bc new homes guide - feb 06, 2015

Discover Townhome Living withExclusive Clubhouse from $269,900604.607.7801 or polyhomes.com

Feb 06 - 20, 2015 Volume 23 Issue 03

INSIDE THIS ISSUE

CHINESE NEW YEAR: YEAR OF THE SHEEP

FUTURE-PROOF BY REFINANCING NOW

HOW’S YOUR FINANCIAL FITNESS?

NewHomeAndCondoGuide.ca

A BETTER HOME.From deliberating every detail and making the most of every inch to creating

beautiful street appeal, our obsession with design is evident in each home we build.

CLAYTON MARKETAVAILABLE EARLY 2015

FREMONT INDIGONEW HOMES NEW DESIGN

YORKOWN FROM $1,049/MO*

*Please ask us for details. E.&O.E.

FREMONT GREENOWN FROM $700/MO*

WILLOUGHBY, LANGLEY604.882.6758

CLAYTON, SURREY604.574.5735

FREMONT, PORT COQUITLAM604.468.0084

FREMONT, PORT COQUITLAM604.552.0319

See the design-driven di� erence. Visit a MOSAIC Home Store or

mosaichomes.com

FEBRUARY 6 - 20, 2015 | METRO VANCOUVER NEW HOME GUIDE 5

This is not an offering for sale. Any such offering must be made with a Disclosure Statement. *Prices and promotion are subject to change. E & O.E.

FINAL 8

HO

MES

MO

VE IN

NEX

T MO

NTH

!

3 BEDROOM TOWNHOMES

STARTING AT $539K

OPEN SATURDAY AND SUNDAY 1 - 4 PM OR BY APPOINTMENT

3

CANOE Join us Saturday Feb. 7th as we release 14 new homes to market.

Homes include single family, triplex and townhomes. Come discover Canoe in Port Royal, a unique collection of triplex, townhomes and single family homes. Starting from $439,900. NOW SELLING! Call or visit: 604.544.2258 or Aragon.ca/Canoe

260 EWEN AVENUE, NEW WEST

#ARAGONFORWARD

SKINNY ISN’TALWAYS BETTER.IN OUR HOME,BIG IS BEAUTIFUL.

*Pri

ces

and

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Aragon Properties Ltd.

contentsFEBRUARY 6 - 20, 2015 || VOLUME 23 ISSUE 3

special features12 Editor’s Note

ON THE COVER

Discover Townhome Living withExclusive Clubhouse from $269,900604.607.7801 or polyhomes.com

Feb 06 - 20, 2015 Volume 23 Issue 03

INSIDE THIS ISSUE

CHINESE NEW YEAR: YEAR OF THE SHEEP

FUTURE-PROOF BY REFINANCING NOW

HOW’S YOUR FINANCIAL FITNESS?

NewHomeAndCondoGuide.cap. 16BRIGHTON

Fun and family-ready in

West AbbotsfordJanine Mackie

30

features30 Happy Chinese

New Year!What you can expect in the Year of the Sheepby Michelle Hopkins

42 The $1 Million HomeExploring the million dollar market in the Lower Mainlandby Stephanie MacDonald

in the news24 Bank of Canada

BoC surprises everyone by cutting interest rates

columns21 Buyer Profile

William and Lina are in love with Canoeby Susan M Boyce

36 Homebuyer’s HelpSome resolutions to get you into a new home this yearby Kara Kuryllowicz

48 Mind over MortgageWhat the new BoC rates really mean for Canada, and youby Jorge and Alissa Aragon

50 Inside MortgagesFuture-proof your loans through refinancingby Kris Grasty

54 Style FileIt’s all about luxury!by Yanic Simard

60 Money MattersHow is your financial fitness?by Gail Vaz-Oxlade

homebuyers’ help68 On the Horizon

Checking out what’s hot and new in the Lower Mainland’s residential marketplace and beyondby Susan M Boyce

72 Listing DirectoryComplete listings of more than 250 new-home developments throughout Vancouver and the Lower Mainland

PRESIDENT, WALL2WALL MEDIA

Jacqueline HillEDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan LeggeDIRECTOR OF SALES, NATIONAL

Josh HeppnerSENIOR SALES MANAGER, WESTERN CANADA

Edwin RizarriART DIRECTOR

Megan PikeEDITORS

Stephanie MacDonald CONTRIBUTING EDITORS

Lydia McNutt

DESIGN EDITOR

Yanic Simard

MEDIA CONSULTANTS

Dave Bird 604.319.7102 Brenda Everitt 604.319.7103SALES COORDINATORS

Justin Salvador

PRODUCTION MANAGER

Bala GnanapandithanPRODUCTION CO-ORDINATOR

Hannah Yarkony

CONTRIBUTING EDITORIAL WRITERS

Susan M Boyce Janine Mackie

The Vancouver New Home Guide is a free publication published 25 times per year. Submit articles or advertising to Suite 102 - 4180 Lougheed Highway, Burnaby BC V5C 6A7 PHONE 604.519.6080 FAX 604.519.6088 newhomeguide.ca

COPYRIGHT 2014 covers the contents of this publication and prevents reproduction in whole or in part: offenders will be prosecuted. We reserve the right to refuse any advertising, to make changes or edit advertising as necessary. Care will be taken to ensure copy accuracy but no warranty is implied or given by the publisher. The views and data expressed by columnists do not necessarily represent those of the publication.

Published By

district maps

42

14 Abbotsford

18 Burnaby/New West

22 Tri-Cities

26 Maple Ridge/ Pitt Meadows

34 Surrey/Langley

58 South Surrey/White Rock

As rates are dropping, opportunities are arising

Now’s the time to take advantage

Just when we thought interest rates couldn’t get any lower, the Bank of Canada’s decision to drop its key

lending rate to 0.75 per cent came as a surprise, and the big banks are following suit by reducing their mortgage rates. � e old adage, “expect the unexpected” has never been more true.

To prepare for the unexpected, get pre-approved for a mortgage. � ere are many excellent mortgage products available from banks and brokers that will suit your individual needs, and could well be lower than posted bank rates. With a pre-approval in hand, you’re protected if rates rise; if they go down (and TD has reportedly predicted that another drop in the Bank rate is coming!), then 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 o� er. � is is an especially good tool to have when markets are hot. Removing the “conditional on � nancing” clause could mean your o� er is accepted � rst since you already have your � nanc-ing in place.

So when will rates rise? It’s anyone’s guess, but most experts agree it’s unlikely there will be any signi� cant upward movement in 2015.

However, we can’t assume that will be the case, and you shouldn’t wait too long to get pre-approved for a mortgage. It can take a few days. Many lenders o� er online pre-approvals to make the process faster and easier.

Take advantage, while you still can!

//EDITOR’S NOTE

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

Follow me on Twitter at Twitter.com/SusanLegge

STEPHANIE MACDONALD EDITOR Wall2Wall [email protected]

Follow me on Twitter at Twitter.com/stephmacW2W

With the Bank of Canada rate drop last week, buying a home, even in this market,

just got a little bit easier. Experts agree, this may be the lowest rate for some time, so now may be a good moment to consider debt consolidation or mortgage re� nancing at a locked-in rate.

To help you make sense of this big news, Jorge and Alisa Aragon have a very handy breakdown of exactly how this rate move will a� ect our economy and you personally, and another of our talented mortgage experts, Kris Grasty, has some wonderful advice about how

now is a good time to future-proof your � nances right now by taking advantage of these low rates to re� nance some of your debt.

And this month we celebrate the Chinese New Year’s Year of the Sheep. Michelle Hopkins takes an in-depth look at some of the wonderful celebra-tions and cultural activities going on to mark this occasion, as well as some ways you can inject a little Chinese New Year spirit into your home decor.

Happy home hunting! I hope New Home Guide can help you in your successful search.

12 METRO VANCOUVER NEW HOME GUIDE | FEBRUARY 6 - 20, 2015

Welcome to the new collection of quality townhomes

at Arcadia in Yorkson; homes that appeal to both

the hearts and minds of young families. Enjoy the

warmth and comfort of lower energy costs with gas provided

by Fortis B.C. Arcadia offers a home that you can afford to

own and love.

Come home to Arcadia.

OPEN DAILY

from 12 – 5, except Fridays

20852 77A Ave. Langley

arcadialiving.ca 604.513.9090

Prices quoted exclude taxes, are subject to availability at time of visit and/or to change without prior notice. E.&O.E.

Added warmth provided by

Sales and Marketing by Fifth Avenue Real Estate Marketing Ltd. www.fifthave.ca

Exceptionally built for family life.

Up to 3 Bedrooms + Rec. Room

$294900 - $414900

MOVE IN THIS SPRING

Play. Love. Grow.


CED

AR S

TREE

TC

EDA

R S

TREE

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Wre

n St

reet

Wre

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reet

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Fraser CresentFraser Cresent

Slave

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LOUGHEED HWYLOUGHEED HWY

LOUGHEED HWYLOUGHEED HWY

7TH AVE7TH AVE

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MISSION

CHILLIWACKABBOTSFORD

A1. Brighton 30989 Westridge Place 604-607-7801

CHILLIWACK

B1. River Walk 5469 Chinook Street 604-703-9292

B2. Camden at the Falls 8361 Nixon Rd 604-794-5722

B3. Seasons at Cedar Sky 43685 Chilliwack Mountain Rd 604-991-8250

Yale Rd W Yale Rd W

Prairie Central RdPrairie Central Rd

Airport Rd

Airport RdAirport Rd

5th Ave5th Ave

Chilliwack Central Rd

Brooks Ave

Cheam AveCheam Ave

Hodgins Ave

Hodgins Ave

4th Ave4th Ave

3rd Ave3rd Ave

Cha

rles

StC

harle

s St

2nd Ave2nd Ave

1st Ave1st Ave1st Ave1st Ave

Chilliwack River Rd

Chilliwack River Rd

Young Rd

Young Rd

Knight RdKnight Rd

Evans

Rd

Evans

Rd

Watson RdWatson Rd

Web

ster

Rd

Web

ster

Rd

Stevenson RdStevenson Rd

Higginson RdHigginson Rd

Broa

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Pres

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Pres

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Pres

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Youn

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CottonwoodMall

CottonwoodMall

Luckakuck Way Luckakuck Way

ChilliwackMunicipal Airport

ChilliwackMunicipal Airport

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S SUMAS RD

KEITH WILSON RD

Pro

mon

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WatsonGlen ParkWatson

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Thomas RdThomas Rd

YALE

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South Fraser Way South Fraser Way

ClearbrookPark

ClearbrookPark

Old Yale Rd

Old Yale Rd

Old Yale Rd Old Yale Rd

McM

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McM

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King RdKing Rd

Tow

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Marshall RdMarshall RdMarshall RdMarshall Rd

Simpson RdSimpson Rd

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Huntingdon RdHuntingdon Rd

AbbotsfordInternational

Airport

AbbotsfordInternational

Airport

SUMAS WAY

SUMAS WAY

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McKeeMcKee

Old ClayburnTow

nlin

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Tow

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Mt Le

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Rd

Mt Le

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Lower Sumas M

tn.

ABBOTSFORD

ABBOTSFORD / MISSION / CHILLIWACK

A1

B2B3

B1

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Discover Townhome Living withExclusive Clubhouse from $269,900

Discover Brighton, a limited collection of two- and

three-bedroom townhomes at Polygon’s master-

planned community of Westerleigh in West Abbotsford.

Thoughtfully designed to complement the way you

want to live, modern interiors feature large, open living

spaces with gourmet kitchens. Enjoy Club West, the

luxurious 8,600 square foot, resort-style clubhouse

offering the ideal place to relax and refresh. Brighton

by Polygon – the perfect home for growing families.

NOW SELLIN

G

DOWNES RD

WESTRIDGE PL

ENNSBROOK DRBLUE RIDGE DR

MT

LEHM

AN

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TOW

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E RD

TRANS CANADA HWY

30989 Westridge Place, Abbotsford

Open Noon to 5pm daily (except Friday)

604.607.7801 [email protected]


ABBOTSFORD/MISSION/CHILLIWACK

//COVER STORY

» by JANINE MACKIE

Th ere’s nothing else like it in Abbotsford. Centred around an 8,400-square-foot private clubhouse facing the mountains with a movie screening room, fi tness centre, fi reside billiards lounge, kid’s indoor hockey arena and outdoor swimming pool, Westerleigh is Polygon’s landmark master-planned community in West Abbotsford.

Polygon’s thrilled to announce the launch of their newest collection of homes, Brighton -- two- and three-bedroom Tudor-style townhomes priced from just $269,900.

Th at’s relatively the same price as two-bedroom apartments in Abbotsford, yet at Brighton that aff ords singles, couples and families the freedom to step up in the market with a 1,200 to 1,400 sq.ft. townhome, with amazing amenities, attached garages and private fenced yard.

CLUB WEST: SWIM, SCREEN MOVIES, HOST A PARTY!“With many homes move-in ready, Brighton off ers a balanced lifestyle with access to Club West,” describes sales manager Judy Rohatyn. “Th is amazing clubhouse is the heartbeat of the community!”

What kid doesn’t dream of growing up with a swimming pool, parks to explore and buddies next door ready for a game of hide-and-seek or a lemonade stand? Inspired by families,

BRIGHTON is here. POLYGON DELIVERS FUN FACTOR TO WEST ABBOTSFORD WITH FAMILY-ORIENTED COMMUNITY

Club West


this master-planned community has received an exuberant response from homebuyers throughout the Fraser Valley including Surrey and Langley, and previous phases have sold out quickly.

Storybook details and countryside charm add to Brighton’s appeal. Designed by award-winning Formwerks Architectural Inc., Brighton delights buyers with its signature Tudor-style elements including steeply pitched roof lines, dormer windows, stately brick cladding and even charming flower boxes.

THREE FURNISHED SHOW HOMES NOW OPENConstruction is well underway at Brighton, and three show homes are open for buyers to experience the flow and functionality of each floor plan. Polygon’s legendary interior styling greets the beholder as they step inside the front entrance. Airy nine-foot ceilings are found throughout the main level, wide plank laminate wood flooring in gray oak or dark walnut set the scene and a true family kitchen awaits a good party.

The polished quartz countertops are

complemented with full-height imported ceramic tile backsplash, stainless steel appliances and contemporary cabinetry in white or teak with polished chrome pulls. And, living extends outdoors onto an entertainment-size patio or deck.

From convenient powder rooms to spa-like ensuites, bathrooms at Brighton are sophisticated examples of where great design meets every-day convenience: walk-in showers with glass doors, double his-and-her porcelain sinks, dual-flush toilets by American Standard and full length vanity mirrors with cosmetic light bars.

AFFORDABLITY AND QUALITY OF LIFE DR AW FAMILIES TO ABBOTSFORDAll the amenities and attractions of a modern urban core, right in the middle of one of the most scenic and bountiful agricultural areas in Canada – Brighton neighbours some of the most beautiful parks and green spaces in Western Canada. Pack a picnic and head to Mill Lake or hop on your bicycle to explore the meandering Discovery Trail which winds from park to park along creeks, lakes and fairgrounds from the west side of the city to the mountains in the east.

There’s the convenience of nearby Abbotsford International Airport and the West Coast Express running between Vancouver and the Mission City Station, as well as a great mix of local shops and services at HighStreet, just minutes from Brighton, featuring an outdoor market-style shopping experience with favourite destinations like H&M, Urban Barn, Marshall’s and Milestones.

Polygon is among the most well-established and highly respected home builders in BC. Discover the difference at Brighton. Sales centre and display homes are located at 30989 Westridge Place in Abbotsford. Open daily (except Fridays) noon to 5 p.m. Learn more at polyhomes.com or call 604-607-7801.

17

BURNABY

A1. Rivers Walk809 S Dyke Road(at Wood Street)Queensbourough604-533-3575

A2. Aviara1710 Gilmore Ave604-291-9130

A3. Britton7458 Britton St604-298-1313

A4. Thurston Street3748 Thurston St604-563-7001

A5. Lift 9350 University High St604-320-3386

A6. Highland Park6088 Beresford St. 604-671-5565

NEW WESTMINSTER

B1. Dominion 68 Sixth Street

604-525-8980

B2. Canoe 260 Ewen Ave

aragon.ca604-544-2258

BURNABY / NEW WESTMINSTER

HASTINGS ST

MCBRIDE

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KINGSWAY

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Sper

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Clif

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Broadway

Cumberland St

Royal

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8th St6th St

6th Ave8th Ave

8th Ave

Braid St

10th Ave

Southridge Dr

Griffiths Dr

10th Ave

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16th Ave

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SE Marine Dr

49th Ave Imperial St Imperial St Imperi

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Duncan St

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MARINE WAY MARINE WAY

MARINE WAY MARINE WAY

STEWARDSON WAY STEWARDSON WAY

Oakland St Oakland St

CentralPark

CentralPark

Deer Lake ParkDeer Lake Park

Queen’sPark

Queen’sPark

Squint Lake ParkSquint Lake Park

Burnaby MountainGolf Course

Burnaby MountainGolf Course

BurnabyMountain

Park

BurnabyMountain

Park

Barnet MarinePark

Barnet MarinePark

ConfederationPark

ConfederationPark

Burnaby Lake Regional ParkBurnaby Lake Regional Park

SFUSFU

BCITBCIT

BrentwoodMallBrentwoodMall

MetrotownMetrotown

LougheedMall

LougheedMall

Deer LakeDeer Lake

Greystone Dr

Greystone Dr

University Dr E University Dr E

University Dr W University Dr W

A2

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BURNABY/NEW WESTMINSTER

//BUYER PROFILE

» by SUSAN M BOYCE

There’s so much potential in the neighbourhood — it’s going to be good for all of us. — William

WILLIAM AND LINA AT CANOE

At Home in Port RoyalSometimes a few minutes change everything. William and Lina understand the concept well. Within minutes of the release of Canoe’s disclosure statement, the couple had become the very first homeowners in this newest phase at the Port Royal master planned community in Queensborough.

SPACE FOR LIVING LIFEThe couple had originally been considering a home in Burnaby or Vancouver. “But when we saw the prices for the size…” William shrugs. “All we would have been able to afford was a small two-bedroom apartment with low ceilings and not many windows. We didn’t like that idea at all.”

New Westminster was a totally different experience. “Here we’ve got a full, single-fami-ly house including a yard and a front porch,” William says. “Alex, our five year old son, has his own room — which he’s really excited about — and we still have two more bedrooms to spare.”

He was also impressed by the construction quality and intelligent design. “The way Aragon used the interior space is smart — no lost square footage in long corridors. It’s a great value.”

CLOSE TO WHAT COUNTSAs well, the couple appreciate Canoe’s proximity to the amenities they need and use. “I was surprised how easy and fast it is to get to downtown Vancouver for work,” William says.

“There’s a bus every 12 minutes or so to downtown, getting to Burnaby or Surrey is even easier, and even before we moved here, we were always shopping at the outlet stores just down the road.”

As a bonus, Alex’s new school is nearby, and after only two weeks William says he’s already enjoying himself and making friends.

PUTTING DOWN ROOTSAfter spending almost a year living abroad in London, England, the family agree they’re all looking forward to settling down in their new home. “We took possession just before Christmas, but moving over the holidays is no fun so we rented a furnished apartment in downtown Vancouver for a month,” William says.

Moving day was very early in the New Year, although the memory of the actual move is already fading — thankfully. “I was completely exhausted,” he says with a gentle smile of acceptance. “But we did manage to celebrate and we’ve bought some new furniture. After all, we’re probably going to be here for a long time. There’s so much potential in the neighbourhood — it’s going to be good for all of us.”

The Canoe presentation centre is located at 260 Ewen Avenue in New Westminster. For more information visit aragon.ca/canoe or call 604.544.2258.

William, Lina and Alex in Paris


COQUITLAM

A1. Burke Mountain Heights

3498 Princeton Ave.778-285-6299

A2. Secret Ridge#107 - 3458 Burke Village www.secretridge.ca

A3. Black&Whites Foster Ave/Burquitlam blackandwhites.ca

A4. Nest 638 Regan Avenue 604-492-4123

PORT COQUITLAM

B1. Fremont Blue2332 Ranger Lane 604-552-0319

COQUITLAM / PORT COQUITLAM / PORT MOODY

LOUGHEED HWY

MARY HILL BYPASS

LOUGHEED HWY

BARNET HWYST JOHNS ST

LOU

GH

EED

HW

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LOUGHEED HWY

Dewdney Trunk Rd

Austin Ave

Lint

on S

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Dewdney Trunk Rd

Heritage Mountain Blvd

Ioco RdLansdowne Dr

David Ave

Thermal D

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Lincoln Ave

Dominion Ave

Victoria Dr

Victor

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Prairie Ave

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Smith Ave

Como Lake Ave

Dewdney Trunk Rd

Ford Rd

210t

h St

Dewdney Trunk Rd

River Rd

Dewdney Trunk Rd

108th Ave

104th Ave

102th Ave

Jack

son

Maclure Dr

203r

d St

207t

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Har

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Hammond Rd

Har

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S B

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216t

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123rd Ave124th Ave

224t

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227t

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228t

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224t

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116th Ave

Kanaka Way

232r

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240t

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240t

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nd St

Brunette Ave Dawes Hill Rd

Blu

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ain

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Way

Shau

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Mundy ParkMundy Park

ComoLakePark

ComoLakePark

Colony FarmRegional ParkColony Farm

Regional Park

MeadowGardens

Golf Course

MeadowGardens

Golf Course

Derby ReachRegional ParkDerby ReachRegional Park

Golden EarsBridge

Golden EarsBridge

KanakaCreek

RegionalPark

KanakaCreek

RegionalPark

InletParkInletPark

Rocky PointPark

Rocky PointPark

ShorelinePark

ShorelinePark

PioneerMemorial

Park

PioneerMemorial

Park

RidgePark

RidgePark

TownCentrePark

TownCentrePark

Pitt MeadowsAirport

Pitt MeadowsAirport

Fraser River Fraser River

CoquitlamCentre

CoquitlamCentre

John

son

St

Par

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Blvd

Plateau B

lvd

Pine

tree

Way

David Ave

110th Ave

BA RNET HW

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A1 A2

A3

A4

B1

mosaichomes.com

* Please ask us for details. E.&O.E.

OWN FROM $700/mo*

AAAAAAA

Client: Intracorp (Black+Whites)

Publication:

New Home Buyers Guide

Insertion:

Size: 7.25”w x 9”h

Colour:

4C processCoercion Design Inc.

604.506.3383

Friday, Feb 6

NOW SELLINGThe Black+Whites on Foster Avenue are classic, light-filled three-storey townhomes in West Coquitlam. You get your own front

door, your own yard, attached parking and renowned Intracorp scrutiny of every last detail – at a price that you can afford. And

homes are ready for you to move in now. Don’t you wish all decisions in life could be so black+white?

Visit our two fully furnished display homes today.

MOVE IN READY

SALES CENTRE: 548 Foster Avenue Coquitlam

Open Noon - 5pm except Fridays

blackandwhites.ca

604.998.8998

3 + 4 bedroom townhomes

1230 - 1610 square feet

PRICED FROM $515,000

NO

RT

H R

OA

D

FOSTER AVENUE

NORTH

Prices and sizes are approximate. E&OE. Sales and Marketing by Intracorp Realty Ltd. Intracorp Foster Avenue Limited Partnership


COQUITLAM/PORT COQUITLAM/PORT MOODY

The Bank of Canada has announced that it is lowering its target for the overnight rate by one-quarter of one percentage point to 3/4 per cent. The Bank Rate is correspondingly one per cent and the deposit rate is 1/2 per cent. This decision is in response to the recent sharp drop in oil prices, which will be negative for growth and underlying inflation in Canada.

Inflation has remained close to the two-per-cent target in recent quarters. Core inflation has been temporarily boosted by sector-specific factors and the pass-through effects of the lower Canadian dollar, which are offsetting dis-inflationary pressures from slack in the economy and competition in the retail sector. Total CPI inflation is starting to reflect the fall in oil prices.

Oil’s sharp decline in the past six months is expected to boost global economic growth, especially in the United States, while widening the divergences among economies. Persistent headwinds from de-leveraging and lingering uncertainty will influence the extent to which some oil-importing countries benefit from lower prices. The Bank’s base-case projection assumes oil prices around US$60 per barrel. Prices are currently lower but the belief is that prices over the medium term are likely to be higher.

The oil price shock is occurring against a backdrop of solid and more broadly-based growth in Canada in recent quarters. Outside the energy sector, of note are increased foreign demand, stronger exports, improved business confidence and investment, and employment growth. However, there is considerable uncertainty about the speed with which this sequence will evolve and how it will be affected by the drop in oil prices. Business investment in the energy-producing sector will decline. Canada’s weaker terms of trade will have an adverse impact on incomes and wealth, reducing domestic demand growth.

Although there is considerable uncertainty around the outlook, the Bank is projecting real GDP growth will slow to about 1 1/2 per cent and the output gap to widen in the first half of 2015. The negative impact of lower oil prices will gradually be mitigated by a stronger U.S. economy, a weaker Canadian dollar, and the Bank’s monetary policy response. The Bank expects Canada’s economy to gradually strengthen in the second half of this year, with real GDP growth averaging 2.1 per cent in 2015 and 2.4 per cent in 2016. The economy is expected to return to full capacity around the end of 2016, a little later than was expected in October.

Weaker oil prices will pull down the inflation profile. Total CPI inflation is projected to be temporarily below the inflation-control range during 2015, moving back up to target the following year. Underlying inflation will ease in

the near term but then return gradually to two per cent over the projection horizon.

The oil price shock increases both downside risks to the inflation profile and financial stability risks. The Bank’s policy action is intended to provide insurance against these risks, support the sectoral adjustment needed to strengthen investment and growth, and bring the Canadian economy back to full capacity and inflation to target within the projection horizon.

The next scheduled date for announcing the overnight rate target is 4 March 2015.

Bank of Canada LOWERS OVERNIGHT RATE TARGET TO 3/4 PER CENT

The oil price shock is occurring against a

backdrop of solid and more broadly-based

growth in Canada in recent quarters. Outside

the energy sector, of note are increased foreign

demand, stronger exports, improved

business confidence and investment, and employment growth.

//IN THE NEWS


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Mundy ParkMundy Park

ComoLakePark

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Colony FarmRegional ParkColony Farm

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Derby ReachRegional ParkDerby ReachRegional Park

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InletParkInletPark

Rocky PointPark

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RidgePark

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TownCentrePark

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Fraser River Fraser River

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// CHINESE NEW YEAR

» by MICHELLE HOPKINS

Feb. 19th rings in the Chinese Year of the Sheep

THE SHEEP IS ALL ABOUT HOME, FAMILY AND SERENITY

On Feb. 19th we enter into the Chinese Year of the Wooden Sheep. The eighth sign in the zodiac is said to be congenial, a lover of peace, serenity and beautiful surroundings. The Sheep also represents love — love for family, loved ones and home.

So what does the Sheep mean for your home? Fresh design ideas and surprising combinations are ideal for attracting good luck in 2015. Wood and natural elements are in, along with nature’s rich bounty of earthy hues, says Sherman Tai, astrologer, author and Chinese fortune teller.

Bring a tranquil feel to your home with wooden furniture and art, interesting architectural elements, artwork and bold earth tones that the Sheep is attracted to - all shades of green, burgundy and purple. Add a pop of red into your home - Chinese New Year celebrations are bursting with bright colours, and red is symbolic of fortune, joy and life; therefore considered the luckiest hue of all.

The eighth sign in the zodiac is said to be congenial, a lover of peace, serenity and beautiful surroundings. The Sheep also represents love — love for family, loved ones and home.

MOE’s Juno Lacquer Bamboo Gourd Vase Tall Mandarin $59

“The Year of the Sheep is about open, uncluttered spaces — less furniture in the rooms,” says Tai, who is considered an expert in Chinese geomancy – the study of the interrelations between the sun, moon and earth.

Choosing the right feng shui home: Every one of us yearns to own a home – it provides us a sense of security and belonging. Hence, it is very important to pick the best one, says Tai. The feng shui of a house is determined by its geographical location, exterior and interior structure, the Five Elements, yin and yang forces and Astronomy.

Dubbed the Lunar New Year or Spring Festival, the celebrations last for 15 days. It’s not surprising that in Richmond — home to Canada’s largest per capita percentage of Chinese descendants — it hosts one of the continent’s most elaborate and authentic Chinese New Year celebrations.

SEE:Join the crowds of thousands who will flock to Richmond’s buzzing city centre, the Golden Village to welcome the Year of the Sheep with firecrackers, live music, costumed dances, delicious foods, and flower and gift fairs.

www.tourismrichmond.com/things-to-do/golden-village

DO:The juxtaposition of noises, smells and sights is intoxicating at the International Buddhist Temple. Modeled after the Forbidden City in Beijing, the Temple welcomes a quarter of a million visitors each year. Chinese New Year is one of the temple’s most exciting times of the year as thousands flock here to light bundles of incense, pay their respects and make offerings. The temple also features special Chinese New Year festivities from 10 a.m. to 5 p.m. on Feb. 14 to 19.

www.buddhisttemple.ca

Bring a tranquil feel to your home with

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architectural elements, artwork and bold

earth tones

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“The best home is one whose feng shui complements the destiny pillars of the occupants,” says Tai. “With good feng shui, wealth and prosperity will keep rolling in.”

He went on to explain that in feng shui, the environment is divided into “highs”, which he calls hills, and “lows” which refers to as water. Water represents wealth, while hills oversee the human factors.

“In the book Ba Men Zhai Xiang, which is a study of feng shui of buildings, “good” water flows in a horizontal steady stream, whereas “bad” water comes in torrents with no fixed direction,” explains Tai. “East is Wood, its shape rectangle and it represents spring.”

When it comes to cleaning your home, Chinese superstitions suggests you don’t sweep or clean the home during the 15 days of celebrations or the good luck will be swept right out the front door. However, in order to have good luck in your home, it’s strongly suggested you bring in freshly cut flowers – not a bad idea anytime of the year.

» ABERDEEN CENTRE Chinese New Year celebrations at Aberdeen Centre – Feb. 13 to 19 Aberdeen Centre undergoes a dramatic transformation with hundreds of red lanterns strung from balconies and colourful larger-than-life sized displays surrounding the mall’s indoor musical water fountain. Events go on throughout the week. Chinese New Year’s Eve countdown will be held on Wednesday, Feb. 18th from 8:30 pm to 12:30 a.m. in the main atrium. Entertainment includes performances by: B.C. Chinese Music Association, Vancouver Academy of Dance, Colors of Dance Academy and Vancouver Cantonese Opera. www.aberdeencentre.com

» LANSDOWNE CENTRE Lansdowne Centre’s opening ceremony on Feb. 21st starts at 12:30 p.m., with a traditional lion dance, a jaw-dropping martial arts demonstration, singing, dancing and cultural entertainment until 5 p.m. During this popular all-ages event, which draws an annual crowd of about 2,000 people, the Money God will be handing out lucky red envelopes and wishing all visitors good fortune. Additional performers include Chinese opera singers, youth ballroom dancers, a hip-hop dance crew, Japanese Okinawa style drummers and dancers, and a magician. www.lansdowne-centre.com

» RICHMOND CENTRE Watch a traditional lion dance on Sunday, February 22 starting at 2 p.m. www.richmondcentre.com

» PARKER PLACE MALL On Sunday, Feb. 22nd a traditional dragon dance will captivate the

crowd and on Monday, Feb. 23 a lion dance will bring good luck and good fortune to all in attendance. Also on Sunday, Feb. 22, Parker Place will host a variety show with singing, dancing and other special talents showcased. Chinese New Year celebrations run from 11 a.m. to 3 p.m. daily. www.parkerplace.com

VANCOUVER:

» COME SOAR OVER CHINA See both flight of the dragon and FlyOver Canada back-to-back Now through to March 05, 2015 Daily 10 a.m. to 9 p.m. Ride entrance times every 20 minutes FlyOver Canada is proud to bring back the popular flight ride experience “Flight of the Dragon” for a second season! www.flyovercanada.com.

» 42ND ANNUAL VANCOUVER CHINESE NEW YEAR PARADE Sunday, February 22, 2015 at 11 a.m. in historic Chinatown More than 50,000 people line Chinatown’s streets to watch traditional lion dance teams as well as marching bands and dance troupes. Pounding drums and firecrackers help ignite the excitement. www.cbavancouver.ca

» CELEBRATION AT

INTERNATIONAL VILLAGE Feb. 19th to 22nd A massive, free Chinese New Year event in Vancouver’s Chinatown featuring firecrackers, two levels of two levels of exhibition booths and live stage performances throughout the weekend. www.internationalvillagemall.ca

CALENDAR OF EVENTS

MOE’s Sturdy Bar Stool Red $185

Register today!www.MyronsMuse.com 604-380-1801Sales & Marketing by Coldwell Banker Westburn Realty & Sutton Group West C oast Realty.

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SURREYA1. Dawson + Sawyer

Guildford The Great 15340 Guildford Drive 778-293-2222

A2. South Creek 18012 68 Ave 604.372.0388

A3. Ashbury Hill 14833 - 61st Ave. 604-953-1211

A4. Panorama Station 5957 152nd 604-372-2275

A5. Clayton Heights 7310 - 191B Street 604-723-4497

A6. Madison 14356 63A Ave. 604-543-6262

A7. Brixton 14433 60 Ave 604-503-0488

A8. Uptown Clayton Village 19525 73rd Ave. 778-574-0146

A9. The Rockwoods 16241 - 84th Ave 604-503-1188

A10. Fusion 13886 62Ave 778-578-9779

A11. Redwood 6929 142 St 604-503-6929

A12. The Grove 68th Ave. & 194 St. 604-533-6968

A13. Eton 14888 - 62nd Ave. 604-953-0833

A14. Highlands at Sullivan Ridge 6085 - 146 St. 778-565-7768

A15. One 92 6685 192nd St. 604-576-1772

A16. Panorama Woods 6123 138th Street 778-593-9954

A17. Silverwood 84th Ave. & 164th St. 604-953-0288

A18. Blackberry Walk 14271 60th Ave. 604-501-6119

A19. One 44 5888 144 Street 604-503-6402

A20. Clayton Market 64th & Fraser Hwy. 604-574-5735

LANGLEYB1. Serenity

21017 76th Avenue 604.371.1538

B2. Exchange 7822 209th St. 604-535-8587

B3. Marquee 19752 55A Ave. 604-427-3550

B4. York 84th Ave & 207A St 604-533-1415

B5. Keaton 7686 209 Street 604-882-3733

B6. Summerhill 19938 70 Ave 604-418-7072

B7. Arcadia 208 St & 77A Ave 604-513-9090

B8. Evergreen at Yorkson 84 Ave & 206 St

B9. Parkside 20597 84th Ave 604-648-9428

B10. Murrayville House 5020-221A Street www.murrayvillehouse.com

FRASER HWY

176T

H S

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FRASER HWY

80th Ave 80th Ave

200t

h St

208t

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240t

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88th Ave

72nd Ave

64th Ave

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192n

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104th Ave

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64th Ave

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56TH AVE 56TH AVE

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WatershedPark

BearCreekPark

BearCreekPark

Tynehead Regional ParkTynehead Regional ParkGreen TimbersUrban Forest

Park

Green TimbersUrban Forest

Park

SerpentineFen Nature

Reserve


Reserve

60th Ave60th Ave

Golden EarsBridge

Golden EarsBridge

A6A18

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A1

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COMPELLING CREATIVE FOR TODAY’S REAL ESTATE

• STRATEGY

• mobilE / AppS

• SAlES CENTRES

• iNTERACTivE

• bRANdiNG

• SiGNAGE


Real Estate Resolutions for 2015

Have you made your New Year’s Resolutions? If you’re planning to buy or sell a home in 2015, here are a few key resolutions that will help with a smooth transaction.

To preempt the likelihood of unpleasant surprises, astute homebuyers should begin the fi nancial education, preparation and assessment process the moment they start contemplating a purchase.

TIPS FOR BU YERS1. Have Equifax, TransUnion or another credit reporting agency pull your credit report. If necessary, you can commit to improving a poor credit rating by paying off creditors and loans before applying for your mortgage.

2. Crunch the numbers! Can you aff ord it? Is this the right decision for you? Canada Mortgage and Housing Corp. (CMHC) off ers tools at cmhc.ca to help you calculate your net worth, current household budget, monthly debt payments, and how much you can aff ord to spend on a home purchase.

Plan on a down payment of at least fi ve per cent. However, your aff ordability assessment may indicate you need a larger down payment or need to reduce the price range you were considering for your purchase.

3. Get your mortgage and fi nancing documentation in order. At the very least, lenders and mortgage brokers will require documentation that proves your personal information, your net worth, income,

employment, the amount/source of your down payment, and your ability to pay the closing costs. Closing costs generally range from 1.5 to four per cent of the purchase price and your lender may provide a loan to cover those.

4. Get pre-approved for a mortgage to determine the amount you can aff ord based on the lender’s review of your fi nances. Th is will also provide written confi rmation of the interest rate that will hold for around 90 days.

5. Search ads for homes in your desired location and price range with your preferred features. (You’ve already got a copy of New Condo Guide, so consider yourself a step ahead!) Visit presentation centres, and

// HOMEBUYERS’ HELP

» by KARA KURYLLOWICZ


explore new communities in person to get a feel for what living there will be like.

6. Find a reputable home builder. Ask friends and family for referrals, visit presentation centres, do some research online, and check with your local home builders’ association for a list of builders and reviews.

As if buying a new home wasn’t complicated enough, if you already own a home, you’ll need to add a sale to your to-do list.

TIPS FOR SELLERS1. Review your mortgage agreement with your financial institution and/or a mortgage professional. If you’re in the first year of a five-year term, the payout penalty might be so high that you decide to wait until at least the mid-point, if not the end of that term, to make your move.

2. Assess the selling costs, which may include repairs, home appraisals and inspections, legal and Realtors’ fees so that you can budget and save for them.

3. Crunch the numbers and look ahead. Will your home’s proceeds cover your next home purchase? Do you plan to invest part of the proceeds?

4. Purge and de-clutter six or more months in advance, because when staging your home for the sale, over-stuffed storage areas suggest a lack of space rather than reflecting on the homeowners’ organizational skills and hoarding tendencies. In addition, if you’re moving from a larger house into a smaller condo, you’ll likely need to edit down your movables anyway, so consider this resolution two-for-one.

The more you give away, sell and donate to charity, the less you’ll have to pack, ship and unpack. Recycle or re-purpose anything that hasn’t been used in the last 12 months. If necessary, hire an organizational expert to keep you focused and ruthless.

5. Identify items that are worn, outdated or don’t work, then repair or replace them. Ask friends or family to help you identify what needs to be done, but be aware that

they may be uncomfortable with the level of honesty required. In this case, a professional home stager, organizer or even your real estate agent would be better suited to the task. Some common fixes include replacing stained switch plates, repairing old caulking and dingy grout in the bathrooms, and applying a fresh coat of paint. If things such as leaky roofs and basements aren’t repaired, buyers will expect a reduction in price.

6. Assess comparable homes in your neighbourhood no more than three months prior to putting your home on the market because the conditions can change relatively quickly.

7. Source and interview selling agents at any time, but ask them to evaluate your home no more than six to eight weeks before you plan to put it on the market.

Making and sticking to these real estate resolutions can reduce the stress associated with buying and selling a home, and expedite matters once you officially launch the process.

To preempt the likelihood of

unpleasant surprises, astute

homebuyers should begin the financial

education, preparation and

assessment process the moment they

start contemplating a purchase.


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Sales & Marketing by Coldwell Banker Tri-Tel Realty. This is not an offering for sale. Price and promotion subject to change and excludes taxes. E. & O.E.

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HOMESNEW52

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EVERGREEN - YORKSON’S FINEST

Evergreen is our newest community of single-family homes in the flourishing Yorkson area of Langley. Located next to dedicated green space and across from Yorkson Community Park, these luxurious homes are spacious, well built, and beautifully laid out. These 2-storey homes with fully-furnished basements feature 3000-3600 sq.ft of family-focussed living space – situated on generous sized lots that offer you and your loved ones the space you need and expect.

2 FULLY FURNISHED DISPLAY HOMES Open daily 1–5pm (except Fridays)604 648 8956 84a Avenue & 206th Street, Langley, BCwww.evergreenliving.me


SURREY/LANGLEY

188 S

T18

8 S

T

192 S

T19

2 S

T

196 S

T

200 S

T

203 S

T203 S

T

204 S

T

184 S

T

72 AVE

68 AVE 68 AVE

70 AVE

64 AVE64 AVE

60 AVE

56 AVE

54 AVE

53 AVE

FRASER HWY

LANG

LEY B

YPASS

GLO

VER

ROAD

Lang ley

Clayton

Cloverda le

HILLCRESTVILLAGE

LANGLEYCENTRE

HOMEDEPOT

CANADIANTIRE

COSTCO

SUPERSTORE

EXTRAFOODS

HAZELGROVEELEMENTARY

CLAYTON HEIGHTS

SECONDARYKATZIE

ELEMENTARYPARK & POND

WILLOWBROOKMALL

EASTLangley Bypass to200th St, Left on 70th Ave, Left on 196th St,Right on 68th Ave

SOUTHLangley Bypass to200th St, Left on 70th Ave, Left on 196th St,Right on 68th Ave

NORTHHwy 1 to 200th St,Right on 68th Ave

WESTFraser Highway, Left on 68th Ave,or Left on 188th St,Right on 68th Ave


SURREY/LANGLEY

// INDUSTRY INSIGHTS

Million Dollar CityWHAT CAN YOU GET IN

METRO VANCOUVER FOR A COOL MILLION?

“One million dollars!” It’s the kind of money Dr. Evil, recently awoken from hibernation since 1968, naively demands in return for not blowing up the world; but the question is: what does it get you in brand-new home in Metro Vancouver these days? Well, it depends on what you’re looking for (and where you’re looking).

With single-family home prices skyrocketing, multi-family options are proliferating as the metropolitan area densi� es to house more inhabitants. Whether you’d like a posh downtown pad in a landmark building, a penthouse in Burnaby or Coquitlam, or a 5,000 square foot seven-bedroom mansion in Cloverdale, a brand-new million dollar home in our region comes in many guises. Here’s just a small sampling of what you can get for around the same price as not getting blown up by Dr. Evil, or a dilapidated shack on a busy street in East Vancouver.» by STEPHANIE MACDONALD

Tate Gardens


AREA: DOWNTOWN VANCOUVERPrice: $999,900Property: 884 square foot, two-bedroom, two bath condo at Telus GardensAddress: 777 Richards Street, VancouverDeveloper: WestbankLuxury Perks: Downtown Vancouver location, iconic design, outdoor pool, ocean views, concierge, dog park.

Price: $890,000Property: 1,210 square foot, two-bedroom, two bath 5th level townhome at Tate DowntownAddress: 1265 Howe Street, VancouverDeveloper: Bonds Group of CompaniesLuxury Perks: Downtown Vancouver location, rooftop terrace garden, concierge, private library and theatre for residents.

AREA: VANCOUVER WEST SIDEPrice: $1,005,000Property: 1,240 square foot, two-bedroom, two bath condo at ApertureAddress: 795 West 41st Avenue, VancouverDeveloper: Bu� alo Investment CanadaLuxury Perks: Boutique building in a West Side location, mountain views, iconic design, terraced waterfalls and pools, rooftop gardens and a large stunning wrap-around deck.

AREA: VANCOUVER EAST SIDEPrice: Not priced yet, but over $1,000,000Property: Penthouse at � e IndependentAddress: Kingsway and Broadway, VancouverDeveloper: RIZE AllianceLuxury Perks: Being � nalized at the moment, but include large patios with expansive views, two levels and large community greenspace in one of Vancouver’s most exciting neighbourhoods.

Price: From $610,000Property: 992 square foot three-bedroom plus den, 2 bath condo at Kensington Gardens Address: 2220 Kingsway, East VancouverDeveloper: WestbankLuxury Perks: Lounge, hot tub, restaurant downstairs, heated outdoor pool, sauna, BBQ area, exercise room, rooftop park, theatre room, children’s play area.

AREA: NORTH VANCOUVERPrice: $800,000Property: 1,378 square foot three-bedroom, 2.5 bath plus den at � e ShoreAddress: Fell Avenue at 3rd Street West in North VancouverDeveloper: AderaLuxury Perks: Located creekside, outdoor kitchens, plus the famous Cressey Kitchen™ inside, rooftop lanais and access to the Trans-Canada trail from your back door.

River Green Station Square

The Shore

Kensington Gardens

Aperture


AREA: BURNABYPrice: $983,000Property: 1,298 square foot, three-bedroom, two bath condo at ModelloAddress: Willingdon Avenue and Beresford Street, BurnabyDeveloper: Bo� o DevelopmentsLuxury Perks: 36th � oor, southwest corner views in a high-end Boutique development, with � tness centre, spa, concierge, luxury � nishings, lounge with outdoor � re pit and proximity to the future Beresford Art Walk.

Price: $849,000Property: 1,099 square foot, two-bedroom, 2.5 bath sub-penthouse at Station SquareAddress: 4670 Assembly Way, BurnabyDeveloper: AnthemLuxury Perks: Metrotown location, expansive views, concierge, one-acre rooftop amenity space.

AREA: RICHMONDPrice: $915,000Property: 1,420 square foot, two-bedroom plus den, two bath condo at River GreenAddress: 6111 River Road, RichmondDeveloper: ASPACLuxury Perks: Expansive water views, large balcony, right next to the Olympic Oval, indoor pool, theatre room, children’s play area, � tness centre with steam room and sauna.

AREA: SURREYPrice: $750,000Property: 1,404 square foot, three-bedroom, two bath high-level condo at 3 Civic PlazaAddress: 10347 City Parkway, SurreyDeveloper: Century GroupLuxury Perks: Four-star hotel amenities, tallest building in Surrey, access to hotel � tness centre and lap pool.

AREA: SOUTH SURREYPrice: $600,000+Property: 2,216 square foot, three-bedroom, 2.5 bath townhome at JacobsenAddress: 158 St. & 27 Ave., SurreyDeveloper: Ikonic HomesLuxury Perks: South Surrey location, West Coast Modern design, large units with outdoor space or large patios.

AREA: COQUITLAMPrice: $672,000Property: 2,700 square foot, � ve-bedroom, 4 bath townhome at Secret RidgeAddress: Burke MountainDeveloper: Mission Group HomesLuxury Perks: Two-car attached garage, two master suites with ensuite, grand vaulted ceilings in the living room and granite � replace.

Secret Ridge

3 Civic Plaza

Modello

Jacobsen

* Prices and unit sizes are approximate, and homes were available for sale as of January 29, 2015. Images represent the development, not necessarily the specific units mentioned.


19525 73rd avenuePresentation Center Open Daily 12-5PM (Except Fridays)

This is not an offering for sale. Any such offering must be made with a disclosure statement. Prices are subject to change. E.&.O.E.

WEST REAL ESTATESERVICES

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SURREY/LANGLEY

Our spacious townhomes range from 1463 – 1706 sq.ft. and include amazing finishings and features that will make you feel like you are in a single-family home. Don’t miss out on this scarce offering. Priced from the mid $300’s, homes are selling fast.

liveatcanvas.com

FEELING CONFINED IN YOUR CURRENT HOME?WHY NOT SPREAD OUT A LITTLE?

gourmet kitchens extra space

PRESENTATION CENTRE & 3 DISPLAY HOMES OPEN DAILY 12PM - 5PM, CLOSED FRIDAYS 604.598.8873 l 6350 142 STREET, SURREY

Prices are subject to change or be withdrawn without notice. Sizes are approximate. E.&O.E. Sales and Marketing by Fifth Avenue Real Estate Marketing Ltd. fifthave.ca

MOVE-IN TODAY!

HURRY,

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SURREY/LANGLEY

//MIND OVER MORTGAGE

» by JORGE & ALISA ARAGON

JORGE & ALISA ARAGON

are Mortgage Experts with Dominion Lending Centres

Mountain View. They are active members of the Greater Vancouver Home Builders Association. Jorge & Alisa focus on the overall

needs and plans of their clients and then find the best mortgage to suit their needs. For more information visit

YourMortgageSolutionsGroup.ca or contact them at

[email protected].

Surprise!BANK OF CANADA LOWERS INTEREST RATES ONCE AGAIN

It was a huge surprise to everyone when the Bank of Canada announced yesterday that it is cutting its key interest rate by 0.25% to 0.75%. There hasn’t been a movement upwards on downwards in the key interest rate in over 4 years.

The big question is – What impact is this change going to have on me?

» CHEAPER MORTGAGES FOR CLIENTS THAT HAVE VARIABLE OR ADJUSTABLE MORTGAGES

Since variable and adjustable rate mortgages are determined by the prime interest rate and are linked to the overnight interest rate of the Bank of Canada. This will also be dependent on each individual lender if they reduce their own prime interest rate. Current mortgage holders with fixed interest rates, will not see a change on your monthly payments. However, people that are taking a new fixed rate mortgage or renewing their old one right now could see the interest rates come down. The reason being that fixed mortgage rates are dependent on the bond market. The bond market have already started to come down of the change in the interest rate by the Bank of Canada.

» UNSECURED AND SECURED LINES OF CREDITSSimilar to the variable and adjustable mortgages, unsecured and secured lines of credit are normally linked to the bank’s prime interest rate which is linked to the Bank of Canada’s overnight rate. Which means that if you are borrowing money from a line of credit your cost of borrowing will come down. Again, this will be dependent whether or not the bank cuts their prime interest rate.

» THERE WAS A HUGE DROP ON THE LOONIEWith yesterday’s announcement on the drop of the Bank of Canada’s overnight rate it affected the Canadian dollar as it had a huge drop. This means that if you are looking a shopping in the States or planning an international trip it is going to cost more.

» SAVING ACCOUNTSBy the Bank of Canada changing the overnight rate it will affect the interest you will get from having money in a traditional savings account. There won’t be a huge change but if you are not earning much interest before you will be earning even less. Perhaps it might be worth it to explore other options.

Is your mortgage coming up for renewal, you are thinking of refinancing or looking at purchasing a new home? We will be pleased to help you explore your options based on your individual needs. After all, it is not about the mortgage, it’s about a strategy that is going to help you save time and money in the long run especially when interest rates start going up!

hayerlifestyle.com 604.371.0044*Prices and incentives are subject to change or be withdrawn without notice. Prices quoted exclude applicable sales taxes. Please ask the sales representative for further details. Sales and marketing by Fifth Avenue Real Estate Marketing Ltd. 604.583.2212. E.&O.E

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7811 209 Street Yorkson, Langley

98 Innovative Townhomes with Rooftop Living Spaces. Designed to Fit Your Lifestyle.

2 Bedroom Townhomes Coming Soon to Yorkson Langley


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//INSIDE MORTGAGES

» by KRIS GRASTY

KRIS GRASTY is a mortgage broker

with Dominion Lending Centre’s Canadian

Mortgage Experts and an active member of the

MBABC. Kris maintains a strong focus on educating

clients on all options. For more information

visit his website at www.krisgrasty.ca or reach him at

[email protected].

Refinancing isn’t always the best option when renewing your mortgage if you are not looking at accessing your equity, however it may be advisable to consolidate consumer debts and reduce overall monthly expenses.

Today, clients are able to refinance up to 80 per cent of their home value. The option for consolidation is a good one if you are equity rich, but are paying multiple debts at higher interest rates. This option allows you to lock in debts at lower interest and put them all into payoff mode more quickly.

One of the biggest advantages of refinancing is that it gives you the opportunity to review your current financial situation, make adjustments that affect you immediately month to month and even better, may allow you to build in some “Future Proofing”!

WITH SEVERAL CLIENTS LAST YEAR, REFINANCING HAS PROVIDED THIS “FUTURE PROOFING” OPPORTUNITY: The average mortgage in BC is near $300,000, so let’s use that as the starting point. The client took out a mortgage five years ago at 3.75 per centand is now up for renewal. The original mortgage was for 15 years amortization, so only 10 years remain. Over the last few years, the client has added a $20,000 line of credit costing nearly $300 a month in payments.

Original Mortgage Amortization Rate Current Payment

$300,000 15yrs 3.75% $2,177

On renewal, the remaining mortgage balance is $217,900. Let’s look at the renewal rate, payment and add in the consumer debt. You can see that the new payment is lower, but the added consumer debt is still costing extra money each month.

Renewal Remaining Today’s Renewal amount Amortization Rate Payment

$217,900 10 2.89% $2,091

ADD CONSUMER DEBT $20,000 7+% $300/month

TOTAL 237,900 $2,391

The simple solution is just to refinance it all together, take advantage of lower rates and pay it all down still in the 10 year period. There is a $108 savings a month and the client is happy to stay on track and pay less interest overall.

Refinance Remaining Mortgage Amortization Rate Payment and LOC

$237,900 10 2.89% $2,283.00

Now let’s look at the “future-proofing” opportunity here. We can extend the amortization and lower the total monthly required payment to $1112 a month! Again, I am not suggesting that we go backwards here at all, but if one partner were to lose their job or have a significant life event, there is now an immediate safety valve built in here.

The key is to use your prepayment privileges to stay on track, penalty- free. You can still maintain your payoff timeline.

FUTURE PROOFING = Minimize payment; cover for job loss or life event

$237,900 25 2.89% $1,112 USE PREPAYMENT PRIVILEGES (double up) = Stay on track penalty free!

Refi Mortgage Effective Payment and LOC Amortization Rate (x2) or Payoff $237,900 10 yrs and 2.89% $2,225 4 months

As you can see now, just refinancing at the 10 year amortization has a payment of $2391/month. Refinancing on a 25 year schedule but doubling up the monthly payment saves an additional $166.00 per month, maintains your 10 year goal relatively nicely here AND adds the peace of mind that you can handle life’s curve balls! Perhaps you can apply the $166 savings to an RESP for your children’s education or add to your RRSP’s for your retirement?

How to Future- Proof through

Refinance!



SURREY/LANGLEY

Maple Ridge Coquitlam South Surrey Coming Soon

Learn more about our other single family home communities at foxridgehomes.ca

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SURREY/LANGLEY

// STYLE FILE

We know the look of luxury when we see it, but how do you create it? Th e art of luxe design is not simply a matter of spending money, but more one of spending time to create spaces with depth, sophistication, and a certain considered air. Here’s my professional opinion on how to add a sense of luxury to your every interior, to bring that designer appeal out of your personal investment – whether starting a full renovation or perfecting an already beautiful home.

POWERFUL PALETTEs› One of the most subtle yet powerful ways to communicate a sense of luxury is through the use of an expertly assembled neutral colour palette. When done wrong, the look can read drab, but when created correctly the scheme reveals new depths upon every viewing. Th e key is to combine multiple shades, textures and tones to achieve a calm but complex look – subtle contrasts accent each other’s fi nest qualities.

› Review your space and consider what subtle tones are the strongest. For example, if you have a warm-hued fl oor, add some touches of cool metals or icy-grey leather to play against it. Look for places to add white, cream, beige, taupe, grey, “greige”

luxe lookTHE

» by YANIC SIMARD

YANIC SIMARD is New Condo Guide’s design editor, principal

designer of award-winning Toronto Interior Design

Group (tidg.ca), and regular guest expert on

City’s Cityline. Check out Yanic’s accessory line, Yanic Simard Selected, by visiting

online at ysselected.com


Safari Crewel Embroidered Cushion from the Yanic Simard Selected Collection

Lotus Capiz Shell Tea Light Holder

Bronze Rose Tea Light Holder

(grey-beige), tan, brown, gold, bronze and tiny touches of black, while mixing soft and hard textures for full variety. By sticking to neutrals you’ll be sure to coordinate, as long as you reapply warm and cool tones throughout the room.

Luxe Look: Sheep-fur pillows always add a rich textural statement, or try a small splash of an animal-inspired pattern. (Safari Crewel Embroidered Cushion, Yanic Simard Selected Collection.)

AREAS OF INTEREST:› I often encourage clients to run one fl ooring material throughout a space, applying a single hardwood to the living, dining, bedroom and even kitchen areas, making a clean, continuous statement. However, this doesn’t mean you should avoid carpeting altogether, but actually the opposite: layering a large area rug over your hardwood creates the most sophisticated statement.

› Size a rug to leave about one to two ft. of fl oor exposed at each side, making sure the carpet tucks under your seating. Enough wood will show around the borders of the room to reveal its presence, while giving you a soft surface to nestle into and an opportunity to add a new colourful or elegantly textural statement.

Luxe Look: Cream carpeting layered over deep espresso walnut.

LIGHT UP THE DARK› Embracing wood or stone fi nishes on vertical surfaces adds visual texture and a sense of intimacy to a space, but can absorb a great deal of light and leave an area feeling heavy. Layering light is always important, but be sure to add extra sources around your dark cabinetry, wardrobes or other weighty elements. Ensure as many lights as possible are controlled by a dimmer to allow you to adjust the atmosphere to suit your mood.

› A dropped ceiling panel over an island provides space for a plenitude of new pot lights, while subtly defi ning a zone within an open plan. Diversity of light sources avoids harsh shadows, for a rich glow, so consider adding soft new lights to every room.

Luxe Look: Use at least three light sources in every space. Consider adding tea light holders in warm metallics to add a complex golden glow anywhere.

The key is to combine multiple shades,

textures and tones to achieve a calm but

complex look – subtle contrasts accent each other’s finest qualities

AFTERTHOUGHTS:

Here are a few other ways to add last-minute luxe touches to your space – even after the designer has left.

› Replace two chairs at your dining table with a bench or settee to create the feeling of a private booth, and a fun visual surprise.

› Trade out busy bedding for white linens with a single colourful bolster matched to an upholstered bench. Add my Aspen Faux Fur throw folded neatly at the foot for additional inviting texture.

› Have a good florist create a cactus planter to add exotic flair that will survive your week away unattended.

› Instead of adding a lamp to the bedside table, order a floor lamp with a built in table from a lighting boutique, for an uncommon traditional-yet-modern twist.

› When your space is already beautiful, the most stunning artwork will be an oversized mirror in a textural frame.

HIDDEN DEPTHS› A full wall of floor-to-ceiling drapery is a powerful designer trick in more ways than one: it creates a rich textural backdrop that speaks of bespoke craftsmanship, but also erases any imbalances or asymmetry in the placement of windows, bulkheads, or other awkward architectural features, for a seamless look.› Draping an entire wall with no break (on a hidden track in the ceiling if possible) puts the focus on the beautiful material, and anything else you choose to layer in front of it. Don’t be afraid to apply a textural fabric behind an upholstered headboard for a doubly luxe bedroom setting (with extra sound dampening).

Luxe Look: Use simple unpleated drapery in a textural linen to create soft elegant waves of material.

TANTALIZING TILE› The must-have bathroom statement of the design era is an oversized tile wall, applying a richly grained stone floor to ceiling for the ultimate spa-like atmosphere you can enjoy every day.› Pairing this treatment with a minimal glass shower enclosure and sparkling neutral fixtures (in white, dark woods, and nickel) lets the natural patterning take all the well-deserved attention. Add a cut-crystal vessel sink as the jewel of this treasure chest.

Luxe Look: Try Roberto Cavalli tile installed vertically on a simple offset.


NOW SELLING!

SOUTH SURREY / WHITE ROCK

1. Dawson + SawyerOn the Course II253 171 Street604-385-0111

2. The Estates at Southwood16780 22A Ave,604-648-8065

3. Southbrooke10th Ave. & 165th St.604-805-2941

CANADA

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Reserve

CrescentPark

CrescentPark

Crescent Beach /Blackie Spit

Crescent Beach /Blackie Spit

SunnysideAcres UrbanForest Park

SunnysideAcres UrbanForest Park

South SurreyAthletic ParkSouth SurreyAthletic Park

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4. The Hamptons16437 23 Ave.604-723-4497

5. Jacobsen2687 158 St.604-538-5591

6. Blu15988 32 Ave.

604-782-5258

7. Belcroft15977 26 Ave.

604-568-8830

8. Hyde Park15811-28th Ave

604-506-18529. The Heights

2845 156th St.778-545-8737

10. Breeze#5 16223 - 23rd Ave.604-582-1113

11. The Woods32nd Ave. & 156A St.604-538-8876

12. South Point Walk29A Ave & 152 St 604-560-3238

13. Hycroft Rowhouse16467 - 24th Ave. 604-541-2495

14. George1708 King George Blvd.604-571-6400

15. The Estates at Morgan Heights

16145 - 28A Ave,604-560-1053

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jacobsenLiving.comSales Centre

#1 - 2687 158th St South Surrey

Open 12 - 5pm daily(except Fridays)

3 & 4 BEDROOM TOWNHOMESPRICED FROM THE LOW 500’s

FINAL PHASE

NOW SELLING

Contact us604.538.5591

Prices quoted exclude taxes and are subject to change without notice. E.&O.E. Sales and Marketing by Fifth Avenue Real Estate Marketing Ltd.

Best Townhome Development

Best New Townhome Kitchen

Residential Community of the Year

2014 GEORGIE AWARD FINALIST


SOUTH SURREY/WHITE ROCK

MOST PEOPLE ARE FINANCIALLY FLABBYFinancial fitness?

People spend a lot of time worrying about what they eat, how much they weigh, and how healthy their hearts are. According to Statistics Canada, life expectancy rose by almost 2 1/2 years for men and by almost 1 1/2 years for women between 1986 and 1996. But, while we are all now living longer and healthier lives, for many people, financial fitness still isn’t a reality.

Only 30 per cent of Canadians follow a monthly budget, while just 40 per cent of us have a formal financial plan in place. Yikes! The fallout of all this inactivity (is it inattention or procrastination?) is that the realities of Canadians’ lives are a long way off their expectations.

The CIBC Financial Health Poll conducted by COMPAS Inc., showed that 37 per cent of those who retired and then returned to work did so because they didn’t have enough money. What would they have done differently if they could do it all over? Well, 60 per cent say that in hindsight they would have started investing earlier and they would have saved more. Hmmm...

More than just having enough money, our level of financial fitness reflects our ability to bring our current and future needs into balance. To have a balanced financial plan, you must set some realistic goals. Just as most athletes have specific goals toward which they consistently work, the key to financial fitness is to set achievable goals and consistently work toward them.

What weighs most heavily on your mind? Very likely there will be several issues competing for your limited financial resources. Do you want to accumulate a specific amount of money, eliminate your mortgage or pay off that new car? Weighing each of your goals against the others will help you to see which are the most important ones.

There are no right or wrong answers at this point. Right now, you’re just laying the plan. Later, if you want to double-check it, you can ask your financial adviser to look it over and see what’s missing.

OKAY, IT’S TIME TO PICK UP A PEN AND GET TO WORK:›› Make a list of everything you want to achieve.›› Make sure you’ve covered each of the seven areas of a

financial plan.›› Prioritize your list.›› Pick two goals.›› Make sure your goals are realistic.›› Set some dates.›› Write it all down.›› Check your progress every six months.

» by GAIL VAZ-OXLADE

GAIL VAZ-OXLADE is the host of Til Debt Do Us Part and author of Debt Free

Forever and blogs daily at www.gailvazoxlade.com.

Follow Gail on Twitter at Twitter.com/GailVazOxlade

Having decided where you want to be, you need to determine where you are now so you can size up the gap. Complete a net worth statement to see just how balanced your finances are and update this statement annually. It is your scorecard of how much your efforts are paying off. Next, do a budget so you can see exactly where your money goes each month. Estimate how much you spend monthly, track your expenses for about three months, and revise your budget to reflect your actual expenditures. Don’t cop out and say, “Well I had unusually high expenses this month because...” Emergencies always crop up, and part of being financially fit is having a plan for dealing with those nasty little surprises.

NOW LOOK AT YOUR INCOME RELATIVE TO YOUR EXPENSES.If your expenses seem too high, you can either cut back on what you’re spending or increase your income.›› Consider a part-time job to boost your

earnings.›› If you have extra space, think about

renting a part of your home for extra income or sharing your home to reduce your living expenses.

›› Consolidate bank accounts to save on fees.›› Brown-bag it for a few months to trim

your waistline and your budget.›› Share newspapers, magazines and books

with friends and co-workers.›› Park the car.

Having done your warm up exercises – you’ve written your financial goals down in order of priority, completed a net worth statement and set up a budget – you now have to decide how to meet your goals.

Let’s say you plan to start an investment program. You want to save $25,000 over the


next five years. If you’re looking at your budget and thinking, “There’s just no way!” maybe you need to adjust your time frame. Or perhaps you need to look at how you’re investing your savings. One rule of investing is the longer you have to reach your goal, and the more your money earns during that time, the less you have to set aside each year.

If you haven’t already done so, establishing an emergency fund for large, unforeseen expenses or temporary job loss should be a priority. Ideally, your emergency fund should be able to support you for three to six months. If someone in your household shares the expenses, consider how long it would take him or her to find another job.

Check over your accounts and make sure you’re getting the most for the least. There’s no point in paying for services that you’ll use only once in a blue moon. Little things like choosing a passbook option rather than receiving a statement can save you money. If you can reduce or eliminate your fees by maintaining a specific minimum balance, consider consolidating your accounts to reduce your costs. If maintaining a monthly balance is a problem, then you’ll have to compare individual service charges to choose the least expensive account for your purposes.

Now it’s time to look at your debt. Begin by eliminating credit card balances and consumer loans. Often people pay only the minimum required without realizing how much interest costs work against their overall plan. If you have several cards with high balances, consider a consolidation loan to reduce your interest costs. Does your card charge a high rate of interest? Transfer your balance to a lower-cost card. If you have only a small amount to work off, put your

If you haven’t already done so, establishing an

emergency fund for large, unforeseen expenses or

temporary job loss should be a priority.

cards away until the debt is cleared. Once you’re debt-free, by all means take advantage of the convenience credit cards offer, but keep tight control of them and pay your balance off in full every month.

PREPARE FOR THE RISKS OF EVERYDAY LIFEThe risks we seem to deal with quite easily are property insurance, car insurance and contents insurance. The risks we tend to overlook are those associated with our economic earning power. If you or your partner were to die, become ill or disabled and unable to work, would your family have the resources to meet their day-to-day needs? It’s a tough question to face, but the consequences of not facing it can be even tougher on your family.

›› Life insurance will protect your family’s standard of living if you die.

›› Disability insurance will provide you with an income if you cannot work due to illness or injury.

›› Critical illness insurance will pay you a lump sum if you are diagnosed with a specific illness.

›› Long-term care insurance will pay the bills should you (or other members of your family) need in-home or facility care.

Don’t forget to do some retirement planning. The only one you can count on is you. Through means testing of pension and age tax credits, and reduction in senior’s benefits, the government is saying loudly and clearly, “You are responsible for providing for yourself.” Thankfully, we still have Registered Retirement Savings Plans

(RRSP). Any money contributed to an RRSP remains tax-deferred until the funds are withdrawn. And since investments held in RRSPs also grow on a tax-deferred basis, they grow much more quickly than investments held outside an RRSP.

Despite the fact that almost everyone should have a will and a power of attorney, many people don’t. Some think their wishes will be carried out by a family member or that they do not have enough money to justify the cost of making a will. Others avoid making a will because their personal circumstances – marriages, divorces, and accumulated children and stepchildren – just seem too complex to unravel. However, if you die without a will, trying to figure out who gets what, and when, can be a mess. And your estate may end up paying more in fees and taxes than it should, leaving less for your loved ones.

Partnered? Have your wills drawn up together so that they reflect an integrated estate plan. Review and update your will every three or four years, especially when family circumstances change (weddings, divorces, births and deaths all result in changes in family structure), your financial circumstances change, new legislation is implemented, or you change your province or country of residence.

Financial fitness isn’t achieved overnight. It takes time, a sound plan, a strong commitment and, perhaps, a financial coach. If you are serious about taking control of your finances and about your independence, you too can become financially fit. Believe in yourself and in your own ability to take charge. Then just do it! See you in the winner’s circle.


NOW SELLING! VISIT US TODAY

14271 - 60th Ave, SurreyOpen Daily: Noon - 5pm(except Fridays)

EXPECT MORE. GET MORE.

SALES CENTRE

This is not an offering for sale. An offering for sale canonly be made with a disclosure statement. E.&O.E.

BLACKBERRYWALK.COM OR CALL 604.501.6119

60 AVE

64 AVE

142 ST

144 ST

KING GEO

RGE BLVD

A collection of signature townhomes featuring stylish kitchens, large master suites, generous living spaces, and a variety of special upgrades and customization options. Many of our homes o� er basement-level rec. rooms for more fl exibility. Excellent schools are just a short walk away, and trails to parks and playgrounds start right at your doorstep.

Get all of this and more at Blackberry Walk,the perfect place to call home.

NOW SELLING BY APPOINTMENT

20 Arts & Crafts Townhomesin a Spacious Upscale Community

rosemarygate.ca604.541.7400

3303 Rosemary Heights Crescent



2 & 3 BEDROOM TOWNHOMESSTARTING FROM $329,000.

SAY HELLO TO GEORGE. A unique collection of 42 coastal inspired townhomes. Ranging from 1250 sq ft to

1650 sq ft, these 2 and 3 bedroom move-in-ready homes are loaded with impressive finishing details that are all

included. Located in the heart of South Surrey, you’ll enjoy easy access to shopping, schools, recreation, and more.

Come in to see George for yourself! Our sales centre and showhome is open noon-5pm daily except Fridays.

hellogeorge.ca 604.571.64001708 KING GEORGE BLVD, SURREY BCTHIS IS CURRENTLY NOT AN OFFERING FOR SALE E.&O.E. LIMITED TIME OFFER ON DECORATING BONUS. SEE SALES STAFF FOR DETAILS.



32ND AVE & 156TH ST

IF YOU COME OUT TO THE WOODS TODAY, YOU’RE IN FOR A BIG SURPRISE!

3 Bedroom homes in South Surrey with studio space and Rooftop Patios starting from the low $400’s

90% SOLD!

GRAMERCY.CA/THEWOODS 604.538.8876

164 ST

20 AVE

24 AVE

N

KING

GEO

RGE BLVD

HIG

HW

AY 99

KING

GEO

RGE BLVD

HIG

HW

AY 99



//ON THE HORIZON

on the horizon

Checking Out What’s Hot and New in the Lower

Mainland’s Residential Marketplace and Beyond

» by SUSAN M BOYCE

Got a new development you’d like us to feature in

On the Horizon? Drop me a note

at [email protected], and we’ll do our best

to get you in the next edition.

Tell us YOUR NEWS

BrightonABBOTSFORD TOWNHOMESThe newest phase of Tudor-style town-homes at Polygon’s landmark master-planned community of Westerleigh in West Abbotsford. This limited collection of two- and three-bedroom residences features stately brick cladding, generously-sized decks, and attached garages. Gourmet kitchens include stone counters, stainless steel appliances and warm laminate floor-ing. Minutes to West Abbotsford’s growing educational, recreational and urban ameni-ties. Bonus: aautomatic membership to Club West, Westerleigh’s resort-style private clubhouse with outdoor pool, fitness studio, fireside lounge, hockey room, and theatre room. Priced from $269,900.

Presentation centre now open at 30989 Westridge Place. For more information visit polyhomes.com or call 604.607.7801.

Walnut RidgeSURREY TOWNHOMESLocated at 7198 – 179 Street in Clayton, this collection of 26 three- and four-bedroom townhomes is attractively priced from $335,900 (net GST included). Mountain views plus excellent proximity to schools, shops, restaurants, and North Creek Park

For more information visit walnutridge.ca, or call 778.908.4318 or 604.506.4900. Open weekends or by appointment any time.

Nelson PeakMAPLE RIDGE SINGLE-FAMILY HOMESComing this May, Nelson Peak continues the Portrait Homes tradition of exceptional homes in outstanding locations. The newest phase in the award-winning Silver Ridge master planned community, these homes feature new finishings plus brand new floor-plans ranging from duplexes to single-family homes that boast more than 3,300 square feet (including unfinished basement). Every home includes fully landscaped lot — many backing onto pristine green space and some

offering amazing mountain views. Engaging community ambiance, proximity to outdoor living and recreation, and easy access to the amenities of downtown Maple Ridge. Priced from the mid $400,000s.

For more information and to priority reg-ister for more information as it’s released, visit portraithomes.ca.

The Village at SouthwoodSOUTH SURREY SINGLE-FAMILYGreat location near 168th Street and 23rd Avenue in South Surrey’s Morgan Heights neighbourhood, this collection of 45 execu-tive homes features distinguished, open interiors with vaulted ceilings and window seats, luxurious glass paneled stairwells, and eye-catching linear gas fireplaces. Elegant, spa-inspired bathrooms and gourmet kitch-ens complete with large granite islands. Select lots also included a finished legal suite basement. Priced from $749,900. Family-friendly location close to parks, top schools (including South Ridge), multiple golf course, as well as the shops and amenities of the Morgan Crossing Shopping District and Semiahmoo Mall.

For more information, visit mstarhomes.com or call 604.560.3450.

Strathcona GardensVANCOUVER TOWNHOMESLocated at 1130-1136 East Pender Street in the heart of East Vancouver’s historic Strathcona neighbourhood, these duplex-style (and one coach house) homes feature charming 1920s-style, character architecture plus elegant, contemporary interiors. Just a five-minute walk to the ball diamonds at Strathcona Park, a five-minute drive to downtown, or a five-minute bus ride to the emerging Craft Brewery District. Easy cycle access to everywhere.

Sales begin mid-February with prices starting in the mid $600,000s. All homes will be move-in ready. For more information, visit strathconagardens.com or call 604.328.9940.

Homebuyers’ Resource SectionYou love the home, see what you can afford!» Compare mortgage rates for your best deal

» Calculate your mortgage payments using the mortgage payment calculation chart

HOMEBUYERS’ HELP//


Calculate your mortgage payments

01 Calculate the combined monthly before-tax income

of you and your spouse.

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

can afford to make on your home.

03 Take the total price of the home and subtract the

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

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

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

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

Divide by 1,000.

06 Add to this your estimated monthly heating costs and

monthly property taxes.

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

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

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

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

AMORTIZATION PERIOD

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

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

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

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

Mortgage payment calculation chartAMORTIZATION PERIODS

INTEREST RATES

10 YEARS

15 YEARS

20 YEARS

25 YEARS

30 YEARS

%


ABBOTSFORD Abacus Uptown LR 604-309-7155 $109,900 inc net GSTBrighton TH 604 607-7801 From $269,900 Cedar Landing TH 604-850-5040 Fr. 274,900 inc net GSTEagle Estates SF 604-859-3141 From $599,900 Eagles Gate SF 604-309-7729 From $373,500Falcon Ridge SF 604-309-0540 From $789,000Foxwood SF 604-850-5040 From $524,900 Hudson’s Loft 2 LR hudsonsloft.ca CallLift LR 604-557-1047 CallLuna TH 778-895-5862 From $289,900 Waterleaf LR 604-850-3694 From $179,000BURNABY Aldynne on the Park HR 604-451-9517 From $469,900 Altitude HR 604-456-8883 From Mid $200’sAviara HR 604-291-9130 CallBrentwood HR 604-563-8386 From $299,900 Britton TH 604-293-1818 From $539,900Casa d’oro TH 604-436-1100 From $499,900CentreBlock at Univercity HR libertyhomes.ca CallGold House HR goldhouseliving.com Coming SoonHighland Park Metrotown TH 604-671-5565 CallLift LR/TH 604-320-3386 CallMadison LR liveatburnabyheights.com Coming SoonMet 1, The HR 604-899-8800 From $349,800Met 2, The HR 604-899-8800 Coming SoonMetro One LR 604-435-9477 CallMetro Two LR 604-435-9477 From $439,900Metro TH 604-435-5565 CallMetroplace HR 604-435-8866 CallModello HR 604-456-0688 From $389,900Novella MR 604-536-5777 CallOakTerra LR 604-431-6033 Call Paddington Mews TH 604-438-9922 From $334,900Redbrick LR 604-527-7955 From Mid $200sStation Square HR 604-438-1113 CallStorybrook LR 604-528-8906 From Low $300’sThurston TH 604-563-7001 CallTrio LR 604-218-3338 From $249,900CHILLIWACK / SARDIS Camden at The Falls SF www.livethefalls.com From $389,900Centre Field TH 604-795-6938 From $242,900 Englewood Village SF 604-534-5079 From $249,900 Garrison Crossing SF/LR/TH 604-824-5062 Call Heron’s Landing 604-858-7179 From $269,900Jinkerson Vistas SF 1-877-858-2408 From $399,900 La Cason LR 1-800-830-7175 From $184,900 Radius LR 604-991-5151 From $149,900River Walk TH 604-991-1777 From $259,900 Seasons at Cedar Sky TH 604-991-8250 From $449,900 Summit Residences, The SF 604-824-6473 From $508,000 Townsend Terrace TH 1-800-830-7175 From $242,900 COQUITLAM 1123 Westwood HR 604-472-1123 CallAmberleigh SF 604-514-4359 Coming SoonAustin HR 604-931-0302 From low $200’sBlack+Whites TH 604-998 8998 From Low $500’s Bloom LR/TH 604-939-8808 $264,000Bradley House LR 604-942-8416 $299,900Burke Mountain Heights SF 778-285-6299 Call Charland LR 604-492-3388 CallComo LR 604-939-0018 From $208,800Crown HR crownbybeedie.ca Coming soonEvergreen HR 604-942-2672 From $284,900Evolve HR 604-497-0102 From $93,900Foster Ave Rowhomes TH intracorp.ca Coming SoonGrand Central 2 HR 604-936-1888 From $309,900 Hazel LR 604-937-2599 From $220,500 Kingston SF 604-514-4359 Coming SoonMackin Park LR 604-939-8874 From $209,900Nest TH 604-492-4123 CallNovella MR 604-563-5777 CallOasis HR 604-464-2701 Call

Regan’s Walk LR 604-492-0222 From $259,900Riley TH 604-468-7688 From $349,900Secret Ridge DP secretridge.ca Coming SoonSomerton SF 604-469-8581 From $699,900 Sterling SF 604-464-2260 From $689,900The Windsor HR 604-941-8305 From $325,900Uptown2 HR 604-939-2611 From $278,900

DELTA NORTH DELTA Delta Rise HR 604-594-7473 From $189,900 Kaleido TH 604-590-8818 From $389,900Lakeside TH 604-585-7107 CallLuxor LR 604-590-8003 From $199,900 South Pointe SF 604-584-2908 From $699,900 TSAWWASSEN Brio LR 604-943-8811 Call Tsawwassen Heights SF 604-271-7288 Call Tsawwassen Shores SF 604-943-6677 From $499,900 Tsawwassen Springs SF/LR 604-948-HOME Call

LANGLEY Athenry Gate LR 604-882-8857 From $137,500Arcadia TH 04-513-9090 From $279,900Cornerstone LR 604-534-6000 From $189,900 Elements LR 604-533-7718 From $199,900 Exchange TH 604-535-8587 Coming SoonEvergreen North Yorkson SF 604-648-8956 From $645,000Focal Point LR 604-377-7000 Coming Soon Keaton TH 604-882-3733 Call for InfoIvy Row RH 604-999-9323 Fr. $479,900 inc GSTKensington LR 604-427-3311 From $199,900Lotus Living TH 604-831-0800 Coming SoonMarquee TH 604-427-3550 From $268,900Mason & Green TH 604-852-5382 From $324,900McBride Station TH 604-533-0881 Coming Soon Mission Green 604-871-4288 From $314,900Parkside RH 604-648-9428 From $480,000Serenity TH 604-371-1538 Call for InfoSummerhill TH 604-418-7072 From $379,900Varsity LR 604-539-2200 From $139,900York TH 604-534-9495 Call York by Mosaic TH 604-882-6758 From $259,900Yorkson Creek LR yorksoncreek.com From $179,900Yorkson South SF 778-785-1673 From $440,000

MAPLE RIDGE 223 North LR 604-463-0588 From $174,900Albion Station TH 604-351-3261 From $254,900Cascada LR 604-318-5254 CallCliffstone SF 604-380-0045 From $549,900Edge on Edge LR 604-466-8783 From $149,900Grant Hill Estates SF 604-230-3935 Call Hampstead at Silver Ridge SF 604-466-9278 From $498,900Jackson Park SF 604-805-4668 From $419,900Jackson Ridge SF 604-351-3261 Call Mainstone Creek SF 604-463-5000 Call Meadows Pointe LR 604-522-8970 From $189,900Montgomery Acres SF 604-477-2959 From $509,980Myron’s Muse TH 604-380-1801 CallParc Vue LR 604-467-8884 CallPointe, The SF 604-999-2452 From $489,900River’s Edge LR 604-318-5254 From $174,900 Robertson Heights SF 604-380-4708 From $459,900 Signature at Falcon Centre LR 604-477-1500 CallSpencer’s Green SF 778-846-3200 From $528,900Station One LR 778-878-1347 Coming Soon Summit at Grant Hill SF 604-405-4437 From $769,900 inc gstTwo Birds TH 604-467-7000 Call Village Green TH 604-476-2292 From $279,900Village Walk SF 604-465-6524 Call Wellington Station LR 604-380-0300 From $189,000 Wynnridge SF 604-466-6388 Call

C o n n e C t i n g b u y e r s t o t h e b e s t n e w h o m e o p p o r t u n i t i e s i n m e t r o p o l i ta n Va n C o u V e r

new homes starting from the mid $100’s

n e w h o m e s a l e s a n d m a r K e t i n g e X p e r t i s eFIFTHAVE.CA

Penthouse (PH) Live Work (LW) City Home (CH) High Rise (HR) Mid Rise (MR) Low Rise (LR) Loft (LO) Duplex (DP) Townhouse (TH) Row Home (RH)

BRITISH COLUMBIA’S NEW HOME DEVELOPMENTSP R O J E C T T Y P E C O N T A C T P R I C E P R O J E C T T Y P E C O N T A C T P R I C E


MISSION / HARRISON Fraser Landing TH 1-888-826-1177 From $249,900Horizons TH 1-888-826-1177 From $319,800

NEW WESTMINSTER 258 on Sixth HR 604-377-9630 CallAlexander Walk TH 604-779-1292 From $349,900 Canoe TH aragon.ca Now SellingDominion MR 604-525-8980 CallElliot St HR 604-524-8080 CallEnglish Mews TH 604-517-1688 CallGlass House Lofts LR 604-520-9890 CallLookout at Victoria Hill, The LR 604-523-0733 CallNorthbank HR 604-523-0081 From $249,900 Parkside at Victoria Hill HR 604-523-0733 CallRivers Walk TH 604-533-3575 From $469,900The Sapperton at Brewery District HR 604-694-1188 Coming SoonThompson Landing SF 604-520-3226 From $476,900 Trapp & Holbrook HR 604-525-0223 From $299,900

NORTH VANCOUVER 15 West HR 604-980-9949 From $539,900221 East 3rd LR Coming SoonAnchor, The LR 604-988-8800 From Mid $300’s Atrium at the Pier MR/TH 604-983-9065 CallCanyon Springs LR 604-973-0298 From $429,900Capstone MR 604-929-8870 Call CentreView HR 604-998-8540 Call Destiny 2 LR 604-929-1915 From $259,900Drive, The LR 604-986-8138 Call Heywood on the Park LR 604-985-0003 From $269,900Latitudes TH 604-435-9477 From $469,900Local on Lonsdale HR/LR/TH 604-998-0219 Call Loden Green TH 604-988-0022 From $599,900Maplewood North LR 604-727-1594 From $378,900Mill House LR 604.986.0007 From $299,900Northlands LR/TH 604-800-2120 CallPinnacle Residences at the Pier MR 604-983-9065 CallRemix LR 604-924-4488 CallTatlow LR [email protected] Coming Soon The Ave Boutique Res. LR 778-985-4676 CallTrophy at the Pier MR/TH 604-983-9065 From $509,900 Seylynn Village HR 604-980-5000 CallShore, The LR 604-980-0016 From low $200’sx61 LR x61living.com Coming SoonWest Quay MR 604-871-4474 Coming Soon

PITT MEADOWS Cedar Downs LR 778-846-3200 From $194,900Homes at Brogden Brown TH 604-761-6806 Coming SoonLiv42 LR 604-460-6601 From $134,900

PORT COQUITLAM Altura LR 604-552-5887 From $219,900 Amanti LR 604-475-3220 From $179,900Carmandy LR 604-435-9477 From $209,900 Dominion TH 604-469-8988 CallFremont Blue TH 604-552-0319 From$319,900Fremont Green LR 604-349-9245 CallLa Via LR 604-475-5100 From $169,900Orchid LR 604-866-4206 From $149,900Prima Residences LR 604-945-3999 From $219,900Salisbury Lane TH 604-475-1172 Coming SoonShaughnessy, The HR 604-468-8252 Call South Verde LR 604-468-8640 Call Valorie on the Park LR 604-464-4764 From $246,900

PORT MOODY Residences, The HR 604-552-0552 Call Station, The TH 604-492-3338 Call RICHMOND Alexandra Court LR 604-278-5809 $319,900Avanti LR/HR 604-276-9186 CallCadence HR 604-276-8683 Call Concord Gardens HR 604-233-7748 From $300,000’sEmpire Living TH 604-244-9622 Call Gardens, The LR 604 271 3331 From $396,900Grand, The HR 604 278 3880 CallHarmony HR 604-278-3939 From $322,300Kenstone Gate TH 604-218-3338 From $529,900Kingston Gate TH 604-760-6024 CallModern Estates TH 604-788-8833 CallMonet HR 604-233-7748 From $300,000’sElle HR 604-273-1313 Coming SoonOpal at Richmond Centre HR 604-303-7575 From $464,900 Ora HR 604-278-8838 Call Orchard (Beedie) HR [email protected] Coming SoonPinnacle Lilving at Capstan HR/MR/TH 604-303-0148 From $299,900Pier, The LR 604-274-7326 CallRiga TH 604-715-1250 CallRiva MR 604-278-8825 CallRiver Inlet MR/TH 604-233-2633 CallRiver Park Place HR 604-282-7838 From $229,500RiverSky HR 604-522-2583 Coming SoonSaffron LR 604-270-2482 Call Tempo HR 604-276-8885 From $283,900 Vogue TH 604-715-1250 CallWestminster Terrace TH 604-204-1077 Call SQUAMISH / WHISTLER Elaho TH 604-898-2232 Coming Soon Ocean Crest SF 604-896-2235 From $1,298,000 Ravens Plateau SF 1-888-852-7575 Call Aqua TH/LR 1-877-344-5566 From $239,000 University Heights LR 1-888-852-7575 Call SUNSHINE COAST SECHELTSilverStone Heights SF 604-741-1877 From $479,900SURREY3 Civic Plaza HR 604-951-3331 CallAshbury Hill TH 604-953-1211 Starting at $279,900 Ascend LR 604-596-2202 From $170’sBalance LR tiensher.com Coming SoonBishop Creek TH 604-588-0005 From $354,900Blackberry Walk TH 604-501-6119 Call Boardwalk TH 604.506.1852 From $341,900 Brixton TH 604-503-0483 From 299,900Brookside TH 604-372-2071 Fr. $279,900Canvas TH 604-598-8873 CallConnect LR 778-395-1886 From $118,800 Creekside TH 604-372-0400 High $200’s Edgewood TH 604-644-7811 From $344,900Esplanade at Waterstone LR 604-530-5399 From $219,900Eton TH 604-953-0833 Starting at $341,900 Evolve HR 604-497-0102 From $93,900Fusion TH 778-578-9779 From $344,900G3 Residences HR 604-453-6688 CallGuildford Greens TH 604-307-0400 From $349,900Guildford The Great TH 778-293-2222 Coming SoonHeights TH 604-538-8888 Coming Soon Highcrest TH 604-584-7273 Fr. $345,900Highlands SF 778-565-7768 Call for InfoHorizons SF 778-565-7768 Call for InfoHyde Park TH 604-506-1852 CallJoi Living TH 604-574-8888 From $339,000Kendra TH 604-590-9122 From $329,900Lingo LR 604-727-5478 From $159,900Lumina LR 604-727-5478 From $274,900Madison TH 604-543-6262 From $323,000Manarola LR 604-825-1038 From $179,900 Incl. GSTThe Maple TH 604-720-7478 Call

234214_Axis_NHBG_BannerAd_(Full_Bleed)_prs01.pdf 1 2015-01-16 11:37 AM

BRITISH COLUMBIA’S NEW HOME DEVELOPMENTS


P R O J E C T T Y P E C O N T A C T P R I C E P R OJ E CT T YP E C O NTACT P R IC E

The listings included on the following pages are meant to offer a comprehensive overview of those new home developments currently being marketed throughout Greater Vancouver and the Fraser Valley. Pricing is subject to change; you should contact the specific development for current details or special promotions. To report any changes or corrections to this information,

please contact our office at 604.519.6080, fax 604.519.6088, or email [email protected]


Oliver’s Lane SF 604-543-3868 From $489,900 One 44 TH 604-503-6402 From $298,500Panorama Station TH 604-372-2275 From $299,800Panorama Woods TH 778-593-9954 From $314,900Park Avenue West HR 604-583-9866 From $250’sPark Place Village TH 604-617-7763 From $359,000Quattro 3 LR 604-581-8000 From $159,900 Redwood TH 604-503-6929 Call for Info Rockwoods, The TH 604-503-1188 From Low $300’sSilverwood TH silverwoodliving.com From Low $300’sTeo TH 604-288-8981 From Low $300’sVerve LR 604-588-3783 From $160’sThe Walks TH 604-440-8070 CallUniversity District HR 604-588-5795 From $221,900 Wave HR 604-951-9283 CallWynd HR 604-951-9283 From $199,900Zen TH 604-355-0166 CallCLOVERDALE Clayton Heights TH/DU 604-723-4497 From $549,900The Grove TH 604-533-6968 Starting From $269,900MacKenzie Estates TH 604-538-2125 From $349,900One92 LR/TH 604-576-1772 From $199,900Salix LR 604-530-0054 From $241,900South Creek SF 604.372.0388 CallUptown Clayton Village TH 778-574-0146 From $329,900

VANCOUVER & AREADOWNTOWN 999 Seymour HR 604-879-9996 From $327,400Addition HR 604-338-5233 CallBurrard Gateway HR burrardgateway.ca Coming SoonEventide LR 604-783-1044 Coming Soon Fairmont Pacific Rim Estates HR 604-781-4303 CallFairmont Pacific Rim Estates HR 604-620-6692 From $349,900 Keefer 188 LR 604-620-2018 From $239,900Keefer Block LR 604-682-8813 From $269,900Mark, The HR 604-687-4353 Call Modern HR 604-879-2010 From $465,900One Pacific HR 604-899-8800 From $300’sPacific Pt HR 604-685-0855 From $349,900Private Residences at Hotel Georgia, The HR 604-682-8107 CallSapphire, The HR 604-876-9222 From $685,000Tate Downtown HR 604-568-8283 From $268,000Vancouver House HR 604-893-8958 Call EAST SIDE 238 W Broadway LR 238westbroadway.ca CallBohème LR 604-569-3388 From $227,900Brock East LR 604-715-6060 Starting at $299,900Charm LR 604-330-8838 From $266,900 Cordovan LR cordovan.ca Coming SoonFocal LR 604-563-6777 Coming SoonThe Independent at Main independentatmain.ca Coming SoonGem, The LR liveatthegem.com Coming SoonGrandview Cascades TH grandviewcascades.com Coming SoonJade LR 604-338-5233 CallKensington Gardens LR 604-620-7886 CallKillarney Ridge RH/DP 604-961-2861 Coming SoonKillarney Ridge SF Killarneyridge.ca Coming SoonLaureates, The 604-221-4450 Now PreviewingLocal LR 604-688-5527 From $349,900Main Street LR 604-877-1116 From $339,900Marquee on the Drive LR 604-559-2011 $329,900Mercer by Cressey LR 604-879-6400 CallOxford, The LR 604-779-0091 Starting at $239,900 Oxford LR 604-779-0091 CallRhythm MR 603-437-5315 From $389,900Shine MR 604-261-3936 CallSkyway HR 604-436-1100 CallTriumph TH 604-563-6200 CallView 388 LR 604-330-8838 From $219,900The Heatley at Strathcona Village MR 604-683-0900 From $199,900Vya MR 604-559-1070 From $239,999Wall Centre Central Park HR 604-874-9232 From $299,900Woodshire TH 604-719-1700 From $420,900Wohlstein MR 604-558-0899 From $240,000

WEST SIDE 41West MR 41westliving.com Coming Soon 5555 Dunbar LR 604-568-7551 From $349,900W10th & Maple MR/TH 604-239-2080 From $429,900 Alder Crossing TH/Studios 604-600-5405 From $290,000Aperture LR/TH 778-616-7008 From $$450Arbutus Ridge MR 604-738-0001 CallBennington House TH 604-538-1907 Coming Soon Binning Tower HR 604-646-1111 From $499,900Block 100 HR 604-682-8801 CallCambie & 7th HR/TH 604-568-5060 CallCambie Star MR cambiestar.com Coming SoonCambria LR 604-325-2216 Call Canvas MR 604-875-8508 Call Central HR 604-662-3373 Call Citti MR 604-880-6880 CallElizabeth LR 604-687-8800 Coming SoonEmpire at QE Park LR 604-568-5060 Call Granville at 70th HR 604-687-2298 CallKerrisdale Gardens MR 604-559-9848 From $540,900Kits360 LR 604-737-0360 From $379,900 Lido HR 604-872-2672 From $513,900Livingstone House LH/TH livingstonehouse.ca Coming SoonMC2 HR 604-638-9998 CallMeccanica MR 604-876-8819 From $349,900Midtown LR 604-563-3330 Call Northwest HR 604-325-5151 CallOak TH 604-418-6809 Starting at $749,800One, The MR/HR 604-874-8368 From $349,900Opsal HR 604-876-7332 CallParc Elise MR/TH 604-336-6380 From $290,900Pinnacle Living at False Creek MR 604-874-8368 From $369,900 Pinnacle Living Broadway MR 604-739-2080 From $399,900 Prodigy MR 604-221-8878 From high $300s Q16 TH 604-263-8090 CallRadius LR 604-731-5522 CallSail MR 604-221-8878 CallShannon Wall Centre Kerrisdale LR 604-267-8882 CallSixth & Steel TH sixthandwillow.com Coming SoonSixth and Willow TH 604-336-2800 CallThe Laureates HR 604-221-4450 CallTisdale TH 778-846-5990 CallTower Green at West HR 604-707-9378 CallVillage on False Creek, The MR 604-733-2010 From $414,500Vya LR 604-559-1070 From $239,999 WEST VANCOUVER 23rd and Bellevue HR cressey.com Coming SoonEvelyn LR 604-922-0330 CallKerrisdale by Cressey LR cressey.com Coming SoonWHITE ROCK / SOUTH SURREY Adagio LR 604-531-6659 From $288,900Avra HR 604-531-9030 From $319,900 Belcroft, The TH 604-568-8830 From $649,900 Beverley MR cressey.com Coming SoonBlu TH 604-782-5258 From $599,900 incl. GSTBreeze TH 604-582-1113 Call Elevate at the Hamptons DU 604-723-4497 From $629,900Elgin House LR 604-514-8092 From $269,900Essence at the Hamptons TH 604-723-4497 From $399,800 The Estates at Morgan Heights SF 604-560-1053 Call Gemini LR 604-536-1663 CallGeorge TH 604-571-6400 CallGrandview Heights TH discovergrandviewheights.comHeadwaters LR 604-535-1451 From $232,900 Heights, The TH/LR 778-545-8737 CallHycroft Rowhouses TH 605-541-2495 From 549,900Hyde Park TH hydeparkliving.ca Coming soonJacobsen TH 604-538-5591 From $519,900Morgan Rise SF foxridgehomes.ca Coming SoonNewport at West Beach LR 604-536-0256 CallOn The Course TH 604-385-0111 From $300’s Promenade LR 604-531-1111 From $314,900Royce LR 604-538-8028 From $314,900Sakura TH 604-538-5588 Call for InfoSaltaire LR 604-560-1656 CallSausalito MR 604-531-2200 CallSouthbrooke SF 604-805-2941 CallSouth Point Walk LR/TH 604-560-3238 From $230’s The Village at Southwood SF 604-560-3450 $729,900Winter Street LR 604-364-7455 From $299,900Woods TH 604-538-8876 From $379,900


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