56:53 PM

Location BuiLders sites Prices Pagesemi

condo

townhome

det.bunga

low

adult life

style

cambridge haastown holdinGs The Grand • from$209,900 63

collingwood reid's heritaGe hoMes Lora Bay • • • from$375,100 bc

Guelph melloul-blameyconstruction Serene Condos • from high $200's 67

kitchener branthaVen hoMes Joy • from the$240's 13

kitchener branthaVen hoMes Nestings • from the$400's 13

kitchener dunsire deVelopMents Mill Creek Village • from low$200's 65

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

kitchener losani Doon Creek • fromthe$300's 49

kitchener reid's heritaGe Eby Estates • from$339,900 61

kitchener terra View hoMes Edgewater Estates • from the $380's 60

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058-059-SW Map-Waterloo.indd 19 2/14/13 1:56:53 PM

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

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Following the tremendous success of Waterscape Phase 1, Haastown is now opening the second and fi nal phase of this exclusive condominium community.

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The Grand at Waterscape is a brand new 12 storey contemporary residence designed for


The Grand at Waterscape is a brand new 12 storey contemporary residence designed for Linger over a morning espresso on your balcony enjoying the spectacular view over the river. Linger over a morning espresso on your balcony enjoying the spectacular view over the river. $209,900

FROM

CAMBRIDGE

HAAS-GRA-A-AD-NHC-SW-OCT10-1.indd 1 12-10-10 3:53 PM

63

063-Haastown Holdings 10-13-12.indd 63 2/13/13 3:28:14 PM

t a x m a t t e r s

Retirement planning at the

click of a mouse: Canadians embraCe

diY investing

One in five Canadians nOw manage their investments the same way they make common lifestyle purchases: they go online. the td direct investing Poll found the majority of Canadians now book travel (60 per cent), research car pur-chases (59 per cent) and buy event tickets (58 per cent) online. many also enjoy the ease and convenience of the internet to manage their financial future, with 41 per cent researching investment options online and 22 per cent managing their invest-ments online. in addition, 13 per cent said they invest online more frequently than they did five years ago.

“self-directed investing is a great way to plan and manage your retirement nest-egg

– and it’s never too early to start planning for your golden years,” says rowena Chan, vice-president, td direct investing. “there is a wide variety of innovative tools and re-sources available to support investors in their long-term strategies and help them make informed decisions. that’s one of the reasons we recently changed our name to td direct investing from td Waterhouse discount brokerage – to reflect that our services enable investors to personally nav-igate the markets, and help them become confident and successful investors.”

Going online to maximize your timeWhen you’re busy, you look for ways to make the best use of the limited hours in the day, and cut down unnecessary activi-ties. the poll found that Canadians who perform tasks online rather than the tradi-tional way, say the greatest benefits are: saving time (82 per cent), doing things on their own timeline (75 per cent) and having access to lots of information (55 per cent).

There is a wide variety of innovative tools and re-

sources available to support investors in their long-term

strategies and help them make informed decisions.

Continued on Page 66. . .


064-066 Tax Matters TD Poll_JY-WK.indd 64 2/14/13 12:15:18 PM

www.millcreekvillage .ca

MORTGAGE ADMIN. NUM. 11955

A NEw hOME cOMMUNITy bROUGhT TO yOU by

MarshallZehr

DEvElOpMENT fINANcING by

Rendering is artist’s concept and is subject to change. Illustration may show optional features which may not be included. Landscaped areas are concept only. See Sales Representative for more information. *Based on 5% down at 2.90%. Pricing subject to change without notice. E. & O. E.

Dunsire

Mill Creek Village Branding

COLOUR VARIATIONS

Original

BLACK & WHITE

REVERSE

solid dragonfly transparent dragonfly

PANTONE

CMYKBLACK AND WHITE

COLOUR BACKGROUND

INVERTED

OTHER OPTIONS

MCV_Logo.ai

FINAL LOGO VARIATIONSN/AFebruary 2012

x

xx

xx

x

FINAL LOGO: ACCEPTABLE FORMATS FOR USAGEOPTIONS AVAILABLE COLOUR SPECS

more of a of amore of amore

Mill creek village is releasing PHase ii

Sales Centre: Mon-Wed: 4-8pm Weekends: 1-5pm Holidays: Closed1.888.519.2346

ENJOY A fresh selection Of UNITS WITH WalK oUt lots AVAILABLE, AND SAVE WITH phase i pricing. mODELS UNDEr cONSTrUcTION WITH occUpancy 2013.

from the loW $200’s oWn from $1084*/MtH P.&I.

HWY 7

Ottawa St.

Hom

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Cou

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Block Line Rd.Fairway Rd.

Bleams Rd.

Man

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Dr.

KITCHENER

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65

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“even with everything Canadians have on the go, it’s essential to prioritize planning and saving for retirement. the earlier you start, and make it a part of your lifestyle, the easier it will be to accumulate your re-tirement savings. there are many benefits to managing your own investments – includ-ing the ability to view and make changes to your portfolio where and when it’s conve-nient for you – you have power and control over investing for your financial future.”

With the start of a new year, many are open to trying new things to improve their lifestyle. With the march 1, 2013 rsP deadline just around the corner, Chan offers some tips and online resources that can help you get started and meet your financial goals:

decide what you want, and how you’ll get there: there are helpful tools online such as cal-culators that will help determine what you need to save for retirement. there is also a variety of research resources online includ-ing articles, webinars and online videos.

“When you’re familiar with the invest-ment products available and how they can fit within your portfolio and your retire-ment savings strategy, you can feel confi-dent that you’re making informed deci-sions,” says Chan.

Make your financial future a priority:it’s important to invest the time to research, determine your strategy and get comfort-able with the different products and plat-forms at your disposal, especially if you’re a new investor. this will give you greater control and flexibility to manage your port-folio when and where it’s convenient for you, either at home, at work, or on the go with the td mobile app.

“When you invest online, you control your portfolio, and you still have access to tools and resources, so you can be confi-

dent you are taking the right steps towards a comfortable retirement,” says Chan.

start slowly, then work your way up at your own pace:You can start by moving one or a few of your investments online until you’re familiar with the platform and tools. When you’re com-fortable, you can use direct investing to more actively control your entire portfolio.

“there is a variety of online resources and platforms available, tailored to investors at any level, from new investors, to experienced and active traders,” adds Chan. “if you have questions, we have 24/7 support available online and by phone, as well as in-person support in our 33 investor centres.”

t a x m a t t e r s | C o n t i n u e d


064-066 Tax Matters TD Poll_JY-WK.indd 66 2/14/13 12:15:19 PM

Model & Sales Centre: 1340 Gordon St. at Arkell Rd. · Mon-Thurs 1-7pm Weekends 12-5pm · 519-827-2111 · serenecondos.ca

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• Parkingandlockerincluded

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CONDOMINIUMMARKET LOCATION

AVERAGE PRICE PER

SQUARE FOOT

LIST PRICE (900 SQ. FT. SUITE)

COST SAVINGS IFCHOOSING SERENE

Serene in Guelph $370 $324,900

KW $390 $349,900 $25,000

Burlington $399 $358,900 $34,000

Mississauga $448 $401,500 $76,600

Oakville $489 $429,900 $105,000

SALESOFFICE

SITE

MILTONTake Exit 299

Broc

k Rd

.

G

ordo

n St

.Br

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Rd.

Gor

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St.

Broc

k Rd

.

G

ordo

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.Arkell Rd.

GUELPH

6

6

401

QEW

BURLINGTON OAKVILLE

** Based on comparable market analysis executed January 2013. E. & O. E. Accurate at time of print

Get more at Serene in Guelph from the high $200’s

C H A N G I N G T H E C O N D O L A N D S C A P EC O N D O M I N I U M S

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067-Serene Condos 02-16-13.indd 67 2/13/13 3:28:35 PM

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HOMEbUyERS’resourCe seCtioN

yOU LOVE THE HOME, SEE WHAT yOU CAN AFFORd!

Compare mortgage rates for your best deal

Calculate your mortgage payments using themortgage payment calculation chart

h o m e b u y e r s ’ h e l p

FEB 16 - MAR 2, 2013 | New Home & CoNDo guiDe swo 69

069_072-073-074TO UPDATE Homebuyers Resource-DN.indd 69 2/14/13 1:33:52 PM


INSIDE THIS ISSUE

SUPPLY & DEMANDIN NEW HOMES

NETWORK WISELY WHENSHOPPING FOR A HOME

MORTGAGES: SEPARATING FACT FROM FICTION

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GRAND OPENING in NORTH YORK

tridel.comtridel.com

GRAND OPENINGFEBRUARY 16TH & 17TH

The next great phase of Atria Adjacent to the proposed Sheppard East LRT line

A 23-storey glass residence offering commuters the ultimate in convenience.

The success of Atria continues with TRIO – the newest address in this North York community. This 23-storey glass residence offers commuters the ultimate in convenience with its prime location along the proposed Sheppard East LRT** line.

PRICESSTARTING

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CONTACTUS

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[email protected]

Parking Included

*Prices and specifications are subject to change without notice. Illustrations are artist’s concept only. **Source: The City of Toronto Official Plan and the Agincourt Secondary Plan, a future bus and subway terminal or other transit related uses are proposed for this location. Building and view not to scale. Any retail uses will not be complete or available for use at the time of occupancy. Map not to scale. Tridel®, Tridel Built for Life®, Tridel Built Green. Built for Life.® are registered trademarks of Tridel and used under license. ©Tridel 2013. All rights reserved. E.&O.E. February 2013.

Facebook.com/Tridel Twitter.com/Tridel

A Tridel Built Green. Built for Life.® community.

PRESENTATION CENTRE:2255 Sheppard Ave. E., Unit 120North York, M2J 4Y1

REGISTER

BC FC FOLDOUTTRI 20245 TRIO CondoGuide 5PG Gatefold Cover FEB 13.indd 2 13-01-30 5:35 PM

February 9 - 23, 2013 Volume 17 Issue 03

inside this issue

HOW IMPORTANT IS LOCATION?

NEW HOME PURCHASES AND THE HST

HOW TO CREATE A STYLISH HOME OFFICE

CG_Cvr_Feb9.indd 1 2/4/13 3:51:04 PM


INSIDE THIS ISSUE

MORTGAGES: SEPARATINGFACT FROM FICTION

HAMILTON SETS RECORDFOR HOME BUILDING

DREAM AMENITIESIN ANCASTER

SEPARATING FACTFROM FICTION

416 OR 905Which area

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ONTARIO’S MOST-READ NEW HOMES GROUP

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WHEN SHOULD YOU SPRINGFOR BUILDER UPGRADES?

12 STEPS TO GETTINGFINANCIALLY ORGANIZED

WHY NOW IS A GOOD TIME TO BUY A HOME

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JANUARY 12 - 26, 2010 | NEW HOMES SOUTHWESTERN ONTARIO 107

WE ARE THE LARGEST MAGAZINE DISTRIBUTION SYSTEM IN ONTARIO.

Please recycle our magazines! Trader Corporation participates in the Partner’s In Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over two million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

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CaLCuLate Your MORTGAGE PAyMENTS

01Calculate the combined monthly before-tax income

of you and your spouse.

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

to make on your home.

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

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

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

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

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

Divide by 1,000.

06Add to this your estimated monthly heating costs and

monthly property taxes.

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

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

CHART FIGURE MORTGAGE AMOUNT÷ 1,000

INTEREST RATE MONTHLy PAyMENT

eXampLe: 5% 25 Years 5.82(MORTGAGE AMOUNT $125,000)

125 $

AMORTIZATION PERIOd

FOLLOW THESE STEPS TO SEE IF yOU’LL QUALIFyFOR A MORTGAGE ON Your Dream Home

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

72 New Home & CoNDo guiDe swo | FEB 16 - MAR 2, 2013


3.00% 9.65 6.90 5.54 4.73

3.25% 9.76 7.02 5.66 4.86

3.50% 9.88 7.14 5.79 4.99

3.75% 9.99 7.26 5.91 5.13

4.00% 10.11 7.38 6.04 5.26

4.25% 10.23 7.50 6.17 5.40

4.50% 10.34 7.63 6.30 5.53

4.75% 10.46 7.75 6.44 5.67

5.00% 10.58 7.88 6.57 5.82

5.25% 10.70 8.01 6.74 5.96

5.50% 10.82 8.14 6.85 6.10

5.75% 10.94 8.27 6.98 6.25

6.00% 11.07 8.40 7.12 6.40

6.25% 11.19 8.53 7.26 6.55

6.50% 11.31 8.66 7.41 6.70

6.75% 11.43 8.80 7.55 6.85

7.00% 11.56 8.93 7.69 7.00

7.25% 11.68 9.07 7.84 7.16

7.50% 11.81 9.21 7.99 7.32

7.75% 11.94 9.34 8.14 7.47

8.00% 12.06 9.48 8.28 7.63

8.25% 12.19 9.62 8.44 7.79

8.50% 12.32 9.76 8.59 7.95

8.75% 12.45 9.90 8.74 8.12

9.00% 12.58 10.05 8.86 8.28

9.25% 12.71 10.19 9.05 8.45

9.50% 12.84 10.33 9.20 8.62

9.75% 12.97 10.48 9.36 8.78

10.00% 13.10 10.63 9.52 8.95

10.25% 13.24 10.77 9.68 9.12

10.50% 13.37 10.92 9.84 9.29

10.75% 13.50 11.06 10.00 9.46

11.00% 13.64 11.22 10.16 9.63

11.25% 13.77 11.36 10.32 9.80

11.50% 13.91 11.52 10.49 9.97

11.75% 14.04 11.66 10.65 10.15

12.00% 14.18 11.82 10.81 10.32

12.25% 14.32 11.97 10.98 10.49

12.50% 14.46 12.13 11.15 10.67

12.75% 14.59 12.28 11.31 10.85

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

mortgage paYmeNt CALCULATION CHART

AMORTIZATION PERIOdSiNterest

rates10

Years15

Years20

Years25

Years

%

FEB 16 - MAR 2, 2013 | New Home & CoNDo guiDe swo 73


ATB Financial 3 4 3.1 3.14 3.7 4.39 3.19 6.30op 6.30op 6.50op

Alterna Svgs/Alterna Bk 3 4 3.05 3.09 3.09 3.29 3.24 6.30op 6.30op

Bank of Montreal 3.1 4 3 3.04 2.79 2.99 3.09 6.30op 6.30op

Bank of Nova Scotia 3 4.55 3.75 3.89 2.79 4.39 3.99 6.45op 6.50op

Canadian Western Bank 4 3.1 3.14 3.7 4.64 5.24 6.45op 6.30op

CIBC 3.2 3 3.14 3.5 4.39 5.24 6.70op 6.35op

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

ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 3.44

ING Direct 3 3 3 2.79 3.25 3.08

Laurentian Bank n/a 4.4 3.09 3.14 3.7 3.64 3.79 6.70op 6.30op

Manulife Bank 3 4.45 3 3.05 3.1 3.1 3.09 4.00op

MonCana Bank 2.94 2.94 2.94 2.99 3.04

National Bank n/a 4 3.1 3.14 3.7 3.19 3.79 6.70op 6.30op

President’s Choice Finan 3.2 3.2 3.24 3.35 3.44

Royal Bank 3.2 4 3 3.04 2.99 4.64 3.29 6.30op 6.30op

TD Canada Trust 3.2 3 3.04 2.79 2.99 3.19 6.30op

TRUST COMPANIES

AGF Trust n/a 2.99 3.1 3.5 3.64 3.14

Community Trust n/a 6.5 3.1 3.35 3.95 4.64 5.24

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

Home Trust Company 3.2 3.95 2.74 2.69 2.89 3.15 2.99

Investors Group Trust n/a 4 3 3.14 3.65 4.64 5.24 6.50op 6.30op

MTCC 3 4.55 3.75 3.89 2.79 4.39 3.99 6.45op 6.50op

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U. 4 2.99 3.25 3.29 3.09 3.49 6.25op

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

First National Fin. LP 3.95 2.74 2.69 2.79 2.99 3.09

FirstOntario C.U. 2.79 3.09 3.19 3.24 3.29 3.24 6.34op 6.34op

London Life n/a 4 3 3.14 3.65 4.64 5.24 6.50op 6.30op

MCAP 2.9 3.6 3.95 4.35 4.89 5.24 7.00op

Meridian Credit Union 2.85 4.45 3.1 3.14 3.7 3.4 3.19 6.30op

Parama Credit Union 2.9 3.1 3.15 3.15 3.25 3.5

Steinbach Credit Union 2.5 2.5 2.6 2.8 2.9 3.1

Teachers Credit Union 4 4.45 3.05 3.15 2.79 3.89 3.29 6.30op 6.50op

Compare mortgage rates FOR yOUR bEST dEALCHartereD BaNKs Variable 6 months 1 Year 2 years 3 years 4 years 5 years

Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice.R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLEFeb. 11, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

74 New Home & CoNDo guiDe swo | FEB 16 - MAR 2, 2013


h o t d a t e s

feb. 22 - 24

London Boat, Fishing & Leisure Show WESTERN FAIR DISTRICT LONDON

be one of the thousands to experi-ence the latest and greatest to be seen in the worlds of boating, fishing and leisure by attending the London boat, fishing and Leisure Show! See boats from small to large, every type of tackle and pole as well as just about any product associated with you outdoor leisure time

boatcottagefishingshow.com

feb. 24 - March 2

Oakville Art Society Annual Art AuctionOAKVILLE LIBRARY 120 NAVY ST., OAKVILLESilent & Live art auctions. Take home an original work of art. Juried event supports the work of the Oakville art Society. Paintings, fibre, ceramics, photography, jewelry and woodworking.

oakvilleartsociety.com

March 1 - 2

Cuvee GalaFALLSVIEW CASINO RESORT NIAGARA FALLSSample Ontario wine, experience live cooking stations, visit Icewine and Sparkling Wine bars and dance the night away at the après cuvée party.

905.684.8688

March 2 - 31

Annual Maple Syrup Festival BRONTE CREEK PROVINCIAL PARK 1219 BURLOAK DR., OAKVILLE

each weekend in March and during March break, experience a tradi-tional Maple festival-Victorian style, with guided tours, wagon rides, pan-cakes, farm animals, heritage home-stead, gift shoppe, museum, fresh maple sugar and taffy on snow.

brontecreek.org

Feb. 16 to March 2Calendar of events

beginning from Feb. 16 to

March 2, 2013

Feb 16 - mAr 2, 2013 | New hoMe & coNdo guide Swo 75

075 Hot Dates_JY-WK.indd 75 2/14/13 11:00:37 AM

advertiserindexadi development: Mod’rn Condominium 51

ancaster fall home show 50

Bayview wellington: Niagara-on-the-Green 4

Bayview wellington: Victoria Village 5

Branthaven homes: Bravo! by the Lake 12

Branthaven homes: Multi-site 13

Brookfield homes: Grand Valley Trails 36

camBridge homes: Brownstones 38

claysam homes: Neighbourhoods of Devonshire 21

country green homes: West Bloom 7

dunsire developments: Mill Creek Village 65

eastforest homes: Vista Hills 39

empire communities: Multi-site 2 & 3

geranium homes: Woods at Sally Creek 16 & 17

great gulf: Thorold 78 & 79

haastown holdings: The Grand 63

homes By desantis: Lincoln Square 11

losani homes: Multi-site 49

mattamy homes: Wildflowers 6

melloul-Blamey construction: Serene Condos 67

menkes developments: Millstone on the Park 40

menkes developments: Enclaves of Upper Canada 41

monarch: Strawberry Fields 54 & 55

mountainview homes: Corporate 9

new horizon: City Square 32

reid’s heritage: Eby Estates 61

reid’s heritage: Lora Bay BC

rosehaven homes: Multi-site 37

sifton properties: Harris View 25

silvestri invest.: Cityview Terraces & Harvest Glen 45

spallacci homes: Eden Park 33

terra view homes: Edgewater Estates 60

tillsonBurg developments: Baldwin Place 23

toByn park homes: ParkCity 53

welcome wagon wedding show 52

winzen: Stoneridge and The Kensington 44

76 new home & condo guide swo | feb 16 - mar 2, 2013

076 Advertisers index_JY-WK.indd 76 2/14/13 12:15:24 PM

MARCH 2013 IS JUST AROUND THE CORNER, AND with that comes the � rst of Target Corp.’s approximately 125 store openings in Canada. The U.S. retail giant an-nounced in 2011 it is moving north with its $1.8-billion acquisition of up to 200 Zellers store leases.

Most of the initial openings are to come from renovat-ing previous Zellers locations, requiring an investment of $1 billion and creating thousands of new jobs. But, im-portantly, Target does not rule out “green� eld” expansion

– building completely new stores from the ground up to its own speci� cations.

For homeowners and prospec-tive homebuyers, this is all a very good reason to pay attention, as experts say it will change Canada’s retail landscape forever. Such major retail developments are also a signi� cant in� uence on land development and housing.

When the likes of Target, Walmart, RONA and other major players set up shop, particularly in

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

Wayne Karl is an award-winning writer and editor with experience in real estate and

business. In Fundamentally Speaking, Wayne explores the basics – such as economic

fundamentals – you need to examine when buying property. He can be reached at

[email protected] or follow him on Twitt er at Twitt er.com/WayneKarl

to see if your neighbourhood may be on the upswing

Watch the changing retail landscape

by WAYNE KARL

a new location, it’s a good sign an area could be on the upswing.

Like proximity to mass transit, schools and other amenities, being close to shopping is a major attraction for builders and, of course, prospec-tive homebuyers. These features are among the key determining factors to enjoying your home while you live there, as well as for potential resale value in the future.

Large retailers and commercial ventures don’t just pop up in the middle of nowhere or in declining neighbour-hoods. They make careful, long-range and well planned-out decisions in lock-step with municipalities and develop-ers, based on hard data, research and demographic information.

This is why major retail expansion is good news: it’s an indicator the economy continues to strengthen; and, for those looking to buy a home, it’s a sign to look out for new or ex-panding neighbourhoods and solid buying opportunities.

Such retail developments, com-bined with the associated employment gains and economic and infrastruc-ture improvements, point to new and expanding homebuying options.

So, while you’re out there looking for your new home, look around for the big box stores. If they see a bright future for your prospective neighbor-hood, chances are it will make a sound buying decision for you.

Large retailers and commercial ventures

don’t just pop up in the middle of nowhere or in

declining neighbourhoods.


077 Big Box Retailers-DN-WK.indd 77 2/13/13 1:46:43 PM

SAVE $25,000GREAT GULF HOMES IN THOROLD NIAGARA

FROM $307,9901,845 -2,305 SQ.FT.

VISIT OUR PRESENTATION CENTRE

CLOSE IN 120 DAYS

SALEPRICE:

$307990

The Brock SQ.FT: 1,845

CURRENT PRICE: $332990

ROLLING MEADOWS

DETACHED HOMES42 FT. LOTS

The NiagaraSQ.FT: 2,015

SALE PRICE:

$312990

CURRENT PRICE:

$337990The Escarpment

SQ.FT: 2,165

SALE PRICE:

$319990

CURRENT PRICE:

$344990The ErieSQ.FT: 2,305

SALE PRICE:

$327990

CURRENT PRICE:

$352990

*$15,000 in upgrades on 42’ lots and $20,000 on 50’ lots. Linked below grade. See sales representative for details. Prices, sizes and specifications subject to change without notice. E. & O.E. Illustration is artist’s impression. All square footages are approximate. Actual usable space varies from stated floor area.

GREATGULF.COM /THOROLD

MODEL HOMES NOW OPEN42' AND 50' LOTS 1,845 – 3,095 SQ. FT. FROM $307,990

Up to$20,000 in upgrades*

SALES OFFICE & MODEL HOMESADDRESS: 1 Sunset Way off Barker Parkway and Hwy. 58 HOURS: Mon-Wed, 2pm-7pm

Thur & Fri, Closed Sat & Sun, 12pm-5pm

PHONE: 905.680.0841 • Model homes close 30 minutes prior to sales centre

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Master Bedroom15'6"(21'0") x 12'2"

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Raised Ceiling

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Family Room18'1" x 12'0"

Breakfast11'9" x 10'0"

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Door only if gradingPermits additionalSteps may be required

Door only If gradingPermits

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Lin W.I.C.

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Bedroom 214'7" x 10'6"(11'4")

Bedroom 312'0" x 11'0"


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W.I.C.

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6.

42' FEATURES 1. Beautiful light filled homes

2. Oversized windows

3. Breakfast areas

4. Gourmet kitchens

5. Two car garage

6. Spacious family rooms

7. Large ensuites

8. Standard skylights


078-079-Great Gulf-Thorold 01-19-13.indd 78 2/13/13 12:34:21 PM

SAVE $25,000GREAT GULF HOMES IN THOROLD NIAGARA

FROM $307,9901,845 -2,305 SQ.FT.

VISIT OUR PRESENTATION CENTRE

CLOSE IN 120 DAYS

SALEPRICE:

$307990

The Brock SQ.FT: 1,845

CURRENT PRICE: $332990

ROLLING MEADOWS

DETACHED HOMES42 FT. LOTS

The NiagaraSQ.FT: 2,015

SALE PRICE:

$312990

CURRENT PRICE:

$337990The Escarpment

SQ.FT: 2,165

SALE PRICE:

$319990

CURRENT PRICE:

$344990The ErieSQ.FT: 2,305

SALE PRICE:

$327990

CURRENT PRICE:

$352990

*$15,000 in upgrades on 42’ lots and $20,000 on 50’ lots. Linked below grade. See sales representative for details. Prices, sizes and specifications subject to change without notice. E. & O.E. Illustration is artist’s impression. All square footages are approximate. Actual usable space varies from stated floor area.

GREATGULF.COM /THOROLD

MODEL HOMES NOW OPEN42' AND 50' LOTS 1,845 – 3,095 SQ. FT. FROM $307,990

Up to$20,000 in upgrades*

SALES OFFICE & MODEL HOMESADDRESS: 1 Sunset Way off Barker Parkway and Hwy. 58 HOURS: Mon-Wed, 2pm-7pm

Thur & Fri, Closed Sat & Sun, 12pm-5pm

PHONE: 905.680.0841 • Model homes close 30 minutes prior to sales centre

QEW

HW

Y. 4

06

HW

Y. 5

8

HWY. 20

Beaverdams Rd.

QEW

N

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CL

CL

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Bedroom 312'0" x 11'0"

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Bedroom 312'0" x 11'0"


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Oval tub

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Raised Ceiling

W.I.C.


SlopedUp



Bedroom 49'0" x 10'4"

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Garage18'3" x 22'2"



Dn

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Ledge

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7.

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Bedroom 312'0" x 11'0"

Raised Ceiling

W.I.C.

W.I.C.

Dn

Lin W.I.C.

Bath 2

Bedroom 214'7" x 10'6"(11'4")

Bedroom 312'0" x 11'0"


Ensuite

Oval tub

SH

W.I.C.

Raised Ceiling

W.I.C.


SlopedUp



Bedroom 49'0" x 10'4"

Railing

W.I.C.

Railing

Tiled ledge

Opt. Linen closets

CoveredPorch

Garage18'3" x 22'2"



Dn

Up




Railing


Ledge

Opt. Skylights

PWD


F

Dw

S

Breakfast bar


Up

PatioDoor

Laundry

D

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Opt. U

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P

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UnfinishedBasement


Up

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Sump

HWT

Furn


Low Headroom

Alt.Sump


HWT

Furn


Low Headroom

Alt.Sump

Sump

UnfinishedBasement


Up

Unexcavated

2.

1.

3.

4.

5.

6.

42' FEATURES 1. Beautiful light filled homes

2. Oversized windows

3. Breakfast areas

4. Gourmet kitchens

5. Two car garage

6. Spacious family rooms

7. Large ensuites

8. Standard skylights

078-079-Great Gulf-Thorold 01-19-13.indd 79 2/14/13 2:45:16 PM

www.lorabay.com

LIFE IS GOOD. THIS IS BETTER.

You’ll Love the Backyard. On the sparkling shores of Georgian Bay,

you’ll find a warm, welcoming community

like no other – Lora Bay. You’ll feel that this is

life as it was meant to be lived. Relaxed when

you want it to be. Invigorating when

you want it to be. Social when

you want it to be. They say

there are only three things

to consider when purchasing

real estate – location, location,

location. Lora Bay offers you a

prime location in the centre of a four-

season playground. Just minute’s from

Ontario’s finest ski hills, there’s snowshoeing,

cross country skiing,

hiking, snowmobiling,

boating, swimming,

biking, golf on an award

winning Tom Lehman/Thomas McBroom-

designed 18-hole championship golf course,

or just the peace and quiet of an exquisite

country afternoon. You’ll find all this and

more at Lora Bay. Not just a

development, Lora Bay is a

community in the truest

sense of the word – where

neighbours get to know

one another, and where

social activities are abound – yet

simple relaxation is always

an option. Experience life in

Lora Bay. A life of spectacular

views. Elegant, finely crafted

homes. And wonderful, down-to-earth

people who share your desire for the good life.

Learn more today by visiting lorabay.com

you want it to be. Invigorating when

real estate – location, location,

location. Lora Bay offers you a

more at Lora Bay. Not just a

development, Lora Bay is a

social activities are abound – yet

Ontario’s finest ski hills, there’s snowshoeing,

cross country skiing,

biking, golf on an award

⇢ ⇢ CYAN ⇢ ⇢ MAGENTA ⇢ ⇢ YELLOW ⇢ ⇢ BLACK

CLIENT: LORA BAY (LB) TRIM: 7.5” x 10.5” BUILD DATE: JAN 11/2013 GALLEY NUMBER PASS NUMBER

FILE NAME: 059_LB_NewHomes_YLTB_FPAd_winter.indd LIVE: 6.75” X 9.75” DESIGNER: ERIC

AD CODE: LB-4CFP-NEWHOMES-011113 BLEED: NA REV DATE:

JOB NUMBER: LB-059-2013-NEWHOMES_AD_W FOLDS: N/A REVISED BY: PROOFREAD BY CLIENT

DESCRIPTION: FP AD (New Homes & Condo Guide) COLOUR CMYK FORMAT: PRINT AD

APPROVED BY: CREATIVE DIRECTOR _______________ ACCOUNT TEAM ___________________ STUDIO _________________

11GREG

ESAPBP

243 QUEEN ST. W, 2ND FLOOR TORONTO, ONTARIO M5V 1Z4

(T) 417-572-3913, 416-572-3908

www.oryxadvertising.com

080-Reids Heritage-Lora Bay 01-19-13.indd 1 2/14/13 2:44:48 PM

Documents

Southwestern Ontario New Home & Condo Guide - February 16, 2013