gta new home guide - january 5, 2013

January 5 - 19, 2013 Volume 21 Issue 01

INSIDE THIS ISSUE

EXPLORING YOUR MORTGAGE OPTIONS

LOOK AT THE BOTTOM LINE BEFORE YOU SIGN

STAGE YOUR EXISTING HOME FOR MAXIMUM PROFIT

001-NHGTA_01-05-2013.indd 1 12/18/12 12:38:40 PM

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36 huntsville Skyline International Developments Construction now underway on Deerhurst Golf Cottages

82 mono Brookfield Homes Find your dream home at Brookfield Homes Fieldstone

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p. 32cover story

contentsjanuary 5 - 19, 2013 || volume 21 issue 01

24 36

82

community focus features regular and special featuresin every issue

4 editors note 10 contributors 38 hot dates 94 ad index columnists

16 bild report Why are there so many condos under construction? by Bryan Tuckey

22 legally speaking Not every lawyer is a real estate lawyer by Jayson Schwarz

30 taxing issues Captial expenditures and deductible expenses by Henry Choo Chong

34 industry outlook Look at the bottom line before you sign on the dotted line by Hugh Heron

64 the mortgage minute Is a variable rate mortgage right for you? by Peter Kinch

68 home smarts How to stage your existing home for maximum profit by Marnie Bennett

96 fundamentally speaking Learning about mortgages is time well spent by Wayne Karl

homebuyers help

14 mortgage options Explore your options before signing for a mortgage

20 style file The coffee table by Yanic Simard

28 colour of the year Emerald City by Silvana Longo

44 quick tips Resolve to get organized in 2013

46 smart shopper Exclusive discounts and deals for our readers

80 trendspotting Mugged by Elisa Krovblit

87 resource section Mortgage Calculator and Rate Table

91 gta hot sheet Two pages of new openings, new releases and preview registrations

20 30

1438

e d i t o r s n o t e

The last couple months of 2012 were certainly interesting simultaneous talk of slowdowns and soft landings in some markets, increases, upticks and value gains in others. Indeed, now more than ever, housing and economic conditions serve as reminders of how local real estate is. Whats going on in one part of the country or province or in a specific property type, may be completely different from another.

On the positive side are interest rates that are still at or near historic lows, with the next Bank of Canada rate announcement to come Jan. 23. Many experts dont expect rates to begin rising until mid-year at least, while cautioning that Canadians should not confuse cheap money if they qualify with free money. The BoC continually keeps a close eye on household debt and other signposts for any warnings were taking on more debt than we should.

Your best strategy as a prospective homebuyer? Meet with your broker or banker to see how you can take advantage of these opportunities, without getting in over your head.

Wayne Karl Editor Wall2Wall Media, [email protected]

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

Resolve to plan carefully in 2013 Still-low rates provide homebuyers with an opportunity to buy, but not at any cost

New home experience Make wise choices and enjoy the process

When only a new home will do, those in the market will be pleasantly surprised by the exceptional value and attention to detail a new home offers. When you buy new, you dont inherit somebody elses worn carpeting, personal taste in kitchen appliances or paint colour preferences. You get a fresh, clean space thats waiting for your personal imprint.

If youve always fantasized about buying a brand new home, here are a few tips that can help you make the process a pleasant one: Shop the mortgage market to see what you can afford before you start your hunt; Obtain a lawyer who is willing to review your offer as well as help you close

the home; Dont be persuaded by high pressure sales tactics while youre out shopping; Determine which options and upgrades you want as part of your offer and ensure

your lender will finance whats required, if needed; To save money, consider which upgrades you could purchase and install yourself

after the sale closes. Some upgrades such as rough-ins and wiring inside the walls are easier to do before construction.

Factors such as the cost of the home, neighbourhood, lot size and special features play a big role in your final decision. Determining which features your new house absolutely must have, and which features you could live without, should be among your first steps in the home-buying process.

We hope you enjoy this issue of New Home Guide. Let us know what you think! Wed love to hear from you.

Susan Legge Editor-in-chiEf Wall2Wall Media,[email protected]

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

4 nEw hoME guidE gtA | january 5 - 19, 2013

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For the last sixty years, Menkes has been a central chapter in the Life Storeys of so many.

From spacious, single family homes in friendly neighbourhoods to sleek and contemporary

condominium retreats, discover spaces that allow you to create the storeys that matter most yours.

Happy holidays from your friends at Menkes.

Where will your storey take youthis Holiday Season?

The best of the season from all of us at Menkes.

menkes.com

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Durhams Model Home of the Year37' & 42' Detached Homes

Salem Rd. N. & Williamson Dr. E., AjaxStarting from $469,990

Visit us at menkes.com 905.428.0500

Now Under ConstructionMILLSTONE ON THE PARK

Urban Towns Now PreviewingModern Towns Now Under ConstructionDundas St. W., east of Bronte Rd., Oakville

Starting from the low $300s


Now PreviewingTHE ENCLAVES OF UPPER CANADA

Semi Links & 30 Detached HomesGuelph St. & MacFarlane Dr., Georgetown



Now OpenBLOOM PARK TOWNS

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TownsNorth of Burnhamthorpe Rd.off The West Mall, Etobicoke

Register at menkes.com416.642.8955

6

For the last sixty years, Menkes has been a central chapter in the Life Storeys of so many.

From spacious, single family homes in friendly neighbourhoods to sleek and contemporary

condominium retreats, discover spaces that allow you to create the storeys that matter most yours.

Happy holidays from your friends at Menkes.

Where will your storey take youthis Holiday Season?

The best of the season from all of us at Menkes.

menkes.com

menkes.comfacebook.com/MenkesLife @MenkesLife

Now Under ConstructionSOMERSET SOUTH

Durhams Model Home of the Year37' & 42' Detached Homes

Salem Rd. N. & Williamson Dr. E., AjaxStarting from $469,990


Now Under ConstructionMILLSTONE ON THE PARK

Urban Towns Now PreviewingModern Towns Now Under ConstructionDundas St. W., east of Bronte Rd., Oakville



Now PreviewingTHE ENCLAVES OF UPPER CANADA

Semi Links & 30 Detached HomesGuelph St. & MacFarlane Dr., Georgetown



Now OpenBLOOM PARK TOWNS

Design Forward TownhomesBathurst St. & Finch Ave., North York



Coming SoonHUMBER MEWS

TownsBrowns Line & Evans Ave.,

Etobicoke

Register at menkes.com 416.642.8955

Coming SoonDWELL CITY TOWNS

TownsNorth of Burnhamthorpe Rd.off The West Mall, Etobicoke

Register at menkes.com416.642.8955

7

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

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The Preserve will offer many parks and village squares that provide a small town, friendly atmosphere. There is an old growth forest in The Preserve. Ponds and a landscaped

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8 New home guide gTA | january 5 - 19, 2013

mattamyhomes.com

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

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

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Sales/DesignCentre

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The Preserve Is Our TributeTo Oakville Living.

Oakville is our home. Its where we started in 1978 and now we invite you to make Oakville your home as we present The Preserve.

The streets of The Preserve will present a collection of high style homes offering the very best in contemporary living. Youll fi nd well appointed

Village Homes, distinctive Rear Lane Townhomes and a full selection of 34', 38', 45' and 50' Detached Homes.

The Preserve will offer many parks and village squares that provide a small town, friendly atmosphere. There is an old growth forest in The Preserve. Ponds and a landscaped

channel will add to the serenity. Families will enjoy inspirational walks with spectacular views.

We invite you to experience our high watermark community, The Preserve in Oakville.

Mattamy Model Home Interior Downtown OakvilleWatercolours Community

Village Home, The Clearwing, Elev. E, 1,135 Sq.Ft., $374,990

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38' Home, The Alder, Elev. E, 2,459 Sq.Ft., $712,990

NH&Cdps(Preserve)_Dec 15.indd 1 12-12-11 4:26 PM

9

vice-president, wall2wall Media

Jacqueline Hill

sales Manager new HoMe guide gta, new condo guide, HoMe dcor & renovations

Conni Robinson

associate publisHer, new HoMe & condo guide swo, lifestyle coMMunities

Susan Maxwell

editor-in-cHief, national real estate

Susan Legge

editor

Wayne Karl

art director

Julie Yoo

contributing editors

Janine Druery, Elisa Krovblit, Silvana Longo, Lydia McNutt (on leave), Sara Duck (on leave)

senior account executive

Nina Downs [email protected]

senior account executive

Dionne Fraser [email protected]

sales & Marketing co-ordinator

Terry Bassett

distribution & sales co-ordinator

Jennifer Bistron

adMinistrative assistant

Antoinette Jackson

production Manager

Bala Gnanapandithan

production co-ordinator

Sandra Hanak-Vujnovic

grapHic designers

Alexander Yakubovich, Sandra Hanak-Vujnovic

national account Manager, Mediative Paul Slizys

publisHed by

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#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867

advertising Call 416.626.4200 for advertising rates and information.

circulation Free distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices.

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

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

contributorsnew HoMe guide

bild report bryan tuckeyBryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta), Youtube (youtube.com/bildgta) and BILDs official online blog (bildblogs.ca)

taxing issues Henry choo chong, cga

Henry Choo Chong is a certified general accountant. Henry sits on many committees and provides accounting and tax advice to individuals and businesses in the GTA. Send your tax questions via email to Taxing Issues at: [email protected]

legally speaking Jayson schwarz, schwarz law -barristers and solicitors

Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. He can be reached by visiting schwarzlaw.ca or by email at [email protected] or phone at 416.486.2040

industry outlook Hugh HeronHeathwood Homes

Hugh Heron is principal and partner in the Heron Group of Companies and president of Heathwood Homes, as well as a former member of the board of directors of Canada Mortgage and Housing Corp., and a past president of the Toronto Home Builders Association and the Ontario Home Builders Association.

style file yanic simard Yanic is design editor of New Home Guide sister publication New Condo Guide and principal designer of Toronto Interior Design Group. Yanic often applies his signature high/low and old/new combination techniques in developing his unique designs. He has created designs for clients in Toronto, Montreal and Miami, and appears as a regular guest expert on Citytvs CityLine. Visit tidg.ca for more information.

HoMe sMarts Marnie bennettMarnie Bennett is a broker and the team leader of Bennett Property Shop Realty, a full premium service five star real estate brokerage specializing in marketing and selling new and resale homes, condominiums and investment real estate. Marnie is the host of the weekly radio shows the Real Estate Hour and Business Class, a millionaire real estate investor and a real estate wealth management coach. bennettpros.com

tHe Mortgage Minute peter kinch Peter is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action PlanVisit peterkinch.com or contact him at [email protected]

10 new HoMe guide gta | january 5 - 19, 2013

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january 5 - 19, 2013 | New home guide gTA 13

When its time to reneW your mortgage, sharpening your focus and thinking about your future could help put thousands of dollars in your pocket. Too often, Canadians receive their renewal notice and sign on the dotted line without weighing their op-tions. Dont be swayed by the conve-nience. By doing your homework, youll likely be one step closer to being mortgage-free.

Chances are your circumstances have changed from when you ob-tained your first mortgage. Whether its a change in your job or family situation, renewal time is a great op-portunity to re-evaluate your needs and the mortgage that would work best for you. In most provinces when you renew your mortgage, you are simply starting the mortgage from scratch. The existing mortgage is closed and a new mortgage with new terms and rates is set up.

Typically, the process starts when your lender sends you a mortgage re-newal statement about 30 to 45 days before your current mortgage matures. At that point, you will have to make an important decision about your fu-ture mortgage. Will it be based on signing the renewal notice and return-ing it to your financial institution, or will you take the time to meet with your lender face-to-face? If you make the wrong choice it could be a costly mistake. Since most lenders want to

keep your business, meeting with them could help you secure a reduced interest rate and a better term. The renewal letter from your lender may not give you the best rates available. In fact, these are often higher than the lenders lowest rate. Negotiating a rate and other privi-leges can strengthen your financial position over a period of time. If your lender is not willing to do this, you are not obliged to renew your mortgage with them.

Understanding YoUr options01 If you can afford it, pay down on the existing mortgage before signing the new deal. It can save you a lot of inter-est over the life of the mortgage.

02 Banks are often willing to negotiate rates and terms, but are restricted by the products they have. On the other hand, mortgage brokers deal directly with the mort-gage underwriting department from most financial insti-tutions and can look for the lowest interest rate on your behalf. Whether you choose to deal with a bank or a mortgage broker, both aim to find you a mortgage based on your needs.

03 The new mortgage should be tailored to your specific needs and not to the latest headlines in the financial sec-tion of the newspaper or on television. Interest rates can rise and fall like a roller-coaster and are hard to predict over long time frames.

04 Northwood Mortgage recommends that if the renew-al rate is lower than your previous rate and you are still comfortable with making these payments, keep the pay-ments the same at the lower rate. By doing this, you will reduce the amortization period of your mortgage.

05 There is a variety of mortgage types available for ho-meowners and choosing the right one can be confusing.

Explore the options

BefOre yOu SIgN yOur NexT MOrTgAge reNeWAl

mo r t g a g e o p t i o n s

14 NEw homE guidE gTA | january 5 - 19, 2013

lenders will offer you terms ranging from short-term open to longer-term closed and locked-in rates. Centum Pacific Mortgages suggests that if you plan to sell your home soon, a short-term mortgage or one with flexible terms will help you avoid penalty charges before the mortgage comes to an end.

Making more money? Try short-ening the term of the mortgage by paying bigger lump sums each month. This strategy not only cuts the repay-ment period, it also saves you interest in the long term and pays down your mortgage faster. Although it increas-es your monthly mortgage payment and raises your month-ly expenses, its a great option for those who are finan-cially sound, planning an extended leave or working toward early retirement.

Apart from making larger payments, you can also change the frequency of your mortgage payment from monthly to biweekly or weekly installments, which will save you a bundle in the long run.

If your budget is tight, choosing a long-term mortgage with a lower, fixed-interest rate may be a better option. A three-, four- or five-year term is considered a long-term mortgage. And even though the rates are higher than a short-term mortgage, it can help you manage your bud-get accordingly.

06 you can increase or decrease the amortization period of your mortgage, which can range up to 30 years. If you are looking to minimize your monthly payment, a longer repayment period is perfect. If you are looking to pay off your mortgage faster, a shorter amortization period is the way to go.

07 renovations are a great way to in-crease the value of your home, but these projects are usually expensive. you can make this type of project af-fordable by adding a line of credit to

your mortgage, using existing equity or keeping your mortgage payments low.

08 refinancing your mortgage is something you may want to consider during mortgage renewal time. refi-nancing frees up cash you may need for the unexpected. If you choose to refinance, Centum Pacific Mortgages says you must pay out the mortgage in full and arrange a new mortgage with the same or a new lender. How-ever, you will be expected to pay extra fees such as appraisal, legal and oth-er costs, as it is considered a brand new mortgage.

Becoming mortgage-free requires some planning. Taking a fresh look at your future and staying on top of your renewals will not only help you get the best deal, it will also help you enjoy the benefits of home own-ership sooner.

If you can afford it, pay down on the existing

mortgage before sign-ing the new deal. It can save you a lot of inter-est over the life of the

mortgage.

january 5 - 19, 2013 | NEw homE guidE gTA 15

I was perplexed by the headlInes last week after the release of the Bank of Canadas report, Financial System Review. This comprehensive 63-page report looked at a wide range of issues such as challenges across the global market, interest rate projections and Cana-dian household finances and the housing market. When a multi-faceted report like this is released, we all have to work together to better under-stand the very dynamic and complex housing market, especially in the GTA. Im going to try and provide some context and clarity.

First, some context: every year, 100,000 people choose the GTA as their home. Thats equivalent to the city of St. John, NB moving here year after year. To provide homes for this growing population, our industry meets the challenge of building about 40,000 homes annually to meet the demand.

This year, we are expecting to sell about 35,000 new homes in total and thats in line with our projections. The majority of the new homes sold this year were highrise homes, and what were experiencing in the new home market is different than what weve experienced in the past. The change is a direct result of provincial public policy that has encour-aged intensification in existing communities and constrained land supply in the regions surrounding the city of Toronto.

Therein lies one of the major missing facts from last weeks coverage of the Bank of Canadas report, which correctly states that the total number of housing units under construction has been increasing and is now well above its historical average relative to the population.

Ten years ago, the majority of homes sold and constructed were lowrise, and now they are highrise. The reason there is an increasing

Bryan Tuckey is President and CEO of the Building Industry and Land Development

Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/

bildgta), Youtube (youtube.com/bildgta) and BILDs official online blog (bildblogs.ca).

b i l d r e p o r t

by Bryan Tuckey

uNdeR CoNSTRuCTIoN?

Why are thereso many condos

number of homes under construction is because homes in a condominium building can take three to five years to move through the process until built out to completion.

The shift in housing type is evident not just by looking at the skyline, but by looking at the sales figures over the last decade. Ten years ago, 75 per cent of the new homes sold in the GTA were ground-related and 25 per cent were highrise homes. Last year, 62 per cent of new homes sold were high-rise and 38 per cent were ground-related.

From an economic perspective, thats something we should all be proud of because it means jobs. each project represents about 200 to 500 jobs for four to 10 years.

Instead of negative headlines, we should also be celebrating the fact that 88 per cent of the highrise homes under construction across the GTA right now are sold and will be occupied by new homeowners soon.

Sounding the alarm on a robust con-dominium market that provides homes to first-time homebuyers, small families, down-sizing baby-boomers and renters is not helpful.

A deeper look reveals that provincial land-use policy has caused an imbalance in housing type by constraining land supply and recent changes to mortgage regulations by the federal government have already eroded consumer confidence.

We need to wake up to the real stories: Toronto has a successful condo market that is the envy of most North American cities, and choice and affordability in the ground-related housing market are disappearing. These are the stories that need to be told.

Find the Financial Systems Review report on the Bank of Canadas website at bankofcanada.ca

16 neW home guide gTa | jAnuARY 5 - 19, 2013

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ITS A NECESSITY FOR ANY FAMILY ROOM, ThE landing place for all, and the centre of attention: its the coffee table.

I did a segment on CityLine recently about various coffee tables sizes, shapes, finishes and how to acces-sorize them. We kept the same living room set through-out the segment, and swapped out only the coffee table and its accent pieces, creating many different looks. Everyone was so surprised at how different the room looked each time.

If you want to give your space a whole new look, a

coffee table might be the way to do it. Ive narrowed down the vast selection of tables to my top seven picks:

1. WAShED WOOD & METAL RECTANGLEIf youre looking for durability and practicality, this is my number one choice. The typical size of a rectangular cof-fee table is approximately 56-by-31-by-17 in., making it the perfect size for displaying several groupings of items such as collectables. For added storage space, or the per-fect spot for magazines and books, look for this type of table with bottom shelf that hovers just off the floor.

by Yanic Simard

s t y l e f i l e

The coffee table


2. ODD-ShAPED GLASS COFFEE TABLETransparent finishes such as glass are sometimes all a space needs to make it feel more open and airy. This clas-sic Noguchi-inspired tables irregular shape adds interest and character to a typical furniture setting. Pairing this coffee table with a sectional sofa looks phenomenal. Ac-cessorize this with opaque items at varying heights, keep-ing the items toward the centre point of the surface.

3. ThREE-PIECE OVAL/RECTANGLE COCKTAIL TABLEI love this classic three-piece table because its so func-tional. Those who entertain favour it because they can use the two demi-lune ends as side tables which allows for more spread out landing areas for drinks and snacks. The shape and style of these tables are so pronounced that no accessories are needed it stands alone beautifully.

4. OVERSIZED SQUARE UPhOLSTERED OTTOMANComfort and cosiness is instantly injected into a room when you bring in a large ottoman covered in fabric or leather. Another family favourite, this piece is versatile because it also functions as extra seating. To accessorize, simply look at the top of the ottoman as a grid divided into four sections, and accessorize each section indi-vidually (for example, 1. stacked books, 2. pillow/throw, 3. bowl/vase, 4. tray).

5. GROUPING OF STOOLSCombining two to six of the same or different stools to-gether to create one coffee table is a look I really love. This idea is great for small spaces where you might not have the room to bring in a full-size coffee table and, again, functionality wins big here because it can be moved around the room or even from room to room. No acces-sories are needed for this style of table.

6. LOW, FAUX STONE COFFEE TABLEBringing in a piece like this is completely unexpected which is why it works so well in any dcor. The look is more natural and less refined, and it helps in visually weighing down a space that lacks balance (but its not actually heavy at all). A lower coffee table is in need of accessories that have height, such as a globe, a stack of books, and an orchid flower.

7. ROUND, WOOD TABLEIve found that this traditional table is an all-time favourite among almost everyone. Whats not to like about the smooth and soft curves and the classy finish? Pair this classic-style table with a modern sofa for a sophisticated, designer-worthy look.

YANic SimArd is the principal designer of the Toronto Interior Design Group.

Specializing in residential and commercial projects, Simard often applies his signature high/low and old/new combination design

techniques in developing unique designs. Simard has created designs for clients in

Toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytvs

CityLine. For more information visit tidg.ca

if you want to give your space a whole new look, a coffee table might be the way to do it


Not all lawyers are created equal. If you Needed a heart surgeon, you certainly would not go to see a podiatrist. By the same token, lawyers generally have expertise in one area greater than another. Do not believe that the granting of a law degree instantly bestows knowl-edge of all laws on the head of a lawyer.

The first thing you need to do to find a lawyer is the same thing you ought to be doing to find a home research! Where do you look? Start with media and look in magazines (editors note you already have your issue of New Home Guide, so youre off to a good start!), newspapers, listen to radio, watch real estate television. Generally speaking, the lawyers who appear in public, speaking or writing about real estate, are thought to be experts in the area. Go to seminars and listen to the speakers. Generally, if a lawyer is taking the time to par-ticipate in a seminar, he/she knows what he/she is talking about and is happy to take on new clients that come out of those seminars.

Next, go online and check out the websites of different real estate lawyers. Look to see whether they give good, infor-mative advice; whether they give you pricing; and whether they make you feel comfortable.

Call the Law Society of Upper Canada, Lawyer Referral Service, which can be found in the telephone book. This service keeps lists of lawyers and refers requesting members of the public to lawyers who practice in the area requested. This just gets you someone in the area. You really need to check them out when referred.

Speak to friends who have used a lawyer for the type of service you require and ensure they did the job professionally, courteously and for the price quoted.

Not every lawyer

is a real estate lawyer

l e g a l l y s p e a k i n g

by Jayson schwarz

Jayson Schwarz LL.M. is a Toronto real estate lawyer and senior partner in

the law firm Schwarz Law LLP. If you have a topic in mind, email [email protected] and give us your

questions, concerns, critiques and quandaries.

Who is making the referral? Is the referral coming from a real estate agent, a mortgage broker or a bank? This is not necessarily bad, but you have to be careful. Quite often, lawyers develop relationships with various groups over the years and receive referrals because they do a great job. On the other hand, ensure that your lawyer is independent and will represent your interests even if it puts him/her into an adversarial position with one of those parties. This is quite important, so make sure you get comfortable with this issue before you hire someone.

Now to bring this back to the original idea, what you need to understand is that there are general law practitioners just like there are family doctors. What this means is that a lawyer may have a wide-ranging practice composed of many areas. The smart lawyer who falls into this cat-egory knows that if there is a serious issue

that arises outside of their expertise they should bring in a specialist, just like your family doctor would. The bad lawyers try to do it all. The

general practitioner can probably handle your real estate deal just fine, but make sure he/she understands any complicated offers and that he/she reviews them care-fully, pointing out any problems. Ensure that he/she knows what can be negoti-ated and what cannot, or you may lose your deal.

Remember, your lawyer is a very im-portant part of the process, so take your time and find the right one.

...so make sure you get comfortable with this issue before you hire someone.

22 New hoMe guide gTA | january 5 - 19, 2013

www.schwarzlaw.ca

BRAMPTON Office10 Wilkinson Rd. Unit 22

Brampton, Ontario L6T 5B1

905.455.5777Toll free: 1. 888.609.8888

fax 905.452.8135

YOU NEED A LAWYER

BUYING, SELLING OR REFINANCING

A HOME?

Quality legal services at the right price*

$849plus HSTKONsTANTiNe chATzidiMOs JAysONschWARzToronTo office

1984 yonge st.,Toronto, Ontario M4s 1z7

416.486.2040Toll free: 1.888.609.8888 fax 416.486.3325

Helping YOU make your home buying dream a reality

*Certain Terms and Conditions shall apply. Full disbursement disclosure. 23

When driving along Chinguacousy Road in southwest Brampton, one gets the feeling that theyre in the midst of a very special commu-nity. Its a place where the valleys of the Credit River offer a breath-taking outdoor playground of lush green parkland. It is within this remarkable setting that esteemed builder Fieldgate Homes has announced an exciting Grand Opening for the new location of its popular family community, Val-leylands on Chinguacousy.

The southwest corner of Queen St. West and Chinguacousy Rd. is the site of the all-new location for this latest release at Valleylands. This new release features new designs in 28-ft. linked singles that range from 1,657 to 1,915 sq. ft. and 45-ft. luxury singles that range from 2,640 to 3,310 sq. ft. These latest offerings are in addition to the exceptional collection of town-homes and 38-, 41-, 50- 60- and 70-ft. singles still available at the original Valleylands location nearby. With towns starting from $385,990, linked singles

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

Brampton

location

Townhomes from $385,990; 28-ft. linked singles from $409,990 and singles on 38-, 41-, 50-, 60- and 70-ft. lots from $529,990

housing type

905.457.0445 fieldgatehomes.com

contact

fieldgate homes Valleylands

C O N T I N U E D O N pa g E 2 6 . . .

Valleylands in BramptonNew desigNs iN a New locatioN at

GRAND OPENING

45-ft. york, 3,310 sq. ft.

24 new home guide gta | january 5 - 19, 2013

from $409,990 and singles starting from $529,990, theres a home for everyone at Valleylands.

One of the finest offerings from Valleylands new loca-tion is the 45-ft., 3,310-sq.-ft., double-car garage, four-bedroom York Elevation B. The York offers a spectacular front elevation of brick and stone, featuring large windows and a covered porch. Inside the stylish foyer opens on to a large open-concept living and dining room with coffered ceiling. Just down the hall is the stunning gourmet kitchen, complete with breakfast bar, servery, walk-in pantry and sliding patio doors. Adjoining the kitchen is a generously sized family room with gas fireplace. On the opposite side of the family room is a charming library with optional French doors opening to the backyard. The second floor features a master suite complete with a spacious walk-in closet and spa-like ensuite featuring his and hers sinks, oval tub and separate shower. Home purchasers also have the option of including a private master retreat with optional gas fireplace in the master suite, or having the convenience of a den that opens to the main hallway. At the top of the stairs home purchasers will be pleased to find an upstairs laundry room. Bedrooms two and three share access to an ensuite and bedroom four has access to its own private ensuite. Priced from the upper $600s, this luxurious model is a triumph of elegance and sophistication.

For most families, school is a top priority, so its nice to know that Valleylands is ideally situated to take advantage of many of Bramptons wonderful educational facilities. A new elementary school is proposed for construction right

in the Valleylands community, and Queen Street elemen-tary school and Sir William Gage middle school are just a short walk north of the community. There are also a number of public and Catholic primary and secondary schools within a short distance. And with post-secondary tuition costs on the rise, its nice to know that Valleylands is ideally situated to make the live-at-home college lifestyle a breeze. Well-regarded institutions such as Sheridan College and Algoma University both have campuses that are just a short drive or bus ride away.

In addition to excellent proximity to schools, Valleylands is also in a great location to take advantage of a whole host of other lifestyle amenities. The Heartland Town Centre is only five minutes away, offering major retailers such as Best Buy, Home Depot and Costco. Nearby Erin Mills Town Centre, Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restau-rants. For those in search of live entertainment, theres the Rose Theatre, offering a year-round calendar of musical and theatrical performances. Golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance, and the commute to Toronto is a breeze with Hwys. 401 and 407 just minutes away. With more than 50 years of experience, Fieldgate Homes is one of the GTAs finest home builders, known for their exceptional floor plan designs. For more information on Valleylands, please call 905.457.0445 or visit fieldgatehomes.com

c o m m u n i t y f o c u s | C O N T I N U E D


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

through the front door youll say, I am happy, I am comfortable I am home!

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

Prices and specifi cations correct at press time. E. & O.E. Prices quoted are in $ thousands except for Kleinburg pricing.

Chippawa / Niagara - Lyons CreekNew 35 bungalow loft towns & 50 singles from the low $300s.

Lyons Creek Blvd. & Sodom Rd. East of the QEW

Thorold - Gibson HeightsModel home inventory release! Towns, semis & attached

singles from the $240s. Plus 45, 40 & 36 lots from $300s.Richmond St. & Winterberry Blvd., South of Hwy. 58

Ancaster - Tiffany HillLuxury stone, stucco & brick detached homes

on 45 lots from the $460s and 4 models to tour!Garner Rd. E. & Raymond Rd. East of Hwy. 6

Brampton - Mount PleasantNew 20 towns plus 25 attached singles. Detached homes on 30, 38, and 41 lots

On Mississauga Rd., North of Bovaird Rd.

Kleinburg - Platinum Home CollectionHomes of Distinction from $1.3M to over $1.8M

KleinburgHeritageEstates.comHwy 27, North of Nashville Rd.

Nobleton - King Country EstatesElegantly appointed detached homes on

63, 56 & 50 lots from the $780s.Hwy 27 & Park Heights Tr., North of King Rd.

27

c o l o u r o f t h e y e a r

THIS YEAR, ALL ROADS LEAD TO EMERALD PANTONES COLOUR OF THE YEAR FOR 2013. THIS JEWEL TONE IS SOPHISTICATED AND LUXURIOUS AND IS ALSO THE HUE OF RENEWAL AND PROSPERITY. HERES A PANORAMIC VIEW OF THIS YEARS IT COLOUR, FROM FASHION, BEAUTY AND DCOR, YOU WILL SOON REALIZE LIKE DOROTHY, WHEN IT COMES TO EMERALD GREEN THERE IS NO PLACE LIKE HOME.

Photo bY Pantone

by silvana longo

emerald

Tiffany & Co. Emerald ring with diamond baguettes in platinum Photo bY Carlton Davis. visit tiffany.ca

LObjet Malachite candle, $183. visit williams-sonoma.com

Silk PJ top, $49. visit joefresh.com

Gucci 60th Anniversary Patent Frame Drivers, $525 visit holtrenfrew.com

city


London sofa, $2,095. visit elte.com

Staub Coq au Vin in emerald, $175. visit williams-sonoma.com

Leather gloves with cuff, $59.99. visit winners.ca

Happy Days punch bowl with ladle, $49. visit eq3.com

Marimekko Siirtolapuutarha cushion, $55. visit eq3.com

Covet Eyeliner, $19. visit urbandecay.com

KOPPAR table lamp, $19.99. visit ikea.com/ca

Colour Pop coffee pot, $38. visit anthropologie.com

LEENDE carafe, $9.99. visit ikea.com/ca

Broad stripe, $185 Vermicelli, $255. Both per 11 yard roll. visit farrow-ball.com


t a x i n g i s s u e s

Q. I recently purchased a rental investment property. Fortunately, the home was rented quickly. However, last summer because of several days of heavy rainfall, the roof leaked terribly and our ceilings were partially water damaged. I had to reshingle and replace almost half of the entire roof and repair the ceiling and floors. It also cost me more than $1,200 for a new fridge and stove. I have an individual who prepares my income taxes who has advised me that these are capital items and I could not deduct them for my income taxes. I find that ridiculous to be out of pocket that amount of money and I cannot deduct it. Sam, Toronto

A. Real estate rental deductions are always contentious, and Canada Revenue Agency frowns on expenditures that should be capital-ized as opposed to being expensed immediately. As an accountant who deals with real estate investors on a regular basis, I can tell you your concern is not isolated. The Income Tax Act does provide guidance with regards to capital items and current expenses.

Capital expenditures Generally, these are expenditures that will provide benefits and a useful life for several years such as appliances, air conditioners and dishwashers. The Income Tax Act provides for Capital Cost Allowance (CCA) deduction for capital expenditures that can be expended over the useful life of the asset.

deduCtible expenses Generally, these expenditures may be deducted in the year they are incurred. They would include all expenditures directly related to the property such as property taxes,

insurance, utilities, mortgage interest, advertising cost, legal cost, accounting fees, and repairs and maintenance.

It would appear your repairs were per-formed to maintain the property to its original condition and would therefore be considered a current expense.

However, the fridge and stove must be capitalized.

Investors should always have a good accountant who deals with real estate investments on a regular basis to ensure the right advice is given.

Q. I recently started my own small business, which is registered as a non-incorporated business. It earned ap-proximately $34,000, less expenses. Ad-ditionally, I am employed full-time, as is my wife. What is my final date and can I choose my own year-end for my company? Yves, Oakville

A. Congrats on joining the ranks of entrepreneurs. Many individuals talk about starting their own business but are reluctant to do so for various reasons. The primary obstacle is fi-nances, followed by lack of knowledge about where to start.

Individuals who are strictly T4d that is, employed full- or part-time were to file their years personal tax return on or before April 30 of the following year. Self-employed (including non-incorporated businesses) taxpayers and their spouse had to June 15 to file their tax return for the previous year. However, any income taxes owing would have to be remitted on or before April 30 of the filing year.

Therefore, you should have your tax returns prepared before the end of April to avoid any interest penalties.

Henry CHoo CHong, Cga provides accounting and tax services to individuals and businesses in

the GTA. He can be reached at 416.485.5220. Any questions to Taxing Issues should be e-mailed to

[email protected]

by Henry CHoo CHong

Capital expenditures & deductible expenses

30 new Home guide gta | january 5 - 19, 2013

Hours: Mon-Thurs. 1-8pm, Fridays by appointment, Sat., Sun. & Hol. 11am-6pm. *Specifications are subject to change without notice. E. & O. E. See Sales Representative for details.

madisonhomes.ca

Corn

ell C

entr

e Bl

vd.

from $1,089,990

905-417-1203

Detached homes on 46, 50 and 60 lots. Ravine lots available.

from $525,990 905-472-7667

from $486,990 905-201-7700

Semis and Detached homes on 30, 36 and 40 lots.

decorated Mo

deLs

decorated Mo

deLsdecorat

ed ModeLs

Semis and Detached homes on 35' and 41' lots.

INVE

NTOR

Y SAL

E

$25,0

00 O

FF

NEW

RELE

ASE

NEW

RELE

ASE

Where dreams and families come together in 3 Superb Communities

MaRkHaM THORnHillMaRkHaM

UPTO

MAD-MULT-A-AD-NHC-NOV29-1.indd 1 12-11-29 12:03 PM


Picture yourself in the perfect family setting beautiful, brand new home in a well-established area. A spacious home where youll be comfortable, in a close-kit com-munity where youll enjoy real peace of mind, surround-

ed by family, friends and neighbours.Nothing is more important than family and there are few deci-

sions in life as important as where you and your family should live.At Ballantry Homes, weve made this decision that much easier

with Spring Valley Village in Brampton a collection of semi-detached and detached homes surrounded by valley lands, parks

c o v e r s t o r y

Spring Valley Village in BramptonWhere nature meetS the city

Brampton

location

905.457.3698 | ballantryhomes.com

contact

housing type

Semi-detached and detached homes


and schools. Homes range from 1,530-sq.-ft. semis from $373,900, to 2,165-sq.-ft. detached homes from $519,990.

Ballantry Homes exteriors offer a wonderful first impression. Yet even more impressive are the interiors that await when you step through the front door. From the gracious foyers to the pampering privacy of the bedrooms upstairs, these homes are fashioned to fit your lifestyle, from everyday living to entertaining on special occasions. Elegant living and dining areas, great rooms, gour-met kitchens, luxurious ensuite bathrooms each room has been thoughtfully considered and beautifully appointed, and all executed with the quality craftsmanship that has become a hallmark of Ballantry Homes.

And when it comes to location, location, location, Spring Valley Village has it all, and then some. Brampton today it is a bustling multi-cultural metropolis that boasts all the amenities and attrac-tions residents could ever desire.

Here, everything you could ask for is within quick and easy reach. Fine schools, parks and places worship, superb shopping and dining opportunities from an array of merchants and restaurateurs, top-ranked golf courses, theatre, arts and culture, sports and other recreational activities and healthcare facilities. All with close and convenient access to the Brampton GO Station and local public transit, and just minutes away from major thoroughfares including Hwys. 410 and 407.

Ballantry has always treated its customers as number one. Having built some of the finest homes and estate communities

BallantRy homes Spring Valley Village

in and around the GTA, the com-panys reputation for meticulous at-tention to detail and craftsmanship has earned the trust of thousands of satisfied homeowners.

What else would you expect from an award-winning builder like Ballantry Homes, where the goal is to make the new-home buying experience the very best it can be, to not just build homes, but to build dreams?

Dreams dont have to end when you wake up in the morning. The best ones can be made real, if you put your mind to it. At Ballantry Homes, we build dreams. With more than two decades of experience, weve designed and con-structed thousands of homes, working closely with our family of buyers and our team of forward-thinking architects and interior designers.

For more information and to begin the process of owning your dream home today, visit ballantryhomes.com or call 905.457.3698.

From the gracious foyers to the pampering privacy of the bedrooms upstairs, these homes are fashioned to fit your lifestyle, from everyday living to entertaining on special occasions

january 5 - 19, 2013 | new home guide gta 33

i n d u s t r y o u t l o o k

New home real estate coNtiNually proves to be a wise long-term investment for both your lifestyle and personal finances. I say it often, and I will continue to stress the fact that a good new home buyer is an educated one especially when it comes to those finances. When you shop for a new home or condominium, find out as much as you can up front, check out what resources are at your disposal, and be realistic when it comes to deciding what you can afford.

Of course, you want a home and mortgage that you can carry com-fortably. Location and price are typically the two most important aspects of buying a new home that people consider, and remember to compare apples to apples. The same size home in an established area may sell for more than in an up-and-coming area where you will have to wait for amenities and infrastructure to be completed.

And keep in mind that the purchase price is only the beginning. There will be closing costs, and your builder representative should be happy to provide you with the details of those. Once you research these costs, you may find the homes you are looking at are not within your financial reach. The good news is that todays home designs are so well laid out that even more compact sizes are very livable. Keep an open mind about size and shop for value. The main thing is to join the ranks of homeowners in Canada and start building equity for your future. Once youre in the market, its easier to move up.

One of the great benefits for Canadians is the Federal Home Buyers Plan, which allows first-time home buyers to withdraw up to $25,000 from their RRSP for the purpose of buying or building a qualifying home. In addition, many builders have financial programs in place that can help, such as capped mortgage rates.

Buying early in the new home marketing process can work in your

favour, too. When you purchase a new home from plans, you will have to wait to move in for at least months, possibly years. Think of your waiting period as an op-portunity to save more money for your purchase and plan for your new digs. If its your first home, saving extra funds means a lot.

Seasoned home buyers will tell you that the best closing day is one with no surprises. Take your Agreement of Pur-chase and Sale to a lawyer who knows real estate and make sure you know exactly what costs you are expected to cover and when. Closing costs can range up to 2.5 per cent of your purchase price. Among these charges are the Tarion War-ranty Corporation enrolment fee, provin-cial Land Transfer Tax (plus the Toronto Land Transfer Tax if you buy a home within that city), legal fees (plus G.S.T. on those), out-of-pocket expenses your lawyer may incur on your behalf, and mortgage expenses and adjustments such as realty taxes and utility charges.

My advice is to visit Canada Mortgage and Housing Corporations website (cmhc-schl.gc.ca/en/co/buho/index.cfm) and download the guide called Homebuying Step by Step. This publication covers the following topics: Is Homeownership Right for You?; Are You Financially Ready?; Which Home is Right for You?; The Buying Process; and Now that Youre a Homeowner. Youll also find a glossary of terms and some worksheets for you to use during your search.

Buying a new home or condo is most likely the biggest financial investment of your lifetime. Get your finances in order and make the decision wisely.

HugH Heron is Principal and Partner in the Heron Group of Companies and President of

Heathwood Homes, as well as a former Member of the Board of Directors of Canada Mortgage

and Housing Corp., and a Past President of the Toronto Home Builders Association and the

Ontario Home Builders Association.

by HugH Heron

Look at the bottom lineBEFORE YOU SIGN ON THE DOTTED LINE!

34 new Home guide gTA | jAnuAry 5 - 19, 2013

Prices and specifi cations are subject to change without notice. E. & O.E. Rendering is artists concept.

SPECTACULAR DETACHED HOMES IN AN INCREDIBLE CONSERVATION

AND RAVINE SETTING

416-924-0110Sales Offi ce Hours:Mon. - Thurs. 1 -8 pm, Fri. by appointment, Weekends and Holidays 11 am - 6 pm

victoriahighlands.comMOUNT ALBERT

victoria

The Best Value north of the GTA!

Where else can you get so big a home with two and three car garages for so small a price? At Victoria Highlands, choose from an amazing

selection of Bungalows and Two Storey Homes on 33, 40, 50 and 65 Lots. All set amidst the beautiful countryside of Mount Albert,

just 10 minutes from Stouffville and all priced to sell!

$400sHomes from the Mid

$700,000to overup to 4,200 sq.ft.

SPECTACULAR DETACHED HOMES SPECTACULAR DETACHED HOMES

PREVIEWOPENING

BEAV-VIC-A-AD-NHC-DEC11-1.indd 1 12-12-12 1:41 PM

35

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

Construction now underway on DEERHURST GOLF COTTAGES

At Skyline International Devel-opments fabulous Deerhurst Resort, a groundbreaking mile-stone has occurred, with construction on Deerhurst Golf Cottages now underway. The official ceremony that marked this important step was a time of excitement for everyone in-volved, especially the owners of the cottages being built. Crews have been preparing several of the homesites for construction, and the roads in the community are being paved. Its all systems go, and everyone involved is thrilled.

For golf-lovers, the opportunity to

live right on one of Canadas finest courses is a dream-come-true, says Skylines CEO, Michael Sneyd. Con-struction on their neighbourhood is well underway, and we are happy to be bringing their dream to life.

Skyline is doing amazing work at Deerhurst Resort, says Huntsville Mayor Claude Doughty. These Golf Cottages and homesites offer a unique residential opportunity that adds to the year-round appeal of these incred-ible surroundings.

With more than 50 per cent sold in this limited release of just 39 home-sites and Golf Cottages, response has been phenomenal to this exclusive collection of whole-ownership resi-dences situated on the gorgeous High-lands Golf Course. Purchasers ap-preciate the opportunity to revel in year-round vacation-style living, with a world of entertainment and recre-ation at their doorstep. For prices beginning from only $179,900, you can own a Golf Cottage homesite, or from just $399,900, you can own an elegant cottage.

Buyers love the fact that they have the option of placing their home into a professionally managed rental program for all or part of the year, Sneyd adds.

In addition to having access to Deer-hursts Concierge services, owners can recoup some of their costs through this no-muss, no-fuss program.

Only 18 homesites and cottages remain in this superb community, as well as a spectacular model cottage to tour. Appointed by the Design Agency, the model showcases the casual ele-gance of these inviting residences. From its wide-plank engineered hard-wood flooring to its contemporary/traditional style mix, the model offers hints of The Hamptons.

To help purchasers personalize their surroundings, Skyline enlisted the Design Agency to create furniture package options. Plus, each Golf Cottage will feature an exterior gas line and barbecue; nine-ft. main-floor ceiling heights and much higher in the Great Rooms (as per plan); quality kitchen appliances; imported ceramics; smooth ceilings in the kitchen, laundry

Huntsville

location

705.789.6424owndeerhurst.com

contact

Golf Cottages and homesites

housing type


sKyline inteRnational deVelopment Deerhurst Golf Cottages

and bathrooms; oak handrails and spindles; and a direct-vent natural gas fireplace. The cottages also offer beautiful views of the Highlands Golf Course, one of the two courses at Deerhurst Resort. Golf Cottage owners can walk or take the shuttle-bus to the lake and a wealth of amazing resort amenities.

Golf Cottage purchasers receive a free golf cart, a 40-per-cent dis-count at Deerhurst Resort from the time of purchase until closing, plus a membership buy-in in the SkyLife Club. Valued at $25,000, this mem-bership offers unprecedented access to the amenities at Skylines north-ern and urban properties.

Choose from six beautiful detached freehold Golf Cottages with two-, three-, four- and five-bedroom layouts. Gorgeous exteriors feature Muskoka-style architectural high-lights such as large porches and accent windows. For more informa-tion, visit owndeerhurst.com or call 705.789.6424.

Skyline Destination Communities recently broke ground on construction of Deerhurst Golf Cottages, an exclusive collection of whole-ownership residences on the gorgeous Highlands Golf Course at Deerhurst Resort.

Right to leFt Huntsville Councillor Fran Coleman, Huntsville Mayor Claude Doughty, Skyline International Developments CEO Michael Sneyd, Skylines Vice-President Operations Dan Piggott, Skylines Vice-President Sales and Marketing john Giffen, and Infinity Fine Homes President Paul Barber.

Photo: Nicola Betts

january 5 - 19, 2013 | new home guide gta 37

h o t d a t e s

Jan. 5 to 19

jan. 5 - 6

Canada's Bridal Show Metro toronto Convention Centre Soon-to-be-weds and their support-ers flock to Canadas largest bridal trade show, spanning 18,000 sq. ft. and featuring more than 350 ex-hibitors. Rows of booths offer info on wedding venues, photography, event planning, gowns and tuxes, invitations, Dj and limo services, florists and more, as well as promo-tions for honeymoons and destina-tion weddings.

canadasbridalshow.com

jan. 5 - 13

Canada's Top Ten Films of 2012 tiff bell lightbox The films are chosen by a panel of filmmakers, programmers and critics from across Canada. The chosen films will screen at the Lightbox with panel discussions, plus introductions and Q&a sessions with filmmakers. actress and director Sarah Polley will be featured in a Mavericks Q&a to discuss her career, including her film Stories We Tell.

tiff.net/topten

Calendar of events beginning from

Jan. 5 to 19, 2013

jan. 18 - 20

Total Wedding Show international Centre The Total Wedding Show features more than 100 exhibitors who are experts in the bridal industry, the latest in bridal gowns, catering, pho-tography, flowers and more. The fashion show features the latest in trends for gowns, tuxedos, hair, make-up and accessories. Shop at over 350 retailers for everything from fitness to invitations, and check out one of the biggest gown sales, there are also tons of prizes to be won, in-cluding a diamond ring.

totalweddingshow.com

jan. 19 - 20

Maple Leaf Monster Jam Tour rogers CentreThe Maple Leaf Monster jam Tour comes to Rogers Centre for two shows, starring 12-ft., 10,000-pound monster trucks that race and smash through a custom-designed track full of ob-stacles. Designed for the whole family, this show tours throughout Canada and the United States, even hitting Europe and Mexico.

monsterjamcanada.ca


Showcasing new homes in the GTAs east region

IN THIS SECTION

>> Maps and listings for new-home communities in the east region>> Builder news and the latest in new homes in the east region

January 5 - 19, 2013

1

2 3

4 5

6 7

8 9

10

11

12

13

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19

City

ofPick

ering

Townof

Ajax

Townof

Whitby

Village

ofBroo

klin

City

ofOs

hawa

401

401

401

4 Sideline R

9 C

on

cess

ion

12 Sideline

8 C

on

cess

ion

6 Sideline

4 Sideline

Lake Ridge R

Bra

wle

y R

d

Myr

tle

Rd

W Cochrane

Co

lum

bu

s R

d

Ashburn Rd

Halls Rd N

Country Lane

7 C

on

cess

ion

4 Sideline R

6 C

on

cess

ion

20 Sideline

16 Sideline

Central St Brock Rd

16 Sideline

Paddock Rd

7

Brock Rd

28 Sideline

30 Sideline

9 C

on

cess

ion

24 Sideline

North Rd

7 C

on

nce

ssio

n

32 Sideline Wh

itev

ale

Rd

32 Sideline

North Rd

5 C

on

cess

ion

16 Sideline

Brock Rd

Greenwood Rd

Church St N

Fift

h C

on

ces

Lakeridge Rd

Salem Rd

Audley Rd

Westney Rd N

Coronation R

Country Lane

Salem Rd Tau

nto

n R

d E

Rosebank Rd

Altona Rd

Whites Rd

4 C

on

cess

ion

4 C

on

cess

ion

Altona Rd

3 C

on

cess

ion

Fairport Rd

Dixie Rd

Liverpool Rd

Major O

aks R

Valley Farm

Brock RdRo

ssla

nd

Rd

Riverside Dr Notion Rd

Brock Rd

Squires Beach Rd

Sandy Beach

Mo

ntg

om

ery

F

Hig

hvi

ew R

d

Appleview Rd

Stro

ud

'sG

len

ann

a R

d

Liverpool Rd

Bayly

Gra

nit

e C

ou

rt

Whites Rd

Roug

emou

nt D

Lake D

rivewa

Harwood Ave

Wes

tney

Rd

S

Finley Ave

Del

aney

Dr

Mag

ill D

r

Kin

gst

on

Rd

Ravenscroft

Bay

ly S

t ETownline Rd

Du

nd

as S

t E

Audley Rd

Ajax-Whitby

Tau

nto

n R

d W

McQuay BvR

oss

lan

d R

d

Garden St

Baldwin St S

Thornton Rd

Thickson Rd

Co

nlin

Rd

Stevenson Rd

Tau

nto

n R

d W

Co

nlin

Rd

Ritson Rd N

Townline Rd.

Mary St N

Bea

tric

e St

Central Park

Grandeview S

Ad

elai

de

Ave

Kin

g S

t E

Harmony Rd S

Grandeview

S

Wen

two

rth

St

Park Rd S

Ad

elai

de

Ave

Bo

nd

St

W Centre St.

Oliv

eA

ve

Blo

or

St.

Garrard Rd

Kin

g S

t W

Ro

ssla

nd

Rd

Kendalwood R

Gib

b S

t

Man

nin

g R

d

Anderson St

Garden St

Hopkins St

Phill

ip M

urr

Stevenson Rd

Park Rd S

Blo

or

St

Simcoe

St S

Wilson Rd S

Brock St S

Wen

two

rth

St

Blair St

Thornton Rd

Henry StBrock St N

Blair StCedarbrook T

Baldwin St NDuffs Rd

12

Garrard Rd

Harmony Rd N

Wilson Rd N

Stevenson Rd

Garrard Rd

Grandeview S

8 C

on

cess

ion

Ro

ssla

nd

/Win

ches

ter

R

Ch

urc

h S

t E

7

Fin

chA

ve

Gordon St

Shoal Point Rd

Pickering Beach Rd

Church St S

Kin

gsto

n Rd

Shep

par

dA

ve

Ritson Rd S

Dry

den

Bv

Simcoe

St N

Cochrane St

13

54

21 67

55

2268 3

114448

4615

65

50

5890

51

41

42

45

4

5

4749

4366

24

3028

92

381

14

52

1623

507

35

53

3736

8

2934 40 46

26

31

18

1710

33

Spruce Hill

5556

91

60

57

68

A B C D E F G H I J K

* D

ue t

o sc

ale

rest

rictio

ns

loca

tors

are

app

roxi

mat

e.

Plea

se s

ee b

uild

ers

ads

for

exac

t lo

catio

ns.

Att

enti

on

Bu

ilder

s -

Wan

t to

ad

d y

ou

r

com

mu

nit

y to

ou

r m

aps?

N

eed

to

up

dat

e ex

isti

ng

in

form

atio

n?

Plea

se f

ax t

he

det

ails

to

(41

6) 7

89-9

554

east

reg

ion:

P

icke

ring

, Aj

ax,

Whi

tby,

Osh

awa

40

Site

#

Deta

ched

Sem

iTo

wnh

ome

Cond

o

Builder Site Tel Price Range Page No.

3 Great Gulf Homes Stonecrest greatgulf.com from $305,000 45 15F

58 mattamy Homes Seaton mattamyhomes.com from $225,000 BC 5I

66 monarcH corporation Tran Quility monarchgroup.net from $520,000 IBC 7G

1 BeaverHall Homes Parkside Walk 905-430-1227 from $285,000 11H

4 menkes Somerset 905-428-0500 from $470,000 7G

5 monarcH corporation Lexington County 416-495--3542 from $490,000 8i

11 conservatory Group Carruthers Creek Village 905-426-8081 from $247,000 7J

13 liza communities Folkstone 1-877-365-9555 from $335,000 10G

21 Great Gulf Homes Grandview Oshawa 1-888-579-7235 from $287,000 14f

24 triBute communities Imagination 905-683-1228 from $286,000 8G

25 melody Homes Brooklin Winchester 1-888-679-5744 from $260,000 11e

31 preston Homes Prestonvale Heights 905-432-2800 from $350,000 15J

33 triBute communities The Neighbourhoods of Windfields Farm 905-436-7444 from $356,000 13f

34 triBute communities The Neighbourhoods of Park Ridge 905-723-2344 from $333,000 15G

35 triBute communities The Village of Brooklin West 905-655-9979 from $380,000 11e

35 triBute communities The Village of Brooklin Townhomes 905-655-9979 from $340,000 11e

36 liza communities Heritage Village 1-888-655-6188 from $325,000 11G

45 sundial Homes limited Mulberry Meadows 905-427-8255 from $190,000 6J

49 senator Homes Harbourside 905-430-5957 from $270,000 9J

54 Baycliffe Homes The Gates of Whitby 905-668-9828 from $250,000 9G

55 Jeffery Homes Kedron Park Ravines 905-433-2173 from $580,000 14G

56 delpark Homes The Woods of Nichol Trail 905-665-9555 from $426,000 11i

57 Geranium Homes The Courts of South Rouge geraniumhomes.com from $700,000 2k

60 Greycrest Homes the fields of conlin 905-725-4539 from $310,000 15G

65 Brookfield Homes Rosebank By The Lake pickeringrosebank.ca from $550,000 2k

67 midHaven Homes Breeze 1-877-773-6888 from $257,000 15f

68 storyBook Homes Brookstone Estates 905-438-9516 from $1050,000 11B

90 leBovic Homes Old Taunton in Pickering 905-428-3434 5H

91 sundance Homes The towns of nichol green phase 1 sundancehomes.ca from $260,000 11J

Map

Finde

r

east

reg

ion:

p

icke

ring

, aj

ax,

Whi

tby,

osh

awa

41

1

2 3

4 5

6 7

8 9

10

11

12

13

14

15

16

17

18

19

A B C D E F G H I J K

* D

ue t

o sc

ale

rest

rict

ions

loc

ator

s ar

e ap

prox

imat

e. P

leas

e se

e bu

ilder

s a

ds f

or e

xact

loc

atio

ns.

Atte

ntio

n Bu

ilder

s -

Wan

t to

add

you

r co

mm

unit

y to

our

map

s? N

eed

to

upda

te e

xist

ing

info

rmat

ion?

Ple

ase

fax

the

deta

ils t

o (4

16)

789-

9554

Go

od

wo

od

Rd

Mill

St

Bro

ck S

tR

eg R

d 8

Reac

h St

Durham Reg

Elgin Park

Brock Rd

Main St

Centre

Quaker Village Dr

Durham 23

Uxbr

idge Hwy

47

Toro

nto S

t

15

10

30

19

4

Park

hill

Rd

.

Lan

sdo

wn

e A

ve.

Hwy 134

Pete

rbor

ough

Wat

er S

t.

Monaghan Rd.

Chemong Rd.

28

1624

2

938

31

35

115

134

28

28

7

7

7

7 7A

7B

Reg

. Rd

. 74

106

Hw

y 2

Hwy.

45

Hwy 2

Hw

y 40

1

Reg. Rd. 18

Hwy 28

Port

Hope

Cobo

urg

LA

KE

ON

TA

RI O

Mac

Do

nal

dC

arti

er F

reew

ay

5

129

Mar

sh R

d.

Joca

lyn

St.To B

elle

ville

ToTo

ron

to Lake

On

tari

o

Toront

o Rd.

Rid

ou

t St

.

Wal

ton

St.

Ontario

St.

Port

Hop

e

401

20

Hw

y #7 K

ing

St.

Union

Ave

.

Maj

or

St.

Lorn

e St

.

Simcoe St. (From Oshawa)

Hwy #12 (From Whitby)

Port

Per

ry

Co

nce

ssio

n R

d 3

Bas

elin

e R

d. E

Bas

elin

e R

d. W

Hw

y 40

1H

wy

401

Co

nce

ssio

n S

t

LAK

E

O

NTA

RIO

Bowm

anvil

le/

Newc

astle

Kin

g S

t. H

wy

2

Kin

g St

. Hw

y 2

Harmony Rd

Waverly Rd

Liberty St. N

Mearns

Lambs Rd

Mill St.

Hains

St

Liberty

St. S

21

1737

3226

39

14

8

45

48

7

35

Ken

t St

Co

lbo

rne

St

Lindsay St. North

Angelina St North

St. Joseph's Rd

Lind

say

6

Nas

h R

dN

ash

Rd

Blo

or

St.

Blo

or

St.

Darlington BlvdVarcoe Rd

West Townline Rd. N.

Prestonvale

Rd

Trulls Rd

Reg. Rd 34 Courtice Rd

Hancock Rd

Hw

y 2

Hw

y 2

Oke

Rd

Cour

tice

36

34

33

35

115

7

7

7A

12

McG

ill D

r

Regional Rd 57

McLaughlin Rd

Lake

Scug

og

Janetville Rd

Lake

Scu

go

g

18

east

reg

ion:

U

xbri

dge,

Lin

dsay

, Bo

wm

anvi

lle/N

ewca

stle

, Co

urti

ce,

Pete

rbor

ough

, Po

rt H

ope,

Cob

ourg

, Po

rt P

erry

42

Site

#

Deta

ched

Semi

Town

home

Cond

o

Builder Site Tel. Price RangePage No.

Map

Finde

r

1 MaSoN HoMeS Port Hope Golf & Country Club 905--885-6565 from $210,000 12K

2 PaRKview HoMeS Woodland Acres 705-748--2828 from $220,000 3G

5 MaSoN HoMeS Cobourg 905-885-6565 from $200,000 19i

6 MaSoN HoMeS Cloverlea Lindsay 705-324-1653 from $200,000 7a

8 KaiTliN GRouP lTD. Port of Newcastle 1-800-305-6849 from $260,000 14e

8 KyleMoRe CoMMuNiTieS Port of Newcastle 905-987-5146 from $351,000 14e

8 SToRyBooK HoMeS Bond Head Estates 905-438-9516 from $850,000 14e

9 PaRKview HoMeS Harmony 705-748-4663 from $150,000 2i

9 PaRKview HoMeS Lyons Gate II 705-748-4663 from $303,000 2i

9 PaRKview HoMeS Mapleridge Townhomes 705-741-1004 from $228,000 2i

9 PaRKview HoMeS Timberwoods 705-748-4665 from $228,000 2i

9 PaRKview HoMeS Valleymore 705-748-4663 from $199,000 2i

10 DeeR PaRK Deer Park Estates 416-223-3777 from $600,000 2e

14 RiCe DeveloPMeNTS Willmot Creek On The Lake 905-697-5806 from $225,000 11D

16 PaRKview HoMeS Foxmeadow Estates 705-748-2828 from $208,000 3H

18 B.G. SCHiCKeDaNz Lake Scugog Meadows 1-877-878-9899 from $298,000 17B

20 GeRaNiuM HoMeS Verandas 905-885-0555 from $255,000 10i

24 PaRKview HoMeS Thompson Bay Estates 705-748-2828 from $217,000 3H

26 KaiTliN GRouP lTD. Aspen Heights 905-697-0513 from $165,000 10C

26 KaiTliN GRouP lTD. Condominiums at Clarington Centre 905-697-4513 from $210,000 10C

26 KaiTliN GRouP lTD. Country Classics 1-866-514-3573 from $300,000 10C

28 B.G. SCHiCKeDaNz Chateau Villas at Baxter Creek Estates 905-695-1953 from $185,000 3K

29 vaNDyK GRouP oF CoMPaNieS West Park Village in Cobourg 905-373-4149 from $214,000 18J

30 eMPiRe CoMMuNiTieS Estates of Wyndance 905-649-8197 from $900,000 3e

31 PaRKview HoMeS The Meadows 705-741-1004 from $288,000 3i

34 CaRRiNGToN HoMeS Woodlands of Upper Courtice 905-434-7797 from $260,000 9i

35 MaSoN HoMeS Avonlea 1-866-443-7900 from $190,000 3H

36 SeNaToR HoMeS Courtice Village 905-723-5989 from $239,000 7K

38 MeloDy HoMeS Fairview Heights 1-800-932-5332 from $172,000 2i

39 H&R DeveloPMeNTS Gracefields hr-newhomes.com from $285,000 14B

39 THoRNRiDGe HoMeS Gracefields thornridgehomes.com from $285,000 14B

45 HiGHCaSTle HoMeS Northglen northglen.ca from $221,000 11B

45 DelPaRK HoMeS Northglen 905-419-7222 from $221,000 11B

45 eSquiRe HoMeS Northglen northglen.ca from $219,000 11B

48 BRooKFielD HoMeS BrookHill Brook-Hill.ca from $200,000 10B

48 JeFFeRy HoMeS BrookHill 905-697-0765 from $200,000 10B

92 GleN RouGe HoMeS The Cornerstone 905-239-9777 from $588,000 6i eas

t re

gion

: u

xbri

dge,

lin

dsay

, Bo

wm

anvi

lle/N

ewca

stle

, Co

urti

ce,

Pete

rbor

ough

, Po

rt H

ope,

Cob

ourg

, Po

rt P

erry

43

After the big glittery bAll hAs dropped And resolutions are made, the difficult part begins. To achieve success, observers suggest we break down our resolutions into smaller, more feasible goals. Think short-term.

For example, it is well-known that every year, one of the most popular resolutions is to become more organized. This can some-times feel overwhelming, so here are some simple solutions from The Home Depot Canada to clear and conquer the clutter in your home:

organize your front foyerThis space sets the tone for first impressions. Think about stashing useful items such as gloves, hats, scarves and pet supplies in dec-orative fabric bins. These are easy to label, and make it easy to find items with just a glance. If you do not have a closet in your entry way, invest in a simple shelved console table where you can store your organized items for easy access. A multi-purpose shelf with mounted hooks for sweaters, jackets and coats is essential to keeping your no closet foyer pristine.

de-clutter your kitchen pantryA functional pantry is the key to a functional kitchen. Creating a working pantry can be a big challenge depending on your cooking routine and habits. Take measurements of your space and purchase wire baskets or locking plastic containers to categorize your various ingredients according to your needs. Hang bins inside of the pantry door for popular foods. Not only will this be a time saver, but will also optimize your pantry space.

Conquer your bedroom closetBedroom closets often fall victim to being a dumping ground for items without a home. As you de-clutter, sort items into the fol-lowing categories: keep, donate, recycle and trash. For the items you do keep, the closet configurator is not only a simple solution, but also an affordable one. With so many options available for a variety of sized spaces, adjustable shelving systems will accom-modate your changing needs.

By follo

gta new home guide - january 5, 2013

Documents

steeles ave

pm aspen ridge homes

revolutionary new community

existing home

hwy 407zenway15th sideroadhwy

modern towns

sales representative

king roadkeele streethwy