Your First Home & Condo - Spring 2016

SPRING 2016, FREE

6 USEFUL TIPS FORFIRST-TIMEBUYERS

SPECIAL EDITION

4 MARKETS TO EXPLORE IN…SOUTHWESTERN ONTARIO

CONDO LIVINGFOR NEW FAMILIES

+

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SHEL-SPI-A-AD-YOURFIRSTHOME-JAN13-2.indd 1 1/28/16 2:51 PM

Get Social with us:

Danforth & Danforth

3194 Danforth Ave

OWN IT LOVE IT10% DOWN*

Get the full SPICE story now

SpiceOnDanforth.com416.932.3443

Sales Office Hours: Mon - Thurs 12 - 7pm, Friday by appointment, Weekends 11am - 5pm

• 1 & 2 Storey homes -739 sq.ft. up to 1,029 sq.ft.• 2 Bedroom + Den & 3 Bedroom Designs

• Hassle-Free living • 9’ Ceilings • Landscaped Grounds

• Underground Parking • Rooftop Terraces

You can own a new Urban Town at Danforth and Danforth

$300’sStarting from the mid

Brokers protected. Prices and specifications are subject to change without notice. Rendering is artist’s concept. E. & O. E. *See Sales Representative for more details.


2

002-003-HiRise-Spice 02-06-16.indd 2 2016-02-02 11:46 AM


Get Social with us:

Danforth & Danforth

3194 Danforth Ave

OWN IT LOVE IT10% DOWN*

Get the full SPICE story now

SpiceOnDanforth.com416.932.3443

Sales Office Hours: Mon - Thurs 12 - 7pm, Friday by appointment, Weekends 11am - 5pm

• 1 & 2 Storey homes -739 sq.ft. up to 1,029 sq.ft.• 2 Bedroom + Den & 3 Bedroom Designs

• Hassle-Free living • 9’ Ceilings • Landscaped Grounds

• Underground Parking • Rooftop Terraces

You can own a new Urban Town at Danforth and Danforth

$300’sStarting from the mid

Brokers protected. Prices and specifications are subject to change without notice. Rendering is artist’s concept. E. & O. E. *See Sales Representative for more details.


3

002-003-HiRise-Spice 02-06-16.indd 3 2016-02-02 11:46 AM

4

004-005-Menkes-Corp 02-06-16.indd 4 2016-02-02 11:46 AM

SPRING 2016 | YOUR FIRST HOME & CONDO 5

004-005-Menkes-Corp 02-06-16.indd 5 2016-02-02 11:46 AM

property profiles

10 Menkes DevelopmentsThe Eglinton celebrates construction milestone

14 Hi-Rise West Inc.Want to add a little SPICE to your life?

18 Adi DevelopmentStationwest a transit-connected lifestyle

26 Daniels CorporationLive, work, play in hottest new waterfront community

trending

15 Focus on Southwestern Ontario

22 SWO Housing Markets4 appealing markets in Southwestern Ontarioby Wayne Karl

25 Spotlight on Condos

28 Buying a CondoThe more you walk, the more you will saveby Wayne Karl

29 Homebuying TipsSix homebuying tips for first-timers by Wayne Karl

advice

12 Legally SpeakingBuying your first home? Here’s what you need to knowby Jayson Schwarz

20 Mortgage AdviceFirst-time homebuyers: 3 steps to get into the marketby Alyssa Richard

24 BILD ReportCondo living on the horizon for new familiesby Bryan Tuckey

in this issue

8 Editor’s Note

SPRING 2016

24

contents

14

10

26

24

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge

DIRECTOR OF SALES

Moe Lalani

ASSOCIATE PUBLISHER, NEW HOME GUIDE GTA, NEW CONDO GUIDE

Anne-Marie Breen

ASSOCIATE PUBLISHER, NEW HOME & CONDO GUIDE SWO

Susan Maxwell

EDITOR

Wayne Karl

ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

Elisa KrovblitSara Duck (on leave)Lydia McNutt (on leave)

SENIOR ACCOUNT EXECUTIVES

Nina DownsDionne Fraser

SALES & MARKETING CO-ORDINATOR

Terry Bassett

PRODUCTION MANAGER

Bala Gnanapandithan

PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic

GRAPHIC DESIGNERS

Miguel CeaMike Terentiev

Your First Home & Condo#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 ypnexthome.ca

NOW PUBLISHING 2X per YEAR (WINTER & FALL 2016)

ADVERTISING Call 416.626.4200 for advertising rates and information.

CIRCULATION Available at the National Bridal Show Toronto in January and September, Welcome Wagon Shows SWO, GTA Home + Reno Show, and National Home Show & Canada Blooms. Additional distribution throughout the year to key retail locations.

COPYRIGHT 2016 All rights reserved by Yellow Pages Homes Ltd., Toronto, Ont. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law.

TERMS Advertisers, Editorial Content and Your First Home & Condo 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 above address, to the attention of the editor.

Please recycle this magazine! Yellow Pages NextHome 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.

6 YPNEXTHOME.CA


property profiles

10 Menkes DevelopmentsThe Eglinton celebrates construction milestone

14 Hi-Rise West Inc.Want to add a little SPICE to your life?

18 Adi DevelopmentStationwest a transit-connected lifestyle

26 Daniels CorporationLive, work, play in hottest new waterfront community

trending

15 Focus on Southwestern Ontario

22 SWO Housing Markets4 appealing markets in Southwestern Ontarioby Wayne Karl

25 Spotlight on Condos

28 Buying a CondoThe more you walk, the more you will saveby Wayne Karl

29 Homebuying TipsSix homebuying tips for first-timers by Wayne Karl

advice

12 Legally SpeakingBuying your first home? Here’s what you need to knowby Jayson Schwarz

20 Mortgage AdviceFirst-time homebuyers: 3 steps to get into the marketby Alyssa Richard

24 BILD ReportCondo living on the horizon for new familiesby Bryan Tuckey

in this issue

8 Editor’s Note

SPRING 2016

24

contents

14

10

26

24

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge

DIRECTOR OF SALES

Moe Lalani

ASSOCIATE PUBLISHER, NEW HOME GUIDE GTA, NEW CONDO GUIDE

Anne-Marie Breen

ASSOCIATE PUBLISHER, NEW HOME & CONDO GUIDE SWO

Susan Maxwell

EDITOR

Wayne Karl

ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

Elisa KrovblitSara Duck (on leave)Lydia McNutt (on leave)

SENIOR ACCOUNT EXECUTIVES

Nina DownsDionne Fraser

SALES & MARKETING CO-ORDINATOR

Terry Bassett

PRODUCTION MANAGER

Bala Gnanapandithan

PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic

GRAPHIC DESIGNERS

Miguel CeaMike Terentiev

Your First Home & Condo#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 ypnexthome.ca

NOW PUBLISHING 2X per YEAR (WINTER & FALL 2016)

ADVERTISING Call 416.626.4200 for advertising rates and information.

CIRCULATION Available at the National Bridal Show Toronto in January and September, Welcome Wagon Shows SWO, GTA Home + Reno Show, and National Home Show & Canada Blooms. Additional distribution throughout the year to key retail locations.

COPYRIGHT 2016 All rights reserved by Yellow Pages Homes Ltd., Toronto, Ont. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law.

TERMS Advertisers, Editorial Content and Your First Home & Condo 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 above address, to the attention of the editor.

Please recycle this magazine! Yellow Pages NextHome 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.



8 YPNEXTHOME.CA SPRING 2016 | YOUR FIRST HOME & CONDO 9

Wayne KarlSenior EditorYellow Pages NextHomeEmail: [email protected]: @WayneKarl

WHEN BUYING your fi rst home, you’re sure to be fi lled with many

questions. How much can I a� ord? How much will it all cost? Where

do I want to live? What type of home do I want?

The answers to these and other important questions depend on your

situation, but there are also some common guidelines you can follow.

1. How much can you a� ord? It’s a common mistake for fi rst-

time buyers to buy more home than you can a� ord. Meeting with

a mortgage broker or your banker will help determine your full

fi nancial picture, everything from your credit rating to your down

payment. Experts also suggest you “stress-test” your plan to see how

well you could cope with higher interest rates.

2. How much will it really cost? Another common homebuyer

mistake is not being prepared for all the costs involved, such as

lawyer fees, land transfer taxes, utilities and insurance. All of these

costs add up, and ultimately should factor into your home-shopping

budget.

3. Where do you want to live? This question is becoming more

important for a number of reasons, though infl uenced primarily by

where you work, how much of a commute you want and what your

transportation options include. Indeed, proximity to mass transit is

something more people are looking for in their new home location.

4. What type of home do you want? Once you have determined

your options for cost and location, you can then assess what types of

homes are available in your price range and desired neighbourhood:

Single-family detached, semi-detached, townhome or condo?

So many questions, so many choices. The good news is, home

builders today are in sync with customer preferences for location

and amenities, and with market realities with regard to pricing and

needs for energy e� ciency. Your options for new-home product

have never been better.

+ get social

Editor’s Note

Interact with us on social media: ypnexthome

Buying your fi rst home? We’re here to help


COMING THIS SPRINGA NEW ERA OF LIVING

IN BRAMPTON 5%

deposit!only a

buy with

Illustration is artist’s concept. Brick colours may vary from colours shown. Prices and specifications are subject to change without notice. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission from The Daniels Corporation, is strictly prohibited. Brokers Protected. E.&.O.E.

DON’T MISS OUT REGISTER TODAY!

OMGdaniels.com 905-874-8880

• Studios to 3 Bedroom suite designs

• Close to parks, walking trails, schools and recreational facilities

• Steps from Brampton Transit

• Located minutes from Highways 401 and 407

Love Where You Live™, Work, Play and Shop at Daniels’

Olivia Marie Gardens!

Coming this spring to the northeast corner of Mississauga Road and Olivia Marie Road, Daniels’ Olivia Marie Gardens Community is the best place to put down roots in this highly coveted Brampton location. These boutique condominium suites are unlike anything else in the city, offering Daniels’ quality construction in an energetic community, with exciting retail and everyday conveniences at your doorstep.

Boutique Condominium Suites from the $300,000s

ALREADY UNDER CONSTRUCTION

009-Daniels-OliviaMarie 02-06-16.indd 9 2016-02-02 11:46 AM


Property Profile | MENKES

IN THE HEART of Yonge and Eglinton,

Toronto’s hottest and fastest-

growing neighbourhood, Menkes

has completed demolition on the

site of The Eglinton, making way

for construction on this highly-

anticipated midtown project to begin.

This milestone brings The

Eglinton one step closer to reality

for those who want to live in a

vibrant, walkable community

close to eateries, entertainment,

offices, schools and parks, and

for savvy buyers who realize the

neighbourhood’s growing appeal.

“This important milestone in the

construction process is exciting not

only for our team at Menkes, but

for our buyers as well,” says Jared

Menkes, vice-president, highrise

residential. “Completing demolition

is a strong visual cue to purchasers,

and local residents, that we are one

step closer to making The Eglinton a

reality – right in the heart of Toronto’s

fastest growing neighbourhood.”

Transit is a top priority these days,

and it’s easy to get to any part of the

city with The Eglinton’s convenient

access to the Yonge Eglinton subway

line and the Eglinton Crosstown LRT.

The 34-storey glass tower designed

by Giannone Petricone Associates

is set on the south side of Eglinton

Avenue East, just blocks from the

corner of Yonge and Eglinton. The

Buyers rejoice as The Eglinton celebrates construction milestoneMenkes completes demolition in Toronto’s midtown

Eglinton offers an impressive array of

desired in-house amenities designed

by Mike Niven Interior Design (MNID),

including state-of-the-art wireless

lounge with Wi-Fi and High Definition

screens; party space with dining area

and gourmet kitchen; billiards room;

theatre and fitness studio.

Recognizing the trend towards

condo family living, The Eglinton also

features a dedicated kids’ room.

NAK Design Group has created a

landscaped terrace with sun deck,

lounge seating, barbecue facilities

and outdoor dining area, overlooking

Forest Hill and North Toronto and the

city skyline south to Lake Ontario.

Suites come in a range of layouts,

from studios to two-bedrooms, from

359 to 871 sq. ft., priced from the

mid $200,000s. Features and finishes

include laminate flooring throughout,

porcelain or ceramic tile floors in the

bathroom and in-suite laundry area

with stacked washer and dryer.

Kitchens feature cabinetry custom

designed by Mike Niven Interior

Design, quartz countertops with

ceramic or porcelain backsplash;

stainless steel under-mounted sinks

with single lever faucet; and, brand

name appliances. The master ensuite

includes an MNID custom vanity with

cultured marble top and integrated

sink; full width mirror and soaker tub.

Occupancy of The Eglinton is

anticipated for fall 2018.

To learn more about The Eglinton,

visit the Menkes Condo Centre at 770

Bay St. Open from noon to 6 p.m.

Monday to Thursday, closed Friday

and open on Saturday, Sunday, and

holidays from noon to 5 p.m.

For more information, please

call 416.591.7700 or email

[email protected] or

go to menkes.com


For further information contact:

MANCINI Homes Ltd.

452 Nineteenth AvenueRichmond Hill, ON L4E 3P7

FEATURING EXECUTIVETWO STOREYS & BUNGALOWS

Stone and Brick Veneer • Hardwood Floors Oak Stairs • Walkout Lots

Walking Distance to Lakehead University

905-773-9997 | mancinihomes.ca | [email protected]

Starting from the $300’s

Lifestyle in OrilliaPhase 4 coming Summer 2016

MANCINIH O M E S LT D .

where tradition and innovation meet

PHASE 3OVER 70% SOLD!

“THE FUJI” MODEL

“THE ALPS” MODEL

KAWARTHA LAKES COMING SPRING 2016

011-Mancini-Corp 01-30-16.indd 11 2016-02-02 5:08 PM


SO HERE YOU ARE – newly married,

just returned from a glorious

honeymoon, and planning to move

from a rental into your own home…

Where do you start?

The fi rst thing to consider is

whether you want a condominium or

freehold home. Each comes with its

own unique legal and other issues.

» Condominium ownership: Most

people think of condominiums

as highrise apartments only. This

is no longer true. Condominiums

can include townhouses, semi-

detached or detached homes.

Condos can also take the form of

common element condominiums

(such as a shared swimming pool,

common road or park), phased

condominium corporations, vacant

land condominiums or leasehold

condominiums. Condominiums are

created under the Condominium Act

of Ontario, as, among other things,

a means of sharing common costs

and ownership. You basically own

the inside of your unit and the condo

corporation owns everything else.

» Freehold: Generally speaking, this is

how previous generations purchased

homes. You own your domain, and

what you do with your property is

your choice. Insurance, heat, hydro,

property tax, maintenance – all are

your personal responsibility, and you

manage them as necessary. In other

words, you cut your own grass and

take out your own garbage.

Now that you know what kind of

Advice | LEGALLY SPEAKING

learning more about the area (visit

ypnexthome.ca). Do not sign an

o� er without fi rst having your lawyer

review sales documents, for your own

protection.

Another important matter to look at

is insurance. You will need insurance

for your new house, including

mortgage insurance, and you might

also consider reviewing your life and

disability insurance, to make sure

you are protected in case something

happens to the major wage earner.

You will need home insurance before

the deal closes.

Finally, you need to understand

how much money you need. It is not

just the purchase price, but all the

other fi nancial considerations: legal

fees, disbursements, Land Transfer

Tax, fi nal adjustments on a new home,

mortgage fees (CMHC premiums),

home inspector costs and home

insurance premiums. Be prepared.

By Jayson Schwarz

MORE ADVICE ONLINEypnexthome.ca/news/advice

Jayson Schwarz LL.M. is a Toronto real estate lawyer and senior partner in the law fi rm Schwarz Law LLP. If you have a topic in mind, mail, deliver or fax letters to the magazine or to the fi rm, email ([email protected]) and give us your questions, concerns, critiques and quandaries.

home options you have, let’s look at

the di� erences in new and resale. A

resale home is generally in move-in

condition (subject to inspection) and

you get immediate occupancy upon

closing. You may have no warranty and

need to consider the condition of the

home. When are buying a resale home,

except in special circumstances, there

is no HST because you are purchasing a

used residence.

Today, when you buy a new home,

you can be years from occupancy.

You have the comfort of knowing

that Tarion Warranty Corp. is there

to warranty the construction. It is

fresh, never lived-in and the choice

of fi nishings is yours. In a new home,

most builders include HST in the

purchase price. Builders also get an

assignment of the HST rebate that

you qualify for, as long as you are a

Canadian resident and your settled

intention is for you or immediate

family to reside in the home. You will

simply sign the forms and the issue

will have no e� ect on your purchase.

You will also need to educate

yourself, by reading articles (see

schwarzlaw.ca), attending seminars,

going online to research prospective

builders (at tarion.com), and

Buying your fi rst home?Here’s what you need to know


*Certain Terms and Conditions shall apply. Full disbursement disclosure.

TORONTO OFFICE1984 Yonge St.,Toronto

Ontario M4S 1Z7

416.486.2040 Toll Free: 1.888.609.8888

Fax 416.486.3325

BRAMPTON BRANCH OFFICE10 Wilkinson Rd. Unit 22.,

Brampton, Ontario L6T 5B1

905.455.5777Toll Free: 1.888.609.8888

Fax 905.452.8135

Quality legal services at the right price*

$849plus HST

BUYING YOUR FIRST HOME OR CONDO? Helping YOU make your home buying dream a reality.

www.schwarzlaw.ca

For Free Offer ReviewCall

WOW, our own house?!

013-Schwarz-Legal 02-06-16.indd 43 2016-02-02 11:47 AM


Property Profile | HI-RISE WEST INC.

WANT SOME INSIDER information about the

hottest area in Toronto to invest in? It isn’t

north; it isn’t south; it isn’t west. All indicators

point to the area that hugs the Danforth –

Toronto’s colourful, quirky, eclectic east end.

This burgeoning area is quickly becoming the

place to live for people who want to be close

to the downtown core, but not in it; for people

who love the bohemian pull of a community

that is gentrifying faster than anywhere else in

the city but with an affordable price tag. The

opportunity to buy here is still possible, but the

experts agree; the time to act is now before

demand forces prices up.

The east end is where Spice can serve up a

tasty lifestyle infused with all of the ingredients

necessary for flavourful living! Hi-Rise West Inc.

is building an intimate enclave of one- and two-

storey urban townhomes where Danforth Road

and Danforth Avenue merge.

Offering units from 749 to 1,029 sq. ft., these

are architecturally precise townhomes designed

to appeal to contemporary sensibilities. Homes

feature soaring nine-ft. ceilings, open concept

designs including two-bedroom plus den

models as well as three-bedroom models,

exceptional finishing details, convenient

underground parking and beautifully landscaped

grounds. Upper units have sun-drenched

rooftop terraces designed to maximize al

fresco living. These are condominium homes

that provide complete lock and leave living; no

grounds maintenance, no gardening, no snow

shoveling, no worries.

They provide the perfect residence for

busy people who want to spend their time

enjoying their home and neighbourhood,

not grooming it!

Close to the Warden and Victoria Park subway

stations, the area surrounding Spice has a transit

score of 80 (excellent rating) and a walk score

of 79 – meaning you can take care of most

errands on foot. The immediate area boasts

close to 50 restaurants, cafes, bars and clubs,

three parks and three major grocery stores.

Spice residents will be able to walk to cool

shops and boutiques, schools and day care.

Nature lovers will be thrilled with the proximity

to the Beaches, The Bluffs and the Boardwalk.

You can be at in the heart of downtown

Toronto in less than half an hour making Spice a

commuter’s dream location. The area is serviced

by 10 bus routes as well as The Danforth GO

Station which is a fast 15-minute walk away.

If you’re ready to add some spice to your

life, don’t miss the opportunity to become a

Spice Insider.

Visit spiceondanforth.com to register and you’ll

receive up-to-the-minute VIP information, or

visit the presentation centre at 3194 Danforth

Ave., 416.932.3443.

Want to add a little

SPICE to your life?

The following pages feature new homes and condos from some of the area’s most prominent builders

southwestern ontario

FOCUS ON…



Property Profile | HI-RISE WEST INC.

WANT SOME INSIDER information about the

hottest area in Toronto to invest in? It isn’t

north; it isn’t south; it isn’t west. All indicators

point to the area that hugs the Danforth –

Toronto’s colourful, quirky, eclectic east end.

This burgeoning area is quickly becoming the

place to live for people who want to be close

to the downtown core, but not in it; for people

who love the bohemian pull of a community

that is gentrifying faster than anywhere else in

the city but with an affordable price tag. The

opportunity to buy here is still possible, but the

experts agree; the time to act is now before

demand forces prices up.

The east end is where Spice can serve up a

tasty lifestyle infused with all of the ingredients

necessary for flavourful living! Hi-Rise West Inc.

is building an intimate enclave of one- and two-

storey urban townhomes where Danforth Road

and Danforth Avenue merge.

Offering units from 749 to 1,029 sq. ft., these

are architecturally precise townhomes designed

to appeal to contemporary sensibilities. Homes

feature soaring nine-ft. ceilings, open concept

designs including two-bedroom plus den

models as well as three-bedroom models,

exceptional finishing details, convenient

underground parking and beautifully landscaped

grounds. Upper units have sun-drenched

rooftop terraces designed to maximize al

fresco living. These are condominium homes

that provide complete lock and leave living; no

grounds maintenance, no gardening, no snow

shoveling, no worries.

They provide the perfect residence for

busy people who want to spend their time

enjoying their home and neighbourhood,

not grooming it!

Close to the Warden and Victoria Park subway

stations, the area surrounding Spice has a transit

score of 80 (excellent rating) and a walk score

of 79 – meaning you can take care of most

errands on foot. The immediate area boasts

close to 50 restaurants, cafes, bars and clubs,

three parks and three major grocery stores.

Spice residents will be able to walk to cool

shops and boutiques, schools and day care.

Nature lovers will be thrilled with the proximity

to the Beaches, The Bluffs and the Boardwalk.

You can be at in the heart of downtown

Toronto in less than half an hour making Spice a

commuter’s dream location. The area is serviced

by 10 bus routes as well as The Danforth GO

Station which is a fast 15-minute walk away.

If you’re ready to add some spice to your

life, don’t miss the opportunity to become a

Spice Insider.

Visit spiceondanforth.com to register and you’ll

receive up-to-the-minute VIP information, or

visit the presentation centre at 3194 Danforth

Ave., 416.932.3443.

Want to add a little

SPICE to your life?

The following pages feature new homes and condos from some of the area’s most prominent builders

southwestern ontario

FOCUS ON…


Presentation Centre:5210 Dundas Street West, Burlington

Monday - Thursday: 3pm - 8pmFriday by appointment

Saturday, Sunday & Holidays: 12 noon - 5 pmAdiDevelopments.com | 905-592-2028

Stunning Condo + Loft Designs Bronte Creek Provincial ParkSimply The Best

In Burlington.Construction Has Started.

LINK2 Condos + Lofts offers modern

residences overlooking a landscaped

courtyard, a 2 level recreational centre with

spacious outdoor terraces and delivers

modern style, comfort and superior quality.

COMING SOON3-Storey Townhomes

You’ve Arrived.

Burlington At Aldershot GO Station$300’sfrom

the high

If a modern vibe is what propels you, then this is your station. Go and arrive

in style from StationWest, where smart, open concept 2 and 3 bedroom

townhomes – many with private rooftop terraces – ranging from 1,200 to

2,100 sq.ft. make up this uber-connected, masterplanned community.

Register Now for opportunity to preview.

Register Now! AdiDevelopments.comExclusive Listing: Baker Real Estate Incorporated, Brokerage. Brokers Protected.

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

Join Us On

Striking.Seductive.Decidedlydifferent.

Sophisticated Condominiums OnDowntown Burlington’s Waterfront

Presenting a rare opportunity to own at a

most coveted address. Design-infused

waterfront condominium residences

coupled with indulgent amenities.

Presentation Centre & Model Suite:375 Brant Street - Downtown Burlington



Qxxxx_Your First Home_2016_Q9160_Builders Annual_2013 1/26/16 2:40 PM Page 1

16 YPNEXTHOME.CA

016-017-Adi-Corp 02-06-16.indd 16 2016-02-02 11:47 AM

Presentation Centre:5210 Dundas Street West, Burlington



Stunning Condo + Loft Designs Bronte Creek Provincial ParkSimply The Best

In Burlington.Construction Has Started.

LINK2 Condos + Lofts offers modern

residences overlooking a landscaped

courtyard, a 2 level recreational centre with

spacious outdoor terraces and delivers

modern style, comfort and superior quality.

COMING SOON3-Storey Townhomes

You’ve Arrived.

Burlington At Aldershot GO Station$300’sfrom

the high

If a modern vibe is what propels you, then this is your station. Go and arrive

in style from StationWest, where smart, open concept 2 and 3 bedroom

townhomes – many with private rooftop terraces – ranging from 1,200 to

2,100 sq.ft. make up this uber-connected, masterplanned community.

Register Now for opportunity to preview.

Register Now! AdiDevelopments.comExclusive Listing: Baker Real Estate Incorporated, Brokerage. Brokers Protected.

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

Join Us On

Striking.Seductive.Decidedlydifferent.

Sophisticated Condominiums OnDowntown Burlington’s Waterfront

Presenting a rare opportunity to own at a

most coveted address. Design-infused

waterfront condominium residences

coupled with indulgent amenities.

Presentation Centre & Model Suite:375 Brant Street - Downtown Burlington



Qxxxx_Your First Home_2016_Q9160_Builders Annual_2013 1/26/16 2:40 PM Page 1


016-017-Adi-Corp 02-06-16.indd 17 2016-02-02 11:47 AM


Property Profile | ADI DEVELOPMENT GROUP

ADI DEVELOPMENT GROUP is

introducing a dramatic lifestyle

shift with Stationwest, a new transit-

oriented community in Burlington’s

west end with contemporary

townhomes that offer families

room to grow.

Arriving early 2016, the project’s

first phase consists of a collection of

spacious conventional and back-to-

back townhomes ranging from about

1,200 to 2,200 sq. ft. with backyards

and rooftop terraces.

Starting from the high $300,000s,

two- and three-bedroom layouts

are ideal for first-time homebuyers,

families and empty nesters alike.

“With Stationwest, we’re not just

building for today. We’re targeting

connectivity and walkability to build

for the future,” says Tariq Adi, CEO

of Adi Development Group. “We’re

creating a mobility hub that will help

realize the full potential of Burlington

West, the newest hot spot in the city.”

Located at the Aldershot GO

Station, Stationwest’s ideal location

allows residents to connect directly to

Union Station in less than an hour and

access to the urban conveniences

of close by Village of Waterdown’s

quaint downtown.

With Stationwest, Adi Development

Group is bringing its signature

cutting-edge contemporary

aesthetic and attention to detail to

this lowrise community.

Bold geometric facades by ICON

Architects leverage a palette of

natural materials to create an eclectic,

modern streetscape. Mirroring this

groundbreaking project, every detail

has been carefully selected with

features typically reserved for custom

homes, from aluminum and frosted

glass garage doors to oversized

windows and framed glass balconies.

“At Stationwest, you can walk out

Stationwest introduces a transit-connected lifestyle in Aldershot

of your door and onto the train while

still coming home to a quiet, green

neighbourhood,” says Saud Adi, COO

of Adi Development Group. “This will

be one of the last opportunities to

own in a transit-connected lowrise

community of this size in Burlington.”

Register at adidevelopments.com

to be among the first to preview

this anticipated community.

For more information, email

[email protected]

You’ve arrived


Discover eastforest homes!Where Your Home Is Your Destination

fUNctioN& Style

Traditional, Modern Or Simply Unique!Whatever your style might be, you will find it in one of our great communities.

follow us!

eastforesthomes.com/communities

Prices correct at press time. Images used above are the actual Model Homes. Broker protected. Promotions and incentives can be changed or cancelled at any time with out notice. Please see Sales Representative for details. E. & O.E., January 2016

Over 7000 Dreams Built, Over 7000 Unique StylesCondos • Towns • Semis • Detached • Bungalows

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019-Eastforest-Corp 02-06-16.indd 19 2016-02-02 3:27 PM


PURCHASING A HOME will be one of

the biggest investments you’ll ever

make. If you’re just starting to look,

there are a few steps you’ll need to

take before you can buy a home.

Determine how much you can a� ord

First, you have to determine what you

can a� ord. Your a� ordability is based

on your household income, your

current monthly debt payments and

the costs associated with owning a

home (such as property taxes, heating

costs, and condo fees).

A lender will also look at two

ratios to fi gure out how large your

mortgage can be. The fi rst is called

the gross debt service ratio. Your

monthly housing costs for (principal

and interest, taxes, and heating

costs) shouldn’t be more than 32

per cent of your gross income.

The second is called the total debt

service ratio, which includes your

housing costs as well as any loan

expenses (such as credit card and

line of credit payments, and car

loans or leases). This ratio shouldn’t

be higher than 40 per cent of your

gross income.

You also have to come up with

enough money to make a down

payment. You’ll need to have a

minimum of fi ve per cent. If you’re

able to come up with a down

payment of 20 per cent or more, you

won’t need mortgage loan insurance.

And you should also have money

saved for closing costs, which could

be between 1.5 and four per cent of

the purchase price of your property.

Dip into savings

Once you’ve determined how much

you’ll need, you’ll have to fi nd a

source for your down payment and

closing costs, one of which can be

your RRSP.

Under the Home Buyers’ Plan, you

can withdraw up to $25,000 from

your RRSP on a tax-free basis as

long as the funds have been in the

plan for more than 90 days. If you’re

purchasing a property with a partner

who’s also a fi rst-time buyer, you’ll

each be able with withdraw $25,000.

Keep in mind that the money has to

be paid back starting the second year

after you make the withdrawal and

you have up to 15 years to repay the

amount. If you don’t make an annual

payment, you’ll have to declare it as

taxable income on your tax return

for that year.

If your RRSPs or other savings

aren’t enough, your family may

be able to help you. In fact, a 2015

BMO survey found 42 per cent of

fi rst-time buyers expect their parents

or relatives to help pay for their

fi rst home.

Shop for a mortgage

It can pay to shop around. If you

and your partner go with the

fi rst mortgage rate you fi nd, you

could end up paying a lot more.

Let’s assume the following: you

plan on buying a $500,000 home

with a $400,000 mortgage, your

amortization period will be 25 years,

and you have a fi ve-year fi xed rate

of 3.5 per cent. That means your

total mortgage payment will be

$1,997 a month.

But if you do a little research, you

could save some money. If you’re

able to get a mortgage with a fi ve-

year fi xed rate of 2.5 per cent, your

payments will be $1,792, a di� erence

of $205 a month or $2,460 a year.

That’s why you should look for the

best mortgage rates.

You need to be ready fi nancially

before you’re able to purchase

a property. Knowing what steps

are involved to become a fi rst-

time homebuyer will allow you

to start your search for buying

a home.

Advice | MORTGAGE ADVICE

First-time homebuyers 3 steps required to get into the market

By Alyssa Richard


Alyssa Richard is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart fi nancial decisions.


Presentation Centre351 Dundas St. E. Oakville

Mon-Thu 1PM-7PM,FRIDAY: BY APPOINTMENT,

Sat & Sun 12PM-5PM

branthaven.com/oakvillageA JOINT DEVELOPMENT WITH 289.725.7777

Renderings are artists’ concept. Prices, photos and specifications are subject to change without notice. E.&O.E.

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YFHNHC OV Jan22.pdf 1 2016-01-22 12:03 PM



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021-Branthaven-Oakvillage 02-06-16.indd 21 2016-02-02 3:27 PM


SO MUCH IS MADE of how hot and

strong some real estate markets in

Canada have become. Most areas

in Southwestern Ontario, however,

usually don’t make the conversation.

But perhaps they should.

Hamilton, Kitchener-Waterloo and

London may not generate the same

level of attention as Toronto, but that’s

not necessarily a bad thing.

Strong value appreciation of

lowrise homes in the GTA, for

example, is great for those who

already own a home, but hardly

welcoming for those looking to get

into the market, particularly first-

time buyers. Combined with limited

supply, affordability is becoming a

growing concern there.

In Southwestern Ontario, by

comparison, there’s absolutely nothing

wrong with slow and steady.

In fact, looking back over the

last 20 years in terms of price

appreciation, Hamilton-Burlington

ranks fourth overall in Canada, with a

6.17-per-cent annual rate of return,

according to data from ReMax. The

vaunted GTA market? Only slightly

ahead in third, with 6.21 per cent

annual return; on a national level,

the figure is 5.82 per cent.

In another measure, a list of the

hottest markets in Canada where you

can easily buy a home for less than

$500,000 (as of Feb. 15, 2016 the new

price threshold for the minimum down

payment requirement of five per cent).

Care to guess how SWO ranked?

Would you be surprised to learn that

Southwestern Ontario occupies two

of the top five spots, and four of the

top 10?

Indeed, using average price growth

over the last year to determine just

how hot, London ranks number one.

Hamilton comes in at number five,

while Niagara-St. Catharines and

Kitchener-Waterloo and Cambridge

are seven and eight, respectively.

Just as importantly is that prices in

these markets are so affordable, that

none are in danger of crossing the

$500,000 threshold any time soon.

Trending

By Wayne Karl

4 appealing markets in Southwestern Ontario

SOURCE: CANADA MORTGAGE AND HOUSING CORP. HOUSING MARKET OUTLOOK

London

Housing starts will increase seven

per cent to 2,300 in 2016 and will

grow again in 2017. MLS sales will

increase 3.5 per cent to 9,500 sales

in 2016, and be higher in 2017.

“Greater household formation

will lead to greater housing

demand in London in 2016,” says

Anthony Passarelli, market analyst

for London. “Improved labour

market conditions will cause a

larger percentage of London’s

growing number of 25 to 34 year

olds to leave the parental home to

form their own households.

“Less choice in the resale market

will lead to greater growth in the

average price and higher housing

starts next year. Higher carrying

costs, due to rising prices and

mortgage rates that will start to

edge up in late 2016, will have

little effect on homeownership

demand in London.”

Hamilton

Housing starts will stabilize near

2,400 units in 2016 and 2017,

following a decline in 2015.

Fewer single-detached housing

starts in 2017 will be offset by

more multi-unit starts. High

mortgage carrying costs will

result in slightly lower demand

for single-detached housing in

2017, as this type of dwelling

is less affordable compared to

multi-unit housing.

“Relative to the GTA, Hamilton

is still considered a more affordable

housing market and will continue to

attract potential homebuyers from

the less affordable municipalities,”

says Abdul Kargbo, CMHC senior

market analyst for Hamilton and

Brantford.

Kitchener

Housing starts will decline to 2,615

units in 2016 and then be relatively

stable in 2017. Condo apartment

starts will decline, but from near

record levels in 2014, while single-

detached starts will trend higher.

Existing home sales are forecast

to increase in 2016 and remain

relatively unchanged in 2017.

The resale market is expected to

be balanced in KCW, with price

growth above two per cent.

“Housing starts will be trending

down closer to the long-term

rate of household formation next

year. Rising employment will

support housing demand. With

prices higher and mortgage rates

starting to edge up in late 2016,

demand will stabilize in 2017,”

says Erica McLerie, CMHC senior

market analyst.

Brantford

Total housing starts were on track

to reach 600 units for 2015, their

highest level since 2002, with

all dwelling types trending up.

However, starts will decline to a

sustainable level in 2016 and 2017,

as the current pace of construction

is exceptionally strong.

“Single-detached housing starts

will decline only slightly in 2016

and 2017,” says Abdul Kargbo,

senior market analyst for Hamilton

and Brantford.

“In-migration from Hamilton

took the top spot in supporting

Brantford’s population growth,

according to the 2013 migration

data from Statistics Canada. As a

result of tight market conditions

in Hamilton, some potential local

buyers will continue to move to

Brantford where house prices are

relatively low.”

Ê Here’s a snapshot of four appealing markets in Southwestern Ontario



SO MUCH IS MADE of how hot and

strong some real estate markets in

Canada have become. Most areas

in Southwestern Ontario, however,

usually don’t make the conversation.

But perhaps they should.

Hamilton, Kitchener-Waterloo and

London may not generate the same

level of attention as Toronto, but that’s

not necessarily a bad thing.

Strong value appreciation of

lowrise homes in the GTA, for

example, is great for those who

already own a home, but hardly

welcoming for those looking to get

into the market, particularly first-

time buyers. Combined with limited

supply, affordability is becoming a

growing concern there.

In Southwestern Ontario, by

comparison, there’s absolutely nothing

wrong with slow and steady.

In fact, looking back over the

last 20 years in terms of price

appreciation, Hamilton-Burlington

ranks fourth overall in Canada, with a

6.17-per-cent annual rate of return,

according to data from ReMax. The

vaunted GTA market? Only slightly

ahead in third, with 6.21 per cent

annual return; on a national level,

the figure is 5.82 per cent.

In another measure, a list of the

hottest markets in Canada where you

can easily buy a home for less than

$500,000 (as of Feb. 15, 2016 the new

price threshold for the minimum down

payment requirement of five per cent).

Care to guess how SWO ranked?

Would you be surprised to learn that

Southwestern Ontario occupies two

of the top five spots, and four of the

top 10?

Indeed, using average price growth

over the last year to determine just

how hot, London ranks number one.

Hamilton comes in at number five,

while Niagara-St. Catharines and

Kitchener-Waterloo and Cambridge

are seven and eight, respectively.

Just as importantly is that prices in

these markets are so affordable, that

none are in danger of crossing the

$500,000 threshold any time soon.

Trending

By Wayne Karl

4 appealing markets in Southwestern Ontario

SOURCE: CANADA MORTGAGE AND HOUSING CORP. HOUSING MARKET OUTLOOK

London

Housing starts will increase seven

per cent to 2,300 in 2016 and will

grow again in 2017. MLS sales will

increase 3.5 per cent to 9,500 sales

in 2016, and be higher in 2017.

“Greater household formation

will lead to greater housing

demand in London in 2016,” says

Anthony Passarelli, market analyst

for London. “Improved labour

market conditions will cause a

larger percentage of London’s

growing number of 25 to 34 year

olds to leave the parental home to

form their own households.

“Less choice in the resale market

will lead to greater growth in the

average price and higher housing

starts next year. Higher carrying

costs, due to rising prices and

mortgage rates that will start to

edge up in late 2016, will have

little effect on homeownership

demand in London.”

Hamilton

Housing starts will stabilize near

2,400 units in 2016 and 2017,

following a decline in 2015.

Fewer single-detached housing

starts in 2017 will be offset by

more multi-unit starts. High

mortgage carrying costs will

result in slightly lower demand

for single-detached housing in

2017, as this type of dwelling

is less affordable compared to

multi-unit housing.

“Relative to the GTA, Hamilton

is still considered a more affordable

housing market and will continue to

attract potential homebuyers from

the less affordable municipalities,”

says Abdul Kargbo, CMHC senior

market analyst for Hamilton and

Brantford.

Kitchener

Housing starts will decline to 2,615

units in 2016 and then be relatively

stable in 2017. Condo apartment

starts will decline, but from near

record levels in 2014, while single-

detached starts will trend higher.

Existing home sales are forecast

to increase in 2016 and remain

relatively unchanged in 2017.

The resale market is expected to

be balanced in KCW, with price

growth above two per cent.

“Housing starts will be trending

down closer to the long-term

rate of household formation next

year. Rising employment will

support housing demand. With

prices higher and mortgage rates

starting to edge up in late 2016,

demand will stabilize in 2017,”

says Erica McLerie, CMHC senior

market analyst.

Brantford

Total housing starts were on track

to reach 600 units for 2015, their

highest level since 2002, with

all dwelling types trending up.

However, starts will decline to a

sustainable level in 2016 and 2017,

as the current pace of construction

is exceptionally strong.

“Single-detached housing starts

will decline only slightly in 2016

and 2017,” says Abdul Kargbo,

senior market analyst for Hamilton

and Brantford.

“In-migration from Hamilton

took the top spot in supporting

Brantford’s population growth,

according to the 2013 migration

data from Statistics Canada. As a

result of tight market conditions

in Hamilton, some potential local

buyers will continue to move to

Brantford where house prices are

relatively low.”

Ê Here’s a snapshot of four appealing markets in Southwestern Ontario



Condo living on the horizon for new families

Advice | BILD REPORT

AS PRICES OF NEW LOWRISE HOMES

in the GTA continue to reach all-time

highs, more and more families are

calling new condominiums home.

The GTA continues to grow, with up

to 36,000 new families formed every

year, and demand for family-friendly

condominiums is on the rise.

The building and land

development industry is responding

to the demand for family-friendly

condos and many new highrise

developments feature larger suites,

extra storage space, outdoor space

and child-friendly amenities.

A key component of building family-

friendly condominiums is designing

suites that are practical and appealing

to parents with young children. That

means creating units that maximize

living space to keep the homes

a� ordable, while ensuring there is

ample space to store toys and strollers.

Builders are doing this through

sacrifi cing bedroom size to increase

living room space and to provide

deeper closets.

Developers such as H&W

Development Corp. are building

condos with larger suites that cater

to purchasers starting a family or

already raising kids. The suites at

the company’s Fontana Condos

development in Markham average

about 800 sq. ft., and the two-

bedroom plus den layouts garner

lots of attention from families with

small children.

The family-sized suites are

complimented by a two-acre urban

park adjacent to the development

that H&W is building with the City

of Markham. The park was designed

with families in mind, and features

a playground for the kids and

plenty of benches for their

accompanying parents.

Other projects, such as The Eglinton

by Menkes Developments in Toronto,

bring the playground indoors. The

Eglinton features a kids room with

child-friendly fl ooring, furniture and

built-in stations with toys designed to

stimulate learning.

Menkes was inspired to create

the child focused amenity space

because of the increase in the

number of families moving into its

developments in recent years. To

design the room, the developer

visited Hong Kong and New York City

to gain inspiration from global high-

rise capitals where raising kids in

condos is the norm. They even met

with childhood development experts

to learn what to incorporate into the

room to keep children stimulated.

The room will start out unsta� ed but

as more families with young children

move into the building, it may evolve

into a learning centre with dedicated

sta� running activities like storytelling

and puppet shows.

Across the GTA, child-oriented

amenities are becoming more

common in condo projects.

Amenities at Tridel’s Islington Terrace

development will include both

indoor and outdoor spaces designed

for children. Inside there will be

a colourful Children’s Play Room

with plenty of tables for activities

such as arts and crafts. Outside the

development will have a dedicated

Children’s Play Zone with a splash pad.

Meanwhile, Tridel’s Metrogate

community o� ers two daycare centres

on site. One is already operational with

the second set to open in conjunction

with the Avani 2 project.


Bryan Tuckey is president and CEO of the Building Industry and Land Development Association and a land-use planner who has worked for municipal, regional and provincial governments. Follow him on Twitter @bildgta, facebook.com/bildgta, and bildblogs.ca

By Bryan Tuckey

A key component of building family-friendly condominiums is designing suites that are practical and appealing to parents with young children.

An excellent choice for first-time homebuyers



Condo living on the horizon for new families

Advice | BILD REPORT

AS PRICES OF NEW LOWRISE HOMES

in the GTA continue to reach all-time

highs, more and more families are

calling new condominiums home.

The GTA continues to grow, with up

to 36,000 new families formed every

year, and demand for family-friendly

condominiums is on the rise.

The building and land

development industry is responding

to the demand for family-friendly

condos and many new highrise

developments feature larger suites,

extra storage space, outdoor space

and child-friendly amenities.

A key component of building family-

friendly condominiums is designing

suites that are practical and appealing

to parents with young children. That

means creating units that maximize

living space to keep the homes

a� ordable, while ensuring there is

ample space to store toys and strollers.

Builders are doing this through

sacrifi cing bedroom size to increase

living room space and to provide

deeper closets.

Developers such as H&W

Development Corp. are building

condos with larger suites that cater

to purchasers starting a family or

already raising kids. The suites at

the company’s Fontana Condos

development in Markham average

about 800 sq. ft., and the two-

bedroom plus den layouts garner

lots of attention from families with

small children.

The family-sized suites are

complimented by a two-acre urban

park adjacent to the development

that H&W is building with the City

of Markham. The park was designed

with families in mind, and features

a playground for the kids and

plenty of benches for their

accompanying parents.

Other projects, such as The Eglinton

by Menkes Developments in Toronto,

bring the playground indoors. The

Eglinton features a kids room with

child-friendly fl ooring, furniture and

built-in stations with toys designed to

stimulate learning.

Menkes was inspired to create

the child focused amenity space

because of the increase in the

number of families moving into its

developments in recent years. To

design the room, the developer

visited Hong Kong and New York City

to gain inspiration from global high-

rise capitals where raising kids in

condos is the norm. They even met

with childhood development experts

to learn what to incorporate into the

room to keep children stimulated.

The room will start out unsta� ed but

as more families with young children

move into the building, it may evolve

into a learning centre with dedicated

sta� running activities like storytelling

and puppet shows.

Across the GTA, child-oriented

amenities are becoming more

common in condo projects.

Amenities at Tridel’s Islington Terrace

development will include both

indoor and outdoor spaces designed

for children. Inside there will be

a colourful Children’s Play Room

with plenty of tables for activities

such as arts and crafts. Outside the

development will have a dedicated

Children’s Play Zone with a splash pad.

Meanwhile, Tridel’s Metrogate

community o� ers two daycare centres

on site. One is already operational with

the second set to open in conjunction

with the Avani 2 project.


Bryan Tuckey is president and CEO of the Building Industry and Land Development Association and a land-use planner who has worked for municipal, regional and provincial governments. Follow him on Twitter @bildgta, facebook.com/bildgta, and bildblogs.ca

By Bryan Tuckey

A key component of building family-friendly condominiums is designing suites that are practical and appealing to parents with young children.

An excellent choice for first-time homebuyers



Property Profile | THE DANIELS CORPORATION

SINCE THE DANIELS CORPORATION introduced

Lighthouse Tower last fall, sales have been

brisk at the first residential condominium in

this master-planned, mixed-use community. At

Lower Jarvis and Queens Quay East – a stone’s

throw to Sherbourne Common, the Water’s Edge

Promenade and Sugar Beach – this new gateway

to Toronto’s East Bayfront is also a pleasant stroll

or bike ride to the St. Lawrence Market, Distillery

District, Union Station, and just minutes to Billy

Bishop Airport and Toronto Island Ferry Terminal.

With TTC access and dedicated bike lanes easily

accessible, this location is an urban sensation.

Plus, within Daniels Waterfront – City of the Arts,

Sugar Beach North will be a tree-lined public

amenity space for outdoor celebrations and The

Yard pedestrian laneway will be lined with eateries

and retail venues for the ultimate in convenience.

Lighthouse Tower… A shining star from every direction

One of the best things about living at Lighthouse

Tower will be the views; Giannone Petricone

Associates Inc. designed the building to maximize

the vistas in all directions. Today, you’ll find a

spectacular selection of west-facing suites that

offer scintillating, ever-changing views. From the

bustling urban scene of shoppers and business

people rushing to their destinations during the

daytime, to thousands of lights peppering the

night sky and the breathtaking sunsets that

City of the ArtsLive, work, play, learn and create in Toronto’s hottest new waterfront community

transform one into the other, the views are

dynamic and inspiring.

Rising to 45 storeys, Lighthouse Tower’s

interiors are designed by Cecconi Simone, who

also appointed the fabulous model suite. With

a vision of attracting buyers with an artistic

sensibility, the model is anchored by a white

colour palette on which owners can infuse their

personality into their surroundings.

Smart layouts provide all the space for an exclusive and luxurious waterfront lifestyle

Daniels’ smart suite layouts come with superb

appointments including nine-ft. ceiling heights in

the principal rooms. Luxury underfoot will range

from laminate flooring to imported porcelain

and ceramics. The contemporary kitchens –

custom designed by Cecconi Simone – will

feature quartz countertops, Miele appliances and

enhanced bathroom vanities. Lighthouse Tower

suite choices, starting from $279,900, include

studio, one-bedroom, one-bedroom plus den

and two-bedroom layouts, spacious gallery

suites and penthouses are also available.

Visit the fully furnished model suite at the

presentation centre at 162 Queens Quay E.,

open Monday to Thursday 11 a.m. to 7 p.m.,

weekends and holidays noon to 6 p.m.,

Fridays, closed. Call 416.221.3939 or visit

danielswaterfront.com

Lighthouse TowerThe Yard


GARDINER EXPY

QUEENS QUAY E

LAKE SHORE BLVD E

LOWER JARVIS ST

YONGE ST

RICHARDSON ST

LAKEONTARIO

GARDINER EXPY

QUEENS QUAY E

LAKE SHORE BLVD E

LOWER JARVIS ST

YONGE ST

RICHARDSON ST

LAKEONTARIO

GARDINER EXPY

QUEENS QUAY E

SUGARBEACH

LAKE SHORE BLVD E

LOWER JARVIS ST

YONGE ST

RICHARDSON ST

LAKEONTARIO

GARDINER EXPY

QUEENS QUAY E

SUGARBEACH

LAKE SHORE BLVD E

LOWER JARVIS ST

YONGE ST

RICHARDSON ST

LAKEONTARIO

GARDINER EXPY

QUEENS QUAY E

SUGARBEACH

LAKE SHORE BLVD E

LOWER JARVIS ST

YONGE ST

RICHARDSON ST

LAKEONTARIO

Presentation Centre162 Queens Quay East Monday to Thursday: 11am - 7pmWeekends & Holidays: 12pm - 6pmFridays: closed

416.221.3939DANIELSWATERFRONT.COM

SEE OUR FULLY FURNISHED MODEL SUITE

The Daniels Corporation proudly introduces the west facing suites of Lighthouse Tower at Daniels Waterfront – City of the Arts, a master-planned, mixed-use community surrounded by creativity, inspired by arts and driven by innovation. This visionary gateway to the East Bayfront, where Lower Jarvis meets Queens Quay, ushers in a new era of living, with awe inspiring views, exceptional amenities, luxurious suites and endless conveniences at your doorstep, including Sugar Beach North, a promenade featuring retail and public art, linking to Canada’s iconic sandy Sugar Beach to the south.

NOW ON SALE I SUITES FROM $279,900

Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artist’s concept. Prices and specifi cations are subject to change without notice. E.& O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited. Actual view may not be exactly as shown. *5% deposit program available on select suites only, for a limited time.

SPECTACULAR CITY VIEWS STEPS FROM THE WATER. OWN THE BEST OF BOTH.

ON VALENTINE’S WEEKEND, WE’RE OFFERING FIRST-TIME HOME BUYERS A SUPER SWEET DEAL. FOR A LIMITED TIME ONLY, YOU CAN OWN AT LIGHTHOUSE TOWER FOR JUST 5% DOWN*.

SATURDAY, FEBRUARY 13TH, 11AM-12PMPRESENTATION STARTS AT 11:15AMSEATS ARE LIMITED. REGISTER [email protected]

LIVING AT SUGAR BEACH IS NOW WITHIN REACH!

FIND OUT HOW. REGISTER FOR OURFIRST-TIME HOME BUYER SEMINAR

WATF 44840 CNY Your First Home Ad FA.indd 1 1/22/16 3:17 PM

GARDINER EXPY

QUEENS QUAY E

LAKE SHORE BLVD E

LOWER JARVIS ST

YONGE ST

RICHARDSON ST

LAKEONTARIO

GARDINER EXPY

QUEENS QUAY E

LAKE SHORE BLVD E

LOWER JARVIS ST

YONGE ST

RICHARDSON ST

LAKEONTARIO

GARDINER EXPY

QUEENS QUAY E

SUGARBEACH

LAKE SHORE BLVD E

LOWER JARVIS ST

YONGE ST

RICHARDSON ST

LAKEONTARIO

GARDINER EXPY

QUEENS QUAY E

SUGARBEACH

LAKE SHORE BLVD E

LOWER JARVIS ST

YONGE ST

RICHARDSON ST

LAKEONTARIO

GARDINER EXPY

QUEENS QUAY E

SUGARBEACH

LAKE SHORE BLVD E

LOWER JARVIS ST

YONGE ST

RICHARDSON ST

LAKEONTARIO

Presentation Centre162 Queens Quay East Monday to Thursday: 11am - 7pmWeekends & Holidays: 12pm - 6pmFridays: closed

416.221.3939DANIELSWATERFRONT.COM

SEE OUR FULLY FURNISHED MODEL SUITE

The Daniels Corporation proudly introduces the west facing suites of Lighthouse Tower at Daniels Waterfront – City of the Arts, a master-planned, mixed-use community surrounded by creativity, inspired by arts and driven by innovation. This visionary gateway to the East Bayfront, where Lower Jarvis meets Queens Quay, ushers in a new era of living, with awe inspiring views, exceptional amenities, luxurious suites and endless conveniences at your doorstep, including Sugar Beach North, a promenade featuring retail and public art, linking to Canada’s iconic sandy Sugar Beach to the south.

NOW ON SALE I SUITES FROM $279,900

Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artist’s concept. Prices and specifi cations are subject to change without notice. E.& O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited. Actual view may not be exactly as shown. *5% deposit program available on select suites only, for a limited time.

SPECTACULAR CITY VIEWS STEPS FROM THE WATER. OWN THE BEST OF BOTH.

ON VALENTINE’S WEEKEND, WE’RE OFFERING FIRST-TIME HOME BUYERS A SUPER SWEET DEAL. FOR A LIMITED TIME ONLY, YOU CAN OWN AT LIGHTHOUSE TOWER FOR JUST 5% DOWN*.

SATURDAY, FEBRUARY 13TH, 11AM-12PMPRESENTATION STARTS AT 11:15AMSEATS ARE LIMITED. REGISTER [email protected]

LIVING AT SUGAR BEACH IS NOW WITHIN REACH!

FIND OUT HOW. REGISTER FOR OURFIRST-TIME HOME BUYER SEMINAR

WATF 44840 CNY Your First Home Ad FA.indd 1 1/22/16 3:17 PM027-Daniels-Lighthouse 02-06-16.indd 27 2016-02-02 11:47 AM


IF YOU’RE PLANNING to buy a

condo as your fi rst home, here’s an

important lesson: proximity to major

transit hubs such as subway stations

is great for convenience, but it’ll

cost you.

How much? We’ll get to that in a

minute. But if you’re willing to walk a

little between home and the station,

you’ll be in for signifi cant savings.

Andrew Scott, senior market analyst,

housing markets and indicators,

Canada Mortgage and Housing Corp.

(CMHC), attaches some hard numbers

to the concept as it relates to the

Toronto highrise market.

Proximity to transit as a key

driver of real estate is not a new

concept; we’ve long known that

there’s a price to pay for access

and convenience.

“Distance is now measured in

minutes, not kilometres,” is how

the Real Estate Investment Network

(REIN) sums it up transportation as

one of the most dramatic catalysts for

real estate growth.

Generally, one of the attributes

coveted by homebuyers is nearness

to a city’s Central Business District

(CBD). Access to good highway

systems, mass transit and commuter

rail is sought to a� ord easy access to

the CBD.

The basic theory in real estate is

that the more attractive the location,

the higher the value of the home.

As the demand for homes in that

area expands, the result is higher

housing values.

In its study of the Greater

Toronto Area, REIN has found that

transportation projects will deliver

a 10- to 20-per-cent enhancement

of real estate values in the regions

most a� ected. If the market goes

up everywhere, these areas will

increase by about 10 to 20 per

cent more. If the values drop,

Trending

these will drop by 10 to 20 per

cent less.

The concept is not just a Toronto

phenomenon, or even a Canadian

one. Studies of the e� ect of

transportation improvements on

real estate around the world have

shown that value increases occur

for properties located within 500

to 800 metres of stations on new

transportation lines.

Several Toronto neighbourhoods

are expected experience such value

MORE TRENDING ONLINEypnexthome.ca/news

Buying a condo? The more you walk, the more you save

By Wayne Karl

increases when new rapid transit

stations are completed.

Future transit developments in Toronto that will shape highrise developments

» Toronto-York Spadina

Subway Extension

» Eglinton Crosstown

» Sheppard East LRT

» Scarborough Subway Expansion

» Finch West LRT

» SmartTrack

Walking distance Average price

per square foot

Less than 500 metres $632

500 to 999 metres $595

1,000 to 1,999 metres $557

More than 2,000 metres $492SOURCE: CMHC

Average new condominium price by walking distance from subway

PLANNING TO BUY your fi rst home and

not sure where to begin? Here are six

homebuying tips to help you prepare.

1. GET WITH THE PROGRAMS

There are various government programs

available to help you buy a home.

Home Buyers’ Plan (HBP): The

HBP allows fi rst-time buyers to

withdraw up to $25,000 from their

RRSP to put toward a down payment

on a home. You have up to 15 years

to repay the funds.

First-Time Home Buyers’ Tax

Credit (HBTC): Eligible fi rst-time

buyers can apply for the FTHB to

help o� set the costs associated with

purchasing a home, such as legal fees,

disbursements and land transfer taxes.

The credit can provide up to $750 in

federal tax relief.

More information on these programs

is available at cra.gc.ca

2. CONDOS ARE A GOOD BUY

First-time buyers can buy a home

with as little as fi ve per cent of the

purchase price as a down payment

– as long as the property is less than

$500,000. Anything higher than that,

and the minimum down payment for

the portion of the price higher than

$500,000 is 10 per cent. So, assuming

your price range is at that threshold,

you’ll need to come up with at least

$25,000.

At that purchase price, depending

on the market you’re in, this could

mean you’d then be looking at condo,

instead of a lowrise home.

While that may not be your fi rst

choice as a homebuyer, consider

this: for 2015, the average price of a

new highrise condo in the GTA was

$453,083; the average price of a new

lowrise home was $829,766.

3. CHECK WITH THE BANKOF MOM AND DAD

If your parents are baby boomers

who have had the good fortune of

building equity over the years as they

Trending

6 homebuying tips for fi rst-timers

paid down their mortgage while the

value of their property multiplied,

well… they may be in a position to

help. Many buyers are hitting up the

bank of mom and dad. In the last two

years, 28 per cent of fi rst-time buyers

called on the bank of mom and dad

to help fi nance their purchase; from

2010 to 2014, only 17 per cent did.

4. BECOME TECH SAVVY

Mortgage consumers are becoming

very tech savvy. In Canada Mortgage

and Housing Corp.’s 2015 Mortgage

Consumer Survey, 78 per cent of

respondents researched online,

with 70 per cent using an mortgage

calculator to help determine their

payments. And social media is playing

a more important role – 20 per cent

used sites such as Facebook to learn

more, 17 per cent used a mobile

device, and of those, 22 per cent used

a mortgage related app. And all of

these fi gures are growing.

5. BEFRIEND A BROKER OR BANKER

Like many things in life, it’s all about

relationships. And whether you

use broker or a banker to secure

a mortgage, you’ll likely come to

value the relationship. In the same

CMHC survey, consumer loyalty

strengthened the longer people

stayed with their lender. But since

we’re talking about money, people

are willing to switch lenders to

get a better rate and save – a fact

which is much more prevalent for

bankers than brokers. And because

brokers are able to o� er products

from multiple lenders, as opposed to

bankers who o� er only the products

of their own institution, the market

share held by brokers is growing

notably, particularly among repeat

buyers.

6.RESEARCH, RESEARCH, RESEARCH

These days, with prices rising as they

are and uncertainty in some markets,

thorough research is an absolute must.

Everything from your target area,

desired housing type, builder or realtor,

fi nances, how much you can a� ord,

who you borrow from and the structure

of your mortgage – take your time.

Take months. Don’t rush anything.

Anything.


By Wayne Karl



IF YOU’RE PLANNING to buy a

condo as your fi rst home, here’s an

important lesson: proximity to major

transit hubs such as subway stations

is great for convenience, but it’ll

cost you.

How much? We’ll get to that in a

minute. But if you’re willing to walk a

little between home and the station,

you’ll be in for signifi cant savings.

Andrew Scott, senior market analyst,

housing markets and indicators,

Canada Mortgage and Housing Corp.

(CMHC), attaches some hard numbers

to the concept as it relates to the

Toronto highrise market.

Proximity to transit as a key

driver of real estate is not a new

concept; we’ve long known that

there’s a price to pay for access

and convenience.

“Distance is now measured in

minutes, not kilometres,” is how

the Real Estate Investment Network

(REIN) sums it up transportation as

one of the most dramatic catalysts for

real estate growth.

Generally, one of the attributes

coveted by homebuyers is nearness

to a city’s Central Business District

(CBD). Access to good highway

systems, mass transit and commuter

rail is sought to a� ord easy access to

the CBD.

The basic theory in real estate is

that the more attractive the location,

the higher the value of the home.

As the demand for homes in that

area expands, the result is higher

housing values.

In its study of the Greater

Toronto Area, REIN has found that

transportation projects will deliver

a 10- to 20-per-cent enhancement

of real estate values in the regions

most a� ected. If the market goes

up everywhere, these areas will

increase by about 10 to 20 per

cent more. If the values drop,

Trending

these will drop by 10 to 20 per

cent less.

The concept is not just a Toronto

phenomenon, or even a Canadian

one. Studies of the e� ect of

transportation improvements on

real estate around the world have

shown that value increases occur

for properties located within 500

to 800 metres of stations on new

transportation lines.

Several Toronto neighbourhoods

are expected experience such value


Buying a condo? The more you walk, the more you save

By Wayne Karl

increases when new rapid transit

stations are completed.

Future transit developments in Toronto that will shape highrise developments

» Toronto-York Spadina

Subway Extension

» Eglinton Crosstown

» Sheppard East LRT

» Scarborough Subway Expansion

» Finch West LRT

» SmartTrack

Walking distance Average price

per square foot

Less than 500 metres $632

500 to 999 metres $595

1,000 to 1,999 metres $557

More than 2,000 metres $492SOURCE: CMHC

Average new condominium price by walking distance from subway

PLANNING TO BUY your fi rst home and

not sure where to begin? Here are six

homebuying tips to help you prepare.

1. GET WITH THE PROGRAMS

There are various government programs

available to help you buy a home.

Home Buyers’ Plan (HBP): The

HBP allows fi rst-time buyers to

withdraw up to $25,000 from their

RRSP to put toward a down payment

on a home. You have up to 15 years

to repay the funds.

First-Time Home Buyers’ Tax

Credit (HBTC): Eligible fi rst-time

buyers can apply for the FTHB to

help o� set the costs associated with

purchasing a home, such as legal fees,

disbursements and land transfer taxes.

The credit can provide up to $750 in

federal tax relief.

More information on these programs

is available at cra.gc.ca

2. CONDOS ARE A GOOD BUY

First-time buyers can buy a home

with as little as fi ve per cent of the

purchase price as a down payment

– as long as the property is less than

$500,000. Anything higher than that,

and the minimum down payment for

the portion of the price higher than

$500,000 is 10 per cent. So, assuming

your price range is at that threshold,

you’ll need to come up with at least

$25,000.

At that purchase price, depending

on the market you’re in, this could

mean you’d then be looking at condo,

instead of a lowrise home.

While that may not be your fi rst

choice as a homebuyer, consider

this: for 2015, the average price of a

new highrise condo in the GTA was

$453,083; the average price of a new

lowrise home was $829,766.

3. CHECK WITH THE BANKOF MOM AND DAD

If your parents are baby boomers

who have had the good fortune of

building equity over the years as they

Trending

6 homebuying tips for fi rst-timers

paid down their mortgage while the

value of their property multiplied,

well… they may be in a position to

help. Many buyers are hitting up the

bank of mom and dad. In the last two

years, 28 per cent of fi rst-time buyers

called on the bank of mom and dad

to help fi nance their purchase; from

2010 to 2014, only 17 per cent did.

4. BECOME TECH SAVVY

Mortgage consumers are becoming

very tech savvy. In Canada Mortgage

and Housing Corp.’s 2015 Mortgage

Consumer Survey, 78 per cent of

respondents researched online,

with 70 per cent using an mortgage

calculator to help determine their

payments. And social media is playing

a more important role – 20 per cent

used sites such as Facebook to learn

more, 17 per cent used a mobile

device, and of those, 22 per cent used

a mortgage related app. And all of

these fi gures are growing.

5. BEFRIEND A BROKER OR BANKER

Like many things in life, it’s all about

relationships. And whether you

use broker or a banker to secure

a mortgage, you’ll likely come to

value the relationship. In the same

CMHC survey, consumer loyalty

strengthened the longer people

stayed with their lender. But since

we’re talking about money, people

are willing to switch lenders to

get a better rate and save – a fact

which is much more prevalent for

bankers than brokers. And because

brokers are able to o� er products

from multiple lenders, as opposed to

bankers who o� er only the products

of their own institution, the market

share held by brokers is growing

notably, particularly among repeat

buyers.

6.RESEARCH, RESEARCH, RESEARCH

These days, with prices rising as they

are and uncertainty in some markets,

thorough research is an absolute must.

Everything from your target area,

desired housing type, builder or realtor,

fi nances, how much you can a� ord,

who you borrow from and the structure

of your mortgage – take your time.

Take months. Don’t rush anything.

Anything.


By Wayne Karl


LOOKING FOR A NEW HOME?

Brand new name, same great app. Everything you need to know to buy or rent your next home.

we can help!

DOWNLOAD THE APP

30 YPNEXTHOME.CA

030-YP-WeCanHelp 02-06-16.indd 30 2016-02-02 1:22 PM

*The 5% deposit program, parking and locker combination, as well as cash incentives ($20,000 cash back on studio and one bedroom suites, $25,000 on one bedroom + den or larger suites) are available on selected suites for a limited time only. Other conditions may apply. See Sales Representative for full details. Exclusive Listing: City Life Realty Ltd. Brokerage. Brokers Protected. Prices and specifications are subject to change without notice. Illustrations are artist’s concepts. E. & O.E.

PICTURE YOURSELF LIVING IN HIGHPARK this year

PRESENTATION CENTRE:1830 Bloor St. West

Mon and Tues: 12-6pm Wed: 12-8pmSat, Sun and Holidays: 12-5pmthurs and Fri: closed

416. 351. 1844 DANIELSHIGHPARK.COM

Model suite TOURS BY APPOINTMENT OR Drop by our open house

Wednesdays, 4-8pmsaturdays, 1-4pm

Buy with 5% down*

parking + locker $9,800*

up to $25,000 cash back*

Suites from $299,900BLOOR ST. W.

PAR

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DUNDAS ST W

DUNDAS ST W

DUNDAS ST W

DUNDAS ST W

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S KINGSWAY

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LAKESHORE BLVD

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HIGH PARK

HIGH PARK ZOO

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SCHOOL

ST. JOSEPH’SHEALTH CENTREW

EST POND THE QUEENSWAY

HIGH PARKSWIMMING POOL

THE GRENADIER

SWANSEATENNIS CLUB

ST. VINCENTDE PAULSEPARATESCHOOL

BISHOP

MORROCCO

/ THOMAS

MERTON

CATHOLIC

SECONDARY

SCHOOL

BLOOR

GO STATION RAIL

FERN AVENUEPUBLIC SCHOOL

SWANSEA PUBLIC SCHOOL

HUMBERCINEMAS

ANNETTE ST

BABY POINT RD

ANNETTE ST

BLOOR ST W

JAN

E ST

KEELE ST.

RUN

NYM

EDE RD

BLOOR ST W

SUNNYSIDEPARK

RENNIEPARK

SOUTHHUMBER

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GRENADIERPOND

HUMBERRIVER

LAKE ONTARIO

ST. PIUS XSEPARATE SCHOOL

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Mountview

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Pacific Ave.

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Quebec A

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Glendonw

ynne Rd.

PRESENTATIONCENTRE

Overlooking Toronto’s largest urban park, nestled on the edge of the trendy Bloor West Village, and up the street from two TTC stations, we think

you’ll find HighPark Condominiums’ smorgasbord of conveniences truly sweet! And, for a limited time only, we’re offering some pretty “suite” deals!

DANHPK16014 CondoGuide First-Time Buyer Ad Holiday.indd 1 2016-01-05 12:24 PM031-Daniels-HighPark 02-06-16.indd 31 2016-02-02 11:47 AM

LOCATION. LOCATION. LOCATION.LOCATION. LOCATION. LOCATION.LOCATION. LOCATION. LOCATION.We’re happy to say you can fi nd a Mattamy Homes community almost anywhere in

and around the GTA. Which means you never have to settle for less than Mattamy’s

thoughtful architecture and thoroughly master-planned communities – designed

for how modern families really live. Now, how you want to live meets where you

want to live.

FOR MORE INFORMATION VISIT

MATTAMYHOMES.COM

Mattamy Model Home Interior

MATGTA - All Sites - Brand Ad - Your First Home Due: 22/01/2016

File Name: MATGTA-Brand_YourFirstHome_Mag Publication: Your First Home

Trim: 7.5” x 10.5” Safety/V.O.: 0.5” DPI: 300

Bleed: 0.25 Colours: CMYK Built: 21/01/2016 – JND

MATGTA-Brand_YourFirstHome_Mag.indd 1 2016-01-27 2:32 PM032-Mattamy-Corp 02-06-16.indd 1 2016-02-02 11:47 AM

Documents

Your First Home & Condo - Spring 2016